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Still Lurking Around

January 25th, 2017 at 05:46 am

Hi Guys! Just thought I would pop in to give you an update. Things are going pretty good for me right now for the most part. My company was sold as of last Friday so I now work for a totally different company and my job duties will be changing. I will no longer be doing any of the accounting work. Not exactly sure what I will be doing, but I am sure they will find something for me to do. Kind of scary and nerve wrecking. But I am trying not to stress out.

But along with the sale came a big bonus check. I got 1/2 of it last week and the other half in 3 months. I used it to pay off most of my credit cards and the other half will pay off the rest of them. All I will have left is the LOC and a small personal loan. I also repaired the porch on my house which was in bad shape and am putting up a fence for my dog.

I don't know if I have been on here since I quit my second job or not, but I did. It got to be too much. So I am just down to the one now and it feels really good. I started back to school this semester and am really excited about it.

DD is doing well in college. She is sophomore now. She has been dating this fellow for over a year now. Very nice guy. I am happy for her.

DS is still doing his thing. He has started taking a very classes at a tech school while he works. He seems to be happy and I am glad.

Well, that seems to be all that is going on in my life. I miss you guys and think about you often.

Closed Some Credit Card Accounts and a Small Victory

October 3rd, 2016 at 10:45 am

I decided to close some of my credit card accounts that I don't use. It might affect my credit initially but I am hoping that in the long run, it will be better.

Small Victory...my television developed a spot on it. It is very annoying, but not big enough to disrupt the picture. I of course ordered a new television. But I started thinking about it and decided to cancel the new television. That was a very big deal for me. I don't cancel things very often once I have ordered them. So I am dealing with the spot, which comes and goes.

This Sunday is my last day at my second job. I can't wait. Financially things will work out, it just won't be as easy as it is now. But I need to not do this anymore. So I am excited.

Also got a $35 check in the mail. I had paid a copayment to dr but since I met my out of pocket maximum, the insurance paid 100%. I also called my therapist, who I have been paying $50 a visit, and found out that I have $150 credit with them! So that is a nice little surprise. I am going to apply this credit toward future visits. My insurance started over 10/1 so I have to start paying copayments and prescriptions again. Bummer.

Auto Insurance Blues & Homeowner insurance question

September 22nd, 2016 at 12:32 pm

My auto insurance renewed this month and it went up. I decided to look around and made a startling discovery. I am ineligible for insurance at most agencies. I was in shock. I couldn't figure out why. So I pulled a report that the insurance companies use to determine you insurance score. Apparently I am a below average risk. What makes me a below average risk you ask? Well I have opened too many accounts in the last 24 months. Industry research shows that people that use their credit are more likely to file claims. What else? I have retail store cards...and, you guessed it, industry research shows that people with retail store cards are more likely to file claims. So although I am not using my cards anymore they are still biting me in the butt. I guess I will have to stay where I am. It didn't go up much so that is good.

I got a quote from my current carrier for homeowners to combine everything. It is double what we are currently paying for homeowners insurance. He said that the only thing he could think of is that the policy we have now will only pay depreciated value and the policy he quoted me pays replacement value. Have any of you heard anything like this? I have never had homeowners insurance so I don't know if that is legit or not. And if it is legit, which is the better policy to have?

Updates and Financial Doings

August 22nd, 2016 at 06:27 pm

I closed on the loan to refinance the HELOC, taking my mom's name off of it. It is now solely my responsibility, which it was before, but she was a co-signer. Now her credit is freed up. I refinanced for enough to take care of the mold problem in the basement. I think it was starting to affect my health. So that is in process.

I put in my notice at my second job for the end of September. 6 weeks notice. Surely they can find a replacement in that amount of time. My first job is really picking up, they let the sales person who wasn't doing anything go, and now we are making sales like crazy! My boss doesn't have a day at home for almost 3 weeks! Good for business, bad for him. I am excited that I won't have to get up at 4:00 in the morning any more but I will miss the people I work with. I have done my budget and I will be okay financially. Just have to watch my spending, which is difficult for me. It is time to start on my November budget now.

Cooking More; Eating out Less

August 2nd, 2016 at 06:54 pm

So I have become kind of obsessed with cooking lately. I am cooking 1-2 meals on the weekend for my lunches at work during the week. Since I work from home on Wed and Fri, I only need 3 lunches. I can grab anything while I am at home. I have done really well doing this. I haven't eaten out in a couple of weeks. Really proud of myself.

Things at my 1st job are looking up. We have several jobs that we expect to close in the next few days. I just want us to get past this hump.

I am in the process of refinancing the HELOC on my house to take my mom's name off the loan. When we did the first HELOC and paid off all the credit cards, my credit score shot up over 100 points. So now there is a great chance, with the 2 jobs, that I can get it by myself. We started that process this morning.

I still have planned my budget going forward without my second income. I need to wait until the HELOC is refinanced and things are a bit more stable, but I have hope that that will be sooner rather than later. My body is starting to revolt!

Yesterday was a NSD. I stopped today and got a few things at the store and had to get gas on the way home(1.79/gallon...can you believe it???) Tomorrow is a work at home day and I plan on going no where so it will be a NSD as well.

