Category Archives: Widows Managing Finances

PRESSING the RELEASE BUTTON and OUR Plans

Buttons, Death, decision making, Doing New Things, Faith in God, Fears and the Widow, Fighting to grow, God's Will, Grief, Grief at 5 Years, Loss, Miscellaneous, Widowhood at 5 years out, Widows Managing Finances

I pressed a release button.  It had not been an easy decision to be making by myself. 

I listed a piece of Residential/Commercial property that Loren and I had purchased on Main Street in  beautiful “Timbertown USA” 26 years ago. In the Commercial Storefront, we owned and operated every-guys-dream-business the first 9 years.  After he tired of the walk-in-retail-component, I then moved Julia Wasson Music Studios into that space for 17 years (where I continued teaching voice/piano lessons ~ having just now completed 32 years of private lessons).  Loren and I had also lived in the home the first 7 years while we built our dream at the ranch.  

“If life had remained as Loren and I had dreamed and expected” this property would have been placed on the market the summer of 2015.  Because Loren was going to retire in one year, he wanted me to close the music studio and have more time to play at the end of my workday.  In addition, OUR PLANS were to use a portion of the proceeds of the sale towards building another building at the ranch and  restoring a hot rod that Loren was bent on racing at the drag strip.   

To go back further yet in time, BEFORE WE DECIDED WE WERE GOING TO PURSUE SELLING THE PLACE on Main Street in 2015, we were going to chase our newest diversions by taking out a loan since we had much equity at the ranch.  Approximately 6 months before he unexpectedly passed, we had gone to our locally-owned Bank and filled out an application.  The Loan Officer saw no reason why this wouldn’t be an easy transaction, with our good credit and long-time standing with this Bank. We waited and waited. Lo and behold, 10 days later the Loan Officer/Head Manager of the Bank called… explaining she was shocked how the requested loan was not approved, yet alone with a satisfactory reasonable answer as to why! 

As Loren and I quietly drove to a restaurant later that evening, discussing what our next step might be, I specifically recall saying, “THIS MAKES NO SENSE.…but….God must know something that WE don’t know…. Something must be going to happen that we are unaware of….” 

….Those words that I had then spoken have replayed in my mind multiple and multiples of times since his passing…. 

To get back to the story, SHOULD WE HAVE been approved of that loan, SHOULD WE HAVE built that other building, SHOULD WE HAVE restored that hotrod….. I would NOT have been able to stay at the ranch on my income! 

I am convinced: God sometimes steps in to spare us….sometimes from ourselves….to protect us….to help arrange our ducks for our unknown-to-us-future.   

P.S.  Since my awesome renters, of the home, are moving to another area in Oregon and I no longer want to deal with the pressures of new renters and the ongoing upkeep of another building, I am selling the place. As far as the private teaching goes, I’ll keep giving a few piano/voice lessons.  Just at a different location.

WIDOW BRAIN and How To HELP the WIDOW WITH It

Death, Fears and the Widow, Grief, grief at 4 years, grief in the workplace, How To Help Widows, Loss, Miscellaneous, New and Seasoned, widowhood, Widows and aloneness, Widows and Friendships, Widows and their Adult Children, Widows Managing Finances

At first, I thought I was losing it.  Or did I blame it on the shock of Loren’s unexpected death?  Amongst the searing pain with the never-ending adjustments of living without him,  I couldn’t put my finger on it… but how DOES someone identify something they’ve never lived with before…. this foreign symptom….how DOES a person have the where-with-all to even TRY to concentrate enough to process what is happening to them?  who can even verbalize it?….the heart and the body simply hurt too much.

…in complete honesty… I had been laughingly (slight humor remained in me) excusing myself with these two words… especially when with the people I felt safe with….just hoping that others, who didn’t fit in that category, didn’t notice the deficits.

WIDOW.  BRAIN.   Yes, I was an organized person AND I still ~ LEGITIMATELY had “WIDOW BRAIN”:

  • Forgetting to show up to a hair appointment
  • Having the oil changed in one of the cars 2,000 miles TOO EARLY
  • Forgetting to get a monthly venom allergy shot
  • Forgetting how to jump start a vehicle, how to start a generator
  • Inconsistently eating full meals and drinking enough liquid
  • Making out-of-character-for-me errors during Bookkeeping
  • Taking twice as long, at my job and at home, because I knew I needed to double-check all organizational and financial responsibilities for accuracy

PRACTICAL WAYS the Widow can combat her “WIDOW BRAIN”:

  • Keep a “to-do” list in a chosen place where you will often pass by it
  • Create an area where you will have easy access to your combined random notes
  • Write down important thoughts/future events immediately before you forget
  • Carry a Planner (Calendar and Notes) in your purse when you leave the house
  • Use your Calendar App in your cell phone for reminders
  • Every few days, compare your multiple “to-do lists” to make sure they are in sync
  • Journal ideas and insights (they will be few and far between in the 1st year of grief)
  • Get out of bed before 6:30 each morning and eat immediately
  • Be consistent with a new well-rounded routine, 7 days a week

