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.

Uncategorized

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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Budgeting

5 Clever Tips to Get the Family On Board with Budgeting

You’ve probably heard that getting everyone involved is important to the success of your family budget. But you may be wondering if that’s really necessary, or how to even do it. Here are some ideas and tips for getting everyone on board with your family budget.

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Photo by Harshil Gudka on Unsplash

 

Be Open

Sometimes parents try to hide their financial situation from their kids and/or each other. While this may seem like “sparing” the ones you love, in actuality it can cause undue stress on the one family member who does know how bad things are, or how things work financially.

It’s true that you don’t want to overburden your kids with responsibilities that aren’t theirs, but including them in a frank discussion of your financial situation can go a long way toward easing your burden and garnering their willing participation.

The Family Meeting

Call a family meeting to discuss finances. If you’ve never done a family meeting before, this is a good place to start. It may not be everyone’s favorite topic, but it’s an important one. Ultimately, your kids and spouse will be glad you included them in the discussion. Another tip on the meeting – try to call it at a time when it doesn’t cut into other plans. This should help reduce resentment.

It Affects Everyone

Explain how your family finances affect everyone in the household. Be clear and specific, citing fees, tuition, allowances, groceries, etc. and how they all cost money. There’s no need to beat everyone over the head with this information, so to speak; but it gets family members to think a bit about where the money comes from. It’s easy to take things for granted.

Cutting Back

If the budget involves cutting back, it’s probably a good idea to cut back in areas that affect the whole family rather than just one member. Otherwise, that one person may resent what seems to be preferential treatment of the others, and you’ve lost your whole-family approach to the budget.

Set Goals Together

As you work to formulate your budget, work on common goals. What would your youngest child like to see as part of the budget? She might say toys. Your oldest child might point to electronic devices as something to include; your spouse may say a nice vacation. Consider everyone’s wishes and come up with some realistic, common goals. Not everything is doable, of course; but finding creative ways to get everyone’s needs met is what family life is all about.

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Flash Fiction, Love in an Instant, Writing

Flash Fiction: Love in an instant: At the Copa

Everyday, the same nothingness happened on the long commute home.  Two hours in my car, stuck in traffic, boredom abounds.  Inch by inch, I forge ahead, trying to make the twenty-three mile journey to my haven of solitude.  Twenty- three miles in two hours. Progress stops.

Horns, motors, exhaust fumes.  My car starts to overheat in the summer sun, so I turn off the AC and open the windows.  Nothing moves.  Angry faces stare at me out of their car windows as if the gridlock is my fault.  Sweat tickles my face.

I have a CD of my favorite songs playing quietly so as not to disturb the neighbors in their equally dismal commute. But, that song starts playing and I reach over to turn up the volume just a little.  And a little more.  At the chorus, I sing along with Barry Manilow.  “At the Copa.  Copacabana.  The hottest spot north of Havana…”  

Next to my car, the man in the red Ford F150 smiles and his head bobs in rhythm. His window is open to the elements, too. Blond hair matted with sweat and gray tank stuck to his chest, he starts singing. Hot wind brings in the smell of cigarette smoke and rum.

“At the Copa.  Copacabana.  Music and passion were always the fashion at the Copa.  She fell in love.”  Barry, Red Truck Man and me sing in complete harmony.

We three sing Lola’s story into life:  “His name is Rico.  He wore a diamond.  He was escorted to his chair, he saw Lola dancing there. And when she finished.  He called her over.  But, Rico went a bit too far. Tony sailed across the bar. And then the punches flew and chairs were smashed in two. There was blood and a single gunshot, but just who shot who? At the Copa…”

The musical bridge played and Red Truck Man and I cha-chaed in our cars.  Red gave me a spin and pulled me in close.  Our bodies move in perfect synchronicity. No longer stuck in gridlock, Red and me flew to the Copa to dance the hot Florida night away. One, two, cha cha cha.

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Photo by Allef Vinicius on Unsplash

Barry, Red and me start singing right on cue.  “Her name is Lola…” all the way to the end of the song when we sing, “Don’t fall in love.”  It’s too late Barry and Red.  I already fell in love with both of you.

The traffic starts to move forward and Red releases me from our dance.  

For the duration of a song, my wish for the world worked.  Everyone knows the words to the song.  Everyone knows the steps to the dance.  The guy always gets the girl and everyone lives happily ever after. Just like a Fifties’ musical.  Just the way I really want to the world to be.

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Budgeting

Is an Emergency Fund Necessary?

Some may question the necessity of an emergency fund. After all, is it really necessary? How do you go about it? Does it need to be a huge amount? Here are some ideas and suggestions that should help answer these questions.

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Photo by Piotr Chrobot on Unsplash

Is an Emergency Fund Necessary?

Generally speaking, yes, an emergency fund is necessary. What form it takes can vary, but it is a good idea to have an emergency fund. Such a fund can help you avoid high-interest debt, and it helps reduce stress. After all, life is full of changes – many of them sudden and not good – and having that “cushion” can help you feel ready and calm.

How Do You Go about Creating an Emergency Fund?

First, determine your expenses. Look at three to six months’ worth of living costs and count on saving that much in a fund. This can help you keep your standard of living for a time if you lose your job, or it can cover a large expense such as vehicle repair.

Then determine how long it will take you to save that much and how much you have to take out of your paycheck each month to reach that goal.

Once you’ve determined how much you need to save and how long it will take to save it, it’s a good idea to change your mentality to put payments into the emergency fund before you pay for anything else. If you can do it by automatic deduction, go for it – see if you can have a portion of your paycheck taken out and put into a savings account. Otherwise, make it a habit to put money in your savings first and foremost, and then take care of your other expenses after.

What If You Have Low Income?

Even if you have low income, you can set aside something each month. Try saving a percentage of your income, such as 5 or 10 percent. It may take you longer, but it will accumulate.

Does It Have to Be Huge?

In short, no. An emergency fund does not have to be massive – but it certainly should cover unexpected expenses. To determine the size of your fund, consider what sorts of emergencies you’d want covered by the fund. Remember that buying insurance may be a more cost-effective way to guard against emergencies, too – evaluate the scope, likelihood, and potential cost of possible emergencies and this should give you a clearer picture of how large your fund needs to be.

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