Archive for the ‘Budgets’ Category

So I know everyone is just itching to know how things are going – nothing has changed work-wise for me – still working the retail job and its going well, we’re getting into our busy time of year – albeit slowly – so things are cranking along well there.

Still do not have a car – ugh – and the public transportation system in our area is just forming a more and more sour taste in my mouth – they seriously need to work on getting their ish together, it is near impossible to hold onto steady riders, who also need to hold onto steady jobs, with the crud schedule they are running.

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Lastly, some good news 0 my husband was APPROVED for his disability, to the tune of $1,107.00/month, WooHoo!!! So stoked about that!  Our plan for now is to pay down the utilities and then use what we can afterwards to put toward the purchase of a vehicle. I am adamant that I DO NOT want another car payment, just gas and insurance every month.  So once tax season rolls around we’re going to put together what we’ve saved with some of our refund to pay cash for a vehicle.  We’ll also need to set aside some money for the taxes & registration.  I am hopeful we can also find someone reliable to give whatever vehicle we have considered a once over to ensure mechanical stability.

So that’s where we’re at right now!

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So once again we’re in the position of being near broke, unstable, and trying to figure out ways to stay entertained all the while getting out of the house!

I am first going to share this link, from the blog, A Sip of the Good Life, she discusses ways to get out and about all the while spending less than $20!  Personally, I prefer to keep things cheaper and if at all possible FREE!

So what do we do?

Well in the lovely city of Wilmington, NC we have several parks right on bus lines and one right within walking distance of our front door – going to these parks is Free so when it’s nice and we don’t have other errands to run we can always go the park!

playground-greenfield-lake-in-wilmington-nc

Closest to us is the historic Greenfield Park – with a playground, an ampitheatre and walking trail that is 5-Miles long Greenfield is a great way to spend an afternoon! Of course they also offer paddle boat and canoe rentals, but you can walk around the entire lake for FREE!

Next if we choose to hop on a bus we can visit either Hugh McCrae Park with several playgrounds and its own walking trail or we can go to Halyburton – which also offers a stunning nature walk!

riverwalk-at-dusk

Image Borrowed from Wilmington, NC Government Page

Then again sometimes we don’t want to venture too too far from home, so we opt to head downtown and cruise the Riverwalk – usually wrapping up our visit with some ice cream from Kilwin’s usually this will cost us somewhere in the neighborhood of $25 for all four of us, but it’s worth every penny!

kilwins

We will also go over to the shopping center where I work, an outdoor mall called Mayfaire Town Center – with a Michael’s, Barnes & Nobles and two dozen other shops and restaurants there’s never a chance to be bored for sure!

Now sometimes the weather doesn’t permit us to venture outside – so we then go inside and wander the mall, grabbing a coffee or a drink from the food court and doing some window shopping.

So then what if we want to remain home?  Simple – we’ll make some pizza and chill at home watching one of our 400+ movies! Its just simply too expensive to go out to the movies these days, thus putting this bit of entertainment out of our fiscal reach!

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For other financial planning advice, visit Personal Capital to enjoy some amazing tools!

So to Speak…

I have so much in my brain right now – I’ve discussed where we’re at with the Mortgage and the van – and we have that underway.

The mortgage is in a holding pattern until the funds from our 401K arrive via Fed-Ex after it’s sent – the NCHFA has told us that we’ll have the funds forgiven after 10 years in the home – I really hope that we’re successful in paying the mortgage ourselves after their support runs out after 18-Months.

However, today I received the paperwork FINALLY from Wells Fargo to close my account – I sent an email to the HR Team of my previous employer requesting they complete the paperwork and send it back to Wells Fargo as soon as they can so I can get this money quickly.  So now we wait…as per usual.

Bonus, though today we got a call from DSS telling us we qualify for Family/Adult Medicaid through the State so we can get medical insurance.  YAY! My husband has been experiencing random low grade to somewhat highish fevers and I am really worried about him – BUT we’ve been unable to get him to the Dr’s to get it looked at.  And, he’s been unwilling to go to the hospital to get it looked at, and I understand that, ER’s are not clinics and not the place to go for medical attention.  So tomorrow, off we go to DSS to get this application in.

I was told today that another manager in my store is looking for someone Full-Time in two of her departments – she’d already offered me extra shifts and I am going to take them – however, my counter manager told me to talk to this other manager about getting a full-time position with her.  I am considering it because we could definitely use the money, and its looking like my future is bound within the walls of the store…for now at least as I am having a very hard time finding work outside of the store. Been looking for a couple of months now with no luck…so yup.

