Archive for March, 2013

There’s dissention in the ranks – that’s a military term used to describe unhappy soldiers among a unit – well that dissention starts with me here at work…while I won’t go into specifics as it might give away more than I am comfortable discussing in an open forum – I will say this, my job is very bland, it’s basic data entry with some back-end audit work done from time to time; it’s tracking and billing – nothing fancy, not difficult, but when communication breaks down my job falls to crap! When someone doesn’t inform me of an update my boss looks to me like ‘why didn’t you do this update?’ and if I tell her that it’s because the SM didn’t communicate it to me, she says that they need to communicate better with me…well DUH stupid I could have told you that! WOW Amazing how communication helps move pieces together in the work place…BUT BUT there’s a whole other layer to this – once I do my part of the update it goes to my counterpart with the client who is then supposed to do the same update in their system – if she tells me she’s done the update but then FAILS to do said update it comes back to ME! WTF???

I am somehow supposed to track these updates and make sure she’s doing what she’s supposed to be doing – she sends the workflow back to me stating it’s been completed, I approve it and bam we’re done…but then when my group does their audit roughly 30-days later and we find that she hasn’t done the update my boss looks to me and asks me why I didn’t follow-up with her to make sure it was done…um that’s what the workflow process is for?!?!?!

WTF?!?! So I am thinking it’s come to that time where me and my company part ways before my reputation is shot entirely to shit and my life goes to hell in a hand basket and my sanity goes floating down shits creek. I am teetering, truly truly teetering. So I believe it’s time to ramp up the publishing career track and get that back in process so I can leave this industry and swap to one where my heart truly lies…

Backstabbing and Offloading responsibilities belongs with Politicians – something I am not and it’s not a game I am willing to play ‘Not Me’ doesn’t live in my house, I am a firm believer in taking responsibility for ones actions – and to see 7 grown ass adults who aren’t willing to take responsibility for their failures just rubs me the wrong way…a no nonsense approach to work is the best way to keep people happy…and my boss is failing everyone by not keeping this motto alive!

So off we go to do some more research and begin reaching out to publishers/scouts/agents in the field to begin the process of making the transition over to Publishing…it’s time.

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Alright everyone it be that time again, time to do our weekly budget, amazing how the time just flies right by!

Anyhew, not much new to report – this week I’ll be paying off the past due balance on the car and we can FINALLY go car shopping next weekend, I am stoked to say the very least about that…yes I know car shopping isn’t my favorite (see previous post on the topic) I am happy though that we are going to get out from under the money pit (this is what I call our car as we’ve spent more money in repairs on it that anyone truly should)…so that makes me very happy!  This will be a $500.00 draft from the refund for a down payment, but it’ll be worth it.

On that note, yesterday we did something we wanted to do, I took the kids to the movies – an unexpected, un-budgeted expenditure, but one I was happy to make – took the kiddos to see ‘The Croods’ a very cute movie and something we’ll most likely purchase when it comes out on DVD.  I don’t feel guilty about this at all, we hardly ever get to do anything like this, so to take the money and do it was something I enjoyed!

Alrighty then without further adieu – here’s this weeks budget – by the time this week is over we will have spent roughly $1,793.00 of our refund and are left with $1,449.24 – amazing how quickly the money goes isn’t it? I am going to do my damndest to hold onto the remainder of that money as long as I possibly can – as stated above we have one more big draft for the down payment on the car and then maybe a furniture purchase here soon and then it’ll be gone…just gone…

First a Summary of Expenditures vs. Income:

 $2,557.00 Federal Tax Refund  $633.53 Lara W/E 03/10/13 Salary
 $685.00 State Tax Refund  $304.48 Jimmy W/E 03/10/13 Salary
 $3,242.00  $938.01
 $37.68 Wal-Mart  $3,021.13 Avail. In Checking
 $13.21 Kilwin’s  $2,059.24 Avail of Refund
 $7.27 PetsMart  $961.89 Avail for Bills
 $6.00 Tommy’s
 $4.16 PCJ
 $5.93 Harris Teeter, Chicken
 $2.09 Harris Teeter, Starbucks
 $23.52 Office Max
 $13.63 Pets Mart
 $10.41 Chick Fil A
 $3.45 PetsMart
 $127.35
 $2,059.24 Remaining of Refund

