Archive for August, 2013

I am SOOOOO Excited our Grant from my hubby’s employers’ Employee Assistance Foundation’ came through, they overnight Fed-Ex’d the check to his store and we were able to deposit the day after it was approved! Check cleared by Friday of last week and the payment was made to Citi the same day!  This payment brought us current through Sept. 1 with a balance of $232.42 (all late fees)!!! We are soo happy and thrilled all at the same time!

On the same day I received word that Ashley’s home Troop for Girl Scouts changed their meeting time to evenings so we can now return her original troop! She is very excited as am I! This troop is where it all got started and how she got rolling with Girl Scouts, this is awesome news! So off we went to Teacher’s Aid over the weekend and got her Brownie Sash (something I was holding off on getting last year as the troop she was with last year didn’t really do any work towards patches and such), her Troop Numbers, Council ID and a book, all in all I spent $23.00 and some change – all from cash I had pulled out Friday.

Speaking of, we came in WAY under budget on just about everything over the weekend – I still had about $15.00 cash left over from last week that I used to get cat and dragon food on Friday evening, Nixon still had a brand new bag of food so I didn’t need to get him anything.  So that put the $25.00 I budgeted for Cat/Dog food back into General use Circulation –  and I used that to buy Ashley’s Girl Scout stuff!

I will say this though, Jimmy’s being an employee where he is he managed to practically rob them blind when it came to purchasing his Dragon a new home! He  had some funds left over on a GC his Mom gave him for his B-Day, and he won a $25.00 store GC through a sales contest – combined he was able to get a new cage and lid w/his discount for less than $35.00! Like I said he practically robbed them blind, before the GC’s and his discount it was $53.00 and some change! WHAT?!?!?!  He made out like a Mad Man!

So here we are – Tuesday of this Week and we’re holding steady! I have some math to do with regards to figuring out how to pay the Mortgage payment in Full by the 15th of Sept. but that isn’t such a bad thing!

Well here we go:

 $72.03 Remaining from W/E 08/11/13  $517.72 Lara W/E 08/18/13 Salary
 $92.38 Amt. Spent  $260.39 Jimmy W/E 08/18/13 Salary
 $(20.35) Avail. Starting  $778.11
 $5.12 PetsMart  $(20.35) Avail. Starting
 $4.42 KTC  $778.11 Total Pay
 $33.12 Hat World  $757.76 Avail. For Bills
 $31.80 Harris Teeter  $315.00 In from Merrill for Jimm’s B-Day/Return of Repair Funds
 $8.03 Claires  $1,072.76
 $3.72 Chick Fil-A  $5,000.00 Grant From XXXXXX
 $3.17 Auntie Anne’s  $6,072.76
 $3.00 PetsMart  $10.41 Adj.
 $92.38  $6,062.35

I may have overdone things just slightly for Jimmy’s B-Day, but he’s worth it! I pulled funds in ($65.00) from our Merrill Account to cover the cost of his Gifts and Dinner!

Alright the breakdown:

 $6,062.35
 $70.00 Brigades Boys & Girls Club
 $5,992.35
 $21.39 Blockbuster.com, Auto-Draft 8/23
 $5,970.96
 $5.00 OT Solutions
 $5,965.96
 $170.00 Groceries
 $5,795.96
 $25.00 Jimmy’s Money
 $5,770.96
 $25.00 Dinner, 8/23
 $5,745.96
 $25.00 Cat & Dog Food
 $5,720.96
 $40.00 Gas
 $5,680.96
 $64.47 State Farm, Auto Draft 08/26
 $5,616.49
 $125.00 Progress Energy
 $5,491.49
 $5,020.00 CitiMortgage
 $471.49
 $40.00 Lara, License Renewal
 $431.49
 $250.00 Car Repairs
 $181.49

And now with the lump sum Cash Withdrawal:

 $6,062.35
 $70.00 Brigades Boys & Girls Club
 $5,992.35
 $21.39 Blockbuster.com, Auto-Draft 8/23
 $5,970.96
 $5.00 OT Solutions
 $5,965.96
 $340.00 Cash for Week
 $5,625.96
 $64.47 State Farm
 $5,561.49
 $125.00 Progress Energy
 $5,436.49
 $5,020.00 CitiMortgage
 $416.49
 $250.00 Car Repairs
 $166.49
 $10.00 Pending OT Sltns Checks
 $156.49

What is bothering me most here is that I’ve written (2) checks to OT Solutions (Austin’s OT Team) and the owner has YET to deposit them so they can clear – if they don’t clear within the week I may put a stop payment on them…it’s pathetic really, the deposits were written up on the 15th, then they went out of town and didn’t deposit the funds before leaving, um WHAT?!?! Are you friggin serious???  The office manager said they were back in the office yesterday so I hope they finally deposited them…UGH!

