Archive for December, 2013

From the Family at NCREaderGirl, I hope each and every one of you had an AWESOME Christmas!

We sure did here, small celebration just the four of us, but that didn’t matter, we still enjoyed the day, and just relished each other’s company…we watched a movie, ate good food, and I took a much needed NAP LOL!!!

While not a Christmas movie, it’s what we chose to watch today!

Blessed_Yule_Contest_Entry_by_TinyAngel21 Merry Christmas


So Happy Holidays and a Very Happy New Year!

Merry Christmas


Merry Christmas to us – yeah right – I am ticked, let down, saddened, etc. however you wish to put it – why? Well two reasons:

1.  Two of the girls who work with my hubby QUIT, yes you read that right, they QUIT – ADIOS, Good Bye, See Ya Later (can you imagine that in the Shrek Voice?) Anyway – this has caused his store to only be able to give him 3-days leave at Christmas…so that leads me into reason #2

2.  With the repairs to the fan on our HVAC system, costing me $289.00, the loss of work hours, and the cost of travel we’re now STUCK – yes friends I said STUCK at home in Wilmington for Christmas.  WE were scheduled to leave on Sun the 22nd and stay through until the 27th/28th and I had made plans to see numerous people while we were in Maryland for the holiday – including my Grandparents, whom I haven’t seen in 2+ years – and I am totally BUMMED about this.

To say my Christmas is already in the tank is an understatement – this time to go to Maryland and be with our families – extended family – is one of those things I look forward to most during the year and to be let down to this degree is just entirely too much for me right now…so needless to say we’ll be spending the day watching bad Christmas Movies including:

Home Alone 1 & 2

National Lampoon’s Christmas Vacation

Jingle All the Way

A Christmas Carol

Miracle on 34th Street

And many many others we own…we’re meal planning right now, but have gotten stumped with Ham & Mashed Potatoes w/Red Velvet Cake for dessert.

So to get us back on track here – last week we went a tad overboard in terms of spending – I did some shopping for Christmas gifts to send home with my Parents when they come down on the 26th (the silver lining here, they’ll be here until the 29th)…so I spent some of the cash reserves I had saved, roughly $85.00 + some from Checking $39.24.

9th Birthday Girl

This last weekend we also celebrated my daughter’s 9th Birthday – her actual birthday is Christmas Eve (another thing we’re missing is the big family party we always have for her) – by having her Girl Scout Troop over for a Slumber Party on the 14th! We had in total 8 girls plus Ashley and my son Austin, for 10 kids in total – it was total Chaos in the house!  We spent about $50.00 at the party store on balloons, goody bags, and other decor, then $32.00 at Little Ceasar’s for pizza and cheesy bread for the girls, and then another $15.00 or so at the Grocery store for brownies, sodas, and pancake mix for breakfast!  All in all I spent a grand total of $84.69 (I had budgeted $100.00, so I was under budget there!)

So here we are – the budget, enjoy:

 $25.08 Remaining from W/E 12/01/13  $525.99 Lara W/E 12/08/13 Salary, Pay Date 12/13
 $20.38 Amt. Spent  $272.38 Jimmy W/E 12/08/13 Salary
 $4.70 Avail. Starting  $798.37
 $3.66 KTC  $4.70 Avail. Starting
 $5.74 Sweet Frog  $798.37 Total Pay
 $4.05 Kindle Charges  $803.07 Avail. For Bills
 $6.93 Harris Teeter

I swear these student loans are going to be the death of me – notice we haven’t paid our mortgage/car payment in awhile?!?!?!? Well HELLO other bills – UGH!  I really hate this time of year in terms of finances – struggling to do Christmas shopping while balancing the bills – UGH – so I have a plan for 2014 which will be discussed with my next Budget post for the New Year!

 $70.00 Brigades B&G Club
 $111.00 Great Lakes, 12/17 Auto-Draft
 $150.00 Citi
 $200.00 Groceries
 $25.00 Dinner, 12/13
 $25.00 Cat & Dog Food
 $25.00 Jimmy’s Money
 $40.00 Gas
 $84.69  Ashley’s Party
 $39.24  Money Spent Before Bills Paid
 $33.14  $33.14
7%  $2.32
 $2.32  $30.82

And with the cash withdrawal – I put all of Ashley’s party stuff on my Debit card so that if there was anything left I could put it back into the general fund for the budget – and thus I was able to send $20 extra to Citi! So it worked out!

