Yesterday I got gas for $20 and dinner for my daughter and myself. It was a total of $26 spent for the day.
Today I spend $7 for a dozen donuts on the way back from the biopsy. That is all I spent. The hospital validated parking and my DH bought me dinner since I hadn't eaten since last night.
Got paid today, but am too tired to work out all the details right now. Had the 2nd biopsy today.(went much better than the one last week) Left home at 7:00 this morning and got home at 8;30 tonight. Everything that needed to be paid was set up with an automatic payment, so I am not concerned that something didn't get paid. Just too tired to work out the details right now.
DH left as soon as we got home to drive his brother and SIL to Savannah to pick up 2 cars that they bought. They will drive down tonight, get a hotel room and drive back tomorrow. I suggested waiting until tomorrow to leave, but they wanted to be able to drive during the day tomorrow in case there are any problems. Kids are at the Dad's so I am home alone until sometime tomorrow. Peace and quiet! Now if i could just find someone to take the dogs!
Archive for January, 2009
Yesterday I got gas for $20 and dinner for my daughter and myself. It was a total of $26 spent for the day.
I had a dr appointment to find out about the dizzy spells.(Fluid on my ears). Copay $20 Prescriptions $39
Son had chiropractor appointment(not covered by insurance) $35
Total spent $94. YIKES!!! The Chiro was already in my budget, but the other two items weren't! Have to make more adjustments.
Discussed with DH the need to get some of the logs in the woods above our house cut up for firewood. I found some firewood in the paper for a pretty good price, but he is adament that he will get the logs down and cut up. We also decided that he would take his truck and load it with gravel then spread it himself. We can get a load of gravel cheap...we usually pay for the delivery. We are in desperate need as our driveway is a big mud pit due to recent rains! Working on more money saving ideas.
I have my 2nd biopsy tomorrow. It is at a different hospital. No eating after midnight and we have to be there earlier...so we have to leave the house at 6:00 AM!!! UGGGGG. I am so not a morning person!
I woke up and got in the shower this morning. As I was drying my hair, my daughter came in sick. She has a spot on the back of her head that she scratched to bleeding in her sleep. So I have got to take her to the doctor. I could have stayed in bed!!!
Yesterday was a NSD. Go Me! I have added some forgotten expenses into my budget and don't know how I am going to get through the next couple of weeks. I always do though. While I don't want time to fly, I just want to get this over with!
This is not financial, but I am frustrated! My surgeon called me this morning. He was looking over the CT biopsy and had spoken to the radiologist. They felt that the needle was a little high for where the biopsy needed to be done. In other words...THEY BIOPSIED THE WRONG SPOT!! Dr suggests that I have another biospy done. I will have to think about it.
If I have another one done, it will be at another hospital. I went to Atlanta(2 hour drive) to have a more experienced crew. HAH! No one verified my information when I checked in(still had employer for 1999; wrong address; and had my EX HUSBAND listed as the emergency contact). They were fixing to put me in a room when I noticed this information on the paper they were picking up. I was not given an id wristband. The nurse came to take blood and couldn't because I didn't have a band. My nurse kept insisting that I was staying the night(even though I was only there for out-patient). She also kept disappearing. Not an impresive experience.
However, I think my doctor has priveleges at the hospital across the street. They will probably be a better option should I choose to do it again. Not real thrilled at the prospect of having it done again, but the peace of mind will probably cause me to do it.
My jaw is also starting to hurt again. I have been doing everything the ENT told me. So I have a call into my dr for some antibiotics for a sinus infection...probably the cause of my dizzy spells lately.
I am falling apart. I am only 36 years old! I shutter to think about the future!!!
Those of you who have been following my blogs know that I "divorced" my husbands finances. We keep them completely seperate. He gives me money toward the household expenses, but the house and all utilities remain in my name. But I have been noticing a trend lately. When he runs out of money, he assumes that I have some!
