Standing at the Trailhead of Winter

So, after an early morning conference call, all I can say is, "I told you so." I've been telling my husband for a year and a half now that the financial burden was going to be laid on me since I'm the one with the steady, reliable income. He kept insisting we wouldn't be held responsible for the full amount because of his heart attack and unemployment. After reviewing each of our assets and expenses, the verdict came: one person is in the negative (my husband) and one person is in the positive (me). Because one person is in the positive (me), the full amount owed must be paid. I told you so. I told you so. I told you so. Sheesh. I mean really, it's not rocket science. It's money owed because someone thought he was smarter than the system and could get away with fudging numbers despite me constantly telling him he was going to cause financial problems for us. Gee, look what happened. Exactly what I said was going to happen. Even during the c...

I've been working on the business plan for my bike shop dream, and after completing the section on market needs, I scrolled down the outline I put into place to see just how much more I need to develop. My shoulders slumped. I felt like I was right back in grad school, writing that 20 page paper on The Tempest . After several hours of writing about the evils of colonization, I thought surely I was on page 20. Sadly, I was only on page 8. While some ideas come easily and I can write about them with little effort, other areas, really important areas, get pushed to the side and ignored. I thought I was getting close to being finished with the business plan. Ha! Not only do I still have over ten sections to fill out, but these sections deal with numbers, something I usually try to avoid. I didn't like algebra in high school, and I didn't enjoy trigonometry and statistics in college. Hence the degree in English. Why can't I just walk into a bank and tell the loan officer m...