NetChallenge
Savings, Loss or Scam: Is Pet Insurance Right For You?
I’ve spent a lot of time over the past few months looking at pet insurance and seriously considering the pros and cons of it. With two new puppies in the house and having gone through added medical costs in the last months of Roxie’s life, I decided I really needed to investigate the pet insurance options.
Pets are an investment. Pets are expensive to care for; they become valued members of our family. So how can we best protect them and be prepared for emergency situations?
Pet insurance seems like an easy solution, right? Well, maybe. It’s not as affordable as you might think. It also doesn’t cover everything you’d hope it would. In fact, reading through some policies will leave you scratching your head, wondering exactly what it does cover.
Unfortunately, navigating your way through the various policies, coverages and fine print is as complicated for pet insurance as it is for human health insurance. Many options, deductibles, varying premiums depending on the coverage; lots of exclusions and vague language that suggests many of the policies won’t pay out– at least, not the way you would expect. You don’t always get what you pay for.
A Financial Decision
The idea of pet insurance sounds like a good investment… but is it worth it? It’s always a good idea to educate yourself before making such an important financial commitment, no matter how logical it sounds to you initially. Do the numbers, compare and read before you sign.
Coverage could be the best way to go for people on a tight budget, that might not be able to afford a large unforeseen expense. It’s also a good option for people that, by making a monthly payment, will give them a sense of security and peace of mind.
For people that can afford an immediate and unexpected outlay of cash; coverage may not be beneficial. Especially, if your pet lives a long, healthy, incident-free life.
There are two main options to consider first: pet insurance and/or a wellness plan. These are two different protections that do not cover you for the same expenses. Some companies offer one or the other and some offer both options– charged separately. Pet insurance starts with a chosen deductible amount and can cover medical care, surgeries, emergency procedures and some medications– BUT, what is covered depends on the individual policy. A wellness plan does not carry a deductible (in any of the examples I have found) and can cover many of the reoccurring, yearly costs of preventative care. These can include: health check-ups, vaccinations, heartworm, flea and tick preventatives, spaying or neutering, and sometimes even discounted grooming services. All plans are different, as are the costs. Many I found are $25-$40 a month per pet.
Pet Insurance
Most companies offer plans with deductibles of $0, $100 or $500. The better the coverage, the more it costs. Most companies do not cover preexisting conditions. Yearly wellness and preventative care are not covered by any of the pet insurance policies, from any of the companies I researched. When looking at insurance, make sure you read the complete policy to be sure all your concerns are covered. There are many exclusions you would expect to be covered. Several companies also provide additional coverage (riders) for more specified health concerns, adding to the cost of your plan.
The least expensive plans I could find, providing what I would consider average or basic coverage, was just over $2,000 a year, with a $500 deductible, per pet. Policies easily climb in cost up to around $6,000 a year.
In the long run, most pet owners do not benefit from the coverages. In some cases, the policies are written in a way that the companies could legally avoid any actual payout. It’s legal– but I still consider it a scam. Negligence is subjective. Most policies will not pay for services that are needed as the result of what they consider owner negligence. Many accidents and incidences such as the ingestion of foreign objects, could easily be classified as negligence.
I also found that, except in the most extreme circumstances, most people pay more for insurance coverage than if they paid for medical care out-of-pocket. In most of the cases, this costs pet owners $2,000-3,000 more annually for the insurance, even if minor unexpected medical services were needed.
Wellness Plans
One of the main benefits of a wellness plan is that you pay a monthly premium that spreads the costs of preventative care over the course of the year as opposed to all at once. On average, the cost of a wellness plan is pretty much equal to what you will need to spend each year on your pet anyway. Some wellness plans offer discounts for multiple pets so there could be a savings there. If you have a wellness plan that covers all office visits, you might find you are more likely to be proactive regarding any early signs of possible illness.
Insurance is a gamble. You put out a sum of money now, in the hopes that it will pay off (protect you) in the future. If you carry insurance, pay monthly premiums and actually need medical treatment, then it’s could be worth it.
Important to Note
I’m purposely avoiding too much discussion on specific companies. I recommend doing a review and complaint search online before you commit to any company.
I do have to point out that where most policies’ deductibles cover annual costs, Trupanion’s deductibles are per incident. I did not even notice that fact until it was pointed out to me in one of the articles I read. Each accident, illness or incident would require you pay a deductible for each, prior to insurance paying for anything.
