Sunday, June 12, 2016

Texas Kids Are Sleeping In CPS Offices...Please #BecomeAFosterParent

A couple weeks ago, we closed our foster care license.   Then my husband texted me this picture of our local newspaper:

...which lead us to find this online article from ABC News, which made us say WTF, except with the actual words instead of the acronym letters. It made me wish we could somehow go back on the decision that is very right for our family at this time, tell CPS "just kidding" and open our home back up.   Texas doesn't have enough foster homes and we just closed ours.

I texted with one of my foster friends, Kaley, about it, about the article, about our desire to throw open our doors and our arms and our hearts and welcome every kid from every county in our state, especially if the only option for some is to sleep in CPS offices after just being yanked from their homes.  My friend said this:  "I want to be able to do so much more than I'm able to do.  Being a human with limitations doesn't jive well with my heart for helping."  Another foster friend of mine, Elizabeth, once said to me "My heart is bigger than my house."  

Here's something I have discovered about foster parents:  When they commit, they commit big time.  All in.  All the time.  Give me all the kids, oh wait, I don't have enough house and only two arms.  

I already have three adopted babies, and because of that a severe dependency on coffee, wrecked knees, a wrecked house and yet my heart still wants to holler in the general direction of Texas as a whole: How can I help more?!?  

My foster friend, Kaley, that I mentioned above?  She's a single foster (now adoptive) mom.  She decided to jump into the trenches of this great need on her own as a single foster parent.  She's got a great support system of friends and family, but how much guts does that require to take on foster care as a single adult?   She adopted her precious son the week before we adopted our three kids.  She could say she did her time, made her mark, and get out of dodge, but no, she is up for the challenge, is staying licensed and wants to continue to foster.

My foster friend, Elizabeth, that I mentioned above?   She and her husband are fostering two young sisters in their two bedroom house and she has to tearfully turn down calls for more placements of children because her heart has the space but her house does not.  She and I have joked on several occasions about how Texas needs some villages/towns/compounds full of foster families that can support each other, cheer each other on and, most of all, provide a ton of homes for kids in need.

Where are more people like this?

My husband shared that ABC News article above on his Facebook the other day with his own plea to anyone, anywhere, who has any bit of pull toward foster care, to please contact me or him for more information about how to get started.  He came home that evening and said "Nobody responded to my post."  It wasn't with an air of dejection or disappointment.  No, it was sadly with an air of "I figured as much."

People will praise foster parents and expound upon their worth and necessity in society all day every day.  (I can't tell you how many times I've heard variations of "You're doing such a great thing" and "Y'all are incredible".   No.  Hush.  We are two people with a house and some energy and we said yes to something.)  But turn the conversation to "you could do it too" and folks get real full of reasons why not.  And I get it.  Not everyone can be foster parents.  But a whole lot more people could than think they can.

So how do we get them to catch the foster care bug?  God?  Hashtags?  Angsty, dramatic blog posts?

I wrote this post two years ago about why foster care is worth it and I stand by every word in it.   It is worth it and it is greatly needed, in any county and any state.  If you have any inkling whatsoever to know more, to try to start the process, to figure out how to foster and what it involves, please contact me.  Please.  Leave a comment here or message me via the contact form, Instagram link or Facebook link, all down the right hand side of my blog (doesn't show in mobile version, scroll to the bottom of the page and click 'view web version') and I would be over the moon to talk foster care with you, to pray for you, to pep talk you, to google resources in your area for you, to get you over the hesitation hump and into action mode.   My husband's Facebook post got no bites.  I'm hoping this one will at least get some nibbles.

Please.  For the sake of lonely, scared children sleeping in CPS offices...

Monday, June 6, 2016

Operation Get Out Of Debt By Age 35

I just turned 29 in January.  So math says that five and a half years hence, I will turn 35 in January of 2022.

We intend to be out of debt by the time I turn 35.

Yes, including the mortgage.

Yes, you read that right.

Yes, we realize that sounds absurd.

