Coronavirus. Fucking shit, that has really fucked up our world, right? I talked about Coronavirus and COVID-19 here, here, and here. I feel like I could write about it every single week as it's devastating at work. But while I might cover how this changes everything as a nurse in a prison, I want to focus on my family. The only nursing related thing is that I AM a nurse and I work in a prison which still puts me at a particularly high risk of contracting and spreading COVID-19.
We moved mom into my recently departed aunt's house 43 days ago (49 days ago as I finish writing this post). I know it exactly as she keeps it on our shared family calendar. Today is Quarantine Day 43. Anyway, I'm not sure any of us were thinking about this in the long term, or even considering anything beyond the short term. Originally, get me out of the house to keep mom safe. Then get me and my brother out to keep mom safe. Then Mom decided on getting herself out to keep her safe as she didn't want to inconvenience my brothers and I. Right then and there, if I'd just insisted on her remaining as comfortable as possible and us being inconvenienced as we were all ready to do, this whole problem would have gone differently. I should really listen to my inner voice more.
You see, I don't think Mom thought beyond this going on a few weeks. Sure, she can be uncomfortable for that long. But 2 months? That's hard. I personally LIKE change, but no one else in this family is like me in that way. A couple weeks ago Mom asked via text how long she was going to have to stay over there. I answered as honestly as I could, which came down to "I don't know". Seriously, until I'm not at threat of getting or spreading a disease that can easily take out my physically frail mother, then we just have to be apart. She didn't hide very well that the answer was unsatisfactory and that she wanted to come back home. She understood that the health risk was just too high, but she still didn't like it.
That's when I offered to switch places with her. Me and my younger brother B would move into my aunt's house while Mom moved back in with my older brother R. R is relatively safe as he's currently only working 1 or 2 days a week, but even if he goes back to full time, he'd still be relatively safe compared to B and I. B isn't safe because he deals with his family (his wife works in a gas station and deals with the public directly) and he does almost all the running around as he doesn't currently work. IF his work opens up (he works at a Casino) he'll be almost as radioactive as me.
Mom said no.
She still didn't want to inconvenience us. I tried to get my brothers on board of gently but firmly forcing her hand so that Mom could be home and happy, but they want that to be her decision. I could probably fight the point and even convince her... but honestly most of my fight is gone. Work takes it out of me, the world takes it out of me, and even my relatively relaxing home life takes it out of me. So I let it go.
Then a couple things changed. I've said that my cousins, who now own the house, are eventually going to come back to take care of the house and maybe even move in. Obviously neither Mom nor my brother and I can be there then. The cousins are now talking about late July. That's one thing that changed. The other is mom's realization that my aunt's house just won't be an option, but staying apart is still important. She made that clear by floating the idea of buying a camper and setting it up in the driveway.
Before we get into why that's just a non-starter of an idea, let's be clear that I'm happy Mom is looking for solutions.
I'm sure she heard about nurses or other essential workers moving into their campers to keep their family safe. I'm not sure if Mom was considering staying in the camper herself or if my brother and I should do it, but neither will work. First, any camper worth living in would be too big. It would take up the majority of the driveway. And with her back here, we'd have 4 cars to juggle around. Next is the cost. Evidently a camper can be had for about $10,000. That's not horrible, but understand we wouldn't have any use of a camper after this whole mess goes away. Seriously, we don't go camping so it holds no value after using it as a temporary living enclosure. Then there's all the hookups. Power, water, internet, cable. Then there's the waste disposal.
No. A camper is just a bad idea. BUT it shows that she's looking for solutions. You see, I'm already skipping past living at my aunt's house. We'd do it short term, but only as a setup for moving into an apartment.
Me and B moving out lets mom move here. She can have her chair, have her dog, live with her son instead of her grand kids, have her kitchen, have her table... have her life back except for B and I.
Getting an apartment depends on quite a few things, but I don't believe any of them are deal breakers.
The first is getting my brother to agree to do it. He won't consider it until Mom says she's a go, and she's not on board. But part of getting her on board is showing her that we'd be fine and showing her we'd be fine means getting a budget together. So while these numbers would be a little different WITH B, I'm going to go through this process as if it's just me and not B and me together.
