PLANNING YOUR ORGANIZING

Another week – another post – but not much done during the week. 

Last week, as mentioned, I hurt a muscle in my stomach and husband would not let me do anything heavy so I would heal.  This meant that I could do computer work, some cooking (not “heavy” pots) and such.  He carried the laundry bag downstairs so I could do the laundry and then carried the basket of clean items upstairs (twice as I did clothes one day and towels the next) for me.  The basket of clean clothes that I carry upstairs on one hip with one hand normally, he can barely lift.  Unfortunately after feeling better, today my back was hurting – I could not even twist to see the office phone to dial as I had to lean around the file holder stack on my desk – I had to go to the kitchen to call our bank to see if something coming into the account had arrived.  So not much done again this last week.

I will say that we were very pleasantly surprised after using up most of our available time last week to prepare for the reenactment event I mentioned that it was much easier to do than we had figured how it had been explained. 

Rather than hand everything over the fence, we were allowed to drive right to the space set aside for our unit.  The people from the museum that was having the event were the nicest people we have ever met running an event – and we started doing craft shows in the 1980s.  They bent over backwards – if we wanted the space set a different way, they were glad for us to do it and helped us.  They were helping us unpack.  They had tables out for us to use – one less thing for us to have to take out and set up.  When we had finished unpacking I asked one of the men to help me back the van out of the museum grounds.  He sent me up the road about a block to a school that was letting them use their parking lot  - okay, a small bit of disorganization, the lot was small and full – there was a children's soccer game going on.  There were no spaces.  The fellow (not from our unit, but a friend) who was the blacksmith followed me in – he had a regular car and told me he as going to park between the two rows as another car had done.  I luckily saw a father and son heading to their car and got that space.  Not sure what later cars did – demonstrators, volunteers, and the public. 

Despite my back I held up one of the tent poles (this is a reproduction tent – not a modern popup tent) for the unit set up as our members put it up.  We had table next to the tent with plenty of room for the wooden drying racks we were using as display for the scarves husband had woven.  After we set up I found a space between our table and the unit's setup to sit and embroider.  Other members set up across the aisle from us in a group.

I talk about this in this column as organizing a setup for a display – whether a craft show, a reenactment event, a flea market, or a display setup up involves advance planning and then one has to hope that all goes as expected.  We have learned to carry a variety of setup items that we do not normally need or use – just in case.  Even if one knows the space that one will have it may be different than it was last year or otherwise expected.  If the person that the next space is reserved for does not show up, one may be able to expand into their space.  One may have to deal with uneven ground – or even a large puddle or flooded area.  This time we were lucky.  The venue's employees were nice and accommodating and the space well situated and not limited.  We have gone to craft shows where we are supposed to have the same space as the year before – a corner space with 2 sides to display on – and found that the setup had changed or an error was made and one had different space in a different area midaisle with one side to work with.  As we did this when we brought more items for setup than we needed, one has to be prepared for anything. 

Think of trying to organize your home – you have plans to clear out the closet in the spare room and then find items there that you had not remembered.  You are not ready to deal with those items – maybe not enough garbage bags (or the bags you have are too small) or you need help to move what you find.  Or maybe you have to sort a lot of very small items and have no where to sort them.  One has to be ready to deal with situations that one did not expect when organizing. 

As to the event we did – very nice.  Husband has been weaving for about 3, maybe 4 years and has tried to sell his scarves and table runners online.  No sales of same at all.  He has been despondent about weaving and no one buying.  Our thought was that if the pieces could be seen in person it would be different and hoped that to be true.  Craft shows around here for the most part are buy and sell junk shows – no chance of selling an actual hand woven scarf if commercial scarves for $8 each are being sold, which is why he jumped at this chance to sell, especially in the fall (okay, it did not feel like fall, it was in the upper 80/lower 90Fs) but he sold a scarf partway through the day and then near closing, 5 scarves to one woman.  Yippee.  He is again happy to weave. 

THOUGHT OF THE WEEK -

Plan for everything you can think of for a specific organizing chore.  There will be things that happen out of your control, but try to anticipate what you will need and the time you will need to do it.  Then “play it by ear” if something not anticipated pops up!

YET ANOTHER WEEK OF NOT GETTING ANYTHING DONE

Another week gone by and little to show for it – again.

Husband had planned for us to go to a quilt show in Pennsylvania last Thursday, the first day of the show.  We normally will go to this and other shows from the same company on Thursday as it is less crowded and items are not sold out – not that we normally buy anything there.  While we both have done quilting, we go for something to do and because there are no other sewing or embroidery shows in this part of the country and I do sew and hand embroider.  Since we – and our RV – really need a trip we had planned to stay overnight and go to the farmer's market we like in Lancaster on Friday. 

So, of course it poured on Thursday – here and there.  We changed our trip to just go for the day on Friday to the quilt show, but drove there in the RV so it was driven and would keep the engine and RV batteries working properly. 