Lesson Learned: NO MORE Checks to OT Solutions!

With the $156.49 left over I am seriously concerned we’ve forgotten something…but what I have NO CLUE! I am meticulous about our checkbook and tracking/paying the bills…so I have no clue, there’s nothing pending in the auto-draft bills to be paid…we shall see though!

Alright that’s all from me this Week! Until next time all!

Hope the 1st Days of School go well for everyone going!

Advertisements

35th BDay Image

 

First I want to say we celebrated my Wonderful Hubby’s 35th Birthday last week on the 15th with a celebratory dinner on the 18th at home with some presents!  Doesn’t seem possible we’re 35 years old (yes my BDay is at the end of the month as well) – the kids and I grabbed him some goodies from the Sports Fan Attic – all Redskins Oriented of course 😉 we got him a silver Koozie with his initials on the back, a pen, and a ceramic shot glass! He loved them all! Then we got him some steamed shrimp and steak for dinner on Sunday night with a Chocolate cake to follow-up! All in all it was a great celebration!

With that being the case though, I did go a little overboard financially and ended up pulling in funds from our Merrill Account to cover the cost (that will be shown on next week’s budget) – YIKES!

Anyhew, the good news is this – the application he put in with his employer for an Employee Assistance fund grant/loan, what have you has been approved! We’ll be receiving a check to his store within the next 5 days to cover the past due on our mortgage! I am very excited about this!! We’ll be able to keep our home, the China I have, and not have to file bankruptcy! See all good things come to those who wait, we waited on the car and now we’re going to get this relief.

With that mention of the car, we’re looking down the barrel of replacing the air intake manifold, yes everyone, OUCH! Scott quoted me at  $609.00 list for the part, um yeah not 100% sure I want to sink that much into the car…YIKES! He’s looking into other options for us…so please hold on that!

Alright then, here we go, the budget for last week – I did manage to pull in a little bit of overtime and my hubby got a raise with his review last week (goes into effect this paycheck), so we’re up just a touch:

 $85.61 Remaining from W/E 08/11/13  $517.72 Lara W/E 08/11/13 Salary
 $54.00 Amt. Spent  $287.56 Jimmy W/E 08/11/13 Salary
 $31.61 Avail. Starting  $805.28
 $0.82 Gas Over Budget  $31.61 Avail. Starting
 $16.03 Target  $805.28 Total Pay
 $2.90 KTC  $836.89 Avail. For Bills
 $12.78 Wal-Mart  $6.39 Refund from OnStar
 $4.00 Wal-Mart  $843.28
 $2.66 Target  $250.00 Unused Repair Funds
 $12.31 Target  $1,093.28
 $2.50 PetsMart
 $54.00

 

And Alas it’s also back to school time – so that means new shoes, uniforms, and school supplies – we already purchased school supplies with an under budget amount a couple of weeks ago (using cash) – thankfully the kids’ school doesn’t require but four items each in terms of supplies, so we didn’t have to spend a fortune! Thank Goodness for that! On top of that I received a 20% off coupon from Payless in the mail, so I was able to save some coin when I bought the kids’ shoes over the weekend – which is good because we went over budget on groceries (it was a restocking trip, we seemed to  be out of everything LOL!)

Oh and we’ve made our FINAL payment to DB Plumbing! Woohoo! That money now goes back into the general funds budget! YES!!!

