500 Words, Road of Change

Chapter One conclusion

I picked up my cell phone and called Matthew to let him know.  How many people would have to be told? No tangible number popped into my head.  Matthew answered,  “It’s the Anne Archer.  How did you get my number?”

He always said the same thing when he answered my calls, referring to the actress Anne Archer. My stock response:  “Not the Anne Archer.  Just an Anne Archer.”  

“What?  Your mother hate you?  She gave you two first names.  An Anne.”  Also part of our ritual.

“Matthew, I have some very bad news.  It’s about Lillian.”

“Uh oh,”  he said to me.

“She passed on just a few moments ago.  I was… still am with her.”  I managed to say it without my voice cracking.  “The doctor said it was heart failure.”

A long pause followed.  Finally, Matt said,  “Hard to believe.  I thought the old dear was immortal.”

“As did we all.”  My voice sounded tired.

“How is Chris doing?”  Ever the older brother.

“He walked out of the hospital and went outside to smoke.”

“Stupid man.  When did he start smoking, again?”  

“About a half an hour ago.”

“At least Mom doesn’t know that.  Anne, I am so sorry.  I know Chris will make you take care of all the arrangements.  Do you know what she wanted?”  Matt asked me.

“She wants a wake.  Not a funeral or a church service.  She will be cremated.  Nothing too complicated,”  I said.

“How soon?”  Matt asked.

“The wake can be just about anytime.  We could do it today, if I could get enough people together.  What about you?  Will you be able to come to her wake?  I can schedule it around you.”

I could almost see him shaking his head.  “I’m not going to try it.  The drive to Virginia is at least a couple of days.  I can’t leave Barbara that long and there is no way she can make the trip.  Also, you know I won’t fly.”

“How is she doing?”  I asked.  Anything to get my mind off of Lillian.  

“Barb’s chemo is beating her up.  She can’t eat or sleep or even concentrate long enough to watch a TV show.  She has another month of this, then she will have to recover from the effects of the chemo.  We are hoping she won’t have to do this again.”

“I am so sorry, Matt.  Tell Barbara I love her. I will call you.”

“Righteo,”  he said and then he disconnected the call.

I waited for Chris to return to the hospital room and after a half hour, I realized that likely wouldn’t happen.  I walked to the nurses’ station and asked them what I should do next.  The RN told me a counselor waited for me in a conference room across the corridor.  

The woman in Conference Room F wore a mask of too much makeup, and her smile was thin and forced. She looked up from her tablet when I entered.  “Mrs. Archer, I am Sunny Rivers.  I am very sorry for your loss.”  Sunny Rivers? Really? I refrained from making a joke she had probably heard about ten thousand times.  

When I said nothing, she continued,  “First, I would like to inform you that this hospital offers a complimentary grief counseling session, if you are interested.  You can call me and I will set it up for you.”  I took the proffered card that she slid across the table.  She continued her rote speech that sounded hollow and rehearsed.  “Are you aware of any arrangements Lillian Archer may have had?”

“Yes,”  I said.  “She wished to be cremated.  She has a prepaid plan at the funeral home on Market Street.”

“Very good.  We will arrange to have her remains transported later today.  Is there anything I can do for you?”  What a question.  Her tone made it sound like she had no intention of actually doing anything beyond her basic job description.  For more than one reason, I welcomed Chris’s absence as I pictured his temper tantrum when he saw the shallow female in the room.  Chris worshiped his mother and could not honestly understand when someone else didn’t.

“No. There is nothing.”

Sunny Rivers stood from a white plastic chair that was one of six around a small table and hurried out of the room with a toss of her blond hair and a swish of her short skater skirt.  

I returned to the nurses’ station and requested the RN inform Chris that I left if he should return.  I didn’t try to call him or to text him.  Maybe he acutely felt the loss of his mother, but that was no reason to leave me entirely on my own to handle it.  Coward.  Besides, I assumed he went to find comfort in the arms of his co-worker.  Another tiny blond with short skater skirts.

“Maybe you’ll chain smoke yourself to death,”  I muttered while I waited for the elevator. Finally, I left the oppressive building, found my car and climbed in.  

The sun crept across the sky, a light breeze rustled leaves on the trees, cars came and went in the lot.  Still, I hesitated to start my car.  Nothing crossed my mind other than the sure knowledge that my life changed forever.  And I suspected not for the better.

