Posts Tagged ‘Weight Loss’

Have any of you watched the ABC Show Extreme Weight Loss?  If not you really should check it out, here’s their Facebook Page

Extreme Weight Loss Cover

 

As someone who has been on a personal journey towards weight loss I can connect with the contestants and know what they are going through, I can sympathize with each of them, and can feel their pain – their motivation becomes my inspiration to continue despite being stuck in a Plateau at present!

Last night I caught the last and final episode that was loaded onto Hulu‘s website, this episode was ‘Bruce’ a 29-year old high school football coach who weight in at 382 lbs when he started his journey – despite being that immensely overweight he had such a positive attitude and a joy for life that it was hard not to grab onto that and just enjoy it with him!  It was contagious I have to say, I kept saying over and over to my husband last night while watching his episode that I loved this kid’s attitude and positivity!

So what does that have to do with my finances?  Well as all of you know I’ve been in a lurch lately about what to do, and how to move forward with our mortgage situation, we’ve decided on three steps to take:

  1. Do the mortgage restructure paperwork, turn it in and see what happens – this is all on my hubby’s shoulders, I am not going to deal with them again
  2. At the same time we’re going to continue to look for ways to bring in more income – I have registered, as previously stated, with two Freelance websites for some kind of Freelance work; I have also set-up a HubPages account to do freelance writing, however I am stumped for something to write about (go figure); and my hubby has talked more about getting a 2nd job
  3. If Step #1 fails, then we’re looking at probably filing with the courts for a 5-year leeway plan the State of NC has that will prevent Citi from filing foreclosure for 5-years while we work to get our finances in order

Just knowing these steps has helped some – having a plan of action has helped some – but I was still feeling less that motivated to move forward – NOT anymore!

Bruce has helped push me back on my path and now I can say that along with his inspiration to push through my plateau with my weight loss – I am also pushing through with getting my financial life back in order!  I have already begun that process by tracking our spending again to keep a closer eye on what we’re spending and where (yes even the cash expenditures) so I can make adjustments if need be.  I am also applying for more and more jobs on a daily basis – at LEASE one a day – here lately though ironically enough most of the jobs I’ve applied for have been with either the State of NC or New Hanover County Governments – which as we all know means State/County Benefits and some level of stability and maybe even some upward mobility!

Whoop Whoop! So keep us in mind and in your prayers/thoughts/spells what have you! We have a long road ahead and will most definitely have speed bumps along the way, but we overcome!

Thoughts?!?!

Which only meant we had more “loose change” or other monies to spend elsewhere – while I am glad about that after seeing the total of how much we spent this week, $88.80 on Misc. Items we probably could have done without, or better planned for in our grocery shopping we’d have that money going into this new week coming up…kicking myself in the arse on this one I swear!

Last week I posted a topic on Weight Loss and Budgets stating how my weight loss program has been costing us additional monies – what I did not mention is that now I am yet again at that in-between stage in terms of clothing sizes meaning while all of my Size 12/Mediums still fit, I am wondering how much longer they’ll still look decent – the 12’s are starting to just loosely hang on me, yet we don’t have funds enough quite yet to get me into 10s…and I still need shorts for summer…fantastic.  The other side to the weight loss is that I am not eating the same foods as the rest of my house – my lunches consist of items consistently different than what I used to eat (which was closer to what my kids eat) along with alternating items for dinners…to say grocery shopping has gotten interesting would be an understatement…while I have worked it so that I am not spending more on the grocery budget – just different – some of what I eat now comes from Target vs. Wal-Mart or even from Harris Teeter vs. the other two just depends on what I’m in the mood for.

On that note, here we go here’s the budget from this week:

 $15.54 Remaining from W/E 03/09/14  $523.78 Lara W/E 03/16/14 Salary, Pay Date 03/21
 $88.80 Amt. Spent  $288.13 Jimmy W/E 03/16/14 Salary
 $(73.26) Avail. Starting  $811.91
 $15.00 Savings for X-Mas ’14  $(73.26) Avail. Starting
 $2.99 Food Lion  $811.91 Total Pay
 $4.54 Target  $738.65 Avail. For Bills
 $11.00 Target
 $26.73 Target
 $5.13 KTC
 $4.80 Target
 $1.00 Facebook?
 $2.51 PetsMart
 $2.03 Rite Aid
 $13.07 Food Lion
 $6.03 Everybody’s
 $1.52 Office Max
 $88.80

As I mentioned above – we spent WAY too much this past week…seriously will cut that back in the coming weeks otherwise we’re going to be royally screwed financially.  I am still trying desperately to put money aside to help fund Christmas this year, just want to ensure we don’t run into the problem on having to pull it back into our account like I did two weeks ago.