 $1,093.28
 $21.35 DB Plumbing
 $1,071.93
 $80.00 Brigades Boys & Girls Club
 $991.93
 $5.00 CCA
 $986.93
 $5.00 OT Solution
 $981.93
 $7.99 Hulu.com
 $973.94
 $170.00 Groceries
 $803.94
 $25.00 Jimmy’s Money
 $778.94
 $25.00 Dinner, 8/16
 $753.94
 $25.00 Cat & Dog Food
 $728.94
 $40.00 Gas
 $688.94
 $81.00 CFPUA
 $607.94
 $50.00  Kids’ Shoes
 $557.94
 $225.00 CitiMortgage
 $332.94
 $250.00  Car Repairs
 $82.94  $82.94
7%  $5.81
 $5.81  $77.13

 

And with the Lump Sum cash withdrawal:

 $1,093.28
 $21.35 DB Plumbing
 $1,071.93
 $80.00 Brigades Boys & Girls Club
 $991.93
 $5.00 CCA
 $986.93
 $5.00 OT Solutions
 $981.93
 $7.99 Hulu.com
 $973.94
 $340.00 Cash for Week
 $633.94
 $81.00 CFPUA
 $552.94
 $225.00 CitiMortgage
 $327.94
 $250.00 Car Repairs
 $77.94
 $5.81 Merrill Transfer
 $72.13

 

So that is where we’re at currently…some good news and some meh news…Well off I go for lunch! Bye for now!

Ok I am just going to say it – I am sick and F*ng tired of not being paid for days off…it’s getting to the point that I can’t even pay my bills because I want a couple of days off of work – my boss once again wants to have a “General Discussion” regarding this email I sent her the night we returned the car to the dealership:

“Good Afternoon Kim,

 Just wanted to sent a note to speak with you about a possible salary increase/raise.  After three years of dutiful employment, completing any and all tasks requested in addition to my regular duties I feel it is time to discuss the possibility of a pay increase.
 
Please let me know if this is something we can discuss further.
 
Thanks!”
This I am certain will be just another one of her atypical “We haven’t decided what we’re doing with your position” or “The current situation of XXXX is not compatible with pay raises for temps” blah blah blah…frankly it’s getting to sound more and more like she’s a politician and not a manager…sickening honestly! I have zero respect for this woman and if the job market wasn’t so bleak in Wilmington I might be inclined to look for work elsewhere…as it is I am thinking of trying to find other avenues for making some extra cash – possibly jumping into the world of Freelance writing…my publishing career is once again stalled as I’ve been so wrapped up with our financial problems I haven’t had time to do anything with it…that post will be on my other blag shortly…
As it is this week’s budget is very brief, as with the shortage of our pay due to me being off two days last week (I only keyed/worked 26.5 hrs. last week) and there not being enough work to fill the balance 14.0 hrs. I would have worked I couldn’t justify logging in and just getting hours for doing nothing…so here we are, another short-pay week, it hurts like an SOB and I am so very tired of it all!
With that being said – here’s the budget this week:
 $110.31 Remaining from W/E 08/04/13  $304.07 Lara W/E 08/04/13 Salary
 $76.90 Amt. Spent  $259.13 Jimmy W/E 08/04/13 Salary
 $33.41 Avail. Starting  $563.20
 $7.49 PetsMart  $33.41 Avail. Starting
 $4.99 Office Max  $563.20 Total Pay
 $1.02 Target  $596.61 Avail. For Bills
 $18.44 Hobby Lobby  $250.00 Unpaid Car Repairs
 $8.85 Target  $846.61
 $6.39 Wal-Mart  $88.00 Unexplained Discrepancy
 $5.23 Harris Teeter  $934.61
 $3.18 PetsMart
 $1.00 Wal-Mart
 $4.96 KTC
 $4.12 Harris Teeter
 $5.95 Target
 $5.28 Everybody’s IGA
 $76.90

 

Ok two things here:

1.  We haven’t paid Scott yet for the repairs to the car, we’re waiting on him to find a seal for our intake system and then install it before we pay  him, so that $250.00 (down from the initial $275.00 from last week, as that’s what he and Jimmy agreed to) was put back into the budget

2.  The $88.00 discrepancy was the difference between what my spreadsheet said was available and what my checkbook said was available – not sure where it came from but it worked in my favor so it got plugged back into the budget.

Like I said it’s a  brief week – with just one item coming out directly from the account this week – Austin’s TKD payment and then payment on the utility and DB Plumbing (which BTW has just one more payment!!! WOOHOO!! and then that money will go back into the budget!)

