Posts Tagged ‘Animals’

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!

Money-Flying-out-the-Window_2

Well there’s that – the last of the tax refund is GONE…Ugh…so wish we could have made it last  longer again…keeping it on hand 6-Weeks isn’t terrible – but we could do so much better –  someone PLEASE next year SMACK me clear across the head to hold onto it for a longer  period…let’s see what did we spend it on:

  • Sadie’s Adoption Fee x $200.00
  • Sadie’s Necessities x $144.26
  • Nixon Veterinary Needs x $225.00
  • Down Payment on Car x $470.37
  • Bills x $500.00
  • Misc. Spending x $1,175.13 (this includes some purchases for the animals, including a new tank for Smaug, Heartworm/Flea Meds for Nixon, Ear Infection Meds for Nixon, etc.)

We TOTALLY were not smart with the money – DAMN I am not happy about this – we spent more on our pets this year than year’s past, which I am somewhat ok with, but not at the same time if that makes any sense…so here we are no refund left and getting back to things as per usual…life sucking as it usually does for us financially…can we tell I am SO not in a good place in my mind in terms of our finances??!?!

I THINK the only positive is the new van – Can I just say that I am TOTALLY in LOVE with my new Van!!! It may be 9-years old and have 109,000 miles on it, it runs great and I just LOVE it!

Money Burning Hole in Pocket

I think this sums  it up – we burn it up – it literally burns holes in our pockets…this has been a  consistent problem for me since I first started working – I’d cash my paychecks and BAM they’d be  spent within a day or two, smart saving has always been an issue for me – I’ve never been able to  really hold onto money before – I think that’s what our overall problem is with our finances…I  sincerely need someone to take my money control out of my hands so I no longer have this issue –  I say this because theoretically we make enough money to pay all of our bills, BUT we spend way  too much on fruitless, needless purchases…I can’t seem to stop…the sad thing is I recognize this  and yet I continue to make the same mistakes time and time again…

This week is no exception – I haven’t balanced the checkbook in two weeks (HUGE MISTAKE) I know and I’ve paid the bills based off of the project budget without actually accounting for everything we’ve spent, so I ended up over-paying the bills and not leaving enough left over for a check that’s pending – so I had to drain our Christmas account to cover that check…while I am ok with the fact that we had that money sitting there – I am NOT ok with draining that account considering it’s taken me so long to save that money…so here goes, critiques on the budget would be helpful…

 $390.35 Remaining from W/E 03/02/14  $425.92 Lara W/E 03/09/14 Salary, Pay Date 03/14
 $119.08 Amt. Spent  $199.01 Jimmy W/E 03/09/14 Salary
 $271.27 Avail. Starting  $624.93
 $15.00 Savings for X-Mas ’14  $271.27 Avail. Starting
 $5.00 To KTC Acct  $624.93 Total Pay
 $3.41 Chick Fil A  $896.20 Avail. For Bills
 $2.93 Chick Fil A  $100.00 In From Christmas Savings
 $10.33 PCJ  $996.20
 $8.83 Incredible’s Pizza  $150.00 Bill Cleared From W/E 03/02
 $29.80 Wal-Mart  $846.20
 $7.14 PetsMart
 $28.44 Target
 $3.40 KTC
 $4.80 Target
 $119.08

I am going to highlight two items, the $29.80 at Wal-Mart and the $28.44 at Target are mostly clothes purchases – my son has outgrown every pair of jeans he owns apart from like 1 pair, so we’re replacing his jeans – I went to the kids consignment shop I generally frequent and they’ve PULLED all of the winter attire (um last I checked it was still cold outside…so they had NO jeans on their shelves) and we had to pay full price for two new pairs of jeans for him; plus I purchased a shirt and a pair of tights for myself – having lost 42lbs my wardrobe too needs replenishing…

 $846.20
 $111.00 Great Lakes, 03/17 Auto-Draft
 $735.20
 $5.00 CCA, 03/17 Auto-Draft
 $730.20
 $19.99 Planet Fitness, 03/17 Auto-Draft
 $710.21
 $40.00 Brigades Boys & Girls Club
 $670.21
 $200.00 Groceries
 $470.21
 $25.00 Dinner, 03/14
 $445.21
 $25.00 Jimmy’s Money
 $420.21
 $40.00 Cat & Dog Food
 $380.21
 $85.00  LAS Financial
 $295.21
 $40.00  Gas
 $255.21
 $21.75  Nixon Needham
 $233.46
 $150.00  Citi
 $83.46  $83.46
8%  $7.25
 $6.68  $76.21

So there we are…I am NOT happy with how this has panned out…so suggestions would be welcomed!

Hope everyone has a good Tuesday!

Images borrowed from:
http://www.siliconvalleyandbeyond.com
http://www.sharonoday.com