The year 2011 was a difficult year for me, in so many ways. It actually started at the tail end of 2010, when my job was outsourced and me along with it, bringing with it an approximately 30% cut in pay and leaving me wondering how I was going to pay the mortgage, let alone buy food and the other necessities of life. After the initial panic, we revamped the budget, cut out a lot of things and moved forward on January 1, 2011, with an attitude of “We will do this.”
On January 30, I transferred to a new position, one with hourly pay instead of depending on production. I’d actually been making more with the production-based work, but with the new position came better benefits and a reduction in the stress levels inherent in working in a production-based system where you may or may not have work to do on any given day and often had to work 7 days a week just to get your 40 hours in.
The tight budget continued. I applied to have my home mortgage “modified,” which brought it down to 44% of my monthly income instead of 50%-plus it had been – NOT what I’d been led to believe would occur, but it was less than I’d been paying and gave us a small bit of breathing space.
In the spring, we discovered the creepy horror of moisture ants nesting in the wall below one window, which began a still ongoing trail of repairs (in that way of home repairs where one thing leads to another and another…), with the intention of bringing the place up to meet the requirements of my local credit union so I could refinance and get away from the “helpful” big bank that had not lowered my interest rates when they modified my mortgage but rather simply extended the length of my loan (again, NOT what I’d been led to believe would occur, but they don’t tell you the terms until the end of the trial period).
One repair led to another, from replacing wallboard and insulation after removing the ant nest, to replacing leaky gutters that had led to the initial problem in the first place, to repainting the house, replacing plywood “skirting” with cement board to bring it up to the credit union’s requirements for refinancing, to replacing a window broken during the painting project, to replacing shingles that had begun to curl on a roof that needs to be replaced completely but will have to wait until the refinancing. Etc., etc., etc.
The well pump and heat pump went out the same time, as well, leading to more delays and more expenses on an already tapped out budget, but we kept going, kept tightening our belts, kept cutting back on “necessities” we realized weren’t necessary after all.
With just a dozen feet left of cement board to hang, a bit of new trim left to be hung around windows, the end was in sight. We have our health – those yearly exams that come with turning 50 all coming up negative for another year. We have each other. We have family, we have love, and I have sons who will drop everything to help if the need arises.
The year ended with coming home last Friday to find a leak in the roof – right at the edge of where the new shingles had been placed, as if the old ones decided to give up the ghost. A tarp was placed to stop the leak while the rains continued, and now my sons will go up today to replace another portion of the shingles and finish the cement board so we can put the attempt to refinance into motion with the start of the new year.
Sometimes, it feels like we will never get ahead. The plan is to refinance, or failing that, apply for a second modification, and failing both, will put the place up for sale and cut our losses, move on to something with less work, less money pit potential, perhaps closer to family.
So I wake up this morning, not feeling overwhelmed by the knowledge that I’ll be doing more overtime than ever before (as long as they will let me, of course), not feeling afraid of what will happen next, but perhaps fatalistic about what tomorrow and next week and next month will bring. Perhaps positive. I really can’t say right now, but we do have a direction, which is a good thing, and it’s a new year, I have a job I know isn’t going anywhere with a company that is actually doing very well in this unstable economy we find ourselves in.
And I move on.
The year 2012 will be better. I know it will.
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Tags: Attitude, Money, Resolution, Stress
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