rebeccmeister: (Default)
[personal profile] rebeccmeister
This afternoon, while I was trying to put lunch on the dining room table, Emma tried to jump up on the table right on top of a small, decorative ceramic tray that dates from my very early ceramic attempts. In spite of my best efforts, she pulled it down on top of herself and a corner broke off as it hit the floor.

We've had a lot of ceramics break in the last couple of months - an accumulation of small accidents. I can't say that I enjoy using epoxy, or that I'm pleased with the results when I do use it.

Trying to budget for holiday travel plus for a major bike purchase has me stressed out about money and a bit sad. Now that I think about it, the last time I tried to move away from Arizona I was also facing a financial deficit. In that context, my current circumstances don't seem quite so bad, as in this case I have at least been able to rely on my own savings, carefully hoarded. Plus I have the memory that it takes multiple months to recover from a long-distance move, so in theory I can remind myself that this is just a transient stage.

It's just hard to be in an imbalanced financial state for an extended period - makes me question grocery-shopping decisions and such. Holiday travel induces multiple kinds of stresses because I also have to think about what I'm going to do for animal care while I'm away. No matter how I shake it I'll have to pay someone fairly well to tend to the plant and animal collection.

What kinds of things do you find to be helpful when facing stress over finances?

And on that note, back to work grading papers.

Date: 2018-11-04 04:56 pm (UTC)
randomdreams: riding up mini slickrock (Default)
From: [personal profile] randomdreams
Can I look for bikes locally for you? This area's resale market is absolutely vile for sellers, but fantastic for buyers. (It's financially profitable to drive from SF to Denver, buy used bikes, and drive them back for resale in SF: I know people who do this.)

Date: 2018-11-04 10:13 pm (UTC)
myka: (Default)
From: [personal profile] myka
I hope some people respond to your question, because I'm interested in what they have to say. Unfortunately I don't have any wisdom to offer here.

Date: 2018-11-05 09:39 am (UTC)
ivy: Two strands of ivy against a red wall (Default)
From: [personal profile] ivy
Moving is the worst! I just got done, and I have three expensive four-figure purchases that I pretty much have to make for the new place. So I hear you and sympathize and want to validate your feelings there. (My friend told me when driving back from the seminar today that Ben Franklin had said in Poor Richard's Almanack that two moves were equivalent to one fire.) What helps me is having a clear plan about what I'm going to spend, how I'm going to do it, and how I'm going to balance my finances to eventually rebuild my savings to a tolerable level. I also enjoy planning and executing cheap joys -- tea with friends even if we're in different cities or states, with tea posted in the mail and a video call or chat client so we can all compare notes, that kind of thing. I care more about the social aspect than the money, so finding a way to be social while being frugal sets my mind at ease.

Date: 2018-11-05 05:21 pm (UTC)
From: [personal profile] rainswolf
When I'm facing stress over finances, I find it helpful to cut something (ex: I recently ended some charitable contributions and switched to cheaper car insurance) even if that's switching from a $15/month Netflix plan to $10.

Also like you said, remembering about the past and how I swung it then, and thinking to the future and what expenses will eventually decrease.

Date: 2018-11-05 05:46 pm (UTC)
From: [personal profile] annikusrex
I deal with finances stress by getting obsessive about money-oriented websites (the YNAB forums, bogleheads), transferring money I might not be sure is available into savings accounts or from savings accounts to CDs, and--this might help re moving expenses--start doing my taxes for the following year! None of this stuff is technically "dealing" with stress, but generally speaking it has helped my financial situation and it makes me associate money issues with positive feelings rather than negative ones. basically assigning utils to savings accounts. do you use YNAB or mint or anything? I use the oldschool (not-online) YNAB and it is very satisfying.

Date: 2018-11-08 05:56 pm (UTC)
From: [personal profile] annikusrex
Oh another idea is smart use of Chase credit cards. E.g., sign up temporarily for Chase Sapphire (their travel credit card). It's free for the first year (have to cancel thereafter to avoid a $95 fee) and you can usually get a good signing bonus in exchange for spending a certain amount in the first months (probably flights) that is most profitably spent on flights. If you are ending the free period and haven't spent all the points, you can get another Chase card (the basic one is Freedom) and transfer the points there. Chase also has a no-interest card for balance transfers that was useful to me when I last moved and was anticipating a big tax refund. And when you have Chase credit cards, they will offer to pay you ~$400 to transfer a banking account there (maybe you can find this offer even when you don't have accounts there). You can transfer it back to your preferred credit union after a few months. Chase has paid me at least $2000 over time but I currently only have a Freedom card that I use infrequently. I may sign up for Sapphire again if I'm planning expensive travel.


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