One thing that lets me afford this is the extra money the state is paying us. They said that all state essential employees would get $750 a pay check. After taxes that's about an extra $900 a month. That doesn't get me ALL the way there, but it definitely means it's possible. Knowing that it's possible, even without going over the specific budget, made me think of what I'd need. I haven't lived out on my own for a LONG time. 13 years. Even if I had immediate access to all of my old stuff, it's mostly trash now. I'd think about moving my stuff out of this bedroom, but that's a seriously big task. My computer desk and bed are more or less wedged in here. The desk would have to be taken apart as it simply won't fit through the door and the bed is HEAVY!
So screw that. I thought about not even taking my computer, but after looking long and hard at that, I decided it wasn't worth it. I looked at modifying my iPad, a more suitable tablet (Microsoft Suface), a chromebook, a laptop, and an all in one computer. The biggest stumbling block to all of those is screen size. Ya'll know I have a 34 inch 21:9 ultra widescreen monitor and I ADORE it. Moving down to a 10" iPad, a 13" chromebook, a 17" laptop, or a 21" all in one would just feel cramped. The only seemingly close option is a 27" iMac but that goes for $2500 in a good enough configuration with a 3 year warranty. $2500 for a computer, vs my $3500 computer for free plus a little back breaking moving was just too obvious. The only compromise might be getting a big monitor and hooking it up to the iPad. But a 32" monitor goes for about a grand and ditching down to a 27" only drops that down to $500. I'd also need a keyboard, mouse, and speakers. I could take the speakers from my current set up, but then we're talking about a halfway solution as I'd be taking some stuff and still spending between $500 and a grand. Nope... taking my Origin PC is the best option for happiness.
So here's what I think I would take from home:
- My computer and it's associated accessories
- Monitor
- Keyboard
- Mouse
- Speakers
- Headset
- Surge Protector (you know, I probably need a new one of these anyway...)
- Nvidia Shield (I just bought the new one and have it hooked up in the living room so I'd just grab the older one that I have in it's box)
- Some smart bulbs (I just love saying "Hey Google... turn on the light)
- My Google Home Hub
- A Google Home Mini that I got for free and never unboxed
- My clothes
- My ashtrays (yeahyeahyeah)
- My bathroom supplies
- Some washclothes and towels
- My basic food stuffs
The rest I'd buy. I made this list at first without any thought of cost. I figured I could drop up to $5000 on my Amazon credit card (getting 5% back!) and be able to afford the monthly bill for a couple years. I broke it down to rooms in the apartment:
- Living room
- TV
- A smart TV would be best, so I looked at a TCL/Roku 55" boobtoob
- TV Stand (sitting in the floor is just TOO much like college)
- Couch
- Chair
- 1 or 2 side tables
- Floor lamp
- Computer Desk
- preferably this would be 60 inches by 28 inches like my current desk... just not as nice
- Bedroom
- Bed
- Bedrame
- Nightstand
- Bedside Lamp
- Bathroom
- Shower curtain
- Shower curtain rings as evidently shower curtains don't include these little fuckers
- 2 floor mats
- Kitchen
- Glasses
- Plates
- Eating utensils
- Cooking utensils
- Knives
- Pots/Pans
- Kurig coffee maker
- Small Dining table and a couple chairs
I keep adding little things, like a microwave and maybe a small chair for the bedroom... but this covers the basics. I could live with this stuff. The TV was about $550 and by far the biggest expense. All of this totaled up to $2320.93.
So adding in some last minute add ons, I could get everything I need to live with for $2500. Half of what I thought it would be. This is one area where if B and I move out together, it would be really different. Most of his stuff is in storage, so we could probably get the couch, chair, TV, TV stand, his bed and frame, and a good bunch of kitchen stuff. But honestly, I don't know that it would be worth it. I hate to sound like I'm bragging, but spending $2500 on new stuff that wouldn't intrude on his ability to move into a new home with his family (as he's stated is still a strong desire for him), would be worth the money to me.
So that's peace of mind. I can afford the 'stuff' to move out.
Next is the hard part. Monthly budgets. I hate putting money down in specifics, but I don't know of any way to think this through without using real money. So, forgive me for sharing my personal finances.
With the 'Rona cash from the state, I get just under $2500 every two weeks. I wish that meant an easy $5000 per month, but it just never lines up that way. Years and years ago I made a spreadsheet that I call my Oracle as it predicts what I need. It has my predicted income (easy when I'm basically salary now), and every one of my expenses.
Here's what I have down for expenses while living out on my own. Most of this is the same as now:
- Every Check
- Cigarettes $150
- Food $400
- I've looked at my average over the past 6 weeks without mom as my brothers and I split up groceries. This might end up being less, but for now let's go with the highest number to see if I can afford it.
