Posts Tagged ‘Regional Acceptance Corporation’

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!

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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.

Good Thursday Morning One & All!

Sorry I didn’t get on yesterday – took the day off and spent it running around town with my hubby! Tried to get a traffic ticket (speeding) resolved, but alas I mis-read my own notes and ended up getting there after the allotted time – SO I’ll try again next week – I have until the 24th.

Anyhew, here’s the breakdown of this week’s spending – seems we went a tad overboard – but we had a lot of errands on Sunday to handle and that’s where a lot of our spending was – throughout the week too – we spent more than we should have – more of those one off stops for groceries.  Ugh.

Anyhew, here we go

$540.00 – Regional Acceptance – I put back into play the other allotments of $180.00/each and paid Regional for March’s payment.

$32.95 – Banfield Wellness Plan

$100.00 – Dad (final Progress Payment)

$25.19 – BP Oil – Gas for Silver

Total Bills: $698.14

$13.00 – Amazon.com – My hubby ordered me a very nice Bamboo Crochet Hook

$37.67 – JoAnn’s (YTA Creations Supplies for Order)

$12.47 – Paypal (Clay Handled Crochet Hook)

$9.52 – Ship & Mail Plus

Total for YTA Creations: $72.66 (Rec’d Payment of $22.00 for Etsy Order)

$6.69 – Tommy’s (Cig’s for Hubby)

$27.01 – Amazon.com (Trumpet Cleaning Kit for my Son)

$29.98 – Kwik Kuts

$1.04 – Target (Lotion)

$16.23 – Wal-Mart (Umbrella for James)

Total Misc. Spending: $80.95

$18.36 – Harris Teeter

$6.60 – Safeway Food Mart

$30.26 – Food Lion ($10.26 = Groceries, $20.00 = Cash)

$194.96 – Wal-Mart (Groceries + Shoes/Socks for Ashley)

Total Groceries: $250.18 – $20.00 Cash = $230.18

$5.34 – Amazon.com (Minions Movie)

$3.20 – Amazon.com (Ice Age Continental Drift Movie)

Total Entertainment: $8.54

$1.59 – Cigarette City (Drink for Hubby)

$10.09 – Wal-Mart (Breakfast for Kids)

$6.26 – Port City Java

$33.00 – Papa John’s

$4.23 – Gold’s Gym (Smoothie)

$20.02 – Wendy’s

$2.12 – Wendy’s

$9.00 – Impact Nutrition

$15.94 – Chipotle

Total Dining Out: $102.25

$374.48 – Best Buy

$223.70 – Target

Total for New TV for House: $598.48

I honestly am surprised at how much we’ve spent this week – but now that the bills were caught up and we just have the ticket & taxes on Silver to resolve we felt comfortable going ahead and getting the new TV.  We wanted a 40″ one but the color was not up to par with what we thought was good quality – and Target/Wal-Mart and Costco all had the 40″ one for roughly $359.00, so we wandered into Best Buy yesterday to ask questions about how a Smart TV works (yes we were still on a tube TV) and ended up finding a 43″ one for the same price as the 40″ one and better quality picture, so we went with that one.  We knew the TV stand we had wouldn’t work for either one, so we bought a new stand for $199.00 at Target.  We’re pleased with both purchases and know they’ll last us forever!

So that’s where we are this week!

 

 

 

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.

 

So man alive 2016 has been a chaotic one at best.

First Silver is Repo’d – thanks to all of the generous donations we received we were able to retrieve her from Repo, $2500 lighter, but she’s back and we’re able to get around town – most importantly, get me back and forth to work.

All the while this is happening our water is shut-off, ugh I cannot even begin to express my frustration there – then AT&T shut us off – the pendulum is swinging hard one way for sure.

So then almost as soon as we’re clear there, I go and burn my hand – yup – 2nd degree burns on two of my fingers on my right hand – one trip to the local ER and then a trip to the Burn Center and UNC Chapel Hill and I am on the road to recovery.  Had to take two days off last week, but alas I am healing.  I worked a whopping 25 hours last week – and with the new insurance draft I was paid a whopping $61.12! WooHoo!!

Now though in the midst of all of this we managed to collect our tax documents and get our taxes filed, Thanks Dad!

Right now we’re getting about $5700.  Not too bad.

So our plans are such:

$1,000 to savings right off the top

$400 for a new TV

$300 for our daughter to attend camp – might be less if I can get her another Campership Scholarship.

$500 -? for a new washer/dryer – I am getting tired of going to the laundrymat.

$200 to repay my Dad – he helped us with an electric bill before Christmas and then paying him for the tax filing.

The rest will go to bills and carrying us through – we may take a day to go to Jacksonville and have one dinner out, we’re not 100% sure quite yet.

I am hopeful we’re able to stay relatively stable through the end of the summer…that might be too much to ask though.

 

 

Good Monday Morning One & All –

So thought I’d check-in with a current status update on the Silver situation – we paid them on Friday – $2,035.00, yes you read that right – they quoted me $1,134.00 to get her out of Repo then because it took us a week to raise the funds required to get her, another payment posted, $540.38, bringing the total due to $1,674.38 and THEN there was Repo Fees Added in the total of $361.00 they failed to mention when we spoke initially.  Ugh add to that A $30.00/day storage fees x 12 Days = $360.00…I could just puke.

THEN THEN when I call them on Friday afternoon to find out where we were once it was paid they said they couldn’t release her until TODAY…sure it was 3pm on Friday, but STILL! They couldn’t be bothered to express the paperwork so I wouldn’t have to pay an additional $60.00 in storage fees.

I am so burned…I’ve filed a complaint with the Better Business Bureau and will be filing a formal complaint to Regional today as I feel they’ve taken advantage of our already precarious financial situation.

Oh and to add to it, hubby calls me last week on the 21st and tells me that our water was shut-off…WHAT?!?! Thankfully we have access to our shut-off and can turn it back on, but STILL!

I swear one more thing gets added to my plate I might just need an asylum…this is CRAZY!

So yeah that’s where we’re at…hubby went to the foreclosure hearing last week and it went as expected – we got on with a nonprofit that’s going to help us try and save our home – so that bought us a 60-day stay.  Otherwise, we’re probably going to see a power shut-off soon because every penny I have has been going to Silver this week…