 $934.61
 $25.00 DB Plumbing
 $909.61
 $80.00 Brigades Boys & Girls Club
 $829.61
 $5.00 Tate & Kirlin
 $824.61
 $5.00 OT Solution
 $819.61
 $89.00 APM
 $730.61
 $170.00 Groceries
 $560.61
 $25.00 Jimmy’s Money
 $535.61
 $25.00 Dinner, 8/9
 $510.61
 $25.00 Cat & Dog Food
 $485.61
 $35.00 Gas
 $450.61
 $100.00 CFPUA
 $350.61
 $250.00 Car Repairs
 $100.61

Now I did re-budget for the car repairs this week as I fully expect to be paying Scott before the week is out, he rightfully deserves it! He’s saved me a TON of cash!

 $934.61
 $25.00 DB Plumbing
 $909.61
 $80.00 Brigades Boys & Girls Club
 $829.61
 $5.00 Tate & Kirlin
 $824.61
 $5.00 OT Solutions
 $819.61
 $89.00 APM
 $730.61
 $260.00 Cash for Week
 $470.61
 $100.00 CFPUA
 $370.61
 $35.00 Gas
 $335.61
 $250.00 Car Repairs
 $ 85.61

Now I’ve had to keep Gas as a separate budget item from the Cash for the week as I have to stop and get gas on my way to get the kiddos tonight – running the AC (per Scott – to keep the car from stalling at a red light/when idle – it’s something to do with the missing seal and the intake system) all the time has eaten my gas and I am down to almost empty as of this morning’s drive into work – not enough to get me to Brigades, Bank and then a Gas station (they are too spread out in town), otherwise everything remains the same!

Well that’s enough from me, Jimmy’s off tomorrow so I am hoping we can hit the beach!

Have an Awesome Weekend Everyone! Until Next Week!

WOW WOW WOW (borrowed from the wonderful Gordon Ramsey) we’ve been busy and therefore absent with the budgets and posts all around…I do apologize though! We went out of town last week (7/26 – 7/30) to visit family in MD and as a result I was unable to keep a budget for our Week Ending 07.21.13 paychecks as we just skimmed by using both our pay and the refund from our down payment to Jeff Gordon ($900) to fund out little vacation!  What I do love about going to MD is that we always have a free place to crash, my parents house, which means a lot of free meals, Thank You Mom & Dad! As they do the grocery shopping and we help with as much of the cooking as we can.   I will say though that it’s always a little strange to go stay with them in the house I grew up in as it doesn’t look a thing like that house anymore (they’ve done a lot of redecorating/rearranging rooms, etc) but it’s homey and serves their needs, which, honestly is perfect! It makes it Mom & Dad’s house and we love it!

My hubby and I did take advantage of having built in babysitters and headed out to a Pool Hall in town to have a quick date to celebrate our Anniversary! While the pool tables were being used when we arrived, within the hour we were set-up with a table and played 4 games of Pool (all of which he royally kicked my arse! LOL!!) Had a couple of beers and braved a torrential down pour to get home! It was very nice to just be us and hang out for a couple of hours just the two of us celebrating our 12th Wedding Anniversary (which was yesterday the 4th ;-))

So while there we visited with my sister, brother-in-law and my brother – enjoying a small BBQ (Despite some rain) to celebrate all of the July/August Birthdays (my sister, brother-in-law, myself, my hubby, and my Mom) and my hubby & I’s 12th Anniversary and then that same evening we headed up the road to my In-Law’s apartment for a quiet evening of a Pizza dinner and hanging out at their place.  The following day we loaded up the cars and headed to the Smithsonian National Zoo! What fun that was!!   If you ever are in DC take a day and stop by the Zoo! We drove there but honestly taking the Metro is just as easy.  We opted to drive so we could pack a picnic lunch instead of buying the overpriced disgusting food they sell in the Zoo Restaurants and those around the Zoo in DC! While admission to the Zoo itself is free parking was $22 for the 3.5 hour we were there! OUCH!

I broke down the costs of everything we spent while in MD – en route to and from MD and I was very surprised honestly!

Our rental car was $382.20 for a Ford Escape for a Week…not terrible, but not wonderful either – I have a VERY BIG Aversion to all things Ford so I was less than pleased with Hertz’s choice of vehicles!

