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Home > Archive: May, 2009

Archive for May, 2009

At home Bored

May 29th, 2009 at 05:30 pm

Dropped daughter off today to go to Panama. She saved her money for spending and ended up with $61!! Go girl! I took $40 out to give to her "hosts" but of course she wouldn't take it. In the end, she took $20 and said that dd doesn't eat much. LOL. They are good people and I am glad my daughter is friends with them!

But that means that I can put $20 back into the account. That is good because I only had $20 to last until next Friday. My parents(dad) loaned me the money that I will be short on Monday. Will pay them back on Friday. Thanks Dad for getting me through the hump!

DH is still at work and might not come home again tonight which means that I will be here alone. Tempted to start the budget for July...but don't think that I could focus on it like I should.

Nothing New to Report

May 29th, 2009 at 08:24 am

DH stayed close to work last night so I didn't get a chance to talk to him, but we won't have any kids this weekend so it will be the perfect opportunity.

My daughter is going to Panama City in the AM with a friend. The good news is that she has saved enough money for spending money that I don't have to give her any! YEA!!!

Son put most of his check into the bank this week. He is off to a good start saving money. He has grand plans and the sooner he realized how hard it is to make things happen, the better.

Asked my parents to help me with my shortfall next week. I haven't heard back from them. It is only a short term loan and I would get it back to them on Friday. Lately when I have had to borrow money(which I hate), I have paid them back when I said I would, and that feels really good because for a long time, I wouldn't pay them back and they never asked for it.

Well off to work..hoping to get some OT in this weekend to help with this month!


May 28th, 2009 at 06:59 am

I have said before that my husband thinks I have money somewhere. Well, this morning, he is breaking into his money jar to get money for gas. He then comes back to the bedroom and says

DH: "unlike you,, when I say I am broke, I am broke. I don't have a card that I can still use to buy things."

Me: "if I don't have money in the bank to cover the card, than I can't use it"/

DH: "You and (son) have been using the card like crazy this week".

URGGHHHH!!! Yes, son used the card twice, but each time, I transferred the money from his checking account to mine. He was waiting for his own debit card to arrive. And yes, I may have bought a few things last night at the GROCERY STORE, but come the first, I will be even shorter!(no pun intended since I am only 4'7" tall! LOL). I hate having to find money for my own spending, much less for someone elses!

It just irks me that he expects me to give him money! He works...granted last weeks check was a day short, but he still made money and to be completely broke by Wednesday? I think he needs better money management skills...I am not just going to hand money over to him! Plus his brother(read leech) rides with him to work everyday and I doubt that leech is giving him any money! So why should I?

Please understand...if he wasn't working and being a house husband, I have no trouble supporting him. But when he is working and can't manage his money, I feel like I would be doing him no favors by handing over money to him(if I even had it!)

URGGGG....so I am frustrated this morning. I sent DH a text telling him that son used card and I transferred money and since he has started working, I haven't given him any money. Haven't heard back for DH yet. Don't expect that I will. He is supposed to camp close to work this evening, so he won't be home. I plan on taking daughter to a movie...sure that will go over well with him! I told daughter last weekend that I would take her tonight. Oh well.

ADDITION: Last night I made him dinner...nothing great, just some hamburger helper. I knew he probably hadn't eaten all day. But I didn't eat. I don't eat hamburger and I really wasn't hungry. He kept asking me what I ate today. I didn't eat out yesterday. But he kept asking me, like I was lying to him! I ate a frozen meal that I have in the freezer at work and a bagel that I have in the fridge at work! But he was so sure that I had spent money, but yet I won't give him any! Double URGGGGG!!!!

Getting Anxious!

May 27th, 2009 at 10:23 am

It looks like I am going to be short come the 10th of the month...think I have already blogged about that. But I have it down to only about $100 short. That is good. Just wish it would hurry and work itself out! That also means that I have to transfer the money from the savings...again! I hate having to do that! Will I ever be able to just leave it again??? It is just frustrating!

Oh...almost forgot. When I got my sears bill, there was a late charge of $29 on it. I called them because I knew my payment cleared my bank well before my due date. Turns out that I was $1.27 short of the minimum payment, so I was charged the late fee. However, I asked her to waive it for me and she did!! Yea!! A little bit of good news!

Back to Work!

May 26th, 2009 at 09:46 am

Well, the long weekend was nice. I got alot done yesterday. The Dr put me back on Ambien and I can tell a difference in my energy level during the day! But I hate the fact that I am impossible to wake up while I am on it!

I am looking at my budget and am not quite sure how I am going to make it through the middle of June. I am about $400 short for the June 10th payment. This doesn't include what I have in savings, but I hate to have to transfer it! DH isn't working today and was off yesterday so I don't know what kind of help he is going to be. I am going to have to move some stuff around. But I am sure it will all work out!

I was thinking this morning about how my life used to be...when my power was cut off even though I had made a payment that day. When the home phone was shut off regularly. Yes that was a long time ago(about 10 years), but I am glad I am no longer like that! Even though it wasn't that bad before I started this journey, it was still pretty bad. I was thinking how I never worried about the phone or power when I was growing up because my parents took care of things...they were older and more financially responsible. Nothing was EVER cut off while growing up. I am closer to achieving that now. I don't think that my kids worry about the phoone being turned off or the power. And they shouldn't. Just make me think about how life used to be and why I let it be that way!