Husband's sister has self-published a book and somehow managed to get a local bookstore to give her a reading/signing event on Thursday night.  Since we were home, husband decided to go to the signing – in heavy rain.  We could not figure out where to park – hard to see in the rain – and ended up 3 blocks away.  I am “made of sugar” - when I go out in the rain, I get sick. 

So Friday midday a cold hit me.  Luckily it is a relatively light cold and will soon be gone.  But husband is a hypochondriac and does not like me touching things that he will touch or eat when I am sick.  We ate out as usual on the weekend.  Monday night we had reenactment unit meeting and bought deli sliced turkey for dinner.  But last night, Tuesday, dinner needed to be cooked.  Understand, husband is, or at least was when we cooked more elaborately, a better cook than I am.  But he is out of practice, was worried about the batteries in the RV (which are still not right) and an oil leak under the RV, and I have stand there and step by step tell him how to cook and where things are – so dinner and clean up (done by me with plastic gloves on) took forever. 

In addition our reenactment unit has an event this Saturday that originally husband said we were not going to.  Now not only are we are going, but he found out he can sell the items he has been weaving.  So he (and thereby also I) are involved with getting ready to do so – we have not done a craft show in 10 years and this has to be setup differently and we have never sold items he has woven before so we do not a have setup at all for same, let alone one that will pass for a country fair.  So we are running around trying to put together a setup and also finishing the woven items.  Finishing them consists of washing and drying them and then cutting the start and end threads and doing something with the fringe ends.  Not something that can be quickly done for about a dozen scarves and table runners.

He also decided that we need to be able to take credit cards – something I agree with – so he filled in the required info to be able to take credit cards from Paypal. We have an account with then that we use for online sales that exists for about 10 years, so we are not strangers to them, it should be easy to get a card reader and use with our existing account.  As of today – a week after he filled in the info – we still don't seem to have the account for sales with a card reader and they seem to be sending the wrong card reader.  The day after he originally gave them the info and we saw that there were problems he signed up with Square – who we had never done business with before - and we were able to immediately sign up and pick up a card reader at one of an assortment of stores locally that sell them.  So much for loyalty to customers by Paypal. 

So I have not get anything done as we were away and we have been trying to get everything done for Saturday (which to our minds mean that it will rain Saturday and the event will be canceled or they will have it and we will not go due to the rain). 

In addition I have the cold, plus a couple of weeks ago I started having pains that we think are from my lifting the last analog monitor we got rid of – the pains come and go depending on if I lift something else heavy – and last night I was terribly ill after dinner so I have not been of much help, particularly since husband will not let me lift anything “heavy” which has much lighter threshold than it does for most people.  (I am not sure how we will be able to setup Saturday as he will not let me carry any of the setup or the weaving and we cannot park close to where the reenactment unit is setting up.

I was suppose to take my mom to the doctor this week – but had to speak to her about when she is available to go so I can make an appointment, so I had not done so, plus I did not want to her give her my cold – so I called tonight to check her schedule and will try to make an appointment for next week.

I also have to go to client this week or next. I would greatly have preferred this week as she is in Manhattan and next week the U.N.  will be in town and it will be a travel and security mess, but she is also older woman in her 80s and I did not want to give her my cold either. 

Oh, and the RV battery is not keeping its charge so we were “playing with it” all week and now our car mechanic has it – he fixed the oil leak and will see what he can see about the batteries tomorrow.  (Husband spoke to RV company that installed the new batteries – batteries have warranty, but does not cover labor and we will need to leave the RV there for at least a week – ouch, at $100+ per hour… - plus we will have to drive both RV and car to New Jersey, come home with car, when it is fixed drive car to NJ, pick up the RV and then drive both home – and tolls for each vehicle for each round trip is about $30 – so the tolls alone are almost $100, plus the gas.)

So I have gotten some computer work done I managed to trace and resolve problems in the posting of our Etsy sales and fees – mostly only have fees, few sales – from using their new payment account that handles both fees we pay and sales we make (terrible idea from an accounting point of view).  I did scanning of tax return recently finished for client.  That sort of thing. 

THOUGHT OF THE WEEK -

Sometimes one just has to go with the flow of what is going on.  Great to get stuff done, but when life has other plans – don't go crazy, just go with the flow and catch up when one can.

DO YOU KEEP TRACK OF WHAT YOU DO?

Do you record what you do?

A number of organizing books I have read over the years suggest that one write down everything that one does. The idea is that you will see two things – how much you are getting accomplished and also how long various tasks take you to do.

Even before I started trying to get organized I kept an annual appointment book with short notations of work items completed (and appointments of course). As a matter of fact, the appointment book would be my annual Christmas gift from my husband (bought by me, of course) and in many years it would be only gift. (Suggestion if you use a paper appointment book, which is good for many things – if you have a black covered appointment book it can easily disappear from view in a stack of something or a mess. I used to have gray appointment books – still professional and more visible (my gloves are also gray for the same reason).

