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Archive for December, 2009

Got Propane Delivered

December 29th, 2009 at 04:46 pm

And it was almost 50% higher than it was last month!!! UGGG! But my parents fronted me the money for it. NOw I am not in danger of running out anytime soon.

Things are looking good for me right now, thanks to my parents.They are going to help me with my first of the month expenses so that I can make it. I am only about $175 short so that is good. Going to be short for the end of January, but I am only looking one pay period ahead at this point.

I am going to file for divorce tomorrow. Things have not changed and I am done living in limbo. The fear that his creditors will come after me will be gone. That is a huge fear for me right now.

After my payment to capital one on Thursday, I will only have one more payment to them! YEA!! I have been paying $109 since February. I can then take that money and put it toward another credit card. At least that is the plan. I might need it to live on though. The freezer is stocked, so I don't need to worry about any groceries.

I see the light...again. THings are looking up. I am excited about the future.

My parents are amazing...

December 23rd, 2009 at 07:17 am

I typed out all my expenses yesterday and sent it to my mom, just to let her know that I am trying. She sent back that they know I am trying and they are proud of me. Proud? I got myself into a situation where I need massive help each month. How can they be proud of that. I know...they are proud that I am working on correcting problems I made in the past. I just don't feel too proud of myself.I let her know my shortfall for the month of January and she said they could cover it to be paid back whenever I can. They are truly amazing. I know they don't have millions in the bank, but they are giving to their children. Even sacrificing themselves. I am just feeling kind of sad today because I have to take money from them.

Christmas Shopping

December 20th, 2009 at 01:59 pm

I have just about finished my Christmas shopping this year. That is a first. I am usually that last minute person because I am waiting on money. But this year, the way my paydays fall, I was able to get most of it done. The only thing I have left is to get some cash for my son to wrap in boxes and a gamestop gift card. Then I will be done. Everything I have so far is wrapped and under the tree. WOW...so this is what that feels like!

I had a budget of $200/child. I spent $181 on DD and will give DS the cash equivalent. I did get him a couple of things, but will give the cash up to the same value. And I feel they will both have a good Christmas. This is the least I have spent in years!!! Budget still looks okay and intact. WIll have to do some tweaking though.

I have a spending problem...

December 17th, 2009 at 09:41 am

I went to the grocery store last week...bought $220 worth of groceries for $108. The freezer if full of roasts, chicken, pork chops. That is not the problem. I have had the opportunity to make dinner. Time is not the problem. The problem is that instead of waiting until we get home and cooking, I have been constantly eating out!!! I know I need to stop. But it is so much easier to pull through a drive through. I know it isn't healthy(either for us or for the budget) but I am weak and it is something I need to overcome. Any suggestions...that really work??? If I were to leave my debit card and check book at home, what options would I have for something that I need to get. If I plan ahead, than I will know I need them, but my concern is for the something I either forgot we needed or didn't know we needed. I would imagine that a few times of forgetting, having to drive home, and then go back out again(we are 10 miles from town) would be enough to make me plan ahead. That might be the way to go. I will have to consider that.

Ideas?? Suggestions???

Excited about January

December 16th, 2009 at 08:20 am

I know I have been gone a while, but I wanted to give an update. I have so much going on! It is crazy this time of the year.

I am excited about January. If I stick to the budget I have, it will be the last month that I have to have my parents help financially. I hope it works out and there aren't too many surprises.

DH and I are still seperated. I actually served him with divorce papers and went and had them signed. But then he begged me not to file them yet...to not give up on what we have. And since then he has been a different person...until last night. He couldn't get ahold of me while my daughter was looking for me. It was no big deal, but he almost reverted back to his old self. That is why I haven't asked him to move back in.

I think I have Christmas covered. I just hope that I can get the phone my daughter wants in time. Keep your fingers crossed.

I am definately in an "up" mood today. The gym where my daughter goes to cheerleading sent out an email today about one of the families that is in need. They aren't going to have a Christmas. The gym was asking for donations so they could have a Christmas. I immediately started working on my budget and am able to contribute $79 for the competition fees that are due at the end of the month. The girls said it was okay that they wouldn't have Christemas as long as they got to cheer. I feel really good about being able to do that. I am going to talk to my DD to see about contributing half out of her allowance.

COuponing is still going good. I bought $220 of groceries for $108. That was great! I have my list for this week and it is nice to be able to choose the stuff I need because we are pretty well stocked up on other stuff.

Coupon Savings

December 10th, 2009 at 09:22 am

I went to Food Lion and Ingles last night. I got $200 worth of food for $100! I feel great about this trip. Got stuff we actually eat! I have to go back Friday for the 3 day sale at Food Lion. They have Bacon for .99!!!

My budget is looking good until January. I have it planned...and we allknow what happens to plans! Anyway, I hope to stick close to it. We shall see.

All my utilities were paid on time this month! YEA!! That is a big relief. No if I can stay on top of this and get some money saved I would feel even better!

Short Update

December 7th, 2009 at 10:43 am

Well, financially things are looking okay until the end of December, including Christmas presents. Lets just hope it works out that way!

I got the divorce papers signed but DH begged me not to file them yet. He isn't ready to throw everything away. It may have been a wake up call for him because he is totally different now. I was telling him divorce but until he saw the papers, I don't think it hit him. I still don't want him to move back in for a while. I am enjoying being by myself. And it hasn't been long enough to know if he has changed for good or not.

Yesterday was my birthday. My sweet daughter cleaned their bathroom. I had it on my list of things to do(Longterm) and I was going to do it yesterday. She wouldn't let me. She did it. Even to my sort of clean, using a butter knife where the cabinets meet the floor and stuff. It looks great! She is so good to me!

DS had his wisdom teeth taken out Friday. He is still in pain. But itwas very entertaining getting him home while the laughing gas was still in his system!

Still better than last year...

December 4th, 2009 at 03:31 pm

I haven't been in a blogging mood lately, but I am still around. With the help of my DH, I overdrew my account last week. There was $250 in NSF fees plus the $100 he had spent. I got the bank to refund all but one of the fees and disabled his access to the account. But I had to take a cash advance on the CC that I had made so much progress on just to get back in the positive! Very frustrating, but I am glad that I had a way to solve the situation. It is not the best idea, but at least it eased some of my stress.

All household bills are on time now. My parents are helping me keep it that way. Hopefully, I won't need their help after the first of the year.

I screwed myself on taxes this year. I worked so much OT that I kicked myself into the next tax bracket and will only get a minimal amount of the EIC. Bummer. I was looking forward to a huge refund, but will barely get one at all. At least I don't have to pay!

DH signed the papers yesterday but then he begged me not to file for a while. He is really heartbroken and doesn't want to throw everything away. I don't like being in that position. Counseling didn't work. But maybe the fact that he actually saw the papers may wake him up. Who knows.

I haven't been doing my coupons, but I haven't been shopping at all either. So I need to do some shopping tomorrow.