Posts Tagged ‘Budget’

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 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.

Today’s adventure launched us into both breakfast and dinner!

First was using ML’s Pancake Recipe she posted on her first blogpost

Pancakes and My Sudden Shift Into Frugality

 

I have made the bulk recipe and used this today! The kids enjoyed the pancakes and I did as well with some YUMMY Morning Coffee!

Was super simple and easy for my half-awake brain to accomplish at 6:30 this morning! LOL!!!

So then tonight we opted to make a Pot Roast – my hubs made it entirely on his own!

I will try to write out the recipe here

Ingredients:

2 – 3 lb Chuck Roast

1-2 Large Red Potatoes (peeled and sliced)

Green Beans (we used frozen ones)

Carrots

1 Large Yellow Onion

Sea Salt

Black Pepper

Onion Flakes

Thyme

Garlic Powder

2 tbsp Vegetable Oil

1 tsp White Vinegar

3-Cups Water

Steps:

Pre-Heat Oven to 275-Degrees

To make a broth, boil together Water, Vinegar, Vegetable Oil, Onion Flakes, Garlic Powder, Salt & Pepper, and Thyme. Lower heat to medium to reduce.

Season the beef with just the Black Pepper

Sear the chuck roast to seal in the juices over medium-high heat until brown on all sides.

In the same pan you used to sear the beef, heat the potatoes until they are browned remove potatoes and add to the beef pan – add the onions and cook until clear, remove onions and add to the beef pan.

Line the Bottom of a 9 x 11 x 2 pan with foil

Add the beef, broth, vegetables, seal the foil, bake in pre-heated oven for 3.5 hours. Or until falling apart.

Serve with Slices of bread toasted.

Enjoy!

I certainly enjoyed it tonight!

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…

Ok so here we are, still passing through each day step by step just trying to get by – so where are we?

Well the Non-Profit is done with our application, the only way they’ll pay it out and close with us is if we come up with 1-months payment, $852.14, as a gap payment.

Then I got a letter from the DMV/State of NC telling me that due to a missed court-date outside of Raleigh in April I have to now pay the past due taxes on Silver, roughly $495.00, or they’ll suspend my license.  I got a ticket for the tags being expired when I went to the Chapel Hill burn center in February, didn’t go to the court-date because the courthouse is 2.5 hrs away and I knew I’d not have it resolved by the time the court-date rolled around.  Then I forgot to call for a continuance – so here I am.  Ugh.

We know I need my license, that’s a given – so now we’re trying to figure out our next steps. I’ve requested paperwork to close the 401K I had through my previous long-term employer, roughly $3,100.00, after taxes/fees we’re looking at about $2,800.00.  So going to use this money to pay both the gap funds and the taxes on Silver.  Then whatever is left will be used to pay our water bill, $245.00.

We’re trying to decide our next steps, my bi-weekly checks are somewhere around $391.00 are not enough to cover all of our bills. So I am still looking for another either full-time or part-time job to help cover the gap.  The State’s stopped by UI funds – and we now have to re-up our food stamps again.  So I am just at my wits ends.

So here we are – losing sleep – possibly losing Silver again – and just trying to figure out how our life is going to pan out in the coming months.

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!

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!

 

 

 

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

So tomorrow morning around 10am my replacement will be badged and on campus ready for training…

So tomorrow morning I have to begin showing this stranger how to do my job…

So tomorrow morning reality will truly truly settle in…

So tomorrow morning I am going to be doing this UN-MEDICATED…

So tomorrow morning I may puke…

Will someone be there to help pick up the pieces…I highly doubt it…my only saving grace is that I’m leaving work around 2:30 tomorrow to take our daughter to her ADHD Dr appt before her talk therapy appointment…and then after dinner tomorrow night I am hitting the gym to work-out the frustrations and anxiety of the day while “clanging and banging” on the irons (Thanks Rock for that cute phrase) in hopes of sweating away the anxiety…

On Friday I worked at home so I could go to a job fair at our local technical college – spoke with several recruiters and picked up 4-5 business cards and was told to go to this or that website to fill out an application…spent Saturday evening doing just that.  I think the one that might scare me the most was when I went to the State’s Website and filled out an application to be…hold on…I’m gonna tell…a Corrections Officer…THAT scares the ever living you know what out of me…the COPAT (or physical exam) doesn’t intimidate me as much as the fact that IF hired I’d be working in a prison…never having actually set food inside one – yeah that frightens me.  Otherwise, I found the job fair itself pretty useless..it was more about networking and putting faces with companies than anything else.  I had ZERO clue how to even initiate conversation let alone get information.  So we’ll see.

Other than that I am high anxiety right now…

Can I just ditch the laptop, badge and parking pass? And go right to my severance and stay home?

No! DAMN!

Being an Adult SUCKS!

Good Morning Kids!

Another day in the trenches here…seriously getting to the point I want to just bail…

Why?

Simple – my replacement hasn’t officially started yet?!? Meaning she’s in office in Tampa BUT her background hasn’t cleared YET and she’s unable to come to site for her training…um WTF??! So I send my boss an email last Friday getting all the pertinent info together, find out her background is still pending and that they’ll need me to stay until 10/9! Um WTF?!?! I told them I’d need to think about it – told HR this morning I’m ok with staying until 10/9 but at that point my obligation to the company ends.  So now my replacement will be here next week for training and I am expected to plaster on a smile and pretend all is right with the world…which we all know is NOT the case!

Then the icing on the cake – boss lady asks me to request my replacement’s access to all of the systems I use…um talk about a SMACK in the face! Ugh…no class I swear! Sent the following the HR this morning:

Good Morning HR Manager –

Just checking in  – Boss Lady’s asked me to stay until 10/9, which I am ok with, not 100% ok, but ok.

Also, I understand the need to get my replacement up and running as soon as possible, but yesterday Kim was asking me to request her accesses to the XX Systems – frankly I feel like that’s a huge slap in the face.  I already am unsure about how I am handling things emotionally, but to do that is just one step too far.

I will say this, 10/9 is my absolute last day.  I don’t feel I owe anything to Company past that point.  I am also telling potential employers my 1st available day will be 10/11, and that’s been a bit of a stretch as is.

Thanks!

She responded that she’d look into it…AND she sent me the info on the career connection people I can talk to about a transition – looked at the website/registered/they are confirming eligibility but it just seems that looking for a job these days is more about how you can out-do your competition vs. who is the best eligible employee for the position…I am NOT one who uses LinkedIn and this place is PUSHING it seriously!  Seriously they want you to list accomplishments on your resume and anyone who is anyone knows Admin’s very RARELY have any serious accomplishments outside of streamlining systems and processes we can list.  So I have ZERO because at every turn my company has fought anything I wanted to suggest, thus NO accomplishments.

I am thinking this transition will be more getting myself out of the Corporate world and into something I want to do vs. need.  If that makes sense, I really am getting sick of sitting at a desk all damn day and reporting to some boss and company who could frankly care less about me a person and an employee…so I’ll be doing some serious thinking over the coming weeks to try and figure out how I can make money, support my clan, and still do what I want.

Can we tell I am feeling really down on myself?!?!

Only uplift in my life right now is that my workouts are rocking! I’ve been able to increase the weight I lift all around and my Crochet stuff has improved vastly…seriously check out some of my recent work here: YarntoAfghanCreations.

Can I go home and hide now?