Sometime in the late 1990s I got a computer appointment book – I used it to keep track of what I did for work plus more and more personal items also. Unfortunately it did not work with Windows XP and when I got a computer that worked with same, I could no longer use it. Before I stopped using the old computer I printed out as pdf files all of the entries from that program so I still have the records from it available to me. The problem I had with the computer appointment book was that I could only use it on the computer – it could not be carried with me, so while using that program I also kept a paper appointment book to carry with me.

I had to find something else to use. I got a wonderful program called Lotus Organizer it was even better than what I had before. It had an appointment book, todo list (completed tasks remain on the date they are finished – most such software moves them to a list when completed – this way I can page through the book and see what was done), address/telephone book, and also allowed me to have memos. Even better, it sync with (among other devices) Palm Pilot. Husband had a Palm Pilot and gave it to me as he did not use it. Now what was in the program on my computer was also in my hand.

I started making more and more notes in the todo section as completed todos. Short notes on conversations with clients (or others) – where we went for meals – where we went on trips – what stores we went to with reason if there was one – and so on. I worked out a sort of shorthand to use to save time and computer/Palm memory. Husband was delighted as there is rarely anything I like.

We were offered new cell phones to renew and the hottest thing out was a smart phone – the Palm Centro and it was tiny – just over 4 by 2 inches. No wifi – it did not exist (or at least did not commonly exist) then, Internet was by cell phone service only, real buttons, no guessing where the buttons were and mistyping everything (as smart phones no longer have now) This was a major wow to me.

I refuse to give up the Lotus Organizer and so husband finds ways to allow me to keep using it. He has made virtual Windows XP machines in my Windows 7 desktop and my Windows 10 desktop (this one) so I can keep the Organizer on the computers. (I told you, he loves solving my problems as there is so little I want.) When I had to switch to Blackberry, he found that old Blackberry software would work with Organizer, mostly. The biggest problem – which I to solve myself – was when the Blackberry no longer worked as a telephone or Internet. I had to get - boo hoo, I was so upset – an Android phone. I basically “keep 2 sets of books” now. Certain things are on both the Android and the Centro, others are on one or the other. I use the Centro in the house and take it on trips, and make notes in the Android when I am out and copy them to the Organizer. Not ecstatic, but it works for me.

So what do I do with what I record in the Organizer?

I have more contact info in the Organizer/Palm than I do in the Android - I won't need my Congressman's info while out, so it is not in the Android.

I have my calendar in both setups.

I have some memos in the Palm/Organizer setup only such as list of where and when we have gone through automatic payment tolls so I can check against the bill. (Which is why I bring it on trips.)

Others are in both the memos in the Palm/Organizer setup and the Android. Included here are lists of embroidery/needlework books I have so I don't buy duplicates, specifications of items we have that we might find items to go with (sewing machine feet, post size for lathe and items needed to make reenacting clothing. Since we tend to go to the same places on trips, I also started a list of fast food and casual food restaurants along the roads we commonly travel on. We know what food they have and that we can find what we can eat, as well as that we can afford them. Passwords in a code that I understand. In the Android only I have my shopping list – for groceries as well as items we are looking for from other sources.

I also keep tasks (todos) both to be done and finished. This way if I do something I have a record of having done it. (No, I don't record when I go to the toilet or when I sleep.) I do keep track of phone calls/emails/in very rare cases texts made/sent or received, letters written, where we went – including for errands, chores around the house, and so on. If I need to contact a business that has not replied to me or done what it said it would do – I have a record of when I contacted them, who I spoke to and what was discussed – also of letters written. I have a record of when items were mailed out and to who (we go the Post office to check for mail in our box there and also send out any mail we have to go out).

I use codes when I do this.

T: is a telephone call, it will have who it was made to or received from quick what was talked about, the time it was made/received, and if it was an incoming call it will say “in” if I spoke to a computer “CP”, and if it was a return call to someone who called me “RC”. Details as needed - can be long or short – just “RC “or “chat” is just conversation.

E: is email – I use “AE” instead of “RC” for this and time is not recorded.

X: is something I just added and it means text – used for those texts which are other than from husband as our texts between us are basically “dinner is ready”, “where are you in the store”, “starting home from work” and similar. Other text messages – such as from my sister about my mom I want a record of what was said.

I also use letter for what the call, email, etc. is for – personal ones have no code, “A” is something done for accounting, “C” is for crafts business related, “U” is for our reenactment unit and so on for about 6 or 7 different things.

To make sense of this - T:A:Jones: appointment >3:30pm - means that I telephoned at 3:30 my accounting client, Mrs. Jones and made an appointment to go into her business to do her books. (The appointment is separately recorded in the calendar at the day and time I need to be there.)

Now you might say what the heck is the reason for all this? I can search for when I did something to check on when it was or what was discussed. I used the Organizer for this yesterday. I was about to pay a credit card bill and I thought that I had called the company and had the “rewards amount” applied to the bill so I could pay less by that amount, but I had no notes of the call on the bill. I searched in the Organizer and was reminded that I went to make the call the phone was not working. I immediately called up and had the credit put to the payment of the account. If I had just gone by memory I would have underpaid the (full) balance due and would have been hit by finance charges.

