Recession Mama











{October 8, 2009}   I’m No Superhero

by Heather

If I had to be a female superhero for one day who would I pick?

I can tell you right off the bat that it wouldn’t be Wonder Woman. Sure she looks super cool deflecting bullets with her gold cuffs, lassoing creeps and  kicking bad guy booty while wearing a strapless body suit and boots. But her outfit is too revealing and the most likely to have a wardrobe malfunction. She must have some serious glue holding up that top and a killer bikini wax. And please… who can change clothes just by spinning around in circles?

Photo may be subject to copyright

Photo may be subject to copyright

At least Supergirl wears sleeves and a skirt. That’s doable. Sort of. I imagine it gets a little chilly flying around the city in that get up… not to mention the challenge of not looking windblown.

Image courtesy of Toon Zone

Image courtesy of Toon Zone

Then there’s Xena: Warrior Princess. This goddess wears leather, carries a sword, rides atop a beautiful horse and goes Medieval on unsavory types. She need only magic and muscle to topple the evil doers. Also, I’m pretty sure she can crack coconuts and skulls with those thighs.

Photo from fanpop.com

Photo from fanpop.com

I love these super ladies. But their outfits and supernatural skills are completely unattainable. So I must choose another type of super hero. That would have to be women who manage to balance work, school, family, relationships… whatever consumes their lives.

I’m no superhero mamas and papas. I don’t always manage the kids, their school, husband, college, the house, the renovation, the rental property with style and grace. In fact, most of the time I look like a dog chasing its tail. Round and round and round I go. I’m extremely sleep deprived and often over caffeinated.

No fooling. I’ve got a lot on my plate AND I’ve probably bitten off more than I can chew. So something’s gotta go!

Obviously the kids and husband will stay put. Besides I love them more than anything in the world including chocolate. We can’t sell our additional properties, so I will continue to juggle them. And I just started another degree so I plan to stay the course.

That leaves book club, exercise, grooming routine, mom’s night out, eight hours of sleep and TV.

Reading feeds the brain and exercise keeps my brittle bones from turning to dust… so they stay. I’ll continue to slap on a little “war paint” and brush my hair. I’ll have  girl’s night out during school breaks. Sleep is necessary, eight hours is a luxuary. So I guess that leaves TV.

I have pretty much ditched it. I’m so far behind on my shows that I may never catch up. But I haven’t really missed it. In fact, I’ve discovered how much time I used to waste on watching “crap.”

Sure I’m going to keep tuning into my “favorites” like Mad Men and Dexter. (recorded and watched later) Don Draper is too yummy to give up!

Mad Men AMC

Mad Men AMC

But no more  live TV, new programs and getting involved in mindless reality shows (sorry Housewives of New York).

Starting a new degree, writing a blog, managing three homes and a family is hard work. But I feel fortunate and blessed to be so busy.  It’s forced me to give up foolish junk, get organized and manage my time better.

I’m not a superhero…. not even close. I’ll leave that to the professionals. Besides I don’t think my pony tail and yoga pants would make a very sexy superchic outfit. All I can do is try my best with the time I’m given.

However, I have to admit it would be nice to have a few “superpowers.”

“Wonder Twin Powers activate…. in the shape of dinner and paid bills!”

“Wonder Twin Powers activate.. in the form of happy-to-take-a-bath-and-go-to-bed children.”

Sigh…. Maybe in another life and comic book.

(check out the Wonder Twins cartoon below)

http://www.youtube.com/watch?v=qdZ4JgGm2p4

-H

Advertisements


{August 28, 2009}   The Reinvention Continues…
–by Carla

As Heather embarks on her new, fabulash career as an interior designer and Katy gets ready to start working on her latest Hollywood hit TV show, I’m here in suburban Dallas, trying not to eff up dinner each night. And so, the reinvention of Carla the Career Radio News Anchor continues…

Yay, the stove's right behind me....mocking me...can you hear it?

Yay, the stove's right behind me....mocking me...can you hear it?

I have made a little headway in the kitchen, but not as much as I’d hoped by now. I mean, I was laid off 9 months ago. You’d think I’d have gotten the hang of being a SAHM (stay-at-home-mom) by now. But I was “baptized by fire” for this venture, so I try to cut myself a little slack every now and then. It’s not like I started out as a SAHM with my firstborn, then eased into baby #2. I woke up one day and was all of a sudden a SAHM of 2 baby boys…with zero experience.

