Barbara L's Personal Financial Journal

Well the government is going to start giving out rebate checks in May. I just glanced at it, but I think I'll get close to $1200.

I under-paid the Feds and I owe $1770. I'll have to reconcile my W4s. I think I messed up because my kid turned 17 and I lost his child credit. Oh well live and learn.

I claim 0 on my State and will get almost all that I paid out back, plus enough to cover the Feds and I'll have a small amount left over.

I applied for the Pell Grant this year. Every year they deny my oldest daughter because I have to file with her. Well I completed the forms and it looks like I was approved. I still have to verify information. Nothing asked for her income on the form, so I'll take her tax forms with me. It doesn't seem right that her income is not counted. I'm thinking I did something wrong. I'll verify everything before I take any money. The last thing I need is to owe someone else money.

All bills are paid so far this month. So far so good.

Next month I start paying on the car that was wrecked.

I didn't know it then, but the moment my Pop died, I started a new chapter of my life. It is titled "Death and the Other Parent".

The chapter starts with survivor's benefits. Mom got to keep my Pop's check, but hers stopped. You get to keep the bigger check. Mom's income was cut by almost a 3rd. She now has $1057 per month to live on. Not enough to cover her bills, rent and food.

Then there is the helplessness factor. Mom no longer cooks for herself. She expects my brother to cook for her - which he dutifully does - then she complains non-stop about it.

Somewhere in the middle of all of that - my brother started taking total advantage of Mom. He lives with her or I should say "off her" as he does not contribute to anything. He paid $300 rent each month before Pop died. Mom complains to all of us about this, yet does not want anyone to step in and talk to the brother. After all "he pays $400 per month child support". When I explained that he makes MORE money then me and my MONTHLY EXPENSES are $3700 per month - it didn't seem to phase her at all. I've already been paying $50 per month to the MOM fund which is to cover her funeral, durable medi-cal equipment, gasoline for the doctor's trips, etc. (My other brother keeps this fund. It used to be the Pop fund.) Then last month I gave her $400 to cover her for the remainder of the month. Which, by the way, is something I just couldn't afford to do.

The end of the chapter closes with the question every adult child dreads hearing: "How much are you willing to step in and take control of the other parent's world with or without their blessing?".

There are two last chapters to this book. Neither has been written yet. The titles are: "Bringing Mom Home" and "The Brother Who Finally Grew Up".

I'll let you know how it ends.

Several years ago, I pretty much stopped indulging in Christmas for my kids. I never really had much, but I always managed toys from the Salvation Army or something. There would be so many presents that they would not all fit under the tree. The kids all got something that they really wanted even if I had to charge it. I remember several years ago, they all got IPODS. Wow, was I ever stupid.

About three years ago, this all stopped. It all stopped because of a conversation I had at work.

The girl's name was Tracy. My mom would have called her an old soul. She knew more then most people would ever know in their lifetimes. She had a lesson to teach and I listened.

Tracy had six kids. Her lifestyle was very similar to mine. Her husband was abusive. Like me, she finally left and bought her own home. Unlike me, Tracy really knew what was important in life and one day, she sat down to tell me.

Tracy told me how her family celebrates Christmas. She said that they would get up early on Christmas day and they would all dress up and go to church after breakfast. When they came home, she would cook dinner and only then, would the kids open their presents. The three oldest at home would share a present and the youngest would get one of his own. To her family the presents were the least important thing of the day.

I had never had an epiphany before and if you never had one, it kind of feels like a feeling in your stomach when you realize that you got an answer that you weren't quite ready to hear and mine almost made me sick.

I suddenly realized that I had it all wrong. Somehow, all the presents I got for my kids symbolized to me what Christmas was all about.

That year I bought each of my kids three presents. The difference in what I spent and what I budgeted for them, they got back in cash. This they couldn't understand. I didn't explain. Maybe I got something wrong.

The next year they got clothes and one present. Yes, they were absolutely shocked. It would be the first with the clothes and still, they didn't understand. It still needed some work.

In year three, I did not get them anything. I was having a hard time last year and there just wasn't any money. The charge card did not come out. Their sister bought them gifts and that was that. I told them in advance, that other then dinner and some candy in their stocking, there wasn't going to be any gifts from me. They accepted it very well and I think it was one of the more special Christmas' that we have ever had.

This year, I have not received one Christmas wish list from the kids. My youngest asked me if they were going to get a stocking for Christmas this year. I smiled and told her yes. I have received more questions about what I'm making for dinner and who is coming then about the big empty spot under the tree.

Maybe this year I finally got it right.

I couldn't believe it. I know I've been paying my bills on time .... but I still owe $7100 to a collection company for the car my kid wrecked and about $11,000 on credit cards and loans

Okay let me start over. I called my bank and told them I was coming in to take out some cash and I would need it in $20's. I give them notice, because if you don't...well the bank doesn't always have the denomination you want.