- 1st through 14th
- Rent $700
- This obviously is going to be the biggest variable. I'll go more into rent a little later
- Patreon $25.07
- Netflix $15.99
- YouTube TV $55
- I probably wouldn't want this now, but during college football season, this will be a must
- HBO Now $14.99
- Gotta have John Oliver's show, plus it has a lot of movies
- I could probably change this to HBO Max as it's the same price.
- New York Times digital subscription $8
- Google Fi $66
- Amazon Card payment $400
- Xfinity $100
- This is so hard to estimate. It's what I currently pay Mom each month, but I'd just want internet. So, more? less? Not sure.
- Google Music $9.99
- Michigan Radio $20
- Mom's car payment $300
- Student loan $420.92
- There are no payments due on this until October 3rd
- 15th through 31st
- Gas Card $175
- This varies a lot depending on how many fill ups I need and the cost of gas. This is the high end as it averages closer to $100, but HAS gone as high as $200.
- Car and rental insurance $180
- Car wash $39.99
- Yeah... Nina deserves this for unlimited premium car washes
- Radiotopia $7
- Heat/Electricity $120
- This is a big estimate and is probably the most variable. I have no idea what to put here, but my previous bills were closer to $70 when I was on my own.
- Apple Music $9.99
- Credit Card $400
- This is my standard card and I carry a large balance, so I want to keep a good monthly payment here
- Nina $800
- I actually put about $80 down to get the payment down to exactly $800!
- Porn $10.08
- Seriously... just leave this alone.
The 1st through 14th is $2,685.96. The 15th through 31st is $2,292.06. That's 4978.02 a month.
This is where I'm at before I started writing this post out, so now I'm going to be thinking aloud (in writing), so forgive me if I jump around or seem a little less focused.
My first thought is that that's just too close. My spreadsheet says it's doable, but it also includes no student loans for the first 4 months. When I start the spreadsheet up when the student loans kick in, it shows that over three months I'm only above the minimum payments by $762.
That makes me think of what I spend each pay period. Spend on anything other than what's planned. Movies, snacks, stupid techy purchases, clothes, trips, phones, collectibles.... stuff that isn't required to buy each pay period. Let's look at the averages I have. My most recent Oracle, covering January 25th through now is a little skewed as it covers some big expenses that I shouldn't average in, including my iPhone (I wouldn't have done this if I were living on my own ) and my dental crown and subsequent root canal. So I'm going to look at my averages from February 23rd 2019 to January 11th 2020. Until I typed that out I didn't realize it was almost exactly a year!
As I look at these numbers, it's honestly frightening. Remember, this isn't a monthly average, it's every 2 weeks. I spent an average of $398.34 every other week. That doesn't include the average of $325.20 on my Amazon card every two weeks. Put those together and I spend an average of $753.62 every two weeks.
$753.62 EVERY TWO FUCKING WEEKS!!!!
During this time period, I actually kept track of every penny in those two categories. But as I look through them, I see all manner of spending. A few examples:
- Food
- I just put my grocery shopping in those categories for that time period as mom got all the groceries and I was just paying for my specific lunch needs or specific foods for me.
- Medicine
- I get a good deal on meds as most of my prescriptions are $20 for a three month supply, but they aren't ordered regularly and absolutely NEED to be paid for
- Things that ended up as monthly costs later
- New York Times, Patreon, Porn...
- Cash
- Seriously, cash in the wallet
- Books
- Both Kindle books and hard cover Stephen King new releases
- Games
- I waste a lot of money on games
- Movies
- Dear GODDESS I waste a LOT of money on movies! $664.59 for this period!!!!!!
- Six Hundred Sixty Four Fucking Hundred Dollars and Fifty Nine Fucking Cents!!!!!
- Tech purchases
- Keyboards, mice, cables, headsets, Google Home stuff, Phones for me and Mom
It's hard to say it's useless, but it's also hard to say I couldn't bring that down. Obviously, just being out on my own would reduce some of this. Not as in I wouldn't want it, but in that I wouldn't have the extra money. Seriously, I spend a lot of money because it's there. Can I afford to buy a Pixel 4 for $1100, use it for 6 months, then decide to buy an iPhone 11 Pro Max for $1500? Yes. Could I do that if I were paying for rent and such? No. But I also can't say that number would be $0. Medicine and cash are key. And while my movie budget wouldn't be $664 a year, (Six Hundred Sixty Four Fucking Hundred Dollars and Fifty Nine Fucking Cents!!!!!) it wouldn't be $0 either.
