Archive for the ‘Financial Organization’ Category

Today it finally happened – Silver was repo’d – we’re back to square one – no vehicle – no transportation, no nothing.

We’ve been down this road before – once many years ago our Pontiac Vibe was Repo’d and we went five months without a vehicle – it was difficult and we had a very hard time finding work due to the lack of reliable transportation.  So now we’re trying to figure things out, slowly.  We’ve outlined a plan using my last two checks as a basis for the budget so we can ensure we have funds every month with some leftover for saving for a new vehicle.  We’re looking for something decent – and something we can pay cash for – last time we had a group helping us – this time we’re on our own.

I have also dictated to my husband that now we’re out of a vehicle we need to talk about replacing our washer/dryer so we can run laundry.  Ugh.

It’s become so overwhelming in the last couple of weeks – and its finally come to a head….

Wish us luck!

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So I thought I’d try and share an update on where we’re at with certain topics I’ve discussed here…

The Mortgage – the State and the Non-Profit came through for us – we were awarded a 5-Month Period of Payments on the Mortgage, we’ll pick back up in January 2017.  That being said I am seriously scared to death on what’s going to happen come January.  The non-profit contact did tell us that we can apply for some sort of “gap” funds…whatever that is should our situation not change.

My Job – I was hired on Part-Time with a Southern Retail Department Store – initially I was in the Fine Jewelry Department, but the Part-Time hours just weren’t enough.  So after discussing it with the counter manager we put my name into the pot to move into the Ready-to-Wear Women’s Clothing Department, FULL-TIME! I actually got my benefits packet in the mail today,  WooHoo!

With that being said – Insurance – We applied for Insurance through DSS sometime early last month for my husband and I – and we found out today that we were approved, WooHoo!! So I might hold off on enrolling in benefits through work (medical at least for now) to conserve some funds.

We also started the process for my husband’s Disability – the paperwork has been sent back in and he’s had his physical – they called today to clarify some things and then stated more paperwork is headed our way for him to complete – we really NEED this Miracle.  So hoping they approve him so we can get some stability – though 9 times out of 10 the applicants are denied the first go-round…we have until January…ugh

The other item we need to decide on is Silver…she’s really more than we can afford each month with her $540.00 payment – $273.00/mos insurance – and Gas…so we’re trying to determine what we’re going to do with her.  As much as it would break my heart to part with her, I can’t seem to see us being able to continue to pay for her…

The other upswing in our household is that about two weeks ago we adopted a new baby girl for my Son – I took him to PetsMart and we found him a new baby, we welcomed Josina (now named Sakura) into our house – she’s a four month old little lady whose just made herself to home!

And yes I am still cruising through my Cook/Bake from Scratch journey!  More of that to come!

So just a quick update on things:
1.Disability application has been submitted – we’re waiting on SSI to call and schedule my husband’s appointment with their doctor.
2. We have received the funds from Wells Fargo,  – we lost both electric and water last week and an angel paid those bills for us – I’ve paid our angel back and sent a payment to Silver’s finance company.
3. Tomorrow I am going to go and get her inspected and re-registered.  Then I’ll need to call the court in the county where I got my ticket and see what the next steps are to clear the ticket.
4. The Non-profit will get their gap funds tomorrow and then they’ll move forward with closing.
5. We’re still waiting on DSS to let us know about Medicaid for Jimmy and I – seems his legs aren’t getting better, and in fact he’s having similar pain issues like he did when a blood vessel burst all those years ago – and now my jaw on lower right side is aching like there’s no tomorrow – when I had my tooth out on Veteran’s day the dentist wanted to root canal two teeth on that side and I said no as I couldn’t afford it…ugh…
6. Have an afghan ready for delivery and for final payment to be made. Isn’t it pretty?!?!?
7. I have another Dobby order..coming on the back-end of an order for two together!
8.  I have also been offered full-time work with the retail store I have been working for lately! I start 7/3 in another department!! YAY!!!
Things are moving forward albeit slowly.

I seriously feel like I need to play the role of Ebenezer Scrooge when it comes to our finances – hold every penny earned close to my heart and not let it go unless ABSOLUTELY necessary – never having fun – always pushing friends/family and events off to the side.  We’ve been hit from every angle as of late and frankly it’s getting old!

So since my last post let’s see what’s happened:

Silver’s repairs FINALLY wrapped up with a $250.00 deductible being paid out of our Merrill Account, and the rental cost was $754.53 for the 37-Days it took to get the repairs completed.  Ugh. I did send a copy of the receipt with an email style invoice to the repair shop requesting reimbursement for the rental cost as it exceeded the estimated number of days they told me repairs would take.

So that left us with none of our tax refund left – the remaining balance went to buying groceries/gas and basically supporting us for the last month while I looked for work.  I did manage to find a part-time position at a major department store retailer in the South and East working in Fine Jewelry, so not terrible. But it pays $9.00/hr maxing out at 24.0 hours a week until a full-time position opens.  Joy!

In the meantime we’ve re-done our food stamps and now have more money in Food Stamps every month to help us pay for groceries – the mortgage is still in process, need to check-in there and find out what the status of that is. Hubby went back to DSS yesterday to apply for Medicare to be told that the state no longer covers adults like they do children, SO he was directed to Soc. Security to apply for disability in hopes they can get him the coverage he needs for his heart issues.

