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I'm still here

June 20th, 2018 at 01:20 pm

I've just been reading entries lately since I do not have much to update on. I'm still just surviving. Trying to find extra money where I can. My last Bad Loan payment is Friday. $244 will make its way back into my budget. Still waiting for September when I will be positive in my bank account and can work on debt repayment.

I am doing a frugal challenge for July. I feel like everyday is a frugal challenge, but I am still living beyond my means.

Just trying to be positive and see the light at the end of the tunnel.

Another dr visit

June 7th, 2018 at 07:09 am

I'm over the dr visits! Yesterday's visit was for me, for my back. It is still hurting since my accident 2 weeks ago. It wasn't covered under insurance since it was auto accident related. Frown I know I will be reimbursed by the other insurance company, but I don't know when. Got 2 prescriptions.

I am taking my car to be repaired tomorrow and have a long list of to dos for the weekend. I am going to try to get some rest too.

Budget Issues and Me

June 6th, 2018 at 06:57 am

So, it has been almost 3 months since I started here. My numbers haven't changed much. And although I am definitely in a rough place financially, I have realized that "I" am a major piece of the problem. Basically, I have 3 problems.
1) Myself and my unwillingness to make changes
2) My budget
3) Not enough money

1) I am struggling to accept that I need to make some changes. I cannot seem to completely get on board. My mindset has changed. I have the desire to change. But I am not doing the work or the follow-through.

2) My budget. The problem is that I don't have everything budgeted for, but I still buy those things because they are necessary or because I "choose" to. Gas, groceries, and dog food. Those are all necessities. And I just try to come up with money to pay for them. But sometimes I don't and that is why my numbers are not improving.

3) I just don't have enough money. I have to push to have extra coming in. That is the only way out of the hole.

My mind knows what to do. I am staring at the computer screen while I type this thinking "Yes! Get your sh*t together. You know what to do!" But I find myself stuck. What is the major malfunction here.

And I do have a side job that I am guaranteed $50/week. I use that towards the $500 Loan payment and it doesn't go into the bank account at all. But then I think I should work during the week somewhere else. But after a 10 hour day, I am just so tired. I don't know if I can do it. Combined with a household and family, its just a lot.

Anyway....these are today's thoughts.

2 more payments

May 31st, 2018 at 11:44 am

You guys...only 2 more payments and I will be done with my Bad Loan. After 2 more payments (06/08 and 06/22) I will have $244 more dollars a month.

Smile Smile Smile Smile Smile

September

May 30th, 2018 at 11:47 am

September is when I will be out of this hole. The "hole" being back in the black in my account. Of course my goal is sooner but if I don't do anything extra, it will be September. I will have money allowed for gas and food. I will have money for each credit card. I estimated low on my paychecks, just to add a cushion. If I work a full 40 hours, my check will be $50 more than I plan for. I try to always work 40, but lately with me being sick and my husband's injury I haven't always made it.

I found $7 in my paypal account today. I guess I got a payment from Ebates and didn't realize it. So I transferred that to my bank account. I also got 2 amazon gift cards - 1 for $10 and 1 - $5. The $10 one was for signing up for an Audible trial through Exxon Mobil Speedpass. And the $5 was from Saver Life where I won a scratch off prize. So that is $15 I can use toward something. Maybe dog food? Maybe Christmas? Something.

Car Accident

May 25th, 2018 at 06:51 am

Well, I was in an accident yesterday. I was rear ended at a stoplight. I'm sore today on top of being sick. But I'm ok. It wasn't my fault. And they have insurance. So still a lot to be thankful for.

I'm still going to do my orders this weekend so I will have that money coming in. But it may take me a little longer in the kitchen.

Enjoy the Memorial Day weekend. Hope its relaxing and frugal.

Cash coming in

May 24th, 2018 at 06:12 am

Ok here is what is coming in.

$200 order - spent $59.25 in materials
$20 order -
$36 order - spent $18.48 in materials for both orders

Sold 1 item for $8 and I am meeting someone today to sell another for $12.