As always I had to give them my account number and name and I guess up popped on her screen that she had to ask me if I wanted to make a credit card transfer to my bank credit card.

I was shocked. I said "I'm sorry. What did you just say?" and she explained it to me.

Now I am going through a debt management company in order to pay all my debts off. I am struggling to do it, but I'm doing it.

"No thank you I said." Shaking because I'm not supposed to incur any new debt or open any new credit cards. I gave my word.

So I went and picked up the money and I gave some to my mom and went to Target. Well I got to Target and ... now get this... I was moved to an ATM/Credit card checks stand only where the ATM slide wasn't working. NOW have any of you ever heard of this???? All I wanted were a bunch of $5.00 gift cards and I had cash. There was no way I was moving again.

I presented my ATM/Visa to the checker and was informed that I am pre-approved for a Target Visa. "Would you like to put your purchases on your Target Card?" Huh??? What???? "No Thank you. I don't want a Target Visa".

Can my credit score really have improved so drastically just by going through a credit counseling service and paying all my bills on time for the last year? Is that even possible? I paid one of the accounts in collections. I'm paying the other Saturday and I'm starting on the car in January.

Scarey ain't it?

Homemade popcorn and construction paper garlands wrapped around a tree with different colored lights that took my Pop hours to untangle every year. Mom cooking Karo syrup into candy to make popcorn balls and chocolate squares. Real matchless crocheted stockings hanging over the radiator heater that shook the whole house every time it turned on. Hand knitted slippers. A turkey that got bigger every year. Home made corn bread stuffing, cranberry sauce, and mashed potatoes with real turkey gravy. Two or three homemade pumpkin pies. Mom stewed her own pumpkins and I can still remember the smell and the sound of the bubbles as they broke through to the surface of the sauce. We opened our new toys and posed for the family picture. Christmas cards were strung around the house. Seasons greetings from every family and friend that could and couldn't make it to our house for dinner. Santa would appear with a present that was ear marked for just one kid. The one toy we didn't have to share for one whole day. We got to stay up as late as we wanted and Pop would pick us each up and carry us to bed while we pretended to be asleep. He'd pull the blankets up to our chin and tuck them in all around us....

and things don't look any easier.

The insurance company settled with me for my daughter's car. I owe 7100. They settled for 5100 because their insured actually hit 4 cars including my kid. I've started paying them $125 per month. They call all the time and drive me crazy. I've asked a few money wise people what to do. Some of them told me to call and offer them a settlement others tell me just to keep paying them each month. I'm always scared that if something else should happen to me that I won't have any money to cover it. I barely have enough money to pay my bills and put a little money into savings for bills that don't come every month like insurance and propane. The only reason I can even pay them is because I got a $1.00 an hour raise a month or so ago. I don't know what to do.

My daughter is paying for the puppy that had parvo. I only paid $400. So I am thankful for that. She considers him her dog and feels responsible. Did I mention that she moved out again? Things are kind of stressful between us because I'm paying for that car and she's not. I was never going to mention it to her again, but she brought it up to me a few days ago and I told her that I was making payments on it. She asked about the settlement. At the time I didn't have it yet and I told her so. I'm almost afraid that if I mention to her that I got it she might ask me for money. When we argued about who's responsibility the car was, and I realized that she was not going to keep making the payments, I told her to never ask me for money again. She's never asked out right for money, but she has hinted at it. I'm not going to give her money.

My loan for my house is still in the restructure stage, but they told me it has been approved.

I still have most of the last couple of mortgage payments. I used the first mortgage to catch up on all my bills, pay the $400 for the dog, pay my car insurance for 6 months and the registration on my car.

I did take another $1,000 and get new tires (bald), brakes (90% gone), oil change, alignment and a couple of other things for the car. One of my tires was flat every morning. Lately I've been worrying about the car just holding out.

This means with the settlement that I have $8,500 in my bank account in my money market fund. So why am I still very, very worried?

I'll tell you why. I did my budget and I barely have enough money coming in to pay my bills and buy groceries and pay my mortgage which I was told would be increasing 'just a little' with the restructure. What the heck does 'just a little' mean anyway?

I figured out that to feel comfortable I would need to make $300 more every month. That means that I would have to earn 4% interest on $8500. I can only earn that in a CD, which would tie up my money for no less than 3 months at a time. I am not willing to put it into my deferred comp that invests it. I lost money there anyway and it is too hard to get to if something should happen. So there it sits in my money market earning 1.7 % interest each month.

I think I'm just tired. I do all I can and I just can't seem to make ends meet. Every month, it is something else.

Christmas is coming and my oldest daughter asked me to go in halves on a Nintendo video game for my son. Last year I didn't buy them anything, because I didn't have any money. This year I have $200 saved up. I have three kids at home. I told her "no". My share would be $125. I told her that I thought that was too much for my son to ask for. She said she told him that but that is all he wants. I still said "no".

