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Productive Weekend

May 9th, 2016 at 08:02 am

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 6th, 2016 at 06:36 pm

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 5th, 2016 at 05:10 pm

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 06:53 am

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 1st, 2016 at 07:10 pm

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.

Second income and Loan

April 27th, 2016 at 06:52 am

My mom helped me get this loan to pay off my debt. Part of the deal is that I don't get to quit my second job. I have to put 50% of my income from my second job in my 401k. I know it is a good thing but I don't know how much longer I continue to get up at 4 in the morning and work until 4 in the evening(with both jobs).

Today is work from home day...I don't have to leave the house all day! I have become such an introvert that that is the perfect day for me!

Checking In

April 26th, 2016 at 08:22 am

Hi everyone! I know it has been FOREVER since I posted. I will try to catch you up on the doings of my life.

I am still working 2 jobs, but silly me thought it would also be smart to take 3 college courses. I was handling it ok until my mom hurt her back. Then I became her and my sister's gopher. I ended up having to drop all of my classes.

Back to my mom...she had an injection of "concrete" in her back and the back pain is gone. She has residual pain down her leg and is having a steroid shot next week to help with that. In the meantime, she still can't drive and I am having to run all of her and my sister's errands(my sister moved in with my mom to be a companion/caretaker and that is not going so well).

As for finances...I made a huge mistake when I signed the kids up for my insurance. When I looked at the prices I thought is was per month, not per pay period. So I am paying $900 a month for health insurance! It is killing me. But this is the last month as my ex now is able to get insurance for the kids.

I am still drowning in credit card debt. But we are in the process of getting a home equity loan on my house(which is paid for) to pay off everything on my credit report. My debt will be virtually 0! We closed on the loan yesterday and have 3 days before we can disburse. All I will have is a couple medical bills and my regular monthly bills. I am so excited!

Oh and did I mention that I am now an empty nester...DD left for college in the fall. She is only an hour away and I see her most weekends but it is an adjustment.

So that is what has been going on in my world. Lots of stress. Lots of fun(not!)

I hope everyone is doing well...I have thought about you guys often.

Lower water bill!

September 22nd, 2015 at 08:20 am

It isn't as low as I had hoped, but it went from $110 to $45. I am very pleased! I used 8800 gallons the previous month and 1536 gallons this month. What a huge difference!

I am still rather unhappy at work. I am trying my best to just do what they ask me to do. I keep looking on indeed.com for job openings that would work for me but haven't found anything yet. Very frustrating when you realize that no one really cares if work here or not.

It has worked out for me to be able to pay DD's rent. My mom and other sister are helping some. I am good until the 16th of Oct. Then I am not sure what I will do. It always manages to work out though.

A Prisoner to Money

September 10th, 2015 at 05:51 pm

I am really unhappy at my job. I don't trust the people I work with. And was told there is no money coming my way for a while. Unfortunately, I don't think I can go anywhere. I don't think another place will let me come in at 9:00 so I can continue to work at my second job. And I need both incomes. Plus I don't think that I will find someplace paying me what I make now. I have my feelers out but hope is dim.

And in other news...my EXDH lost his job this week. I am no longer dependent on him for child support, but he is supposed to pay 1/3 of DD's rent at college and the kids health insurance was through his work. So I have until the 15th to come up with $220 to get the kids covered on an Obamacare plan...not a great plan but at least it is insurance. And I have to come up with 2/3 of the rent for DD on Oct 1.

AND...my sister who was paying the other 1/3 of DD's rent isn't going to be able to pay anything on Oct 1 either. She was finally approved for her disability and her insurance stopped her payments that she had been getting. Problem is that she won't get her first disability payment for 45-60 days. So her rent this month needs to be covered and I don't know how she will come up with rent on Oct 1.

So when it rains it pours. I don't know how I am going to come up with DD's rent. I know some of you will say she should help...she has a job but they have severely cut her hours. She is looking for something else right now but hasn't found anything yet.

I am sure everything will work out. I just wish I knew how.

Feeling Under Appreciated Today

August 4th, 2015 at 11:18 am

We had the new water line put in last week. I am excited to see how much my bill is going to be. I will be very disappointed if it doesn't go down much.

I am looking good financially until the end of August. DD had enough financial ad to cover her first 3 months of rent in the dorm. That is being split three ways. So it saved me about $600 total.

As to why i am feeling under appreciated...I was in a meeting with my boss, and the other leadership team members...a total of 4 other people. I am not on the leadership team, I am what they are calling "support Staff". Well, they had lunch called in for them while they were in the meeting and my big boss, said lets buy everyone lunch. Then my direct boss said "because we are rolling in so much money" and laughed. It just is insulting to me. Money is tight right now, but if you are going to buy for one, you should buy for all. I mean an additional 30 is not going to bankrupt us. It just really rubbed me the wrong way. IMO, we shouldn't be buying lunch for anyone right now. We used to be a team and it felt like a team. But lately it is feeling more like us and them, which I know is not what my big boss intended. I am the employee that had been here the longest and seen the most change so I know that is not what he wants. But I don't know how to bring it up to him without it getting back to my boss and having repercussions about it. I will probably just keep my mouth shut and do my work. But it is really bothering me. If I could find another job making the money I make, I would definately consider it right now.

