How Luck Prepared Us for Disaster

Right now, I have a firm grasp on positivity… which of course means that later, I’ll have a firm grasp on a bottle of whiskey. My highs are really high and my lows are really low. I half-ass nothing.

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So, in my latest up moment, I’ve been considering all the ways that I’m at an advantage during this pandemic, either by good decisions I’ve made that have ultimately prepared me for disaster, or the more likely scenario of pure chance. I’m a firm believer that where liberals tend to underestimate the role of moxy and self-determination, conservatives tend to underestimate the role of luck. So here’s a mix of both.

We’re used to eating at home.
Zetus lapetus, I don’t know how you people eat out all the time. Jake and I split a McDonald’s burger and fries (no drink) to celebrate Easter, since it was already the lamest holiday ever and it cost $7.26. That’s why we never eat out and y’all are crazy. Fortunately for us, this means we’ve got quite the cache of recipes, because we’re used to cooking. We’re not eating pasta night after night, but instead we’re eating soups, stew, salmon, enchiladas, salads, burgers, garlic green beans, battered fish, fries and tots, coconut haystacks, chocolate chip cookies, cake mix cookies… We’ve developed a lengthy menu over the years. Since we come home for lunch, that includes lunches. We are not scrambling for meal planning ideas.

I’ve been cutting our hair for years.
Zetus lapetus, I don’t know how you people get your hair cut all the time. A few years ago, I decided I wanted bangs, but I knew they’d need more upkeep than my twice annual haircut, so I bought some hair sheers on Amazon for $15 and started doing it myself, with tips from YouTube. A year ago, Jake asked me to cut his hair, so we could save the $20 every couple of months. For the cost of one of those haircuts, I bought a trimmer on Amazon and have been doing it ever since. Despite all salons being closed, there are no shaggy folks in the Granger household.

I own walking shoes and workout equipment.
I’ve had an elliptical for years and purchased my rowing machine about a month before the pandemic really hit. I also bought a good pair of walking shoes about six months ago and live in an older neighborhood with large lots and wide streets, so walks are a great way to get out of the house.

We don’t have kids.
We want to do the baby thing soon, but we haven’t gotten around to it just yet and I’ve gotta say, what a time to be childless. I cannot imagine going through the highs and lows I hit in one day with small children in tow. I miss my job and the days feel long and meaningless, while I’m constantly terrified that I’ll get news that there won’t be any paychecks after a certain date. I can’t sleep, because I wake up and remember we’re in the middle of the apocalypse. It’s exhausting and I’m so glad I’m not solely responsible for another human’s health and well-being at this very moment of my life.

We have stable(ish) jobs. 
They’re furloughing nurses and doctors in my state, during a pandemic. No job is 100% safe. Jake and I, however, have been lucky enough to keep our jobs and pay thus far. While I’m home, I am doing three remote programs a week with my homeschool kids, to justify that pay and none of my managers seem worried that we’ll lose it, let alone our jobs. Jake is essential, if people want to continue getting water in their homes, and he goes to work every day, as per usual.

I have a contingency plan.
If the bottom falls out, I just passed my school media certification test to add another subject area to my teaching certificate, which I’ve kept going all these years. They will always need teachers and I can always teach… even if that means eventually relocating to Jake’s home state, where teachers are better compensated.

We already bought a house.
Realizing that Cherokee property values were soaring and recognizing that if we waited to buy until we had a 20% down payment, we’d price ourselves out of the market, we purchased our 2,300 square foot, 1980’s flip on over an acre, for $210,000 with 5% down in 2018. Since I have no idea what Covid-19 is going to do to the housing market or mortgages as a whole, I’m really glad we’ve already bought a home that we plan to stay in for at least the next 15 years.

I just refinanced that house.
Literally, two weeks after the lock down, we signed the paperwork on a lower fixed interest rate and a lower monthly payment, which stated that we’d already earned 10% equity. We won’t have to make a mortgage payment until June and can use those payments to secure our financial position.

We’ve paid off a lot of debt and are now nearing an ideal financial situation.
I married a man with a nest egg and that is pure luck. Do any of y’all remember my rants about Fifty Shades of Grey and how I’d let a man hang me upside down and gut me like a deer if he’d only pay off my student loans? That happened!

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Not that part… the part about the student loans. While I still owe on my federal student loans, they’re on an income based repayment program that only counts my income and comes out to about $220 a month, while the remainder is due for public service student loan forgiveness in 2024. My private student loans, however, were killing us. We were paying $300 a month just to keep the phone calls at bay, because we weren’t even touching the principal… that is, until my romantic hero swept in and paid them all off, along with my car and credit card, ultimately lowering our overhead by quite a bit. We’ve also paid off multiple credit cards since then and managed to secure a car payment of about $200 per month, while maintaining a sizable emergency fund.

I like my husband… and for some reason, he likes me.
I’ve seen a lot of memes and articles citing the stress that this pandemic is putting on marriages. Maybe it’s because Jake is still going to work each day or because we have a lot of space to offer each other, but I just don’t feel that way. I have thought a hundred times how much worse this pandemic would be if I were single. I could barely handle getting iced in all alone during Southern snowstorms in my twenties, and those only lasted a few days. I would go crazy with no one but my pets, sitting around 24/7 reading articles about the end times.

During Armageddon, Jake gives me a reason to be in a good mood, to be sober, to keep a clean house, to make healthy meals, as opposed to my famous single girl dining experience of Lotso Snack Foods. Marshmallows and maraschino cherries for dinner anyone? Jake provides comfort and company and someone to share sad McDonald’s burgers as we celebrate Isolation Holidays with video games and drinking. For some reason, he’s grateful to have me around too and I’m beginning to think that’s it’s just his provider instincts. When crisis hits, he needs something to take care of… enter me. 

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2 thoughts on “How Luck Prepared Us for Disaster

  1. Hi there!

    Thanks for the detail on this – your transparency and willingness to talk about all of this is great to read during the apocalypse. Good to know that someone else is enjoying the cooking-at-home as much as I do.

    Just joined the blogging community, and yours is lovely!

    Best,
    M

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