Posts Tagged ‘Insurance’

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!

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Ugh Ugh Ugh…

We do this time and time and time again – we overextend ourselves and we get ourselves into situations financially that we just can’t overcome…

I’ve done the math with the payments and financials for the new van and I must say I am less than pleased with where we’re at and where we’re going to be.

Here’s the breakdown using our last four (4) paychecks are the basis of our overall budget

W/E Date  Lara  Jimmy
12/21/2014  $    512.23  $    290.12
12/28/2014  $    550.68  $    307.58
1/4/2015  $    471.34  $    286.22
1/11/2015  $    490.92  $    263.42
 $ 2,025.17  $ 1,147.34
Average Weekly Pay  $    506.29  $    286.84
Combined Weekly Pay  $    793.13
Combined Monthly Pay  $ 3,172.51
Expenses: Monthly Weekly
Mortgage  $    860.14  $    215.04
Car Payment  $    538.30  $    134.58
AT&T  $      85.00  $      21.25
Progress Energy  $    125.00  $      31.25
CFPUA  $    180.00  $      45.00
Groceries  $    640.00  $    160.00
Brigades  $    240.00  $      60.00
Dinner  $    100.00  $      25.00
Jimmy’s Money  $    100.00  $      25.00
Cat & Dog Food  $    120.00  $      30.00
Gas  $    140.00  $      35.00
Planet Fitness  $      19.99  $        5.00
Hulu.com  $        7.99  $        2.00
Oster  $      57.97  $      14.49 One more Draft for Feb 2014 – Then Done
Music & Arts  $      33.80  $        8.45
State Farm  $    148.68  $      37.17
Banfield  $      24.95  $        6.24
Tate & Kirlin  $        5.00  $        1.25
 $ 3,357.51  $    856.71
Difference:  $  (185.00)  $    (63.58)
OT Hrs Needed to Break Even          (7.83)          (2.69)

In order for us to break even every month one or both of us is going to have to bust out some major overtime…I know that once the final Oster (hubby’s grooming tools paid on a 6-Month payment plan) payment is made then we’ll be better off.  What’s worrying me more than anything right now is that with everything surrounding the wreck & buying our new car has hindered our ability to make the final payment on our trial plan – here’s how it all breaks down:

Rental Car #1 = $98.83

Rental Car #2 = $675.52

Deductible/Repairs = $390.00

Down Payment on New Van = $500.00

Sum total paid out in the last month for vehicle stuff: $1,661.35 – OUCH

I have right now $860.14 due to CitiMortgage on Tuesday 01/27 and IF we want to, oh I don’t know, EAT this week and feed our furbabies + put gas in the van I can set aside all of $250.00 on this week’s paychecks…ugh…

I went to balance the checkbook this morning and discovered we were hit with overdraft fees because of piss poor financial planning on our part and hoping the rental #2 wouldn’t draft until today (it drafted on Wed) therefore causing my payment to Brigades ($40.00), the DMV ($10.00) for Jimmy’s new ID + the down payment on the van ($500.00) to cash out and overdraft our account to the tune of $105.00 (3 Fees @ $35.00/ea).  I’m not sure how I am going to pay this payment to Citi + everything else I have to pay out on next week’s paycheck – BUT OH wait Citi wants their payment on Tuesday the 27th and I am coming up $610.14 SHORT.

I can’t even schedule the payment to be delayed until the 30th (Friday) because Citi wants to ensure their funds are drafted & applied before the end of the month…so I can’t even put it on next week’s pay (Pay Date: 01.30.15) – so we’re basically SCREWED! Anyone want to generate a miracle here????

I QUIT!!!!  

Do you guys remember, what was it back in May when I sent a letter to my HR Dept?  I posted it to my blog on this post:

Well I finally Got Fed Up – Sent an Email to HR

So I haven’t heard anything back – there was some initial back & forth between myself and the HR Manager, which I shared here, and pretty much let it drop from there –  awhile ago I guess my frustration started to surface and I had a conversation with my boss where she told me that HR was working to get me on staff full-time with benefits, a raise, paid time off, etc.  I took it with a grain of salt, didn’t think anything of it because I’d heard the speel before…so I let it go.

This morning was rough with the kids dawdling, not wanting to get ready for school – so much so that my daughter missed her bus – so I had to run her to school and got to work around 8:15 ish – I had all intentions of following-up with HR this morning, especially after yesterday’s post, find that here.  However, my boss beat me to the punch, she called me into her office and told me that she had something for me from HR…uh oh I’m thinking…but nope…she says Congrats you are finally a permanent member of the team!

WHAT?!?!?!

Eyes Popping Emoji

 

 

Color me surprised! Yup she had an Offer Letter from our Corporate Office for me stating that as of yesterday I am being offered a $0.75/hour raise – full time permanent with Overtime pay – benefits including Paid Time Off, Vacation, Sick Leave, Paid Holidays, 401K, and Health/Life Insurance!! I am soo gobsmacked still I can’t wrap my head around it quite yet! But I am pleased.

The math works out to $30.00/week on a 40.0 hour week or $120.00/month or $2,760/year!!! I figure that extra will offset the cost of the 401K/Life Insurance, etc. Not sure if we’re switching insurance yet, hubby and I have to look at the two plans side by side before we decide…so yay!!!!  Great Way to Start a Tuesday, No?!?!

Nope yeah not so much.  Last week I received an email from Hertz with a bill for our rental car to the tune of $1,347.18.  I uploaded it to State Farm’s claims website and waited.  Nothing.  Until I woke up Saturday morning and saw a HUGE negative balance on my account – thank Goddess for my daily balance email notifications – so I bounced over to the bank’s website and low and behold I see that Hertz had not only drafted that $1,347.18 but the transaction had caused (2) Overdraft fees in its wake.

Ugh so BEFORE I’ve even had my morning coffee I call the bank immediately and file a dispute.  They immediately post a teller credit for the $1,347.18 and open a dispute for a credit from the overdraft fees.  So now we’re back at our positive balance we had when I went to bed Friday night.

And then as soon as my agents office opens on Monday I am on the phone with them trying to figure out what happened…they transfer me to the claims people who are handling the rental and I get transferred again to the total loss team who connect with me to Hertz.  Turns out the contract I initiated at the Airport the day after my wreck, that was supposed to be CANCELLED and VOIDED, never was and during an audit they found it and billed my account.  Hertz took responsibility for it and credited the funds back to us.   I just had to send them a copy of my statement showing the overdraft fees, which I did.

Came into work this morning and I see that BOTH credits are still on my account…so now what? Call the bank back and tell them what happened?  Or do I hold onto both credit + the credit of the overdraft fees and call it a day.  Keeping the 2nd credit for all the headache’s I’ve gotten trying to deal with the wreck itself, the insurance, and buying a new car.  Sort of reimbursement for having to replace a vehicle I had NO INTENTION of replacing this year…

Questions…

Questions…

Questions…

What would you all do?

UPDATE: Called the bank & Cancelled the Dispute, They are Going to Debit the Credit they Gave me showing just the one Debit/Credit from Hertz.