You know what really grinds my gears?!

You know what really grinds my gears?!

I was going to post today about the updates to my interior design today, but I’ve realized that I’ve neglected something huge that’s happened at different points along my Tiny House journey.

As a single female (barely) under 30, I understand that there are many things I may not know a lot about while building my Tiny House. I have never installed drywall, tiled a shower, or laid a floor. I don’t own a nail gun and I hadn’t used a circular saw until just a couple of weeks ago. I wear pink and have six earrings in each ear. (I also wear blue and love DCs, but I digress…) I have outsourced the spray foam insulation, electrical work, plumbing, and shell build to others who are much more qualified that I am.

Now with all that being said, I’d like to finally address something women everywhere probably think, but never say. I’d like to address the elephant in the room.

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Just once, I’d like to be able to hire someone or talk to a professional without getting hit on.

That’s right. I fucking said it.

It’s not too much to ask for, really. I mean, do men get hit on when they walk around in paint-covered shorts and smell like two-day-old sweat? I’ve smelt them; I can assure you they do not.

I’m just saying that it would be nice to go get my oil changed without feeling like I’m being hustled to replace parts that are absolutely fine, just because the mechanic assumes I know nothing about cars. (Even though I don’t.)

I would like to walk into a gun shop without getting the side-eye from the salespeople. I usually get asked if I’m buying a gift for a brother or father. (I like guns. So…shoot…me?)

If you offer me a deal, I would like to be given a discount because of my professional merit, because you think I can advertise for you, or because you are offering a special.

I would NOT like to be given a discount because of my appearance. I will NOT sleep with you if you give me $100 off a big project. I will NOT feel obligated to go out with you if you start throwing freebies my way.

Here is a less obvious example of what I’ve been dealing with. Two weeks ago I went to Home Depot with my dad to look for light sockets for my antique sconces that I found on Craigslist. We split up to look for them for two reasons: 1.) We had no idea where they’d be or if they even sold them in stores; and 2.) We’d imprudently gone to Giant Eagle first. (Why is that imprudent, you ask? Because we’d bought ice cream. It was 92 degrees out. Again, I digress…)

So here we are in Home Depot, wandering the aisles aimlessly, when I decided to buck up and just ask someone for help. A nice middle-aged man showed me the correct aisle and I promptly found what we needed. Bingo! Mission complete! I “ca-cawed” to my dad to signal that I’d found them, and he promptly whistled back. By the time he got back to me, I was surrounded by three or four Home Depot associates.

But Rachel, you needed help. You said you didn’t know where the item was.

True. But at this particular point in time I no longer needed help. My sales trip was all wrapped up and I was just waiting in the middle of the aisle for my dad to meander over.

But Rachel, maybe they were just bored. Maybe they just wanted to make conversation.

Possible. But when my Dad found me his comment was right on: “How come I’ve never gotten that much help when I come in here?!” Then they scattered like baby mice.

I’m not going to throw any individual person under the bus, but so far in working on my Tiny House I’ve been asked out, texted about how beautiful I am (that was from someone on Craigslist – creepy), and one even told me he’d leave his wife for me. My whole point is that I would just like to be treated professionally. If I am hiring you to build something for me or help me with a project, I am hiring you.

I can also fucking fire you.

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And before you all get your panties in a bunch, let me clarify some things.

  • Am I saying I could complete this project alone? No.
  • Am I saying I wish I were dangling-dingleberry-butt ugly so I no longer got hit on? Nope.
  • Am I saying I could get along just fine without a faux marriage proposal every other week? ABSOLUTELY.

So think before you speak next time fellas. I know you’re ruled by your penis and all but do you really think “buying” a lady is something you’ll feel good about later?

Scratch that last part. I don’t trust your feelings. Just stop fucking doing it.

 

 

 

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I’m in the Pursuit of Happiness

I’m in the Pursuit of Happiness

Have you ever put off things when you’ve really wanted to do them? How many times have you said, “Oh, maybe next year”? How often have you wished for the financial freedom to live out your dreams?

I can tell you that my answers to those questions are probably not surprising. They may even coincide with yours. If I had a dollar for everything I wish I could’ve done in life, I probably would have had enough money to have done them. I’m not even talking big trips or vacations, but small excursions that someone else may take for granted. One example: Each year I see a list of concerts coming to Pittsburgh, PA and I list out all the ones that I’d love to go to. I check ticket prices, I check sales dates, and I mark my calendar. And do you know how many I go to? I’d say, on average, 1-2 per year. (And that is only because last year and this year I’ve gone to more than usual.)