And then there's the Amazon card to think of. Yeah, I get a lot of useless crap with that, but it's not like that would be in the 'Spending' category any more. That's now a monthly bill. The $400 I plan for it would cover more than the minimum payment, so I could mentally put something on that card and have it cost "nothing". That's a stupid way to look at it, and I'd really have to look at purchases closely before I click that 'Proceed To Checkout' button. Basically I'd have to look at purchases there as I do on my regular credit card. I use that maybe once every 2 or 3 months.
So, how to figure this out. I want a number that's reasonable. Not too high or I just can't afford this at all. Not too low or I'd just end up missing payments on other things as I overspend each check.
I think $400. That's the average before my Amazon card. Looking closer at that, it's all about vacations (I put most of my purchases on that so I could track it), a few necessities like needles and sharps containers, deodorant, cologne, and the rest of it is frivolous spending. The other spending I do every check can be reduced too. Movies being an obvious one (Six Hundred Sixty Four Fucking Hundred Dollars and Fifty Nine Fucking Cents!!!!!). Food goes into the food category, and my tech purchases can EASILY dry up. Even now, when I buy a new keyboard or mouse or whatever, I realize it's frivolous and that would be easy enough to just say no to.
But putting $400 every check practically destroys the oracle. I can get by before the student loans kick in and even keep my head above water.... but once that $400 a month comes in, I'm screwed and end up in the negative.
So... what can I remove from my budget to make this work. The first thing that comes to mind is the donations I make each month. Patreon, New York Times (I DO use it, but consider it a donation as I'm paying for a free press more than actual usage), Michigan Radio (similar to NYT), and PRX. I could drop HBO Now/Max. Realistically, I could put 'streaming services' into a single category, and just budget $15 to $20 a month on it. That way if I'm not watching Netflix, I could drop it instead of keeping it 'just in case'. Plus I always have Amazon Prime as that's included with my Amazon Prime annual fee. Lots of movies and series there.
So what's the savings by doing that? It saves an anemic $71 a month.
Can I spend less on food? Probably, but I'd better not bet on it. Can I spend less on weekly expenses? Probably, but I'd better not bet on it. Can I spend less on Heat/Electric? Maybe, but I have an equal chance of spending MORE, so better not budget on less. I might be able to spend less on credit cards, both my card and the amazon card... but damn that's a lot of interest to pay. And honestly, that's a padding I've used before when things got tight. Just make the minimum payment for a month to make the budget work.
There's the elephant in the room though. What I'm NOT paying Mom.
To get to this point at all, I've alrady dropped paying for Mom's Netflix and Xfinity. I dropped paying her the $250 a month that I put into my budget as 'Rent'. But I guess that's not enough to make the budget work. I need to stop paying for her car too. And that's just shitty... I convinced her to get it and said I'd pay the $300 a month for it. Can she afford it? Easily. Even with me taking about $700 a month from her, she can afford the car payment, the Xfinity bill, the Netflix bill, and won't miss the $250. But damn it... that's just wrong.
So before I was here:
- 1st through 14th is $2,685.96.
- 15th through 31st is $2,292.06.
- 4978.02 a month
If I take all those extraneous bills away, take away the $300 for mom's car, and importantly add in the $400 per month for 'extras':
- 1st through 14th is $2,721.91.
- 15th through 31st is $2,135.06.
- 4856.97 a month
<sigh>
That's doable. I could uptick and downtick extras, heat/electric, gasoline, weekly spending, food. If it gets to be too much, I could put some things like food and weekly spending on the credit card. I'd rather NOT do that, but it's possible as a very short term solution.
--------------------------------
A quick aside
I talked to B yesterday and we had a good conversation about all of this. It was a strange ride getting there though as the last time we spoke or even saw each other we were both really angry. Big angry. This was last weekend after I'd written up about the first third of this post.