So here’s how things broke down, we had our internet bill due which meant no money going to the mortgage – yes I am starting to sound like a broken record here…going into Q2 2014 I am going to work much harder to correct this…

 $738.65
 $121.66 AT&T, 03/21 Pre-Payment
 $616.99
 $85.00 LAS Financial
 $531.99
 $60.00 Brigades Boys & Girls Club
 $471.99
 $63.44 State Farm, 03/24 Auto-Draft
 $408.55
 $200.00 Groceries
 $208.55
 $25.00 Dinner, 03/21
 $183.55
 $25.00 Jimmy’s Money
 $158.55
 $40.00 Cat & Dog Food
 $118.55
 $60.00  Gas
 $58.55
 $7.99  Hulu.com, 03/21 Auto-Draft
 $50.56  $50.56
8%  $4.04
 $4.04  $46.52

So there you have it – our budget – we’re back to square one – BROKE as a JOKE and not liking it at ALL!

How does one fix the above?

  1. First and foremost they STOP spending money frivolously
  2. They find a means to bring in more money – we’re working on this
  3. They find a means to take advantage of ‘free money’ (i.e. rebates, things benefits through work cover and such)
  4. They get smarter.

Any other suggestions? Taking them now!

Hope you all have had a good week!

Money Weight Scale

MFP Logo

I’ve mentioned in passing through a lot of my recent posts that I’ve been a course of  losing weight since October 2013 – since that time I’ve lost roughly 44 lbs – it’s been a  lot of hard work, watching what I’m eating, carefully logging everything that goes in my mouth, and every minute of exercise I do (no matter how minimal)…I’ve been using one site to do EVERYTHING, My Fitness Pal (http://www.myfitnesspal.com) and have loved it! The community I’ve found there has been extra supportive, pushing me when I lost my Motivation – picking me up when I felt down – and encouraging/congratulating me when I succeed! Every victory, literally, has been celebrated and I’ve loved it! For someone who suffers anxiety/depression getting outside support and encouragement means the world!

Clothes Mentor Logo So on the back-end of all of that I’ve had major amounts of shopping to do LOL! As my weight has  dropped, my clothing size has also dropped, I’ve gone from a Size 18 Pants/XXL shirts to Size 12  Pants/Medium Shirts – none and I mean literally NONE of my clothing from a year ago fits, it’s all way  too big on me and even with a belt the pants didn’t stay on…SOO I’ve hit the stores picking things up here and there.  My main source of shopping has been Target’s Clearance racks for yoga pants ($18/ea on a GC, size Medium) and Tank Tops (4 x $7/ea = $28.00), Wal-Mart’s clothing section (1 pr of Yoga Pants x $12), some random t-shirts/tanks x $4/ea on clearance and underwear, pckg of 8 pairs for $6; I’ve also hit up a consignment shop in town, walked out of there with 2 pairs of jeans and two work shirts for $48 (one pair of jeans was BRAND NEW Levi’s with the Tags’ STILL on them for $10!!! WOW!) – the only real splurge I’ve had was a good sports bra I picked up at Dick’s Sporting Goods right after Christmas for $35.00…all in all I’ve spent a good bit of our tax refund on clothes – and I still have a long way to go in terms of filling my wardrobe.  I’ll need a new pair (s) of shorts for Summer, a new bathing suit (HELLO BEACH!), some more t-shirts and new bra’s at some point…

PF Logo So how has this affected our budget?  Well since I began this track I’ve done as noted above – spent  money on new clothes – I’ve also joined a gym, Planet Fitness (www.planetfitness.com) – and I’ve added  items into our weekly food shopping for just me (whole wheat bread, I can’t believe it’s not butter light,  sugar free coffee creamer, more fruits and veggies) so those are adding up. I am hoping once I hit  maintenance I won’t have to spend quite as much…we shall see!

Images borrowed from:
http://www.modvive.com
http://www.myfitnesspal.com
http://www.clothesmentor.com
http://www.planetfitness.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!