Saturda’s Wandering Thoughts

“Easter is a week away,” my wife said. “You need to get a haircut.”

I just got one last month. Her observation annoys me. I spent twenty years in the military. Keeping your hair cut and neat was, like, an actual regulation. After being freed from military constraints, I’m not interested in being so neat and tidy when it comes to hair. I will lose this discussion, though, and cave. Being neat is extremely high on my wife’s list. She is also adept at being severe and disapproving.

“Want to hear my sister’s text?” I ask.

“Go ahead.”

I read my sister’s updates from Pittsburgh. She’s buying her daughter a new phone. Several features on her present phone are failing. Replace it before Trump’s tariffs add hundreds, she reckons. She used the same logic to replace her eight-year-old ride. She also cashed in her small 401K and put it into certificates in December because she believed Trump was going to trash the economy. She tells me about my other sister’s financial worries.

Four sisters share Mom. Two of them are extremely responsible. The other two are not exactly flighty but they seem to have many crises and make choices that cause more problems. I probably would make more choices that aren’t wise ones, but I’m married to a diligent person.

My sister also comments about how expensive everything is, and how hard it is for young people like her twenty-something daughter these days.

My conversation with my wife swirls into a new zone. “Mom should be using red-light therapy to help with her healing, injuries, and inflammation.” My wife and I both champion red-light therapy. It has helped us in numerous ways. Besides that, NASA, soccer leagues, and the NFL are all red-light therapy true believers.

My wife tells me that Jan approached her for help with another person. The other person suffers Renaud’s disease in her feet. She’s been warned that she might lose her feet if she doesn’t get treatment. The woman doesn’t like going to the doctor. Almost has a pathological fear about it.

Renaud’s has plagued my wife for years. She once showed me her finger. White as a candle, bent and misshaped, horrifying to look at. She aggressively applied red-light therapy and resolved the problem.

“I told Jan to tell her friend about red-light therapy,” my wife says. “She can at least buy a belt and try it.” Pros and cons are discussed for a few more minutes. My wife complains about friends who were told about it but haven’t tried it. She doesn’t understand their reluctance.

I text my sister to ask her if Mom has tried red-light therapy. Then I get online to make a haircut appointment.

There are some things which must be accepted and done.

Watch The Pennies

Daily writing prompt
Write about your approach to budgeting.

I was seventeen when I joined the U.S. military. I didn’t begin serving until I was 18. Frustrated with life, I wanted to see the world and find answers.

Military pay didn’t go far in 1974. $344 a month was my starting salary. Desiring to make it go further, I sought guidance as I do for everything: research. Back in those days, that meant mostly hitting the library.

Finding books on budgeting, two things were stressed: one, pay yourself first. Put money into savings. Have at least a few months worth of living expenses to fall back on in case of emergencies. I married, and my wife and I made it a goal to have and keep at least six months of expenses on hand in savings.

The other thing was to always pay off your credit card. Not doing so meant that you were losing money on the interest you were paying, and that would only get worse because it would be compounded. Part of our process was that anything put on the credit card would need to be budgeted to be paid off when the bill came in. We’ve never varied from that and always have a dialogue about was, and is, going on the credit card.

Every month, we brainstormed to list all of our expenses and listed them in a notebook. Some were fixed costs; we knew what they were. They were entered first. Next, the things which needed to be but fluctuated in price and need, depending on multiple factors. This included gasoline and haircuts. Everything was listed, added, scrutinized, prioritized. We didn’t have cable TV because that was $12 which we couldn’t afford. We went to the library, checked out books, and read.

Our final pole for budget was to be frugal shoppers. Back then we saved pennies to buy an occassional dessert. We scoured ads for sales. During that time, coupons in newspapers came out on Wednesday and Sunday. We always bought the newspaper on those days, and then went dumpster diving on the coupon sections that others threw out. Most months we saved over a hundred dollars with coupons.

Later, when IRAs began, we grit our teeth and maxed contributions out. First, IRAs were savings which would earn money and be deferred for taxes, but it was also money which we could deduct from our income tax, enabling us to get the most back in taxes which we could. Likewise, when we started working for corporations that offered a 401 K, we maxed out our contributions.

And doing taxes, of course, which I always did, and still do, I hunt for deductions.

It was tough. Although we’re much better off financially, we still adhere to many of these tenets. I keepa spreadsheet of our savings. We monitor our credit cards and bunce Now, as tariffs, cutbacks, and shortages threaten supplies lines and possible high inflation looms, my wife reminds me, “We know how to live poor. We did it before. We can do it again.”

Blog at WordPress.com.

Up ↑