I found a really good article in Consumer Reports you should look at before purchasing pet insurance. It will help you along the way, give you some idea of what to look for; and help in deciding whether this is the best decision for you and your pets. It compares several polices and gives several incident scenarios that might help you decide.
Alternative Options
If you are disciplined enough, you might want to consider putting a certain amount aside each month, maybe opening a savings account; to accumulate funds in case of an emergency or to cover future expenses. There’s always the risk you might be tempted to use the money elsewhere; but if you end up not needing to use the funds over the lifetime of your pet– the money is still yours.
I also found a company called Pet Assure that offers a 25% discount program, for an annual fee, on all services. They have rates for individual to unlimited family pets– which could provide a huge savings. There are no exclusions with this plan. The program does require services through participating facilities. There may be other programs out there you might want to look into providing a similar savings.
Our Decision
Michael and I decided that at this point, neither pet insurance nor a wellness plan was the right decision for us. We might sign up for a discount program in the future; but again, at the current time it does not benefit or protect us financially, in a way that we need.
I hope this helps some people considering coverage. Coverage is a personal decision. Never let anyone pressure you into committing to a policy that makes you uncomfortable. The most important thing is that you do the very best you can to keep your furry family healthy, happy and safe.
Of Puppies, Snowflakes and Fallen Angels
Yesterday started out simply enough: I woke up, made coffee and got my early morning grocery shopping out of the way.
The next thing I knew, it became just one of THOSE days…
I had to wait for a train on the way home and hit every traffic light. There was no one else on the road. Michael woke up late and was rushing around getting ready, while also trying to get the dogs fed and settled– when I walked in the door.
I put the groceries away and turned around to discover Belle had learned a new trick. She had figured out how to jump up on the basement table–and she was eating the cat’s food. She had just had her own breakfast.
Yes, one of those days.
It’s too cold, too early in November with a wind chill of ten below.
Belle and Cash did not want to be outside. Dudley didn’t really seem to care. Whenever I tried to get the bigger two to go out, they’d just stare through me like I wasn’t there. Dudley really has no choice, his little bulldog puppy legs are too short to maneuver the stairs so he gets picked up and carried.
I was trying to bring Christmas decorations in from the garage, beating myself up for not putting them up sooner, while it was warm. This is what I get for trying to be a considerate neighbor by not putting them up too early.
It snowed a really fine snow, off and on, all through day with only a little accumulation. If it wasn’t cold enough already, the fierce wind made it brutal.
I’m decorating the exterior of the house, pretty much the same way I did last year, with a few minor changes here and there. I’d hung the large snowflakes on the porch over the weekend– but I hadn’t secured them and they were rocking and spinning with the wind. I was sure they were going to fly away with the real snowflakes. This prompted me to feel like I had to secure them today, despite the cold.
I rounded the corner of the house to find that not only were my snowflakes trying to take off– my two trumpeting angels had taken nose dives from the front porch, down the stairs. I’d already weighted them down with bricks– but not secured them to the railing. Apparently, the wind was strong enough to not only send the angels crashing to the ground; it also catapulted one of the bricks (as the angels went over) down to the sidewalk. Seeing the angels lying there, made me think of that horrible, current Life Alert commercial with the moaning woman and spilled clothes basket. This almost made me laugh.
Almost.
I put the angels back together, fastened them down, then secured the snowflakes before checking again on the babies.
I went in to warm up and see if I could get them to go out… no deal. So I kept working. Every time I’d go in to check, Belle and Cash were either curled up together on the rug, or Cash was by the door (waiting for me) and Belle was asleep on a big pillow in the chair. (Dudley was sleeping soundly in his crate during all this.)
I brought some more decorations in and finally convinced the dogs to go out– that is, I bribed them with treats. They did their business, only lasting a few minutes before they wanted to go back in.
Now, I know I should have taken their lead and just stayed inside myself and snuggled with them– but I really wanted to get some of these things done so I didn’t feel like I was getting behind.