Then the budget breakdown with just the monies available from our pay:

 $961.89
 $20.00 DB Plumbing
 $941.89
 $5.00 WHA, Auto-Draft 03/22
 $936.89
 $40.00 Brigades Boys & Girls Club
 $896.89
 $5.00 OT Solutions
 $891.89
 $5.00 LCA, Auto Draft 03/27/13
 $886.89
 $110.00 CFPUA pd 03/22 Conf.# 145638
 $ 776.89
 $21.39 Blockbuster, Auto-Draft
 $755.50
 $16.44 Amazon.com, Lover @ Last
 $739.06
 $5.00 Coast Behavioral, 3/28
 $734.06
 $170.00 Groceries
 $564.06
 $40.00 Gas
 $524.06
 $25.00 Dinner 03/22
 $499.06
 $40.00 Lara’s Hair Cut
 $459.06
 $25.00 Jimmy’s Cash
 $434.06
 $25.00 Cat & Dog Food
 $409.06
 $70.00 Progress Energy
 $339.06
 $150.00 Credit Acceptance
 $189.06
 $150.00  CitiMortgage
 $39.06  $39.06
7%  $2.73
 $ 2.73  $36.33

And now including the remainder of our refund:

 $3,082.49
 $20.00 DB Plumbing
 $3,062.49
 $5.00 WHA, Auto-Draft 03/22
 $3,057.49
 $40.00 Brigades Boys & Girls Club
 $ 3,017.49
 $5.00 OT Solutions
 $3,012.49
 $5.00 LCA, Auto Draft 03/27/13
 $3,007.49
 $110.00 CFPUA pd 03/22 Conf.# 145638
 $  2,897.49
 $21.39 Blockbuster, Auto-Draft
 $2,876.10
 $16.44 Amazon.com, Lover @ Last
 $2,859.66
 $5.00 Coast Behavioral, 3/28
 $2,854.66
 $340.00 Cash for the Week
 $2,514.66
 $510.00 Credit Acceptance  $360.00 Amt Withdrawn from Ref.
 $  2,004.66
 $400.00 CitiMortgage  $250.00  Amt Withdrawn from Ref.
 $1,604.66
 $70.00 Progress Energy
 $1,534.66
 $2.73 Merrill Savings
 $1,531.93

And that be all she wrote for the week…until later alligators!

Here we go AGAIN, didn’t we JUST do this? It would seem right? But nope, it’s been about 18 months since we last re-structured the mortgage, could be longer, could be shorter, sad that I don’t know off the top of my head.

Either way, the fact of the matter is this, and simply put, we F*cked up with balancing our budget, balancing our finances, not saving and yet again we are severely underwater on the past due of our mortgage.  Yes our car broke down, and required several fixes, but had we done the semi-smart thing we’d have had some months salary saved to help counter the cost of these repairs so we could stay current on our mortgage.  But nope, we didn’t, and nope we don’t, right now I have roughly $65.00 in our savings account and I don’t even know how much change/cash in my ‘piggy bank’ at work. YES everyone I have a Piggy bank at work, LOL!! It was a Christmas Present from my boss, a simple red box with ‘Don’t Worry Keep Saving’ on it, this Piggy bank is where I stash any coins/left over cash from our weekly cash withdrawal, it’s pretty full and I imagine I’ll need to empty it soon to make room for more $$$, Hee hee Love the sound of that.  But that doesn’t lessen the issue here: We have zero savings, and therefore, we fell behind on our mortgage and car payments and utilities because of this.