So I should have $198.27. Not bad!!

$65 of that will have to go towards my dr's appt I had last night. Frown I hate that I am sick, but I am doing my best to power through. And I only went because I knew it would only get worse. So at least I am $133 in the right direction.

Side Note

May 22nd, 2018 at 11:55 am

I really hate these spammy responses that keep showing up on our blogs.

Trying to be smart

May 22nd, 2018 at 08:33 am

I have to go get supplies today on my lunch for my big order on Friday. I brought my lunch but there is no way that I can go to the store and eat my lunch in an hour. So I found a coupon I had for a free pretzel. I'll eat that while I am shopping. Yay for no spending.

I made burgers last night instead of pasta. But we do have leftovers so we will have those for dinner tonight. And I made my DH lunch for the next 2 days and I will eat my lunch from today tomorrow. So I just have to figure out Thursday and Friday.

Trying to make smart choices. Listed 3 things online today. Looking everyday for more things to list. Contemplating selling my favorite art piece. I think I could get $300-$400 for it. I just don't know if I can let it go without a lot of regret.

Some money

May 21st, 2018 at 12:10 pm

I did my side job on Friday and was able to deposit $50. I found $15 so that brought the total to $65. And I found the check I got for my razor rebate and that is $5.99. So I was able to depot $70.99 today. Not huge but its something. I still have my order this week. It pays $200, but I am allowing $60 for supplies. I'm hoping I can come in under budget. But even if I don't, $140 will be nice.

I have breakfast planned for the whole week. I brought my lunch today and I'm having the same thing tomorrow. I'm making pasta tonight for dinner, so I will be able to eat that for lunch on Wednesday. My lunch is some brown and wild rice with Kidney beans, kale, and some avocado. It was pretty filling and I had everything on hand, except the avocado. I paid $1.74 for 2 this morning with some change.

I'm still hoping to sell some items and continue the inflow of cash.

Standing in my truth

May 18th, 2018 at 08:23 am

Well, I have been putting it off because I didn't want to know the truth. I knew the last 3 weeks had been costly and today I know just how costly it was. At the end of the month I will be $1020.64 in the red. I know. Its flabbergasting. I can sit here and list all the excuses why it got that way, but that's it...they are just excuses. I am going to scrounge up $21.00 immediately so I am below 1K. I have a side job today that will pay $50. I have an order that I will make $140 on next Friday. And I am just going to start selling everything I can. $1. $5. Whatever I can make. Because I can't pay off debt until I get out of this hole. And I know we will have medical bills soon so I have to get a grip.

I haven't used my debit card since we agreed to not buy anything. I still have gas. We have food in our pantry and we have enough dog food for at least a week.

Counting down the days until this Bad loan is done. That will free up $244 a month. If I can get in the black, that $244 will make me feel rich.

Lyft?

May 16th, 2018 at 11:20 am

Anyone have thoughts on driving for Lyft? They tell me that I could make $124 driving 6 hours a week. Is it worth the wear and tear on my vehicle? Is it safe? I tried Instacart a while back, but it was a flop. Total waste of time.

Just looking at ways to make extra money. I can't ask for a raise right now. Still trying to find things to sell on letgo. I have $30 in baked item sales this week. But with hundreds of dollars needed, I need to find another option.

Speedpass and Leftovers

May 15th, 2018 at 06:38 am

Today I signed up for ExxonMobil Speedpass. I get gas at Exxon on my way to work. They are having a promotion where if you sign up for Speedpass you get 2 free months of Audible from Amazon and a $10 Amazon card. Plus $.10 off per gallon. Seems like a good deal for me. I put a reminder on my calendar to cancel the Audible account in a month so I don't get charged the monthly fee.

We had baked potatoes left from our Mother's Day dinner, so I made a ham and potato skillet kind of dinner and leftover cheddar bay biscuits we had. My DH loved it. And I told him about the decision to not go to the store unless its milk or dog food. He is on board...so we will see how we do.