He, R, and I had a video call with mom for mother's day and she laid out her plans to stay at my aunt's alone. The kids were going home. She said she'd stay there until late June or July and then come home. I had to hold my tongue as I don't think her living alone is good for her, I don't think she's giving any thought to us after she decides to come home, and I think she's just living in a fantasy world where it's safe (or maybe 'safe enough' is a better term) to live with me. But I had promised my brothers that I'd let her make the decisions. So when she asked what we thought about it, both R and B said they thought that was fine. I don't lie to mom, so I said "I promised I wouldn't disagree with you so I'll just hold my tongue." I did that a couple times. She knew what I was hinting at, but I'd promised my brothers I wouldn't try to convince her to do other than what she wants to do.
Fine. But I won't let her stay with me. Just to put my situation in context, I saw my correctional facility listed in the New York Times as one of the top 20 correctional facilities when it comes to number of COVID-19 positive cases. With well over 600 cases, it's just not safe for me to live with mom. It's almost LIKELY that I'll get it and then almost LIKELY that I'll spread it to mom. So fine. She wants to live on her own. So fine. She wants to move back at the end of June. I'll be out of the house by then.
Well, B didn't like the way I 'held my tongue' and said I was trying to force mom into a decision other than what she wants. To be fair, that's true. Mom wants to return home and live with her boys, and I'm forcing the issue by not letting her do that... but only with pulling myself out. I'm not 'forcing' her to come home. I'm not 'forcing' her to live alone. I'm not 'forcing' her to do anything. I'm just exiting to keep her safe.
Well, we got angry and said some things that we shouldn't have. I left him alone and went to my room and on to sleep a couple hours later. The next day his skin infection got worse and he ended up in the hospital on IV antibiotics. He was there for 5 days and only got back home a few days ago.
Anyway, we talked and went over both the purchases and budget and he agreed that while this wouldn't be sustainable in the long term, it's fine for now and will work for moving out between three months and a year. I then asked if he wanted to join me. While I obviously couldn't afford the difference between a $700 a month single bedroom apartment and a $800-$900 two bedroom apartment, he would only have to pay the difference. I'd cover the heat/gas/electric/internet and even the streaming services I listed. He would pick up the $100-$200 difference in rent and any streaming services he wants.
He said he'd think about it. Admittedly he wants to move his family back into a single home or apartment, but that's just not doable for now. So I think he'll be on board. Its not too expensive for him and keeps mom safe.
--------------------------------
So buying the stuff works. The budget works. Moving out on my own or with B will work. That leaves one problem. The state's 'Rona cash.
My income increased by just under $1000 a month because of the extra 'hazard' pay the state is paying. Obviously, if that goes away, I can't afford to move out. And honestly, I have no idea how long that's going to last. They said it would be paid as long as this crisis is ongoing, and that kind of works for me as I only want to be out of the house as long as this is a crisis. BUT will their definition of 'crisis' meet up with my definition? And it's not like the state is made of money. A lot of state workers have been laid off because the state is running a HUGE deficit. They're even having all administrators that don't work in a correctional facility take one layoff day a week just to scrape a little more savings out of this. So how long can they afford that? The department has 14,000 employees total, so lets say about 12,000 work in the facilities getting $750 extra every two weeks. That's nine millions EXTRA dollars every two weeks. If this goes on for the 6 months that a short term lease goes for, that's one hundred seventeen million EXTRA dollars. Sure, they're saving some by the layoffs, but will the state continue to pay that out when they're predicting up to a two point seven BILLLION dollar deficit? Understand, the state's constitution says we can't run a deficit, so that money gets cut from somewhere else? Teachers pensions? Road funding? Health and Human services? Police? Money to the counties? Universities? K-12 schools? Who pays that extra money?
So I can't say with confidence that they'll be paying that the entire time of a lease. I really thought I might be able to get a three month lease by pulling on the heart strings.... nurse working in a prison keeping his mother safe by temporarily moving out of the home he cares for her in... but nope. Six months is the minimum lease.
There are a couple options, but I think the one that would make the most sense is a personal loan from my credit union. I really do think I could get them to loan me up to six thousand dollars pretty easily. B could also kick in more, I could borrow directly from Mom.... there's options.
Like B and I talked about... this ins't sustainable in the long term. This isn't a "I'm moving out for good" type situation. I can't afford that. BUT I'll take this time and money and effort to keep mom safe.
It's worth it. I just can't ever think to myself "I was the reason Mom died".
--------------------------------
A quick aside
I talked to B yesterday and we had a good conversation about all of this. It was a strange ride getting there though as the last time we spoke or even saw each other we were both really angry. Big angry. This was last weekend after I'd written up about the first third of this post.