I am also having Christmas at my house this year for the family. We always pot luck it so it's not so hard.

My youngest son who is seventeen, desperately needs to go into his second phase of braces. I'm hoping on getting just a little bit of income tax refund. I claim 14 and I haven't paid my mortgage in 4 months. I hope I don't end up owing money.

On the good side, I am now owe $10,899.41 on my credit card debt. I can hardly wait until that is gone. I thought about paying a big chunk towards this too, but if I was going to do that, I might as well pay on the car. I think I'm better off just making payments and saving the money for an emergency.

I'm a pretty simple person. I don't want a lot. A roof over my head, a car to get me around, food to eat, health, a job, and happy kids. When I look at that list it's really not a whole lot. Looking again, maybe it is everything.

I wonder what other people have on there list and I wonder if it is enough for them.

Do other people go home and say "I really don't want to eat chicken soup again today?" Sometimes that is exactly what I do. I know I'll have to eat it eventually, but maybe, for just today, I make grilled cheese and ham sandwiches. Or do they always stick to their list?

I wanted to go on a cruise this year. It is still on my list. I also want to go to a theme park with the kids and get a family picture taken. It is still on the list. The family picture has become much more important now that my Pop has passed away.

I wonder what it would be like if I had money - like the Hilton family. Would my life be so different? Would my list change so much? I can't imagine it really being that much different. I guess maybe my house would be bigger, the kids would dress better and I wouldn't have to always take that one serving of leftovers to work the next day for lunch.

I don't know. My kids being happy is pretty high up on my list. I don't know if having it easier would make them that much happier. Just in case I'll keep playing the lotto every once in a while. )

I guess, overall, I'm pretty happy with my list.

I did my budget for November and December yesterday. There is not a whole lot left over, which shouldn't surprise me, but it did anyway.

I will have about $400 left each month for food, gas and my kids school lunches and bus passes. Life is actually easier when they're in school.

I just don't know how I make it month to month sometimes. My stupid debt is now less than $11,000. I should be overjoyed, instead I still see that $316 monthly payment going out month after month.

I did do some things which I am proud of. I am now giving my brother $50 per month to help out with my mom. I also paid the entire six months of car insurance so I wouldn't incur the $30 late fees for three monthly installments. I am also puting $25 in a savings account each time I get paid. I just started this, still, it is a step in the right direction and one I wish I could have done months ago.

The car insurance company wants to settle on the car. This will still leave me over $1,000 in the hole. The finance company wants their money right now. I'm hoping they will settle for what I get. To catch everyone up - my daughter did not have insurance on a car that I financed for her. I am afraid I will be sued. My daughter has not made a payment since the car was wrecked in June. I've tried talking to her, but she will not listen to me. I am holding on to being angry about that and I can't seem to let it go.

I went to see my Pop's grave yesterday. There isn't any grass yet or a headstone. Just a maker. For a little while I felt better. I think it is going to look really nice.

Yesterday I went home after just a half day of work. My daughter had her ortho appointment and I asked for the rest of the day off. I'm wondering if I just went back to work too soon after he died. He was just laid to rest on Monday and I went back on Tuesday. I stayed home all last week. I thought that that was enough. Maybe not.

I'm thinking about trying to publish my story I wrote. I don't know if I could take rejection right now. Maybe I'll wait a while.

I'm thinking about writing a blog on "How I... Maybe I'll win the $25.

My father passed away on Saturday, just before 6:00. He was an awesome father. He went into a coma and I asked the nurse to turn off his heart medicine. The nurse called the doctor and he said okay. My mom, brothers, sister and her husband, and my oldest daughter were with me. He died an hour and a half after we stopped his heart medicine. The day before he slipped into a coma, he asked my mother to turn off all of the machines.

He told us that it was going to be okay.

My mom held his face and my sister held her had over his heart. We all were touching him. He slipped away very very peacefully.

Cost of funeral = $5900 / $1475. No insurance and I will be taking some of this out of my deferred comp.

During one of his moments of incoherency, he called my brother Lou Gehrig. My brother wrote a tribute to my father. He said that my father was the luckiest man in the world, and he can only hope, that when it is his time to go, that his family will be as brave and loving with him as we all were with my Pop.


My mortgage company doesm't want my house back. They are going to try to restructure the loan. If that fails then I'm going to take out all of my money in my deferred comp account. You are allowed to make emergency withdrawals.

Cost to restructure loan = 2333.00 (includes one month payment)

Even though my puppy had 3 of its five first puppy shots, he still got Parvo. I was devistated. Somehow, he managed to pull through, and by the 3rd day he came home with lots of medicine. He came home the same day my father went into ICU.

Cost $1800.