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Photo by Breather on Unsplash

I glanced at my watch. Time passed without my noticing.  Three hours since I sat in the room with Sunny Rivers.  Lily would be home from school in an hour and I couldn’t chance Chris telling her about Lillian. I started my car and drove toward our house.

Thankfully, I didn’t see Chris’s car, so I could tell Lily, myself, knowing Chris generally made a mess of things.

The house looked exactly the same as when I left it earlier.  My coffee mug sat on the kitchen counter, the magazine I threw at Chris that morning lay with wings spread open like a dead bird on my living room floor.   Dirty breakfast dishes cluttered the sink and the dog’s food bowl stood empty. She looked up at me and her tail slowly flopped back and forth.  “Snow, I didn’t mean to forget you,”  I told the solid white German Spitz.  Snow was only two years old and I loved her dearly.  Her manners were impeccable and her disposition very sweet.  As a bonus, she completely adored me.

I poured some dog crunchies into the ceramic bowl shaped like a Chinese take-out box and freshened her water.  Oblivious to the human emotions around her, she crunched the food noisily.  

“You’ve got it right, Snow.  Just ignore everything except food and water.  In the grand scheme of things, what else do we truly need?”  I made another pot of coffee and waited in the kitchen while it brewed.  Before the carafe filled completely, I poured coffee into my mug, sat at a bar stool and settled in to wait for Lily to come in from school.

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500 Words, Road of Change, Writing

Chapter 1 continued

I complained about Chris to her that day.  We sat in her sunroom, drinking strong coffee and she said,  “Anne, my dear, Chris was a spoiled baby, a spoiled child, a spoiled teenager and a spoiled man.  He is the reason Matt and I kept going after Mr. Archer died.  We raised him together and gave him everything he wanted. He grew up feeling very entitled. He grew up thinking he didn’t have to work for anything.  You, my dear, have made remarkable strides with him.  A couple more years and he will be a human being.”  She reached across the coffee table and gave my hand a pat.  “I have watched the two of you grow up together.  You were so young when you married him.  In many ways, Chris was very young, too, even though he is ten years older than you.  Try to be patient with him.”

“Patient, you say?  He is seeing a woman he works with.”  I blurted out the issue between us.  I meant to keep it quiet, feeling somehow that I failed him.  If I was a better wife, he wouldn’t need the company of another woman, right?

The woman who spoiled him terribly gave me a sad smile. “He is not perfect, Anne.  Christian Matthew Archer Junior is as flawed as his father.”  She took a dainty swallow of her coffee that she served to us using her Royal Doulton’s Old Country Roses coffee set.  “I think the two of you need to spend some time together.  You have a daughter who became your sole focus when Trip died and now she is nearly ready for college. That’s just a couple of years away. You and Chris both forgot to love each other because you both hurt so badly over the death of your son.  Things will be alright.  You’ll see.”  The cup rattled on the saucer when she set it down, possibly the first sign of frailty.  A sign I missed at the time, so wrapped up in my own hurt and anger.

Old Country Roses

That day Lillian gave me a handkerchief so I could wipe away tears.  We spoke of only pleasant things after my grand confession.  We walked in her garden and she told me how she cares for her roses.  She showed me the new birdhouse she built from scrap lumber and her well-used power tools.  She pulled some offending weeds away from her roses then made me promise to see her the next week.

I kept my promise by sitting by her side in the hospital room.  Lillian, the glue that kept my little family together, slipped away from me while I held tightly onto her hand, never opening her eyes.

The monitor beeped loudly and a nurse entered the room.  She checked Lillian’s vital signs, turned off the monitor, then told me the doctor was on his way.

A man who didn’t look old enough to drive entered the room, checked Lillian’s vitals and then announced she had passed.  He squeezed my shoulder and said,  “You can spend some time with her.”  He walked out of the room just as Chris walked back in.  

Chris watched me for a moment, then drew his own conclusion. “I was outside smoking when she died.  Smoking.  A thing she hated because it killed my father.”

“Don’t beat yourself up, Chris.  There’s no way you could have know she would die right then.”

Chris looked down at his mother, said, “You’ll have to take care of this.  I just can’t,”  and he left the room.  He left me alone to deal with her remains.  He left me alone to face the hurt on my own.  Just like always.

