Showing posts with label Money. Show all posts
Showing posts with label Money. Show all posts

Friday, June 1, 2012

I've been slain by an aluminum bullet.

Just imagine tooling down the highway, the whole family is singing On the Road Again in chorus together, and tagging along behind is that shiny aluminum bullet of Americana – an Airstream camper.  It is something we’ve dreamed of since the success of our first tent camping trip.  It was wildly successful, despite long nights of thunderstorms, foul pit toilets, and inescapable mosquito clouds that threatened to carry our babies away.   If we can have that much fun on the meager sleep and damp accommodations a vinyl tent can provide, imagine the possibilities with the relative comfort and ease afforded by a classic, beautiful camper, with its on-board facilities, functional kitchenette, and enormous shade awning.  Take a moment and dream with me…

Of all things, an Airstream turned up last week, parked along the highway with a “For Sale” sign.  After driving by for a week and averting our eyes, my husband and I both came clean the same day that we’d had our eye on that most beautiful incarnation of outdoor accommodations.  We pulled up next to it and found out that it was actually being offered at the kind of humble price we could consider.  We took my dad by, a guy with plenty of experience buying campers, and he didn’t find anything to stop us, not from the outside anyway.  We made another visit to our Landyacht when someone was actually there to let us in, and it was exactly what we expected inside – outdated, but clean and usable.  No odors, no water damage, all the windows opened and closed, the owner says all the systems operate: an incredibly functional camper for an incredibly accessible price.
This is a little bigger, but similar.

So we’ve spent the last two days mulling it over.  The first, biggest, and most absurd con: we don’t have a truck.  The camper would have to sit on our property as a children’s playhouse until our Caravan dies and warrants a new vehicle purchase (this could happen soon, but how soon is an unknown).  The other cons are less absurd, but important non-the-less.  In the last eighteen months, we have had a baby, bought a hobby farm, sold a house, traded a convertible in on a minivan, and bought a tractor – oh, and I’ve quit my job.  In the next six, we still hope to build a chicken coup, get chickens, build a lean-to, and add at least one grass-eating livestock to our family – oh, and finally get the basement boxes unpacked.  In addition to all that, we’re seriously, seriously considering a kitchen remodel.  Every time I can’t open the door of the fridge far enough, because it’s crowded up against a wall, or I have to run the dishwasher twice in one day, because the “Spacesaver” under-sink model has only half an upper rack, I’m reminded of the need to put all our spare pennies in the kitchen fund.

If we don’t buy the camper, I know, with some certainty, that the day will come when we will look at each other and say, “Man, if only we’d bought that camper.”  If we buy the camper, I know, with some certainty, that my kitchen is going to stay in its current state for another year.  Of course, that may happen anyway – we have a chicken coop to build after all.  But knowing that only makes it harder to pass on my Airstream dreams.  Self denial stinks.  Really really.

a time to search and a time to give up  Ecclesiastes 3:6

Friday, April 13, 2012

I'm reluctantly sentimental about a tractor.

It was my biggest concern when we considered moving to the hobby farm: the pasture.  In addition to the 2-3 acres of lawn mowing, owning this place was going to mean cutting down another 3 acres or so of pasture as many as half a dozen times every summer.  The seller had been using an antique tractor with a 60” Brush Hog to get the job done.  My husband reasoned, whenever I questioned him, that if a 90 year old could keep it up, all by himself, certainly we could together.

We got the tractor worked into the deal, and it sat under a beautiful, giant oak tree, snuggled under a tarp, all winter.  The image on the fender of a heroic eagle with a flaming pitchfork evoked the era of its manufacture, and reminded us that, with its revolutionary 3-point hitch, this machine had once been the essential workhorse of any Midwestern farm.  The seller had given us a briefing back in October and we had each taken a practice lap around the field.  Yet looking out at that tractor all winter, I couldn’t help but feel anxiety about the pasture.  Would my husband enjoy driving the old beast?  Would he want to come home from a 40-50 hour workweek and spend his free time dragging a Brush Hog around the property in the blazing sun?  Would the noise, the dirt, the grease, and the smells bring him the joy of rural life or the burden of it?  I already knew from my own childhood that mowing an acreage was not my favorite summer pastime, but I hoped he might like it.

