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Archive for May, 2016

Surgery Tomorrow & DD Rent

May 31st, 2016 at 05:33 pm

My hernia surgery is scheduled for tomorrow. I have done my best to prepare for it. I have all my laundry done. I am going to sweep and change the litter box tonight. I have all of my bills set up for payment already and all of my income is on direct deposit anyway. So I should be set. Even if it doesn't go smoothly(which it will), everything is paid through June 15.

Ex DH informed me last night that he will no longer be able to contribute to DD's rent while she is in college. He lost his high paying job back in October and has had a series of low paying jobs since then. So I get it. He isn't making the money he was when he agreed to pay toward the rent. But that leaves me having to come up with the difference. I can do it, it will just put a kink in my plans.

The Cheap Comes Out Expensive

May 24th, 2016 at 07:23 pm

About a month ago, my daughters brakes starting messing up. So we went to the Ford Dealership Quicklane (even though she drives a Kia) because they had the best price. But ever since she had them done, they have been squeaking and even went out once. She has gone back o the dealership 2 times and they have assured her there is nothing wrong. Yesterday she took the car to the Kia Dealership and had them look at it. The brake pads the Ford Dealership used are crap. Apparently you have to use Kia brand brake pads or they don't work right. No one mentioned that to us. But not only were the pads crap, they didn't turn the rotors, which needed to be done, by this point on the front and back. Needless say we spent a small fortune getting the brakes back up to par. She called the Ford Dealership and they told her to bring the pads back in so they could show their dealer and they offered her 2 free oil changes. I don't think we will be going back there again though.

Need Advise

May 14th, 2016 at 02:20 am

I need some advise. I took this week off of my second job. I realized how burnt out I really am. I am afraid that I don't think I can continue to do this and take care of my mom and sister. With this in mind, I worked out my budget through mid Aug without this income. By reducing the amount I pay on the LOC(still paying over the minimum but not as much as I do now) it is very tight but doable, if I get my ex dh to commit to paying toward DD rent each month(he hasn't missed a month yet so I don't think it will be a problem). There is also a possible scenario that goes like this...I am paying $250 a month on medical bills for DD. The balance is just over 2k. I could take out the money from the LOC and pay that off and have that additional money each month. The thing that I am worried about is that if I find I can't live without this income, I won't get such a sweet position that works so well with my first job again. So if I make this decision, it will be a final decision.

It is times like this that I miss my dad. He would know what to do. And he would support me no matter what.

And the Motivation Finally Ended

May 11th, 2016 at 12:28 am

yep...tonight I wasn't motivated to do anything. I fell asleep in the chair and couldn't wake myself up. I managed to do the stuff that was on my list, 2/3 things. Still have to do the dishes. But it is 8:30 so that isn't looking good.

Tomorrow is Wednesday which is typically a work at home day, but I have to go to the office because I didn't get some things finished and I am off work Thursday and Friday. It is worth it to be off the rest of the week.

Nothing really new on the budget front. I am going to have money left in my eating out fund for this two weeks. YAY! That will help when I am off work for the surgery.

6:00 in the morning!

May 10th, 2016 at 10:09 am

Well...in a panic at 5:00 I realized that I had failed to book an airfare for my boss yesterday. So I jumped out of bed and booked the ticket. WHEW...there were still decent seats left.

I was just going over my finances and it is very weird to me to not have to set up a credit card payment or 4...I only have the one payment now per month(except I make 2 payments). I keep feeling like I am forgetting something. I imagine that feeling will go away eventually.

I ordered a book this morning on decluttering and organizing. Thanks Snafu! It should be here on Thursday. I have some many books that I need to read it isn't even funny. Most of them are for work.

I think I am going to go back to bed for about an hour...I hope everyone has a good day!

Productive Weekend

May 9th, 2016 at 03:02 pm

I had a great Mother's Day Weekend. I got so much done around the house! Even had some valuable alone time. Did some grocery shopping on Saturday. Yesterday was a NSD. I didn't even leave the house. We put together my closet organizer so I was finally able to get all of my clothes put up. My room looks so much better now. But I still have the treadmill area to clean up. I found that if I break things down into smaller tasks, and do a little at a time, I get more done. I will do a little then watch a little tv. It works for me.

