Goal Setting: Achieving Your Financial Resolutions This Year
Author: Aaron May, Advertising Coordinator

2016 Year End Tax Planning
Author: Amelia N. Proctor, CPA, Senior Vice President, Trust Business Development Officer

All About IRAs
Author: Curtis Hinshaw, TBT Financial Services, Guest Blogger

And Now for Something Completely Different
Author: Kimberly Spinks

Thinking Forward: A New Way to Look at Personal Finance
Author: Aaron May, Advertising Coordinator

Women and Work: Why Salary, Benefits, and Work-Life Balance Count
Author: Amy Proctor

Women and Estate Planning Basics
Author: Mitzi Bjork, Financial Advisor

Elder Abuse & Senior Scams: What You Need to Know
Author: Kristen Ishihara

Determining the Need for Long-Term Care Insurance (LTCI): How Much Is Enough?
Author: Jerry Martin, Financial Advisor

Women: Planning for the Financial Impact of Children
Author: Amy Proctor

Converting Savings to Retirement Income
Author: Curtis Hinshaw, TBT Financial Services, Guest Blogger

Student Board of Directors Experience
Author: Bethany Simmons

Raising Money Smart Kids
Author: Tammy Gage, Community Relations Officer

Banking on the Future of Texas Communities
Author: Rogers Pope, Jr, Vice Chairman and Chief Executive Officer

Spring Cleaning for Your Personal Finances
Author: Aaron May, Advertising Coordinator

Women's History in Banking
Author: Tawny Browning

Staying Connected Through Social Media
Author: Sherry Gibbon, Vice President, Community Relations and OMNI Manager

Did you ever think that you would be able to ‘Pay’ with a watch?
Author: Sheri Parish

Wide Angle Lens
Author: Kimberly Spinks

12 Resolutions for 2016
Author: Amy Proctor


How We See It

Tawny Browning

Tawny Browning

November 4, 2013

52 Week Savings Challenge
Week 19

If you read my last blog entry you know that I had two life bombs hit me and was worried about a possible third. Well, I will not leave you in suspense any longer…it hit!

I have no two-legged children so I am used to just taking care of myself; however, I do have a four-legged son named Jack. He is a miniature Schnauzer and my whole world. My friends think I am crazy because I treat Jack as if he is human. I do not even use the “D” word (dog) in my house, but if you have a “fur baby” you know what I am talking about.

jack 1

Jack is five years old and completely healthy and perfect.  But over the past few weeks I noticed that his ears were bothering him more than usual (Schnauzers are known to have sensitive skin and ears) because he kept rubbing them against the carpet and constantly scratching them. Over the next couple of days his ears developed a horrific odor, so I began washing his ears everyday rather than the normal twice a week. One morning I woke up and Jack’s ear was so swollen and red that it almost looked as if there was some sort of growth forming on his ear. I immediately called his vet to schedule an appointment for that day.

So my poor baby Jack and I are sitting waiting for the vet to come in. I can tell he feels miserable plus the fact that he despises the vet and starts to shake uncontrollably. I tried to calm him down but had no success. His vet finally arrived, who by the way is amazing, and gave him a good thorough exam. Jack kept eyeing at me with this look that said, “Mommy, please help me!” which was so pitiful, but he was a brave boy through his shots and ear examination.

After all of that, we discovered that Jack has a severe ear infection with two different types of bacteria. His vet goes on to tell me that he will be on four different medications and that his ear problems may never fully go away. He may have them the rest of his life in fact. With all of that bad news, she proceeded to hand me a $300 bill and says, “We will see y’all in a couple of weeks.” All I can think of, with my mouth dragging the floor in shock, is “what is that going to cost me?”

So, of course $300 was very unexpected and not in my budget at all, but I am so thankful that Jack has what he needs to get better and would pay it again for him in a heartbeat. Because of this, I am having to readjust my budget and not to thrilled at what my finances are looking like. My boss likes to say to me, “Positivity, Tawny! Positivity!” in an almost sing song like voice with an incredibly enormous grin on her face. It’s true, I can be a little pessimistic at times and need to be more positive, but here is my view on the “it could always be worse”-type mantra. Everyone at some point has challenges in life. Yes, there could always be more or worse challenges, but it does not make the challenges you already have any easier!


Total savings: $190



Trish Gage  |  Posted: November 5, 2013 - 8:00 pm
Sounds to me like Jack has a wonderful mother! It is only from life's hurdles do we realize our endurance. Kudos Tawny!
Kathleen Gillihan  |  Posted: November 8, 2013 - 3:55 pm
Trust in the Lord with all your heart and lean not on your on understanding in all your ways acknowledge him and he will make your paths straight. I truly do understand your trial. We have been trying to save for years and it has been one thing after another. Now I just trust in the Lord daily to provide our daily needs. It says in the Lords Prayer "give us this day our daily bread". I have had to learn this over the years not overnight. Rest In JESUS HE LOVES YOU AND HE WILL MEET "ALL" YOUR NEEDS. He has not let us down but provided for us everyday. PS. I took the challenge and we only have $34.00. Not giving up! I will keep on trying. PSS. I have 3 adorable dachshunds and recently my oldest needed 300.00 worth of care too. I do understand. Keep the FAITH!!!
Tawny Ormes  |  Posted: November 14, 2013 - 10:35 am
Thank you Trish, so true! And Kathleen, thank you so much for the wonderful words of encouragement. Good luck with your challenge as well. We all have to stick together! Thank you for reading!

Post a Comment

All comments are subject to approval. Read more.


About TBT

Who We Are Join Our Team People Who Make a Difference TBT Spirit of Giving Contact Us Site-Map

Helpful Links FDIC Consumer News FAQs

Consumer Protection

Fraud Protection Center FDIC Update Privacy / Security Disclosures
Member of FDICAn Equal Housing Lender
Powered by Encore Multimedia.