Archive for the ‘Money’ Category

Well its been about a year and man have things gotten chaotic – last summer sucked to say the very least – the much anticipated job at the international pharmaceuticals company fell through and I was let go and man we hit rock bottom; literally, all the money was gone and the food and my sanity was pretty much gone.  Thanks to my husbands church we somehow managed to get through before we received our food stamps, my medicaid, and UI.  That 6 weeks was probably the longest six weeks I’ve had in a very long time.

Towards the end of July last year I accepted a position at small local electrical contractor as their office assistant, the position is 40 hours a week and pays me $13.00/hour.  I am happy – the stress levels are low and I have all of the benefits a normal employee would have.  Paid holidays, PTO and eventually a retirement plan (have to be here 2 years for that one)…we’re somewhat stable and doing ok.  Money is still very tight and we somehow manage to save a little every week to pay ourselves.

Ok so the nuts and bolts of everything:

Hubby is still on disability – he brings in $1,164.00/month

I work FT – my income is $2,210.00/month

I make sure I pay at the beginning of each month the mortgage ($810.00), the electric bill ($150 – $200.00/mos), my three credit cards (Belk CC, Hot Topic CC, and a General Credit One CC; $45.00/ea x 3 = $135.00) – thankfully my husbands SSI money covers pretty much all of this!!  My money usually will cover groceries that 1st week of the month and my son, man who is 16 now eats more now so I spend roughly $225 – $250.00/week in groceries.  CRAZY!!!

My next paycheck will cover the car insurance, $71.00/mos and if we owe money to the water company, next month another $91.00.

Week 3 brings in a monthly auto-draft to the hospital for a trip to ER when I burned my hand last fall, $15.00/mos and then 1/2 of the cell phone bill, $115.00.

Week 4 pays out Hulu ($12.89/mos) and Netflix ($9.62/mos), another bill to the hospital for something else, $15.00/mos auto-draft.  We also owe money to Delaney Radiology for an ultrasound I had to have done last year my insurance didn’t cover, $20.00/mos and we’re paying off replacing the compressor on our A/C unit at home, $25.00/mos.  And, if there’s anything left over the other 1/2 of the cell phone bill, $115.00.

Ugh it’s a lot.

Every week we average $250.00/week in groceries and about $30.00/week in gas.  We also save, $15.00/week which is auto-transferred to our savings account – we’ve used this money to purchase a new couch and chair for our living room.  Right now we’re living off of that money.

We don’t do a lot of fun activities but my kids are perfectly content to stay home most of the time; the 16 yr old just finished drivers ed and will be getting his learner’s soon and a JOB! Something we’ve been working on for awhile – it takes awhile it seems to get kids jobs.  My 14 yr old will be starting marching band in August with the high school, so there’s those expenses we have to now pay.  Including getting her a flute – she’s used a school flute throughout middle school – well in HS she’ll need her own – rent to own here we come 😉

Anyhew, that’s us for now – we breezed through our tax refund this year – but that’s a post for another day!

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It’s time for an update.

And, man we have been busy!  Both personally and financially!

When I last posted things were on the upswing – we’d just received our taxes and were planning on what to do with them.

Well, the long and the short of it is this – we used the bulk of it to pay bills, pay off my truck and get our daughter’s room re-done! She’s thrilled with the final product as are we!

Before:

After:

She chose the colors and we ran with it!

Then once that was done, my hubby and I were chatting about the trip we were contemplating taking and ultimately decided we had the funds, so why not do a BIG vacation – so after weighing the costs with the pros & cons we booked a 5-Day 4-Night Trip to Universal Studios Orlando Florida!

We took this trip in October 2017 and had a BLAST!

But first we took two shorter trips – 1st the MD to visit the family and then my daughter and I went to Great Wolf Lodge in Williamsburg, VA with our Girl Scout Troop.  This trip was mostly funded by two years worth of GS Cookie Sales, so I was responsible for food, transportation, and souvenirs!

We had fun on both of these short trips!

BUT the big one was obviously much anticipated!