Here’s another for you. I often get too lazy to see my friends. I rationalize to myself that it will cost too much in gas, plus then we meet somewhere to eat, plus a drink or two, and before you know if I’m crashed on my couch pants-less eating Cheetos and Twizzlers for dinner having canceled on my friends yet again.

Does that ever happen to you?

I hope so, because if I’m the only one that does this, that’s pretty embarrassing. Well, me and Ron White

In any case, I’m going to operate under the assumption that I’m not alone since I know plenty of procrastinators and putter-offers. You don’t have to admit it here, or even to others, but for the sake of your own mental health you must at least admit it to yourself.

We all have different ways of doing this. Some people fill their schedules to the point of bursting until they have a mental breakdown. Others feign being busy so as to rest, watch TV, or Netflix and chill (alone). Still others just ignore problems until they no longer can, which in my opinion is the worst approach to take.

I’ve been guilty of each of these at different times, but at least I know it now. I know that when I put off doing my dishes for the third straight day to watch reruns of “Law & Order” that I’m not being productive. I know that when I wake up earlier than usual and waste that time on Facebook rather than getting ready or taking out the trash that I’m not making good use of my time.

So why do we do this? Why do we procrastinate? I’m guilty of it, obviously, and in many more ways than I mentioned above. But why do we do it?

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One theory I have is that we always assume that we’ll improve our circumstances by next week, next month, or next year. Much like our oft-forgotten and ill-begotten New Year’s Resolutions, we assume we can change our lives without making much effort. I see all the infomercials and ads for “quicker-faster-better” results. Burn fat now! Get rich quick! 22-Day Fix! But does any of this really last?

No, is the short answer.

We have to want to change our lives and ourselves before we actually embark on this journey.

First, we have to WANT to change. Now I don’t mean:

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Or:

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I mean you actually have to define what you want in real terms. It’s too easy to ignore a goal when you have no accountability for it. But if you take the time to lay out a plan, it will seem like you’ve wasted time by giving it up. Rather than joining a gym alone, get yourself a work-out buddy. Instead of promising to read more on weekends, join (or form) a book club. Instead of wishing you were outside, go outside.

The great thing is that we all have our own goals. We all have the right to pursue our dreams the way we want. But in this TV-watching, movie-streaming, Facebook-stalking “modern” world, we have to hold ourselves and each other accountable.

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So now let’s focus on the JOURNEY.

We need to accept that the best things in life are worth working and fighting for. Is it more rewarding to work hard to buy your mother a birthday present or to steal it? Would you rather earn your diploma or cheat your way through school? Is it better to read the entire book or just the CliffsNotes? (On second thought, don’t answer that last question. I’m afraid of your choice…)

When I started college, I assumed I’d graduate in four years like any “normal” student. After all, I was always smart and I did well in school. That didn’t happen for me. After giving up for five years, I went back and reached my dreams. I finished that journey.

And I started a new one. After four years of being in a so-so relationship, I made the very difficult decision to break up and learn what it meant to me an adult in the world. It’s been tough and it’s been wonderful. It’s necessarily had its ups and downs. It’s been a learning experience and I hope it never ceases to be. I have found pieces of me that I never knew existed. I’m still trying to regain pieces of me that I thought were lost forever.

This journey that I’ve embarked on this year has taken many twists and turns and it’s only been a few months. I’ve changed my mind, made decisions over and over again, and changed my mind some more. I’ve angered people, pitied people, been angry, and been pitied. I’ve taken some hits and I’m sure I’ve dished some out. I’ve made some good deals and I’m sure I’ve made some bad ones.

I just know that I am no longer willing to exchange the life I want and the life I lead for the life I could maybe-possibly-someday have. I’m no longer willing to suffer today in hopes that tomorrow is better. This life is a journey, and I’m going to enjoy it until the end.

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Financial freedom?

Financial freedom?

So as you all know, a large part of my Tiny House journey has been about finding my way financially in life. My ultimate goal is to live on the income from one job without sacrificing things that are important to me. I don’t want to have to give up all of my worldly possessions to live in a huge empty house, right?

