Lughnasa and the Harvest Moon
Saturday gratefuls: Net sheets. Robert Martin. Realtors. Hawai’i dreaming. Running the numbers. Growing up. Kep. Kate, always Kate. Selling. Mussar. Mussar Thursday group. Mussar MVP. Clarity. Sudden. Following the path as it opens before me. Taking my cues from friends and experts. And, of course, my own heart. Problems. Solutions. An Ancientrail for sure.
Sparks of Joy and Awe: Friends
Oh. My. Ran my own cash flow analysis this morning. I think that’s what it was anyhow. Gave me inner peace. Not kidding. I’ll have this much to spend by this date. This much by this date. Use the money as it comes, then goes. Pay attention. Don’t fall behind.
So glad I contacted Ruth Hayden. I asked her to remind me of things I already know. She did just that. After some hesitation I did a solid run on my expenses as they recur on a monthly and annual basis. Got solid numbers. Income is easy. Outgo is more chaotic, harder to systematize.
These three months: July, August, and September were filled with expenses. A trip to Hawai’i. A new hot water heater. My premium for my Long Term Care insurance. Plus what would have broken the bank, that trip to Durango, if my buddy Tom hadn’t stepped in to help.
I saw it all coming. That was the good part. But how to untangle it, find the right tools to manage it, and insure it doesn’t happen again? That was the hard part. Pretty sure I got it. Not so hard, but numbers and dates have to be paid attention to. Having the money available after a big bill comes due doesn’t cut it. It has to be available on time.
Figured my own process that I believe will work. Up till now I counted on money being there. At the right time. Oops. Like for example when a six week old check hit my account and put me into overdraft territory. Or, when I looked out to September and couldn’t find enough cash available to pay that insurance premium. Not good.
Decided to take it as motivation to finally wrassle this gator to the ground.
Realized just now that all this falls under a more generic habit I’ve worked at hard at folding into my life. Stop anxiety producing things before they start. Gonna die? Yes. OK. Deal with it, recognize it. Own it. Gonna move to Hawai’i? Do the tasks necessary to make it there. Need to eat? Shop. Or, go to a restaurant. Need reassurance or input? Go to friends and family. Have prostate cancer? Stay on top of it, but let it be. Those sort of things.
Robert Martin’s numbers and Alice Carmody’s are almost the same. Still waiting on Linda. Her SO died two weeks ago and the funeral was Wednesday. Giving her extra time. The numbers from Robert and Alice, using comps in a low part of the real estate market, put me with a solid net between $500,000 and $600,000. That’s what I need and the February market should improve those numbers a bit.
Based all of this on the Zillow estimate, but didn’t know till the end of this work week whether it was accurate. It was. Sort of a shoot, fire, aim situation. I sought the information on the hope it was out there. It was.
Lots of balls still to juggle, but I’m having fun with this so far. I’d have had a lot more fun if it wasn’t for that damned Covid. My 02 sats have begun to fall a bit, too. No good, but I’m not worried. O2 concentrators here. Sea level in March.
Yes, there’s the possibility of bony mets in my spine. Yes, there’s the possibility of some respiratory hooha, but I’ll manage them if and when they come. Do what’s necessary.
Live until I die. That’s my prime objective.