This week, I did manage to cook a few dishes that didn’t end up crossed out on my “Can Cook This Again” list. I whipped up a chicken and rice casserole Sunday that was inspired by the one and only Campbell’s soup can. Yup, I got me some inspiration at the grocery store last week. I thought, “This looks pretty easy…even *I* can’t screw this one up”. And it was pretty ok. My next bit of inspiration came at the checkout line and one of those little books about “fun cooking for kids” or something. You know the ones…food that looks cute and fun and MAYbe, just maybe, your picky, doesn’t-want-to- ever-eat-anything-at-all, toddler will actually want to eat this stuff. So I then cooked up some chicken strips breaded in crushed corn chips and some other stuff. The breading didn’t even smell appealing to me, but whatever, if Toddler Boy eats it…then fine. I also made some Italian breading-coated chicken strips to go with the giant batch of pasta and sauce I’d made earlier (bc I’m up to HERE with chicken most days). If you’re following along (and I am not), that’s roughly 4 semi-successful meals in about 3 days. I also whipped up my always enjoyable Mexican Casserole which is a lot like what ya get at Chipotle…and even *I* can’t screw up that dish. I’ve made baby Dean several home-cooked meals in the Magic Bullet (bless you, PopPop and Granny for THAT Christmas gift)..and last night I cranked out perhaps the greatest banana bread I have ever cranked out. (For the record, baking does not freak me out like cooking does, for some weird reason)

Success!

…Not really. See, my palate is accustomed to a certain level of yum that my current culinary skills simply cannot deliver. That is a terrible feeling. Talk about champagne taste on a beer budget. It stinks when you’ve eaten at some of the tastiest places on earth, yet you are serving up stuff that a 3rd grader could cook.

It is nice, though, to cook things that my family will actually eat. My very favorite morning this week was when Donald ate my banana bread for breakfast and Dean had a few bites as well, along with his standard baby grub. My heart was huge with joy. Still is.

And lastly this week, in an attempt to save a little money …since I was accidentally poking the boys with my crazy, out of control nails…I hacked them off myself. A good old-fashioned “Recession Manicure”…

Wow, practical AND sexy

Wow, practical AND sexy

…and the tips of my fingers are STILL numb. TOO SHORT. Plus I sliced open the ring finger on my right hand the other day opening the knife drawer. In all, I had 1 bum thumb and 2 bum fingers on the same hand…all while trying to do all of this cooking …just this week. Not to mention the vacuuming, dusting, laundry, laundry, laundry, baby care (all of it), play dates, time-outs, and the who-knows-whats.

Most days I feel like all the other moms are doing a waaaay better job than me…and that I should be waaaay better in the kitchen that I am, that my house should be cleaner, that I should get out more often and host play dates more often and try to meet other moms more often and lose more of this baby weight …and so on, but I also know that I am doing the absolute best that I possibly can.

I also know that I am having the time of my life. A lot of people really don’t understand that, though. I mean, how can you be happy about having lost your nearly six figure income? Easy…

1624a

…I feel like pinching myself because I am living my dream. So what if my cooking stinks right now and money is tight. I’ll learn to cook. In fact, one of my awesome girlfriends …who is very awesome in the kitchen…is organizing cooking classes at her  home coming up soon. I can’t WAIT! (I’m sure I’m not alone on that one…)

…and yes, I do know that there are about 14 different fonts on here. My eyeballs are glazing over. I need a font czar.



By Katy

Barney's New York in Los Angeles, CA

Barney's New York in Los Angeles, CA

In the last two weeks, I’ve gone to several shopping places in Los Angeles. I’ve been to Rodeo Drive in Beverly Hills and its less famous, but still fabulous shopping destinations off of Rodeo, like Barney’s New York. I’ve also eaten at Barney’s Greengrass, and it was packed for lunch! Of course, Barney’s New York is a pretty swanky boutique department store in the infamous 90210 zip and “Greengrass” is its upscale deli/diner, on the penthouse floor, so maybe the recession hasn’t really affected those who “lunch” there. But I also went to a couple of different malls lately and they were packed too!

Today, I went to the Century City Shopping Center for lunch. They have one of the nicest food courts I’ve ever seen:

photo courtesy of www.bunrab.com

photo courtesy of http://www.bunrab.com

Believe me, this photo does not do it justice. You have to see it for yourself! And this photo was not taken today at the mall because if it were, it would be 10 times more crowded! My TV crew and I could not find parking spots for a good 15-20 minutes. I couldn’t believe that every parking space was filled! We had to park on the 2nd underground level, and in my many, many, many trips to this shopping center…I have never, ever had to park on the 2nd underground level.

