Posts Tagged ‘AT&T’

Well its early 2015 and we’ve already filed our taxes – so thankful for my Dad and for Turbo Tax – he patiently accepts all of our tax paperwork, asks for missing information and files our taxes for us every year.  Without him I’m pretty sure we’d end up at either WalMart, Liberty Tax, etc. getting them done paying too much to file them, so Dad Thank-You so very much!

That being said, we’ve received our refund from the Federal Government, this year we received $4,344.00 and somehow we owe the State of NC $51, so that will be filed and paid within the week – Dad suggested we wait until the last possible minute, but I want to make sure its paid when I know I have the money for it.

So now we’ve sat down and discussed how we’re going to spend it and allocate the funds – priority #1 was the utilities – getting current with them and paying them off, so here’s the breakdown:

 Utilities Due
 $                    450.00 Progress Energy Due 01.02.15 Paid 01.05.15 via Phone Pay, Conf# 06223256020515
 $                    157.18 Addt’l Progress Energy
 $                    173.91 CFPUA
 $                    147.45 AT&T Due 01.05.15 Paid 01.04.15 Via AT&T Website, Conf# 4LH7MYW9B045RH1
 $                    928.54
 $                 3,364.46 Remaining After Paying Utilities

Tonight, Thursday Feb 5th, our Electricity was cut off because of such a large past due balance, so we had to pay that and then some to keep it on – that payment was made over the phone tonight – tomorrow I’ll be paying the Water bill and the remaining balance of the Electric bill.

I then added in our projected income for the month and mapped out when the bills are due:

 Income for February
2/6/2015 2/13/2015 2/20/2015 2/27/2015
 $                    471.34 471.34 471.34 471.34 Lara’s Income (40.0 Hrs/Week)
 $                    269.02 269.02 269.02 269.02 Jimm’s Income
 $                    740.36  $             740.36  $    740.36  $    740.36
 $                 4,104.82  $          4,104.82  $ 4,104.82  $ 4,104.82 Remaining After Utilities + Income
 Bill Due for February
 $                    269.24  $             269.24  $    269.24  $    269.24 Regional Acceptance
 $                    430.07  $             430.07  $    430.07  $    430.07 CitiMortgage
 $                        5.00  $                    –  $            –  $            – Tate & Kirlin
 $                           –  $               33.80  $            –  $            – Music & Arts
 $                           –  $               19.99  $            –  $            – Planet Fitness
 $                           –  $                    –  $      57.97  $            – Oster
 $                           –  $                    –  $        7.99  $            –
 $                           –  $                    –  $      91.80  $            – Medieval Times Money for GS
 $                           –  $                    –  $            –  $    121.41 State Farm
 $                    704.31  $             753.10  $    857.07  $    820.72 Total Due for Other Bills

What’s kind of funny with Regional Acceptance is many years ago they financed the Alero I mentioned in my previous post about cars, see that here, so to be back with them is something I was surprised about when we got the payment paperwork earlier this week, but alas I guess there’s only but so many places that’ll finance people with less than stellar credit.

So then after the above was done, we mapped out our “Wish List” for the money with projected costs:

 Wish List
 Item Budget
 New Computer  $             250.00 to  $    300.00
 Clothes for Lara  $             200.00
 Jimmy’s Fun Money  $             200.00
 Kids’ Fun Money  $             125.00 $75 for Ashley/$50 for Austin
 Dinner Date  $             100.00
 Family Dinner  $             100.00
 Doggy Meds/Nixon Vet  $             150.00
 $          1,125.00

These are things we know for sure we want to do with the money – we’re going to give ourselves some “fun” money to play with and she $200 for my hubby and I will be used to replenish our wardrobes and spend as we need – we’re planning a date for the two of us – and then a shopping/dinner excursion to possibly Myrtle Beach to hit the outlets!  Should be fun! With my weight loss I know I need new Summer clothes – mainly work pants – some new dress sandals – new yoga pants – socks-undergarments, etc.  So I am hopeful I can find some reasonably priced items!

So then lastly we made a list of larger items we know we need to take care of in the house, those include:

 New Flooring for Front Hallway
 Ashley Metal Bed Frame – New Linens
 Austin Metal Bed Frame – New Mattress – New Linens
 Poss. New Couch/Chair for Living Room
 Rake, Shovel, Garden Tools
 Ottoman w/Storage Inside
 Carpet Cleaner Rental
 Sadie Teeth Cleaning/Nails

Fairly simple things – and whatever’s left will go into Savings.  We’re going to do our very best to stretch this money as long as we can to have that padding…gotta be smarter with it, its a larger amount of money than we’re used to seeing.

