Okay, so in February I had all of my W-2s and such and went to H&R Block and sat quietly while the guy punched in all the numbers.
When I quit my job, last July, and went back to college full-time, I also cashed out my retirement and Mike and I bought property.
This property is 'the rest of our life' spot.
The feds took out a hefty portion for taxes, but not the state, so we kept a little savings in anticipation.
What we didn't anticipate was that the feds didn't take out enough taxes, so our tax bill at the end of the number crunching turned out to be $28,000.
I was shocked.
I took my stuff home and told Mike on that Friday. Then I said "We won't talk about this today or tomorrow." We simply couldn't. It was way too disconcerting. How on earth would we come up with that sum?
We talked about it a little on that Sunday, but it was still too soon to wrap our heads around it.
Finally, we had to do something. April 15th wasn't getting any further away. I applied for a new credit card and added it to the two we already had. We paid the state with what we'd been saving, and put the rest on three credit cards.
Yes, we realize that the IRS offers payment plans, however . . .
In addition to the fees, penalties, and nonsense of it all, we'd be indebted to the IRS. If we miss a payment there, they can GET US. They could not only get us, but could also get our stuff, including our 'the rest of our life' spot.
So, we opted for the credit card thing. I know that if we miss a payment (which we hope NOT to do) the % rate jumps considerably and we begin to pay more and more, however, they can't GET US, which is our primary concern.
So now, I'm sitting in anticipation of three huge credit card bills and I don't think my income from tending bar is really going to cut it. Ugh.
I am confident, however, that if we're diligent, we can see this thing through without losing our shirts. (I have proven that one can survive on next to nothing and still have money for beer.) It just means buying the super mystery, mystery meat - and the 'guess what this is made of hotdogs.' I have always been a fan of mac & cheese, so that's a plus. However, we'll have to go down the quality list to the Mac and 'almost cheese.'
Fortunately, I'm cutting down on cigarettes, (with a quitting goal) so I'm losing that added expense, and I have enough yarn to keep me occupied in my knitting hobby.
This Summer, Shepherd College isn't offering any classes that I need for my degree, so I could probably put some more hours into working at the bar, (and around the house) - and I'll save on gas, because I won't have to drive to school.
Pros of the extreme belt-cinching...
More time at home.
We still have our home.
A fabulous weight-loss program.
Added incentive to stop buying cigarettes.
Great stories for the niece and nephews. ("When I was your age . . .")
I can one-up a lot of the "you think you've got it bad" stories at the bar.
Your mission, my friends, is to come up with more 'on the up side' ideas.
I think this is going to be a GREAT year.
Friday, March 21, 2008
Thursday, March 20, 2008
Spring Break Day 6.
I didn't share with you all that I had a $28,000 dollar tax bill, did I?
I'll blog about that tomorrow. In the mean time, I just want to update you on my to do list, then get back to playing cards with my friends.
Okay, there's way too much stuff left on my list of 25. But I did get the living room painted today, and raked the yard and cut back the bush in the dog run...
I guess tomorrow I'll work on school stuff. I've resisted the urge to add more things to the list. But I've also resisted the urge to work on school stuff.
Groan.
Okay. Tomorrow. I PROMISE. I'll work on school stuff.
2. Paper - Triangulated Reflection
3. Paper - Learning Principles
5. 4-5 Page Report on Acts Chapters 1-15
6. Study 10 Characteristics of Apocalyptic Writing (Due that Wednesday)
7. 10 Page paper on blind obedience and willful disobedience (Outline due that Monday)
8. Read MacBeth (Due that Monday)
10. Finish reading and write about We Make the Road by Walking (Due that Wednesday)
17. Sweep, dust and air out the house
20. Collect 'favorite things' for birthday party the 29th.
I'll blog about that tomorrow. In the mean time, I just want to update you on my to do list, then get back to playing cards with my friends.
Okay, there's way too much stuff left on my list of 25. But I did get the living room painted today, and raked the yard and cut back the bush in the dog run...
I guess tomorrow I'll work on school stuff. I've resisted the urge to add more things to the list. But I've also resisted the urge to work on school stuff.
Groan.
Okay. Tomorrow. I PROMISE. I'll work on school stuff.
2. Paper - Triangulated Reflection
3. Paper - Learning Principles
5. 4-5 Page Report on Acts Chapters 1-15
6. Study 10 Characteristics of Apocalyptic Writing (Due that Wednesday)
7. 10 Page paper on blind obedience and willful disobedience (Outline due that Monday)
8. Read MacBeth (Due that Monday)
10. Finish reading and write about We Make the Road by Walking (Due that Wednesday)
17. Sweep, dust and air out the house
20. Collect 'favorite things' for birthday party the 29th.
Wednesday, March 19, 2008
Spring Break Day 5
I do have to share with you the story of my developmental notebook.
