i just ran from my apartment to the library in dark clouds and thick wind, a green sundress and penny loafers. this morning i thought i lost my favorite brown sweater, but they had it at highland. i don't remember leaving it; i virtually always remember where i put things, and it made me feel like i was drunk last night, that i have no recollection of leaving my sweater at highland.
mom called me last night at 10:30, which is crazy, and she had just gotten home from baton rouge. she'd been waiting all day for her bill to go up in the legislature. but it didn't. and we chatted about stuff, and i mentioned that i'd gotten a notice from the women's clinic saying i owed a balance of 22 dollars on the second installment of my HPV vaccine. i don't generally ask her for extra money. lately i've been asking for gas money if i drive long distances with/for michael, because my current gas budget is 2 tanks per month. but other than that i don't ask for extra help. my budget is so tight right now, though, that there's not even room for the 22 dollar vaccine balance. i don't feel too guilty asking for help when it comes to health-related stuff. and it's just 22 dollars.
but when i asked her, she hesitated. and told me that money was really tight, all of a sudden, because dad stopped sending a check every month for child support (michael just turned 18 and graduated from high school). but she could give me 22 dollars, yes, she could do that.
and i'm thinking, jesus, she's reluctant to give me twenty bucks for a vaccine? what about the other stuff she'd offered last month to pay for?
-- electric piano repair (circa 1995; middle C is messed up; michael will use in college)
-- digital camera (going-away present for spain)
-- buy my car (for michael to use in college)
so after we hang up, i'm considering my options. i can get an estimate on the piano and forgo the repairs if it's going to be unreasonably expensive. for the past month or so, i've been working odd jobs (sewing, line edits, scanning stuff for dad, selling clothes, video editing job lined up at a local nonprofit), the earnings of which i've saved first for my trip to chicago in july, and now with an eye towards new dance clothes. but instead of dance clothes, i could use that money to buy the digital camera myself. or i can buy it now with my current savings and pay myself back with some of the money from the car.
the car. this is the kicker. i am budgeting my income so that i'll have $10,000 in savings when i leave. according to the kelly bluebook, my 1999 corolla (CE) with 103,000 miles on it is worth $4740 in good condition.
the money from my car will go towards:
1) paying off my car note ($440 by september)
2) buying my plane ticket (between $400 - 800 depending on if i buy a return ticket for christmas or just get it one way)
3) more savings.
my plan is to be financially independent when i leave for spain.
right now, my mom pays:
-- car insurance (about $100 / mo)
-- health
insurance ($100 / mo and superfluous since i also have it through work!)
-- cell
phone ($60 / mo)
-- low-limit credit card ($350 / mo).
when i leave, she can take me off the car insurance and credit card for sure. she can take me off the cell phone plan, too, but i want to review the policies to see how i can keep my number for when i return (breton, what did you do with your phone?). and she can also stop paying for my health insurance (she can stop immediately!) but she's reluctant to do it, because even though i'll have health insurance with my job in spain, she doesn't seem to think it will be good enough.
i should have enough in savings to cover anything my monthly income (631 euro, or $845 at the current rate) doesn't - and still have enough left over to be okay when i come home. but the money from the car is important. that's my real cushion. i need to get as much money out of that sale as i can, so that when i come home from spain i can get on my feet.
coincidentally, my brother will need a car when he starts LSU. you can live in baton rouge without a car, but it's far from ideal. i lasted till october of my freshman year - i ended up getting my mom's 1994 corolla so that i could drive myself to dance class at the studio on bluebonnet, twenty minutes from campus. (for the first two months of school, my boyfriend drove me to dance class. there wasn't enough time for him to drop me off and go back to the dorm, so he would sit in the parking lot for 1.5 hours and read or nap. he never complained. his selflessness was astonishing. finally we went to visit my mom and i told her what he'd been doing and i was like, "it's ridiculous. i need a car.")
as brett pointed out, it's customary for family members to sell their cars to relatives on the very cheap. so i'm sitting here, looking at the blue book value of my car, and knowing that my brother needs this car, and that my mom offered to buy it, and that she apparently has very little money - so little that she might not be able to buy the car for any price, cheap or not. and also that i need all the money i can get, so i can be in a position where i don't have to ask my parents for help. and simultaneously feeling like i'll be a bad, selfish, ungrateful daughter to ask for more than, like, $2000.
and i'm thinking maybe michael and i can ask dad for help, maybe dad will buy the car. or maybe michael can take out a loan from dad. or he could take out a loan from the bank and dad could co-sign on it.