When I finally did decide to stay inside, things didn’t get much better. Belle decided to climb up on the bed, get Cash’s stuffed toy and pull as much stuffing out as possible, spreading all over the top of the stairs. Two of the window snowflakes I hung, didn’t light up after I’d run the cords and had to come down and be replaced. Dudley decided the only way he wanted to play was to chew on me; chopping down on my hand, making it bleed. And– I was making a big mess of the dining room with the decorations.
It wasn’t completely bad though…
All this time, aside from not wanting to go out– Cash was my buddy. He helps me. He stayed nearby, stayed out of trouble– watching me; content to get an occasional rub or scratch behind the ears. Always listening to me while I worked, responding to my mumbling, by cocking his head and panting.
Altering my plan, I was able to get quite a few of my lights up– Even though Belle was doing her best to distract me with her mischief. Though sometimes a handful, it’s hard to get mad at those cute puppy faces. And Cash, well, he’s my proud old man.
I didn’t even bother to try to start cooking before Michael came home and he graciously offered to do it, while Belle and Dudley wrestled around on the floor. I kept working, we ate, then Michael took the puppies back down to play while Cash and I finished up what we could on the first floor. Translation: I was up and down the ladder and he snored away on the couch.
It was after eight before I finally sat down to finish my blog post… the next thing I knew, it was time for bed.
I was working on this post this morning when everyone got up… Annnnnd……
The day ignited with crashing pet gates, Belle trying to eat everyone’s food and Dudley chewing my toes through my socks….
Suffice it to say, it’s pretty crazy around here every day. If it’s not snowing and angels are falling to earth– then there’s some new unexpected adventure in the works.
It’s just another amazing day.
November Writing Challenge Update #2
I’m speeding right along with the November Writing challenge– staying on track with a blog a day and keeping up with my daily word count for the novel challenge.
I’ve picked up a number of new followers for this blog. (Welcome!) I’m finding it a lot of fun and sometimes pretty challenging to post every day. I hope my content continues to evolve as I explore different topics, getting closer to writing the blog I really want to write.
My current word count for the novel challenge is 32,633 words. I’m over halfway to the 50,000 word goal and still see this story going in so many different directions. I have a feeling I’ll be closer to 100,000 words before I’m done and ready to start editing.
Plot points are developing and the focus changing as I suddenly find secondary characters more interesting to write about. This free form writing has been really liberating and is pretty exciting. Sometimes I’ll go off in a direction and the words seem to pore out. When I’m done writing that day, I think, Wow, where did that come from?
There are times though, that the further along I get– the further away I feel I am from the end. Exploration was what this was all about for me, and I’m discovering a lot of things as I go.
The biggest thing is that I’m almost to the point where I feel comfortable saying, I’m a writer. I’ve loved writing since I was a kid but I’ve always allowed everything else to take priority over it. Stupid mistake.
I know I have a voice and stories to tell. Maybe I’m finally on to something.
A writer writes. A writer creates. A writer creates worlds where none existed. When a writer completes something. It’s theirs and theirs alone. That is, until it is shared. When it’s shared, the readers become owners and the ones that give it life. No two people experience the world of a novel the same way. It’s pretty fascinating.
Getting It Out of My Head
From the moment I wake up every morning my head is full. A song is playing in my head, a current event, my to do list, a dream, a person, a thought, an idea, a wish…. and they all take their turns circulating through, sometimes going head to head– sometimes waiting for their turn to be the focus, front and center in my brain.
There are a dozen things rushing forward that I want to do, can do or should do… a dozen things I want to write about, each one lighting another thought or idea; that new spark taking me down a different road.
“Sometimes I think my head is so big because it is so full of dreams.”
― John Merrick
You can probably tell, I don’t get bored too often. I do sometimes get frustrated trying to balance my thoughts and activities with the time I think I have to do them. Many of my thoughts relate to creativity with the back of my brain being filled with hundreds, if not thousands of partially thought out, half-developed ideas. Ideas that I’m not ready to put down on paper yet. Eventually, though, I do want to get them out of my head.
How much can our three pound brain handle? I looked it up. Various sources claim we each have somewhere between 12,000 and 70,000 thoughts per day. If accurate, those are some pretty incredible numbers.
My ideal (and unrealistic) solution would be to hook my brain up to a computer to output all my ideas into different files that I could sort, develop and then publish. I’ve found working on the novel and blog every day this month has helped me to get out of the habit of editing myself so much– as I go. My biggest challenge is getting the ideas out of my head first, fine tuning them later. I think so much faster than I type, so thoughts get lost.