However, yes, it is doable.  Here's how:

Our debt is not insane
Our cars are long ago paid off or bought with cash in the first place.  Our credit cards are not so long ago paid off.  That just leaves student loans and mortgage.  Let me say that our old house, purchased in 2009 if that says anything, was reeeeal cheap compared to a lot of mortgages out there. Only five digits, to be frank.  At this point, we actually have more student loan debt than we do mortgage debt. Gross. So my comment above of "yes, including the mortgage" should maybe instead be "yes, including the mountain of student loans."  But at any rate, we are not dealing with an insane amount of debt here overall, hence why this plan feels so doable.

Our one income family is soon to become a two income family
My hubby graduates from seminary this December and will once again become a regular wage earning individual.  For the past year and a half, we have basically lived on my income alone, plus some part time work of his, and it has been completely sufficient.  His pending increase in wages will be a windfall of dollars available to pay off debt that we have not otherwise been used to.

Adoption assistance pitches in on kid costs
If you adopt a sibling group from CPS foster care in Texas (or a single older child or a single special needs child), you are eligible for adoption assistance.   This includes staying on Medicaid for health insurance, free state college tuition, and a monthly stipend amount from the state which for our situation (it can vary) amounted to the max available of $400 per month per child.    Yeah.   Whoa.  So we don't have to pay for health insurance for three kids or save for college tuition for three kids, and in the meantime, we get $400 a month times three kids.   A smidge weird, not gonna lie, to have the state of Texas helping pay to raise our very own kids, but it sure helps.   So, now that our adoption is finalized and our regular foster care reimbursement and daycare subsidy went away, we still have assistance to help with kid costs.

We're talking about almost six years to accomplish this ridiculous yet possible plan.  Gonna be a few raises in there.  More dollars for more debt pay down.

We don't intend to escalate our lifestyle whatsoever
We have always been a big fan of people living within their means.  It just makes sense for your lifestyle to not get bigger than its britches.  So instead of escalating our spending as we have these increases in income mentioned above, we're gonna stay right where we're at, with used cars, an old house, few vacations, hodge podge clothing and basic/few kid toys.  We live a full, happy, unique life already and don't need fancy stuff to complete it.

But WHY???

Um...why NOT?
I don't like debt.  Who does? I think most people would love to blast their debt and have it out of their lives but unfortunately these days it is just so common for debt to remain a regular part of our lives.  It's just a fact of life for most middle class people...there will always be a car payment...there will always be a mortgage payment...there will always be a credit card payment...   But it doesn't have to be that way.  Life doesn't have to be lived with debt.   Maybe it's a mindset issue, a motivation issue, a planning issue, a responsibility issue, an expectation issue, an appearance issue.  There will be a different culprits for different households, but debt does not have to be the norm.  We decided long ago that debt would not be our norm.  Fun fact: my original plan was to be debt free by the time I turned 30 and we were gonna do it, but then my hubby went back to school and three babies showed up at our doorstep so that got a bit derailed.  But now we are on task for the next half decade.

A family tradition
When I was a little kid, in the early 1990s, I remember one day my dad came home from work with a funny look on his face and something stuffed down the front of his shirt.  He danced around and cutely made mom dig it out.  It was a piece of paper, crumpled by that point.  Mom read it, let out a squeal, jumped up and down and hugged dad like crazy while we kids stood around wondering what the heck was going on.  They had paid off their mortgage.  On the big house they had built on 30 acres less than ten years prior.  For some reason that moment of absolute joy between my parents lodged in my 8-ish year old memory and never went away.

I asked my dad about this the other day, to make sure I had my memory right.  Of course he remembered it too.  I told him "Good job on that.  Good example" and told him we were ramping ourselves up for our plan to be debt free by the time I turn 35.   He said "Well thanks.  And I'm excited about your plan.  You can not imagine the freedom and peace and comfort and other opportunities you can experience and enjoy when you are out of debt.  Go Futrals!"

So we are hereby starting a family tradition of kicking debt out of our lives as soon as we possibly can and keeping it that way.  We've got our spreadsheets and our plan and, most important, our resolve.

Also once we're out of debt we're gonna get another motorcycle, whatever the hell motorcycle we want.  So...there's that too. :-)