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500 Words, Road of Change

500 Words: Road of Change: The Beginning

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Photo by Yeshi Kangrang on Unsplash

Chapter One  Hampton Virginia

The hospital smelled antiseptic and felt cold and lonely, like an unlived-in house with dusty sheets thrown over all the upholstery. Three ward clerks, two elevator rides, and I finally arrived at Lillian’s room.  Private accommodations resembling the five star hotel of your choice.  Chris sat in a chair beside her bed, dejected as a lost toddler.

No one told me anything prior to my arrival so I didn’t know what to expect.  Chris’s text sent less than an hour ago said, simply, “Mom’s in the hospital.  It’s bad.”  Because of my anger, I didn’t try to call him to find out more details.  Punishing him by punishing myself.

The text surprised me for two reasons.  Chris and I argued terribly for the past three weeks and just this morning, he stormed out of our house yelling through the slammed front door, “I will never set foot in this hell hole, again.”  An hour later, I received the text about his mother, a woman with a presumed lifespan roughly equal to a bristlecone pine.  Two shocking events to shatter my already shattered day.

Lillian’s frail body, grey skin, and multiple tubes and wires told a horrible tale.  “She collapsed in the grocery store,”  Chris said.  “The doctor said it is heart failure.”

“Chris, I’m so sorry,”  I whispered. Sorry for what?  Of course, I felt sorrow for his mother, but did the sentiment mean I forgave his behavior?  Not time for that, yet.

“She isn’t going to make it.  She is going to die.”  Chris dabbed the tears from his eyes with the back of his hand.  “What am I going to do?  I can’t lose my mother and my wife in the same day.”

“You haven’t lost me.  I am just…”  Just what?  I wondered for several moments while Chris watched me expectantly.  He waited for my answer.  “I am just angry.”

He looked relieved.  “I know what I said this morning, Anne, but I need you.  Can I come home?”

“Yes.  You can’t sleep on a park bench.”

“Technically, I could.  I just don’t want to.”  He tried to smile.  Chris stood and said,  “Have a seat.  I’ll find another chair, plus I feel the need to smoke after all these months completely smoke free.”  

Are we to share anything?  Even this?  I watched his back as he left the room. Leaving me alone with his dying mother.

I turned my attention to Lillian, a woman I had grown to love deeply over the past seventeen years.  Lillian gave birth to Chris at the age of forty-seven. She and her eldest son, Matthew, raised Chris together because Chris’s father died on the day of his birth.

Lillian told me about Chris’s father shortly before our wedding. “Mr. Archer hung on as long as he could, actually waiting until he saw the baby before he fell into a coma and died about four hours later.  Late stage lung cancer from smoking five packs of unfiltered Lucky Strikes every day for over forty years.  Stupid old bastard.  Left me and Matt to raise Chris and I think we did a good job.  You must think so, too, if you are planning to marry my son.”

Lillian was already seventy-seven when Chris and I married.  Seventeen years later, the ninety-four year old woman lay in a hospital, life rapidly slipping away.  Before her collapse, she lived alone in a grand old house that she cared for herself.  She even mowed the grass herself and repaired her dishwasher just two weeks ago.

“Oh, Lillian,”  I said as I gripped her hand hard enough to make my hand ache.  “Don’t leave us alone.  We need you something fierce, Chris and me.  We won’t make it as a couple without you.  Don’t go.”  And the tears wet her hand and mine.  The woman seemed as solid as Mount Rushmore the previous week when I visited her.

NOTE:  A couple of notes about this story.  First, the title is just a working title and may change.  Character names may change.  In fact, at this stage, anything can change.

Please leave comments below to let me know what you think or to make suggestions.

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500 Words, Writing

My 500 Words: Day 1

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Photo by Kaitlyn Baker on Unsplash

I have just joined a writing challenge to write 500 words a day for the next 31 days… January is my new writing month.  If I were writing a novel, that is 15,000 words already.  I have some novel ideas, I have story ideas.  I just don;t take the time to write them down.  What is wrong with that picture? I have a note on my phone that is called “My Idea Bucket,” where I put clever ideas for writing and guess what?  It is empty.

I am hoping this will get me into much better writing habits.  I mean, I am retired.  I don’t have a lot to do during the day, but I find myself reading, or watching TV.  What a wasted day when all I do is channel surf.  I am not a lazy person.  I am just uninspired.  Maybe setting a challenge for myself is a good way to develop a habit.  Actually, I have heard that it takes 60 days to fully develop a habit.  So, if 31 days is accomplished, then I will give myself another goal:  29 days.  Or maybe more.