So I have been keeping track of the things I’ve bought so far for Tilly. I’m going to give you a run-down of what I’ve gotten so far as well as costs associated and pictures, if I have them.

KitchenSo here is what I’ve spent on my kitchen so far. I’m not completely done, but there are some amazing things to note here!

I got some items for FREE! I got my cabinets and countertop from a friend who was tearing out his kitchen.

Nearly everything else I’ve bought so far has come from Craigslist or eBay. I negotiated WAY more than I could at a big box store or even some specialty shops. I still have a couple of big appliances to get, but this is a great start!

I had to make a really painful decision regarding my appliances. I bought a beautiful stove and microwave set from my friend but ultimately they were just too big. I had to sell them and settle on smaller appliances. I’ve decided my best bet now is to go with a cooktop and large toaster oven rather than a traditional range.

Living Room

 

Next up is the living room… Originally I wanted to purchase a brand new couch from Ikea immediately. It has a chaise lounge and pulls out into a full queen mattress for company. But after crunching some numbers I decided to wait. I’m going to keep my almost-new sofa a while longer and use an old brown leather ottoman as a table/footrest.

I’ve been searching Craigslist for a couple of months now and I bargain for everything I want. For example, I got two antique sconces for just $15 after they were originally listed for $65. When I got there to pick them up I realized what bad shape they were in and he just wanted rid of them. SCORE! I also picked up free white shelves/cubbies from my old job and a brand new ceiling fan (with a remote) for $40.

I purchased some plywood to build a desk/table and I’ll jazz it up with some stain and metal details. I also bought a brand new fireplace from Wayfair when it was 20% off.

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So many of my plans changed from my original bathroom layout. In fact, most ALL of my layout has changed. More on that later. But for the purpose of this financial post, I must address the bathroom. I nixed the idea of a smaller-than-normal shower and opted for a smaller-than-average bathtub. How much smaller you ask? It’s 46″ long. Here it is:

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Bathroom

I picked this pretty puppy up on Craigslist brand new for $125. As it turns out there is a local warehouse that gets lots of run-off from Home Depot. While I was there I also picked up an American Standard toilet, the most beautiful vanity light (below), a kitchen faucet (also below), and a sink. Now I’m returning the sink in order to get my dream antique sink (below), but it was still a great find!

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Now for the big category. This last category includes everything from exterior stain to my water heater to my contractor who’s doing the electrical and plumbing installations.

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The items in red are items that I’ve budgeted for but haven’t bought yet. Since the plumbing and electrical are set to be done by the end of this weekend and the insulation is next, there’s no sense in buying the walls, ceiling, and flooring until I’m ready.

The big ticket item on this list is my radiant heat floors from Thermosoft. I couldn’t be more pleased with the experience thus far! I wasn’t sure exactly what I needed to I called their Customer Service. They had me send them a layout of my floorplan so they could work up a quote for me. The representative called 4 or 5 times to get it all right and still got me a quote the same day! The price above got me my heated floors, underlayment, thermostat, and extra floor sensor. As if that wasn’t enough shipping was free!

So there you have it. I’m trying to be as frugal as possible so as not to break the bank. I took a pay cut to work for a local non-profit and I love my new job. I am also only working on job right now, so money is tight. I will pick up a second job again soon, but for now I’m just enjoying my summer with Tilly.

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Back from the dead…

Back from the dead…

First, I want to apologize to those of you who were/are loyal readers. I obviously took a more-than-brief hiatus from blogging about my Tiny House journey. I shan’t do it again.

Second, I’d like to take a brief moment to appreciate the beauty that is young Bruce Campbell from his “Evil Dead” days.

*pause*

Le sigh. Now that that’s out of the way… It’s time for some Tiny House (and life) updates!

I will try to blog each day this week to document what has been going on with my Tiny House. For one, I must introduce her in all of her glory. This is a picture of my THOW the day it got delivered to my parents’ house…

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Tiny House delivery

This, my friends, is Matilda; I call her Tilly for short. I named her such for several reasons.

  1. I loved the childhood book-made-movie “Matilda”. I even re-typed the entire book in grade school to improve my typing. #goals
  2. In the book-made-movie, Matilda is small but magical. I’d like to think my Tiny House will be the same…
  3. Tilly is the name of my high school lunch lady. She was small, adorable, and gave us extra tots. Who doesn’t like free tots?!