I am putting my mortgage checks into the bank to pay the $2333.00. They won't take them anymore except for the full price owed.

Hopefully this is the end of a really bad year that started in November of last year.


I don't think I can manage another year. I feel like before I can get over one thing, something else happens to me.

For instance, I went to the doctor today because of my neck (see many articles below about my neck)..... I also have a ganglion cyst on my wrist, that is spreading sideways. So I had to go and get x-rays. They are going to refer me to an orthopedic surgeon. I guess I might have to have surgery. I feel like a half empty glass that never gets the chance to fill all the way up. Every time I try to get better, something comes along and shakes the glass again.

Doctor put me on an anti-anxiety medicine. I didn't even ask for it. He said it also might help my neck and my headaches, and maybe help me sleep again. Who knows?

Walk in peace

I just realized that our union negotiated raise of 3% will be on my next check. I am so happy. Struggling over my daughter's braces payment will finally stop. I forgot all about that raise until now. I probably wouldn't have waited to start her braces anyway.

New credit card balance is $11,259.47. I pay $315.36. It will be paid off in December 2010. This makes me absolutely sick considering my interest rates are 12% and 7%. Which I guess is not too terribly bad. I'd rather be buying a new car, or pay my house payment down.

Since I started the debt management program, I have not put aside any money. Now I will try to do this each time I get paid again. I'm in a much better position now. That $100 really is going to help. Also I have two collection accounts that I want to pay off. They don't total much.. less then $300. I do want to pay them off.

I have also been trying to figure out my income tax refund. I think I should get back a little over $1,000. I'm going to try very hard to just set this aside in a savings account. My money market has been empty for almost a year. I'm surprised the bank still keeps it open for me. It would be nice to have a little something in there again.

Lots of things have been happening to me latey. I got behind in my mortgage again, my father was diagnosed with terminal liver failure, my daughter wrecked the car I financed for her and didn't have any insurance, I had to put my other dog to sleep and I adopted two more, and I think my mom is going to come and live with me when my dad passes on. I had a lot of money fires to put out and that is why I got behind again.

The car insurance for the girl that hit my daughter hasn't settled yet. Chase bank has been extremly nice about this.

Maybe my most important money decision that I have finally made up my mind to do, is to not help my oldest daughter anymore with ANYTHING. I made her pay me rent for one month and she moved out again. My exact words to her were "My door will always be open to you; however, each time you come back home, you come back a wreck and it takes this family 4 months to recover. This can't happen anymore. You are 23 years old. You need to make it on your own. You always say to me that you are an adult. It is time you started acting like an adult and taking care of yourself and paying your own way. I love you. I expect that this time you will not come back home when things start getting hard, I expect that you will work through your problems like adults do.

Yes I scripted it out and tried to remember it. When I had a moment to say it to her, I almost said it verbatim. Was she shocked? Oh yeah, she just took it for granted that she could come and go as she pleased, whenever she pleased, and always have me to fall back on. I wasn't paying my bills so that I could help my daughter. My little kids were suffering. The final straw was when the car got wrecked and she didn't have it insured. What a mess.

Anyway, I can still see the light at the end of the tunnel. It is a long way off, but I still can see it and it's not as dim as it once was.

Walk in peace

My cat Gizmo got really sick and I put him down yesterday.

He was such a good cat, but always he had something physically wrong with him. He bumped into things, never really rough housed with the other cats or dogs. He sometimes acted like he was blind or deaf or both. He never jumped on things. He purred all the time and slept with my son. He was such a good cat.

He'd been a little wobbly lately. Almost not walking. I took him to the vet last week Friday. He got vitamins and super food paste and prescription food. He had been getting a little more thin and dull looking and a little more wobblier than usual.

This last week he stopped walking. Wednesday he stopped eating. Yesterday morning he was stiff, except for his head and his big yellow eyes that would follow you everwhere you'd go. His little tail barely moved.

My son held him in his lap on the way to the vet. I told him what a good pet he'd been and how much we all loved having him with us. His head kept falling down and my son held it up and he looked right at me like he understood everything I was saying.

My son didn't want to go in so I took him. Before the vet released the tourniquet on his arm, I kissed him on the temple and told him how much I loved him. His little paw opened up and kind of wrapped around my finger...

I love you Giz. Rest in Peace.

Tomorrow I write the check for $250 for my little girl's braces. I wish I could have said that I had it all saved up, but I don't. I'll be stealing from Peter to pay Paul.

My son brought home a little kitten. He named him Lily, until I noticed he was really a Charley. Poor baby was so starved it chased my mean cat away from the food while she was eating. My Jack Russel loves him. My Aussie just ignores him. I think he is growing on the other cats. He was a little shy at first until the Jack Russell crawled towards him on his belly and put his nose down with the kitten's nose. Now they are fast friends. Funny how animals are.