Got the money my ex DH sent over the weekend for DD's rent. (he pays 1/3 and sister pays 2/3). I am looking good through the month of May. Then I have my surgery. It will all work out. I have faith.

401K Confusion

May 7th, 2016 at 01:36 am

I set up to contribute 35% to my 401k at my second job. My first check since doing so hit yesterday. The company is supposed to match my contribution up to 6% of my yearly salary. But they matched my contribution 100%. Do they contribute 100% until they reach 6% of my yearly salary? I have never worked for a company that matches contributions.

Had a lovely day off work. Did nothing but the dishes. Still have a couple of things on my list to do tonight, but it is 9:30 so I don't know that they will get done. Oh well.

My sister seems to know when to call me to ask me to go to the store or something for her. I purposely didn't tell her I had the day off because she takes that as her opportunity to fill my day with her errands. But she still called me today to pick up a prescription for her that she "urgently" needed. She knows that Thur and Fri nights are not good for me(she didn't know I was off). But she doesn't seem to care about anyone else when it comes to doing things for her. Everytime DD comes to town, she thinks DD is there to do her grocery shopping. It is getting old, but I don't know how to stop it. She is so generous paying toward DD's rent that I feel like we owe her. But when is that debt paid? It feels like we are constantly doing her errands. She hasn't been out of the house in weeks. She doesn't drive so she relies on me, but thinks nothing of asking me to stop by Walmart on my way home and get her a sandwich or something. She lives 7-8 miles past my house. So it isn't on the way home.

Sorry to vent. I am just completely frustrated.

Kink in the Budget

May 6th, 2016 at 12:10 am

I found out today that I have to have surgery on June 1 to repair a Hernia. It will outpatient but I will miss about 2 weeks at my second job. Just when things were going good. I will have to redo my budget for June and probably July won't look too pretty either. I won't be able to lift anything above 5 pounds for 6 weeks. The bag I put my laptop in weighs more than that when the laptop is in it! Will have to figure something out about that.

I had to turn the heat back on today. It was 63 degrees in the house! I don't know what is going on. I saw pictures online of snow (SNOW!) at the Tenn/NC border near the smokey mountains! What is happening????

Officially Paid Off

May 4th, 2016 at 01:53 pm

All of the payments have hit my checking account so everything is officially paid off now. Just waiting on the titles to my car and my son's car so he can get his out of my name.

I talked to my banker about the credit card thing because we are planning to refinance the LOC in 3-6 months in only my name, so my credit score is important. He suggested that I wait and see what happens with just paying everything off. Then when we apply for the refinance, we will see what happens.

My first check with the deduction for the 401k is tomorrow. I started with 35% and will build up to 50%. It is still a good chunk. Feels good.

One more morning and then I am off work(at my second job) for 9 days! I haven't had more than 2 days off in a row since I started a year and a half ago. I need a break. I sprinkled in some time off at my other job too so I have a few days of nothing to do! I hope to get things done around the house that I have been putting off since my mom got hurt. My paycheck will suck but I need this time off for my sanity.

Loan Disbursement & Debit Card Stolen

May 2nd, 2016 at 02:10 am

We were able to disburse the loan on Friday...so all of my credit cards and loans are paid off. It is such a relief. My son's car is included in what was paid off so he can get it in his name and get his own insurance now.(It would have been paid off in June anyway). My car is paid off but I am going to keep full coverage since it is a newer car.

I need some advice though from those of you familiar with how credit works. I would like to close all but a couple of my credit cards but I have heard that could negatively impact my credit. Is that true? I would like to close them so that I am not tempted to use them.

I have a paypal debit card linked to my checking account. I get an email every time that debit card is used. I got two emails today that it was used at TJ Maxx and Marshalls. A total of $270. We don't even have those stores around here. So I instantly canceled the card and called them to dispute the charges. As soon as the charges actually post(they are pending right now) they will credit my account for that amount. I am glad I get that email and was able to catch it early. Funny thing is that I have the debit card...someone stole the number apparently.