Advice for real people

May 14th, 2018 at 01:18 pm

I have been reading lots of articles on the internet about getting out of debt and saving money. But I am wondering where the advice for real people is. (Besides SA) The advice is... travel less, reduce 401K contribution, change your bill dates. ??? Really. I guess if you are not struggling with debt and cash flow, these may be ok suggestions. I only contribute 1% to my 401K. And I do this because my employer matches and I would hate to miss that opportunity. I am definitely not traveling. And changing my due dates won't change anything for me.

Today I changed to paperless statements at Chase so I could get a $5 credit. I committed to only going to the store for milk and dog food. And I listed 2 things on letgo this morning. I have 2 small baking orders this week and am going to try to sell some items at a swap meet this weekend.

I dream of the day that I can go get a pedicure and know that I have the money to pay for it and I do not have credit card debt. I played around with numbers to see if I could see what it would take to get my debt paid off in 3 years, contribute to Savings and our business, and take 3 years off of our mortgage. I would need an extra $168.75 per week. Is that obtainable???

Learning

May 10th, 2018 at 08:15 am

I sure do enjoy reading everyone's blogs. I have been learning a lot and its great to get to know so many people with different stories.

I have been sick. Missed work yesterday because of constant throwing up. (Sorry for the detail.) Maybe stress or 24 hour bug...not sure. Today is better but not great. DH is still down. Hoping he feels better today.

I will try to update on finances when I get through payday and see where I am at.

Thanks again for the support, tips, and advice.

Anybody heard from CB in the City?

Update

May 7th, 2018 at 12:19 pm

I do not have any financial news. I am still not even sure where we are at right now. My planning and budget has been wiped out. I am hoping since my husband has finally turned a corner that I can try to sit down and reevaluate.

We have had 3 ER visits, a DR visit, 2 Chiropractor visits, multiple RXs, and multiple other expenses with medical. Our computer died at home, someone stole our fire pit, an employee quit at our business, a flat tire, and I have some family drama. Sigh. I am trying to deal with it all. Trying to keep everything afloat. I know that it could be worse and I can handle it.

I just want to order pizza and buy a giant Dr Pepper and veg out on the couch. But the plan is to cook something for dinner and work on laundry for a few minutes. But I do want to go to bed early. Hoping for a good week. Smile

Trying to stay positive

April 30th, 2018 at 10:25 am

Well, we are now up to 3 ER visits. Multiple prescriptions. Multiple meals out due to sheer exhaustion. My husband hasn't been able to work this last week. And we found out that he may need surgery for an aneurysm that they happened to find while diagnosing his injury. So I need to come up with $650, which is what my account will be negative now at the end of the month. And a good $9K in savings to support us if he has to have surgery. We have to see a specialist and see when and if surgery is necessary.

I'm not looking for pity and I am not giving excuses. I am so exhausted from not sleeping due to stress and worry and my husband. And I have these great ideas to bake and sell items, but I'm so tired. I guess I will just need to power through it some how. I want to fix this. I want to have a savings. I want to be in control. I really do.

Positive Vibes Only.

Another ER visit

April 26th, 2018 at 11:56 am

Well we had to go to the ER again for DH. The pain is just too much. So honestly, I am not even sure where I am sitting financially right now. I know that we are doing a " keep the change" type thing on your bank account. So it puts change in our savings account each day. We went from $37.00 to $54.00. Its not much, but its a start.

ER Visit

April 23rd, 2018 at 11:43 am

Well, my weekend didn't go as planned. Unfortunately we had to have a visit to the Emergency Room for my DH. He is ok. But we did have some surprise expenses - Prescriptions, extra gas, items for comfort. I'm going to have to look at our bank account and see what we can do.

This is why we need a savings account.

I have done some looking into the future, and we will be in much better shape after June 22nd. I know its 2 months away but we just need to stay positive and try to stay on track the best we can.

In a fog

April 18th, 2018 at 12:06 pm

I feel like I have been in a fog the last couple of days. Mopey, no sleep, loss of concentration fog. I didn't make a lunch and I didn't have anything at work so I bought my lunch...which I really didn't have the money to do. And now I have this guilt. Just a rough day.