Another use is sometimes I get a credit card statement and there is a charge on it which I have no slip for. (Yes, happens to me too.) I can go back and see if I was at that store or restaurant that day. If I was, I have to presume the amount was okay, if not then I will contact the credit card company for proof of the purchase. (If I have no slip for, say, FG Asian buffet, and we ate dinner there – well, we owe the money.

Husband and I are getting older. We can end up in a “disagreement” about what and when something was done “No, we went to your mother's house on the 4^th so we did not do X that day and still have to do so.” Look it up and we either did go there on the 4^th or we did what needed to be done.

I also put into the tasks as repeating tasks, items I need to do daily, weekly, monthly, quarterly, annually, etc. and add reminders of them. This blog is two tasks a week – one is to write it on Tuesday nights and the other is to post it on Wednesday nights. Okay, I don't think I have ever actually written it on Tuesday – like Charlie Brown, I work best under pressure. I do have reminders the same way to write the newsletter for my embroidery chapter monthly, do the laundry, take out the garbage, take out the recycling, rotating over the month – clean the house, and so on, as well having the record of having done so.

THOUGHT OF THE WEEK -

It helps to stay organized by keeping track in your cell phone of what you need to do and your appointments. You can have all the contacts you need in it also. And after you have done things you can keep a record of what you have done even if it was not listed in it to do.

THE CRAZINESS CONTINUES ON

Another week already? For those of you who have been/will be in Dorian's path - I hope that you and yours come through safely.  To say that it is a horrible storm is to greatly understate the situation.

Things are still hinky here - I called the insurance company for our reenactment unit again to try to resolve the problem of the paperwork not being right.  What the employee and I did manage to figure out is that it is not a paperwork problem - the changes to the policy do not seem to be right when we discussed them.  She was to check with their underwriters and the files to see what happened and then call me back.  I waited a week and then called her again - last Friday.  The agency was closed for a four day Labor Day weekend.  I called her again today, Wednesday.  She was not in - working from home (I got the impression she was not well).  She called back while we were out - which is why I said I would call back instead of her calling me, and left a message to talk to someone else at the agency - I will call them tomorrow.  I have been trying to resolve this since June - policy renewed in late May.  At this point we only have 3 events left before the insurance will renew again next year. I have now requested a printout of our payments to our medical insurance company in 2018 three times - hope this time they send the correct papers and not a summary of what we owed - what we owed and what we paid could be totally different amounts (although not in this case) and the county will not accept what we owed - they want a list from the insurance company of what we actually paid.  That and one other set of papers is the last of what we need to file for our senior real estate tax exemption.  Then I can assemble the "tome" of papers that have to go to them for this exemption.  We learned our lesson last year.  This year we will not mail the paperwork to them (and we had mailed it by certified mail and had a record of when they received it).  We will drive to the real estate tax assessor's office and I will walk it in and get a receipt from them that they have everything.  Husband will sit in the car as parking is just about non-existent.  Newspaper article recently said that our new County Executive is going to make this department actually answer their phones and help people.  When one calls the message on their end is basically - "We don't have time to take calls."  and sometimes also "And we don't have any parking for you to come here."  Public servants.

I have managed to do a bit of house cleaning this past week - I admit it, I am sooo off schedule as I just have not had a chance to get to anything.

I have been tasked by my sister to find sources to sell items from our family home - a library of books, a collection of records (LPs, 45s and CDs), china and glass - useful and decorative, dad had a number of clients who were artists and they have pieces from some of the clients and other pieces that purchased - only a maybe ten to twenty, but some of them may be valuable.  We need to get as much as we can for items which can be sold as we need it to keep mom in the assisted living program she is in and likes.  Time is also of the essence as mom has a reverse mortgage on her house and every month more interes accrues. The sooner we get rid of the stuff in the house the sooner we can sell it - the less money that goes to interest and the more that goes to mom. I emailed a client that I have still have whose husband is one of the artists and asked if either of them knows of a gallery or auction house to contact.  I know the husband's work still sells from time to time and figured that they must still know who to contact.  Problem, of course, is that we need to not just find someone to buy (or take on consignment) the stuff we need to get rid of, but need someone honest who will not buy stuff for considerably less than it is worth.  I just found a site that was recommended by a seniors organization for pricing items.  I will have to look at it.  Quite frankly it was this part of clearing out the house that intimidated me.  My sister had talked as if she had an idea of who to call about all this and I had felt better about it, now I am overwhelmed again - and quite honestly, my sister is handling most of everything. Anyone with ideas about getting rid of all this stuff without getting "taken" - please let me know, it will be gratefully appreciated.