So that’s where we’re at right now!

Just to remind everyone – we were going through with our what? 4th Attempt at a Mortgage Re-modification, you can read about it in these posts:

Checking In…Where Are We…And Some Random Thoughts…
Thoughts on the Modification…
Well Here We Go Again…Into the Grinder of a Modification

So we got the letter from Citi yesterday and under the FHA Home Affordable possible (yes you read that right, possible) modification we have to first pay three (3) payments of $860.14/month with the first payment due 11/1 – YES in just two (2) weeks they want us to come up with $861.00! Um WHAT?!?!? I have other bills – including, oh I don’t know, EATING, due before that time…no I am not mis-prioritizing things, instead I have already scheduled our monthly car insurance, $81.72/mos drafting 10/24 first and then maybe, just maybe I could give up some funds toward this mortgage payment, BUT BUT wait for it – UTILITIES are due! Oh yeah those pesky monthly payments, right now we owe

Progress Energy (Electricity) $250.00

CFPUA (Water, Trash, & Sewer) $182.00

AT&T (Phone & Internet) $125.00

Grand Total Due: $557.00

Then you know the weekly expenses

Groceries – $200.00 x 2 = $400.00

Gas – $40.00 x 2 = $80.00

Cat & Dog Food – $40.00 x 2 = $80.00

Jimmy’s Money – $20.00 x 2 = $40.00

Friday Pizza Night (the cost of which is equal to groceries) $25.00 x 2 = $50.00

Brigades – $60.00 x 2 = $120.00

Mid-Atlantic Finance (Bessie’s Payment) – $75.00 x 2 = $150.00

Grand Total: $920.00

Between the Two: $1,477.00

Over the course of the next two weeks we’re estimating an income of roughly $1,630.48

That leaves what? $153.48

So where exactly can we afford $861.00??? Someone please tell me?!?!?!?

So here’s how this is playing out – today my Hubby is going to call Citi and see if in fact they need that initial $861.00 on 11/1 as the letter indicated, and if so then we have to figure out what our options are,

Option 1 hubby suggested taking out a small loan to cover the mortgage deficit over the next three months, so roughly $2,500.00 and that would only be done if the cost of the payments was reasonable – note this is NOT something I am on board with.

Option 2 would be the allow the foreclosure process to begin and pray we don’t get kicked out of our home for an extended period of time, allowing us to save money and rebuild our credit while remaining in our home.

Option 3 would be to walk away, find a cheap (ish) apartment here in town (so we could continue our current jobs) and move – this would mean a change in schools for the kids, which I don’t like but if push came to shove that’s where we’d go.

Option 4 would be file for Bankruptcy, he’s thinking Ch. 11 so that everything is put on hold for 5 or so years, but someone told me this morning that Chapter 11 is mostly for businesses…so not sure how this would play out.

Option 5 would be to bail on everything and head back to MD where we have family that can help us…

I don’t really believe we’re here…we try and we try to keep our head afloat, previously rent always took priority in our lives, but then again we’ve never been in a situation where we didn’t get paid time off and a stagnant salary…so now that’s changed some and I am hopeful that now we can work with the change in my income situation and prevent the losses of income.

On that note we did decide last night that we’re going to do what we can to bring in some overtime – for me I’ll log in an hour or two here and there on my rest and yoga nights and some on the weekends and he’s going to see about overtime in the salon at work just so we can bring in more income.



Spoke with my Hubby after he talked with Citi and as they’ve explained if, Yes the payments are due on the 15th of the Month like any normal payment plan for a mortgage, so that gives us 4-Weeks aka 4-Paychecks to come up with the $861.00 due or $215.25/week for this month and each subsequent month during the trial period.

At the end of the trial period HUD will step in an pony up our back-due amount, roughly $10K less the 3-Payments we’ve made and the monies currently sitting in our un-applied funds account.  IF we can make these three payments then and only then will the underwriters move forward with a HUD Home Affordable Modification with our final monthly payments yet TBD.