Anyway, that is my rant for the day.

When it Rains(or leaks)...

July 24th, 2015 at 09:43 am

Well, I was coasting along, looking decent for the next couple of months. Then I get my water bill. $130. WOW. It has always been above $70 but that is crazy. So I called a plumber to come see where the obvious leak is. $235 later it is not good news. There is an addition on this house. And apparently when they put the slab down for the addition, they put it over the water line. And there was no cut off switch at the house. So the plumber was able to locate where the water comes into the house and install a cut off valve. He was then able to cut water off at the house and determine that the water leak is between the house and the meter. That was the easy part. Since the line is under the slab, it would involve digging up the concrete(It is an unfinished room) and then finding the line. The plumber suggested that instead of going through all that to just bypass the current line and put in a new one. He will still have to drill a hole in the concrete, but it won't have to be pulled up. But we are looking at 2k to have the work done. He said it could come in less but he wanted to give me worse case scenario. The only way I can pay for this to take out a loan. I hate to take out another loan especially as strapped as I am but I really have no other choice. But apparently my water bill should go down to around $30 a month. So I can take what I was paying in water and put it toward the loan.

Checking In

July 7th, 2015 at 12:33 pm

I know it has been a while. I am sorry. I have been so busy with life lately that I have rarely had time to even breathe.

I finally hit rock bottom financially. I went through a very serious shopping phase. Bought new chairs and a tv for the living room. The week after I bought them I found out that the child support would be ending in July. I thought it was supposed to go through college but it wasn't worded right in the divorce papers so it ended when she turned 18, which is today. But it actually ended before that because the state said he was ahead on his payments. So the last $600 I was expecting isn't coming.

So I had a real hard look at where I am spending my money. It is very upsetting. In the month of May, I spent over $500 eating out. Add the $300 that was spent at the grocery store and I spent over $800 on food! That is more than I make at my second job! I was horrified. Needless to say, that has ended.

I also have over 4k in medical expenses for DD. She was in severe pain in her abdomen. They thought it was appendicitis, but that didn't pan out. Then they tested for all kinds of things, including a colonoscopy. Nothing ever came from all the tests. She still has the pain every now and then. Ex DH is paying half of that monthly payment.

DD is also starting college in the fall. She is living on campus. And we are splitting her rent 3 ways. My portion is $200. Not sure where I am going to come up with it, I already work a second job and I don't think selling my blood would net that much. LOL.

But I think I am handling the stress well and I think I am actually happy. Ask me again in August after DD leaves and it might be a different story!

Best Laid Plans

February 25th, 2015 at 08:36 am

This is what I planned to do with my tax return:

Having the duct work cleaned in the house
Replacing the vanity in the downstairs bathroom(it is all warped and mold infested)
**Catching up car payment(not even a month behind, but past due date)
Pay Additional amount to Best Buy card(over half of the balance)
**Pay for DD Senior Pictures
**Give MOM $200

I have done the ones with the asterik. And I did pay extra to the Best Buy, just not as much as I wanted. I was set to do the vanity this week. Until I found out that we needed to pay for DD's dorm room registration fee. So there goes the vanity for now. I will get it done sometime in the future.

DD was accepted into KSU(Kennesaw State University) and has to live on campus for the first year. That is the reason for the dorm. But I don't know who is more excited, me or her! I will miss her terribly but am so proud of her for doing this.

Financially I am doing okay. We have had terrible weather here for the last week and a half. I missed a Saturday at my second job, which is the day I get the most hours) and will likely miss tomorrow morning as well due to snow and ice. Then I took this coming Saturday off for my niece's baby shower. So that check is going to quite slim. But that's okay. It isn't worth risking damage to myself or my car for that extra $$.

We are also in the middle of prom season. We have purchased the dress and had the first fitting last night. But thank goodness my sisters are covering those expenses!

Another One Bites the Dust!!

January 30th, 2015 at 08:03 am

Credit Card, that is. I paid of the Kohl's card today. I also got my tax refund today. I had already planned on paying the credit card off so that doesn't come out of the refund.

The refund is going to pay for:

Having the duct work cleaned in the house
Replacing the vanity in the downstairs bathroom(it is all warped and mold infested)
Catching up car payment(not even a month behind, but past due date)
Pay Additional amount to Best Buy card(over half of the balance)
Pay for DD Senior Pictures
Give MOM $200

That is about all of it. I didn't get near as much as I am used to getting back, but I will take it.

Have you ordered Glasses Online?

January 9th, 2015 at 12:16 pm

Has anyone ordered prescription eye glasses online? What site did you use? Were you happy with them? Any feedback would be great. DD needs new glasses.