My problem is that I like the details too much. If I can force out the original idea first, I think the important details will be triggered in my brain when I go back to edit and embellish.
I found a supposed, health site where people contribute their own diagnosis’ to people’s questions and there were some pretty interesting responses to this subject. Most suggested that if your head is constantly full of thoughts competing for your focus, you are either ADD or Bipolar. A few suggested it was a positive sign of a high IQ or high-functioning brain capacity. Suggested solutions beyond: seek medical attention, included: smoke pot or drink alcohol; drink caffeine; do yoga or meditate. I had to laugh.
I included the above paragraph, more for amusement than anything. I do want to comment though. That sampling of responses show, what I view as a significant problem in today’s society: label and medicate. Forget understanding, taking responsibility or control; don’t even try to change behavior or learn to harness it– make it a disorder and shove pills down its throat. That’s the answer to everything and it’s pathetic. I’m not putting down or trying to embarrass anyone that needs assistance. It’s just that in today’s society, there is no try when you can alter with medication instead.
Why do we have to consider thinking too much as a problem? Thinking sparks ideas, leading to innovations, actions and results. Not thinking leads to… well, what exactly? Not originality. Not creativity. Not solutions.
I’ll writing more on this later— but right now… something else is invading my brain. <wink>
The Art of Thinking Clearly by Rolf Dobelli
Beautiful Christmas – Before You Start Decorating
I took Belle to doggie daycare for half a day yesterday and took advantage of the time to start decorating our house for Christmas. I got five trees up, including the 20 foot foyer tree; not lit or decorated– but they are up– and that’s a start!
I want to share some of my experiences and some tips on how to make the most out of your Christmas decorating in a few posts over the coming weeks. I know it’s not Thanksgiving yet and even if you don’t plan on starting until then; it’s not too early to shop or at least begin thinking about what you want to do this season.
Whether this is your first time decorating or you consider yourself an old pro, I hope you find some ideas that will help you make the most out of your holiday decorating.
Before You Start
Especially if you are new to decorating, or looking to expand your efforts this year, here are some things you really should consider first:
- Budget. What’s your budget? Are you recycling old decorations or purchasing new for the first time? How can you save money?
- Storage. Where are you going to store all your decorations after the holidays?
- Time. How much time do you have to decorate AND take it all down?
- Size. How can you make the most of what you have? Is there such a thing as too much?
- Design. Do you have a vision in mind? Don’t know exactly where to start?
So, those are the five big things you should decide before anything else. You should consider these points in that order too. It’s great to have ideas first– but if you don’t ultimately follow these steps, you could find yourself coming up short down the line.
Budget. If you have an unlimited budget then you can skip this step. Most of us are trying to make the most of what we have; and believe me, it’s easy to go way beyond what you intended to spend if you’re not careful. Something that may start out as a simple idea can snowball. Before you know it, you’re either out of money or over extended.
Example 1– Trees need a lot of decorations and lights. The bigger the tree, the more you need. I always find if I think I need 6 strings of lights– I end up needing 8 or else I’m taking them all off and stringing them back on the tree again. At least with the ornaments, you can re-space them if you run out. I’m not saying you can’t have a simple, elegant tree. I’m saying that it’s so easy to start and then find yourself needing much more than you anticipated.
Example 2– Garland and swags. Yes, you can measure the areas you want to hang garland and swags and you can get a pretty good idea of what you need. Don’t be surprised though, if you don’t anticipate the extra you’ll need depending on how you drape it. I reuse whenever possible but garland doesn’t last forever. I’ve also noticed you can’t always find suitable garlands readily available form season to season. Prices have also doubled and even quadrupled in some stores this year.
Three ways to save money are: 1) Start early and watch for sales. 2) Don’t forget to check dollar and discount stores! You’d be surprised at what you can find. 3) Maybe go simpler this year and then make the most of the clearance sales after Christmas for next year.
If you wait too long, most of the good stuff will be gone. Don’t expect to find the shelves are still full after Thanksgiving. Trendy items and single color lights (even red or green) tend to sell out early.
A good rule of thumb is: What ever you expect to spend… double it. What ever you can afford to spend, cut it in half and start there as your budget amount.