I’ve done out the budget for the first payment and I am not sure still about paying the utilities…but we’ll figure it out…

Thank-You to everyone who commented on my Blog Posts today – we’ve come to some resolution I outlined in post #2 -however, there are some items I need to clarify just so we’re all on the same page here

1 – With my hubby working in retail his schedule is extremely wonky and it changes week to week, we’ve talked about getting 2nd jobs it’s just not feasible w/the cost of daycare/babysitters being so high

2 – I don’t like the idea of being self-employed, working for myself, etc.  It’s just not something I am interested in doing, nor will I consider doing it

3 – Yes I have an MBA – BUT I am lacking the experience to back it, so I can’t use it…which sucks but it’s the truth – so that eliminates doing anything outside of entry-level/intern type work using it

4 – I am working more and more each day to transition to Publishing, the book I am reading right now Writers of the Future, Vol. 30 as presented by L. Ron Hubbard is a paid review and should it go well could lead to other work and other paid reviews (I hope!)

Right now we’ve scheduled payments to AT&T and CFPUA to make those two payments over the next 10-days

I think it’s time to re-evaluate the budget and pay closer attention to all the minor details.

Thank-You Again Everyone!

Earlier today I posted this post Have a Quandry  and I got a wide variety of responses from both Facebook and here on my blog – some suggested  changing our Internet/Phone carrier

“have you consider no contract phone like simple talk & virgin mobile? i have virgin mobile which i pays $38.11 per month. mostly use text and data usage.”

 Anyway, your AT&T bill is quite high for Internet and landline. I cut my landline cause it was costing me $45.00 per month.”

 I agree that AT&T bill is high. We pay Verizon the same as what your paying and we have cable. That’s without the special price we had when we signed up. My bill is $160 with tax for cable, high speed internet, and a landline. Talk to them about any specials that can lower your bill or change providers.”

“either way, the most important is finding a way to reduce cost. i have verizon fios internet & digital tv: $86.00. since you are loyalty customer, i am sure at & t will work something out.”

And maybe seeing if either CFPUA or AT&T would work with us – as predicted CFPUA was like “go away, you’re on your own” as predicted – they are a monopoly and no one has ANY control over them…so we have to pay that in full or they’ll shut our water off (not like we can’t just go turn it back on as needed, the cover to the switch isn’t locked)…and we’ll end up paying a reconnect fee of $55.00 – so after some discussion w/my hubby we decided to do two things:

1.  We are cutting back our grocery budget from $200 to $150.00 for the next two weeks to free up $100.00 to put towards AT&T.  We’re going to employ his employee discount coupon for either Sadie or Nixon’s food (same brand, one coupon, one bag) to get $10.00/off a bag of their food which’ll allow us to put that money back into the grocery budget.

2.  We split up the payments to AT&T into two, one $100.00 payment this Friday the 16th and one $50.10 scheduled for the 23rd.

This will prevent us from having our service interrupted and will allow us to also pay our after school care.

My hubby didn’t like the fact that our car insurance premium went up by almost double – so he’s called the insurance company and someone at our agent’s office said it didn’t look right – she was digging into it – she said it should have only gone up by a little bit, when they quoted me it was going to be something around $80.00 odd dollars NOT $128.00/mos…so we’re on hold with that situation – if that’s the case and it’s only $80.00/mos then we’ll have that $40.00 to put back into the Grocery budget.

So how did we encounter this situation?


The same way we ALWAYS do – we dared to go out of town and I lost something like 17 hours of pay over the course of two weeks – so that drastically cut into our income…thus the reason for the email to my HR Team I sent last week.  To which I am still waiting on a response, they are investigating it and should have an answer for me later this week *crossing my fingers its good news*

So that’s where I’m at right now!


Well here we go again – have two bills past due – the Water Bill ($191.16) and AT&T ($150.10) and not enough income this week to cover them…ugh if I pay them both then I won’t have enough to cover the after school cost which’ll bump that up to $140.00 next week – but I can’t afford that either because as it is I’ve had to push back the due date of my Student Loan draft from 5/17 to 5/24 to help cover the cost of these bills…so now what? What do I do now? Drain the savings to cover the day care? Or let one of the slide, maybe the AT&T Bill and we go without phone/internet for what two weeks…ugh…what if I need to work at home for some reason? I don’t like my hubby being at home without a working phone in case something happens (he doesn’t have a cell phone)…decisions, decisions, decisions…

This is part of my frustration with my job and lack of paid time off, I had to leave work early two days last week to attend to some Doctor’s appointments – one for Ashley to go to her therapist, and one for me for a shoulder injury – and I lost 2.5 hours of pay – which in the grand scheme of things isn’t terrible, but it eats into my pay and I lose that time + whatever over time I would have gotten last week.  Best I can hope is that my hubby’s paycheck is higher than it was last week to help cover some of that difference…




What would you all do?  I can’t sacrifice Grocery, Pet Food, Hubby’s Bus Money and the other weekly expenditure’s we have to cover this…


Oh yeah I am very excited with how our budget played out!  In the end we only spent $2.00 – oh YEAH $2.00 from our checking account from the time of last week’s budget until Pay Day on Friday the 11th! WHAT?!?!?! Sadly though hubby had to make some purchases Friday to get himself home/lunch, and those are going to show below, but we were able to stay out of the account! I am very excited about this!!

