Small changes, big concept shifts
May. 27th, 2014 10:07 amOver 8 months since we went to cell phone only, M and I still knee-jerk try to check the non-existant answering machine. Not finding it, or having that moment of realization adds a surreal tinge to a life that has gotten very surreal as the changes I've made over the last few years reach critical mass.
Another tiny but incredibly major change was taking M's suggestion in the kitchen. To my great annoyance, most magazine articles on "how to handle a tiny kitchen" involve knocking out walls. That was NOT HAPPENING, even in a kitchen so small that the fridge cuts off a quarter of the room. (You can see it in the kitchen photos - all the way to the right, cutting off access to the back half of the counter and reducing how far a drawer and cabinet can open.) I thought that there was nothing to do about it - to move the fridge to the other side would involve shutting off and removing the baseboard heaters, which was a job more drastic than I chose to tackle.
And then M said "What if we stick it in the door?"
There's a doorway from the kitchen to the now-library, was dining room. (Off the coffee table in front of the TV, to answer what everyone asks at this point.) We shoved the fridge over to see if we could live with the block and you would not BELIEVE how much it opens up the kitchen! Suddenly there's space galore - and room for another big bookshelf in the library to cover the doorway from the other side. Win-win, and without one single structural change!
As I adjust to these changes, I'm equally adjusting to a life without credit card debt... and, like checking the answering machine, finding old habits and mindsets very hard to break. My AmEx came in with a 4-figure owed number and I spent far too much time flipping and freaking about how I could have done that and what do I do now until I went through it line by line and discovered that the big ticket item was something I had saved for. Specifically. All that freaking out and flailing and the answer was "Take the money budgeted for this out of savings, put it in checking, and pay the bill." The rest of it was all standard stuff (I use AmEx to buy gas and occasionally groceries, that kind of thing.)
Same thing with the Little VISA. It's tied to a separate account that now has a cushion that not remotely coincidentally is the spending limit on said VISA. A set amount of each paycheck goes to that account, so there is essentially a built-in budget for the grins and giggles card. I don't remember the big ticket item off the top of my head, but I remember thinking hard about before pulling out the card and telling myself "You will go into the cushion. You have to put this away after this until the end of June to let the cushion build back up." After the flipout with AmEx I called to find out what I owed on the Little VISA.
Another 4 figures.
Another freakout.
A frantic set of calculations - I have x much over the cushion right now, and y much will be deposited with the last check this month, leaving z to come out of the cushion, which will be repaid... mid June.
Exactly as planned.
I'm not used to this.
Another tiny but incredibly major change was taking M's suggestion in the kitchen. To my great annoyance, most magazine articles on "how to handle a tiny kitchen" involve knocking out walls. That was NOT HAPPENING, even in a kitchen so small that the fridge cuts off a quarter of the room. (You can see it in the kitchen photos - all the way to the right, cutting off access to the back half of the counter and reducing how far a drawer and cabinet can open.) I thought that there was nothing to do about it - to move the fridge to the other side would involve shutting off and removing the baseboard heaters, which was a job more drastic than I chose to tackle.
And then M said "What if we stick it in the door?"
There's a doorway from the kitchen to the now-library, was dining room. (Off the coffee table in front of the TV, to answer what everyone asks at this point.) We shoved the fridge over to see if we could live with the block and you would not BELIEVE how much it opens up the kitchen! Suddenly there's space galore - and room for another big bookshelf in the library to cover the doorway from the other side. Win-win, and without one single structural change!
As I adjust to these changes, I'm equally adjusting to a life without credit card debt... and, like checking the answering machine, finding old habits and mindsets very hard to break. My AmEx came in with a 4-figure owed number and I spent far too much time flipping and freaking about how I could have done that and what do I do now until I went through it line by line and discovered that the big ticket item was something I had saved for. Specifically. All that freaking out and flailing and the answer was "Take the money budgeted for this out of savings, put it in checking, and pay the bill." The rest of it was all standard stuff (I use AmEx to buy gas and occasionally groceries, that kind of thing.)
Same thing with the Little VISA. It's tied to a separate account that now has a cushion that not remotely coincidentally is the spending limit on said VISA. A set amount of each paycheck goes to that account, so there is essentially a built-in budget for the grins and giggles card. I don't remember the big ticket item off the top of my head, but I remember thinking hard about before pulling out the card and telling myself "You will go into the cushion. You have to put this away after this until the end of June to let the cushion build back up." After the flipout with AmEx I called to find out what I owed on the Little VISA.
Another 4 figures.
Another freakout.
A frantic set of calculations - I have x much over the cushion right now, and y much will be deposited with the last check this month, leaving z to come out of the cushion, which will be repaid... mid June.
Exactly as planned.
I'm not used to this.