So this is where we are right now – we’ve submitted the paperwork to Re-Structure our mortgage for, what I believe is the 3rd time, since we closed on the house in June 2007 – I beginning to think we’re a tad over our heads with this house…and a car…and everything else going on in life right now…while I want to do whatever I can to keep my home, I am beginning to wonder if its truly meant to be.  Getting to closing was an uphill battle we fought along with our WONDERFUL Realtor who was ever patient with the dozens of panicked phone calls we made during the day against our incompetent Mortgage broker who had NEVER done an FHA loan before, who ALSO failed to ask for help – man it seemed like we’d never get to the closing table, I believe and this is very strong, that they finally conceded and allowed us to close because we threw back in their faces the fact that we had a pre-approval for the loan – without that I think we’d probably still be in our tiny apartment or homeless as we went several months without paying the mortgage or 1/2 of the payment due to unemployment.

At this junction we’ve collected all the necessary paperwork (8 Weeks Worth of Paystubs, 2-Months worth of bank statements, 2- years worth of Tax Returns, All of the Current utility bills, and signed forms) and emailed it off to CitiMortgage, now I guess it’s a waiting game…honestly though, I am at the point of what more can we do to maintain? That’s all I want is to maintain.

Budget Week Ending 03.17.13

Posted: March 17, 2013 in Budgets

Some may say the Luck of the Irish follows you on St. Patrick’s day – ok if that’s how you want to see it then that’s fine…personally our luck has been ok since we’ve gotten our refunds, we’ve been really good about not blowing the money on things we really don’t ‘need’ a few wants here and there but nothing huge! I could totally go blow it on new furniture for the house – but if I did that and didn’t pay the mortgage I wouldn’t have a house to put it in – same goes for the car, if I tried to trade it before I paid off the back due balance I wouldn’t have much luck – these are just some hard learned lessons from years ago…currently I’ve learned that if I want to make that money last, it’s best not to spend it all at once, spread out the expenditures and bill payments so that it gets re-padded each week with our paychecks and we have a better chance of still having that money in the longer term…thus the reason you won’t see me paying any big bills this week, while I still have abt $2100 left of our refund, I find it better to not change our bill pay schedule so I have more of our paychecks sitting there when I pay them next week.

So here we are  – this Weeks Budget:

 $2,557.00 Federal Tax Refund  $581.20 Lara W/E 03/10/13 Salary
 $685.00 State Tax Refund  $312.39 Jimmy W/E 03/10/13 Salary
 $3,242.00  $893.59
 $10.69 Old Navy  $2,984.71 Avail. In Checking
 $10.97 Starbucks  $2,186.59 Avail of Refund
 $12.78 Michaels  $798.12 Avail for Bills
 $18.13 Wal-Mart
 $27.82 Chipotle
 $35.85 Old Navy
 $38.55 Hibachi Grill
 $24.58 Goodnight Sleep Store – OB
 $4.36 Everybody’s
 $16.98 Harris Teeter
 $30.96 Wal-Mart
 $6.88 Chick Fil A
 $238.55
 $  2,186.59 Remaining of Refund

 

 $798.12
 $20.00 DB Plumbing
 $778.12
 $5.00 CCA, Auto-Draft 03/18
 $773.12
 $71.00 Brigades Boys & Girls Club
 $702.12
 $5.00 OT Solutions
 $697.12
 $5.00 LCA, Auto Draft 03/20/13
 $692.12
 $65.20 State Farm, Auto Draft 03/20/13
 $626.92
 $7.99 Hulu.com, Auto-Draft 03/21/13
 $618.93
 $89.00 APM Int’l, Auto-Draft 03/15/13
 $529.93
 $170.00 Groceries
 $359.93
 $40.00 Gas
 $319.93
 $25.00 Austin Shoes
 $294.93
 $20.00 Austin Jeans
 $274.93
 $25.00 Laptop Cooling Pad
 $249.93
 $30.00 Dinner 03/08
 $219.93
 $20.00 Jimmy’s Cash
 $199.93
 $25.00 Cat & Dog Food
 $174.93  Remaining for Bills W/E 03/24/13