He gave me $227 last week and paid a dr bill for my son. I had told him that I needed $300. It worked about about the same. But he tells me as he is giving me the check that he will need gas money this week. I just let it go. Then he called me today and said that he needed to get some gas money in order to go out to his brothers and help him return some equipment(that they both benefitted from). I told him that I was running short this week and was going to running on fumes this week. He said that he might have to go pawn something. My immediate reaction was "well, I could probably spot you $30 or $40". Why didn't I just say ok??? How is it my problem that he can't budget? When I say I need $300, I mean $300. I don't mean $300 and then I need to give you gas money!!! To me, that comes out of the $300. Granted, he has given me alot of money the last couple of weeks. And granted he didn't work much last week because of the weather and my dr appointment. But we are behind and trying to get caught up. Then it will level out.
I have done well seperating our finances. I used to try to pay all of his stuff and that just caused me to be near a nervous breakdown. So my enabling this week is just a minor setback.
I am trying to live different...which means not spending every last dollar! Which means planning! And truth be told, I haven't really "ran on fumes" in a couple of months. But he just isn't to that point yet.
Well, I planned on making two mortgage payments this month, thereby getting it caugh up. I have juggled and moved all that I can. The only way that I see that I will be able to accomplish this is if I take the money that I have been able to save(about $250) and use that. I am thinking that this is the smart thing to do to get my mortgage caught up. Then I won't have that worry any longer and I will be able to start saving again without that fear, with the economy being what it is. I should be able to put the money back if I make my goal on ebay and my husband gives me some more money.
So what do you think? Take the money out of savings and make the payment or leave the money in savings and continue to run a month behind?
I have figured my ebay sales for the month since I am unlikley to sell anything else this month. I failed to get anything listed over the weekend due to Cheerleading competitions and such. So after figuring the fees and all associated costs with the lisitngs, I made a profit of $164!!! YEA! I am hoping to continue this next month, but I am out of big price items to sell so it will have to be done with a bunch of little things, which take more time. I do have a bunch of things on the newly created "ebay table". Anytime I am cleaning and come across something I can list, it gets put on that table. So I am semi-organized in this effort.
I did purchase ink for my printer at home and ordered boxes from the USPS to totally prepare shipments at home instead of having to stand in the PO and wait for them to help me!
My best friend had a family situation a couple of nights ago. Long story short, her daughters cell phone was broken. Although they have the insurance, it is $50 to replace the phone. I decided today to give her the $50. This will not put a serious crimp in my budget. This friend has helped me out before when I needed it. Although the phone isn't a need, it will relieve a little of her stress trying to figure out how to replace the phone. It feels very good to be able to do this for them. In the past, I have never been able to help anyone. Since I have been living with a budget, I have been able to put money where it makes more of a difference and I rarely run short! It is amazing when I just started paying attention to where the money was actually going!
My daughter had pictures at cheerleading and one of the moms brought in Subway! How dare her! Anyway...that led to us getting subway for dinner. We haven't eaten out in a really long time so I am not going to beat myself up over it.
My doctor called me with the results. The biopsy was normal and showed that it was scar tissue. But that leaves more questions. What is causing the pain? Where do we go from here to determine what is causing the pain. He said that the biopsy may have aggravated the area and to give it a week to see if I am still in constant pain or if it goes back to just once in a while. I really like this doctor and trust him based on our family history with him...but I am not ready to just "let this go". There is pain and I want to know why!
I have been swamped at work today...I like being busy and kind of wish it was this way all the time!
Yesterday was a pricey day as I had to refill my prescriptions..$55. Ouch! It was $20 to ship items sold on ebay and $6 for a gallon of milk and a newspaper! Another Ouch!
So far I have sold $153 on ebay this month. Someone wants to come get the gas logs that I have listed on Craigs list. That will be another $100. I was worried about sticking to the plan for the mortgage, but it looks as if I will be able to handle it with no problem!
Just got home form the biopsy. I am sore but not in too much pain. It took alot longer than anticipated...not the test itself, but the waiting. We had snow last night so it took a little bit longer to get out of town, but the closer we got to Atlanta, the snow disappeared. They have already called off school for tomorrow as well.
I spent $7 at Chic-fil-a for dinner(Hadn't eaten since last night) and filled up for $23. It has been an expensive gas week so far and it is only Tuesday. The extra trips to cheerleading aren't helping! And we have to go back to Atlanta on Sunday for our first competition.
I called to make the appointment to get contacts. The appointment is next Thursday at 3:30. This is one of my goals! So it will be met next week! I am so excited!