I got $27 from turning in my cans and $22.10 from Treasure Trooper. It bought groceries. With that, and what I have in the fridge, it will have to do until I get paid again in two weeks. I don't think I'll do Treasure Trooper again.

I'm just so tired of worrying about paying the bills. The new kitten and the flowers in the garden have really cheered me up. Gardening and playing with baby kittens will cheer just about anyone up I guess.

As my mom always said, "Tomorrow is a brand new day and you get to start all over."

Just a warning.

I finally earned my $3.00 on Readrevenue and I requested payment. I have now emailed them 4 or 5 times and told them I have not received payment. On April 11th, they posted they paid me. I emailed them again and told them I was not paid. I told them to remove the fact they they paid me from their payment board as I feel they are using me as an advertisement.

They have not removed my name. They have not responded to any email requests and they are still sending me up to 20 ads per day. I told them in my last email that I would post on my blog and all the web sites I am on that they have not paid me. Apparently this had no affect.

I went on my other board and there is a whole conversation about how readrevenue has not been paying lately.

So be warned!

$3.00, I know is not a lot to some, but it is a lot to me.

Slowly the debt is coming off. My new amount is $11,333.30. My beginning balance was $11,871.73. I have to keep saying I think I can. I think I can.

I will never debt again.

I read in the local paper that San Bernardino County, CA has a 26% increase in mortgage defaults this year compared to this time in 1990. I wonder what that compares to for last year. I remember the early 90s. It was ugly. There weren't any jobs. If something isn't done soon, I worry that we will go into a recession by the end of the year.

"I can do anything I set my mind to. I know this because I have done it before."

That is definately one of my favorite quotes.

Dear Fellow Sympathizers,

I had a yucky yucky day.

It all started last night when dd reminded me she needed a TB test read by Friday for her to pick her high school classes. Missed 1.5 hours of work. She actually got two shots. The new HPV for girls and her second Hep A. I thought she did very well. I have to go back on Thursday to get the TB read.

A new employee I have is almost ready to graduate from school and she has been in the "field" now two days. She is about to drive me insane. She asked me today and this is a quote, "How do you know if it is a Spanish form?" Being the ever clever one with my verbal skills, I said, "If the words are in Spanish, I'll bet a dollar to your dime that it's a Spanish form." She is gone tomorrow, comes back on Thursday and then is gone until 4/12. She asked me if I was going to buy her flowers for her graduation. I am just totally 'agog' with this woman. I even called the instructor to see if she was really going to graduate. She is.

I also found out that my very good friend's daughter was just diagnosed yesterday with cervical cancer. She is only 23. The same age as my oldest daughter. If you pray, can you say a prayer for her? She has an appointment next Wednesday with the oncologist.

I figured my credit card balances and actually owe a little less than I thought. I currently owe $11,625.30 in Stupid DEBT. Just think all I have to do is pay 1,625.31 and I'll be below $10,000.

Comcast credited my account $105 today. I think I can give credit to my bank. I wonder if they can just take money back if it's paid electronically?

Now I'm shopping for a new internet provider.

My paypal account was just credited $5 for a survey. I have another $5 coming and I have $7 available on a survey site. The $7 one is tranisition to paypal so I'm waiting to request payment.

Other things are beginning to show progress. It's slow, but progress non-the-less. Money is money, right?

I've decided that I will count money as I receive the check or it is credited into my account.

Well, Comcast Cable still has not credited my internet account. I was paying the wrong bill on-line, my phone (that I cancelled in 11/06) instead of my internet. I had to get an extension to keep my internet on until I get paid again.

Now my bank is involved because I paid it on-line. Customer service people are involved at Comcast because they believe that my other account should have been credited. Apparently my money is out there floating around in never never land. Cashed by Comcast with no place to put it. A literal virtual money land.
$105.00 missing.

As soon as this thing is rectified, I'm canceling and going to another service. They are now Time Warner Cable. I really don't like them. Live and learn I guess. Sometimes it doesn't pay to try and save money.

I got my propane bill. $322. Trash bill will be coming soon and to top it all off, I think OT at work is stopping. Oh well.

I now officially have $10 in my paypal account from surveys. I will be receiving a check for at least $20 from another place the beginning of April. Plus I have 3 paid to reads that I've been doing. I earned $10 just for joining one. Yeah, I did the research. I didn't think I'd get the survey money but I got that...so maybe the others will pay off too. I also got two coupons. One for $3.99 for creamer and one for $3.00 on those new greenie dog bones. I absolutely love free samples! Oh yeah, I did another $2.00 survey. This survey is still showing open. I do understand that sometimes it takes a while. Every little bit helps.

My goal is to earn a minimum of $129 each month to pay for my daughter's braces.

