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Archive for February, 2008

NS crashed by strep throat

February 28th, 2008 at 05:04 am

Okay, ya'll would be VERY proud of me, I was on a NO SPEND STREAK!! Three days! Holy cow! But DD1 had to go in for a strep test today, plus the antibiotics, plus the throat spray, a water, well you get it. Not too bad, but I did splurge and buy DD2 and 3 some McD's for dinner. In a hurry, ya know.... Anyway, got $327 back for the refinance on our house. Will carefully see which direction to send that in. Still waiting on checks for the ammendment of our taxes. Not sure how to check on that?

Ice, no spenders and Girl Scout cookies!

February 26th, 2008 at 04:57 am

Help! We've been trapped inside with no school, no spend and cases of Girl Scout cookies. Ummmm..... life is good??!!

It was easy to have no spenders, but Saturday we got OUT and had SPECIAL OCCASIONS and Sunday we were BUSY and had to go SHOPPING. Well, you get the picture. We did spend, but not too much.

Wow the ice storms were nuts! And now more snow is supposed to come tonight. Please, please, please, make the kids go to school.....please!!!

Babysitting tomorrow. Good for the pocketbook, but not so good for the fybromyalgia. Ugh, the pain and all the other fun symptoms have been really flaring up this month. We did eat out too much, shot one of my goals down. At this point it is called survival.

Hoping to fix the wreck of Sat/Sun and make another snowflake payment to the Amex!!

CC due dates moving BACKWARDS!

February 21st, 2008 at 06:41 pm

Yes, I have to keep a close eye on this. My Citi card payment has been moving backward. I make a budget each month and write down payment due and due date. Now I know that a due date can change because of the weekend or holiday, but then it has been staying earlier the next month and if it adjusts again, it stays even earlier! So yes, I had to pay $39.00 in a late fee. So far they have not raised my interest rate because of it, but I am keeping an eye on it. So I looked at my March budget and made sure to back up the payment AGAIN so it won't be late next month. Tricky sons of guns are'nt they??

I did make my first "snowflake" payment to the American Express. Yeah! March will be sooooo tight unless we get the amended tax return money, that I will have to be very creative making REGULAR payments, let alone any snowflake payments, but I will try!! I took a couple days babysitting jobs. It doesn't pay much, but it is better than nothing!!

My weekly yada yada

February 20th, 2008 at 12:58 am

Sooo... anyway, money wise we are doing OK. Nothing great, just OK. I am still waiting for our amended tax return deposits. We also did a refi, not a whole one with money out, just one with a better interest rate and it was a no cost one, but they will be sending what was left in the old escrow account, so another $800 coming in to send somewhere. Did dip in $300 to the savings account. Something is always coming up. There was another meat sale at the local store and we were almost out of our stash, so a $100 resupplied that. Except for fresh fruit and milk, I really have a load of groceries to last us a while! As soon as I get paid I will make my first "snowflake" payment. It sure won't be much, but it will be a start!!

Recalculations!

February 15th, 2008 at 03:33 am

Well, in reviewing the "ugly debt", I decided to move a hunk of the Amex to a 6.9% Chase interest rate good till the debt is paid. So I will throw $11,000 on there and make the left over amount the object of my snowflake, as it is the highest interest rate. So, housecleaning already!!

Valentines on the cheap.... oh yeah!

February 14th, 2008 at 08:16 pm

DH and I went out LAST night for our Valentines date. We went to Lions Choice, used coupons, and paid cash. Way cheaper than the Outback DH was inclined to! We gave each other store bought cards and I gave him some more deluxe mixed nuts, as he is on the South Beach. Bought them 2/$5, so one for the anniversary and kept one for Valentines day. He gave me some chocolate and a balloon. Perfect! Smile I am going to splurge on the girls, I gave them some candy and other knickknack things I had around (body lotion, get pens, notepads) and I will order a pizza for dinner. We have gotten back to the point where this is exciting to get... instead of expected!!

That's my story.....ugly ain't it????

February 14th, 2008 at 04:53 am

Yes, I have finally gotten my UGLY DEBT TOTAL in order and can face posting them on here. And it is ugly my friends. $45,500 in CC debt. It about chokes me. Soooo, since the beginning of January, the rule has been no new debt. That has been successful although not 100%. My goal is to get the baby EF up to $1000, which I am trying to do with the tax return money. We had to amend our taxes, so who knows when this money will come in. I have decided to attack, ie.. snowflake to DEATH, the BOA first. It has a 0% until May. I am attacking this one as it has the lowest total.

