So Tim had a really great idea and we are going to spend the weekend in Houston looking at mid-century homes and shopping, eating, going to cool bars, etc. and then spend Sunday and Monday night in Galveston. I think this will truly be the best of both worlds and be seriously low-stress since I know how to get around in both cities. We should be able to get a good deal in both places since hotels downtown are cheap on weekends because they're intended for business people and hotels in Galveston are cheap(er) on weekdays. If you have any suggestions for places to stay in either local, send them my way. Yay for decisions!
In the bad news department, we got our tax appraisal. And it was a LOT more than I'd expected it to be. Totally reasonable considering what we paid for the house, but they never appraise your house at what you paid for it, you know? Anyway, I was saving enough to cover the amount as my "worst-case scenario" amount, but now we'll need all of it. Grump grump grump. I think "broke" is a bit misleading, but I do feel like every last cent is already accounted for, especially since we're about to have to start paying off the A/C improvements. I was going to lower the 401k and savings contributions a wee bit to cover that, so we didn't feel the burn, but Tim totally freaked me out and said we still weren't saving enough for 401k. Apparently we are going to be eating catfood and need to actually eat catfood now in order to save for retirement. I still think the calculators for that sort of thing must be incredibly conservative. I mean, for example, I don't plan to have a house payment then, so that is a huge chunk of change I won't need every month. And I feel really guilty that I am not putting any money in Stella's college fund right now. And she doesn't go to school or classes or anything. My investment in my child's future this week? $5 on a Play-doh Animal Activity Bucket I bought at Walmart yesterday. (She loves it by the way).
What a ramble! I shouldn't complain, I just always thought that if my family were making as much money as we do I'd not have to worry about a thing. I don't even know what people who are making way less than us with families of 4 do. And they usually have gas-guzzling behemoths and car payments. We share a paid-for car that gets 30 miles to the gallon. I really worry this recession could be BAD. Because we are feeling the burn and we are truly blessed when it comes to our financial means.