I have been working on Tilly most weekends since she was delivered. Needless to say, things have been taking much longer than expected. Here is Tilly’s near-finished exterior. (It’s still got painters’ tape on it so she doesn’t look 100%.)

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I’ve also updated my interior plans for Tilly, which I’ll show you later this week. #teaser

All in all, things have been going well. However, I’ve had many changes in my life since my last post…

  1. I changed jobs.
  2. I am only working one job right now.
  3. I am happily single and not looking for anyone.
  4. My depression is a bit more under control.

I am working for a non-profit very near my apartment now. I ditched the waitressing job for a few reasons, but mainly due to the long drive. I will pick another one up here shortly, but for now I’m enjoying having my weekends to myself.

I have also been buying MANY things to outfit Tilly which I will probably update this weekend. I am also thinking of switching my blog over to a wordpress.org site so I can generate some income from my writing. That is probably a big part of my lack of blogging the past few months… I was afraid to blog more on here in case I switched over. But since I haven’t made that decision yet I couldn’t wait to post any longer!

More to come later tonight…

The Millennial generation: Entitled or just different?

The Millennial generation: Entitled or just different?

You can hardly peruse Facebook or news sites these days without finding some commentary on Millennials. Some articles insinuate that Gen-Y is entitled and lazy, while others delve a little deeper to look into the challenges many in this generation face.

I recently read an article about how Millennials spend their money titled “Pets, debts and e-cigarettes: how millennials spend their paychecks”. Now I wouldn’t consider myself part of this so-called Me Me Me Generation but according to Wikipedia’s age range I am smack in the middle of it. (Okay, so maybe being born in 1986 puts me about 1/4 of the way in, but I look younger than I am… Right? Right?!?) In case you don’t have time to read the article, here is an overview:

  • A non-scientific case study of six Millennials ranging in age from 23 to 29 was completed to see how they spend their money and how much they earn.
  • Salaries ranged from $0 (one young lady was unemployed) to $130,000 annually, with a median income range of $30,000-$33,000 a year.
  • Each person spent their money in different ways, but both income and spending were self-reported. Their expenses were then broken down into the top five categories.
  • The highest reported expenses were typically rent, food, and student loans, closely followed by things like medications, daycare, and car payments.
  • Of their top expense categories only one person listed hair appointments, one listed cigarettes, two listed gym memberships, and one listed travel.

The question I’m left with after reading this article is:

If we’re spending money on the same things as other generations, why are we being labeled as entitled?

Now let me jump to my own life; if I were to be included in that article, what would my “Top 5” look like?

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Now let’s see how my income stacks up:

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Assuming everyone in the article works an average of 40 hours per week, the average hourly rate would be $21.31. In comparison mine is $20.24. With my second job and working about 65 hours per week, my income per hour drops to $19.55.

It looks like I am right in line with others in my generation. I know there are a few in the higher echelon and many more making less than I am, but for ease let’s just go with the numbers we have here. With the average monthly rent payment of $790 and a mean net income of $2,770.83 per month (if we are all in the 25% tax bracket), this means that Millennials, on average, are spending about 28.5% of their income on rent. Completing the same calculation for student loans, Millennials spend an additional  24% on college debt each month.

When other generations describe Millennials as being lazy or extravagant spenders I get a little riled up. In fact, one of the issues my own parents have when it comes to my spending is that they “don’t know where all my money goes”. Even when I break everything down, showing them my budget, they don’t believe me. It seems like a lot of people from Generation X are wearing the same blinders. After all, they paid rent (or a mortgage) and made much less money than we’re making now. So why can’t we save like they did?

There are a myriad of possible answers to this question, not the least of which is inflation, but I’m not going to get into that right now. What I’d like to focus on is student debt. This 2013 article featured in The Huffington Post goes over some of the numbers haunting Millennials. The most relevant point to me is that the average student loan debt of Millennials graduating with a 4-year degree is around $26,600. The article points out:

This can be contrasted to 1993, when less than half of students graduated with debt, and those who did had an average of $9,350 in loans. Maybe we are just bad with our money?

This writer echoes what I’ve heard so many Baby Boomers say: “You’re just bad with your money.” I think all Millennials everywhere throw our hands up and retort right back with me: “Fuck off.” Because it’s not just the fact that we have student loans. It’s the inflation of the cost of a college education that’s really killing us.