He, R, and I had a video call with mom for mother's day and she laid out her plans to stay at my aunt's alone. The kids were going home. She said she'd stay there until late June or July and then come home. I had to hold my tongue as I don't think her living alone is good for her, I don't think she's giving any thought to us after she decides to come home, and I think she's just living in a fantasy world where it's safe (or maybe 'safe enough' is a better term) to live with me. But I had promised my brothers that I'd let her make the decisions. So when she asked what we thought about it, both R and B said they thought that was fine. I don't lie to mom, so I said "I promised I wouldn't disagree with you so I'll just hold my tongue." I did that a couple times. She knew what I was hinting at, but I'd promised my brothers I wouldn't try to convince her to do other than what she wants to do.
Fine. But I won't let her stay with me. Just to put my situation in context, I saw my correctional facility listed in the New York Times as one of the top 20 correctional facilities when it comes to number of COVID-19 positive cases. With well over 600 cases, it's just not safe for me to live with mom. It's almost LIKELY that I'll get it and then almost LIKELY that I'll spread it to mom. So fine. She wants to live on her own. So fine. She wants to move back at the end of June. I'll be out of the house by then.
Well, B didn't like the way I 'held my tongue' and said I was trying to force mom into a decision other than what she wants. To be fair, that's true. Mom wants to return home and live with her boys, and I'm forcing the issue by not letting her do that... but only with pulling myself out. I'm not 'forcing' her to come home. I'm not 'forcing' her to live alone. I'm not 'forcing' her to do anything. I'm just exiting to keep her safe.
Well, we got angry and said some things that we shouldn't have. I left him alone and went to my room and on to sleep a couple hours later. The next day his skin infection got worse and he ended up in the hospital on IV antibiotics. He was there for 5 days and only got back home a few days ago.
Anyway, we talked and went over both the purchases and budget and he agreed that while this wouldn't be sustainable in the long term, it's fine for now and will work for moving out between three months and a year. I then asked if he wanted to join me. While I obviously couldn't afford the difference between a $700 a month single bedroom apartment and a $800-$900 two bedroom apartment, he would only have to pay the difference. I'd cover the heat/gas/electric/internet and even the streaming services I listed. He would pick up the $100-$200 difference in rent and any streaming services he wants.
He said he'd think about it. Admittedly he wants to move his family back into a single home or apartment, but that's just not doable for now. So I think he'll be on board. Its not too expensive for him and keeps mom safe.
--------------------------------
So buying the stuff works. The budget works. Moving out on my own or with B will work. That leaves one problem. The state's 'Rona cash.
My income increased by just under $1000 a month because of the extra 'hazard' pay the state is paying. Obviously, if that goes away, I can't afford to move out. And honestly, I have no idea how long that's going to last. They said it would be paid as long as this crisis is ongoing, and that kind of works for me as I only want to be out of the house as long as this is a crisis. BUT will their definition of 'crisis' meet up with my definition? And it's not like the state is made of money. A lot of state workers have been laid off because the state is running a HUGE deficit. They're even having all administrators that don't work in a correctional facility take one layoff day a week just to scrape a little more savings out of this. So how long can they afford that? The department has 14,000 employees total, so lets say about 12,000 work in the facilities getting $750 extra every two weeks. That's nine millions EXTRA dollars every two weeks. If this goes on for the 6 months that a short term lease goes for, that's one hundred seventeen million EXTRA dollars. Sure, they're saving some by the layoffs, but will the state continue to pay that out when they're predicting up to a two point seven BILLLION dollar deficit? Understand, the state's constitution says we can't run a deficit, so that money gets cut from somewhere else? Teachers pensions? Road funding? Health and Human services? Police? Money to the counties? Universities? K-12 schools? Who pays that extra money?
So I can't say with confidence that they'll be paying that the entire time of a lease. I really thought I might be able to get a three month lease by pulling on the heart strings.... nurse working in a prison keeping his mother safe by temporarily moving out of the home he cares for her in... but nope. Six months is the minimum lease.
There are a couple options, but I think the one that would make the most sense is a personal loan from my credit union. I really do think I could get them to loan me up to six thousand dollars pretty easily. B could also kick in more, I could borrow directly from Mom.... there's options.
Like B and I talked about... this ins't sustainable in the long term. This isn't a "I'm moving out for good" type situation. I can't afford that. BUT I'll take this time and money and effort to keep mom safe.
It's worth it. I just can't ever think to myself "I was the reason Mom died".
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