 

 $798.12
 $20.00 DB Plumbing
 $778.12
 $5.00 CCA, Auto-Draft 03/18
 $773.12
 $71.00 Brigades Boys & Girls Club
 $702.12
 $5.00 OT Solutions
 $697.12
 $5.00 LCA, Auto Draft 03/20/13
 $692.12
 $65.20 State Farm, Auto Draft 03/20/13
 $626.92
 $7.99 Hulu.com, Auto-Draft 03/21/13
 $618.93
 $89.00 APM Int’l, Auto-Draft 03/15/13
 $529.93
 $360.00 Cash for Week
 $169.93  Remaining for Bills W/E 03/24/13

Alright ya’ll – Thanks for following along!

So had a small victory yesterday – I actually picked up the phone when Credit Acceptance called and this time I actually had good news for them – I had made a payment for 1/2 of our back due total, $500, scheduled to go out to them before the end of this week and that the balance due ($506.30) would be paid in two weeks time when I pay my bills again – Well what do you know the lady on the other end of the phone was pleasant and amiable and actually told me that my 10-Day payoff might actually be quite a bit less than the 30-Day payoff quote I got last week!

Well well what do you know?!?!?!

What’s even better in my minds eye though is this – after the 20th my phone# will change and they won’t have it, I am laughing all the way to the dealership!! I won’t jinx it or get cocky, but man alive it feels good to know that with a little $$ a lot can go away…

Lesson Learned: Money Talks and the Poor are Screwed!

Ok so this weeks budget was a tad trickier because we received our tax refunds – yes by some miracle we now have them both – Federal and State – the State was in the past has taken several weeks past the Federal to be received – so I wanted to do our budget first without the refunds and then with them, so I first had to figure out how much we’ve spent of the refunds against the actual available monies in our checking account, so that’s what’s here:

 $ 2,557.00 Federal Tax Refund  $ 517.72 Lara W/E 03/03/13 Salary
 $ 685.00 State Tax Refund  $ 178.43 Jimmy W/E 03/03/13 Salary
 $ 3,242.00  $ 696.15
 $ 5.00 Dunkin Donuts  $4,138.55 Avail. In Checking
 $ 15.74 McDonald’s  $3,177.16 Avail of Refund
 $24.18 Wal-Mart  $ 961.39 Avail for Bills
 $10.51 PetsMart
 $9.41 Harris Teeter
 $64.84
 $3,177.16 Remaining of Refund

So then I took that $961.39 and did our Weekly Budget – First with the line item break down and then with just the lump sum cash withdrawal:

 $961.39
 $20.00 DB Plumbing
 $941.39
 $5.00 Tate & Kirlin, Auto-Draft 03/10/13
 $936.39
 $70.00 Brigades Boys & Girls Club
 $866.39
 $5.00 OT Solutions
 $ 861.39
 $5.00 LCA, Auto Draft 03/13/13
 $856.39
 $170.00 Groceries
 $686.39
 $40.00 Gas
 $646.39
 $200.00 Citi
 $446.39
 $200.00 Credit Accept
 $246.39
 $125.00 AT&T
 $121.39
 $25.00 Dinner 03/08
 $96.39
 $20.00 Jimmy’s Cash
 $76.39
 $25.00 Cat & Dog Food
 $51.39  $51.39
 5%  $3.57
 $2.57  $47.82

And now with the lump sum cash withdrawal:

 $  961.39
 $20.00 DB Plumbing
 $941.39
 $5.00 Tate & Kirlin, Auto-Draft 03/10/13
 $936.39
 $70.00 Brigades Boys & Girls Club
 $866.39
 $5.00 OT Solutions
 $861.39
 $5.00 LCA, Auto Draft 03/13/13
 $856.39
 $280.00 Cash for Groceries, Gas, Jimmy’s $ & Pet Food
 $576.39
 $200.00 Citi
 $376.39
 $200.00 Credit Accept
 $176.39
 $125.00 AT&T
 $51.39 51.39
5% 3.57
 $ 2.57 47.82