I've also joined a submit and be paid for short articles. I think I can write. One of the subjects they're looking for right now is terrorism. I don't know anything at all about terrorism. I'm hoping they eventually have something about xeroscaping in Southern California, poverty, single parenting, cactus or personal finance. I could probably wing those with just a little research.

In the mean time, life is still really hard. Propane truck came and filled me up. I'll get the bill in about 10 days. For two days in a row, I've declined lunch out with other employees. I rarely go anyway so I don't think that I shocked anyone. I have $27 in my wallet, another $5 or so in my change jar, $6 in the bank and about 6 white bags of cans and bottles. With missing overtime hours on Friday and last week, life is going to be a real crunch when I pay the bills next month. So far I really like saving all the checks and paying the bills once a month. I've only done it once, but I was really happy with it.

I saw a bumper sticker today that said "She who dies with the most shoes wins" I personally probably wouldn't call that winning, but to each his own. Right?

Hi fellow bloggers,

Ended up at the doctor's office on Wednesday. I couldn't seem to get out of bed. Oldest daughter took me. They gave me a sample for new muscle relaxers. The spams stopped almost instantly and I didn't get the normal shot. The residual pain is still there and neck is very stiff. OUCH. I called in to work and told them that this time I'm not tearing up the doctor's off work order, this time I really am staying home. My neck really hurt. I also got one oxycodone. So managed the drive home without crying. Pain didn't go away, but I no longer cared. I haven't filled my prescription for the muscle relaxants. I still have one left and then there is the old stand by "motrin". Woke up with a really bad headache. It's probably related to my neck being so stiff.

Took my kids to the dentist on Friday. Younger son has six cavites. (He is the candyholic.) He asked about clear fillings and I told him there is no way. It's bad enough he has 6 cavities. Other two were cavity free. Dentist told me that my little girl needs braces. How funny. I told him she starts in April with the expander.

My new balance on my stupid debt is $11,579.39. My check will be short as I missed overtime on Friday. Oh well. Maybe I'll volunteer a Saturday. I've come to the realization that I may never have money again.

I did some paid surveys. I'm hoping I actually get paid.

Well back to the couch I go. I don't know why I'm more comfortable there with my reading pillow. I don't know how I'm going to manage 9 hours at the desk on Monday.

Happy St Patrick's Day.

Hello Dear Blogging Family,

My poem is getting published! I know hundreds get published every year but I am still just thrilled that mine got picked!


I'm so happy!

Hello all,

I paid all the bills for the month except my internet. (still waiting for the refund for paying into the wrong account)

I'm trying to use a new budgeting system where I save all my checks then just pay all the bills one time a month. Things look different in my check book now. It seemed like before that I was setting aside money for bills, now it seems like I'm setting money aside for me. Kind of like reverse psychology saving up those payroll checks in my check register. This month I'm going to deposit them into my money market account. It won't be money market earnings because I won't be able to keep $2000 per month in there, but it will still be earning some interest while they sit and wait for bill time.

My oldest daughter spent some time in the hospital this week. She had pneumonia and bronchitis. A very scarey combination. She is better and was released Wednesday night.

Only 45 more months to go until I am stupid debt free (12/2010)!

My little girl is having her birtday party tomorrow. I'm trying to keep it as budget friendly as possible. My family comes over and we will have sandwiches, cake and ice cream. She also invited 7 friends. I know, she had some who couldn't come, then they could come and now she has 7. I just didn't have the heart to tell the kids they couldn't come.

I hope you all have a happy healthy weekend.

Hello Fellow Bloggers,

I am still trying to come up with ways to save money.

I'm going to cut grocery shopping again. I've been trying an outlet store and WINCO's . Seems to be helping, so I think I might be able to cut back on that expense by $20 for the month.

At the outlet I can get two 5lb bags of cat food for $2.84 per bag. It is the good cat food. The dogs have also been benefiting because I can get the really good dog food for about $10 for the 10lb bag. This is about a $15 savings per month. I just wish I could find the really good multiple cat litter for less than the $8.00 I pay for it twice a month.

I bought 3 boxes of dish washer detergent for $2.50 a box. Normally $4.99. Coffee bags for $2.50. Also normally $4.99. Juice and apple sauce is very inexpensive. TV dinners are anywhere from $1 to $2. Rice mixes for .50 per box.

Of course they don't always have what you're looking for, so I go there first and then to the other store afterwards. This week I got there just after they stocked up. So I was lucky to find so much that I needed.

I'm reading a book "Get Everything You Want With the Money You Already Have." It is an amazing book that recommends that you pay all your bills at the same time every month. Then you live on what's left over. I'm going to try it this month. This is why I had a little money for groceries. My mortgage isn't late until the 17th. So I will pay all the bills when I get paid again. I think it will work better for me, than trying to save half of all the bills each time I get paid, so that I have the money to pay them when I get them.

If I paid $315 extra each month on my mortgage, my mortgage would me paid off 15 years earlier.