But what does this all mean? I mean it’s not scientific, by any means. All I’m saying is…in Los Angeles at area malls and restaurants, I’ve started to see a little bit more movement, a little bit more spending, a little bit more splurging like the Los Angeles I’ve always known, and personally, I’m extremely happy and excited about it.

And if you’re still feeling the pinch of this recession like most of us are, here’s a coupon for a free meal.



{April 25, 2009}   “My Cheap Dad”

By Katy

I was inspired by Carla’s post on where we get our financial sense. I have common sense, I have hopefully some sense of reality, but financial sense? I’m not sure that’s part of the recessive gene pool. If so, I am definitely swimming in the shallow end. But let me first go wayyy back…back when I was a very, very little girl and everyone said I looked like my dad…

img

Well, unfortunately, I don’t have any photos of my dad to show you. But trust me…this is sort of a cuter little girl version of him. Now, when I got older, everyone said I looked just like my mom, which made me happier (since I am a girl…I really didn’t want to resemble my father, who is a man). As for learning from my parents’ financial acumen, well…you tell me how much you’ll learn.

First, my mother. My brother has always said, quite seriously, that the two of us were born in a mall. My dad says he’d be a much richer man today, if it wasn’t for her and her old LOVE of shopping. She would take us to the mall, even when we were sick and home from school! (Cool, right? Well, not if you’re running a fever and could care less about looking at ladies’ shoes.) Nowadays, she’s not such a bigger shopper. Instead, I think her retail therapy has turned into a fitness fanaticism. I admire the way she’s turned it around for herself though, and boy, do I wish I had her amazingly toned arms!

Now back to my dad. I was always joking, that someday, I wanted to produce a TV sitcom, called “My Cheap Dad.” When I told him this idea, he was actually super thrilled! He bragged to his co-workers that his daughter wanted to write a TV show all about his CHEAPNESS! Obviously, the man revels in the 100 ways he likes to hold onto a buck. Let me just give you a few examples…when I was still living at home (and that really wasn’t that long ago), he would follow me around the house. As soon as I left a room, he would turn off the lights. OK you’re saying to yourself, what’s wrong with that? We should be conserving energy. Should we also turn off the lights when I just left the bedroom for two seconds to grab a towel or hairbrush from the bathroom? And should he turn off ALL of the lights when I was still sitting in the living room?!? Um, hello? I’m still in here…sitting in the dark now. And what’s ironic is, today, he would be considered a forward-thinking “environmentalist.”

Next, forget about going to restaurants with my dad! He believes that a $5/person meal is an average priced meal, and that anything that costs $10/person or more is a super fancy, highly expensive restaurant. Um, I truly believe the man is still living in the 1970’s. And when I say $10 or more…I really just mean $10. He doesn’t really do “more.” And the tipping scenario…oh I think I’m going to get in trouble for this one. Remember how, on “Friends,” Rachel’s dad was a tight tipper? And how, when Ross tried to leave more money, her dad got super angry and accused Ross of thinking he was cheap? Well, that’s exactly my dad. His idea of a good tip is 10% for lunch and maybe 15% for dinner. At Chinese restaurants, it’s worse. I think it may be a couple of a bucks for lunch (no matter what our check comes out to be), and maybe 10% for dinner. His favorite dinner-time restaurants are mostly buffets, especially the ones where he gets the senior discount (not sure if he always qualifies) and also he has a fistful of…coupons. He loves buffets mainly because you get to eat as much as you want, and he only has to tip a couple of bucks, even at dinner. But let’s just get something clear. If you’re not a big eater, like my mother or even myself, he does not like to take you to his favorite restaurants because well frankly, my dear, we did not eat our damned worth!

I could go on, but I’ll spare you all of the details and hope that someday, I will have a TV sitcom called, “My Cheap Dad,” so you could really see how cheap he truly is. I think he got his “cheapness” from his mother. But to really think about it, I don’t think I could call her “cheap.” She has money. After all, my father grew up with a chauffeur and a nanny. But my Nana is actually someone who values money over people. She is someone that this recession is shaking its fists at (with full force)! She has actually said, out loud, that she wants to be buried with all of her money! Well, good luck with that dream!

So…to go back to the point at the beginning of my story, where I told you that I was definitely swimming in the shallow end, financially, I think you can finally see my point.



