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Archive for January, 2009

Spending for the last 2 days

January 30th, 2009 at 05:54 pm

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!

Yesterday was an Expensive Day

January 29th, 2009 at 06:05 am

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!

At Home Today

January 28th, 2009 at 04:55 am

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!

Are you Kidding Me?

January 27th, 2009 at 11:16 am

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!!!

My husband thinks I am loaded!

January 26th, 2009 at 04:05 pm

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.

Tough Decision to make

January 26th, 2009 at 01:38 pm

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?

Ebay Update

January 26th, 2009 at 11:39 am

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!

A feel good decision...

January 23rd, 2009 at 05:58 pm

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.

Subway $22

Biopsy Results = more questions

January 22nd, 2009 at 12:28 pm

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!

Busy Day...

January 22nd, 2009 at 10:49 am

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!



Ebay/Craigs List Update

January 21st, 2009 at 10:24 am

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!

Now We Wait...

January 20th, 2009 at 05:30 pm

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.

Contacts on the Horizon

January 19th, 2009 at 11:35 am

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.

Ebay and Half.com

January 18th, 2009 at 08:45 am

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!