So, what is this novel about that I am going to write over the next 31 days?  It is called, tentatively, Road of Change.  It is a Lifetime Movie type story of a husband and wife who are estranged, then his mother dies and leaves them a 3 million dollar house.  The stipulation to get it is, Anne and Chris have to drive a Porsche Cayenne to Chris’s brother. Sounds simple, right?  Well, they have to drive through every one of the contiguous 50 states to get it there.  

So right away they have problems, when Chris wrecks the Porsche on the first day of the trip.  Anne and Chris snipe at each other, get angry with each other, yell at each other and finally learn to get along.

On the trip, they have their dog with them, a German Spitz named Snow.  They leave their teenage daughter with Anne’s sister.

During the journey, Anne and Chris relive moments in their lives and finally discover the reason for their drifting apart.

This novel is somewhat autobiographical in that I am reliving many parts of my own life and some of it is made up.  The scenery isn’t important on the journey, just the interactions between the two people. The setting isn’t important.  The time of day isn’t important.  It is an opportunity to watch two people fall in love all over again and for them to remember why they are together to begin with.  This is definitely a love story, sometimes sweet, sometimes bitter sweet.  

I hope that is reading this new creation, you will fall in love with my characters, too.  

This is a bit scary for me, writing a story while essentially naked.  I am allowing the world to watch the story unfold, step by step.  There will likely changes made along the way.  Some of what I write may be deleted and a new scene written to take its place.  At the end of this experiment, I hope to have a novel.

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Essay, Writing

An Essay About Love

Love is actually everywhere you look.  Most of the time it is not earth shattering or even remarkable.  Most of the time it is those tiny moments when we are struck with the simplicity of the emotion.

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Photo by Clem Onojeghuo on Unsplash

If you look, and not even very hard, you will find examples of love flowing in lives.  Touching each of the senses. Some examples:  

Hearing:

I stand in line in the check out at a department store and a woman in front of me is on her cell phone. Not an unusual sight these days.  She gets a particular smile and her face and then tells the phone, “I love you, too, sweetheart.”  My imagination takes over.  Was she talking to a husband? Boy friend?  Maybe a child.  Hearing love is true music.

Sight:

I sit at a stoplight, eager as everyone else for it to change so we can progress to the next stoplight.  In front of me a man is driving and a woman rides shotgun.  He leans over and kisses her, tenderly and slowly on her lips, passing the time until they can proceed.

Smell:  

I approach the barista and ask her if they have Kenya Coffee.  She smiles and says yes, hands be a bag of coffee beans and rings up my purchase.  All the way home, the scent of the best coffee in the world fills my car.  I get home, open the bag and inhale deeply, allowing the scent to overwhelm me.  Coffee Love.  Perfect.

Taste:

Everyone has a favorite flavor. For many it is chocolate, or bacon or oranges.  The happiness that happens when something touches our tongue and awakens the sense of taste is delightful.  It is love.  How often do we say, I love dark chocolate or I love lasagna.  Food is love.  Taste is love.  Sharing food is love.  Just ask any chef.

Touch:

The tactile sense is overpowering at times.  I find myself walking through a store and gently caressing the clothes on the rack, or the yarn in the bin.  Judging the textures.  Enjoying the feel.  Did you know you have nearly as many nerves in your feet as in your fingers?  The best feeling is when I take off my shoes and caress my feet with the carpet under me. The motion is deliberate, moving my feet to and fro.  I allow my toes to clutch the carpet fibers and relaxation washes over me.  Love.

What the world needs now is love, sweet love.  Love makes the world go ‘round.  All you need is love.  Love is a many splendored thing.  When I seek love, I find myself smiling more often.  I am calmer.  I am happier.  Love, love, love.  

I challenge you to find love.  Every day.  Everywhere.

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Photo by John Jennings on Unsplash
Flash Fiction

Flash Fiction: Every Night at the Fights

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Photo by chuttersnap on Unsplash

I drive slowly past the apartment building I lived in 33 years ago. Red brick, white peeling paint on the window casements, concrete steps to the wooden screen door that opened into the stairwell.  Six apartments, two on each floor.

That one was mine.  The second floor on the right as I face the building.  A tiny foyer, a tiny living room in the front, tiny kitchen, a tiny bathroom and a tiny bedroom in the back.

