Saturday, July 20, 2013


In case you don't know this about me... I am a planner. I love plans. I love checklists. I love marking things off all neat and tidy. I also have a very strange love of amortization tables and seeing things paid off.  I don't like debt, but house debt is a necessary evil if you are going to invest in rental properties. I have spent a HUGE amount of time over the last couple of months pouring over our finances and moving towards expanding our rental business.  I am a bit OCD when it comes to these things. Even if I have worked through the numbers once or twice, I must do it again and again to be sure I did it correctly.  At the beginning of this year, I pulled a notebook off my bookshelf.  It was a partly used notebook - well because we homeschool and notebooks get used randomly, but not always finished. As much as I love my iPad, I have a need to actually write my budgets down on paper.  I flipped to the back of this notebook and found several pages of Timmy's handwriting.  It was his Apologia Biology homework from a decade ago. These things stop me in my tracks. I always am aware he is gone from this world. Occasionally, little things pop up and it feels like I have been kicked in the gut and at the same time I feel joy because it is proof that he was, indeed, HERE! Where am I going... don't you love how I ramble? So, at the very front of this notebook I began my typical monthly budgets. We use our credit card for nearly everything and while it is online - again, I feel the need to actually write down the purchases and make sure we are in line with out budget. Yes - I have Quicken. I do it there too, but not daily. Yes, I said I was OCD, remember? Recently, I decided to do a much larger business plan. One that projected the next 5 to 10 years. I broke out the amortization tables (yes, I am a nerd).  I figured one scenario and then another. At the end, I felt satisfied. I had done the homework. I had built in several emergency plans. I was at peace with our decision to move on and purchase more properties. Then this life event happened... my newest granddaughter in love was born last week. And I really, really want to go down and just hold her. I want to talk baby talk to her and tell her that Mama Kari loves her to the moon and back. But I have these plans and they are written in a notebook. They say that realistically, I should rent these properties as soon as we close, save for a bit and then head to Florida. Disclaimer - I fully believe you should live within your means. For me there is living within our means and then living within a very strict set of sometimes INSANE means that I set up. Seeing the baby isn't really the problem with the budget. The other part of my insanity is that I think if we go to one place, then surely we should go to another. If we are driving to Tampa Bay, then why not go further and drive to the Florida Keys? Sebastian has never been and we haven't been in 10 years.  Coincidentally, about the same amount of time as when Timmy wrote those answers in this notebook that is sitting here staring at me.  We took the whole family to the Keys in August of 2003.  We had plans to take Timmy snorkeling for the first time.  Then Tim got a kidney stone and he had to get him home for surgery. The snorkeling got canceled and I remember very clearly telling Timmy that we would plan for another time.  Well, that time never came. We never were able to make it back down to the Keys. When you lose your child, you have so many regrets. Silly little things and big, important things.  So, I was sitting here looking at the page on the left that holds our long term goals for the next 5 to 10 years and on the page next to it - my son's biology homework. I was thinking that we don't know how long we have on this side.  We don't know what the future holds. We do know there is a sweet baby girl in Florida that we have never met. And we do know that we could make amazing memories with our kids in the Keys. So, here I sit wondering... do we stick with the plans or occasionally throw them clear out the window (with caution, of course!)? 

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