One word: Homeschool.

This School in England Is the Worst School Ever

During a fire drill at a middle school in Worcester, England, students aged 10 to 13 looked on in horror as "as a man appeared brandishing a gun and appeared to shoot dead Mr. Kent, their science teacher, as he ran across a field." It was only ten minutes after the shooting that teachers revealed the whole thing to be fake. The exercise was apparently "intended to teach Year 8 pupils how to investigate, collect facts and analyse evidence." They couldn't have just pretended to lose the class rabbit, or something?

Back at the end of the rope

Well, things were putting along rather well, all things considered. True, we had to "eat" the debt snowball, but the new contract hubby signed was more generous than the last, leaving us with a smaller shortfall each month than before. I've been getting numerous assignments, and although several all-nighters have had to be performed to meet deadlines, the cash was handy. We still don't have enough to get new clothes for the kids (and by new I mean Goodwill, not new new.) But, the mortgage is paid and there's food on the table. Hubby's been working 16 hour days, 8 hours on the book that pays the bills, then another 6 hours at night on assignments that have paid the property tax and other once-yearly expenses. We're all pretty wiped out, and most of us are ill. But we're hanging in there. I'd set aside a little money in a savings account for taxes, but didn't anticipate we'd have a big tax bill. After all, in past years, we've always had a good-sized refund.

We did the taxes this weekend and I am swinging between anger and depression. We didn't really think about being "self-employed" when hubby got laid off. We just scrambled for cash. We are still just scrambling. We're sending out resumes constantly, but there are no jobs. It's not like we've started a business, we're just trying to keep the kids fed and stay out of foreclosure.

The IRS doesn't see it that way, unfortunately. They see us as self-employed, and want to charge us a hefty penalty because we can't find employment. Here I thought I was doing a good thing, staying off public assistance. But we'd probably be better off if we were.

The final numbers look like this:

We had $20,000 in taxable income
We owe $6,000 in tax

How is that even possible??? The measly little chunk I set aside is not even going to put a dent in that bill. And we're already late with the first quarter's payment for 2010. We could sell the car and walk every day to the grocery store, forget about church and send David packing the four miles to his work everyday. That would take care of about a fourth of what we owe. We could sell the house, but that wouldn't help because I found out last month we're upside-down in the mortgage (meaning we owe more than the house is worth.)

I'm just beside myself. I am so very angry that I didn't remember the "self-employment tax," that we were so woefully unprepared for this, that we've been scrambling so hard and so fast to wind up so far behind. I'm so terrified about what's going to happen next. I'd rather be dealing with the mafia than the IRS. I don't see any way out of this mess and the hopelessness is dragging me into a very unhappy place.

Christmas may come now.

I have seen a cardinal in the snow. Christmas may come anytime now. I tried to get a photo of her mate, but he was so shy that every breath scared him off. He was a beauty, though.

Yup, we got it.

Well, at least the last 19 days of quarantine haven't gone to waste. The two littles did come down with chicken pox. No sign of it on anyone else, so I'm thinking that it's the "regular" kind and not a "superbug."

I gathered up all the loose change in the house for grocery shopping. I was able to plan meals for three days for $50. I'm thinking surely something will shake loose by then. Right?

Updates

Okay, well, it's been a really interesting month so far. My toe/foot is still very, very painful. I can be up and around for about 20 minutes before I MUST sit, though, so things are starting to get done again.

Hubby went to the doctor to get refills on all his prescriptions. Without insurance, just walking into the doctor's office cost $120. He's down to four Rxs now, and thankfully, the expensive one has gone generic, so instead of $500, it's "only" $300. Yowza. We can't even afford to pick them up, so I have no idea how he is going to get through the next 1o days of no sleep.

Several other unusual payments have come due this month, and with 13 days left in the month, our bank balance zeroed out. We gathered up all the money we were given for Christmas (thanks, Mom!) and deposited it, so at least we're not in the red. But I have no idea at all what we are going to do for food and gasoline for almost 2 weeks.

February is going to be even worse. In February, our property taxes (of $1000) come due. We also have several other major expenses that put our budget out of whack by more than $2500. I can't wait to see what God does to rescue us from this annual pit. Yeah, sure, it'd be real good to set money aside all year for the February pit, wouldn't it? Sure, if there were no such thing as car breakdowns, sudden medical costs, and the like.

I've asked for all the hours I can work, which means bad food, unattended kids (no, not really, we both work at home so they aren't unattended, just not as attended as they usually are) and stress. Yuck. But I'm thankful for the hours that will bring in a teensy bit of money. It's not enough for groceries even (nope, not even beans and rice three meals a day) but it's something.

Then there's chicken pox. When the Christmas break was over and the public school kids were ready to go back, we had a snow "storm" (half an inch) that cancelled school for three days. My two youngest got to play with a friend they haven't seen in a year. She's just been through a divorce and there's no time for friends anymore. Three days later, we get a call: she's got chicken pox and my girls have been exposed. Oh, and the little girl had been immunized, so we have a 50/50 chance that the variation we have is beyond our immunity.

Back in October, my mother in law and I began planning a big surprise birthday party for hubby. He turns 50 this year and LOVES parties. This would be his first since our marriage. Of course, with a pending plague in the house, we had to cancel the party. And the plane tickets his brothers bought to fly out. And his mother's plans. And, and, and...

Oy.

I've been kind of low the last couple weeks. I'm sure glad it costs nothing to lay in bed because that's just about all I'm interested in doing right now.

Figures.

We got a note that our health insurance has been cancelled. The Lord took good care of us, 20 months without paying for insurance that we were covered due to "admin error." And other than a few prescriptions, we haven't needed it. But, the error has been found and corrected so we are now on our own.

The most expensive prescription is hubby's sleeping pills. He thinks he can switch to generic, which will save us some money over the $500 retail price.

But I've broken my foot.

It's not awful, at first I thought it was just a broken toe, which doctors can do nothing for. I know this because I've broken my toes a LOT in my life. This time the bruising and swelling are not just on the toe, but the top of my foot all the way to the ankle and the sole of my foot, too. It's been five days and it hurts almost as much as that first day when I step on it. The house is a mess, the chores are not getting done (because no one is checking them) and I'm getting really antsy.

Where I came from:

Where I am now:

/whine