Long Weekend Update

May 25th, 2009 at 11:23 am

My daughter had her violin recital yesterday...WAYYYYYY too long! 2 1/2 hours of sitting in the same spot!(except for when I got up to accompany her on the piano!) But that pretty much killed the day yesterday. Today I am trying to get the laundry caught up. I had to buy a fruit tray and a vegetable tray for the reception.

Holding my breath until the first of the month. Might have to pay the credit cards a few days late, which I hate because I am charged fees, but I don't have the money until the 4th and most of the cards are due on the 1st! UGHHH!!! But we shall see. Will do some more planning this week.

Another Transfer to Savings

May 22nd, 2009 at 05:24 pm

My prescriptions came in $20 under budget, so I transferred that money to a medical savings account. Slowly but surely getting the savings built back up.

Pay Day!

May 22nd, 2009 at 10:27 am

Today is payday. I paid the mortgage, cable, some medical bills, and my mom for a loan made earlier in the week. I also paid for my monthly prescriptions and for my daughters cheer camp. I had $23 left in my fuel budget from the last two weeks so I transferred that to my car maintenance fund. I also had the automatic deposit into the savings account. Hopefully I won't have to touch these...It depends on whether or not DH gives me enough money in the next couple of weeks. I never know what he will give me until he gives it to me. I plan myy budget as if he doesn't give me anything...that way when he does, I am in the clear!

Yesterday was a cheap day!

May 21st, 2009 at 07:06 am

I spent a total of $1.92 yesterday for a coke. I waited until we got home for dinner, even though we ate pretty late. But we didn't spend any money! YEA!!

Found out last night that my DH thinks I am rich. My son, DH, and I were talking about not having any money. We all said that it sucked and he looked at me like you aren't broke. I said what and he just said "uh huh". Oh well. Just because I am able to plan for things now, I am considered to have money. I just hope he still gives me some money to keep my budget on track.

Poor Planning Foils the NSD

May 19th, 2009 at 05:56 pm

I failed to put dinner in the crock pot today and Violin practice went extremely late! The result? Zaxby's for dinner. UGHH!! I have to get on the ball planning better!

But my daughter learned her lesson! She didn't want to eat out because it was too expensive!(after paying for dinner last night!)

Yesterday was a NSD!

May 19th, 2009 at 08:50 am

My daughter wanted to stop for Dinner after her LONG violin practice(3 1/2 hours getting ready for recital!). I told her I didn't have the money so we would have to wait until we got home! She volunteered to pay. I probably shouldn't have let her, but I thought it might be a learning lesson for her. Now she doesn't have as much money to take on vacation with her. Hopefully she will learn that spending now just because you have it isn't always the smart thing!

My son's checking account is up and running. I am very excited about being able to teach him this! I think he will do well.

Things are looking up...again

May 18th, 2009 at 09:32 am

Well, things are looking up again financially. I have looked through the middle of June and everything seems fine. If goes as planned, will even have some money in savings again. I can't wait! I even filled my car up again yesterday!

Went to the grocery store yesterday and CVS. CVS has pepsi products 5 for $13. It rang up wrong and they tried to charge me $27 for 5 twelve packs!! WOW! What a difference a sale makes! Also got some vitamins, bogo free. Did very well at the grocery store. Only spent $76. Didn't get anything we didn't need. Very proud of myself for turning things around again. It just proves that you can always change things, it may just take some time. I could have given up and not tried again. Gone back to living how I was. I didn't want to do that! I liked having money in the savings account, not having to worry if a check was going to bounce because I only showed $15 in the account(and might have forgotten something!) I look forward to getting back to that.

Sad Day...

May 16th, 2009 at 08:29 pm

My dad worked with this woman for many years who has no family...never married, no siblings, etc. When she started to suffer from dimentia and other ailments, my parents took the responsibilty of caring for her well being. She was in an assisted living home. She passed away this week. We went today to move her furniture. I wasn't close to her, it just felt very wierd to be dividing up her stuff. And I feel kind of guilty because I was kind of relieved that my parents life will be much simpler now...they were fixing to have to move her to a new home and it wouldn't have been easy with the dimentia.

DH gave me some unexpected money this week so I am in good shape. I have the budget planned for the next month and all looks well. I am very encouraged. Plus my son got his first paycheck this week. We will go open him a checking account on Monday. I am excited about teaching him how to do a budget. No one ever taught me this and I am just now learning it!

Not much to report...

May 14th, 2009 at 07:47 am

Things are looking good still for the short term. Will probably be getting less $$ from DH because of the work situation, but I think it will be okay.

My daughter made the middle school cheerleading team! She is pumped.

Collection Agencys!!!