Storage. Many people make the mistake of not considering what they are going to do with their decorations when they come down. You may not have room to store a large artificial tree and all the trimmings. You may have to go with a smaller, compact option. Another alternative is to use a live tree but that might not fit in your budget year after year. Know how much space you can afford to dedicate to storing your decorations before you buy– unless you expect to throw out or donate them when they come down.
Storage space isn’t so much an issue for me, the organization of it all has been a huge challenge. This past year, I actually took the time to separate out my decorations in containers and label them with the contents. This helps so much when you start to decorate the following year. Don’t skip the labeling part– You may think you’ll remember what’s in that box on the top closet shelf and a year later– your memory is gone. I label the top and at least one side of each container and make sure I store them with the label side out.
Proper storage does take a little extra time but not as much as you might think. It definitely save you time later on.
WARNING: I know it may seem obvious…. Don’t store items that can freeze or melt in an non-climate controlled area like the attic or an unheated garage. Candles and snow globes might not look the same when you open them the following year.
One more thing– when you take your tree down: It may not seem important at the time to separate out your ornaments (if you use sets of things) but do it. When you open the box the following year, you’ll be glad you did.
Time. Last year was the first year I wasn’t still decorating Christmas Eve. Biting off more than I can chew is an art I have mastered and a bad habit to break. I highly recommend starting early if you plan on a lot of decorating and think you might run into a time crunch. Procrastinating can also create a holiday stress load you don’t need.
Same as with your budgeting: Whatever time you think it will take, double it. Whatever time you have available, cut your time expectations in half. Start there and if you complete everything, you can always add more later.
We used to host the same group for Thanksgiving and Christmas and Michael always preferred that Christmas wasn’t up for both holidays. This created a big time crunch because of the amount of decorating I do every year. Some years I waited and some I started early depending on what the schedule looked like. My preference is to have everything up by Thanksgiving so the time before Christmas is open for holiday fun.
By all means, allow yourself enough time to enjoy decorating! For me, it’s one of my favorite parts of the holiday season.
Don’t forget, you have to take it all down! This is my least favorite part. It takes time. You may want to leave it all up a few extra weeks to enjoy, run out of time– and then find you’re still taking it down before Easter. Yes, that’s happened to me.
Size. This directly relates to the other four considerations. How big do you want to go? How much room do you have for storage? How much can you afford to spend? How much time is it going to take?
I love a fully decorated house, inside and out. But simple and elegant or warm and homey is great too. Know and stick to your limits!
Design. Here’s a chance to show off a little of your personality. Your ideas and creativity here, are your only guide. I highly recommend considering 1) colors and themes and 2) whether your design will vary from room to room or encompass the whole house. Make sure, what ever you decide, compliments the everyday design of your living space. Complimentary or contrasting colors and be very effective. Using one or two primary colors can also give a very elegant and designed feel to your decorating.
I love Christmas decorations so much, I’d be hard pressed to say I’ve seen a really ugly, tree, house or room. Christmas is the one time that I think its perfectly acceptable to be completely gaudy if you want to… It’s really your choice.
Christmas decorations can completely transform a space either good or bad. A tree that’s too big can make a room unlivable and hard to navigate. One that’s too small can look dwarfed. To compensate here, especially if storage is an issue: consider using a tabletop tree as room accent as opposed to a 4 foot tree stuck in a corner or behind the couch.
Colored lights are great — keep in mind you might not want blue or purple lights next year. White is classic, multicolored lights can be more casual and whimsical.
Last year, for the first time in many years, I used the inexpensive glass ball ornaments (that have been around for ever) on several trees. By limiting them to a few colors, (gold and white, silver and white, etc.) and using a couple different sizes; I was surprised at how really beautiful they looked. It’s a very cost effective way to decorate, you can use them in groupings and arrangements as well, and if you have to get rid of them because you can’t store them– they are cheap to replace.
I also love a traditional family ornament tree. Not only is it totally unique to your family but the sentimental value is priceless. That can be included in other decorating elements in your house as well. Saved treasures from your children’s, or your childhood, can be used for a warm, sentimental touch.
Go For It!
I hope this helps some of you in getting the wheels turning! I’d love to hear from you and have you share your own thoughts and ideas. I’ll be posting more though the season. If you’re new to my blog, check out the archives from last November and December for some easy ideas and suggestions.