 $70.00 Brigades B&G Club
 $320.00 Cash for the Week
 $84.69 Ashley’s Party
 $111.00 Great Lakes, 12/17 Auto-Draft
 $150.00 Citi
 $39.24  Money Spent Before Bills Paid
 $2.32 Merrill Transfer

Ok so that’s that – if anyone is curious my weight loss journey is going well – I am down 18lbs – still no Gym Membership YET – but Zumba 100% oh yeah! The only downside I am seeing here is that now I have to find $$$ to go clothes shopping LOL!! My hubby in his infinite wisdom when asked by his Mother what to get me for Christmas told her to get me a Gift Card to a clothing store so I can replenish my wardrobe (collective AWWWW please!)!  After the New Year I’ll be looking for a Gym Membership and I am leaning toward Planet Fitness as they seem to be the more flexible option for me…we’ll see though!

Well it’s getting on time for me to vamoose on home – so enjoy and I will talk with ya’ll next week!

Alright so I’ve been noticeably absent lately and that’s because last week we didn’t really have anything to report – I was holding our funds to pay for the HVAC repair at home, well on that we managed to get someone out to look at the system and as it turns out it’s the fan motor that’s bad so we’re replacing that.  They had to order the part and it’ll be in this week Mon/Tues so today or tomorrow – and the cost of the part + installation is $289.00, OUCH!  So for now we’re freezing our butts off and using the Emergency heat in the house until the fan part is installed tomorrow or Wednesday…lovely right? I’ll see that jump up on our electric bill – as if it’s not already high enough.

Add to this I needed to order Checks – which isn’t all that terrible, only $20.00 there, so not terrible! Then during a trip to Michael’s on Saturday in search of something for my daughter to wear (lights/bells, etc) in the Christmas Parade with her GS Troop I stumbled upon an idea for Presents for the family, so while I did not find what I was looking for in terms of stuff for the parade, we did manage to craft some stuff for the family for Christmas for $22.00! Very pleased about that!

Also, I finally have come to terms with the fact that we HAVE HAVE HAVE to hold off on buying a new car when tax time rolls around for one simple fact – WE NEED TO GET AND STAY CURRENT ON THE MORTGAGE – this is by far the most important thing right now.  So when the car is paid off next summer (or even with the tax money) we’ll hold on getting a new car until the following tax time so we can be without a car payment for awhile or until the damn thing dies, whichever comes first.  Hoping we make it until tax time 2015 vs. the car dying on us sometime next year…no I am NOT happy about this, but alas it’s for the best…

Alright, so here we go:

 $181.01 Remaining from W/E 11/24/13  $417.09 Lara W/E 12/01/13 Salary, Pay Date 12/06
 $86.62 Amt. Spent  $330.62 Jimmy W/E 12/01/13 Salary
 $94.39 Avail. Starting  $747.71
 $5.35 PetsMart  $94.39 Avail. Starting
 $0.65 KTC  $747.71 Total Pay
 $23.01 Once Upon a Child  $842.10 Avail. For Bills
 $21.54 Michael’s
 $4.67 McDonald’s
 $31.40 Wal-Mart

We did spend WAY too much – but we did get some items required – Once Upon a Child was a new dress for Ashley to wear on her Birthday/Christmas, a very pretty Red/Burgundy Velvet dress with a black/silver cowl sweater, it’s soo pretty! I still need to get her some shoes to wear with it; and then Wal-Mart was a new toaster (ours died) and my very first Iron (for GS Patches) and then the Michael’s purchase is listed above.

 $289.00 Comfort Pro
 $70.00 Brigades Boys & Girls Club
 $200.00 Groceries
 $25.00 Dinner, 12/06
 $40.00 Gas
 $25.00 Cat & Dog Food
 $25.00 Jimmy’s Money
 $5.00 Tate & Kirlin, 12/10 Auto-Draft
 $100.00  CFPUA
 $20.00  Check Order
 $43.10  $43.10
7%  $3.02
 $3.02  $40.08

And with the lump sum cash withdrawal – I had to pay Brigades with cash as my checks haven’t arrived yet and I am OUT – so I just added that to the weekly cash withdrawal and used it…

 $289.00 Comfort Pro
 $400.00 Cash for the Week
 $5.00 Tate & Kirlin, 12/10 Auto-Draft
 $100.00 CFPUA
 $20.00 Check Order
 $3.02 Merrill Transfer

So next Weekend things will be slightly different as we have Ashley’s birthday party on Saturday night – we’re doing a sleepover so it shouldn’t be more than about $75.00 for Pizza/Drinks/Plates/Napkins and we have movies and such.  She wants to have a Brownie vs. a Cake so making a brownie will be easier, and if we get some ice cream we can make brownie sundae’s with the girls.

Then the following weekend we are MD Bound (hopefully) for Christmas! I am soo thrilled about that, but I cannot believe beyond anything that Christmas is that close! Seriously NEED to get some shopping done for the kids LOL!!

Alright I’ll stop rambling!  TTFN All!