Good morning gals! I would have been here yesterday but I had to wait for my big head to deflate (Ang's kind words) before I could enter.

Honestly, I deserve no credit for working with kids cause I just plain love it and it is all love and no labor. I will take credit for not being bitter and hateful cause many things in my life could have caused that and I cling to my sense of humor and intend to keep on doing so, no matter what or who!!
WIC, failure? No way!! It is the times and we have little control over it all. As conservative person as I am we are suffering effects from all the turmoil as are most folks. Some of us are just lucky, so far, to be keeping afloat. Here is advice for you all young ones that I would never have thought I would give. Do NOT pay off your bills, hoard your cash for basics. Credit cards are being cancelled and if you should find yourself out of work you MUST have several months, I would recommend a year, of money for your BASIC needs. I have always been a proponent of being debt free, and am myself but this is not a time to try to accomplish that if it means skimping on your emergency money.
Timmie, I love it! Your comment about missing your mom and looking forward to her next visit when you can be relieved she is gone again. I had just about decided you were not normal in any way at all. Glad to see that you have a tiny bit of normal in you.

My daughter has shown signs of being a bit nicer to me of late. Just wish I would not have to nearly die for such treatment, it is hard on my body and I am running out of body parts. Just kidding, I hate people who rule by fear.

I am so glad your mom came and hopefully you will get her used to it. I know it would be better for the both of you. You are a good daughter, maybe a tad bit too good.
JM, deciding if you can afford to retire is the thing. Far too many folk figure their income higher than it will be and their expenses lower. While you no longer have the job expenses or necessity to fund retirement accounts you have more time to spend and it takes money to do some things. Also there is inflation and that is what bites you in the posterior. I figured for all of that but not for the current situation. Okay, I did, a bit but who would have thunk it would get this bad and I think it will be far worse. Luckily I only have a bit over a year before I start getting SS, if it is still around then.

The company gives a defined amount toward our insurance and if our group goes over we have to pay the difference. Since I was one of the ones who used a bunch last year it is partially my fault. The scary thing is that our company, as well as many others, are self funded which means they can cancel the whole thing at any time. We pay $6K a year for insurance now.
Diva K, how are things in your neck of the woods? Many layoffs and such or more stable? House prices? I am always amazed when I watch Househunters and they are in your neck of the woods and the houses seem very reasonable and nice to boot.
If anyone needs ideas on how to be cheap and get by on less I have given lessons on that for decades. I was once on a very fancy board locally and noted that I was the only regular person on it and when I asked why I was told it was because I was the only person they knew who had ever been poor.
Taking Tom bowling, doing some shopping today, yardwork tomorrow, dump and Slumdog Millionaire Saturday and "Grease" on Sunday. Why does everything have to happen at the same time? Hope I survive all this fun.
SG
BTW, lest you all think I am an icon of culture and class because of the erudite things I watch on Netflix - last night I watched "Last Waltz" a documentary on The Band. I danced around the bedroom and enjoyed it! Shades were drawn so the neighbors would not (laugh).