What do you do when there is a change in your family’s employment, and/or financial situation? The economy has impacted families in a number of ways. For every one it is different, but whether temporary or permanent, it is change that for however long, becomes your new normal. If you follow me on Twitter, you may have read that my family is adjusting to a new normal. While I won’t get into specific details or personal information, I do want to share some of the areas that we have had to make adjustments to as they relate to our budget, and daily lives.

Change in budget - Just a little bit of the back story – my husband’s position of 27 years has been phased out of his department. He now has a new job, with the same department, same benefits, but it’s in a new location that is further away. No decrease in pay, however a substantial increase in mileage, vehicle wear & tear, work clothing expenses, plus now an additional daily expense of up to $8.00 in tolls that we never had before, has all added up fast. Thus, our monthly budget is being drastically revised.

Change in income - Well, more like a change in salary structure that has changed our main monthly income from a set amount to a fluctuating one. For the last couple of months I have been figuring our average and trying to budget with that. The goal is to keep us living within that average monthly income, and stashing away anything extra. So much some extra money could go towards, but there are always added unforeseen expenses that pop up.

Change in daily routine -
The longer commute means a longer day, and the longer hours effect all of our daily routines. Earlier to bed, earlier to rise (for Mom & Dad anyway). He doesn’t go past the grocery store on the way home anymore, not as many family dinners, responsibilities have shifted somewhat. We appreciate the quality time we have when we are all at home together as a family though. Mom does more school and home related tasks, with more help from the kids.

Change in my online life - I have been involved in online business for over 6 years, and absolutely enjoy writing in my blogs, learning new things, and helping other online business owners as a Virtual Assistant. In order to bring in a little income, to help with our change in budget, I’m focusing more on attracting new clients, plus getting my new routines figured out.

I have done the wallowing pity-party thing in the past, but now I look at what we have to be thankful for. This is what it is going to be, our new normal. It is what it is, though, as my Mother-in-Law said to me the other day, “it will become what you make of it”. Things will eventually settle down, I’m sure, but until then, I plan to make the best out of it as I can! For now, flexibility is a must! ;)

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More Change???!Have you heard of a “swear jar”? Some families who are trying to improve their language will institute a swear jar. Any family member who swears has to put a quarter into the jar. But you can get creative with your family. Is there something your family would like to improve on that could use a “swear jar”? Here are some ideas, especially for those with older kids who generally have some money somewhere in a piggy bank. ;)

  • Every time your child talks back he or she has to put a quarter in the jar.
  • Playing video games, watching television, or other entertainment media “costs” $0.50 for every half an hour.
  • Family members must pay a quarter each time they don’t put away their shoes, toys, or whatever item always seems to be left on the floor each day.
  • Complaining about dinner will cost family members $0.50 each.

Of course these totals are just for example. You can tailor your “swear jar” penalties, and fees to match your family’s goals, age appropriateness, and even have a sliding fee scale depending on the age and infraction of the individual. Not only will you begin to see a change in behavior, but you can put that money towards a family goal. It makes paying the penalty a little easier.

Ten years later, as I watch the news this morning – seeing the real-time footage being replayed – I am taken right back to that morning. Looking at our clear blue sky here today, the same brilliant blue it was that Tuesday morning, it’s a sky I will never forget.

September 11, 2001 – I was a new Mom, heading to work on the train into Chicago. My husband had dropped our son off at a friend’s and was on his way to work. I commuted every morning, and didn’t know anything about what had happened until I got into my office that morning. Then standing in our conference room, watching on TV as the second tower was hit, I looked out the window and up at the Sears Tower. Couldn’t help but fear that it could happen there next.

Who didn’t want to call a loved one that morning? I had to call my husband, I seriously was in fear of what could happen, if a plane might still be on the way to hit the Sears Tower. That fear – brings tears to my eyes as I think about it still. I called him back later to let him know we were being evacuated.

I so remember looking up into the clear blue sky as I rode home on the train in complete silence with so many others, knowing that there were NO planes flying. Nothing but clear blue sky for as far as the eye could see.

The world changed that day. Our lives were changed forever that day. Priorities shifted. For me – it was a triple whammy. Our childcare provider called later to say she couldn’t take care of our son – it was just too much with her own kids to take care of. (Understandable that her priorities shifted as well) To compound things, it was the day that my Mother was diagnosed with a terminal illness. That night, as we sat holding each other, my husband and I made the decision that our son would have his Mom at home to take care of him.

So, I’m deep in thought today…thinking about my Mom, thinking about that morning and how much things have changed since then. I’ll never forget that pivotal day in my life. I will always remember – I will NEVER forget!

My Tweets

  • @carriekirby I know me too! thought there would be a "part 2", but knew it early this afternoon. So much hanging for next season!
  • @carriekirby It's okey - I'll have all summer to come to grips with it. *sigh* Tho - I couldn't tell who'd return next season by the ending!
  • There is a west coast friend of mine who would kill me if she saw ANY #greysanatomy updates before she saw this episode! U NO WHO U R

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