I started college in 2004; the tuition there at that time was about $34,000. The tuition at that same school today, 12 years after I started, is just under $55,000. The same education now costs 62% than it did when I started college.

You read that correctly – 62% percent.

In comparison, let’s look at U.S. inflation over the same period of time:

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Calculated by http://www.usinflationcalculator.com

 

I’ll just come right out and say it. $42,700 is nowhere near $55,000, and 25.5% is nowhere near 61%.

So the added burden of student loan payments, is it any wonder why Millennials can’t save for a mortgage, pay for a new car with hard-earned cash, or deposit more into their 401k each month?

I think this is part of the reason people my age (or younger) get excited when they hear me talk about buying a Tiny House. They struggle with the same financial burdens that I do. Even if they can’t see themselves living in a Tiny House, it inspires them to think outside the box in terms of living situations and expenses. The people that balk at this idea are primarily members of older generations who do not understand the weight that is student loan debt.

We can’t buy huge houses then pay them off in 10 years (like you did) because we’re paying the amount of your mortgage in student loan debt every month.

I can’t keep banging my head against the wall to conform to what one group of people thinks of as “normal”. My circumstances are different than yours were at my age. My priorities, therefore, must be different.

It’s time for our parents and grandparents to look at us in a new light. It’s time for Generation X to give Generation Y a little break. It’s time for us to look at our futures differently. Because we are different. And like you taught us Mom and Dad,  different just ain’t so bad.

Let us become the swans you always said we could be.

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People don’t suck?

People don’t suck?

So yesterday I posted about the terrible happenings of this past weekend. (If you missed it, read the last post here.) I also posted a link to my GoFundMe page asking for donations to help me get back some of the money lost in the burglary and to replace the window. I didn’t expect much… maybe $100 or so to help me pay back some of the ensuing credit card charge. But you guys have been very generous and I thank you from the bottom of my heart for it. So far you’ve raised $350 in less than 24 hours.

You are amazing.

I negotiated my bill with the auto glass company down to $300 including tax, so this has already been covered. I thank you so much! The money left to raise will go toward the cash that was stolen. I’m almost tempted to take the GoFundMe page down, but then I remember how much my feet hurt after working from 8:00 Friday morning until 1:00AM Friday night and I resolved myself to leave it up. Plus, the kindness and support and messages I’ve received are wonderful. You are wonderful. Thank you.

Now I turn to the real reason for this post, which is to take a moment and reflect on this situation in its entirety. To start, one person sucked, and sucked big time; he took my money and wrecked my car window. Then, people hugged me, bought me drinks, and sat with me while I was in a bit of shock. Yesterday, people started donating to help me recoup some of this money; people who couldn’t donate sent notes of encouragement.

So how can I look at this situation and conclude that people suck?

That night, after my money was stolen and I’d had a drink (or three), I started talking to one of my friends about the situation. (Mind you this was before I’d considered the cost of the window repair. I was only thinking about the stolen cash at this point.) In my slightly tipsy and ever-pensive state, I started talking about the nature of human beings and my relationship with them in the world.

There have been many times in my life when people have tried to break me. I assume everyone reading this has been in at least one similar circumstance. Just a few examples: My purse was once stolen out of the trunk of my car at a football game. I was once stalked and forced to quit my job because a co-worker was upset and decided revenge was the ticket. (She even wrote, “I’m going to rape and kill Rachel” on the door of the building I worked in. Fun, right?) There have been countless occasions of bad friends letting me down amidst the depths of my depression. And after each bad interaction I think to myself, “I should just stop trusting people. People hurt people. I’m sick of being the nice guy while everyone else shits on my life.”

But after this situation, in that moment, with the people around me being so kind as to make me cry, I didn’t think that. Instead I said to my friend:

I’m not going to let this break me. I am not going to allow some lowlife junkie to determine how I’m going to feel. So my tips were stolen… No one was hurt. I’m not going to allow this one awful person to make me a worse person. I’m going to continue to try and do good. I’m going to be the person I am. I’m not going to let this jade me.

And in that moment I felt what I was saying with my whole heart. While it should be noted that the next day I had other (angry) thoughts, nonetheless I’m back to feeling this way now. And the reason I feel this way again is because of the people who have reached out. It’s because of those who are determined to prove that not everyone sucks; not everyone is out for only themselves. There are still people out there who have sympathy, empathy, or compassion.

