Posts Tagged ‘Progress Energy’

Good Wednesday Morning All!

Well here we are into Week 2 of the Tax Refund and here’s how the spending went

Bills:

$180.00 – Set Aside for Silver’s 3/17 Payment , total set aside, $360.00

$148.00 – Progress Energy – this will Zero out our balance due for now

$100.00 – Dad for Repayment of the Dec. Progress Energy Payment, Bal. Due $220.00

$115.00 – Cape Fear Public Utility Authority

$232.42 – State Farm, 02/28 Auto-Draft

$50.00 – Gold’s Gym

$2.13 – Etsy.com Seller Fees (YarntoAfghanCreations)

$118.33 – AT&T

Total Paid: $945.88 – OUCH!

Misc. Spending:

Household Spending:

$17.25 – Sunrise Express, Laundry

$175.40 – Wal-Mart, Groceries (Receipt Submitted to Savings Catcher)

$32.57 – Wal-Mart, Groceries (Receipt Submitted to Savings Catcher)

$17.77 – Everybody’s IGA (Groceries)

$10.59 – Harris Teeter (Groceries)

$7.02 – Wal-Mart (Receipt Submitted to Savings Catcher)

$24.56 – Handee Hugo’s (Gas)

$14.86 – Murphy’s (Gas)

Total Household Spending: $300.02

Dining Out:

$58.00 – IHOP (Dinner)

$29.00 – Papa John’s (Dinner)

$5.78 – PCJ

$10.43 – Harris Teeter (Starbucks)

Total Dining Out: $103.21

Entertainment:

$4.26 – Amazon.com (eBooks)

$4.27 – Amazon.com Video on Demand (Hotel Transylvania 2)

 

$3.20 – Amazon.com Video on Demand (Alice in Wonderland)

Total Entertainment: $11.73

Misc. Spending:

$13.34 – Ship & Mail Plus (YarntoAfghanCreations)

$20.25 – HobbyLobby.com (Nephew’s 1st B-Day Gift Supplies)

Total Misc.: $33.59

Grand Total: $448.55

Ok so I am not totally disappointed with this week’s spending breakdown, the worst it seems was household – it appears we’re spending more on groceries as we’re doing the one-off shopping trips for misc. items that weren’t accounted for in the weekly grocery shopping trip – these items aren’t normally purchased.  However, I do have a teenage boy in the house now and that means more food spending for the next several years, as anyone whose been around a teenage boy will tell you they eat like bottomless pits LOL!  And, my son is no exception, seems he’s eating more than ever lately.

Next week I intend to make the payment for the taxes on Silver and then we’ll be done paying bills for now.  That’s the last of them as far as I can see.  Then again you never know.

Still trying to figure out how to make the money in savings work for us – the Apple stock I bought is doing well, we’ve made a small amount of money off of our existing stocks in the last week, so no complaints there.

Well that’ll be enough from me for now!

 

 

So it’s been 1 Week Since We’ve received our tax refund, it was deposited a week ago tomorrow.

So here’s how the spending went during week 1

Savings:

$500 – Savings

$25.00 – Kids’ Savings

Sat, 02/20 Spending:

$180.72 – Wal-Mart (Groceries)

$31.42 – Smithfields (Dinner, Sat)

$103.00 – Girl Scouts NC Coastal Pines (Ashley Camp Deposit)

Total Spent: $315.14

Sunday, 02/21 Spending :

Took Silver to the mall, Sears, to have her oil changed, tires checked & new wiper blades installed, ended up being stuck at the mall over lunch and ate at the food court – ugh the prices have gone up – NEVER again – the food isn’t worth the cost.

$92.91 – Sears (oil change, flat repair, and wiper blades for Silver)

$8.03 – Slice of Life (Ashley Lunch, Sun)

$9.61 – Charley’s Grill (Jimmy Lunch, Sun)

$8.43 – Ming Tree (Austin Lunch, Sun)

$6.41 – Baba Ghannouj (Lara Lunch, Sun)

Total Spent on Lunch: $32.48

$13.89 – Kitchen Collection (purchase of cast iron skillet handle cover to prevent future burns)

$30.41 – Hot Topic (Austin T-Shirt, repayed using his GC from his Birthday, didn’t have it on him & Golden Snitch Keychain for Lara, less than $9.00 purchase)

$63.11 – Yankee Candle Company (GP household purchase)

Other Purchase: $107.41

Total Spent: $139.89

$16.27 – Target (Lara & Jimmy prescriptions)

$202.00 – Progress Energy

 

Pending Bills being paid

These are bills I have scheduled that haven’t drafted.

