Posts Tagged ‘Midland Mortgage’

Ugh

Ugh

Ugh

Why do I always find myself in this situation?  A place where we are struggling to find that balance with our financials + our life+ wanting to keep our kids from suffering financially in our lives (i.e. missing field trips we can’t pay for, getting them new clothes when needed, etc.) it’s a constant battle to try and figure it all out – we have way more going out than coming in and 2/3 of what’s going out is just the Mortgage, Car Payment, Car Insurance, and the Utilities…I can’t stay ahead of them no matter how hard I try.

So where are we:

 – Midland Mortgage – 6 Weeks Behind, 1.5 Payments = $1,281.00 due by 06.15.15

– Regional Acceptance – 6 Weeks Behind, 1.5 Payments = $808.50 due by 06.17.15

– Cape Fear Public Utility Authority – New Statement Shows $285.00 due by 07.05.15

– Progress Energy – New Statement Shows Another $289.21 due by 06.01.15

 – AT&T – No new Statement Rec’d yet, assuming it’s going to be another $130.00 due by 06.15.15

Then there’s the whole need you know, EAT, and our grocery bills run about $150 – $200/week depending on how much we need – and we eat fairly healthy so that means a lot of vegetables, fruit, nuts, cheeses, and the like and those are more expensive than the processed crap in the store (backwards I know) and then if there’s a week I’m in need of protein powder that’s another $40.00 for both of those (vanilla and chocolate – used for two separate things and bought maybe every other month, 2 x 2lb containers last a while)

We try to make use of my husband’s work coupon to save money on Dog food one week a month and we haven’t used it yet this month – so we’ll probably use it tonight to save some money there as we also need to get kitty food.

And Silver, our van, requires about $30 – $35/week in gas, which Thanks to our Costco membership I save a little money there each week! Whoop Whoop!

And my husband’s money changes week to week, but here lately he’s required all of his $25 + some…ugh…I so can’t wait until he’s back to grooming so he can get tips + his commissions – oh yeah I didn’t post about that – but about 6 weeks ago or so he was injured during his shift – a 60ish lb dog was flayling around and knocked into my husband’s rib cage – and ambulance was called because about 15 mins after that incident he started having chest pains that radiated up his arms, neck and into his back, so we thought it was a heart attack – after spending 6 hours in the ER it was determined that it was musculoskeletal and he was sent home to follow-up with his primary care Dr – the following Monday he went to see his Dr and it was determined he had broken some ribs and had some bruising to the muscle’s – back & forth with the employer for Worker’s Comp – put on leave and then light duty for 6+ weeks means he’s losing money – we’re back to just his paycheck which hasn’t been much especially when they take out his benefits…ugh…

I am grateful though that I have been able to work my full-time schedule and if I’ve had to be out of work I have leave to offset the hours – YAY!!!  That’s been very helpful for sure.

And while my work for my author-employer has been steady it’s not income I rely on to help cover finances because the hours are up and down depending on her schedule…I mainly use that money as a means to fill a gap when we’re requiring it – like now Silver is due for an oil change, and I intend to use my next paycheck to cover that expense which I am estimating to be about $65 – $70 with the oil change, tired rotation, filter replacement, etc.

Ok back on track – so with the above we still have our normal monthly drafts:

– My Gym Membership $19.99/mos on the 17th

– My Personal Trainer, $50.00 on the 1st

– Hulu.com Subscription, $7.99 on the 21st

– State Farm Insurance, $272.00/mos on the 28th

– Music & Arts Center, $33.41 on the 18th (son’s Trumpet Rental)

– Vet’s Wellness Plan for Sadie, $32.95 on the 5th (this is with my hubby’s discount)

It’s no wonder we’re broke…ugh…I seriously need to invest some time into getting OT hours – I keep forgetting I too have benefits that draft from my check and need to make sure I work enough to offset those costs.

So that’s where we are – I am also running burnout at work – trying to save my leave so I can take some time off this summer and have some remaining for Christmas break as well…wish me luck!

Good Evening Everyone!

It’s been roughly (3) Months since I last checked-in and WOW things have changed some – some for the good and some staying where they are…

Our tax return lasted us about 2.5 months this year – 90% of which was spent paying bills – we dedicated a large portion of it to help pay the mortgage, car payment, insurance, utilities, etc and it turned out to be a blessing for sure! Those months right after Christmas always tend to be a problem for us, but having the tax refund really helped smooth the road from that point forward.  The remaining 10% we spent on shopping – we took about $600 and hit Myrtle Beach, SC for a day of Outlet Shopping, cruising Broadway at the beach and then dinner at Red Lobster! It was a fun-filled day that we all needed!  And the rest went to little purchases here and there – movies, books, other clothing items, food, etc.

For the good, and I mentioned this on my NCReaderBlog the other day – I have taken on a 2nd job, part-time, working for an Indie Author named, Heather Hildenbrand, author of such books as ImitationDevitation, and the Dirty Blood Series, doing her administrative work – helping her with blog tours, cover reveals, working on her newsletter as she needs me do and just anything and everything she needs help with! The hours fluctuate based on her needs and schedule, but I love it! She’s an amazingly sweet lady who is just very cool!  I found this job via her Street Team facebook page and applied as soon as it hit my newsfeed – she was like whiplashed I hit her so fast w/my inquiry and resume LOL!!  This position adds an extra $40 – $80/month to our budget or $10.00/hr as her needs require, and has helped with some smaller expenses as they’ve come up – stuff like oil changes for the new van, or something as simple as putting gas in the car or paying for emergency groceries!

Another, for the good change as been a gym change for me – if you all remember roughly 15-Months ago I joined Planet Fitness to help with my weight loss goals – well I reached my goal weight and was looking to move more into weight lifting and decided to give the New Rules of Lifting for Women program a try – well to do the program in full I really needed more weight room flexibility so after a lot of soul searching I decided to leave PF and joined Gold’s Gym – and I also took on a personal training twice a month to help me reach my goals.  The costs of which were a $200.00 enrollment fee + $19.99 month for the membership and then $50.00/month for my PT – who has been well worth the expense! She’s just amazing – she’s a powerlifter and has been working with me to increase the weight I use while guiding me with proper form! I’ve been a member of Gold’s now for about a month and I feel so much more at home than I ever did at PF! Probably because I know my way around the weight room more 😉

Otherwise, we’re remaining static – the last restructure we did with Citi went through and as soon as the paperwork was returned to them they sold our loan to Midland Mortgage – who is just now receiving the paperwork from Citi – oy what a ride that’s been – but I spoke with them yesterday and all is good – our credit hasn’t been affected by the changeover and we’re paying the payments as scheduled, so we’re good!

Life continues to move forward and we’re just taking things one day at a time.