For the class Social and Psychological Conditions of Learning (5 credits), we have to create a developmental notebook.
In this notebook, we have a section for our notes, five papers biographing major developmental thinkers/theorists, four current articles on technology, exceptionality, assessment and multiculturalism, each with an executive summary, a developmental table covering the five thinkers/theorists, and a master reference list.
All the other students who'd taken this class groan and sympathized when they'd heard I was in the class and working on the notebook. "Wow. Good luck with that. It is a load of work." etc. So I borrowed a notebook from another student who had taken this class before to use as a guideline or model. A chatted up some other former students, "where did you lose points? what did you do for this? that? the other?" etc., and set to work.
When mine was done, I was SO proud.
Mine was so much fuller. Bigger is better, yes?
So I took it to school and bragged about it to people not in my class. "Look at this, see how much bigger it is?" Brag brag brag, boast boast boast.
Then I headed to that class. Waiting in the hallway were all my classmates and sweet baby gherkins! mine was one of the smallest notebooks! I was so dissappointed. Imagine going all your life thinking you had the biggest thingy and then you see someone else's.
Then I started hoping that size really didn't matter. But my balloon had been deflated.
A week passed and the grades came in. The notebooks were worth 60 possible points and the instructor told us "Count yourself lucky if you got anywhere near 60. There were a couple 59s and a few 58s, 57s and a handful of 50s, but there was only one 60. And some of you, well it's just unfortunate."
[inward groan from everyone]
The grades were passed out on 8.5 by 11 sheets of paper, folded in half and stapled closed. When I got mine, I peeked at the grade and put it away and continued to work on the current assignment. Other students were looking at their grades and other student's grades, and decyphering the notes and looking at their notebooks. Until finally J. looked up at me and narrowed her eyes suspiciously.
Guess who got the 60 ! ! !
Out of the original 25 things to do during Spring Break - (and since it's raining and I can't work in the yard) I'm off to work on numbers 1, 4 and 7. (With a trip to the library and Patterson's Pharmacy.
1. Observation Grid (Due that Monday)
2. Paper - Triangulated Reflection
3. Paper - Learning Principles
4. 8-10 Page Essay on a specific literary aspect of one or two books of the bible
5. 4-5 Page Report on Acts Chapters 1-15
6. Study 10 Characteristics of Apocalyptic Writing (Due that Wednesday)
7. 10 Page paper on blind obedience and willful disobedience (Outline due that Monday)
8. Read MacBeth (Due that Monday)
10. Finish reading and write about We Make the Road by Walking (Due that Wednesday)
13. Cut out weed growth / cut back big bush in back yard
14. Rake the back yard
17. Sweep, dust and air out the house
19. Paint the living room
20. Collect 'favorite things' for birthday party the 29th.
24. Clear the altar - set it for Spring
For the class Social and Psychological Conditions of Learning (5 credits), we have to create a developmental notebook.
In this notebook, we have a section for our notes, five papers biographing major developmental thinkers/theorists, four current articles on technology, exceptionality, assessment and multiculturalism, each with an executive summary, a developmental table covering the five thinkers/theorists, and a master reference list.
All the other students who'd taken this class groan and sympathized when they'd heard I was in the class and working on the notebook. "Wow. Good luck with that. It is a load of work." etc. So I borrowed a notebook from another student who had taken this class before to use as a guideline or model. A chatted up some other former students, "where did you lose points? what did you do for this? that? the other?" etc., and set to work.
When mine was done, I was SO proud.
Mine was so much fuller. Bigger is better, yes?
So I took it to school and bragged about it to people not in my class. "Look at this, see how much bigger it is?" Brag brag brag, boast boast boast.
Then I headed to that class. Waiting in the hallway were all my classmates and sweet baby gherkins! mine was one of the smallest notebooks! I was so dissappointed. Imagine going all your life thinking you had the biggest thingy and then you see someone else's.
Then I started hoping that size really didn't matter. But my balloon had been deflated.
A week passed and the grades came in. The notebooks were worth 60 possible points and the instructor told us "Count yourself lucky if you got anywhere near 60. There were a couple 59s and a few 58s, 57s and a handful of 50s, but there was only one 60. And some of you, well it's just unfortunate."
[inward groan from everyone]
The grades were passed out on 8.5 by 11 sheets of paper, folded in half and stapled closed. When I got mine, I peeked at the grade and put it away and continued to work on the current assignment. Other students were looking at their grades and other student's grades, and decyphering the notes and looking at their notebooks. Until finally J. looked up at me and narrowed her eyes suspiciously.