 

Just a few of the 100+ shots I took!

BUT I have to say the biggest news is that I was finally able to leave my retail job behind and took a FT Office Job in June at an International Pharmaceuticals Development Company – now it’s not all sunshine & rainbows – I am a contractor through the same company that placed me at the paper plant in 2015, meaning no paid time off, and minimal benefits.  Though they are working on getting this company to hire me on FT permanent which will give me those precious PTO hours I so long for.  The pay is $15.50/hr which is an uptick obviously from my $9.34/hr at the retail establishment.  Hours are M-F 8:30 – 5:30.  I did overlap sometime working both jobs to help pay for food/gas for our FL trip, but on 10/30 I said Good-Bye to my friends at the store and resigned.

While it was best for my mental health – the money coming in would still be helpful – BUT I didn’t want to do another Holiday Season.

So that’s the biggest news of all!

I know I have been scattered here, but life has thrown me major curveballs and I have been busy!

Good Monday Morning One & All –

So thought I’d check-in with a current status update on the Silver situation – we paid them on Friday – $2,035.00, yes you read that right – they quoted me $1,134.00 to get her out of Repo then because it took us a week to raise the funds required to get her, another payment posted, $540.38, bringing the total due to $1,674.38 and THEN there was Repo Fees Added in the total of $361.00 they failed to mention when we spoke initially.  Ugh add to that A $30.00/day storage fees x 12 Days = $360.00…I could just puke.

THEN THEN when I call them on Friday afternoon to find out where we were once it was paid they said they couldn’t release her until TODAY…sure it was 3pm on Friday, but STILL! They couldn’t be bothered to express the paperwork so I wouldn’t have to pay an additional $60.00 in storage fees.

I am so burned…I’ve filed a complaint with the Better Business Bureau and will be filing a formal complaint to Regional today as I feel they’ve taken advantage of our already precarious financial situation.

Oh and to add to it, hubby calls me last week on the 21st and tells me that our water was shut-off…WHAT?!?! Thankfully we have access to our shut-off and can turn it back on, but STILL!

I swear one more thing gets added to my plate I might just need an asylum…this is CRAZY!

So yeah that’s where we’re at…hubby went to the foreclosure hearing last week and it went as expected – we got on with a nonprofit that’s going to help us try and save our home – so that bought us a 60-day stay.  Otherwise, we’re probably going to see a power shut-off soon because every penny I have has been going to Silver this week…

Well tomorrow I start work for a new job.

This time as a contract employee for a Contractor at a Paper Processing Plant. Did you get all of that?

Doing timekeeping, being the face of the the Contractor with the client, and doing whatever administrative tasks as requested.

The company I am contracting with found me, how I don’t know, but they found me, everything happened real quick last week and tomorrow I start work.

They are paying me $16.00/hr with overtime each week, I literally have to be at work at 7am every morning and work a 10 – 11 hour day each day. So yeah we’re looking at what I was making + hubby’s salary each month just on myself alone – NOW this will only go through the end of May 2016 BUT it might be extended into the summer, just depends on the work requirements.

I am nervous for sure, I’ve never worked this kind of schedule, nor have I worked in this sort of environment before…so I am hopeful.

So that’s all!

Good Evening/Morning what have you readers!

I know things have been absolutely up and down lately but I have had a bit of luck, I applied for this position last week, got called by the staffing agency trying to fill it, and they brought me in, sent me to the customer and yeah well I managed to secure a temp spot!  It’s at least through the end of the year working for a State Government Agency literally 5 mins from my house! Oh yeah loving that part of it! It’s doing payroll work – timecard entry, tracking of deductions, etc.  It’s way more than I’ve done in the past, but I am confident I can handle it.  They are hiring for the position permanently – and they’d posted it last week – so I went ahead and applied Friday evening when I got home – will be shooting a message to the HR manager on Monday morning when I get into work.  I know I can handle the position, I know I can do it, there’s a LOT to learn but you know I already know how to do 1/2 of it…so we’ll see!

