Tag Archives: leaving work world

Life As We Know It Is Over

What makes me strong?  What keeps me from breaking under the load we all call life?

I have been asking that question for a dozen years.  My husband has been hospitalized more than 30 times since 2001.  He had bladder cancer.  He just kept growing tumors and finally they had to take his bladder out and put in a conduit to the ostomy that we now call Fred.

Then he had infections – and more infections and yet again, infections.  Over the last 10 years we have spent our vacations in the most expensive resort in the country – the hospital.  A jail cell really but it’s mostly white with nice subdued drapes and wardens dressed as nurses in navy  blue.

Recently, my husband did hand to hand combat with  melanoma which made a difference in how we spend our time, our money, our personal currency.

Now, he is being laid off.  He will be 60 when the axe finally falls.  He will be too old to employ – too young for social security or medicare.  And he will still be sick, still be in the hospital 2 or 3 times a year and still be the man I love with all my heart.

I am a master’s prepared, professional who is applying for jobs as a receptionist, an administrative assistant., a dog walker, anything to get a job that will help bridge the gap between his layoff and his 65th birthday.

But I can’t get a job.  We can’t sell our house.  And we cannot stop the layoff that is rolling toward us at the speed of light.

How did this happen?  When did we become part of the fringe that cannot sustain itself in this country  – the land of the brave, the land of the free?

Welcome to America – 2012.  Welcome to our country where people work and do a good job and pay their taxes and still get screwed.  This is the land where the rich once again get richer and the rest of us pay for their privilege.

We”ll keep fighting.  We will stay together.  We will find a way, smaller, narrower but still together.  But is this what is supposed to happen to people who have lived a good life?  Worked hard?  Helped out our families?

Who knows? All I know is that this is our lot.  And this we will face together — until death do us part.

Leave a comment

Filed under Budgeting, Life & Death, Love and Marriage, Politics, Saving Money

Life Is A Choice – What WIll You Choose

This morning I feel the weight of all my choices rushing in to sit on my shoulders. It is a gray wet morning, leaves scuttling across the yard and my life suddenly reflected  in the balance of good and bad choices made in my career and what they cost me.

What I Chose
Work.  Sounds so simple, so easy, but that choice cost me years and years of my life.

I was a “good” employee.  Work on the weekend?  Sure.  Fly to Florida and work there for 5 weeks without a day off?  Sure.  Spend a week out in Yosemite National Park every month for a year?  Why not?  Live in Los Alamos for 2 months while installing a new system?  Will do.

For almost 10 years of my life I literally penciled in visits to my husband, our daughter, my sisters and brothers.  I was never home on holidays.  They were ideal opportunities to install hardware and software in the many locations across the country where I managed up to 100 people on the team at Marine Midland, Newark Airport, Kennedy Space Center and on and on and on.

I was an executive with an expense account, a secretary and all the gold cards you could possibly want.  First class travel, five star hotels, I had it all.  But one day, something changed.

I started thinking about what all the gold in my wallet and my bank account were costing me.  I stood still long enough to do the calculations.  Working 7 days a week,  averaging between 90 and 120 hours –  reduced my six figure salary to an hourly rate of about $10.00 an hour – what the UPS driver was making except he went home every night and had weekends off.

Then I made the mistake of thinking about what my choices cost me.

What I Lost

My Mom
My mother lived west of Roanoke on 163 acres owned by my brother Mike.  If I saw her 5 times in 10 years, it was a miracle.  Usually, I used my frequent flyer miles to fly her here, to our home, for the one weekend out of 52 that I might be in town.

My mom died of a cerebral hemorrhage while I was in Chicago for yet another meeting.  There was so much I forgot to ask her.  So much she could have shared with me.  But I never stopped long enough to ask.  Now I can’t.

My Life
I was married, had a beautiful home on 2.5 acres in horse country in Pennsylvania.  A gourmet kitchen I didn’t use, a suite off the master bedroom complete with jacuzzi that gathered dust between the maid’s visits and years of sunny summer afternoons on the deck that I never saw.  When someone asked me what my house was like, my answer was swift and sharp, “How would I know?  I don’t live there; I just pay for it.”

I clearly remember the night that I knew I was making the wrong choices.

It was Sunday night on Labor Day weekend. Our daughter was in labor at Bryn Mawr Hospital.  She was ill but it was a holiday.  The Pathology Lab was closed and the doctors didn’t know what was making her sick.  Only after our second grandchild was born with strep did they figure it out.  Whisked from the delivery room to the NICU, the baby’s prospects were poor.