If I put $315 each month into savings I would have $12600 saved after 40 months - not including interest.

I would be able to afford both my kids going into braces at the same time.

I would be able to save for a cruise - something I've always wanted to do.

Hello all,

We had a meeting at work today. After the meeting, when I was passing out the extra food back to the employees that brought it, one of them said, "Oh just throw it away". I said, "There are six burritos left." She then told me if I wanted them, that I could have them. So dinner tonight was on the her. It is always very difficult for me to believe that people do things like this. If it was me, at the very least, I would have frozen the burritos to eat later.

I just can't believe that people are so wasteful.

I remember saving for my first house. I saved bread ties, plastic baggies for reuse (only if they didn't have meat in them). I remember that if I spent more than $5 on dinner I thought I was wasting money. I remember budgeting beans at least twice a week. Some of it was to save money, some of it was because I didn't have a choice. I managed to save enough money that when I got divorced I managed to buy a house with a conventional loan.

Looking back, I think I can manage somehow, to have another $125 in my budget for my daughter's braces. I don't think I'd give up internet or cable TV, but somewhere there is something that I can cut back.

Lately, I've been taking salad and tuna for lunch or I take a TV dinner. I think I could be just as happy making my salad instead of buying it in a bag. I don't need to buy the TV dinners.

Also, I've been checking appliances at night to make sure they are turned off. I never did before. Maybe that is why my electric bill is so out of control.

Heres the quote for the day.

"Beware of little expenses; a small leak will sink a great ship."
~Benjamin Franklin

Hello fellow blogsters,

Interesting story here

It rained out here the other day and every time it rains we have a good 10-15 toads out on my grass and because we're kind of close to a stream, sometimes we get a frog or two. Anyway. It was kind of dusky and suddenly the frogs and toads started talking outside my bedroom window. Now I always wondered where the toads come from. It gets quite hot here some times. Well anyway, I went out and looked and guess what? They are coming up from the ground! Fighting their way out of the mud. Here I was blaming mice and yelling at my cats and it was the toads. How funny! They must stay underground when it's hot.

I kind of watched for a while and I thought, "I wonder how I'd feel if I had to fight my way out of the mud?" I actually could totally relate it to my life. Topside being the good times and underground being the tough times. You better believe that I fought my way out each time. I bet we all have a story to tell about those hard times.

Back to reality:

My oldest daughter is sick with a kidney infection. She has kidney reflux. So she is not working again, until at least next week Friday.

My boys are gone for the weekend, so just the girls are home. I probably won't cook all weekend except to make a sandwich or salad.

I bought gas today and lent the oldest one money for medicine. She was at the hospital. I guess they'll send a bill for her co-pay.

My neck and back gets better then it gets bad again. I've started taking the motrin again.

Life is still pretty tight for money. I still have faith that I will raise the money for the braces for my daughter.

Well I'll leave you with another of my favorite biblical sayings.

"Now faith is the substance of things hoped for, the evidence of things not seen." Hebrews 11-1

their lived a happy family. A mom, a dad and their four very happy children. One day the dad decided that what was important to him had very little to do with what was important to a family. Mom and dad went their separate ways. Mom got everything in the divorce. The four kids, the dogs and all the bills.

Today I chose to be angry.

My ex-husband does not call. He does not pay child support. When we divorced, he might as well have just died.

Today I chose not to feel sorry for myself and instead count my blessings.

1) My children are happy and alive.
2) My parents are alive.
3) My siblings are alive
4) I am buying the house I live in.
5) I have paid all the bills for this month.
6) I live in an area with a good school district.
7) I have reasonably inexpensive health insurance for my kids.
8) I have a job
9) We will not go hungry.
10)My car gets me back and forth to work and anyplace else I want to go.
11)My little girl likes her smile.
12)My kids like each other and choose to be with each other.
13)My family all live within driving distance.
14)I work eight miles from where I live.
15)I found this forum.
16)This can go on and on....

Today I chose to be happy.

""What we do in life echoes in eternity-Maximus"

Hello everyone,

I am doing one .75 survey each day. In a regular 30 day month that is 22.50. I'm trying to earn that much per weekend. You can only do one .75 per day. Sometimes that's all you get to do. I get denied for more surveys then I get approved for.

I signed up for the Bronze member program in Shadow shopper. It looks pretty interesting. I wish I knew someone else that tried them to see what they can tell me. I really don't want to spend the sign up money if I don't have to.

My son asked me to make macaroni with cheese and hamburger for dinner today. I found out that I didn't have any hamburger. I didn't realize that I was completely out. I did get a few more groceries (after the shopping spree) but the hamburger was all over $2 per pound. I just can't afford to pay that. I'll have to keep an eye out for the sales. I have only about $60 left in the food budget until March 14. My next check on 2/28 goes to the mortgage and car insurance.