Alright now to mix things up some – the budget with the tax refunds – I’ve kept it pretty simple – I’ve doubled the Citi Payment and the Payment to Credit Acceptance by abt 1.5 – we want to pay off our back due balance as mentioned earlier today – and I want to do this sooner rather than later:

 $4,158.55
 $20.00 DB Plumbing
 $4,138.55
 $5.00 Tate & Kirlin, Auto-Draft 03/10/13
 $4,133.55
 $70.00 Brigades Boys & Girls Club
 $4,063.55
 $5.00 OT Solutions
 $4,058.55
 $5.00 LCA, Auto Draft 03/13/13
 $4,053.55
 $170.00 Groceries
 $3,883.55
 $40.00 Gas
 $3,843.55
 $400.00 Citi
 $3,443.55
 $500.00 Credit Accept Bal. Due:  $506.30
 $2,943.55
 $125.00 AT&T
 $2,818.55
 $25.00 Dinner, 03/08
 $2,793.55
 $20.00 Jimmy’s Cash
 $2,773.55
 $25.00 Cat & Dog Food
 $2,748.55
 $275.00 Ashley’s Bed
 $2,473.55
 $450.00 Furniture?
 $2,023.55

And now the above with the lump sum Cash Withdrawal:

 $4,158.55
 $20.00 DB Plumbing
 $4,138.55
 $5.00 Tate & Kirlin, Auto-Draft 03/10/13
 $4,133.55
 $70.00 Brigades Boys & Girls Club
 $4,063.55
 $5.00 OT Solutions
 $4,058.55
 $5.00 LCA, Auto Draft 03/13/13
 $4,053.55
 $280.00 Cash for Groceries, Gas, Jimmy’s $ & Pet Food
 $3,773.55
 $400.00 Citi
 $3,373.55
 $500.00 Credit Accept Bal. Due:  $506.30
 $2,873.55
 $125.00 AT&T
 $2,748.55
 $275.00 Ashley’s Bed
 $2,473.55
 $450.00 Furniture?
 $2,023.55

So there it is!

Two Words: Credit Acceptance

Those who own cars and finance them know this story all too well – you get behind, even if just a day or two, and your finance company HOUNDS you to the near point of harassment – it’s sick it truly truly is sick – I am well aware I am behind, if I’ve done my math right, I add my monthly payment ($336.96) to the past due balance ($669.34) our total due is $1,006.30, that’s roughly $250.00/week for the next 4 weeks until our next payment is due – I know this, and we’re doing our very best to catch up and make these payments – if I want to buy a new vehicle next month this is a necessity!

So then someone please tell me WHY they have their automated calling service set-up in such a way that it’ll continue to call you until you’ve either made a payment (usually for the full past due amount) or you’ve made some sort of payment arrangement with them – because I do my budgets on Fridays and payments are done bi-weekly I won’t know from this week to the next two weeks what I’ll be paying them and when until I’ve seen our paychecks (as they vary depending on the number of hours my husband and I both work, it’ll fluctuate week-to-week) and yes I’ve told them this numerous times – tried telling them they’ll get $XXX.XX a week for the duration of the loan or until I traded it in whichever came first – BUT because they can only do up to three weeks out at a time, once that three weeks is up, BAM my phone is blowing up once again…

So that’s where I’m at right now – in the last week they’ve called 14 times, sometimes up to 6 times a DAY generally starting at exactly 8am and going until abt 8:45 at night – if I don’t pick up my cell phone (which I won’t do while at work, not going to jeopardize my job to talk to them) they’ll then call the house number – so then take that 14 times to my cell phone ALONE and multiply it by 2  = 28 times in 7 days, that averages to 4 calls a day – um harassment much?!?!?! Am I the only one who feels this way???

Lesson Learned: Don’t give actual number to finance company unless you want to  be harassed!