On the flip side, even as I considered the possibility we might want to trade our working museum piece in for a modern, wide-bladed mower, I couldn’t help hoping that old tool would become the centerpiece of a new way of life for us.  It might pull a wagon around for hayrides.  It might run a tiller for the enormous garden.  It might drag tree trunks to the woodpile.  I imagined all the possibilities its heroic eagle evoked, and knew this machine was so much more versatile than any modern mower would be.  Who knows, maybe even I might find myself enjoying the work, when it was on my own property?
Getting her ready
for the maiden voyage.
Last week the grass was tall enough; it was time to move from anxious hope to reality.  Sure enough, the old engine started easily, and after airing up the tires and checking the oil, we fired up the brush hog.  My husband quickly found himself at ease at the controls, and mowed down the first section of pasture in short order.  With a big grin on his face, he crossed the creek and began to mow the front section, finding himself completely confident going up and down the hills and around the trees.  Our vision was actually coming true!  I was elated, and I am pretty sure he was, too.  Our stress melted away and jubilation replaced it.

Who smiles when they're mowing?  That's my husband.  Living the dream.
He waved as I passed him on my way out to pick up a kid and our grins matched.  It was, however, a different story, ten short minutes later, when I got back.  The tractor was backed into a brush pile at the edge of the creek, and my husband was leaning over to one side and the other, fidgeting with the controls.  He eventually came in to report that something in the drive had snapped, and the tractor had freewheeled, backward, down the hill.  Because the breaks only nominally work, it was only my husband’s lightning reflexes that had allowed him to steer the thing into a cushion of brush, instead of coming to a hard, possibly limb-threatening, stop by hitting a tree or landing in the creek.

Now, aside from praising the Lord for my husband’s safe landing, we’re back to square one.  While a clutch assembly is a mere $150, installing it requires splitting the whole machine in half then putting it back together.  My dad did that once to his old Case when I was a kid – he winched the front end up to a tree to do it.  We’re not so mechanically adventurous as my dad.  Plus, the thing is disabled, on the far side of the pasture, on the wrong side of the creek.  We may have to rent another tractor, just to drag it out of there!
Check out that emblem on the fender.  Awesome.
All logic tells me that investing in a newer model mower with the widest cutting deck we can afford is our best option, but the sweetness of nostalgia for the old ways, for the possibilities, and the ambition wrought by the image of a pitchfork wielding eagle make it hard to give up on our old 9N.

Remember the days of old; consider the generations long past. Ask your father and he will tell you.  Deuteronomy 32:7


Friday, March 30, 2012

$2 is too rich for my blood.

Apparently I’m not the only one who thinks PowerBall blew it by doubling their ticket price.  They made the move because they wanted higher jackpots to set them apart from the other lottery games, but they drove their customers to Mega-Millions, and now it’s Mega-Millions that is all over the media with a half billion dollar jackpot.  Why would you pay $2 to lose at a game that you can lose at for $1?  Whether it costs $1 or $2, I am ambivalent to the lottery.

On the one hand, it is definitely a poor tax in my mind.  People who can least afford to play are the ones who spend the most.  Legislators spend all kinds of time debating our tax code, trying to determine how to fairly distribute the load, and many people argue tirelessly that the burden needs to be lifted off of struggling families, but those same families go out and spend an average of $500 a year on lottery tickets (according to this morning’s news), leading our government to pay for schools and roads by institutionalizing gambling, instead of taxing wealth.

On the other hand, who doesn’t want in?  I’m not spending my dollar because I think I’ll win.  I’m spending it, because if they’re giving away millions of dollars, I at least want my name in the pot.  I’m like my daughter, who puts $1 into the Crane Machine at the arcade every time we go.  We know that we are wasting our money.  We know that we have better chances of contracting Mad Cow Disease from a panda, than actually winning.  But if someone’s going to walk away with a stuffed Scooby Doo the size of a yak, for $1, we want our shot.