We'll see how it goes. Feels good to finally be getting a handle on it. I know some of you will say, "Holy cow, I feel good, she's got it way worse!" and maybe a few of you will say "Gee, that's not so bad...." Anyway, hopefully we can finally get moving of diminishing this. Don't fool yourself that "Everyone has debt" because that is NOT the way it should be! I can't wait for someday when we are DEBT FREE! I could be a looooonnnnggg time! Stay tuned......

Thats my story..... ugly, ain't it???

February 12th, 2008 at 11:02 pm

Yes, I have finally gotten my UGLY DEBT TOTAL in order and can face posting them on here. And it is ugly my friends. $45,500 in CC debt. It about chokes me. Soooo, since the beginning of January, the rule has been no new debt. That has been successful although not 100%. My goal is to get the baby EF up to $1000, which I am trying to do with the tax return money. We had to amend our taxes, so who knows when this money will come in. I have decided to attack, ie.. snowflake to DEATH, the BOA first. It has a 0% until May. I am attacking this one as it has the lowest total.

We'll see how it goes. Feels good to finally be getting a handle on it. I know some of you will say, "Holy cow, I feel good, she's got it way worse!" and maybe a few of you will say "Gee, that's not so bad...." Anyway, hopefully we can finally get moving of diminishing this. Don't fool yourself that "Everyone has debt" because that is NOT the way it should be! I can't wait for someday when we are DEBT FREE! I could be a looooonnnnggg time! Stay tuned......

$5 off at TGIFridays

February 8th, 2008 at 02:48 am

Here is a link to a $5 off a $15 purchase at Fridays resturant. Enjoy!
http://www.tgifridays.com/Feb2008_5off15_home.htm

I lost $50!! : (

February 6th, 2008 at 02:15 am

Not literally, but I was invited to join a survey chat group that paid $50. Unfortunatly, I had to work late today and get dinner, so I called DH and told him to start getting on line for me. Poor guy is not computer literate and just could'nt make it work, so by the time I signed it, it was 6:01, one minute late! So I was bumped from the survey. Bummer!

State refund already came!!

February 5th, 2008 at 04:54 am

Wow, less than a week later! Now that is service! I already have planned out how all the refund money will be allotted, so I just consulted my chart and sent out a payment. Payday is tomorrow too! I again will just follow the pay off schedule. I have been following my meal plan, but I have to redo it because I forgot about Lent! Got to change my Fridays meal plans!

Two no spend days in row! Woo hoo! I do need some hairspray desperately! It was 75 degrees today! Humid weather and no hairspray equal disaster! Good thing it will be snowing again in a couple of days!

Happy Anniversary, Paid in CASH!! : )

February 3rd, 2008 at 06:12 pm




My DH and I have been planning for our anniversary dinner for a couple of months! We ended up with 4 $10 gift cards to Red Lobster and $5 from a survey I cashed in, plus a $4 off coupon! So with an extra $20 we had in cash (in-laws gave us some anniversary money), dinner was paid for! YUM! IN CASH, felt sooo good!!!

We picked Ground Hogs day for our anniversary date, so that my husband could remember it, but it was'nt as mushy as Valentines Day! Smile Oh, eighteen long wonderful years!

February is a great month to set goals!!!

February 2nd, 2008 at 07:35 pm

For those of us who have a hard time setting and acheiving goals, February is a great month to get moving! (It's short!!!) So, my goals are:

1) Use tax refunds to fund the EF to $1000.
2) Eat out no more than 8 times.
3) Use tax refunds and salary to cut down debt by at least $1000.
4) Assume no more new debt.

Whew!! For a non-goal setter, 4 is the max I am going to try for. Revisit on March 1, to see how I did!!

Wow! The weatherman was RIGHT!!!!!

February 1st, 2008 at 09:03 pm




We received 8 inches last night. Fun to look at , but already melting. Every school in the region was cancelled so the kids are having fun in the snow! We are lucky to have a big hill on the side of our house, so that is where the neighborhood kids gather to sled!

Thats DD3 on the right and the neighbor girl.