Happy Decorating!
So You Think You Can Drive!?!
I hate driving.
No, I hate other people driving.
Does anyone take a driving test anymore?
I’m that person that screams when they drive. I swear, I can’t even drive around the block without some idiot pissing me off.
So, I’ve decided I need to pitch my idea for a new TV show to the networks. So You Think You Can Drive is sure to be the next big thing.
It’s another reality-competition show BUT no gets eliminated each week. Instead, competing drivers will square-off in a difficult, new challenge in each episode and be ranked based on their performance.
The catch is…. they’re really competing for the title of World’s Worst Driver.
The challenges will include some pretty daunting tasks. Like– driving the speed limit. Using a turn signal. Driving the right direction on a one-way street. My favorite is, of course, the most difficult… Driving one full mile without texting, talking on the phone, eating, putting on make up or — and this is the most challenging…. reaching down to feel around for that thing that just fell on the floor.
I think it will be an epic hit!
Of course all the stereotypes will be represented: Old lady that never drives over 10 mph, Drunk guy, Texting teen, Revoked license guy, Girl that’s always late for work, Bus driver on a controlled substance, Clueless singing preppie, Woman with too many kids in the car, I break at every street sign person and I break for wind man.
The show will be interactive, so viewers can tweet live comments on air, most of which will have to be censored; mirroring what they’d be saying if they were following the competitors on the open road.
I think viewers will vote too. The winner will have their car crushed by one of those big compactors, their license revoked by a real (retired) police officer and they’ll get a permanent tattoo on their forehead (preferably with a rusty needle) of World’s Worst Driver.
It will be bigger than Honey Boo Boo….
That is, before the child molester-thing.
Here Comes Lord Dudley
Meet Lord Dudley
A week ago we were blessed with a new addition to our family. Dudley is an AKC English Bulldog, fawn and white, weighing just over 17 pounds. He’s 9 weeks old now and a cuddly teddy bear. So far, he gets along wonderfully with our other furry kids, although Collins (our cat) has pretty much kept his distance.
Lord Dudley loves to explore. He loves to romp through the leaves and crawl under things.
Dudley and Belle. It’s hard to get these two to stop playing long enough to get a clear picture.
His new sister, Belle, couldn’t be happier to have a new playmate. The two of them are constantly wrestling around— which is especially funny as Belle is growing by leaps and bounds. Belle loves to stand over him like an umbrella.
Cash prefers to sniff and lick Dudley’s ears… a lot.
His name has two Broadway connections, the main one being an obscure reference from the musical Mame. The second is from the musical, Something’s Afoot.
Though I doubt, Dudley will be appearing on stage anytime soon, he is certainly a little show off. In less than a week he’s stolen everyone’s hearts.
Cash watching over his new brother, Dudley.
Just a baby.
Nap time for Dudley.
Dudley the explorer taking a break.
Why I Grocery Shop At 3 AM: A Nightmare
It’s 3:00 AM, no traffic and I pull into the empty parking lot. I park up front in the first spot close to the door. I approach the door that glides open, revealing a clean, quiet shopping metropolis just waiting for me. I nod, or say Good Morning, to the familiar faces of employees, busily stocking shelves and taking inventory as I move quickly through aisle after uncrowded aisle gathering the items on my list. Something in the produce department not on the shelf? No problem. There’s someone there, willing to get it for me from the back. The only other shopper in the store– and I swear, he’s there every time I go at this hour– is an older gentleman using one of those electric mobility scooters. I go to self check out, scan my items as a friendly cashier rushes over to assist and engage in a little small talk as they help bag my items. Then I’m done. This is the only way to shop!
I do most of my shopping at a local super store chain (grocery and department store combined) in the early morning hours and I love it! It’s a quiet, quick and efficient use of my time. I can do a full grocery shop and browser through the other departments (and always the pet aisles) in about an hour.
This particular chain has a great phone app that allows me to clip manufacturer coupons, store coupons and incentives AND form a shopping list for a quick and easy shopping experience. Store coupons (or sales) and manufacturer coupons are stackable for additional savings. If for some reason the coupon or discount doesn’t come up at the register, there’s always someone there to quickly correct it, no questions asked.
My receipt shows me my total combined savings over regular retail prices– and so far this year, I’ve saved over $2,800! I love this place.