If everyone approached the lottery with that mentality, I probably wouldn’t loath it the way I do.  Yes, I buy a ticket now and then.  I will even buy a ticket when the pot is only $20 million.  Maybe I couldn’t pay off my house, send my kids to college, visit the Great Barrier Reef, and help plant a church with that, but…wait…yes, I could do all that with even the smallest jackpot.  So I throw my name in the hat for the price of a pack of gum.  But despite playing, I still loath the way it tempts us.  I hate that people buy lottery tickets instead of milk for their kids.  I despise that it reinforces the American cultural aspiration that we are all going to somehow get rich quick; an aspiration that fuels our drive to climb on each others’ heads to get what we want.  An aspiration that more often than not makes people poor, instead of rich.

Let’s face it.  The house always wins.

you abuse the poor and demand heavy taxes from them. Amos 5:11

Friday, January 27, 2012

I'm itching for a road trip.

Between the baby, the move, and financially preparing for me to quit my job, family vacationing has been off the table for the last couple years.  Granted, and my husband would be quick to point it out, we did travel with the kids each of the last two summers, to Arizona and to Wyoming, but both times it was on short notice for a memorial service.  We tried to make the most of the time off and family togetherness, but, in my mind, it really doesn’t qualify as a true “family vacation.”  We have thoroughly enjoyed a few weekend visits to neighboring cities, and I wouldn’t complain about Minneapolis, Chicago, or the Wisconsin Dells, but, again, these short, fun weekend trips were really more “getaways” than “vacations.”

Mostly, those occasions served to remind me how awesome it is to hit the open road with the whole family in tow.  I love those long carefree days of seeing new things together, listening to old school music on the radio, eating deviled ham sandwiches for lunch, and taking turns watching Star Wars movies in the back seat with the kids.  There’re KOA campgrounds calling my name, World’s Biggest Balls of stuff to be photographed and explored.  There’s national history to be learned in person, hotel pools to be cannonballed into, mountain paths to be hiked, and, I hope with all my heart, an ocean to be splashed in.  I don’t care whether we go east, west, or south; I just have that deep hankering to go.

It’s not entirely reasonable.  The baby’s still small.  The house isn’t unpacked or organized.  The summer is still months off.  It always costs more than you budget, someone inevitably spills, craps, or vomits in the back of the van.  At some point, your will to rough it breaks down and you spring for a two-room suite that gives you a locking door between yourselves and the kids.  Yes, I know all the limitations.  But the heart wants what the heart wants.  I long for a 2-4000 mile, 14-20 day adventure, together with my favorite people.  I think it’s road trips that make us American; it’s our patriotic duty to explore this vast and beautiful nation.  Are you buying this?  Because I really want to go.

You brought us here and gave us this land rich with milk and honey. Deuteronomy 26:9

Friday, January 13, 2012

I felt guilty about the MP3 player.

My husband and I felt a huge wave of emotion when the girls opened their MP3 players this Christmas.  They were not the coveted iPod touches they had begged for since last Christmas.  Instead, they were affordable knock-offs that came in bright, personalized colors.  As we steeled ourselves for their disappointment, they floored us instead with their enthusiasm.  As they tore open the paper simultaneously and read the packaging, my oldest girl’s voice grew in volume and intensity as she saw and read aloud the all important phrase, “TOUCH SCREEN.”  We got the video camera out as quickly as possible to capture their unanticipated elation, but, as hilarious as it was, it still didn’t capture the overwhelming ecstasy of their first reaction.  We felt like Oprah on one of her Favorite Things episodes.