The bedroom overlooked an alley and an old white house beyond.  A large picture window without any concealing curtains opened to the alley.  Inside, a naked wooden dining table with four chairs awaited the family.

Many nights, I lay across my bed, lights out, watching the family in that house.  The house became my entertainment.  Live entertainment. Better than TV.

A middle aged couple lived there and their daughter and her husband.  I gave them all names:  Earl and his wife Maggie.  Daughter Debbie and her husband Ricky.

Bald, huge, Earl always dressed in a stained white sleeveless undershirt and khaki shorts.  Gray headed Maggie wore a faded cotton house dress as she cooked a meal for four.  

Every night was the same routine:

Maggie set the dining table with plain white dishes and ordinary glasses, a spoon, fork and paper napkin at each place.

Earl sat at the head of the table and demanded a another beer.  He lit up a cigarette and drew on it.  He complained that dinner was late, again.

Maggie called Debbie to dinner and the girl with dark stringy hair entered the dining room from deeper in the house with long haired Ricky trailing.

They sat at the table while Maggie served the food to each one.  She took her place at the table.  A Norman Rockwell family.  Except, no one smiled because they knew what was coming.

Earl wiped food from his mouth with the paper napkin, demanded a bottle of whisky and poured it in his iced tea glass.  He drank it all in a single go and lit another cigarette.  He yelled at Maggie because the gravy had lumps, he yelled at Debbie because she married badly.  He yelled at Ricky because he wasn’t working. Debbie countered that Ricky was going to college.  

Earl drunkenly yelled that no college degree ever helped anyone ever and Ricky is a lazy freeloader.  Earl told Ricky to get out of the house.  Every night, Earl threw Ricky out–a young man who never complied. Debbie cried and screamed at Earl for being unfair. Earl swept the dishes off of the table with a single brush of his meaty hand.  Glasses broke and the melamine plates clattered loudly.

Maggie cried because more dishes are broken.  She grabbed a broom so she could clean up the mess.  

Earl tossed the empty whiskey bottle against the wall, shattering it on the ancient plaster. Maggie swept up that mess, too. Every night.

Families sitting down to dinner together are so nice.  

Flash Fiction, Love in an Instant, Writing

Flash Fiction-Love in an Instant: Hotel Hunk

The journey seemed endless as the miles on the highway ticked by slowly.  Too slowly.  My iPod blurted all too familiar tunes, Pandora acted squirrley, singing aloud and off key bored me.  Another mile.  And another.

Google Maps finally announced my exit from the Interstate and I knew the hotel was only a few feet away.  “Your destination is on the right.”  Sweeter words were never uttered.  

I parked my car and slowly walked to the lobby, hoping the kinks would work their way out of my knees in a moment. Too long in one position in the seat took its toll on my body in more ways than I cared to recount.

Check in seemed endless and no I don’t need two keys. The room is just up the stairs and no, we don’t have an elevator, sounded in my ear.  Eight hours on the road and now, I have to lug a suitcase up a flight of stairs.  I sighed and steeled myself for the task.

Trunk open and suitcase on the ground beside me.  I grabbed the laptop bag, my small toiletries case, my purse and my wits.  Ready.  I silently blessed the woman who invented a suitcase with the handle and wheels.  It had to be a woman because the solution is incredibly practical. Like pantyhose.  Like hair dryers.

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Photo by Karen Pope

“Let me get the door for you.”  Southern twang from the right.  I turned and looked into the bluest eyes I had ever seen.  He wore inevitable cowboy boots, jeans that molded themselves to his skin, a t-shirt that announced his love of ZZ Top and a perfect smile.  Teeth straight and white as a movie star’s.  Brown hair long enough to show the curls at the end.  And six foot four.  Perfect in every way.

“Why didn’t I meet you twenty years ago?  Or thirty?”  I wonder.

He pulled the door to the lobby open and allowed me to enter.  The door closed and he grabbed my suitcase handle.  “Let me get that for you.  Where to, Ma’am?”  Don’t you just love Southern hospitality?

“Room 204.”

“That’s just at the top of the stairs.”  He pushed the handle into the suitcase and picked it up, not bothering with the wheels.  Up the steps, two at a time and I doggedly followed, trying to keep the agony of sore knees from showing on my face.

He put the suitcase in front of the door, and raised the handle up so I could pull the case into the room.  “Room 204, as ordered.”  His smile brightened the entire floor.  He turned and stepped toward the stairs, again.