$180.00 – Regional Acceptance – funds set aside for March Payment for Silver

$100.00 – Dad, repayment of Progress bill from Dec. & Payment of Tax Filing

$232.42 – State Farm, Auto Draft 02/28

Not terrible Week 1 – my paycheck was deposited in the midst of all of this as well, $686.75 – really annoyed that 55.0 hrs. of work was so low now that my insurance is being deducted.  So now I really know we have to very careful with our spending.  Focusing largely on the bills right now, making sure everything is up to date.  Though I know once this project is over we’re going to end-up behind once again – thus the reason for the savings, will transfer another $500 to our Merrill account next payday.

Speaking of the Merrill Account, the $500.00 I put was used to purchase 1 piece of Apple Stock – it’s a mutual fund/stock account – not sure how to distribute the rest of the funds so that the money can work for us vs. just sitting in cash – we already own 2 GE Stocks and 1 in Microsoft.  Thoughts?

Well that’s all from us for now! Will report back in next week with Week 2!  Time to be accountable again.

 

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!

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  $            – Hulu.com
 $                           –  $                    –  $      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
 Bookshelves
 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.

Thoughts?

UPDATE:

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…

frustration2

This week was particularly frustrating when I was doing the budget – why? Simple – the utility bills are  continuing to go up, mostly the electric bill as we’re having to run out heat at like 75 just to keep the  house at 68 around the damn clock because it’s too friggin’ cold out! Never mind that out heat pump  can only do but so much to convert 6 degree air outside to 68 degree air in the house – BRRRRR – we’re  seeing an electric bill upwards of $200.00 added to what we already are past due on and it’s over  $400.00.  frozen therm

 GAH tax time can’t come soon enough in my book! I sent all of our tax docs to my Dad last week and he’ll file them sometime in the next few weeks when he has time.  Then when done we can hope beyond hope that the refund comes somewhat quickly! We desperately need that money sooner rather than later!

So on that note here is the budget for the week:

 $41.74 Remaining from W/E 01/12/14  $507.39 Lara W/E 01/19/14 Salary, Pay Date 01/24
 $36.40 Amt. Spent  $210.37 Jimmy W/E 01/19/14 Salary
 $5.34 Avail. Starting  $717.76
 $5.00 Savings for X-Mas ’14  $5.34 Avail. Starting
 $5.00 Ashley Dr.  $717.76 Total Pay
 $5.00 CCA  $723.10 Avail. For Bills
 $2.06 KTC  $27.76 Money Spent Before Paying Bills
 $3.75 Kindle Charges  $695.34
 $15.59 Wal-Mart
 $36.40

And the breakdown, here’s where you will see my frustration

financial-frustration

 $695.34
 $63.44 State Farm, 01/27 Auto-Draft
 $631.90
 $84.50 Credit Accept
 $547.40
 $90.00 Brigades Boys & Girls Club
 $457.40
 $200.00 Groceries
 $257.40
 $25.00 Dinner, 01/10
 $232.40
 $25.00 Cat & Dog Food
 $207.40
 $25.00 Jimmy’s Money
 $182.40
 $30.00 Gas
 $152.40
 $7.99 Hulu.com, 1/21 Auto-Draft
 $144.41
 $30.00  GS Troop# 1327, Camporee/Jan Dues
 $114.41
 $17.94  Shipping of GS Cookies
 $96.47
 $55.00  Progress Energy
 $41.47  $41.47
8%  $3.32
 $3.32  $38.15

The two points of my major frustration lies in these two lines:

 $90.00 Brigades Boys & Girls Club

Why? Simple – I paid the $70.00 for last week, 01/20 – 01/24/14 but THEN schools were closed for a teacher workday on the 24th, Brigades was open but yet it was an additional $20.00 ($10.00 per child) for the day, so I ended up paying them $90.00 for last week – can someone please explain this to me???

And second:

 $55.00  Progress Energy

NOT having enough funds to make this payment in FULL, $183.00 to bring us somewhere close to current.  that just bugs me to no end!

You know normally I might have been whining, moaning and complaining, but then I read this article yesterday written ever so eloquently by a woman who is in a much tougher spot than I am at the moment and I finally just told myself to shut to heck up and move on.  You can find her article titled This is Why Poor People’s Bad Decisions Make Perfect Sense here, take a moment to read it and share your thoughts below.

Lesson Learned: While you think your financial life sucks arse, there’s always someone who’d happily trade with you!

