The little angel got a book over the holiday break on money management. I thought it was going to be a book about budgeting and saving and all that good eight-year-old stuff, but no, it was a book on MAKING money.

The little angel whipped up a business plan. She was going to sell something. She was talking margins. I remembered the failed craft sales she and the neighbor girl had on our neighborhood's garage sale weekend in the past. The times they tried to sell complete strangers used ribbon for $1. I told her if she was going to sell something, it had to be something GOOD. Something useful. Something one might want to own even if it were not made with her hands. She suggested piggy banks.

And so Hoggin Crafts was born. Here is her logo. She made it herself on the Mac, not that you could tell!

I did offer to be her silent partner. I fronted her seven piggy banks, which I bought at Hobby Lobby. She is customizing them. We were at the jewelry store where I bought my replacement wedding ring getting it ionized or whatever it is you do to make white gold match platinum again (and if you did not know you could do this, it totally rocks, and if you ever buy white gold you should get them to throw this service in every six months for free) and the jeweler started telling us about her 16-month-old granddaughter who was enamored with ... you guessed it! PIGGY BANKS. The little angel got her business card and started designing the custom piggy bank that afternoon. Here is the plan.

The pig saying "oink" is  her trademark. It goes on the stoppers on the pigs' bellies. She's about 3/4 of the way done with the pig pictured above and has taken four more orders, all from extended family. I have no intention of starting an Etsy store, but if anyone wants a custom-designed pig, let me know. The 3-inch-ish size pigs are $8. I'm happy she's developing these entrepreneurial skills now, because by the time she goes to college, a gallon of gas will cost ten whiffle-wind credits, and that will be just chaos.

Beloved lost his old job on September 28, 2012. He got an offer for a new one on December 21, 2012. He starts on Monday.

We are returning to the land of two incomes and kissing that unemployment debit card goodbye.

I am exhaling, finally. We aren't going to go over the fiscal cliff as hard as I feared when Beloved's unemployment benefits ran out in March.

Growing up, the fear I fixated on was my dad losing his job. It was probably a bigger deal than Beloved losing his job, because at the time I was fixated, my mom didn't work outside the home. Sometimes I worried about it alone at night, in my bed. I don't know if the little angel has been doing that. I don't ask her, because I don't want to plant the fear if it's not already there. She hasn't had unexplained stomachaches or trouble sleeping or showed any other signs of kid anxiety, so I've tried to be very breezy about money in front of her.

My girl knows the reason we haven't been going out to eat or buying anything but the bare necessities these past few months: because we were waiting for Daddy's new job. She knew we had enough to be safe but not enough for the bubble gum every time we went to the grocery store. She accepted the cancellation of the full-on pumpkin party in October and the homemade birthday gifts for her friends during the fall. She asked when we could have a party again, and we told her after Daddy got his new job. That was pretty much the answer to everything. We reassured her she would still have a nice Christmas, that we would get each other smaller things so she could have a nice Christmas. And she did, mostly thanks to grandparents and my sister, who pulled serious weight this holiday, and for which I thank them.

I'm trying to unclench.

My restricting anxiety has been operating on all gaskets since September, and I haven't been able to resist tracking every penny we've spent on a daily basis. My sister asks why I would do that to myself, but it's comforting to me in the way counting calories in the margins of my high school notebooks was comforting. I know that once the income streams open back up, I need to stop that. I need to go back to being careful but not obsessive. I need to look once every two weeks, not every day.

The anxiety wants to keep restricting and pay off every single credit card as soon as possible so if something like this happens again, we'll at least have credit. Thanks to Beloved's work expenses and our own years of recession backpedaling, we had more on the cards than I could let myself think about and there wasn't much room to move. I'm glad that in three months, the only thing we put on there was my flight to ALA Midwinter after a friend offered to let me stay with her if I wanted to go to learn about librarians in relation to THE OBVIOUS GAME. But we paid the minimums for the first time in our entire marriage for three months, and it made me absolutely insane to not see that amount go down more.

We will pay off the cards in a realistic timeframe. We talked about it on New Year's Eve over dinner. We've learned our lesson. But just as I went on and on about my wishes to be debt-free, my husband told me as nicely as humanly possible that my clothes are all threadbare and my once-beloved J. Jill sweater looks like "matted felt."

It's true. Even when things are good, I am not good at spending money on clothes, and eventually I look down and realize the t-shirt I'm wearing is older than my daughter and is of an unknowable color. He said it really nicely: "Honey, you're prettier than you're dressing. You should buy yourself some new clothes." Of course, as with any painful truth, it was a little hard to hear, but your lover should be able to be honest with you about such things. I heard the love in what he was saying. Not "you look like a slob," but "you're only 38 and you should get some v-necks."