We outlined the attributes and limitations of the devices, because we did not want to mislead them about the reality that they were not iPods, but they were not disappointed in the least.  They, instead, were thrilled.  They immediately began snapping pictures and recording video.  They plugged in their ear buds to check out the music we had loaded for them, and our middle daughter took delight in looking through the library of photos we’d transferred for her.  They were the exact opposite of the kids in Jimmy Kimmel’s “I gave my kids a crappy present” montage.  My husband and I, with tears in our eyes, gave congratulatory glances to one another across the room.  Mission accomplished: an awesome Christmas gift that didn’t break the budget.  It felt like a real family accomplishment: our mad gift giving skills, the kids’ great and grateful attitudes; it all came together.
One of the great selling points (that we didn’t end up needing to sell, but still told them) was that these devices were affordable enough that the kids could be trusted with them.  Unlike high end devices, they could take their MiPods with them wherever they wanted.  This would be a test of their ability to be responsible with their own electronics.
Flash forward less than a week later.  My older daughter had her treasured touchscreen in the pocket of her hoodie, which she had slung across the couch cushion while we watched football.  I was crawling back to my accustomed spot in the back corner of the sectional, and proved that the weight of my body on top of my bony right knee was more than a knock-off touch screen MP3 player could handle.  At first, I didn’t comprehend her look of utter dismay, as she dug in the pockets of her jacket.  But when she pulled out the cracked device, and began to cry into my lap, it was all I could do to control my own emotions.  I tried to be parental and reproach her leaving something she valued so much in such a thoughtless place.  I reminded her that we had expressly told them of their responsibility to take care of the devices, and that putting them where they could be stepped or sat on was an explicit violation of that responsibility.  Through her tears, she determined to spend her own money to replace the defunct device, then continued to cry in my lap for another twenty minutes or so.  It was torture to sit by and let her mourn.
What my daughter doesn’t know is that after everyone was tucked in that night, I cried too.  In that one moment, I had gone from Oprah to the Grinch.  I could not believe that it was me!  I was the one who had broken my kid’s favorite gift.  I know it could have been anyone; after all, she left it hidden in a pocket on the couch.  But it was me.  I had disgraced our victory.  I had turned triumph to tragedy, in the world of a ten year old I love.
The next morning, when replacing her MiPod was her first and most emphatic thought of the day, I let her off the hook and told her I would split the price, because I wanted her to know how sorry I was for being the one who broke it.  I wasn’t sure if I should have done that or not.  But now that she has her new one, I don’t think it detracted from the lesson.  Both girls are taking care to keep them in cases and tuck them away when they aren’t using them.  And I’m going to be very careful where I step or sit.
We also bought the product replacement plan on the new one.  Duh.
I did feel bad at first, but I don't now. I know that the letter hurt you for a while. Now I am happy, but not because I hurt your feelings. It is because God used your hurt feelings to make you turn back to him, and none of you were harmed by us.When God makes you feel sorry enough to turn to him and be saved, you don't have anything to feel bad about. 2 Corinthians 7:8b-10a

Friday, December 9, 2011

We’re going to disappoint our kids this Christmas.

I’ve been hearing about it for over a year.  iPods, iPods, iPods.  They vowed to save up for them.  They wanted them for their birthdays.  They wanted us to search Craigslist for cheap ones with cracked screens.  Their devotion to getting iPod touches has been almost single-minded, even usurping the role of cell phone at the top of their longings and desires.  When we got my husband an iPad, and everyone found out firsthand how flawlessly Apple technology operates, and how truly addictive Angrybirds is, it amplified their desires to a new level of intensity.

In planning our Christmas giving, we got sucked in.  We debated the merits of iPods vs. ghetto-pads; we considered Nooks and Kindles.  We weighed the potential reading minutes against the potential gaming minutes.  We considered getting them one to share, but I wasn’t interested in officiating time of possession.  We were at the cusp of making a major outlay for technology, granting our kids’ biggest wish.

Then they started bickering.  First it was over socks.  Despite the fact that each girl has a drawer that is overflowing with socks, I was charmed by the goofy Christmas socks at Dollar Tree and bought them each two pair that they could mix and match.  The next morning, they were going at each other hatefully over the stupid socks, because they couldn’t come to an agreement on who got which of the FOUR PAIRS.  Later, they raised the same ruckus over who got to wear the pink mittens, despite the bin full of available options.  Shortly into the afternoon, they were fighting over space in the minivan.  We were FOUR people, riding in a vehicle designed to seat SEVEN.