I spent 9.00 yesterday for some labels to print postage through paypal. I also ordered a bunch of the free boxes from the post office. I am getting the hang of the shipping thing!
Still not sure how I am going to handle getting the mortgage paid(see previous blogs) but I am sure it will all work out. I am closer now and I know that my husband will be giving me some money between now and then...so it might be close.
I set up automatic payments through bill pay to come out of my checking tomorrow based upon an automatic deposit that comes on Tuesdays. However, since today is a holiday, it won't hit my account until Wednesday. Hoping that the automatic payments don't clear until Wed!(since this is a check that they actually mail, it should be okay.
I have my biopsy tomorrow. I am really nervous about it. I was okay at first but now I am freaking out. What if it is cancer of some sort. It hit my on Sunday that I never upped my life insurance. I only have $15k through work. That is hardly enough to bury me and pay my bills. I am sure that the house has credit life insurance so it will be paid off but with this market, converting that to cash will take a while. And then I would be leaving my kids to live with my ex(who is in a less than ideal living situation) and this would send my sisters into a frenzy causing a huge civil war in the north Ga Mtns! I am trying to stay calm and collected..but that only works for a little while.
I know this is long but I needed to get all of this out...especially about the biopsy...don't want to worry other people. That is what I do...I hold everything in. So thanks for listening.
I had another one of my baskets sell this morning on ebay. That brings my total for the month to $114. After I sell all of the baskets, it will be hard to meet the challenge, but I am willing to try. I am excited to get rid of stuff that I hadn't thought about listing. Even getting a little bit of money for them is better than none!
I also listed some VHS movies(disney) on half.com.. I was keeping them around thinking they would be nice when I have grandchildren...but it suddenly dawned on me that by the time I have grandkids, no one will have a VHS player any more! Hopefully someone still wants them!
Yesterday was a NSD! It helps when you don't leave the house!
I have met my savings goal for January...I am so excited. I was looking at my accounts this morning. I have had $60 in my savings account and $20 in each of the kids savings account for about 5 weeks now! that is unprecendented in the history of me! Not only that, but I began transferring the $50 a pay period into my sisters account in december and she hasn't taken any of it! She is starting tomorrow I think...but I have had $100 sitting in that checking account as well for almost a month! I haven't transferred it back or relied on it in anyway!(overdraft protection). And my other sister hasn't cashed her checks for $300 yet...so that has been sitting in my account. Although I can't spend it and want to make sure it is in the account, my financial picture at the bank is looking good! I also haven't bounced a check since November. I used to never bounce checks, but I had begun to depend on the $500 overdraft protection...so getting back to not doing that feels really good!
I realized last night that the cheerleading competition season starts next week. I didn't take that into account when I worked up my budget. Although I figured high on gas for the two week period, I have to now add the cost of admission to the competitions for my husband and I. I also need to pick up a few things at the grocery store...not much but $$ I hadn't planned on since we are well stocked. So now I am really not sure how I am going to be able to keep up the mortgage plan...but I am absolutely determined to make it happen! When I make my budget, I need to get to a point where I alot a certain amount of money for unexpected items...right now I budget right down to the last dollar...and it is just unrealistic to assume that I won't have to spend anything unplanned between paychecks!
I also realized last night that I am paying $35 a week for the chirpractor for my son. That is $140/month! This isn't covered under insurance. But I wonder where that money has come from...I never would have been able to keep this up before! I am so thankful that my finanical journey has begun.
I made the first of three mortgage payments to be made in the next 4 weeks. This one was for December's payment. Will make the January payment 1/30 and then the February payment 2/13 and wa-la...my payment will be caught up! I am a little anxious about this because it looks like I am a litle short(ok, maybe a lot) to make this happen...but I am going to make it happen. If I have to move things around, it isnt going to be the mortgage!
I am joining the ebay challenge as well. I have enough crap around my house to get rid of...little things I have never thought about putting on ebay. So far this month, I have sold $107 on ebay. That is not usual for me so I will have to work at this challenge.
I was tempted...I was starving by the time I was heading home. My husband had decided to go work on his truck(see husband rantings post). It was just going to my my son and I for dinner as my daughter goes to her friends house on Wednedsays and then to church. I thought about all the options...Taco Bell...Pizza Buffett...pizza delivery...wendy's. But in the end, we went home and had grilled cheese and french fries. GO ME!
