getting another 4 day weekend here, i found out today that i am getting payed double time on x-mas for not even going in....such blessings i have received! also, the union dues are always paid out of the last week of the month, so the company is paying the dues for us as well.
gotta love it.
i hope everyone has a great x-mas!
last week, i did 20 hours of overtime, and this week i did 9. it was all i could do, and i wanted more.
i know i need to make sure i have time for me and rest, but i want to get going and get out of the hole, you know?
i also got my credit report. i am going to start paying on a couple of no pays i have. i am really stoked, i thought that i had a lot more stuff on there!! i still owe a decent amount(under$1000), but i will get it taken care of in due time.
hope everyone has a good holiday if i don't talk to ya until later!!
just got done with doing 20 hours overtime for the week.
we have a $700 credit card bill due to her car breaking down, then my car 2 weeks later...paying $200/month on it is just aggravating as heck, so i am putting in as much overtime as possibly allowed by work to make sure i get it payed off in hopefully a month.
then i will be back at square one, saving all over again.
hope all is well with everyone.
hope everything is good for everyone. staying warm and safe and everything.
yesterday, our power went out, we packed up everything and went to in-laws to stay for however long. estimates where for 4-5 days. last summer it was 4-5 days too.
just when i was getting to sleep , my wife comes in and tells me that our neighbor called and our power came on!!
so we are back home and everything is good.
i just hope all the ice on the lines will not bring one down(knock on wood) and we are out again.
savings is still coming along just fine, and i am paying off the collection today, so hopefully everything will be takin care of then.
just wanted to give my well wishes to of you in the storm that is passing through...drive carefully, be safe, stay warm, use common sense(how come they call it "common" sense when it is not so darn common?????).
we got hit pretty good in st Louis, thank GOD the power is still on, but i think it might be off soon. save on that energy bill!!LOL!
i have had a great and very needed 4 days off. i am sooo grateful for everything i have been given, and everything was just great.
we went out to eat on thanksgiving at a REALLY nice place and just stuffed ourselves silly. no stress at all no one getting crazy over the stuffing or turkey....it was perfect.
last night i got a collection notice from a phone service provider i had about 8 years ago when i was in college for $128. i will be able to pay it off with savings, and i refuse to let it bring me down. i am just grateful that i HAVE SAVINGS to do this with.
my wife is less than thrilled with my responsibility issues with $ from the past though. i have not lied to her about $ though, and told her that i was not reponsible in the past from the start.
the only thing that i could think of that the phone bill could be from is that i forgot to cancel service or something when i moved out of my college apartment, or i had long distance fees that i forgot about.
either way, it is still my responsibilty to take care of, and i will pay it off as soon as possible. i will not deispute the bill due to the fact that it is entirely plausible that i owe that $, and there will be no way to prove that i don't owe it. so the hell with it,lol. plus, we will be looking for a house soon, and i DO NOT want a collects on my credit.
even though it is a pain, it could be worse, and in a way i welcome things like that happening and reminding me of just how screwed up i was....it is easy for a person like me to get comfortable with things going well like they are and slip right back into a rut and stop being careful with bills and savings ect ect.
hope everyone had a good holiday!!!
keep your chin up!!
happy thanksgiving everyone!!
every year i remember begging my bosses to work me on the holiday so that i can get time and a half....and still barely make it for the bills.
this year i get a 4 day weekend....2 days of which are payed for...
now i am really thankful, i need the break!!
i think i am going to recommend the justice of the peace method to everyone i know...quick and easy.
so i am married now, and things haven't changed one bit. thank god! everyone i know said that the girl changes and everything goes to hell. 3 weeks in and nothing. maybe it has to do with expectations or something...people not getting what they want, i don't know.
no honeymoon, yet. we are saving up for a house.
i put a thread in about how to raise my credit. i want to get a cc, a walmart one or something, and pay that off on time, i know that will help, but i need to get about 20-50 pts higher for a better rate on the loan within 6-12 months. any ideas?
time to catch up on all the other threads, hope all has been good!
hey all, just a quick note to let you all know that Kohl's is having a heck of a sale this weekend.
first of all, i know i should have written this on thursday when it started, but i have been really busy, and am just now starting to get things together and good to go and caught up(for obvious reasons)(i will write more about the wedding and this last week tomorrow)
anyways, kohl's is having a 30%-70% off sale. i bought my wife a pair of $100 earrings for $26.32.
clothes on sale too, everything on sale.
hopefully this is not too late, and if you need stuff for kids and all that for school or whatever, now is the time to get it.
well people, the big day is Monday. after looking at our finances, and realizing that we are so strapped, which things are a lot better now than they were when i first came here(A LOT BETTER!), we decided to get married early due to the fact that my fiance's work does not offer insurance.... i just got insurance at my new job.