PRACTICAL WAYS the Friends of the Widow can assist her:

  • Lovingly ask if she has eaten today
  • Lovingly ask if she is sleeping at night and taking a short nap each day
  • To jar her memory (per chance she has forgotten appointments) ask if there are scheduled Appointments she needs to be taken to

PRACTICAL WAYS Adult Children of the Widow can assist her:

  •  Per chance she is new to sole financial responsibilities, help her establish her new “Now-Budget and Payment Schedule” on paper
  • Per chance she hasn’t paid bills online before, help her learn to navigate it 
  • Ask about the status of the finances every few weeks and help if needed
  • Continue to assist her until Probate and because-of-death-transitions-and-obligations are completed

I’m just grateful I no longer feel the heavy weight of rocks, as in the picture.

I COULDN’T DO IT EARLIER, CHECKS and Ms. Wasson

Christian Widows, Death, Doing it God's way, Faith in God, Fighting Grief, Grief, grief at 4 years, grief in the workplace, Holidays and Grief, Loss, Miscellaneous, Navigating the Holidays, Widows Managing Finances

I couldn’t do it earlier, that is, finish the Probate on Loren and the Commercial Business. A long while back, I eagerly approached Probate in stride.  I was finally emotionally and physically ready for the long hefty process.  In fact, I felt great relief as I wrote the final check to the lawyer.

My Ultimate Belief Even When I Don’t Feel It

BUT NOT THIS MONTH. IT’S DECEMBER. I should’ve known by now how the month of December accentuates happy or sad feelings.

Yesterday I went to my pre-arranged appointment with a 3rd Bank.  Since Probate is closed I’ve been advised it’s necessary to close out certain accounts. 

Honestly, at 4 1/2 years out I’m shocked how hot, dripping, searing tears along with physical pain can randomly return so readily….it’s worrisome to not be able to control how my body reacts. Even though I am at work today, I’ll just hope that most adults and children don’t notice my hoarse voice, red swollen eyes and face. It would be quite wonderful if these random crisis-modes would only happen when I’m not with other people.

I’ve decided I will carefully lay away two or three unused “invalid” joint owner checks where his name is above mine.  It doesn’t matter that there will be skipped check numbers on the Bank Statements. In my heart alone, I’ll know why this was purposefully done:  we were a team in business, in sharing finances and in life.  And even though I well know he is not here, a deep place inside of me still holds on to the “joint status”.

I still can’t say goodbye to that.  Quite frankly, I’m not sure I ever will.

To seal the deal, walking down the hallway at work this morning, I suddenly noticed another change:  beneath my Staff Identity Picture someone changed my title to Ms. Wasson. Dagger directly through the heart. I took a photo of it and texted it to Brenna. I won’t even attempt to tell you how many minutes more tears poured.

Christmas is almost here. I know God will keep empowering me. I also know this winter – in – my – heart will soon end…..again.

NOt a NurSe NoR a PuRSe

Dating and Widows, Death, Doing it God's way, Faith in God, Family, Fears and the Widow, Grief, grief at 4 years, healthy boundaries, Loss, Miscellaneous, Nurse or Purse, widowhood, Widows and aloneness, Widows and Friendships, Widows and Marriage, Widows Managing Finances

Absolutely the truth! I have deep sorrow because I will never have a picture of Loren and I holding each other close and dancing at this age.

My Grief Share girlfriends and I often joke how it is our intent to not be a “NURSE or a PURSE “.  We don’t say this out of spite.  For me, these words are out of self-protection and great awareness.

I know this sounds harsh for a widow to say, but the truth is, “There are men out there in the world who are trying to gain from a woman’s loss”.  When my brother in law died I remember hearing Loren warn his sister of those situations.  Two of my eight girlfriends have personally experienced this (Purse) in the past 6 years.  Of course, it could equally be said there are women out there who are happy to gain from a man’s loss.  And yes, I know there are good men in this world…

Should you assume most widows have wads of cash sitting around you are  dead wrong.  The truth is, most of us lost a large percentage of our household income. Even if there might have been life insurance most of us paid off bills with that money.  The circle of widows I hang with do not fit in the category of “Purse”.

When I married Loren at 20 years of age I willingly vowed to love him in sickness and in health, for richer or poorer, through happy times and hard times. Not understanding the depth of what all that might entail, both of us fulfilled those vows. Granted, we weren’t always on cloud nine,  but I never lost my sense of commitment towards staying with the man I married, towards working alongside the man I married and enjoying the camaraderie with the man I married.

I was emotionally and devotionally prepared to eventually change his diapers….. whether it be because of illness or old age.  I had loved his body well throughout the years and to care for his future aging-physical-needs would’ve been an honest privilege.

I’ve become quite the people watcher, that is “an-elderly-married-couple-people-watcher”….  I smile as I watch them help each other.  I smile as I watch them communicate with each other, noting how each couple seems to have their own private language.  At 4 ½ years out,  I’m rarely jealous as I watch them.  Honestly, for-the-most-part I feel grateful that my spouse won’t have to physically care for my body as I age.