We went and picked up my son's truck last night. When did I become old enough to have a child that has a car???? Just doesn't seem right to me. But none the less, I have a child that has a car. He is very excited about it. He should get his license next month. In a round about way, my mom loaned him the money to get the truck(loan from insurance policy in his name that she owns). She made him read all of the papers last night and sign that he had read it. He has to make monthly payments on it. I am not worried about him and money...he is like a scrooge and has learned well from my mistakes. Trust me, you don't want to borrow money from him!!!
This is not on the subject of finances, but I am frustrated! When my husband starts a project,, he goes all hot and heavy for several days or until it is done, foresaking all other activities. His latest project is a truck that his mother gave him. He purchased the radiator only to find out that the engine was cracked. Long story short, he traded the two trucks that are sitting in our back yard(previous unfinished project) for an engine and has been working on the truck since Tuesday(would have been Monday, but I was stuck in Atlanta and he had to take daughter to cheerleading, much to his disappointment). We got the check today for my son to go pick up his truck. And where is my husband? Working on the truck!!! He said that he would be home by 9 so that we could go get the truck. Now I am not old, but feel like I am. I am in bed most nights by 9:30. So this is really cutting into my sleep time. Not to mention that it seems cruel and unusual punishment to make a 15 year old boy wait so late to pick up his first truck when he has already been waiting on the check for almost a week!
Now I know this about my husband and most of the time, I can accept that my husband probably has some form of ADD, but today for some reason it is really ticking me off! I don't know if it is due to the medical crap going on or because I haven't slept well the last couple of nights and I am overly tired. But I am going to explode shortly!
I put six items on ebay Sunday...of course I knew I was already going to be taking a loss on these items. But no one even bid on these until today! No watchers even. There are usually watchers. I realized today(right before the auction started ending) that I had mis-spelled the maker of the baskets! So if people searched for the right name, they wouldn't have found mine! I am so frustrated! I got less than $10 for all 6 items! UGGGGHHHHH!!
In other news..I have to have a CT guided biopsy done on Tuesday. The CT on monday apparently showed that I have a "thickening" of muscles, which is probably just scar tissue, but the dr wants to be sure before he goes into the depths of my stomach. So we will be driving the 2 hours(one way) again on Tuesday. I am glad that I went to this doctor though because I doubt that the doctors up here would have investigated as thoroughly as he is.
I am very thankful for the health insurance that I have. My company offers a top of the line policy for relatively peanuts. I only have a $200 deductible and so far all of the CT scans I have had done have been covered 100%...no meeting deductible or anything! YEA!!! During my research I also found out that in-patient mental care is covered at 100% following the $200 ded. I might have to use those benefits after having dealt with this inconvenient health crisis!
I went Monday to the surgeon. He wasn't sure that the hernia is what is causing my pain. So he ordered a CT scan. Fortunately I was able to be worked in so I didn't have to drive the 2 hours one way again this week! But it made for a long day. The contrast they made me drink was nasty! I should hear something from the doctor today.
I spent quite a bit of money on Monday. The doctor was $40. The gas was $23. And dinner was $25(bought my best friend dinner because she gave up her day to go with me to the doctor).
Tuesday was better. Only spent $2 for hair ties and $8 for shipping an ebay item.
I have 6 items listed on ebay. I listed them at no reserve. I have only gotten 3 bids...for the .99 starting bids. It appears that I will be selling a basket that I paid upwards of $40 for for .99 unless there are some more bids in the next 6 hours. It is a very frustrating lesson learned. My only saving grace is that the money spent on these baskets was spent years ago when I wasn't in the financial crisis I am in now. Like purchasing the baskets is not a recent bad decision. Does that make any sense?
I haven't left the house today...and don't plan to since my husband has my car. I have spent no money today!
I posted some more of the "collectibles" on ebay. I might make another $100 or so. I think I got the shipping straight this time...lets hope anyway. Still have more to post, but the batteries in the camera died and I can't find anymore in the house that will make the camera work!
