Archive for Family

Site Update

My site was brought down temporarily for a few links that were displayed. I guess the WordPress Gods don’t like certain types of content. I have rectified the situation and removed the content. Hopefully, everything will be fine now. I’ve also updated my side bar with new “My Savings” and “My Debt” information. My Emergency fund had a set-back sometime ago and I’ve just now managed to get it back over my original $1,000 goal. I’ve also started a Car Insurance/Maintenance fund so I can pay my car insurance all at once, which should give me a small discount, rather than paying it monthly. I also plan to first use my cash back credit card to pay for the insurance, and then pay the card off right away so I can get the rewards.

My debt climbed up higher than it was. Mostly due to the fact that my dogs all needed their updated shots and Heartguard and flea/tick medicine. That stuff is very expensive. I think from now on I will get the medicines over the internet through 1-800-PetMeds or another site like it.

It’s been raining here the last few days. I like rain, but can only stand so much of it. Hopefully this weekend will end up drying out. No big plans for now. Father’s Day is on Sunday. I haven’t gotten my dad anything yet. I’m a bad planner when it comes to Father’s Day. My dad always says he doesn’t want or need anything. But no worries, I will come up with something. I hope all of you have a great weekend. If you’re a dad, Happy Father’s Day in advance!!

TGIF!!!

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Weekend Update

My holiday weekend started, for the most part, last Thursday. My mother had surgery so I was out of the office all day. It was just a routine surgery and she should recover just fine, but was in a lot of pain. She had an overnight stay and got out on Friday afternoon. Everyone else had to work on Friday, and knowing that my office has been slow and unpaid time off has been very regular, I went to work for one hour on Friday morning and ended up with the rest of the day off. So I was the one who waited in the hospital for the dr. to release mom.

Saturday I was supposed to go to a wedding 3 hours from home, but because mom was in so much pain, I decided to forgo the wedding and spend the day at home. I did go to visit my cousins’ house on Sunday and go out to lunch with them. My cousin’s daughter is ADORABLE!!! I love her. They’re expecting another baby in August. My other cousin works for in the same financial field that I do, so she works for my competitor. She says she is always busy at work and they are offering overtime. This makes me wonder if maybe I should change companies? I’m not fully vested in my 401k or my pension yet, so I don’t really want to leave. But if I can work for a competitor and be busy and get paid overtime, that would be very beneficial. However, if I were to leave for this other company, I would have to move 2 hours from my parents and would have to start paying rent somewhere. This seems counterproductive to me. Why move to make more money, when I’d just be shelling out said money for rent? Doesn’t make much sense in the long run, but I do eventually want to move to “The Big City” again and have more opportunities.

Monday, I ran a few errands with my mom and then did practically nothing. Lazy I know, but if felt good.

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My Rant

I’m sorry dear readers, but today is going to be a rant day. My brother is an idiot. Don’t get me wrong, I really really love him and I’m glad he’s my brother, but he’s a financial idiot. Financial idiocy runs in the family so it’s not a surprise, but he should be smarter than that. I just found out that my 20 yr old brother, who makes about $13,000 a year has just gone out and bought a new car. Not a brand new car, but a new used car. A Dodge Charger. He’s already had 3 mustangs, non of which had ever been paid off. And now he’s gone and bought this car. His loan is now $18,000 – AGAIN!!! His loan his more than his salary!! Is he insane???? I could just scream. He barely pays his portion of the cell phone plan we share. He doesn’t pay his own car insurance or his health insurance and my dad still gives him gas money.

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Feeling Off

Lately I’ve had this feeling of being off-balance. I don’t know what to do about it. I think it stems mostly from work. I recently switched my schedule and instead of working 12:30pm – 9:00pm, I’m there 10:45am – 7:30pm. It’s been difficult for me to adjust. I’ve been late to the office most of the week. Also, we’ve finally had some lay-offs at work. Approximately 550 people are being let go between now and the end of the year. Thank heavens I wasn’t one of them, but it could have easily been me. I’ve only been with the company for a little over a year and a half. It’s scary. And to make matters worse, I had an upsetting conversation with my aunt about going back to school. She basically wants me to quit my job and go back to being an even more financially un-sound college student. Is she out of her ever-lovin mind?!?!?! With the way the economy is, I need to hold onto my job for as long as I can. I enjoy my job, I like my co-workers, and I love my company. What’s wrong with that? I make decent money. I will actually gross approximately $5,000 more than she will, not that I’m trying to throw that in anyone’s face. But geez!! I know she wants me to do better and be better than what I am, but she wants it for all the wrong reasons.

I did have bigger dreams at one time, but things change. Just because I can’t go back to school right now, doesn’t mean I never will. Maybe I will go back and get into Pharmacy school. Who knows? Right now, I think if I did, I go back to get my financial management degree.