That is, I love this place at 3:00 AM.
Yesterday, I went at 11:30 AM. What was I thinking? The store was crowded with typical shoppers that have no concern or awareness of anyone but themselves. Kids are screaming, wandering shoppers leave their carts blocking aisles; and I have to wait for the two retired gentlemen to wake up from their conversation about how bad the Bears are this year and move out of the way.
Oh yeah, the reason I had to go at this normal hour was two fold: There were two, one day-only coupons I wanted to use; and I needed to have a quick adjustment done on my eye glasses at the little in-house vision center. (If only they were open at 3 AM!)
I got my glasses fixed at the front of the store and headed into the chaos. Swerving, dodging and taking detours, I navigated my way around the myriad of confused shoppers blocking my path.
The special coupons I had were for 40% off a men’s outerwear and an accessory item. I wanted to get Michael a new heavy duty coat for work and for shoveling snow at home. I found a good Dickies brand coat under a sign that said Men’s Outerwear and 20% off. Perfect. The discounts would stack and I would get the $80 coat for about $38. I also picked up a pair of gloves, already 30% off, plus the extra 40% off.
Avoiding the crowded aisles, I headed to the back perimeter aisle to head over to the pet department. As I was passing through, I found some pet toys on final clearance, 90% off. As I was picking out a few, I happened to glance to my right. In the distance, coming towards me down the aisle was my 3 AM friend on his scooter. )Why was he here now?) Seconds after I spotted him, a woman on her cell phone crashed her cart into the side of his scooter. He wasn’t hurt but I’d bet he was a sailor in his youth, if you get my drift.
I was nearly done with my shopping and headed to pick up my fridge and freezer items, not yet too annoyed by all the people– I reach the dairy section to find: No whole milk. How does a store that size have no whole milk? They barely had any 2% milk, either but I refuse to buy that anyway. (Sugar is added to 2% milk to replace the fat, actually making it less healthy for you!)
So then, I move through the meat section, which apparently, at noon is a social gathering spot; reach the produce section to find the bagged, chopped salad shelves empty too. This really wasn’t going well.
I headed toward the registers to check out and in the center aisle where they display sale merchandise, I found the large jars of peanut butter on sale for $1.49 if you bought eight. Well, eight is a lot but it has a long shelf life; and we go through a lot of it with the dogs. Sell by date was October 2016, so in the cart it went. Shopping done– just had to pay.
I’m not sure if any of this is annoying or amusing enough for anyone to continue reading–BUT– it took me 45 minutes just to check out!
45 minutes to check out in an empty, self-scan checkout lane!
Why?
Well since you asked….
The peanut butter was really on sale for $4.99 not $1.49. I had to go get the sign to show them their mistake… They gave it to me for the lower price… but it took almost 15 minutes just to change the price in the computer, for me to get it at the posted price. Then the register wouldn’t give me the extra 40% off on the coat because it was work wear not just outerwear that they claim was excluded– but not listed on the app coupon OR the text message, I’d received. This was what got me in the store at that ungodly hour. I made them take it off my tally, I wasn’t paying that much. (The guy that had gotten in line behind me was sighing loudly and cussing under his breath at this point.) Then the gloves? Same thing. Only they couldn’t claim a reason why I wasn’t entitled to the discount, so that took even longer to figure out. The original attendant had just gone on break… and the replacement didn’t know how to do price adjustments. Suddenly, every self checkout was at a stand still because every one needed assistance. I was never more relieved to finally get out of a store in my life!
This is exactly why I try to only shop off hours or online as much as possible.
That would be the end of the story… except– stupid me, I forgot eggs. When I got home and started to make meatloaf, I discovered we were completely out of eggs. You can’t make meatloaf without them.
So— I was forced to drive to the nearby grocery– that I hate with a passion– just to get eggs. (I won’t name any names but the store’s a real gem.) And yes, it took me almost a half hour just to buy a carton of eggs.
The End.
P.S. — The meatloaf was delicious! <wink>
The Best Things In Life Are Free
From the time we are children, it is drilled into our head that nothing in life is free. Everything has a price. You get what you pay for and vice versa. This is supposed to to teach us appreciation for things, as well as the importance of hard work (to get what we want) and success. If you want something bad enough, you’ll work for it. While this is true, it also places so much emphasis on material things and status that I think many people miss the really best things.