I was just looking at my financial picture. Things are looking pretty good. I still have to come up with some money by the end of the month, but I think I should be able to between listing these things on ebay and what my husband should give me. Ordinarily, this time of the year, I am just trying to hang on until I can do my taxes. I have always done the rapid refund becuase I REALLY needed the money. This is the first year in a really long time that I am not counting the days until I can do my taxes. I think I might actually do them on turbotax myself. I am just so excited!
I also have money in my savings account and my kids savings accounts. Sure it isn't much. But this is the first time in almost a year that the money put into those accounts have stayed more than 2 weeks! This is progress for me.
Took down the Christmas decorations today. I am home alone so I was able to get alot done. But I think I may have done too much as now my stomach is killing me! When DH gets home, he will have to clean the living room and daughter will have to dust piano. Go to the surgeon tomorrow. Not looking forward to that drive but can't wait to get this taken care of! Seems I can't get half of what I want to do done before I start to hurt.
Goody's is going out of business...I am sure that you have probably heard about it.We live in a town that doesn't have many shopping opportunities. Goody's is it. We turned into the Ingles shopping center(because I needed some things at Ingles) and there was a person standing on the corner with a 30-60% off sign. I told my husband that I probably ought to go see if there are any good deals. We were waiting for someone to cross the street in front of the ingles and I just got out of the car! I went into Ingles to get what we needed and came back out! My husband said "I was going to take you to Goody's". I decided in that split second that I didn't need to go to Goodys. I wouldn't have thought about going there if I hadn't seen the sign. I didn't need anything and I am definately am not at the point in my budget to be able to stock pile or buy just simply because things are a good deal. So this is a good victory for the new me!
I went to Home Depot yesterday to pick up some tools for the fence. THey have marked down their Christmas trees to $50! I was thrilled. Right after Christmas, this tree was $89. It was originally $130. so I was thrilled. However, when I inquired, the only one left was the actual one on display. It comes apart into 3 pieces, but I couldn't see me struggling with it. I guess that I have really started to get the hang of this money thing...because it wouldn't have been that hard, but I made up reasons why I shouldn't purchase the tree. It is getting easier each day to avoid purchases or to make up reasons why i don't want to go through the hassle.
I have to take my ebay items to ship today. Made about $100. I spent over $500 on the items 10 years ago, told that hey would appreciate in value. I was niave and spent money foolishly. They are only worth what someone is willing to pay for them. I have tried to sell them before and they never hit the reserve I was asking. This time I didn't set a reserve. It is worth it to me to have them out of the house and have a little extra money to help keep me on budget the next few weeks.
I spent $10.98 at Home Depot for the fence supplies. $15 in gas.
After the initial shock of the diagnoses yesterday I calmed down and began thinking rationally. I called and made an appointment with a surgeon for Monday that has operated on me before and my father before. I also checked my insurance. I should only have to pay $100 copay for the surgery, since it is outpatient. I talked to my sister(my medical go to person) and have a reasonable plan, as long as the doctor can work with my schedule. If I have the surgery on Wed or Thur, I should be able to at least work from home part time by Monday. This will cut down on the time off needed. I hate to use my days for this! Still nervous, given the past history, but at least I have done all I can to prevent the mistakes of last time.
I made $100 on the items I sold on Ebay. i straightened out the shipping fiascos and sent everyone corrected invoices. Will mail all items tomorrow.
I had to get gas this morning because my lovely DH didn't put gas in the car on the way home last night. Did I mention that I am ready to kill someone? Anyone will do. Just about togo crazy!
The truck for my son is awesome! DH will go this evening and put a deposit until the rest of the money comes. MS(son) is thrilled! Still talking about other truck, but at least he as different one to drive!
Today has not been a good day, spending or otherwise. I had a doctors appointment today. Been having this phantom pain in my stomach on and off for a year or so, but that has been constant for the last two weeks. Turns out I have a hernia. I have to see a surgeon next week, who may or may not suggest surgery. However it isn't that simple. The hospital in this area almost killed me about 8 years ago, different surgeon, same hospital. So instead of going to the doctor I was referred to that uses that hospital, I have to find another doctor that I can get into quickly. FUN!
I listed some baskets on ebay a few days ago. They are ending today. I have sold things on ebay before and had no issues. This time however, I screwed up the shipping. I have gotten no less than 15 emails today asking me to confirm the shipping(some of them not so nice!). I have answered each one and posted it on the listing, but apparently, no one reads the questions!! So I am irritated. I have never had this problem before and I am not sure what I did to screw up the shipping.