Images borrowed from:

http://www.thesuperzilch.wordpress.com
http://www.bemanaged.com
http://www.myfox23.com

Ugh where to begin with this one, just about the only good things to come from last week are these

1. The $79.00 Amazon drafted for our Prime Membership was Refunded

2. I have been working hard and when I weighed in last week I’d lost 4.6 lbs!!! So stoked about that!

3.  Had an awesome date with my Son to Sweet Frog after dinner one night!

4.  The car passed inspection and is finally now legal w/tags that are current

Other than that it was a horrible horrible week financially for us – our Electric bill was due and we were due to be shut-off, this I knew, but little did I know that when Duke Energy took over Progress Energy the process for requesting an extension changed from being able to do it same day to needing to do it a few days ahead of time…UGH UGH UGH and lots of F*BOMBS! So we had to find a way to pay them immediately or our power would have been shut off, un HELLO no way we would have been able to go three full days without power, so what did I do? Drained our Merrill Account and our KTC account to pay the past due amount of $109.40 + $5.40 ePay fee…UGH UGH!!

Lesson Learned Here: Watch finances better so we can request an extension going forward as needed

So because of the above, and our check to Brigades hitting late on Thursday I woke up Friday morning to an overdraft fee, $35.00.  Thankfully the bank paid the check to Brigades and I didn’t also incur the $25.00 returned check fee that I am certain Brigades would have charged us…it’s going to take us quite sometime to recover from this – and now with the holidays bearing down on us, we’re screwed and I mean that royally. How? Well let’s begin with Thanksgiving:

In the past  my company has given us each a $25 GC to Wal-Mart for Thanksgiving, I am SOO hoping they do this again this year as I really need it – a local coffee house company (similar to Starbucks) sponsors a program where area families can volunteer to host 2 Marines in Training from a surrounding base who cannot go home for the holiday; we volunteered last year, but they “ran out” of Marines so this year we were part of the group given first dibs and now I am going to host two young men for Thanksgiving – so to say I need that money this year is a vast understatement! The downside to this holiday is two (2) days without pay…I can log in on Black Friday, but I doubt there’ll be much work to do…

Then with Christmas approaching and the travel costs involved there we’re going to be struggling to maintain the bills, Christmas shop, and pay for our travel – oh and yeah more loss of pay for me…a full week this time, that’s $600 GONE! Thus the reason I am looking for alternative income sources and possibly a new job…

Ok so here we go – it isn’t pretty, but it’s this weeks’ budget:

 $91.03 Remaining from W/E 09/08/13  $496.56 Lara W/E 11/03/13 Salary, Pay Date 11/08
 $244.88 Amt. Spent  $258.10 Jimmy W/E 11/03/13 Salary
 $(153.85) Avail. Starting  $754.66
 $5.76 Wal-Mart  $(153.85) Avail. Starting
 $4.86 KTC  $754.66 Total Pay
 $6.25 Hughes Bros  $600.81 Avail. For Bills
 $6.09 Hardee’s  $79.00 Refund from Amazon.com
 $109.40 Duke Energy  $679.81
 $5.40 Duke Energy  $32.00 From Merrill/KTC Acct
 $35.00 Overdraft Fee  $711.81
 $0.35 PayPal Verifier  $0.35 PayPal Verifier
 $70.00 Brigades B & G Club  $712.16
 $1.77 PetsMart  $4.20 Adj
 $244.88  $716.36

SO Missing the normal OT I get this time of year – sadly we didn’t do two outages we normally do and just found out this morning that we lost another one, the company we contract for did, not my company per se, but the work is lost:

 $716.36
 $70.00 Brigades Boys & Girls Club
 $646.36
 $200.00 Groceries
 $446.36
 $25.00 Jimmy’s Money
 $421.36
 $25.00 Dinner, 11/8
 $396.36
 $40.00 Gas
 $356.36
 $25.00 Cat & Dog Food
 $331.36
 $5.00 Tate & Kirlin, 11/10 Auto-Draft
 $326.36
 $250.00 Credit Accept
 $76.36
 $5.00 CCA, 11/11 Auto-Draft
 $71.36
 $40.00 AT&T
 $31.36  $31.36
7%  $2.20
 $2.20  $29.16

I chose to short-pay AT&T so I could send a 90% payment to the car company and get them off my arse for awhile, albeit it’ll be a short while, it’s a brief persion to say the least.

 $716.36
 $70.00 Brigades Boys & Girls Club
 $646.36
 $320.00 Cash for Week
 $326.36
 $250.00 Credit Accept.
 $76.36
 $5.00 CCA, 11/11 Auto-Draft
 $71.36
 $40.00  AT&T
 $31.36
 $2.20 Merril Transfer
 $29.16

So now it’s just a matter of being extra careful and watching every single penny that goes out of our account!

Lesson Learned: Not watching is the same as ignoring and that is the same as being irresponsible! Checking the bank account daily is the smartest way to roll!