Here’s the breakdown of all expenses while we were there – we spent more on Gas than anything else – 1.5 tanks of gas each way, a fill-up while in MD and then a fill-up before turning it into Hertz on Friday the 2nd (yes I kept the damn thing for a Week, I paid for a week I was keeping it for a week!)

Trip Expenditures
 $37.87 Love’s Country Store – Gas
 $36.33 AirPark BP – Gas
 $23.35 Taco Bell – Dinner
 $22.00 Hard Times Café – Date
 $13.00 Hard Times Café – Date
 $12.00 Hard Times Café – Date
 $8.05 Exxon – J Cigs
 $5.67 McDonald’s – J Snack
 $3.23 KTC
 $1.59 McDonald’s – Drinks
 $37.87 Boston Market – Lunch
 $23.97 McDonald’s – Dinner
 $22.84 Candy World – Candy
 $22.00 FONZ – Zoo Parking
 $5.99 Sodexho – Drink at Zoo
 $3.04 McDonald’s – Drinks
 $41.90 Hasty Mart – Gas
 $21.84 AirPark BP – Gas
 $28.00 Exxon – Gas
 $370.54

All in all not terrible with the Rental Car we spent $752.74, could be a lot worst had we had to pay for a hotel!

Alright so onto why we’re here, the weekly budget, again we’re two weeks post the last one, but not a ton has changed, we were able to hook up with a friend who looked at our Focus while we were out of town and determined that the stall out/shaky idle has been caused by a leak in the Air Intake system – so he replaced the hose for it and is in the process of tracking down a seal instead of replacing the whole system (which would have been $500+) and the grinding brakes was actually a brake pad that had near worn down to the point of being right on the rotor – so he had me purchase a new set of brake pads and he installed those for us late last week.  All in all we’re currently at about $100.00 if not far less for the repairs, we’ve budgeted $275.00 for the repairs in total as he’d told us the final piece for the seal is like a $0.40 piece if he can find one.  He does want my hubby to try and track down ball bearings for the rear tires, we still think that those will fall under our budget as the last one we replaced wasn’t more than $100.00…so I took the $900 ($750 for down payment/repairs + the payment) and put that money back into our general funds and I used it to help pay some bills this week:

 $1,149.45 Remaining from W/E 07/21/13  $411.92 Lara W/E 07/28/13 Salary
 $141.50 Amt. Spent  $257.21 Jimmy W/E 07/28/13 Salary
 $1,007.95 Avail. Starting  $669.13
 $28.00 Exxon – Rental Gas  $1,007.95 Avail. Starting
 $33.50 Exxon – Focus Gas  $669.13 Total Pay
 $80.00 Brigade’s B&G Club  $1,677.08 Avail. For Bills
 $ –
 $141.50

 

 $1,677.08
 $25.00 DB Plumbing
 $1,652.08
 $80.00 Brigades Boys & Girls Club
 $1,572.08
 $382.20 Rental Car
 $1,189.88
 $115.00 AT&T
 $1,074.88
 $5.00 OT Solution
 $1,069.88
 $5.00 CCA
 $1,064.88
 $170.00 Groceries
 $894.88
 $25.00 Jimmy’s Money
 $869.88
 $25.00 Cat & Dog Food
 $844.88
 $25.00 Dinner, 8/2
 $819.88
 $337.00 Credit Acceptance
 $482.88
 $275.00  Repairs for Car
 $207.88
 $100.00 Progress Energy
 $107.88  $107.88
7%  $7.55
 $7.55  $100.33

And because I had to put Gas into the Focus en route to returning the rental truck I didn’t budget for the Gas expenditure (thus the reason there’s two gas transactions listed above) – so here’s the breakdown with the lump sum cash withdrawal:

 $1,677.08
 $25.00 DB Plumbing
 $1,652.08
 $80.00 Brigades Boys & Girls Club
 $1,572.08
 $382.20 Rental Car
 $1,189.88
 $115.00 AT&T
 $1,074.88
 $5.00 OT Solutions
 $1,069.88
 $5.00 CCA
 $1,064.88
 $260.00 Cash for Week
 $804.88
 $337.00 Credit Acceptance
 $467.88
 $275.00 Repairs for Car
 $192.88
 $100.00 Progress Energy
 $92.88
 $7.55 Merrill Transfer
 $85.33

Alright I think I’ve talked enough for this Week! Until next Week!