I had the first meeting of my embroidery chapter today.  I was not sure that I would that I would get to the meeting as husband is desperate to go away for a few days - both for sanity and because we have spent a lot on the RV to keep it in good shape, we do not use it, and it needs to be used - especially driven - to keep in it in good condition.  Due to rain storms today where we were to go, we dropped the plans - bad for husband as he is upset, but good for me as I had my first non-work day without him since June.  I did come home after running a couple of quick errands after the meeting and did not take the entire afternoon for myself as I normally do, as husband is sure that the Dorian will turn and hit Long Island and we will lose our electricity, so I did not want to leave him moping and in a panic all day by himself.  We are learning a new stitch that I had wanted to learn and it was such a pleasant time at the meeting.  I really need to find another group to join also - I have tried to get husband to join a group without me, but he is not interested and finds an excuse not to join any group that is related to his interests when I find them.

I normally write my post using a word processing program that I like and then copy it to the site.  Tonight for some reason it would not work - it opens, but does not work, so I used good, old Notepad to write - any spelling errors or oddities in appearance of the post are due to that.

THOUGHT OF THE WEEK -
Well, one has to go on and do what one can.  Having my embroidery chapter keeps me sane - what keeps you sane when it is all piling up?

EVERYONE ELSE'S DISORGANIZATION PREVENTS ME FROM BEING ORGANIZED

Wednesday already? 

I have been a whirlwind of not getting things done. Amazing - really - entire days have disappeared since last Wednesday with nothing to little accomplished.  I am starting this post about 3 hours later than normal - Once a month I have to write and send out the newsletter for my embroidery chapter - and I barely started it before dinner and had to write it after dinner - through my “reading the newspaper” time, my “doing the laundry” time and my “writing my post” time.  (The last two items are normally done at the same time.

Worst of the week was our lost Friday.  I think I have mentioned my mom has not been doing well - she is 90 and now in an assisted living facility.  Since I was not able help to much at going through the family home and husband and I do not work full time (more like hardly at all) I was asked by sister to deal with taking mom to several doctors - she gave me a list of them.  Last week mom was unwell and ended up at the hospital overnight.  She had a blood clot in her leg.  After she was back “home” (in the assisted living) my sister wrote that mom had an appointment to go to the cardiologist on (now - last) Friday at 10 am with a certain doctor - Dr B.  We had been planning - again - to take a trip to Pennsylvania, but were not sure due to weather if we would go - decided Thursday not to and I texted my sister that I could take mom.  Mom called me before I could call her to make the arrangements to pick her up.  The appointment was at 10 am - none of the three of us - mom, husband, me - are normally up and out that early.  Thursday night there was a huge storm in the general two county area.  (Mom and sister are in the next county.)  The storm was so bad that the front was blown off of a warehouse on the county line. 

Husband and I woke up at 8 am to take mom (this is about 4-5 hours earlier than usual as wake up late and go to bed late (it is 2 am as I write this and husband has not come down yet for snack before bed and we will get to bed between 3 and 4 am).  I had estimated a lot of extra time for rush hour traffic, getting mom into her wheelchair - then our car - and then dealing with her wheelchair for our first time.  As we drove to mom there were lots of slow downs as huge trees had fallen along the parkway and the crews were working on them.  We got to mom just at the time we needed to be there - so my extra time was a good thing.  I went up and got mom, we got her into the car and figured out the chair fairly quickly (I had thought to look up online the night before how to take it apart to fit in the car) and we were off.  The doctor’s office was fairly close to mom’s place. 

I expected a doctor’s office as I am used to - an outer office with staff, then several exam rooms in the back.  If it was in an multiple office building I expected to see doors along the halls with the names of doctors on them.  The place had open offices along the hall - no doctor’s names - just the specialty that was in that space.  We came to the end of the hall we had been sent down and had not seen a sign for cardiology.  I asked an employee and we walked into a nearby office area.  I asked someone about signing in (at our doctors one signs a sheet with name & time) there was acomputer tablets - oh boy!  It asked if I was the person or signing in for them - I selected the latter - it wanted me to put my hand on the screen - I did, several times.  It gave up and asked for mom’s name and date of birth - rejected that.  I went to someone at the desk and explained - I should not have been sent there - mom was not registered.  I was handed another computer tablet to fill in info on.  Mom was confused by this (although she does use a computer since she worked with one at her job).  I started trying to fill in the form - I have trouble using my Android phone as I do not always show up on touch screens (if I knew we would be using one I would have brought a toucher thingee to use).  Husband had to take over and fill in info.  I gave the woman mom’s two insurance cards while we did all this.  Mom had to sign the tablet - multiple times - she was very frustrated doing so.  Then there was a problem with one of her insurance cards - there was an extra digit in the account number (I have to wonder if it is because she has had it soooo long).  The woman called it in and found out how to enter the number.  We were told to sit down and wait.