Back at work

July 26th, 2016 at 09:55 am

I am back at my second job after my surgery complications. And so things are getting back to normal.

I have been cooking more at home. I found a great website that helps you plan your meals and then gives you the grocery list too. I spent all day Sunday baking. I have meals for all week now. And the majority of them are diabetic friendly.

I think we are about ready to start looking at getting the HELOC in just my name. My credit score has gone up drastically and I think I can qualify for it now. After I do, I think I am going to quit my second job. I just can't do it anymore. My first job is becoming more time consuming and I am beginning to struggle. Of course that is assuming I can make ends meet without it. I have to sit down tonight and really take a good look at my budget.

Stupid Stupid Mistake

July 3rd, 2016 at 05:57 pm

I have two checking accounts, one is so I can transfer money to my DD if I need to and the other is the account I use Daily. I paid some bills on Friday and used the wrong debit card! Fortunately I had a little bit of money in there, but not enough to cover everything. So I have one overdraft fee and I am still in the negative! I have cash to put in on Tuesday, I just hate that I made such a stupid mistake! I am going to try to get the bank the waive the fee because I don't think I have had one waived this year.

Dreary June Financials

July 3rd, 2016 at 07:31 am

Well...at least I paid my bills and didn't have to beg, borrow or steal to do so. But I didn't do as well as I would have liked. I am extremely disappointed with the amount of money I spend on food. Between eating out and groceries I spent an outrageous amount of money. I am working on eating out by taking my lunch to work. But pizza was my down fall last month. I ordered pizza like 6 times. Must make an effort not to do that. If I could just get the eating out number down, I would be happy. I did manage to put $40 into my savings account.

I haven't heard from plastic surgeon and suspect that I won't. I made it clear that if insurance didn't pay I couldn't do anything.

I fell up the stairs yesterday which really hurt. But the drainage has stopped and I wasn't in pain...

I finally admitted to myself yesterday that my company is in serious trouble and I might not have a job much longer. The owner was counting on a SBA loan to save us, but we found out we don't qualify for it. I don't know what is going to happen. My boss(who happens to the owners daughter) is leaving the company. I knew this was going to happen. They tried to grow too quickly. But my boss said that she knows something I don't and that I will be okay if my company folds. I think she means that I will have a job where she is going, which is a company that I have a long standing relationship with. I don't know what that will entail but I am scared that it will mean driving to Atlanta, about 2 hours away. We shall see what happens.

Another small victory and 2 more weeks off work

June 29th, 2016 at 07:46 am

I called to cancel one of my credit cards because even though there was a 0 balance, I was being charged an monthly maintenance fee. I told them why and they agreed to waive the charge for me. They also offered to give me a credit limit increase of $200. But I declined. That is the victory. In the past I would have been like "you want to give ME credit? Sure!" But not anymore.

I went to the dr on Monday and my incision isn't doing real well. It is still draining and looks infected. So I am on antibiotics and have to take another 2 weeks off of my second job. I am working my first job from home. Total massacre to my budget. I make it through July, but August is screwed. I am sure everything will be okay...just hate waiting to see how.

Weird Day Yesterday

June 23rd, 2016 at 07:56 am

Yesterday was a weird day for me. I woke up feeling like I had the flu. Then my lower back started hurting and sending pains down my leg. I thought it might be a kidney infection so I went to the walk in clinic. While I was there I discovered that my incision is leaking. Not a good day at all. I was out of it most of the day. Not able to think straight. It was 5 before I thought to go to the walk in clinic. And the only reason I ate dinner was to take my antibiotic. I am still struggling a little today. But I called the dr and found out it is normal for the incision to leak clear/pinkish fluid. Wish they would have prepared me for that.

I have spent very little money the last couple of days. I bought a burrito to take my medicine yesterday and that was it. I don't have any bills to pay until the 30th.

Resisted The Urge

June 19th, 2016 at 04:16 pm

Okay...I know this sounds simple but shopping is a sort of addiction for me. I have the urge every so often to purchase things...things I don't need...like a bedroom set and a dining room set. I don't need these things but they sure would be sweet. I spent the afternoon looking at these things online and even picked out a few items that I liked. Rooms to go has a sweet no interest deal for 5 years. But then I remembered that I don't want another inquiry on my credit report and there is no guarantee that I would be approved. i do have the credit card with a local company buy they don't have that good of a deal. And I don't want another payment. I have done real good using my credit card and paying it off within a week, just using it to carry me over. So in the end, I closed the internet and didn't do anything. I know this seems like something that should be so easy, but for me it isn't that simple. That is how I got into this mess to begin with, causing me to get a second job. I want to quit my second job soon...and I can't do that if I add more debt. So common sense won!

Oh...I met with the plastic surgeon and I am more confused than anything. He said that he didn't think that he could get enough tissue out of my breasts for the insurance to be willing to pay for it. But if I did a lift, it would make me smaller. But if they don't take anything out, how would I be smaller? I just don't understand. I am a size GG and he doesn't think they can get enough out??? He is sending the appeal to the insurance but doesn't expect it to be approved. So I probably won't be able to do anything since I can't pay for it out of pocket.

