Archive for the ‘Financial Picture’ 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!

I am exhausted!

I have found that riding the bus everyday to and from work makes my days three hours longer than the work-day itself.

Example:

I have to be at work by 9:45 am – I have to leave the house by 7am to catch my 1st bus at 7:20 am, then a connector at 8:00 am arriving at the shopping center where I work around 8:45 am – if i leave at 8:00 to catch the 8:20 am bus I risk the connector being late and thus in turn being late for work (the buses here are NOTORIOUS for being unreliable and consistently OFF schedule)…so instead I get there early – sometimes I go to the break room of my store and hang-out other times I’ll head to Starbucks and borrow their internet while having another cup of coffee.

Then when I get off work at 6:15 like I did today, I caught my 1st bus at 6:45 and the connector at 7:15 getting dropped off around 7:35 and home around 7:45 – talk about a SUPER long day.

I am both mentally and physically exhausted.

Last paycheck I wasn’t able to put aside any money, I actually had to pull funds from a savings account to cover our financials for the two week period – still getting used to this bi-weekly pay schedule.  I did send $200 to Progress Energy for our electric bill and had some other items auto-draft.  I also cancelled my Personal Training contract and put a timeline stay on my gym membership (which will continue to draft) in an effort to save some money.

Anyhew – we’ll get there, hopefully sooner rather than later.

I am rambling – can you tell I have a LOT Of mental downtime on the bus?

So ya’ll all remember Silver…how could you not, she’s gorgeous!

Silver

And I am STRESSED! We’re once again behind on our payments and it’s just a matter of time before Regional Acceptance comes to snatch her again…this time though we’re just gonna have to let her go…this seriously breaks my heart.  I adore this van, she’s reliable, runs well and has no mechanical issues…

I am trying to figure out what we’re going to do from here on in – I am SO not looking forward to another beater – but alas it seems to be my lot in life…a beater. I’ve been digging on Craigslist and all I am finding under $1,000 are vehicles in need of repair – missing this or that – well over 100,000 miles on them – ugh.  We can’t swing a car payment right now, so it’s what I’ll need to do.  How does one justify this?  We bought Silver when we had more steady income – now we’re down to a $9.00/hr job and no income from my hubs.  We’re hoping and praying for a miracle in terms of his disability, but even then it won’t be enough…geez.

So to say I am stressed about the whole situation is a VAST understatement.  Getting to and from work will be busing it until I figure out a more permanent solution.

And, to top it all off I dropped my hubby off at the hospital yesterday afternoon to get his legs looked at and get him back on his meds…we’re waiting for answers there, nothing has been figured out other than a series of tests.

Anyhew, that’s where we’re at right now…went and had dinner with my parents tonight for my Mom’s birthday and had me a HUGE alcoholic drink and I am feeling miserable, lesson learned.  I could rant and rave for hours, and it wouldn’t solve anything.

OTB Drink

Taking Suggestions!

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.

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…

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…