The answer with spending, as with eating, is somewhere between greed and starvation. I refuse to charge anything that doesn't absolutely have to be charged. I want us to be throwing piles of money at those credit cards, and we will throw the piles in as reasonable a manner as possible once we are back to normal, income-wise.

But I have to go to Target tonight, because I threw away all but three pair of underwear yesterday.

Things are going to get better now, and for my mental health, I need to stop counting things.

crossposted from BlogHer

I stared at the phone in my hand. My sister had texted me two words: MIDLIFE CRISIS. Because I sent her a pic of a convertible I saw while driving home with my seven-year-old daughter. But I bought one, anyway.

A Brief History of Responsible Automobiles

My parents always bought cars with cash. I don't know if they still do, but when we were growing up there were never debts like car payments floating around. Never. I was fortunate enough to drive not one but two used manual-shift Chevy Novas during high school, and when I went off to college, my parents surprised me with a used but still I thought white-hot burgandy Ford Probe. Its doors were tank-like, and it had those headlights that flip up and the seatbelts that move over you instead of you having to buckle them. (If you're under the age of 30, you probably have no idea such a thing used to exist. It did, and it was so awesomely Star Wars I can't even begin to describe it.)

I kept Peg the Probe from 1992 until 1998, when she sadly began a rapid deterioration into Things Were Falling Off Every Day. My father let me buy his car, Priscilla the Prizm, off him for $4,000. At the time, I had this sort of money in my savings account (the young, houseless and childless can be rich) and off I went to move to Kansas City in Priscilla.

In 2005, Priscilla and I were T-boned on a busy street by a SUV that was much bigger than we were. I was pretty distraught, because her axle was bent and JUST LIKE THAT I went from having no car payment to needing a car, stat. By this time, I was married and my husband and I had replaced his Ford Escort with a Ford Explorer, which we owned outright. We liked the Explorer so much we decided to get another one, because the one we had seemed like it would die soon, and then when that car died, we'd just replace it with something more Prizm-like. It made total and complete sense to us at the time -- gas was cheap, we had a baby and a ton of baby stuff and we made road trips up to Iowa at least once a month with all our junk in tow.

In 2008, gas prices did that thing. You remember that thing? When none of us could afford to go farther than two feet? And my husband and I owned two -- not one but TWO -- gas-sucking SUVs. We were spending $150 a week on gas. Ifreaked out and demanded we right our wrong immediately, but when we went to buy a Corolla, the used ones didn't exist. No one was letting go of a small, fuel-efficient car. So we ended up with another car payment and a very sensible, new, very basic Corolla.

Which then got hit by a tornado.

This is what it looks like when the universe is trying to tell you something.

My husband travels a lot for work and has a rental car. We still had the Explorer -- yes, the original one we thought would die. It has 190,000 miles on it, the front passenger door won't open from the outside, the air conditioning no longer works, it's rusting and the leather seats are stained and ripped. But it still runs, so we had lots of time to think about what to do.

Then, last weekend, my daughter and I were driving home when I passed a for-sale sign on a ramshackle midnight-blue Ford Mustang convertible. I stepped on the brakes and whipped the Explorer around. My daughter's eyes widened as I pulled over on the side of the road and called the number soaped across the windshield. Then we drove straight home, grabbed my husband out of the driveway and drove him to see it.

He was understandably flummoxed by my move. Me, who made him return the convertible he rented last year at BlogHer '11 because it was too impractical for all our luggage. Me, who made him give up his beloved, tricked-out Explorer for a teeny tiny Corolla. Me, who once pinned a Debt-o-Meter to the refrigerator to remind us daily of our credit card sins. What the hell was I thinking?

When Someone Almost Dies, You See Things Differently

I was thinking that we were lucky we only lost our car in that tornado. I was thinking I didn't want another car payment, and every sensible, responsible car he was showing me would mean another two- or three-year loan. I was thinking we made so many car-buying decisions in the past based on what the smart, right thing to do was in the case of any emergency, and then along came a tornado to blow up all our best-laid plans.

I was thinking about how we'd already gone through the carseat years.

I was thinking about how many years I have left to have adventures with my daughter.

I was thinking about how much time you end up spending in a car on the weekends getting your responsible adult errands done. And how much time you spend putting off little things that would be fun and not really hurt anyone even if they are a tish off the beaten path.

And I was thinking about my anxiety, and how I always try to plan for every single thing that could possibly happen, and how the older I get the more I realize I can't do anything but pray hard and row for shore. I told my husband all of this on Sunday night.

On Monday morning, he sent me a listing for a 1997 Chrysler Sebring with 71,000 miles on it that we could buy with the Corolla insurance payout, straight-up. No car payment. And the air conditioning works great.

We named her "Vicki."