Have to change my way of thinking

June 17th, 2016 at 01:56 pm

Used to be when I got an offer for a credit card I immediately accepted it...like "someone wants to give me credit??" And it was usually when I was most desperate. But I don't need credit cards anymore. So when I got an actual credit card in the mail from PayPal Mastercard I had to make a conscience effort to not immediately activate that sucker. I even looked very closely to find the credit limit they were offering me. Couldn't find it. But it doesn't matter. I don't need it. So I cut it up. Even though my credit score has gone up, it still has too many inquiries on it. So I don't want to put another one there either, which would happen if I activated that card. Baby Steps.

Out of Pocket Maximum means...

June 13th, 2016 at 05:10 pm

I no longer have to pay for prescriptions or dr copays. That is at least $80 a month savings on prescriptions alone.

I have an appointment on Friday with a cosmetic surgeon to see about breast reduction surgery. I am not confident it will happen but it is worth checking into.

I go back to the surgeon tomorrow for my followup appointment. Hopefully (or maybe not) he will release me to go back to my second job on Wednesday. I really need to go back but I am scared that it will just be too much. I am going to give it a shot anyway.

Need to work on August budget, but can't get motivated. I have to stop at my mom's tomorrow to pay her bills. She says she doesn't know that she will be able to take that back anytime soon. It isn't that hard because she has no bills, just household expenses. Just kind of taxing keeping up with her expenses and my expenses. I just have to make sure that everything that needs to be paid is in each account.

Going to pack my lunch and head to bed. I am exceptionally tired tonight.


Surgery Costs and Credit Score

June 11th, 2016 at 03:55 pm

I checked out my insurance website today and found that my surgery is going to cost me about $2700 not including the dr portion. This satisfies my deductible and also kicks me over the Out Of Pocket Maximum. I am not quite clear on what that means exactly, whether office visits and prescriptions are now 100% covered or not. I which I had checked into medically necessary breast reduction surgery sooner. I am quite large and I am only 4'7". I am not having pain right now but am sure that as I get older it will start affecting my back. I doubt that they will approve it based on only the recommendation of a doctor.

I am recovering nicely still. I am supposed to go back to work at my second job on Wednesday. I don't know how that is going to go. I still can't lift anything over 5#. DD came up today and we went to the grocery store and she is doing things around the house tomorrow that I can't do.

I am keeping an eye on my credit score at credit karma. It hos gone up 79 points since I got the HELOC and paid off all the credit cards. I have used a couple of them occasionally but pay them off within a week of using them. Things are going according to plan to get the loan in only my name at the end of the summer.

Surgery Update

June 4th, 2016 at 10:40 am

Surgery went very well. I came home with no complications. Until last night. I had an allergic reaction to (they think) the pain killers they gave me. So I had to spend the evening in the ER getting that taken care of. And since I am allergic benadryl, they had to give me a cocktail of antihistimines before the itching stopped. I was miserable for about 8 hours! But I am good now. I am taking ibuprofen for pain and that is seeming to manage it. DD came up for the day to run errands and do stuff around the house. Just waiting for her to get back. For the most part I can take care of myself, just can't lift anything over 5 pounds. You don't realize how many things weigh 5 pounds until you start paying attention.

DD Rent answers - she has 3 roomates and all untilites are included. And she is in another town, it is about 1.5 hours one way.

Surgery Tomorrow & DD Rent

May 31st, 2016 at 10:33 am

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 12:23 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 13th, 2016 at 07:20 pm

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 10th, 2016 at 05:28 pm

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 03:09 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 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.

Minor Update

November 19th, 2014 at 07:11 am

Tomorrow I get paid from my second job. Of course I already have it figured out where every dollar is going. I have $50 of going to emergency fund. I am excited to see this account growing. Then I am making a a few credit card payments(minimums on these as I pay additional on one until it is paid) and a car payment.Plus we are going to the grocery store. Sounds like alot but I also got a child support payment today.

I have my budget set through January and I will have 4 credit cards paid off by the end of January. I am excited and can't wait but I also don't want time to go too fast as this is my daughters senior year and she will probably be moving out at the end of the school year. Frown

Disappointed with Mint

November 10th, 2014 at 06:49 am

I decided to give Mint.com a try to work up a budget, since I am not really able to come up with the reports I want in Quicken. I have to say I was mildly disappointed. You can only enter credit cards that they have available. There is no option to manually enter them. So using this would not give me the big picture budget that I am looking for. Dave Ramsey's sight has one, but it is 9.99 a month. I just can't see paying that. Any one have any other sites they use?

FIrst Paycheck from Second Job

November 5th, 2014 at 09:06 am

I get my first paycheck from my second job tomorrow. They have it set up so I can go in the Sunday before and see how much the check is going to be for. This check is $140 more than I thought it was going to be for. I over-estimated the taxes to be with held. So I am transferring $50 to my savings account that has only $4 in it and starting my emergency fund. I also set it up to have $50 deposited each week in that savings account. I am excited about this. I will finally have enough money each month to start this fund and still be able to function.


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