My kids already have DS’s.  They already have a portable DVD player for road trips.  They already have a room all their own.  They already have a closet full of clothes.  They have a huge collection of Barbies, of Our Generation dolls, of Galactic Heroes, of dress up gowns, etc, etc.  But over the last few weeks, every adult who cares about them, myself included, has opened at least one conversation with, “what are you going to ask for this Christmas?”  It has led my children to believe that their self-centered, materialistic desires actually matter to the overall functioning of the social order and that, somehow, Jesus came to earth, purely to occasion their own wish-fulfillment.

I am back at square one.  I want my kids to have a fun, memorable Christmas.  Like everyone else, I don’t want their gift opening to be a disappointment.  I wonder what kind of role model I’ve been for them, that they would display such repulsive behavior.  Let’s face it, I’m disappointed, too.  I want to make them happy, but I also want to be a good mom, and I’m afraid that this Christmas, I’m not going to be able to do both.  Character and gratitude last longer than electronics anyway, right?  Wish me luck.

As bad as you are, you still know how to give good gifts to your children. But your heavenly Father is even more ready to give the Holy Spirit to anyone who asks. Luke 11:13

Friday, September 30, 2011

I serve two masters

“Mom,

Mom you make my life special.  Your life is crowded with 2 kids and 1 baby and 1 pet and 1 Dad.  You might have no time to play but you love me every day.  I love you how you cook dinner and coach our church.  But you love me below and above.  I need you brush my hair.  Your husband loves you too!
Thank you for all you do!
I love you Mom.”
I got three things I really needed this morning: a cup of coffee, a nice chat with my husband, and this note from my 7 year old.  It fell out of the desk drawer, just when I needed it.  As you can see, my kids don’t sugarcoat things for me.  They know my life is “crowded.”  They probably know better than anyone that I’m pulled in more than one direction and have to constantly make compromises between what I want to be doing and what I need to be doing.  Let’s face it, everything else aside, I’d pull them out of school every single day to follow some flight of fancy and adventure.  They might never learn to read and we might have to subsist on grass and berries, but it would sure be great to spend carefree hours together, discovering every beauty the world has to offer.
Scripture says we can’t serve two masters, because we will love the one and hate the other.  Of course, this is referring to God and money.  Sometimes I struggle with the ways that truth applies to my life, though.  I’m called, at a minimum, to serve at least three: my family, the church, and the Lord.  Making it even more complicated, I’m actually getting paid to serve the church, so perhaps the church should count as two – God and money?  But I already made a distinction between serving God and serving the church.  I guess because they sometimes seem like two different masters, as well, when the challenges and expectations of church life come into tension with my ability to devote myself singly to God.
Most of the time, I find ways to keep my masters happy.  Even if I don’t have time to play, I still manage to cook some meals, brush some hair, and “coach the church.”  Other times, I find one master or another to be exceptionally demanding, and I end up having to make things up to the others later.  I had a demanding master this week, she hardly napped during the day; she insisted on eating twice every night; she refused to enjoy her Jump-a-roo when I needed to prep lessons and make meals.  A string of sleep longer than 3 hours would be an incredibly welcome luxury right now.
But my husband got the kids ready for school every morning this week and kept the baby happy so I could teach the kids and youth on Wednesday.  The big girls pitched in when I needed someone to grab me a diaper or empty the dishwasher; they were well-mannered at the doctor’s office, and didn’t complain when I made zucchini.  And neither God nor the church stuck me down for being sleep deprived and scatterbrained at work this week.  Even the teenagers, as usual, were good natured and accommodating.  Who doesn’t love masters like mine?
My daughter’s note this morning brought all those moments together for me.  It was a welcome reminder that, even though I’m struggling to keep up with my many masters, my most important calling is still being accomplished: my kids know I love them “below and above.”  And hopefully my other masters are getting that message now and again, too?
No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money. Matthew 6:24, Luke 16:13