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Joel,
Just a word of caution. When you start taking umpiring money and using it to cover living expenses you should be aware that you're approaching a decision point wih this - is umpiring something you do for fun exercise and release OR is it a business. When some folks realize that they are now umpiring for income, they change their approach to the games an that can cause a problem. For others, and I think I'm in this group, it's not a problem. Yeah, my approach has changed somewhat because I now look at this as a part-time job, with the income covering some of the normal living expenses.
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Steve M
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