We had left over soup from yesterday instead. If I still have soup left after today, I'll freeze it for another time.

I think tomorrow we'll have grilled cheese with turkey slices for dinner.

Worries:

It's gone down to the 40's at night for the last couple of nights and my heater has kicked on. I'm worried about the propane. I haven't checked the tank in a while.

I have until April 26th when DD has her ortho appointment to come up with at least $250 to start her braces, than make the payment of $130 a month.

My oldest daughter just told me she is thinking about joining the army again. She has wanted to do this since she graduated from high school. She will be 23 this year.

Even though I worry, somehow I know in my heart that everything will be okay.

I leave you with one of my favorite bible quotes.

"And now abide faith, hope, love, these three; but the greatest is love."
I Corninthians 13:13

Hello Everyone,

I made $7.50 on the internet. It really can be done! I'm so happy. I have $11.00 in pending approval transfers to me and I am going to do at least one more thing which will bring me up to close to $35.00. This is just over the weekend. $35 per weekend is all I need to get my daughter in braces and make the payment. Plus I signed up for about 15 survey places. I hope some of them pick me for paid surveys. I am also looking at Shadow Shopper. I haven't started that because I don't have any money to pay the enrollment fee. Has anyone tried that? A girl at works husband did it for almost two years and loved the freedom of it.

I'm making beef vegetable soup for dinner. I make it in the crock pot. Yum!

I went to the chiroprator this morning. He adjusted my neck. I can turn it now and don't feel like it is such an effort to hold my head up. It has an ice pad on it. The doctor said I won't have to go back unless it starts to hurt again. This is the first time I've been to the chiroprator since 4/06. Not too bad.

I feel so much better today. Not so worried.

I hope you all have a lovely president's day. It is raining off and on out in So CA.

I'll part with one of the most misquoted quotes I've ever heard.

"The love of money is the root of all evil." not "Money is the root of all evil."

Dear Fellow Blogsters,

Well other than the real pain in my neck. I just got a cut off notice for my internet service.

I called and told them I'd been paying them. Well what apparently happened is that when I changed phone services to another company, I deleted the internet account and not the phone account. So I've been paying the wrong bill for two months.

Now can they credit my account? No. They will credit it back to my checking account in ... get this....4 to six weeks. I had to pay at least half to keep my internet service connected.

I understand that it was all my doing and I told them that...BUT....now that the problem has been found WHY can't they credit the internet account that is about to be disconnected and WHY did they continue to accept my payment each month when I didn't have an account with them?

It seems totally ridiculous to me. It just makes me wonder if I ever overpaid anyone else and they kept the overpayment?

I'm going to be much more careful from now on. Do you know that they wouldn't even credit my account the $1.99 for two months late charges? I suppose you can guess why I don't have them for my phone or cable television anymore.

Well other than this small mishap, it was a beautiful 75 degree day out here in So Ca. I woke up and thought my neck was actually better. It is just now barely starting to hurt, so I took a motrin. The chiroprator appointment is Monday.

Both my sons are gone for the weekend. One went to the motocross in San Diego with my oldest daughter and the other is with my sister. It is a much needed break all the way around. I just have my little girl home with me.

Well I'm going back to the couch. It is somehow more comfortable for me there.

I hope all of you have a wonderful, peaceful weekend.

I'll leave you with something I overheard a customer of mine say one day.

"I can do anything I set my mind to. I know this because I have done it before."

I worked seven hours overtime today. When I got home my younger son (16) wanted to go grocery shopping "just for a couple of things" he said. Normally the kids don't go, they just unload the car. I must have been really tired and the 800 milligrams of motrin I took for my neck pain must of made me numb because I said, "okay" when he asked to go. Now I am sitting here thinking about what I just did.

I spent $200 on groceries. Mostly on frozen convenience foods. Almost nothing that me or my youngest daughter eats. My boys are in food heaven. I didn't even buy catfood.

My budget is $150 for two weeks. I overspent by $50 and on food that I consider unhealthy. I told my son it better last him the next six months because it is going to be a long long time before he sees pizza rolls and honey buns in this house again.

He than said that I should have just told him "no".

No kidding.

On the brighter side, my oldest daughter is giving me $400 on Sunday when she gets paid. I made her car payment so it would be timely. She borrowed $100 and I'll have $60 left over. I'll be able to buy catfood!

Eww! I just noticed the kid raided my change jar. My two quarters are gone. It was the kid I went shopping with.

Our conversation:

"What did you do with the money?" I asked and he said "I bought candy." He just had candy yesterday. I said (still numb from the motrin) "How much candy can you eat?" He replied "A lot!"

Then I told him not to do it again. I became very free with that change jar. Now that I'm trying to save money they had better stay out of it.

Its been a while since I've had a motrin, so I'm going to take another and lay down on the couch.

I hope you all had a wonderful money day.