And, I finally took home to cash box to empty out and we had $52.64 in it! WHAT?!?! Yup! Roughly $15.00 of that was change, but hey I can’t reasonably fuss!  So when I added the change to what we already had at home; took that to a Coin Star machine and dumped it in we had $44.90 in change overall! HOLY FRIGGIN CROW! If ya’ll could have seen Austin’s face when he saw the number on the screen it was truly truly priceless LOL!!! Combine that with the cash we had I was looking at about $85.00! So off we went, picked my daughter up from a friends house and then over to Party City to get Costumes, and drumroll please…total cost for both $47.01 – next we hit my hubby’s work to visit with him and apparently the customer he was helping came in and paid him for the last two weeks’ work, adding $20.00 to my pocket cash on hand, made it about $65.00, roughly I didn’t count it right there in the store.  So off to Target we went to get some minor accessories for the kids’ costumes and a pumpkin carving kit, $21.02 there and BAM! Costumes are done for less than $60.00! BAM BAM BAM! I’ll take that! Pumpkins are next, coming this weekend! The kids are very excited to say the least!

All of the above happened after our trip to the salon (Ashley & I) and grocery shopping w/Gas we were well under budget on everything this weekend! So I am holding the cash until we purchase pumpkins and some socks for James and what’s left will go back into savings for Christmas!  That’s next on my ‘to do’ list, figuring out how much we’ll need for Christmas…fun right?!?! Jimmy & I need to sit down and figure that out.

Alright here we go, time is running low so I am going to put this out real quick before I have to head home for the day:

 $35.44 Remaining from W/E 09/08/13  $504.83 Lara W/E 10/06/13 Salary, Pay Date 10/11
 $18.20 Amt. Spent  $241.95 Jimmy W/E 10/06/13 Salary
 $17.24 Avail. Starting  $746.78
 $1.92 Office Max  $17.24 Avail. Starting
 $0.31 KTC  $746.78 Total Pay
 $6.00 PetsMart  $764.02 Avail. For Bills
 $5.77 Cigarette City  $2.73 Adj.
 $3.20 Dollar Tree  $761.29
 $1.00 PetsMart

i actually cancelled Austin’s appointment at OT on Monday as their insurance is still up in the air, Jimmy went back to DSS yesterday and submitted everything, our case worker told him she THINKS their insurance is still active through the end of Oct. but even still with the new pay stubs and our daycare costs being accounted for we re-qualify w/the annual deductible of $100.00, $50.00/child; So I am hopeful it goes through this time! Austin needs his Concerta filled ASAP! (no he’s not medicated, he’s been using some of Ashley’s old dosage in place of his own…I know we’re not supposed to do that, but I can’t send him to school un-medicated)

 $70.00 Brigades Boys & Girls Club
 $   – OT Solutions
 $200.00 Groceries
 $25.00 Jimmy’s Money
 $30.00 Dinner, 9/13
 $40.00 Gas
 $25.00 Cat & Dog Food
 $5.00 CCA, 10/14 Auto Draft
 $89.00 APM Int’l, 10/15 Auto-Draft
 $110.00 AT&T
 $111.00 Great Lakes
 $30.00 L&Ashley Haircuts
 $26.29  $26.29
7%  $1.84
 $1.84  $24.45

I budgeted just a tad, $5.00, more for dinner Friday night because we all were getting bored of Pizza so we opted to eat at the food court at the mall and it costs just a little more than the normal $25.00 we spend for Pizza, overall I believe it was something like $28-$29.  Ashley & I’s haircuts came in right at $30.00, so we’re all set for that for the next couple of months.