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Weekend Overview

Satuday:

Saturday I found myself in the Emergency Room with my mother for 5 hours. It seemed to be a very very busy day for the local ER. My mother recently had a Tracheostomey and as I was cleaing it, I smelled an odd odor eminating from in her throat. It smelled like infection. So my mother called her main doctor’s on-call nurse & they suggested we go to the ER. We sat there for 5 hours so the ER doc could tell us that she has general respiratory infection and to give her a prescription for antibotics. We could have gone to convienent care for all this and it would have only take maybe an hour at most. Ugh.

Then it was off to run some errands for my parents’ business. Another two hours down the drain. Finally I got home around 7:00 pm, checked my email and then spent the rest of the night watching TV. What a waste of a day.

Sunday:

Sunday was better in a few respects. I didn’t spend the day in the ER, but I did spend 5 hours or so working for my dad. We were very busy. There was a lot of work to get done, and then I had another errand to take care of. Sometimes being the responsible daughter sort of sucks. Why are my siblings never held to the same accountability as I am? Because I’m the “good one,” the “responsible one,” and I feel bad if I say no. Ugh.

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This Week’s Paycheck

$797.15 – Net pay after health, dental & vision insurance; 401k & HSA contributions.

– $30.00 – Emergency Savings

– $40.00 – Vehicle Maintenance Savings

                                                             

= $722.15 – Left for bills & misc.

– $141.14 – Utilities

– $187.28 – Student Loans

– $21.00 – Citibank Credit Card

– $105.00 – Parent Loans

– $31.00 – Investments

– $85.60 – Gym Memberships on Bank of America Credit Card

– $20.00 – Oil Change

                                             

= $131.13 Left Over

I think I might be going to a movie with my mother & sister Saturday night, so I should set $20.00 aside. Also, as always, I need more fuel in my vehicle. I’ll have to set another $40.00 aside for that. I will also need to set aside some money for dog food & treats. My dogs eat like they never get fed. I really need to put them on a diet.

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Debt Consolidation & Reduction

After checking out a debt consolidation company’s website &  the Better Business Bureau’s website, my dad decided to give them a call. I helped him print off all the credit card accounts that we have access to online & helped him get everything in order. My parents have two options to choose from. One that has a much lower payment per month, but will probably negatively affect their credit score. Or one that has a somewhat lower payment per month & probably won’t hurt their credit score. They’re obviously going to take the second option. This option will lower the amount they are paying now towards their debt & will help them get it paid off in 5 years. However, they will not be allowed to own any credit cards. I don’t see a problem with this, but my mom did. She thinks everyone “has” to have at least one credit card. I explained to her that no one “has” to have a credit card & there are many people who have taken the road less traveled & choose to live without one. The perfect example is NCN over at No Credit Needed. He doesn’t use credit cards & neither do a lot of people. There’s a lady that works with my aunt who doesn’t even have a debit card. I know this because back when I worked for a department store, we had this “event” we had to sell fragrance & cosmetic items for & this woman was nice enough to order a few items from me. The only problem was we needed a credit card or a debit card number to charge on the day of the event. She explained to me that she had gotten herself into some trouble with credit cards. After she got herself out of the situation she was in, she vowed never to use a credit card or debit card again. She said it was just too great of a temptation.

I think she’s right. I too sometimes get the urge to spend what I don’t have. I love cosmetics, even though most of them are not good for the enviroment, & I love electronics! I’ve had several different brands & styles of cell phones since I first got one at age 18. I have a habit of wanting to have the newest & best out there. I know I don’t really need these things, but these are some of the things that sometimes drive me to spend money I don’t have. That’s why I think it’s great that my parents won’t be able to use credit for a while. Maybe they will find out they’re much happier without the cards & choose not to get new ones when they’re able to. I would love to go back to the days when I didn’t have a credit card. It’s much easier to talk yourself out of buying something if you don’t have the money or the ability to charge it. I think once I get my credit card paid off that I will cancel all credit cards & try going without them for a while.

And since we’re talking about credit cards…

I posted earlier about my Citibank card offering a 0% interest rate on any balances I transfer until March 2009. I did go ahead & transfer my balances over. So now I only have one card with a balance!!! I can’t really consider my other accounts paid in full until the balances are paid off on the Citibank card, but at least it’s just one payment now instead of several. This should make my budgeting a little bit easier & hopefully I’ll be able to pay extra money towards it since there’s no interest. Once the credit card is gone I can focus on paying off my auto loan. That would be awesome! It’s been several years since I haven’t had to pay a car loan. That is definitely something I’m looking foward to. And I have every intention of driving my vehicle until the wheels fall off, so to speak. I don’t want to have another auto loan for a very long time!

[Edit: Asgreen over at Always The Planner has made reference to my post & has done some research about a company called Freedom Debt Relief. Thank you for the mention! 🙂 The company that my family is using is called Amerix Corporation. They have a satisfatory rating with the BBB. ]

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