We were called much quicker than I thought we would be.  We followed an employee into a room.  She was checking and taking information - we were there to see Dr. Z per her - I told her that we were suppose to see Dr. B (my BIL’s doctor).  No, Dr. B is at the hospital doing procedures mornings - he only has afternoon appointments.  I started texting my sister.  All three of us thought mom was there to have her pacemaker checked  - employee said mom was there to have her leg tested related to her blood clot, and they don’t do pacemaker testing - that is done at the hospital.  (Her old doctor did same in his office.)  I called my sister - yes, she was there for her leg (did not say to her - but if she was not there related to heart -why say she is going to the cardiologist?)  and yes, she was suppose to see Dr B - sister had a card from the hospital which made the appointment with the doctor’s name and time.    Our choice was to see Dr Z instead, come back another day or they had an open appointment for Dr B at 2 pm - we could come back.  We chose the last.  As we walked out it was corrected to a 2:30 appointment

We now had close over 3 hours to spend.  We got in the car and started to drive and figure out where to go - lunch would be part of it, but not long enough.  We came to a Barnes and Nobles and parked and went in - I figured we could always sit and look at magazines.  We managed to easily spend over 2 hours there.  Then we went to a Wendys we knew for lunch.  Then back to the doctor’s office.

I had asked if we had to check in again and had been told to speak to the woman who had helped us.  Again we were told to take and seat and we would be called.  At 3:30 we still had not been called and I went back to the woman - I told her that it was an hour past the appointment and mom had to be back for dinner at 4:30 or she would miss same.  She apologized and said it would be “soon”.  Mom went in just after 4 pm - us with her.  Nurse took vitals and asked for info - her assisted living should have sent info with her, including a list of her meds (next time I will check with the office which handles this, in advance) - we gave the list of meds as we could.  We then went to another room where they had the machine that doctor needed to do the test.  We waited.  The doctor came in - he was extremely nice and took time to explain everything to mom and us very simply and without large medical terms unless he explained them.  (Husband and I had already the report on the counter from mom’s hospital visit.)  He said that she did not need the test yet - she should come back in 3 weeks.  He gave us a list of things to be done in the interim for mom’s facility - I had one of the employees make a copy for us.  We left.  So basically we had spent, just since picking up mom 8 hours - and nothing had been done.  We were concerned about mom not having dinner, but she said they would bring her a tray and when we got to her room, we had to insist that she throw out the tray left for her for lunch as it had been sitting out. 

On the way home we stopped at the bank as we had planned to do in the mid afternoon on our way home and the at the post office to pick up mail at our box - ditto.  Friday gone and wasted.

Then we found out that our kitchen telephone/answering machine was dead.  It is on the wall across from the basement door.  We bought a new one - per the online info it should have fit - the door passes close to the wall across from it - but apparently they had not included the handset in the measurements.  So we have now bought and returned 4 telephones - the others were too cheaply made and at least one of them hardwired so the wire could not be removed for wall use.

In the meantime I am trying to get a copy of the changes to my reenactment unit’s insurance that we did - back in April. The woman I have worked with for years at the agency retired and I figured the new one was stupid and did not understand what I wanted.  Then another thought hit me - perhaps the changes were not properly made - seems like that it the story - and she is checking what went on.

I have a client who files his income taxes on extension as he is away when it is due.  I just picked up the info from him a week or so ago.  He sent me an email that he needed to talk to me.  There is a situation with his income for 2019 and I need to call one of his financial advisors - so that is another call I have to deal with.

We need to have a printout of what we paid for medical insurance last year for a senior tax exemption.  We have 3 medical polices between the two of us.  One company has now sent us the wrong info - not a listing of what we paid - twice now, and I have to call them AGAIN! 



So when the heck am I suppose to get anything done?!!!

THOUGHT OF THE WEEK -

Sometimes the stupidity of ours takes up more time than thinks one can deal with.  One just has to deal with it and do one’s best.  When others are not organized - they take our from our ability to be organized.

WATCH THE PENNIES AND THE DOLLARS GROW

Yes, saving money involves being organized.  One thing that husband and I agreed on - very early in our dating - was that neither of us liked being in debt.  The day before we were married I paid for every one of my bills sitting waiting to be paid - including adding up the credit card slips and sending a check for same to the credit card company.  I never wanted husband to be able to say that I married him in debt.  (Well, technically I was in debt - my student loans were still being paid off by my parents and were not fully paid off until some time after we married - but he has been polite enough to never mention same.)

When I was a child - before age 5 - my parents started teaching me about money.  I got an allowance of something like a penny (US) a week.  Now, remember, both my parents were accountants.  My mom set up a “bank account” for me.  She drew up a little bank book (do they still exist now?).  When I received my allowance I could keep it and spend it (amazingly, one could actually buy things then with a penny) or I could deposit it in my bank account and save up for something.  If I “deposited” it in the “bank account” she would note in my bank book.  If I decided to buy something and needed money, I could withdraw it from my bank account and she would note it in my bank book.  Sounds crazy right?  Well it taught me to save and what saving could do.  (I don’t remember if she ever added interest to my account - I don’t think so.)  If I got a gift of money from a relative I could, again, keep it and spend it or “deposit” it.