I am also considering undertaking a change in our diet – recently one of my favorite author’s has started on her blog a series of posts about Depression Era Eating and cooking.  She’s listed those items to store in bulk and now I am thinking about how to outfit our kitchen to accommodate bulk dry goods in my kitchen. (her initial post is here, Food Frugality in the New Depression) – it’s a 12′ x 12′ square with one wall of cabinets interspersed with my stove, sink, and refrigerator

The other side of the cabinets is the same, and on the 3rd wall is a steel dog crate for Sadie.  So now I have to get creative, maybe using some shelves and the real estate on the floor by the other wall on the other side of the kitchen next to the living room…

I think doing this would allow us to save some money at the grocery store – just because we’re on Food Stamps doesn’t mean we have to eat like crud – we can use those funds to pay for bulk items at the store and eat well. At least that’s my thought…what do you all think? If nothing else the money saved will be helpful in paying for other items.

One is Silver – we’re considering selling her, as much as it breaks my heart – we cannot continue to pay her monthly payment, the insurance and gas – we’d need another vehicle so possibly going back to a buy here – pay here place OR buying something for cash.  We won’t get what we owe Regional for her – I am aware of that – BUT the bigger picture is that her monthly payment ($540.00) plus the insurance ($272.00/mos) plus gas ($140.00) is just too much for us right now on my $9.00/hr income…so we have to determine if that’s a viable option…

Ok I think I’ve offloaded enough…

WOW Ok so I vanished for a little bit – sorry life’s been crazy lately…got let go from the project I was working on – and got placed onto another temp assignment through a different temp agency at a local government agency.  Sadly, this one is making $12.00/hr at 37.5 hrs/week vs. the $16.00/hr for 60.0 hrs/week I was working. Sucks, but hey it is what it is…thankfully we have some of them refund left to help live on, and we are…

So here’s the breakdown in spending over the last two weeks:

$180.00 – Regional Acceptance P1

$180.00 – Regional Acceptance P2

Total for Regional Acceptance: $360.00

 

$31.00 – Bourbon Street Cafe, Lunch

$20.33 – Cook-Out, Lunch

$8.56 – Starbucks, Coffee

$33.97 – Mission BBQ, Dinner

$52.97 – Gold’s Gym, Smoothie Card

$7.00 – Impact Nutrition

$2.77 – Gas Center, Energy Drink for Hubby

$48.00 – Bourbon Street, Breakfast

$30.00 – Papa John’s, Dinner

Total Dining: $234.60

$1.00 – Lanier Parking, Downtown Parking

$17.00 – Claire’s Boutique, Earrings

$80.00 – Cash, $60.00 – New Phone & $20.00- Groceries

$5.34 – Kitchen Collection, Candy Thermometer

$5.34 – Cellular Express, Phone Case

$3.20 – Amazon.com, Movie Rental

$3.20 – Amazon.com, Movie Rental

$218.27 – Target, $149.99 Samsung Tablet for Hubby, $49.99 – Replacement iPod for Lara (Mine was stolen while my van’s being repaired)

$5.70 – Target, $4.00 – Prescription for Lara, $1.70 – Bottle of Water

$143.00 – Additional Week Rental Car

Total Misc.: $476.71

$11.55 – Food Lion, Groceries

$6.41 – Food Lion, Groceries

$10.84 – Lowe’s Foods, Groceries

$8.57 – Everybody’s IGA, Groceries

$182.11 – Wal-Mart, Groceries

$11.41 – Harris Teeter, Groceries

$10.79 – Everybody’s IGA, Groceries

$19.40 – Costco, Groceries

$10.66 – Everybody’s IGA

$6.27 – Harris Teeter, Groceries

$149.51 – Wal-Mart, Groceries

Total Groceries: $416.11

 

 

$22.45 – Hobby Lobby, YTA Creations

$11.84 – Hobby Lobby, YTA Creations

$13.46 – Hobby Lobby, YTA Creations

$15.50 – SkipStitch.com, Blade for Rotary

Total YTA Creations: $66.25

Been a full few weeks for sure – I’ve picked up a Smartphone FINALLY for YTA Creations, it’s on my Dad’s family plan, so I have to be extra careful about the Data usage – doing all I can to avoid using it, and sticking to the available Wi-Fi networks when I can. So thus the $60.00 for a phone, a friend of a friend found a used phone for me to get activated, so then I had to pick-up a case to protect it.

Find YTA on Instagram, Click Here Find all of my wonderful finished projects and works in progress on this site!

Then the funds at Target – ugh went to get my stuff out of Silver on Friday from the dealership and found my iPod was MISSING – I am soo aggravated by that – it was in there when I got into the wreck – and when I left it with the tow company the 1st time – there was items moved around on the console when I went in and that was the 1st hint that something was “off”  I am going to file a claim with the insurance company on Monday to hopefully get reimbursed for it, but I feel so very violated.  So I purchased a replacement one at Target and then we bought my hubby a much-deserved Tablet – he’s been looking at them and researching them for a while and he does so much for us, I figured it was high time he got himself something. We bought him a Samsung Tab 4, with an Android operating system – he’s still very much learning how to use it and is getting royally frustrated, but he’ll get it eventually.