By now, a variety of people have asked me or said,  “Julia, do you ever think you will remarry?”  “Julia, you deserve to be loved again.” “You are just afraid”.  “I’d feel better knowing you have someone to watch out for you as you get older”. “The love won’t be the same as it was with Loren, there will never be another him, but you can find another love.”

I know I could (quote) “find another person to love”.  I just can’t imagine there ever being another man I’d want to SHARE MY LIFE WITH.  Loren, and our life together, set the bar very high.  Our lives flowed in and out of each other. To live with anything/anyone that would not meet those (dare I say it?)  “expectations / qualifications” would seem like a horrible letdown……plus:

  • I’m not willing to take a relationship risk whereas I was when I was 20.
  • I’ve also learned you don’t really know a person unless you’ve been around them for a few years in multiple life situations so, again, there’s too big of a price (emotionally and for the sake of my kids and grandkids) to take a risk.

Guess I don’t need to worry about becoming someone’s NURSE or PURSE.  Ha.

 

LiViNg Out THE big QUESTION and IT’s FOLLOW THROUGH while FLYING By tHe SeAt of mY pAnTs

decision making, Doing New Things, Family, Fears and the Widow, Grief, grief at 4 years, How To Help Widows, New Mindsets, unexpected things in life, Widows Managing Finances

In 2016 the Elementary Christmas Concert was cancelled 2x, back to back.   Snow and ice had covered the Willamette Valley. The Elementary School Christmas Concert was finally held AFTER the 2 week Christmas Break!  I was going with the flow….piece of cake to direct-perform with 500 kids who hadn’t rehearsed in 2 weeks. Ha.  Hey, I had survived death.  I knew I could ride it out and I did, because the surprises revolved around music.   But, now the 2019 Holidays are approaching and once more I am starting to recall how those “once-little-things-to-me” now seem to bring higher stress.

Before Loren passed away  I was already making strong progress towards becoming less rigid.  Learning to wing it.  Go with the flow.  Fly by the seat of my pants.  He loved how I had learned to live life well at a moments notice.

Where I’ve now evolved into a “more-eased-person” I’ve EQUALLY discovered DIFFERENT things now bring stressors.   Maybe I shouldn’t be surprised…I’ve been forced to execute life in a new role, so maybe my body and emotions will scream at me in new areas?

  • As of last Thanksgiving, after the meal, I officially resigned from preparing the turkey or ham for future family Holiday meals. Leave me the mashed potatoes, gravy, dressing, sweet potatoes AND a side vegetable but no more main dish!!
  • As of the 2018 Christmas season, I officially resigned from baking the majority of the favorite goodies for our gatherings.  I needed to “share the wealth” and I must say my kids are stepping up to the challenge.
  • (I’m still looking for more ways I can share those duties that moms are expected to do…)

Many times,  I’ve had to ask myself,  “IS  THIS  A  LIFE  OR  A  DEATH  SITUATION?”  (in comparison to my 20 minute attempt to revive him when he died).

IF IT DOESN’T FIT IN THAT   “Is it a life or a death situation”   CATEGORY,  I then:

(1)  determine to give full necessary attention to it (being a good steward of my investment)

(2)  have a few long hard laughs about the irony of the situation (all of the CRAAAZY things happening  AFTER  Loren passed)

(3)  sarcastically saying, “ It’s  ONLY  $ ” (when in reality it’s killing me to pay for it)

(4)  all the while doing my best to de-stress myself and maintain some gratitude for God’s provision and care for me

Frankly, IF I believed in bad luck I’d be saying,  “I’ve had LOTS of  ‘bad luck’  since Loren died”.    But the reality is, things need replacing or repair from normal wear-n-tear & age.

In both September and October 2019, I’ve had to rehearse “The QUESTION and IT’s FOLLOW -THROUGH”:

  • I was without water for 5 days…my underground one mile water line broke (SOMEWHERE between the Community Water hookup/meter along the highway… back to my home… the distance of one mile…up hill…down hill…through the forest…through a field)… Two Businesses / Professionals doing some of the diagnostics and labor…sons doing some of the back breaking labor….with me overseeing all of it plus experiencing some back breaking labor. Job completed.
  • Drip.  Drip.  Drip….then gush,  down my one interior log wall.  Discovering I had deteriorating, torn composite shingles, in one specific valley,  on the 16 year old roof.  Repair possible and completed.
  • The 40 year old Gas Furnace in the rental gave up the ghost. No repair possible because parts were obsolete.  Job completed.
  • The Electric Heat Wall Unit in the studio gave up the ghost. No repair possible.  Job completed.

I’ve actually pondered the validity of moving to a NEW house/property EVERY 10 years….that is, before pesky repairs start to be necessary…  yet that is not a viable option for me, financially or emotionally.  I’ll just keep rehearsing “THE QUESTION and IT’S FOLLOW-THROUGH” and continue practicing the art of flying by the seat of my pants… all while hopefully having a good dose of wisdom.