Guess who got the 60 ! ! !
Out of the original 25 things to do during Spring Break - (and since it's raining and I can't work in the yard) I'm off to work on numbers 1, 4 and 7. (With a trip to the library and Patterson's Pharmacy.
1. Observation Grid (Due that Monday)
2. Paper - Triangulated Reflection
3. Paper - Learning Principles
4. 8-10 Page Essay on a specific literary aspect of one or two books of the bible
5. 4-5 Page Report on Acts Chapters 1-15
6. Study 10 Characteristics of Apocalyptic Writing (Due that Wednesday)
7. 10 Page paper on blind obedience and willful disobedience (Outline due that Monday)
8. Read MacBeth (Due that Monday)
10. Finish reading and write about We Make the Road by Walking (Due that Wednesday)
13. Cut out weed growth / cut back big bush in back yard
14. Rake the back yard
17. Sweep, dust and air out the house
19. Paint the living room
20. Collect 'favorite things' for birthday party the 29th.
24. Clear the altar - set it for Spring
Monday, March 17, 2008
Spring Break Day Three
1. Observation Grid (Due that Monday)
2. Paper - Triangulated Reflection
3. Paper - Learning Principles
4. 8-10 Page Essay on a specific literary aspect of one or two books of the bible
5. 4-5 Page Report on Acts Chapters 1-15
6. Study 10 Characteristics of Apocalyptic Writing (Due that Wednesday)
7. 10 Page paper on blind obedience and willful disobedience (Outline due that Monday)
8. Read MacBeth (Due that Monday)
10. Finish reading and write about We Make the Road by Walking (Due that Wednesday)
13. Cut out weed growth / cut back big bush in back yard
14. Rake the back yard
17. Sweep, dust and air out the house
18. Put everything in its place (including take stuff to attic)
19. Paint the living room
20. Collect 'favorite things' for birthday party the 29th.
23. Find a pattern and start knitting socks
24. Clear the altar - set it for Spring
2. Paper - Triangulated Reflection
3. Paper - Learning Principles
4. 8-10 Page Essay on a specific literary aspect of one or two books of the bible
5. 4-5 Page Report on Acts Chapters 1-15
6. Study 10 Characteristics of Apocalyptic Writing (Due that Wednesday)
7. 10 Page paper on blind obedience and willful disobedience (Outline due that Monday)
8. Read MacBeth (Due that Monday)
10. Finish reading and write about We Make the Road by Walking (Due that Wednesday)
13. Cut out weed growth / cut back big bush in back yard
14. Rake the back yard
17. Sweep, dust and air out the house
18. Put everything in its place (including take stuff to attic)
19. Paint the living room
20. Collect 'favorite things' for birthday party the 29th.
23. Find a pattern and start knitting socks
24. Clear the altar - set it for Spring
Sunday, March 16, 2008
The list dwindles.
1. Observation Grid (Due that Monday)
2. Paper - Triangulated Reflection
3. Paper - Learning Principles
4. 8-10 Page Essay on a specific literary aspect of one or two books of the bible
5. 4-5 Page Report on Acts Chapters 1-15
6. Study 10 Characteristics of Apocalyptic Writing (Due that Wednesday)
7. 10 Page paper on blind obedience and willful disobedience (Outline due that Monday)
8. Read MacBeth (Due that Monday)
10. Finish reading and write about We Make the Road by Walking (Due that Wednesday)
12. Rake out that area and the front area, replace with new clean mulch
13. Cut out weed growth / cut back big bush in back yard
14. Rake the back yard
17. Sweep, dust and air out the house
18. Put everything in its place (including take stuff to attic)
19. Paint the living room
20. Collect 'favorite things' for birthday party the 29th.
22. Finish that sweater
23. Find a pattern and start knitting socks
24. Clear the altar - set it for Spring
25. Give a whole day to my husband
2. Paper - Triangulated Reflection
3. Paper - Learning Principles
4. 8-10 Page Essay on a specific literary aspect of one or two books of the bible
5. 4-5 Page Report on Acts Chapters 1-15
6. Study 10 Characteristics of Apocalyptic Writing (Due that Wednesday)
7. 10 Page paper on blind obedience and willful disobedience (Outline due that Monday)
8. Read MacBeth (Due that Monday)
10. Finish reading and write about We Make the Road by Walking (Due that Wednesday)
12. Rake out that area and the front area, replace with new clean mulch
13. Cut out weed growth / cut back big bush in back yard
14. Rake the back yard
17. Sweep, dust and air out the house
18. Put everything in its place (including take stuff to attic)
19. Paint the living room
20. Collect 'favorite things' for birthday party the 29th.
22. Finish that sweater
23. Find a pattern and start knitting socks
24. Clear the altar - set it for Spring
25. Give a whole day to my husband
Saturday, March 15, 2008
My To Do List
I told you I'm torn over what to do during break....