 Over the decades the amount of my weekly allowance increased.  By the time I was in junior high school (around age 12) I was getting $3 per week.  My allowance was calculated so that I could buy lunch in school every day (50c per day), if I wanted to, from my allowance and I would still have money left over to spend.  Over time I saved up money and took my parents and my younger sister (second sister was still a baby) to see a Broadway play (tickets were a lot cheaper than - under $10 even for orchestra seats and I bought for the mezzanine). 

We have lived within our means since we married.  We found an apartment that we could afford.  At first we were spending most of our income.  As we went along I came up with an idea.  Husband received promotions at work - first director of his department and then director of the agency at which he worked.  With the first promotion I took half of the increase in his net salary and saved it - only using half of the net salary increase for spending.  Why?  Well, we had been living on the amount he (and I ) received before - the raise was extra money that we would not miss if we put it in savings.  I used the net amount (after taxes were deducted) as that amount was the extra money available to us.  I did for some time. 

Watch where you bank.  Different banks, savings & loan associations or credit unions can charge hugely different amounts for the same services.  A credit union functions just like a bank, only the depositors own it so fees are less.  The same financial institution that works for a friend or family member - might not be best for you and what is good for you now (or last year) might not be the best for you right now or in the future.  The credit unions I have been involved with locally require one to deposit $5 in a savings account and leave it there. One then gets a free checking account plus can make other deposits and withdrawals to the savings account.  Generally the interest rate on credit union accounts is higher than those on accounts at banks.


We eventually bought a house.  We bought one below what we could afford.  We put down a good sized down payment on the house  - much of it from my savings as a child.  We did not like the idea of having a mortgage and wanted it paid off as quickly as we could.  Instead of dividing the net salary increases in half after that, I would divide into thirds - one third to spend, one third to save and one third for extra mortgage payments.  We paid the mortgage off in half the time it was for - again since the money was new money, it was not missed by us as we had not had it to spend before. 

When we have bought cars - and we buy them, we do not lease them - we have mostly paid for them in full from savings. When we have had to take a loan - 3 times - for a car it was always for less than 25% of the price of the car.  We drive them, with two exceptions, until it no longer makes sense to repair them.  We have 23 year old van and a 10 year old car at the present time. 

We did buy our little RV.  It does have a loan on it.  I send an extra $100 at least 4 times a year to speed up the payments on it and cut the amount of interest we will have paid on it when it is paid off.

We have paid our credit card bills in full - with one exception - since either of us had a credit card.  No interest paid means money not needed for same and available to use.  I recently read an article and the person who wrote it said that one should always pay in cash for everything.  I wrote to them and pointed out that if items are put on credit cards one has a record of where their money went (and records for tax deductible items).  If they are paid in full, it costs nothing in interest or fees.  If one gets a credit card one can get one that pays a very small percentage back in cash - additional money to spend or save.  In our case we use several credit cards - each for a different purpose and depending on the card and what we buy we can get up to 5% back in the purchases. Does not sound like much?  We bought a fence for our house - we got 5% back on the price of the fence.  We put a car down payment on a credit card - paid the credit card in full and got 5% back on the down payment towards the car.  The one exception was decades ago.  Husband used to get his unused sick days paid off at the end of the year, which was August, so we used the money received in September for the sick days to pay for vacation (and the balance of what was received into savings).  One year there was a problem and the sick day pay was coming in October.  We discussed should we take money from savings to pay the vacation bills and then deposit the sick pay to replace what we took or should we pay the half of the credit card bill we could and then pay the balance in full the following month.  It was an odd time and the two interest rates were just about the same, so we went with paying half and then paying the bill in full the following month.

If one can get their bills in order, one can actually pay less and have money available for savings or needed items.  I was reminded this past weekend when the movie “I Remember Mama” was on TV that I actually started my thinking of dealing with money with when I read the book (actually named “Mama’s Bank Account) as a girl.  If you have never seen the movie or read the book - it is about a lower class Norwegian immigrant family in San Francisco in the early 1900s.  Every week the father brings home his wages (in cash which was how people were paid back then at all but professional/executive level) and gives it to his wife.  She sits there with paper and sorts the money “ for the grocer” she makes a pile and wraps it in paper, “for the landlord” ditto and so on. When there is a problem and money is needed for something special/different (such as the son going to high school - they will his potential wages and there will be costs) the mother says that they must figure out what to do so that they do not have to take money from her bank account.  I have gone with this idea of “piles.  I have moved money - in my computer accounts - to save for various things.  By subtracting the money before we have it on our regular savings account, it is not there to spend.  I had subaccounts in my Quickbooks - savings for next car, for vacation, etc. subtracted from the total amount of each paycheck and each time I did I heard in my head “for the grocer, for the landlord..”.  (Spoiler alert - at the end of the book/movie the daughter/author has received her first payment for writing and tells the mother to deposit it in the bank account and the mother admits that she has never been in a bank in her life - but that “it is not a good for children to worry”.)  Set aside money in advance for things that you want or need and you will not have to worry.  Start next time there is a raise if you want and set aside part of the net raise in a savings account (or even a jar) and it will become a habit.