But I had a flight to catch.  I was needed back in Florida.  Heading for the airport, fidgeting in the back of the limousine, I could not get a handle on what was wrong with me.  I needed to go; I didn’t want to.  Suddenly my work ethic and my instincts were facing off and it felt like all the easy answers were off the table until I asked myself two questions:

  1. If I got on the plane and the baby died, how would our daughter be able to face his death?  How would I feel about my actions?  About myself?
  2. If I didn’t get on the plane, if I went back to the hospital to hold our daughter’s hand and be held by my husband, would the meeting be cancelled?  Would the business I worked for fail?

When boarding for First Class was called, I actually walked onto the plane, put my laptop in the overhead, sat down and ordered a drink before I knew I just could not do it.  I could not go.  Leaping up, grabbing my laptop, I raced back up the ramp and into the airport.  Dialing my cell phone, I called my limo back to the airport and ran to the arrival area to meet my driver.

That was the turning point, the moment when I knew that somehow I had sold out all my old values for money and merchandise.  Did I quit the next morning?  No.  It took 2 more years and the death of my boss’s husband to make me wake up.  He died alone, in his garage, in his car, with the motor running.  All I could think was it could have been me who got the phone call, my husband who died.

I woke up.  I realized I was committing suicide – long, slow, deliberate – but suicide nonetheless.

I made a different choice.  I traded in the gold and came home.  My salary went from 6 figures to $28,000 a year.  I came home very night, to spend weekends and holidays with my family and to enjoy time, the only thing we cannot buy.

What choices are you making?  And what do they really cost?

10 Comments

Filed under Budgeting, Home Ec on Acid, Life & Death, Love and Marriage

Balance Your Books, or Else. Part III

Scrooge is alive and well and should be living in your house…if you are spending more than you earn.  By now, because you’ve done the hard work of laying out income and outflow…you know if Scrooge is a guest at your table.

You’re almost ready for the big finale but first, a word of warning. What you’re going to do now is a whole lot easier than laying out expenses but the first time you see the numbers in black and white (and maybe a little red), you might experience some pain so be prepared.

In the first scenario, one significant other loses her income but the other keeps his.  These numbers look pretty good and more than cover the costs so this couple can go ahead and spend everything they are used to spending right?  Well, no, not unless they want to hit a financial brick wall really hard.

Hers His Total Post Tax
$20,000 $57,000 $77,000

 

What do you mean?  Their income is exceeding their expenses, why can’t they keep on living a little high?  I will answer that question with another.  What happens when both partners are on social security?

Income will drop to about $40,000 per year, assuming both make it to their “retirement” years.  And expenses will still be $51,000.  This one’s easy.  This couple will instantly be $11,750 short and the road to financial ruin is pretty much downhill from there.

So, what do you do when you find your income is very close to your expenses or maybe even less than your expenses?  Some hacking!  And you do it as early as possible so you can build a little pad behind your income that can carry you through short years.

Cut entertainment and get $5500 or half the required amount back.  Draconian?  Yes but necessary to balance the budget.

Start getting serious about your food shopping.  If you work it right, you could shave $50 a week off your food bill without trying too hard (more on that later).  That’s another $2600 cut off your expenses.

You could probably save another $2600 just by planning trips to the store and ride sharing  to cut down the gasoline bill.

Look at your phone, internet and television bill and see what you can shave off of them.  Taking $20 a month off the phone and $30 off the cable bill quickly adds up to another $600 saved.  Just with these three tips, you will save $11,300, immediately – just $400 dollars away from the nut you need to stay solvent.

Get rid of any credit card debt and pay down those items that make up the “fixed costs” like car loans and your mortgage as quickly as you can.  That may mean taking a second job but now is the time to make sacrifices and balance your own budget.  Waiting until you “get retired” will move you from balancing on the edge to spinning down the mountain, out of control – not where you want to be when your golden years are thrust upon you by being laid off, severed or “retired early.”

Leave a comment

Filed under Budgeting, Home Ec on Acid, Saving Money

Facing The End

Funny but I never thought I would be retired. Note the use of the word “be.” I am being retired from my current position effective 12/31/2009. It is a mutually agreed upon retirement but it is odd to be in this position.

I am currently presiding over my own professional death. And I have mixed feelings about it ranging from downright giddiness to stark terror. Writing has always helped me with uncomfortable situations before. I am hoping it will help me again.

Retiring will open up more time for writing. And I will actually be able to have a life instead of make a living….but will I be who I think I am when I am not driving into an office 54 miles away from my home? What will happen to all the skills I developed over all the years I worked? TBD, I guess.

Just 18 more working days.
More to come…

5 Comments

Filed under Copywriting, Freelance Writing