By Katy

Recently, a comment on a recent post was misinterpreted, and when I started to explain what I had meant, I ended up with writing almost an entire blog post. So I thought I’d share my discussion:

In a comment to Carla’s recent post, I wrote: “The recession is helping us all slow down!” And here’s what a reader wrote: Can’t say I agree with you on this. This is from my own person observation with friends and family: People who have lost jobs or had their salary cut back back up to 30% are now working TWO jobs to make ends meet. They have done away with conveniences such as the cleaning lady, yard guy, etc. and are doing that themselves, too, in additional to large number of additional hours worked. People that still have jobs are working long and harder than ever. Salaried folk are getting to work earlier, staying later, etc. all in hopes of keeping their job. Hourly people are working “off the clock” trying to keep their jobs. With layoffs, the people left at companies have had their duties increased beyond what they can physically do in one day and are totally stressed trying to get it all done. I know I haven’t slowed down. I’ve gone from a job that was manageable at 8-9 hours a day, to working 10-11 hrs a day and working at home after that and on weekends to boot.

Let me, first, digress for just a moment. I am not trying to “defend” what I said, or argue. We, Recession Mamas, love our readers! I am personally humbled when I meet friends or hear from total strangers that they’re reading this blog every day and that they can relate and are glad we’re trying to help each other out and tell our stories. I’m happy to hear a friend, recently, tell me that instead of being depressed or wallowing in this recession, this blog feels very “hopeful” to her. So this post is in no way going against what a reader wrote. I just want to make sure I’m conveying the idea that I believe that what this recession has taught ME, personally, is that love is important and that work should not define who I am.

So here’s what I started telling this dear reader (shortened and altered slightly):

I didn’t mean “slowing down” in terms of work. Believe me! I always seem to have two jobs, and even before this recession I’ve always worked long days. When I’m not working, I volunteer. In college, I had three jobs. For a long period in my younger life, I worked 7 days a week — Monday through Friday at a local TV station, and weekends, I worked at a local radio station. So, I would never be the one to say that we’re slowing down, in terms of work. What I really meant was slowing down and seeing our lives in a real way…that it isn’t all about money…that what really matters is love (or as the Beatles say)…”all we need is love.” In fact, my fiance and I thought we might fight MORE because of the pressures of not having two incomes, at certain times this year, but instead…we’ve gotten even closer. So, although I’m a practical girl who grew up with a Grandma that told me…Love doesn’t buy the bread…I slowed down just enough to see that love and support help get you through the tough times.

All You Need Is Love

"All You Need Is Love"

Let me now expound on that. Before this recession, I truly saw a lot of my relationship with my fiance, financially. I don’t think I really realized this, until the recession hit. I was always thinking about equality in our relationship, also in terms of how much we made, how much we contributed to paying for needs and wants, and thinking that whoever made more money should get the right to have more say in the relationship. It took this recession before I realized that this was all crazy! Oprah’s show, “Recession Proofing a Marriage,” started a provocative and stimulating discussion for us. Would a marriage survive if one person lost his or her job? For one couple on the show, it didn’t seem to be good news. After the husband lost his job, the wife moved out and took their child and her parents took her in. They also wanted her to get a divorce from the now “loser” husband who couldn’t provide for his family. The wife admitted that she expected her husband to be in the driver’s seat and always saw her role as passenger. Using this analogy, one blog reader asked if they were in a car and her husband had a serious injury or couldn’t drive anymore, would the wife just sit there and let the car crash and risk their lives? Or would she step up, take over the wheel, so that both of them could live? (I think this is worth mentioning because it’s how I feel about a good relationship.) So, after watching the show, my fiance and I were appalled at the woman and her parents! What?! Just because the husband lost his job, he also has to lose his wife and no longer be a father to his own child anymore? How and why does money define us so much?