Otherwise, we’re down to our last $100 until I get paid Friday…fun right?!

So that’s that ya’ll!

Ugh…mixed emotions right now..

In the 1st quarter of 2016 we have experienced more loss than any other year previously…let’s list them

  1.  Silver was Repo’d – we fundraised and got her back
  2. Burned my hand – out of work for 4 days for recovery
  3. I was let go from my position at the outage – hours cut – found a new position immediately.
  4. I got a speeding ticket – forgot about the court date and have to take time off of the new job to go to court to take care of it
  5. Got into a wreck and Silver’s now at a body shop getting repairs – paying for a rental at a reduced rate
  6. Lost the new job I got today – was told budget cuts – ugh

It’s been an up and down year for sure – I am not sure how I feel about the job situation – I was placed as temp with the Housing Authority – worked well with the Section 8 group and the Director asked me if I want to stay, tell her yes I like my work, like the people and would love nothing more than to stay.  So she and I agree that I’ll work primarily in her group but be shared with other departments – on Friday I head to the other dept. and they send me out of the central office to one of the public housing offices to work with them – they tell me I’m the new assistant at a community and I essentially got a promotion – so I call the temp agency and tell them what’s going on – they ask me if they need a replacement for me at the central office, told her to talk to the HR team and they could let her know – two days later just as I was just getting my feet wet and learning the ropes when BAM today they tell me that they no longer need me…ugh…is there a connection there?!?!?

The foreclosure is pending – the non profit has been asking for more and more paperwork as the days go on – its with their underwriting group so we’re waiting on a final decision from them.

Hubby is still unemployed and hasn’t had an interview in something like 5 months – I am curious what the hell we did to piss off the fates at Christmas – all of this jazz went down right after Christmas – WTH?!?!?

Can I pop into my delorean and redo the last 15 years financially so that I don’t make ALL of the financial mistakes I’ve made?  I wouldn’t give back my hubby and kids, but I might undo the roommate we took on when we 1st got our apartment – undo the lack of savings from day 1 – undo some of the mistakes I made when I was at my 1st job – there’s a lot I’d redo for sure…

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 Thursday Morning One & All!

Sorry I didn’t get on yesterday – took the day off and spent it running around town with my hubby! Tried to get a traffic ticket (speeding) resolved, but alas I mis-read my own notes and ended up getting there after the allotted time – SO I’ll try again next week – I have until the 24th.

Anyhew, here’s the breakdown of this week’s spending – seems we went a tad overboard – but we had a lot of errands on Sunday to handle and that’s where a lot of our spending was – throughout the week too – we spent more than we should have – more of those one off stops for groceries.  Ugh.

Anyhew, here we go

$540.00 – Regional Acceptance – I put back into play the other allotments of $180.00/each and paid Regional for March’s payment.

$32.95 – Banfield Wellness Plan

$100.00 – Dad (final Progress Payment)

$25.19 – BP Oil – Gas for Silver

Total Bills: $698.14

$13.00 – Amazon.com – My hubby ordered me a very nice Bamboo Crochet Hook

$37.67 – JoAnn’s (YTA Creations Supplies for Order)

$12.47 – Paypal (Clay Handled Crochet Hook)

$9.52 – Ship & Mail Plus

Total for YTA Creations: $72.66 (Rec’d Payment of $22.00 for Etsy Order)

$6.69 – Tommy’s (Cig’s for Hubby)

$27.01 – Amazon.com (Trumpet Cleaning Kit for my Son)

$29.98 – Kwik Kuts

$1.04 – Target (Lotion)

$16.23 – Wal-Mart (Umbrella for James)

Total Misc. Spending: $80.95

$18.36 – Harris Teeter

$6.60 – Safeway Food Mart

$30.26 – Food Lion ($10.26 = Groceries, $20.00 = Cash)

$194.96 – Wal-Mart (Groceries + Shoes/Socks for Ashley)

Total Groceries: $250.18 – $20.00 Cash = $230.18

$5.34 – Amazon.com (Minions Movie)

$3.20 – Amazon.com (Ice Age Continental Drift Movie)

Total Entertainment: $8.54

$1.59 – Cigarette City (Drink for Hubby)

$10.09 – Wal-Mart (Breakfast for Kids)

$6.26 – Port City Java

$33.00 – Papa John’s

$4.23 – Gold’s Gym (Smoothie)

$20.02 – Wendy’s

$2.12 – Wendy’s

$9.00 – Impact Nutrition

$15.94 – Chipotle

Total Dining Out: $102.25

$374.48 – Best Buy

$223.70 – Target

Total for New TV for House: $598.48

I honestly am surprised at how much we’ve spent this week – but now that the bills were caught up and we just have the ticket & taxes on Silver to resolve we felt comfortable going ahead and getting the new TV.  We wanted a 40″ one but the color was not up to par with what we thought was good quality – and Target/Wal-Mart and Costco all had the 40″ one for roughly $359.00, so we wandered into Best Buy yesterday to ask questions about how a Smart TV works (yes we were still on a tube TV) and ended up finding a 43″ one for the same price as the 40″ one and better quality picture, so we went with that one.  We knew the TV stand we had wouldn’t work for either one, so we bought a new stand for $199.00 at Target.  We’re pleased with both purchases and know they’ll last us forever!

So that’s where we are this week!