I did get an order for some cookies and other baked goods. I have to buy some supplies but I could make about $30 off the order. I also found some pictures that we used to have in our bedroom that I can sell. Seriously need to find some money. (I think I am feeling more pressure since I spent money on lunch.)

Sodas!

April 16th, 2018 at 07:11 am

I am a soda drinker. Not the best habit. But I am spending $1.08 on a soda almost every morning. $1.08 doesn't seem bad until you figure it multiplied by 24 days on average. That is $25.92 a month. That's some gas, or some groceries, or almost my vision insurance premium! So I think it will be a lot better for my body and my bank accounts if I can do something about this. I know I can't go cold turkey, so I bought 8 little bottles for $3.33. So that makes them 0.42 each. So I have already saved $5.28. I can drink free water and coffee at work. And we have water and I can make tea at home. Hopefully I can slow the sodas down and keep the money.

I also am spending money on breakfast and/or lunch. I know I don't have the money, but I do it anyway. Frown So I am really trying this week. I know this is why I am not making progress! But I packed my lunch today and I have my meal plans for dinner. I also have 3 English Muffins that I can have for breakfast with some peanut butter this week. I think this will be better for my body also.

I am really trying to look at every dollar we are spending. When you really look at it, it can be really shocking. The change is hard, but I'm trying.

Happy Friday

April 13th, 2018 at 07:46 am

I have goals for the weekend.
#1 - Finish Taxes (should owe very little)
#2 - Meal prep
#3 - Housework
#4 - Plan garden layout
#5 - Sat and Sun = no spend days

Hopefully I do not have to leave the house after I get home tonight.

Happy Friday!

Evolving

April 12th, 2018 at 12:10 pm

I am finding that my mindset is starting to change. Although my numbers aren't changing a whole lot, it feels successful to be able to pay all of my bills on time this month, including my credit cards. I know I only paid the minimum, but being able to pay the minimum on time is a win this month. I am still in the red as far as my bank account goes. Luckily it doesn't actually go into the negative because of the way things clear (which I am grateful for), but I sure would like to get in the black. I have been able to do small amounts of money and get it down to ($331.85). The changes to my cell phone and Satellite should take effect this month so that will be a little help.

I have 10 dinners and lunches figured out. I have been working to turn off lights and electronics when we aren't using them. I am just trying to be more aware.

For my birthday I got everything to start my garden. Soil, landscape fabric, lots of seeds, and more. I usually have more produce than we can consume, so maybe I can sell the extra? And we will can some for later.

I know it doesn't seem like much, but I feel like I am starting to evolve.

Birthday Freebies

April 3rd, 2018 at 07:43 am

Tomorrow is my birthday. Since I can't pay for any birthday fun, I am hoping to find some birthday freebies in my email. So far I have found a free package of berries, a free Redbox rental, 10X points at Walgreens for the whole month, $20 off at one of my fav restaurants (that is still too expensive to eat at), and a free item at Starbucks. Hopefully something pops up for a free lunch! Smile But if not, I have one planned so I don't have to buy one. The best gift I can give myself is dedication to getting out of this hole.

Grandmas and Parents

April 2nd, 2018 at 07:08 am

My Grandmas were very different. Especially when it came to finances. My dad's mom was very frugal. She stockpiled, couponed, had rental homes, and was financially secure. But she lived very modestly, although she did buy cartons of cigarettes. (But she could afford it) She made her clothes. She did not have expensive things. It had to be really hot to run the air conditioner. But she never had to worry. My mom's mom was very different. She struggled, and lived off of social security. She wasn't a spender or a saver, but I wouldn't say she was financially secure either.

My parents were never financially secure. My dad died when I was 12 years old and my parents divorced when I was 5 or 6. But even separately they never had a lot. I received death benefits when my dad died, but it wasn't until I was 16 I realized that my mom did not save any of that benefit. She said it went towards providing for me. $980 a month? I did get an allowance of $20 a week, and I never went without. But I also know that I had to pay for my own class ring and invitations and other graduation expenses and college expenses. And our utility bills were always late or almost turned off. Even with her working full time and my step dad working full time. Maybe I wouldn't have been in debt in my early 20s if I would have started with a little cushion. I received over $52K in benefits by the time I reached 18.