but michael would have to start working now - and he'd have to take the room & board scholarship option, and work not only on-campus but off-campus as well, waiting tables or something equally lucrative. we talked briefly on google chat - i told him the latest with the car stuff, and told him my ideas for how we can make this work. he said he'd followed up on a couple of the craigslist job posts i'd sent - reginelli's and landry's in lakeview. the lakefront is a five-minute drive or very reasonable bike ride away, although the thought of michael on a bike on veterans boulevard makes me want to vomit. but still, restaurant jobs for the summer - this is good.
then i called my mom for lunch (she said she would be in baton rouge again) and she was still in new orleans and apologized for not having let me know. i wanted to bring up the money situation but couldn't manage to do it. then she called again while i was finishing my lunch and said she'd talked to michael about the car stuff (i guess he brought it up after we'd talked about it) and that she'd thought i was asking $2000 for it, but if it was $4000, she couldn't afford it. and i said yeah, i know. and i said the thing is, michael needs a car. he's not going to have to take out student loans for school, so maybe he could take out a loan for the car.
she said she didn't think he could take out a loan.
i said, you could co-sign on it.
she said, i don't know if they do that.
i said, i'm pretty positive they do.
she said, i don't know if i could even take out a loan right now.
she said, he'll have to work and save up money to buy a car.
i said, "the thing is, he needs the car to get the job to make the money to buy the car. you know?"
she sighed yes. we talked frankly about finances, what she was paying for me, what she could get rid of when i left. i asked her if it was going to help much and she said "are you kidding? it will help a lot." and that made me feel good. i told her i was willing to sell the car for less than it was worth, but not much less, because i needed that money so that i could quit asking her for help in the long run. she said of course. she said i needed as much money from the car as i could get. i actually choked up when she said this. i said, "it is such a relief that you understand about the car thing." she said of course she understood, that when family members give their cars away it's because they don't really need the money - but when you need the money, it only makes sense to make as much as you can. i told her hearing that made me want to cry. because i'd felt like i was selfish for even asking for money. and she said, "oh my god, i'm sorry you ever thought that. we should have talked about this sooner." and i told her about all the extra work i'd been doing, and she said she was proud of me.
and she said, you know what, i think we can make this car thing work.
i brought up the other expenses we'd talked about last month: the piano repair and the camera.
i told her i was waiting for the price to drop some more on the camera i wanted, and that i was hoping to get an estimate on the piano this week.
and she said she wanted to hear the estimate on the piano (she asked if i was taking it to spain with me - !!!! - i was like, yeah, mom, i'm going to wheel it around on a rolly cart while i'm looking for housing in granada. and also, seriously, that michael would really like to have it while he was at LSU.)
and she said she wanted to buy the camera as my going-away present.
i said, i can split it with you if you want.
and she said, no, you know, i really want to buy it. i want to do something for your going away.
and i said, well, that would be the perfect present.
not only was it a huge relief to end this conversation feeling like michael's and my needs will be met with effort on all our parts - but it was also nice just to talk calmly and seriously about practical things with my mom. she usually tries to keep this stuff a secret from us so we don't 'worry' about money - but then we can tell money is tight and she is obviously stressed out and acts kind of passive-aggressive about it, like it's our fault for not knowing what she didn't tell us and for being expensive. it's so much better to have it out in the open. then we can actually do something about it.
buy this car to drive to work, drive to work to pay for this car.
in other news, i found a craigslist post requesting short stories about one's first menstrual period. this is the first creative writing post i've ever had a stomach feeling about - not counting my first round of craigslist queries and the play adaptation that ended up being urban erotica. i emailed the lady and she said she's based out of boston, trying to compile a collection of first period stories because she thinks it's interesting, she works as a technical writer, and she has friends in the industry who could help her get it published. she said her own story was well underway: "Think sharing one hotel room, on vacation with
my entire family, including a very loud, overly proud-of-an-emabarassing-event
mother." and she said she was looking forward to reading my story.
i don't know. like i said, i have a stomach feeling for this. there are some stand-out moments i can think of (i'm sure that's true for everyone) but i don't know if i could make it an interesting narrative. but it's worth a shot, i guess. i'm half-inclined to post a draft on this journal, but i worry about grossing ya'll out. what do you think? if i tell you mine, will you tell me yours? maybe you can even send in your own versions. she says she'll pay $500 for each story if the book gets published.
and
from How I Grew, sort-of sequel to Memories of a Catholic Girlhood, by Mary McCarthy:
The power of choice I held affected me as an urgency, forcing me to take out a
book before I was fully prepared, hurrying me to make up my mind as though behind me
there were a crowd of other borrowers. Summoning resolution, I picked a book from the
shelves and advanced to the counter. It was The Nigger of the Narcissus. The librarian
looked at me; I looked back at her. She took my card and tucked another one, stamped,
in a flap at the back of the volume. I had the impression that she might say something, but
she let me walk away. In my mind was only the vaguest notion of who Joseph Conrad was
or had been.