On the flip side though, last Wednesday morning before I started working we went to this Herbalife place we love and had some breakfast smoothies.  On the way out I grabbed a hat & scarf set I’d made to give to the owner, well not only did we get our smoothies for free she offered me a small spot in her store to sell some items! WHAT?!?! I am soo very excited! So I’ve spent the last three days crocheting up a STORM, I’ve made three more of the same sets, some rope scarves, one with a matching ear warmer, a Dobby the House Elf doll, a Christmas basket, and some cup cozy’s…I don’t have much in my thoughts, but I don’t want to make too much and have it not sell, so it’s a balancing act for sure.  So I am very hopeful that this will turn things around ever so slightly for us.

Still no decisions on how we’re going to proceed with the mortgage…but right now we’re in a holding pattern…

Well here we are Day 4 of unemployment…

Not overly happy with my current situation, but this week I’ve just tried my best to relax and just unwind some before jumping headfirst into the job search next week…

I’ve registered with NC Works, filed for unemployment, and have gone on one interview at a staffing agency, the rest of the week I’ve spent creating fun and awesome crochet stuff, hitting the gym and sleeping! Hee Hee guess that’s a good way to spend a vacation week, no?

Oh I have also scheduled my COPAT (Corr. Officer Physical Agility Test) with the Dept of Corrections, that’s scheduled for 11/19, giving me ample time to prepare for it.  There’s a lot of physical work I need to put in to get 100% ready for it, my trainer has offered to help me in any way she can, so I am just doing what I can on my own and will incorporate into my workouts what she suggests.

Next week, I jump in full force, taking my turn looking for work in the afternoon, going to the gym, and planning Girl Scout meetings for my Brownies’ badge work, all the while also working on fun crochet stuff – see a theme here?! LOL!!!

Anyhew, tomorrow my severance, bonus, and vacation time payout hit my bank account, so we’ll be living on that money for awhile, next week we also have to go to DSS to submit more paperwork for the kids’ Health Choice and see about bumping up our food stamp monthly allotment from $258/month, to more now we’re down to just two Unemployment Incomes per month instead of one + a salary.

Figured I’d drop in an update…nothing really earth shattering has happened since I walked out of my office for the last time last week…can’t turn my work brain off though…really hoping the replacement is doing what she’s supposed to, and that my poor co-worker they had me cross train isn’t dealing with her too much…will send her an email tonight to say hey and check-in…can’t just shut-off five years…

Also, please remember you can get personalized hand crafted Crochet creations from my Etsy Shop!

Click on the image below to connect over!

Yarn to Afghan Creations (1)

I put this on Facebook just a few minutes ago

“Severance Letter coming today…this is really happening…ugh I don’t know why but I was kind of hoping my company would realize the error of their ways and ditch this chick who is totally UNFIT for the job and keep me…but alas, not happening…it’s all for the better right?
Let’s just hope we don’t end up homeless and living on the streets with 5-furbabies…that scares me more than anything.”

The amount of fear building up inside of me is insurmountable…I am so worried about what’s going to happen with us, our kids, our furbabies, and everything in between.  With Friday being my last day – and my replacement being completely inept I am just hopeful that there’s a bigger reason behind all of this.

My husband hasn’t had an interview or a bite on his resume in a couple of weeks.

I am going to a staffing agency next week…but the likelihood of something coming out of that is nll…my pay scale is a lot higher than what they’d be able to offer me, right now my minimum is $17.00/hr.  And anyone who is hiring for an Admin in my area is going to be offering a minimum of $8.00/hr capping out at $12.00/hr, which with the amount of experience I have is an absolute INSULT! Ugh…

So with that being said…let’s let the anxiety attack happen!

We’re behind on EVERYTHING except Banfield for Sadie, Gold’s Gym, and State Farm which are all on Auto-Draft from our bank account – we’re on shut-off from the electric company, we paid 1/2 of our past due balance for AT&T yesterday, sure CFPUA will be sending us a shut-off notice at some junction too…we have to eat as well…ugh ugh ugh…

ANXIETY

ANXIETY

ANXIETY