But I’m tired and out of ideas for posts. Meanwhile, I’ve submitted my pay invoice, and the credit card statement has already been finalized. So I think we can safely look at the most probably outcome of this financial cycle.
The bad news
The fixes to the wall are taking a bite out of savings. We’re going to have little to nothing left over at the end of the month. We had a couple of $100+ unusual expenses. Including $150 for yard work thanks to another stupid yard notice from the city.
I swear, I’m going to start leaflet-ing the neighborhood with, “Gee, I’m sorry you don’t like the state of our lawn, but we’re four people with chronic illnesses — two of whom are severe depressives and one of whom has been recently suicidal. So forgive us if unsightly weeds just don’t register as a priority. And none of you on this street are selling your houses anyway, which means we’re in no way affecting your bottom line. So just get the hell over it, and stop lodging complaints with the city!”
Anyhoo. Point being, that ate up most of the cushion I leave us each month. If we’re lucky, we’ll have $200-400 in the bank; but we ain’t exactly been lucky lately.
So assuming a practically $0 bank balance once my check is in the bank, we’ll have to take a little over $1300 out of savings. Ouch.
The good news
I was able to put $155.15 of saved savings and about $125 in AdSense into it this month. It doesn’t exactly balance out the inevitable withdrawal, but it’s certainly nice.
This means that at the end of the month we’ll have a little under $13,700 in savings. Meanwhile the denture guy’s estimate was $13,290, which would be cutting it awfully close.
But here’s where the good news part comes in: I forgot that we already paid part of the bill. Tim paid $890 before his oral surgery so that various scans could be done and guides could be created. And no, I have no idea what that means, exactly. But the point is that we paid it.
Which means the actual charges will be $12,400. Aka $1,200 less than what we currently have in savings. Yippee!
Of course, plenty of things could come along in the next month or so and cut into that cushion. Our car insurance premium rose a bit this year, so the $92 a month we’ve been saving won’t quite cut it. We’ll be about $200 shy. Depending on what other expenses rear up and go on the card, we might have to take some of that out of savings.
But I greatly doubt it’ll be $1,300 worth (she said, jinxing herself). Which means this whole dental implant debacle won’t leave us at $0.
In fact, I just noticed that Amazon payments for my book came in. (I’m officially at a modest profit!) Those plus one more month of saved savings will mean another $300 in the account, putting us at just under $1,500. Hooray!
This news will be especially welcome for Tim. I told him I didn’t want to get a dog until our savings account was at least $1,000 post-dentures.
I’ve told him the next step is to start dog-proofing the house.
That got started on Sunday with cleaning out the office. We want to put all of Tim’s graphic novels and collectibles in there to prevent them from inadvertently becoming chew toys.
That took hours, since it’d accumulated a near-frightening amount of crap. But now there’s a lot more, well, room in the room. Yesterday we transferred one of the bookcases in there. Today or tomorrow we’ll do the second one. Then comes the more difficult task of walking the display case back there.
The next step will be finding a media stand with doors to keep expensive electronics away from prying noses/mouths. (Yes, the dog will probably be old enough to be past the chewing stage. But why chance it?) Then of course, we have to put it together and organize all the cords. Of which there are many, and they’re all tangled.
We also need to mount the bedroom TV onto the wall; or, at the very least, take it out until we’re ready to mount it. I’d prefer the former because things don’t tend to get done around here. (I finally put up curtains in the office on Saturday, a mere four and a half years after we moved in).
Otherwise, it’s a matter of clearing off the coffee table and keeping it cleared off, stopping leaving the laptop on the floor at night and keep our shoes in the closet.
I know it seems like a weird time to get a dog, with Tim still dealing with so much. But I think a dog will actually help. Patches does a decent job of soothing him, but she’s sometimes begrudging — and she hightails it for the bathroom when there’s even a hint of bad weather. He then gets agitated the longer she’s in there.
The park is next door, so he can take the dog for a series of short walks while he builds up his stamina. (He’s currently able to walk about half a mile without setting himself back. We haven’t tested anything more than that.) Depending on the age/size of the dog, he may also dust off the roller blades and let the pup pull him along, thereby tiring it out faster.
How was your July financial picture? Any other dog-preparation we should worry about?