May 12th, 2009 at 08:59 am

I just received a call from a collection agency for the amount that was applied toward my deductible...162.33. When I had this done at the hospital, the hospital didn't forward the correct address to the radiology office. So I never received the bill. Ireceived a call in April about it. I told the agency that I hadn't received the bill. They refused to send me a copy of the bill, stating that I had my explanation of benefits. They wouldn't even tell me how to contact the radiology office. So I tracked them down,, corrected the address and requested a copy of the bill. I tried to set up payment arrangements with them and they refused! They said that the least they could take was $100! I don't have that! So I called the radiology office and they said that there is nothing they can do! I plan on making payment of $20 a month and if they accept them, great, if not, than oh well. I tried. And they had better not put it on my credit report! I am working really hard to get that cleaned up! UGGGHHHH!!! I know collection agency's deal with deadbeats, but I try not to be one of them! And they can look at it and see the circumstances. It just drives me crazy!


May 12th, 2009 at 08:36 am

I checked this morning and nothing went through yet! I am so lucky! The child support will post today so I am out of the woods!

I stopped today and got a bag of ice tokeep at work. But I brought frozen meals to keep in the freezer and a 12 pack of coke.(CVS has them for $2.60/12 pack). So I am in good shape today.

On Pins and Needles

May 11th, 2009 at 12:42 pm

I screwed up my online bill pay. I scheduled a large payment for last friday instead of tomorrow. So I am on pins and needles until tomorrow to see if i have any NSF. I hope not...I really can't afford it. I hope that everything turns out okay.

I am working from home today...got alot done...for work and for home. Been very productive.

Payday yesterday

May 9th, 2009 at 01:43 pm

I got paid yesterday! YEA! I filled up the gas tank...yes filled it up. Haven't done that in a while! Felt good.

I paid the cell phone bill, the homeowners insurance, and a loan payment. The Sallie Mae payment will come out of my account on Monday.

I am one step closer to getting everything caught up. I can't wait to get back to where I was. I have about $120 in savings right now...but I might have to use it before I get paid again to be able to stick to my budget. But eventually, I will be able to just let it sit there! Can't wait!

DH got the escape to start the other day. That is the car that my son flipped. He is trying to get it working so he can drive it. He spent $70 in gas yesterday!!! That is crazy! He is working a little bit away and he had to drive to different job sites. But hopefully he can get the other car working.

My son is going to prom tonight. Dropped him of a little while ago. Wierd arrangement...he isn't dating the girl and they are each paying their own way! Seems wierd to me but that is fine, since my son doesn't get his first check until next week!

Follow Up Visit Today

May 7th, 2009 at 09:00 am

I have been sprung! It has been two weeks so I am able to drive. Of course if my car had been in the driveway, I probably wouldn't have been so good! I am so glad to be out of the house!!! I have my follow up appointment this afternoon.

Ran around this morning getting the car my parents sold my son titled in my name. They had offered it to him before but he didn't want it. Now I guess he is either desperate or smarter...I am hoping the latter. It is an old car that they sold him for $300. And they are letting him make payments on it. My son started his first job on Monday and seems to really enjoy it so far. I am glad...I am planning on taking him to open a checking account with his first check. I am going to load Quicken on his computer and teach him how to budget and reconcile his accounts. No one ever taught me how to budget and I am now 36 years old and have nothing! So I can't wait to get him started on it!

Tomorrow is payday. Already have everything set up in my bill pay so I don't have to do anything. I love online bill pay! It makes my life so simple!

Is it really only 7:52???

May 5th, 2009 at 04:56 am

I am not a morning person! I usually go back to sleep after the kids leave until 9:00 or so. I don't have to start work until 9:00 and since I am working from home this week, I can crawl out of bed and be at work in a matter of minutes! But this morning, I started working at 6:30! I don't know what has gotten into me! But it is 7:52 and I have booked a very complicated airfare that involves 3 different airlines and 4 different flights! I have entered those flights into outlook and sent them to my boss. WOW!! So this is what morning feels like...

Yesterday was a NSD. Of course it helps that I can't leave the house! I can't wait until Thursday! I can start driving again! YEA!!! DH brought me home some chocolate ice cream yesterday. That was sweet of him...and unexpected. But we are out of milk, so I will have to come up with something else for breakfast!

I have a plan...

May 4th, 2009 at 05:22 pm

Okay...I have kind of been feeling sorry for myself lately. But tonight I made a plan. I came up with the next month's budget and will be in good shape come next week. I will be able fill my gas tank up again! I am so excited! And if I can stay afloat until July, there is an extra payment. Plus I didn't account for any of the money put into the savings accounts. It is a very strict budget...just hope I can stick to it.

I also have the opportunity to get some ot this month, if I will just be dedicated enough to do it! So I should be in pretty good shape in the next month. Can't wait to get back to where I was!!!

Weekend Update

May 4th, 2009 at 09:15 am

Spent too much money this weekend...Daughter needed supplies for a school project and DH needed new shoes. UGHHH!! I feel like I will never get back to where I was. I am feeling sorry for myself today. I have been stuck at home for over a week. I am going crazy! I should be working, but I can't make myself do anything! Got to get out of this funk!

Gnats still driving me crazy! Of course the dishes weren't done last night...only a few glasses and a bowl. But I am tired of being the only one doing stuff around here!

Okay...I am going to go before I rant more than I should.