What I do wish was that my Great Lakes payment remained the $48.00 it was previously…guess the US Gov’t thinks I can afford more…UGH

 $70.00 Brigades Boys & Girls Club
 $  – OT Solutions
 $360.00 Cash for Week
 $5.00 CCA, 10/14 Auto Draft
 $89.00 APM Int’l, 10/15 Auto-Draft
 $110.00  AT&T
 $111.00 Great Lakes
 $1.84 Merrill Transfer

So that’s that! I am off, it’s quitting time! I will see ya’ll tomorrow!

I seriously must have been out of my mind, but we sat down the other night and did forecasted budgets through the end of November to try and make sure we’re capable of paying our mortgage each month – how is it that we’re struggling so much? Once upon a time we used to be able to afford rent/car payment, etc. with no problem – now it seems that we struggle at every single turn….I hate this, thus the reason for this blog, so I can see what we’ve done, where we might need improvement and how we can correct the problems we run into time and time again – I’ve noticed the main string through everything is our extra spending, in other words those debit card transactions done after the budget is done…those are what’s killing us week to week – I think after adding up the last (5) weeks we saw something like $415.00 in extra money spent with only $100 being put back from birthdays (his and mine)…that’s still $315.00.  We narrowed it down even further and found that $132.00 of it was excess groceries above and beyond our $170.00 budget – so we’ve upped the weekly budget for groceries to $200.00 (OUCH!) in hopes to eliminate some of that – if we come in under budget that week the monies will go into my savings box and put back into the checking account at the end of each month.

Alright, with that being said this weeks’ budget is slightly different as I have some extra expenditures that are on this week as back in June I won tickets to see Maroon 5 & Kelly Clarkson in concert in Raleigh.  I am taking my baby girl with me tonight and we’re going to enjoy the concert and then crash in Raleigh for the night vs. trying to drive the 2 hours back to Wilmington.  I am very excited about this! I know the $120.00 I have set aside for our hotel and misc. spending is putting an overall dent in our budget, but I figure anything I don’t spend out of our misc. spending monies I will put back.  I am also taking the extra $40.00 cash for gas and $47.00 cash from our savings box with me, so I may not even touch the $60.00 I have budgeted for Misc. Spending.

Honda Civic Tour Shout Out

So I am running low on time, I am leaving early today so we can make the 2 hour drive and get settled into our hotel before having to head to the Pavilion for tonight’s show, so here goes the budget for the week:

 $456.84 Remaining from W/E 09/01/13  $501.20 Lara W/E 09/01/13 Salary
 $116.50 Amt. Spent  $245.46 Jimmy W/E 09/01/13 Salary
 $340.34 Avail. Starting  $746.66
 $9.78 Sweet Frog  $340.34 Avail. Starting
 $10.56 PetsMart  $746.66 Total Pay
 $17.05 Home Depot  $1,087.00 Avail. For Bills
 $3.20 Party City  $40.00 In From Merrill for Lara’s B-Day
 $7.54 KTC  $1,127.00
 $3.52 Target  $5.17 Adj.
 $10.17 PetsMart  $1,121.83
 $26.56 Wal-Mart
 $5.89 PCJ
 $3.18 PetsMart
 $2.13 Food Lion
 $1.92 Office Max
 $15.00 GS Troop #1327 (Check)

And the overall budget with the breakdown – we’re not sending the money to Citi right away instead I am holding off on sending that until next week when I have a bulk payment to send to them:

 $70.00 Brigades Boys & Girls Club
 $5.00 OT Solutions
 $5.00 Tate & Kirlin, 9/10 Auto-Draft
 $170.00 Groceries
 $25.00 Jimmy’s Money
 $25.00 Dinner, 9/6
 $80.00 Gas
 $25.00 Cat & Dog Food
 $59.39 Hotel in Raleigh
 $60.00 Misc. Spending For Lara & Ashley
 $113.19 AT&T
 $350.00 Citi
 $61.14 Amt Spent 9/6-9/8
 $5.00 Cape Fear Peds, 9/17

And with the cash withdrawal:

 $70.00 Brigades Boys & Girls Club
 $5.00 OT Solutions
 $5.00 Tate & Kirlin, 9/10 Auto-Draft
 $340.00 Cash for Week
 $59.39 Hotel in Raleigh
 $60.00 Misc. Spending for Lara & Ashley
 $113.19 AT&T
 $350.00 Citi
 $61.14 Amt Spent 9/6 – 9/8
 $5.00 Cape Fear Peds, 9/17

So there’s that and I am off! I’ll be offline until tomorrow, Wed at around noonish when I get home from Raleigh!