Ask yourself: what’s your favorite thing in the world? Most of the time, the things we come up with are free.
Reading a book, sleeping in late on the weekend, a walk on the beach, hugs or affection from children or pets….. these are things I think of and hear most often. Sure, you may have to buy the book, sleeping in may come with a sacrifice of time, if you don’t live near a beach– you have to get there, and children and pets are expensive to care for. That’s not the real point. When you look at it that way, you buy into a negative world view.
I find the things I appreciate the most; and are the most memorable to me, may be what you’d consider residuals.
I hate even using that word because depending on your comprehension of it, it may sound like I’m trivializing it.
Take going on a vacation, for example. Michael and I have found we really like to travel and have dream destinations and vacations we’d like to take in the future. Well, that’s certainly not free, you may be saying to yourself; but after it’s said and done, what was the best part of the vacation? What do you remember the most?
Yes, you probably remember: I went here, I went there; I did this, I saw that– What was really the most memorable part? Was it the plane ticket or hotel? Was it really the location or what you did? For me, I remember the planning and anticipation, and no matter how great or how bad the actual trip is; the very best part of it is time and connection Michael and I have. The experience is great but it’s the shared experience that’s the most memorable.
When the vacation is over, I always hate going back to the routine because then I feel this big disconnect… I crave that time together experiencing new things, connecting and not being easily distracted from the daily routine of life. I go through Michael withdrawal.
Our dogs have always had a good life but we really try to make it even better. Since we got Belle, our daily routine has changed, less time in front of the TV and more play time with Belle. Since I get so much time with her during the day, Michael usually plays with her while I’m writing or spending time with the boys. I’ll come down for awhile too and we play with her together. You can’t buy that quality time. Those are memories you don’t forget.
I love my quiet time too. An early morning cup of coffee before anyone else is up; feels so good and helps me start the day right. That’s free.
Those unexpected expressions of love from companions, children, pets and friends are also priceless and free.
Belle can be a real handful– then out of the blue, she calms down and crawls in my lap or licks my face. Free and priceless.
A friend messages on Facebook, calls or stops by unexpectedly— free and priceless too.
There are so many things to appreciate and cherish. The residual effects of life can be the most rewarding.
Sometimes we just have to stop, look and listen.
The best things….the free things are right there under our noses.
Just A Housewife
Let’s flashback to the old days…
She’s just a housewife,
A wife and mother.
She has the easiest job in the world.
Cooking, cleaning and playing with the children all day,
What an honorable and easy life!
I can still remember when most families survived on one income. The fathers went to work and mothers stayed at home with the children. A family was two parents, a dog and 2.5 kids.
I remember when it all started to change and women were belittled if they still chose to have a career and raise a family. They were called selfish.
I remember when families started to struggle to survive and it became more necessary for both parents to work, just to financially keep their heads above water.
I remember when there was an increase in single parent families and the mom (in most cases) or dad had to be both the bread winner and the sole parent.
I remember when the terms stay at home dad and stay at home mom came into popularity. They called these parents lucky, lazy or unmotivated.
It’s funny how public perceptions change in a matter of a few years. It’s sad how judgmental we are as a society.
Just a housewife. Think about it.
I know there are some people at there that totally know what I’m talking about. Others, probably have no comprehension.
I realized, myself, when we got our boxer puppy Belle just how difficult it must have been for my own mom to take care of the house, the shopping, and us all at the same time. With the new one in our house, the whole schedule changed. Cooking and cleaning and house projects had to revolve around Belle. Children, two or four-legged, need attention, structured activities and protection. Turn your back for a moment and anything can happen.
My Mom was a teacher when my sister and I were small. We had a babysitter whose house we went to when my Mom went to teach. When my brother was born, my Mom took a break from being a career girl and became a stay at home Mom for a few years.
As we got a little older and started helping out doing chores, my Mom returned to work full time. I never stopped to think how much help we really were to my parents by doing those simple, regular chores. I never appreciated how stressful it could be. I also never appreciated how time consuming and difficult it must have been running a house and raising three kids. So for that, I say a heartfelt, Thank You! — I get it now.
There aren’t too many housewives around anymore. Those that are, I salute you. You are the least appreciated– unpaid, full-time employees in existence.
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