When my fiance and I first started dating, he told me that his biggest fear was not being able to provide for his family. I think this is a big fear for a lot of men, but no one had ever said it out loud to me. While dating, money was never much of an issue. But when we decided to get married, we started talking about finances since it’s the #1 thing people argue about. We soon discovered, to my dismay, that we have extremely different financial situations and very different ways of handling our personal finances. We started to argue quite a bit over this “new” discovery because although I have never dreamt about the fairytale wedding, I HAVE dreamt about a better financial picture. Well, after the recession hit, and my “steady” gig of almost a year and a half ended (really long for television, I may add), I started to “slow down” and see my fiance in a radically different way. No longer did I see our relationship in terms of how much money we made. (And yes, it was partly because I was no longer bringing in any money besides unemployment.) He was the one who went to work every day, and I was very unproductive (for about two weeks, then before I got another gig, I decided to start volunteering.) But while I was out of work and unproductive, my fiance never once said to me…”Hey, sweetie…since you’re not working right now, do you think you could do more around the house?” Instead, when he came home after a very long day at work (usually 10-12 hour days), if I hadn’t made dinner, he would just roll up his sleeves and do it! He was supportive (told me everyday that I deserved a vacation after working so much in the last year or so), kind, uncomplaining (Well, he never really complains about much. I just had not noticed before.) All of a sudden, he turned into the man of my dreams, and I didn’t even know what those dreams were made of before! And although I used to be super cynical and agreed with my Grandmother that “Love doesn’t buy the bread.” I, now, see that Love may not buy the bread, but it definitely helps you to get through the hard times together. It also helps that I slowed down and really saw what I am grateful for…my health, my supportive family and friends and their good health, my loft (a roof over my head), nice and fun neighbors, no debt and a year’s worth of expenses saved so I can eat and sleep at night, and most importantly, a partner in life who makes me laugh and gives me love and support. I think he will make a wonderful provider for his future family, and I am so lucky he found me.



{April 13, 2009}   Recession Re-invention
The view from the roof of my loft

The view from the roof of my loft

Since Heather, Carla, and I launched this blog, officially, a week ago, I’ve gotten some questions and concerns about my work status. (Even my own mother has said she didn’t realize how many times I’ve been laid off and how incredibly depressing it is!) Well, let me assure everyone that I am working on a show, and I am not here to depress anyone. In fact, the opposite is true. I’m hoping to help and get help with living WELL in this recession.

I want to first explain that I have only been laid off (fo realz) once (the news job in D.C). But I’ve had to look for a new job about 11 times in the last five years. That’s because TV shows end. If I’m lucky, I’ll work on a show for an entire season or two because that show is doing well and has gotten picked up for an extra season . If I’m not lucky, or if I’m just working on a pilot, that show will end in a month or two. Believe it or not, even though I’ve had to look for work 11 times, I’ve only been out of work for only 3 or 4 months in the last five years.

Here’s what I’ve learned from constantly changing jobs:

  • I really enjoy it, and it’s not for everyone. I used to be commitment-phobic. Now, when other people (usually guys) say they’re commitment-phobic, they’re usually telling a girl that they’re not that into them. For me, from the ages of 22-30, I couldn’t commit to cities, jobs, OR boyfriends. During those eight years, I moved NINE times, lived in 8 different cities, and had maybe 8 boyfriends (well… I don’t know if I’d quite call them boyfriends but there I go again with not really committing to them). Well, you get the point. Being a freelance producer fits my personality to a tee. I am a super hard worker, but I do get bored easily. As a TV producer, I am never bored. I’m doing something different every single day. TV is perfect for the A.D.D. personality. And… since I am freelance, I always have the option of moving on to the next show. Now, Fiance, if you’re reading this… I am not commitment-phobic anymore. I have lived in Los Angeles for six years now, and I actually do want stability. That’s why I bought a loft a year ago. Having a mortgage is a BIG responsibility and makes me want to have more of a full-time job… but this is also why I’ve saved up a year’s worth of expenses and why I’m thinking of postponing the wedding. It’s also why I’ve paid off my credit card debts awhile ago, which takes me to the second thing I’ve learned…

  • You do need an emergency savings and not rely on credit cards. It’s too difficult to pay off those cards once you’re working again. And c’mon, when you’re working… don’t you want every penny to belong to you and not to some credit card company? The interest on those cards add up pretty quickly. If you charged a burger on a credit card and didn’t pay off that card for a year…you’ll end up paying something like $100 for that burger! Better be the BEST burger in the world, huh? (If you’re trying to get rid of c.c. debt, read my last post or check out Suze Orman’s site. She has a great system that helped me too.)

  • Network. It may seem like an easy thing to say, but since I’ve started working in entertainment, I have never gotten a job without being recommended by someone else. I’ve never just applied for a position and gotten it. I’ve landed a couple of interviews without knowing anyone, but eventually, they seem to just go with someone they know. And just in case you were wondering, networking goes both ways. If someone helps me, I’m more than likely to help them. I also love having mentors, and I love mentoring. But I don’t always know when someone needs a job so it’s important to put it out there. It’s really no shame to be out of work. Work is work. It shouldn’t be who you are. And if you think you’re not good at networking, take another look at how you network. It’s about establishing relationships, not perfecting small talk or winning a popularity contest. I like to network with good people whom I’d like to be friends with anyway, which makes it easy to ask if they want to go to lunch, have a drink, or send a resume to their boss.

