Time to Take the Helm

It’s an uncommon spring break this year.

Not only are my kids (and I) untethered from the structure of ‘homeschool,’ but we’ve also been progressively restricted as to where we can go. Beaches and state parks have been closed and going to the grocery store has become a place for public shaming. STAY AT HOME is etched on the inside of my forehead. My current mental anxiety not only registers in the red zone because of  Covid-19—but perhaps, even more so, from the public judgment that seems to become more stringent with each passing day.

We all want to get this right.

To add to this, my husband, The Breadwinner is out of a job. He is a commercial fisherman and at the moment, the fishing industry is closed. Salmon season has yet to begin, but even more troubling is that the fishing council is proposing an ‘altered’ season—one in which fishing is allowed on a week-on, week-off basis in an effort to predict market needs. Unfortunately,  while this may sound like a reasonable step to take during these perplexing times, it does not take into consideration the natural migration of the salmon, nor does it take into account the weather, which is, at best, tempestuous, and even during a good week, interferes with fishing.

For the last two weeks, he has been lucky enough to pick up construction work—unfortunately, that has dried up also.

Our last source of income, our rental property—a house and attached studio—continues (cross our fingers) to bring in rent. I feel really lucky and grateful to have both of our renters.

So.

In the coming days, I plan to do a major financial overhaul—and I’m dragging you with me. My first move is to take a look at all of my accounts and thoroughly assess what I have, what I owe, and what I can do to improve the outlook.

I’m going to write about my progress and the steps that I am personally taking to address this sudden lack of income within these uncertain times. I’m going to try to figure out how to hang on to what I have, sort out the necessary, versus the unnecessary bills, look at ways I can reduce my spending. I also plan on shining a light on ways I am trying to make money during this crisis, as well as financial options, such as loans that are currently available.

Right now, the future is unknown. We really have no idea as individuals, or as a society, how far this might go. But, I’m not panicked–yet. I feel like I’ve been through hard times before—essentially I grew up this way, with ups and downs that made me feel rich despite living very frugally. I also don’t believe that panic and hysteria are healthy ways of living. Right now, I’m happy my family and I are healthy—and I want us to stay that way. Right now, we’re good—a perfect place to start.

 

 

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