So that’s where we’re at currently – waiting for parts to arrive at the dealership for the repairs to begin, they are just cosmetic, thankfully no mechanical damage was done to the engine.

Thanks for Reading my novel!

 

 

 

Good Wednesday Afternoon All!

WOW Been a Busy Week for Sure! We’ve had some changes happening here.

1st I was let go from the project outage – hours being cut, so naturally I was an easy choice.

2nd I was placed on a new temp job paying $12.00/hr. – a LOT less than what I was making at the outage.

Just thankful we have the refund to help us some.

So here’s our breakdown for this week

$34.22 – Music & Arts

$19.99 – Gold’s Gym Membership

$8.55 – Netflix.com

Total Bills: $62.76

$7.46 – Hobby Lobby

$7.08 – Ship & Mail Plus

$11.04 – Wal-Mart

Total for Etsy Order #2: $14.54 + $11.04, Addt’l Yarn = $25.58 with a $22.00 Deposit for Order Rec’d 03.15.16

$11.07 – Food Lion

$9.04 – Everybody’s IGA

$5.26 – Everybody’s IGA

$23.71 – Harris Teeter

$167.72 – Wal-Mart

Total Groceries: $216.80

$11.11 – Target, Prescription + Misc.

$11.77 – Once Upon a Child – Kid Clothes

$33.54 – Once Upon a Child – Kid Cothes

$53.17 – Wal-Mart, Misc.

$24.85 – Murphy’s Oil, Gas

$6.17 – Tommy’, Cigs. for Hubby

$49.22 – Clothes Mentor, L – Work Clothes

$17.80 – Sunrise Express, Laundry

$5.00 – Dr. Robbie Adams, Co-Pay

$208.57 -NC Courts, Speeding Ticket

$2.00 – Parking Downtown

$10.00 – Nintendo Digital, Game for Kids

$343.00 – Hertz Rental Car (see below)

Total Misc.: $776.20

$4.82 – PCJ, Coffee

$7.00 – Impact Nutrition

$10.86 – Kilwin’s Ice Cream

$12.14 – Kilwin’s Ice Cream

$28.00 – Papa John’s

$9.04 – PCJ, Coffee

$7.00 – Impact Nutrition

Total Dining Out: $78.86

Ok so in the middle of the week we also received our State Tax Refund, $105.00, so that’s been added back into our budget.

Explanation for Hertz – I was involved in another wreck this morning – this time it was 100% my fault – filed the claim with the insurance and picked up a rental car at their rate so we can still get to work, the gym, scouts and the grocery store.  The cost listed is a $200.00 deposit hold on top of my cost – which for a week is $120.00 + taxes/fees, not terrible in truth.  Final amount will be determined once the repairs are done on Silver.

Anyhew, that’s about it from us this week! One more large bill due, the taxes on Silver so we can get the tags renewed.  That’ll be next week’s payout, think I’ve spent enough this week.

 

 

So man alive 2016 has been a chaotic one at best.

First Silver is Repo’d – thanks to all of the generous donations we received we were able to retrieve her from Repo, $2500 lighter, but she’s back and we’re able to get around town – most importantly, get me back and forth to work.

All the while this is happening our water is shut-off, ugh I cannot even begin to express my frustration there – then AT&T shut us off – the pendulum is swinging hard one way for sure.

So then almost as soon as we’re clear there, I go and burn my hand – yup – 2nd degree burns on two of my fingers on my right hand – one trip to the local ER and then a trip to the Burn Center and UNC Chapel Hill and I am on the road to recovery.  Had to take two days off last week, but alas I am healing.  I worked a whopping 25 hours last week – and with the new insurance draft I was paid a whopping $61.12! WooHoo!!

Now though in the midst of all of this we managed to collect our tax documents and get our taxes filed, Thanks Dad!

Right now we’re getting about $5700.  Not too bad.

So our plans are such:

$1,000 to savings right off the top

$400 for a new TV

$300 for our daughter to attend camp – might be less if I can get her another Campership Scholarship.

$500 -? for a new washer/dryer – I am getting tired of going to the laundrymat.

$200 to repay my Dad – he helped us with an electric bill before Christmas and then paying him for the tax filing.

The rest will go to bills and carrying us through – we may take a day to go to Jacksonville and have one dinner out, we’re not 100% sure quite yet.

I am hopeful we’re able to stay relatively stable through the end of the summer…that might be too much to ask though.

 

 

Just when I thought we were going to be somewhat ok – I spent time planning out things financially – and BAM lack of communicating with the lender has lead to Silver being Repo’d…went to leave for work this morning and discovered she was gone…they’d come and taken her overnight…those louses…

So we’re not 100% sure how much is needed to get her back, but it’s going to be somewhere in the neighborhood of $1200 – $1300 – I’ve decided to start a GoFundMe campaign to beg for help

Please click here to donate

We really need our van so we can get around.  So I can get to and from work everyday.  I need my job.  This cannot be happening right now!