I’m lucky in this life to have even a few of those people around me, and I can’t thank you enough.

And now you:

What have you overcome in your quest for goodness? What is the worst thing someone has done to you that has made you question your intentions?

It was all going well until…

It was all going well until…

..there were some major setbacks this weekend.

Most importantly, my builder had some unexpected things come up and he was not able to deliver my THOW shell on Sunday. We are rescheduled for this coming weekend, on Easter Sunday to be exact. And that turned out to be all well and good considering what happened Saturday night…

As most of you know I have been working two jobs since November to try to save for my Tiny House. As some of you know, I have been working 70-80 hours/week to save as much as possible before the THOW arrives. As a few of you know, 80 hours/week is my cut-off for losing my mind. I need at least one day off a week to rest and recoup.

There was no resting or recouping this Sunday. Only anger, a sense of betrayal, and the ensuing depression.

My car was broken into at some point Saturday night. All of my tips from Friday were stolen. The money was hidden in my car as I was going to deposit it that night after work. I checked it between 4:00-5:00PM when there was a slight lull in my shift.

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When I came out after midnight (after having been there since 9:30AM), I went in my car to change my shirt and have one post-shift drink. That’s when I noticed the glass in the back of my car. Nothing else was stolen even though my purse was in my car. All of my debit cards, credit cards, and keys were still there. The only thing missing was my cash.

We called the police and they say they’re going to pull the camera footage from neighboring businesses. They say they’re going to look for this guy. They say with any luck they’ll find something in the footage. They say, they say, they say. I’ve had my car broken into before. I know how this works. I’m out the money the thief stole as well as the money to fix the broken window. The person won’t get caught and, since I think it someone I work with at the restaurant, I have to either quit or feel uncomfortable for the rest of my time there.

Now I usually work Monday thru Friday (8:00-4:30) at my day job. I then work Wednesday, Thursday, and Friday nights and all day Saturday. I have one bank account where my main job’s paycheck is deposited and another just for my tips and other income. This helps me to keep things straight and not spend what I’m making at either job.

As of Thursday when I updated my budget, I only needed about $65 to hit my income goal for the restaurant this month. Then I made $315 on Friday night, which is a very large amount of money for 7 hours or so of work. One of my regulars gave me a very generous tip for which I was beyond grateful, and all because he sees me working hard and wants to help me achieve my goals. He tells me this every time he sees me. It is encouraging.

Not only has this thief robbed me, but he has robbed others of their good intentions toward me and my life. He has robbed me of my sense of security and made me more than a little vexed with my car. He’s robbed me of the $315 in hard-earned tips and the $300+ it will cost to fix the window he broke.

For the record, if you ever have to break into your SUV, the vent window is the most expensive window to break. This isn’t a picture of my car but another one similar to it, and I’ve circled the vent window in red:

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Even though it is the smallest window, it is permanent and considered part of the door, so it must be sealed differently. For my SUV with the privacy tint, I got quotes ranging from $305-$499 for this window alone. Never break this window if you can avoid it.

Now I’ve said before that I don’t want to ask anyone for money for my Tiny House project because I am fully capable of doing this alone. I can work hard for this and wear my body out every week until I have everything paid for. I can do whatever it takes. But this was such a blow, both mentally and financially.

For this reason, I’ve decided for the first time to ask for a little bit of help. I have to write two very big checks in the next week (one for the down payment on my land the other for the remaining balance for my THOW shell) and this $600+ swing is coming at exactly the wrong time. If you can, please considering sending just a few dollars to help me recoup this loss. It would be more appreciated than you know.

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Go to: http://www.gofundme.com/rachelsbrokenjeep to help me recoup my THOW money. Anything is appreciated!

Here is my GoFundMe link. Click here: Bum Thief Broke My Jeep Window fund or go to: https://www.gofundme.com/rachelsbrokenjeep. PLEASE share it as well. I am not asking for more than I lost in this fiasco. Thank you all for your continued love and support.

 

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An extra special thank you to those who have already helped me deal with all of this over the past weekend. Thank you to those who drank with me afterward to numb myself, let me crash with you, taped my window up like surgeons, and continued to text me to make sure I was okay. You are wonderful friends and you know who you are. I won’t embarrass you by calling you out by name, but I owe you more than you know. Thank you.