I stopped to get bagels and cream cheese and coke to keep at work, 9.08 I had a doctors appointment, $20 copay. My son had to go to the Chiropractor, $35. Prescriptions, $20.
I think I am going to go to bed before I end up hurting someone. I have been pretty irritable the last couple of days and a day like today didn't help!
We have found a truck for my son. I think it is really good deal. It is a 1972 Chevrolet that is in pretty good shape. He would be able to pay cash for it with the money that his grandparents have loaned him(he would have to make a minimal payment to them each month). It is not final yet...my husband has to call to find out the details of the truck.
I am so glad that he decided on a different truck. My husband has a Ford truck(that he had when we married) that needs a transmission and has numerous other "little" problems. My son was set on fixing that truck and driving it. I have done my best to talk him out of it. I am not sure, but I think the wiring may be bad...just not the type of truck I want my son driving around for his first car(for safety) So he finally listened(not to me, but someone else of course) and agreed to purhase a different vehicle.
I just received the water bill for my work address. Enclosed in the envelope was a letter stating that the handling of past due amounts had been changed. Altough these changes don't affect us(I have the bill direct drafted each month), I thought the condition seemed a little unjust.
The bill is due on the 20th of the month. Afer that there will be a fee of 10% added to the bill. If it isn't paid by the 28th, it will be disconnected, without further notice, no exceptions. If disconnected, there will be a $25 disconnection fee added to the account. Before the account will be turned back there, the account balance plus a $50 reconnection fee must be paid. If it is after hours, there will be a $100 reconnection fee. This just seems a little brutal to me.
If someone doesn't have the money to pay their water bill, how are they going to come up with the additional fees required? I would think that in this day and time, when the unemployment rate is so high, that a local utility would work with people a little bit more. I am not talking about the homes that are months and months behind and don't communicate with the utilities at all. I am talking about the one that are doing the best they can, call to communicate what is going on and keeps promised pay dates. It is no wonder that people are becoming more desperate!
I am so thankful that I am learning to not have to put myself in that situation anymore!
Well, I broke down and ordered a new remote control for the bedroom tv. It has been missing for almost 2 weeks now and I am going slight crazy! (with dish network the tv is useless without that remote!) I found a used one for $20 less than what Dish was wanting for it! It should be here tomorrow.
In other news, I think there is a bagel thief on the loose in my neighborhood! I went to get a bagel out of the freezer this morning to take to work and I can't find them! There should be 6 cheese bagels left somewhere and they are no where to be found!!! So although I thought I had planned for the day, I had to go through a drive through for something to eat today. Bummer. But now I know not to depend on a bagel for tomorrow morning!
Remote - 6.99
Lunch - 7.00
Gas - 21.00
I think I have a problem. I am addicted to studying my bank account in Quicken. I have my budget for the next two months in there and I find myself constantly looking at it and tweaking the budget for things I remember. It is almost concerning to me. I could spend hours looking at the budget just making sure that I have thought of everything(which of course I haven't). I find myself doing this when my budget is in order and there is light at the end of the tunnel. When I blow the budget and feel that there is no hope, I barely even look at the budget. But for some reason, when I have it all worked out and am comfortable with it, I spend alot of time making sure that everything is ok. Not sure why I do this. But if I do this, I tend to know where I stand more readily and am not willing to vary. I guess this works for me.
My son turns 16 next month. I called today to find out what that will do to our premiums. Once the initial shock wore off, I came up with some different options that doesn't make the increase too bad. My son is going to be paying the insurance, but he needs a number he can handle!
So...if I reduce the coverage on my vehicle which is paid off to liability only, but raise the rate of liability coverage(due to a young driver), there is only a $40 increase per month. This is probably the best option. However, I lose my roadside assistance and comprehensive. I haven't reduced the coverage simply because I was worried about something happening to the car. If the car was totaled and it was my fault, than I would need the money that the insurance would pay under full coverage to replace the vehicle. Make sense?
I just spent an hour on the phone with the insuance agency going over all the different options. I don't know if I absorbed it all. My head is swimming trying to figure it all out!
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