We received our mid-term grades and I was shocked to discover two Bs. (Okay, I almost cried.) So, that was a kick in my diligence.
Here's my list....
School
Conditions of Learning:
Observation Grid (Due that Monday)
Paper - Triangulated Reflection
Paper - Learning Principles
Bible as Literature:
8-10 Page Essay on a specific literary aspect of one or two books of the bible
4-5 Page Report on Acts Chapters 1-15
Study 10 Characteristics of Apocalyptic Writing (Due that Wednesday)
Shakespeare:
10 Page paper on blind obedience and willful disobedience (Outline due that Monday)
Read MacBeth (Due that Monday)
Appalachian Culture:
Finish reading Unquiet Earth
Finish reading and write about We Make the Road by Walking (Due that Wednesday)
Home
Outside
Cut back and dig up bushes by gate
Rake out that area and the front area, replace with new clean mulch
Cut out weed growth / cut back big bush in back yard
Rake the back yard
Get rid of big garbage in yard
Inside
Remove plastic from windows
Sweep, dust and air out the house
Put everything in its place (including take stuff to attic)
Paint the living room
Extra
Collect 'favorite things' for birthday party the 29th.
Blog.
Finish that sweater
Find a pattern and start knitting socks
Clear the altar - set it for Spring
Give a whole day to my husband
Okay, that's 10 things for school and 15 things for home.
25 total things and 9 days. Let's GO!
We received our mid-term grades and I was shocked to discover two Bs. (Okay, I almost cried.) So, that was a kick in my diligence.
Here's my list....
School
Conditions of Learning:
Observation Grid (Due that Monday)
Paper - Triangulated Reflection
Paper - Learning Principles
Bible as Literature:
8-10 Page Essay on a specific literary aspect of one or two books of the bible
4-5 Page Report on Acts Chapters 1-15
Study 10 Characteristics of Apocalyptic Writing (Due that Wednesday)
Shakespeare:
10 Page paper on blind obedience and willful disobedience (Outline due that Monday)
Read MacBeth (Due that Monday)
Appalachian Culture:
Finish reading Unquiet Earth
Finish reading and write about We Make the Road by Walking (Due that Wednesday)
Home
Outside
Cut back and dig up bushes by gate
Rake out that area and the front area, replace with new clean mulch
Cut out weed growth / cut back big bush in back yard
Rake the back yard
Get rid of big garbage in yard
Inside
Remove plastic from windows
Sweep, dust and air out the house
Put everything in its place (including take stuff to attic)
Paint the living room
Extra
Collect 'favorite things' for birthday party the 29th.
Blog.
Finish that sweater
Find a pattern and start knitting socks
Clear the altar - set it for Spring
Give a whole day to my husband
Okay, that's 10 things for school and 15 things for home.
25 total things and 9 days. Let's GO!
Spring Break ! Day One.
Okay, it's the first day of my Spring Break and I still don't know what I'm going to do.
Top of my list is to finish that dang sweater I've been working on since Winter Solstice. It would be poetic to finish it by Thursday, which is Vernal Equinox.
I have about 7 or 8 pieces of schoolwork I could be getting to.
Spring cleaning! I want to take all the plastic off the windows and air out the house. It smells like dog, cat and bear in this house.
Rake the yard and get rid of some debris and bushes.
Finish taking down the fence in the back yard.
Paint the living room.
Blog.
Clear off my pagan altar and start fresh (Ostara is for new beginnings and making plans!).
A week seems like a lot, but if I keep adding to my list, I'm going to be sorely disappointed by the time that Monday and school starts up again.
I also need to devote some time to my fantasticly wonderful husband.
Next entry will be things to do.
We'll check back in a week to see how it went.
Top of my list is to finish that dang sweater I've been working on since Winter Solstice. It would be poetic to finish it by Thursday, which is Vernal Equinox.
I have about 7 or 8 pieces of schoolwork I could be getting to.
Spring cleaning! I want to take all the plastic off the windows and air out the house. It smells like dog, cat and bear in this house.
Rake the yard and get rid of some debris and bushes.
Finish taking down the fence in the back yard.
Paint the living room.
Blog.
Clear off my pagan altar and start fresh (Ostara is for new beginnings and making plans!).
A week seems like a lot, but if I keep adding to my list, I'm going to be sorely disappointed by the time that Monday and school starts up again.
I also need to devote some time to my fantasticly wonderful husband.
Next entry will be things to do.
We'll check back in a week to see how it went.
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