  • Re-invention. This recession, for me, is all about re-invention. Madonna is the mother of re-invention, and it’s really the reason why she still sells out stadiums. With my first lay-off as a national radio news anchor, I had to figure out what I really wanted to do. Within the last five years and a dozen jobs later, I’ve had to learn and adapt to new technology and ways of thinking. I am learning all of the time, and reinventing ways of becoming a better, more efficient producer/writer. Now, I have also never understood people who complain about their jobs. I’ve always thought that if you really hated your job, you should quit. If you were laid off from a job you hated anyway, I think this is the perfect opportunity to find what you truly love and what you are truly meant to do with your life. It’s such a cliche by now that it’s always the most fulfilling to have a job that you would do for free…but it’s so true. Think of this lay-off as a blessing. If you have kids, you can now spend more time with them. If you’ve always wanted to be a stained-glass maker, you can learn how! I have a friend who went to massage school when she thought she was getting laid off because it’s something she’d always wanted to do. Several friends applied to law school, and another friend is starting her own business. Think about what you’ve always wanted to do. What do other people tell you you’re really good at? Write down your thoughts, dreams, fears, and goals. Put together a game plan, a business proposal, or just go for it. I’m trying it out, and I believe my dream and yours will all come true.



{April 9, 2009}   Recession Proofing a Marriage

img_seashellcenterpiece

Today’s Oprah was all about recession-proofing marriage. Is that even possible? Now, I’m not married, but I am engaged. Since we all know that couples fight mostly about money and sex, my fiance and I have extensive discussions about finances. We’ve even gone to pre-marital counseling. Now, I’m a realist.  I’ve had to be, and although our financial picture has not changed that much recently, we are closer to each other now, more than ever, in this recession.

Before I worked freelance as a TV producer, I didn’t really know much about money. I racked up credit card debt in college, like a Freshman adding the inevitable 15 pounds. Looking back, I laugh because I think my best friend Ryan and I thought we were rich! We took cabs, instead of the subway. We ate out at nice restaurants a LOT. I mean we were going to Ye Waverly Inn before it became a celebrity hotspot with its own Vanity Fair blog! Now, I even worked my way through college with THREE jobs, so you’d think I learned something about the value of money. But it’s difficult when no one ever wants to even approach the subject.

So how did I learn? Well, essentially by getting laid off for the first time in 2002. I was a news anchor in D.C., and right before the country went to war, this company (which will not be named) laid off the entire news staff. But their questionable decision was my path to a new world — the world of television and entertainment. I loved it. My first job was on a style/fashion type show, and if you know me…that’s always been one of my passions! I know designers like a 6 year old boy knows Hot Wheels. After two years working on that show, the network decided to move it to New York City, and that’s when I began to realize the importance of networking. I also figured it was necessary to have some savings. Now, I was still living with my parents then, and they will always support me. But it was time for me to get my own financial situation under control.

My first step was to figure out how to get rid of my credit card debt. I transferred everything onto a 0% card, and I applied anything extra out of my paychecks towards paying this card off. I, eventually, even transferred my student loan onto a 0% card. I don’t know if that’s a wise move these days because financial experts always tell you not to move your money from secured debts to unsecured ones. However, this really helped me.

My brother also helped. He consolidated one of my student loans with his, paid it off, and I just paid him monthly (without interest). (My brother is really the financial guru in the family. I hope to be him one day.) Soon, after paying off all of my debts, I started saving, and I now have roughly a year’s worth of expenses saved up.

Now, here’s the dilemma. My fiance and I have been engaged for a year now. We wanted to get married this August. But with the recession, we’d like to have an even bigger emergency savings because my savings would only cover me. If we were both out of a job, it definitely wouldn’t cover him. Most of you are probably thinking this is a no-brainer. We should just wait to get married, right? Well, not so simple. A lot of wedding locations, florists, photographers, etc. are offering deals THIS YEAR. And I’m a sucker for a bargain. So, to get married or not to get married. That is the question. And…just in case you were wondering. The question is NOT to have a cheaper, lesser wedding. I’m all about getting the BEST for LESS. I just need some help. ~Katy



et cetera