“Thank you, very much,”  I managed to say before he descended.

“No problem.  Anytime, Ma’am.”  

And he vanished down the stairs returning to the errand my arrival interrupted. Random act of kindness?  Likely I reminded him of his mother.  Or his grandmother.  Whatever the case, I will remember that bright smile and those blue eyes for a very long time.

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How to Know When You Need a Family Budget

Do you really need a budget? Isn’t that just a boring list of numbers that means you never get to spend money on what you want?

A budget is really just a way to take control of your finances. It does not necessarily mean you can’t ever spend your money on what you want; it just means you spend your money smarter. In fact, if you are always denying yourself and never buying anything you want for fear you can’t afford it, a budget could be liberating. Dealing with real numbers tends to be a lot less stressful than dealing with vague impressions of your income and expenses.

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Photo by Niels Steeman on Unsplash

So how do you know if you need a family budget? Here are some tips to help you know if you need to form a budget.

1. Your credit cards are never paid off.

If you are paying only the minimum balance on your credit card, and/or using one credit card to pay off another, then it’s time to work out a budget to get out of that hole.

2. Money “burns a hole” in your pocket.

Do you feel like you have money for a moment or two, then it’s gone? This could mean you have too many expenses, or that you are too quick to spend on wants rather than needs.

3. You don’t put any money into your savings, or you are random about how much and when you put money in.

Having a savings plan is an important aspect of financial management. If you don’t have any regimented plan for putting money into savings – say the first 10% of your net income always going to savings, or all bonuses from your workplace going straight to savings – then your savings will tend to languish as you keep spending on things you want.

4. You don’t have a savings account at all.

If you don’t have any savings or emergency fund, it may be a sign that you need a budget. A good family budget can help you make savings a priority.

5. You’re always saying, “I can’t afford it.”

Do friends ask you to go out to lunch, or to an event, and you say you “can’t afford it” all the time? This may be true, or it may not be; forming a budget will help you know what you really can and can’t afford.

6. You never seem to have enough.

Money can be deceptive – what seems like “plenty” can suddenly be not enough. Forming a budget can help you get a grip on what you really have; you may be pleasantly surprised that you do actually have enough, or that it’s feasible for you to make some strategic cuts so that you will have enough.

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Budgeting

Family Budgets – A Healthy Outlook

Having a family budget means, for some people, whipping out the calculator at every purchase, or viewing the budget on their mobile device in the grocery store. For others, a family budget is just a formality and they never really glance at it. Between these extremes are those who sort of use their family budget with moments of obsessive adherence, or those who try but give up altogether because they go crazy trying to keep track of all the details.

Where’s the balance? How can you maintain a healthy outlook without obsessing or ignoring your family budget?

Here are some tips on how you can cultivate a healthy outlook regarding your family budget.

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Photo by NeONBRAND on Unsplash

Flexibility

For those who tend to err on the obsessive side, it is a good idea to remember to be flexible with your budget. Of course, flexibility does not mean ignoring your parameters. But it does mean you can take a little from one area and cut back in another when necessary.

Get Your Family On Board

Nothing can make you frustrated with a budget like lack of family participation. Family members might just rack up expenses without giving the budget a second thought, leaving you to tear your hair out trying to balance it and cover the expenses. If the whole family is included and on board with the budget, it can improve everyone’s outlook.

You Don’t Have to Keep Track of Every Penny

Some people avoid a budget because they don’t want the stress of keeping track of every cent spent. They’re right – that is stressful. But it’s not the only way. Look into budgeting in a general way, or simply work out a list of expenses, income, and how much you have in the bank right now.

Customize

Don’t be afraid to get creative with your budget, and customize it for your family’s needs. Your outlook is likely to be a lot healthier if your budget is suited for your income, expenses, and personality. Your family dynamic should be taken into consideration when you form your budget.

Forgive Yourself and Family Members

Everyone makes mistakes and breaks the budget now and then. Beating yourself up over a budget mess-up is not conducive to a healthy outlook, and neither is nagging and punishing family members. If it’s a chronic “mistake,” it may need to be addressed in a civil family meeting. But to keep a healthy outlook, let the minor offenses go.

Know When It’s a Real Emergency

What constitutes an “emergency” can differ between family members. Dipping into the emergency fund for non-emergency expenses can deplete the money pretty fast. Make sure everyone knows what a real financial emergency looks like for your family.

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