Hi y'all -- I know, three posts in one day! But I want to send out this poll and it has to live somewhere, so here it is! I'm working on a post about electronics depreciation and would love to know how you think about gadgets and money. I myself am a wait-until-it-has-dropped-at-least-$100-and-then-try-to-buy-it-with-gift-cards stingy-ass person. How about you?

http://www.zoomerang.com/Survey/Poll/Embed/WEB22EGZ87C38S?e=tOnline Surveys - Zoomerang.com

Today is Beloved's birthday. And today a crew of twenty or so men showed up at our house at seven in the morning to begin replacing our roof.

The roof is wood shake, which is the worst kind of roof ever. It's expensive, it's flammable and it rots. Ours is crumbling to bits and got slammed by the hail earlier this summer to the point that we were getting water stains on the ceilings. The first insurance inspector who came said it wasn't bad enough to replace. Beloved was livid, so was the roofer, a readjustment was arranged, and lo and behold, the second adjustor agreed: New roof! Paid for by the insurance company!

I've been in a half stage of shock since Beloved told me we were getting a new roof. We've been through a lot of money and broken house issues in our ten years of home ownership, and really, I've stopped expecting insurance companies to replace anything. I'm all GET OFF MY LAWN about it in a way I never thought I'd grow -- so jaded, just like my father when he talks about parking in Omaha. I'd accepted when the sweating man huffed his way up my stairs and examined the water stains located right above my winter sweaters (is there anything so vulnerability producing as having a stranger perspiring all over your wardrobe?) that we were screwed, there would be no insurance money and we'd probably have to take out some sort of horrific loan we don't qualify for or have buckets in every bedroom to catch the water when it rained. This is my best talent: catastrophizing. I don't even stop for the mid-level crises; I go straight to the bone splitters.

The longer we've been together, the more I've ostriched about money and house-related problems. After a while, I -- feminist still -- relinqueshed the checkbook and all the balancing and math that goes with it -- to Beloved. Every time I see him sit down with a stack of bills I half-heartedly offer to help and pray he says no, which he always does, whether he wants to or not (I'll never know). When I see those numbers fluctuate, I am suddenly incapable of seeing the big picture and become positive we will be living in a van down by the river in forty days. I don't know why. I just do.

Beloved taking over the checkbook and bill balancing put a roof over my head, a layer between me and the harsh outside world. I'm fine with shouldering all things parenting, with scheduling haircuts and dentist appointments for my daughter, with knowing her shoe size at all times and exactly how many minutes it takes to pick her up from wherever, where all her friends live and with whom she's allowed to go past the end of the cul-de-sac. I can be a big girl about my career and my health and my extended family. But that one thing for which I really do need a roof is money.

I'm sitting here listening to those twenty men ripping the house apart -- literally -- and trying not to think of them punching a hole in something or falling off and landing on the cement or dying of heatstroke or smashing my tomato plants. Beloved told me to go work at Panera or the library today because it would be so loud. I'm sure he understood that I wouldn't leave because I have a sick need to think it'll all be all right as long as I'm here while it's happening. But the truth is I wouldn't know what to do if something went wrong.

There are things in life that I know how to handle and things he knows how to handle, and I hope that I am his roof sometimes. My family always told me to marry someone I secretly think is better than I am, and I did.

Happy birthday, Beloved. Thank you for being my roof.

---

From my BlogHer Book Club review of The Kid: Read, then, so we will make better choices than the characters in The Kid. That we will pause and consider what a person might have been through before we judge. That we, at least, will not see the world in black and white, because it is never, ever black and white -- which is the message I took away from The Kid, a story in which the main character never really even knew his name, never knew if he was crazy or sane, never knew who his father was, never knew who was related to him, never knew anything for sure except that pancakes tasted good and dancing was a release and that he could teach himself to do the splits with practice and discipline. Read the rest.

Despite the fact that I didn't have time to do it, I met a long-lost friend for a chat today.

I was twenty minutes late because my GPS took me to a house seven miles from the coffeeshop.

I burst through the door, beyond stressed, to see her cheerfully sitting there waiting, looking as chill and summery as a blossom.

We ended up talking for about an hour, and as our conversation wore on, I felt my pulse slowing from the being-late thing and the never-enough-time thing and enjoying the breeze and the sunshine and thinking how wise this friend was with all she had learned over the past year.

We talked about our ex-mutual workplace and the trade-off between time and money. Sometimes money equals time and sometimes time equals money and sometimes, though very rarely, they have nothing to do with each other.

While I still very much like money, I like it mostly because it means I can pay someone else to do the stuff I don't want to do so I have more time. It all keeps going back to time. I want time. I crave time. There seems to be no time. How does that happen? I looked recently at how I spent my day and tried to figure out what I did that was unnecessary. I came up with watering the flowers. Of course, if I stopped, they would die, but then I have to figure out how much I value the flowers -- which I think is a lot, because they bring me happiness and a sense of accomplishment.

So really, not that much is unnecessary.

So I'm starting to think time is the new money. What do you think? Which is more valuable to you right now?

Is this because I'm getting close to forty?