THOUGHT OF THE WEEK -

It is back to school time again.  If you need or know that you will need office supplies - now is the time to buy them.  Pens disappear all the time?  Buy them for around US$ for a dozen.  Will you need a memo book, notebook, ruler, file folders etc.  NOW is the time to buy them!

               

WORK, FAMILY, CLUBS - ALL ARE TAKING UP MY ATTENTION

Okay, so now I have to work on getting things done - not all house things - mostly work, family,  financial, and club things. I got a fortune cookie today that said that my problems are behind me - if only I believe it.

Work - I went to the client that I go to monthly.  She was charged a large amount for fees by her credit card processor and she had no sales.  I telephoned her processing company and they gave me a breakdown that sort of made sense, but did not.  What I was told the fees were for do not match what I have been told in the past about the annual fee she has to pay (due to low sales and this being a crooked company that she says she will switch from, but does not).  A friend of hers (she is in an indoor, open market area and this is one of the other vendors) came by and said that she has to fill in a form with the processing company (and Mr. Expert does not use the same company) and then they will get rid of one the larger fee.  I called the company again and they  then said that I had to call the sales office for more info.  Her salesman who should be who she talks to about questions disappeared in 2016 about two months after she signed up this company.  So I am trying to reach their sales office - either no answer at the extension I need or it keeps ringing.  I looked up the company name on line that answered and not only is not the company she signed up - it seems to be a “use an electronic device for card processing” company not one that uses the card reader she has.  I will keep trying.

Mom - since I have been less helpful with going through mom’s house, I have been put in charge of taking her to 4 doctors she has to go to.  Husband insisted her wheelchair will not fit in our car (and she cannot climb into the van).  I pointed out to him that if I went without him, it would fit as I could drop the back seat down for more room behind it.  In the meanwhile, my sister explained that the wheelchair comes apart to fit in a car.  I have been waiting for husband to set on when we are going on a trip - still a short one and probably to PA again - so I can make appointments for mom.  Today my sister called - mom had to go to the emergency room due to leg muscle spasms.  Now she will have an aide 24/7 for 3 days due to the medication - so I am putting off calling about the appointments until next week (or the week after if we go away next week) so I know where we are with her going out. I called her Medicare supplement plan to see if they would cover the aide, only if Medicare does - so, no, they don’t

Work, again - I have a tax client who has me put his tax return on extension as he goes south for the winter.  Normally he will contact me the start of September to set up an appointment to do his return.  He sent an email  - can we meet Monday?  Have to find out from husband if we are going away next week or not - he seems to be leaning towards not as it is suppose to, yes, rain.

Family, again - husband this time - husband has been having problems for several years finding the clothes he likes.  As a result he is low on presentable clothing.  Now that RV is finally working correctly, he needed something else to obsess about.  Underwear - it seems that it cut with a lower waistband and is too low for his to be comfortable in and falls down.  Then again, his old underwear falls down also - I am going to have start sewing new elastic in the waists.  Some of his shirts are so worn out that he can be seen through them.  When he complained a week or so ago, I made him go to the outlet of the company whose shirts he likes - they are short sleeved which I figured would make it easy - but he found most of them to be “too heavy”.  He got 3 shirts - which have to be washed so he can wear them.  We also have been going to various Walmarts as he found shirts in another fabric he liked, looking for what colors it comes in.  He also bought some tee shirts to try - only $2 each at Walmart closeout.  He didn’t like them, but they are fine are spares for me - especially at that price.  Jeans - he had 2 spare pairs that he bought when the ones he likes was discontinued.  I washed them.  I went to pin them to shorten - but the waists are so tight that he would pass out if he wore them. (They were 2 of 3 identical pairs he bought together - the other is tight, but not like this and the next size up falls off him.) We went out looking for jeans.  He found 3 pairs - all going back are they are not right.  I did convince to buy a waistband extender which moves the button/button hole 1 or 2 inches apart and he is using same.  More jeans shopping to come.  (Okay, I can be as bad, just have been lucky - my only problem is socks and I have taught myself to darn so I can fix them when they get holes.)

Clubs - I have to get paperwork out to an upcoming event for our reenactment unit.  We raised the unit’s insurance coverage and I have been trying - by telephone and mail - to get a copy of the increased coverages from them since May!

Clubs - I managed out to get out the summer newsletter for my embroidery chapter.  Now I have to get the year book (upcoming year’s meeting programs) out.  The newsletter is email; the yearbook has to be printed and mailed - and husband is planning a trip - sometime.

Financial - I have to print out, sign, and mail by certified mail two letters for credit cards that we have to “opt out” of changes they are making.  I paid all our bills today until the end of next week in case he decides that we are going away same. 


THOUGHTs OF THE WEEK -           

First thought is - I don’t have time to write and post this!

When one does not know when one will do something - one cannot plan when one will do something else and has to juggle to deal with it all.  It will all work out in the end - either work out well or badly, but it will work out and new problems will come along to be solved.