we pay $200/month for her insurance, and it is just killing us(along with her $300/month car payment). all of the overtime i am working is BARELY covering the insurance(our finaces are right on with my regular time at work, but the overtime was paying just enough to cover the insurance). all of a sudden, work is getting slower and no overtime is available, therefore putting us way below our financial needs.
my insurance is $70/month for me, and $70/month for her. so we will be going from $270 to $140/month, which will give us a lot of breathing room.
of course, this is not ideal, and we are keeping it from a lot of people to not take it away from our wedding in june, but it is either that, or reducing her coverage, and if something does happen, then we will owe a lot more, or her not having coverage at all, either of which is not an option.
i think this is the smartest thing we could do, and the lady at the courthouse says she sees it all the time. we are not having it published until june, and like i said, parents and close families are going to be notified, that is all.
keep us in your thoughts and prayers on monday!
finally an electric bill that is decent!! $75 is alright with me!
i have 1 more month on probation with the new company that i work for, and i have health insurance as of right now, for the first time in 3 years...i will finally have a regular doctor!!
all for now, hope everyone is good to go
alright, those of you out there that love cats already know this, but as i was going through the check out line today, i said what the hell, and bought a $3 laser pointer....
it is the most relaxing and funniest thing i think i have ever seen in my life to see the cat go ape over this red dot she cannot touch or smell....
trust me people....it is HIGHLY theraputic!!!
things are good around here, just saving and saving more, hope all is well with you!
i worked 17 hours overtime last week, and really looked forward to this paycheck today....it should have been really good.
but, i had $50 taken out for union initiation fee, and then $45 taken out for union dues in this one check!
soooo....3/4 of my overtime went to that!
oh well, think about how my check would have looked if i had not worked the overtime. that would have put us in a fix for sure.
hope everyone had a good labor day!
this week i did 17 hours of overtime. it is good because it is going to pay off some of the credit cards before they are due.
it is amazing, but my fiance and i are talking about buying a house in the next year, and i am looking into saving $ for retirement. after the last 2 years of having no money and being dirt poor, i am truly grateful for my opportunities.
to all of you out there that are going though hard times, i truly beleive that everything happens for a reason, and that i am a better person having gone through the last couple of years.
keep strong, stay with your goals, and only good things can happen!!!!
oh yeah, and my new favorite saying...."the hell with the Joneses!" make yourself happy, not everyone else.
alright, the brakes are done this last weekend. cost($130) for everything.
fiances insurance is next, , and then we need to start working on the credit cards even more than we are($700). we had a bunch of stuff come up like it always does when you put off the things that need to get done, and then you have $.
it should take about 2 months to pay it off. no biggie.
going to buy a new furnace filter after 2 months, it is filthy already, so that will save $, we just have to make sure that things get payed off.
that is all for this week.
ok, got my 2nd paycheck from the new job, with the 10 hours of overtime.
it was nice....wow. of course, it is almost all gone now though!
1st goal: pay back parents for 1/2 of 6 months of car insurance i didn't have 2 weeks ago($150)(didn't have first paycheck yet)
2nd goal:get new tires($200), i have let a lot of things go the last couple of years just trying to make ends meet, and i am trying to take care of the most serious things first...bald tires, not good!
3rd goal to come: new brakes(brand new everything for brakes)(they are grinding, but it is my fault because i had to cut corners the last time, and it lasted me around 2 years)rotors, calipers and pads. good news? best bud is doing it for free, cost of parts should be around $140, cost at the shop...??i think around $400.
4th goal:fiances health insurance, $200/month, not due for a while, at least not until 2 paychecks from now.
then, after this is taken care of, we look at her car....but it is not in as bad a shape as mine(i let it go...rent and electric is more important than tires and brakes)(until they get real bad,LOL). then make ideas as to when to pay that stuff off, whatever it is.
once this stuff is taken care of, THEN it is time to start saving more.
of course, stuff will come up, but that is what the emergency fund is for, right? gotta get that done,too!!
hey all! time for my weekly blog.
i have made a decision...that i am dropping my class this semester due to the fact that we need to make more $. currently, i am being offered a ton of overtime(26 hours in 3 weeks), and it seems like the end is no where near to it. it is tiring, but i do not want to live like i have been and have the opportunity to end it with hard work.
my class would be at 8am, with me getting off work at 7am...no overtime on monday, wed, and fri. financial aid is a joke...giving me about $100/month(seriously!), and i can make about $400-$500/month extra in overtime.
I had to promise my fiance that i WOULD go back to school, but right now, we are in a crunch, and i beleive it is the best thing for us. priority #1...fiances car getting payed off. it can be done in 6 months if all goes to plan. it probably won't go to plan, BUT, it will get payed off faster than a year.
i really want to get my degree, but some sacrifices need to be made if life is going to get better. this is no longer all about me, 2 of us are together now, and i need to think about our well being now.
now let me read all the other blogs and see how everyone else is doin!