I need to channel my inner Grandma. Smile Learn the difference between wants and needs. Real needs and real wants.

And here is to April being a new Financial Beginning.

I need wine

March 29th, 2018 at 11:19 am

The further I go, the more wine I need. I can't afford wine....so....water it is or whatever I can dig up at home. Smile

My mom is giving me a spiral so I can start recording all of my spending for April. She has some extras so that is nice.

I collected my tips for this week and I have a jar of change. I don't know how much is in there but it will come in handy. It will go towards the money I need to dig out of my hole.

I'm in a lot of pain today. I'm clinching my teeth, probably from stress. The pain is so intense and the whole side of my face hurts. I am trying to take advil but it just isn't enough. I wish I could rest but I have stuff to bake over the next couple of days. Another time wine would come in handy.

Have a good weekend!

?

March 27th, 2018 at 01:15 pm

I don't know what to title this entry. I am really trying, but I can't seem to get ahead. I tried searching on Decluttr. With all of my books they only offered me around $5. Not sure if its worth it. Maybe I can get more for cookbooks? I am going to try to go through my old purses and see if I have any hidden change. I work 2 days this week so maybe I will get some tips? I do have the cakes that I will sell on Saturday. After supplies I will make about $80. But I feel like I am in a hole. I have to get my account in the black. I don't have any clothes worth selling. We don't have any big ticket items to sell. I have a few things on Letgo, but no responses. I'm working about 50-54 hours a week so I can't add any additional jobs. Ugh. No OT at my job. Anyone have additional ideas? Still not well enough for plasma and no family to borrow from.

I hate to sound so Debbie Downer. I really am looking for ways I could boost my income or make money quickly.

Envious

March 22nd, 2018 at 11:39 am

I have an extra $5 from tips last night. I did more food prep than waiting on customers. But I worked 3.5 hours so that will be $29.75. That goes towards the loan pmt.

I am still pondering ways to collect extra money. Hopefully I can use my time at home this weekend to come up with some ideas. I have taken some orders to sell 5 Carrot Cakes for Easter Weekend. That will be $125 - supplies.

I have to say, I feel a little envious while I read everyone's posts. I have almost forgotten what it was like to have money for a car repair or have $10K in savings. But I'm going to fix this. I know I can.

Under the Weather

March 21st, 2018 at 11:27 am

I worked last night and didn't make any tips. I worked with a new guy and he took some of my orders and I'm afraid that he inadvertently didn't give me the payments, so I was short. Which is why I ended up with nothing extra. We will see what happens tonight.

I am feeling under the weather. I woke up in the middle of the night with a horrendous headache and a earache. And I think all that together was making my teeth hurt. Maybe sinus pressure? Hopefully I can finish my full time job, work a few hours at my part time job and get a reasonable amount of sleep. I'm going on about 5.5 hours, which isn't enough for me.

I looked into selling plasma. Not my favorite idea, but its an option. I don't feel well enough to do it right now and I have to see if I can even get to the office before they close. I'm trying to collect books and DVDs to sell. I sent a message to family members to see if anyone wanted to donate some books or DVDs to the cause. We will see.

The dreaded ticket is sent in. I borrowed the $90.

Found some money and payday from 2nd job

March 20th, 2018 at 12:43 pm

So, I came up with $50 to put towards my ticket that I have to pay by tomorrow. I also got my direct deposit from job #2. It was a little more than I was expecting so I applied some towards the ticket and I put $40 in my bank account. So I need $90 somehow by tomorrow to cover the ticket and I now need $491 to keep my account from going negative at the end of the month. I am a little frazzled. And I am so angry at myself for getting this ticket. I could almost clean up my account with the money that I am wasting on this ticket. Frown But I can't go backwards. I just hope I can continue to make some progress.


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