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Weekly Update

June 11th, 2018 at 12:20 pm

I paid both of my personal credit cards down to $0. Which is great considering I just got the statement today. Wednesday when I deposit my check I will also pay the monthly minimums of the house CCs.

Goats have started selling. I have over $1,000 put back for hay. (Need $1,500 total for the year.) Once I get the remaining $500 set aside, I will start applying the goat money towards fixing the fence. I am hoping if I can get all my kids sold I will have enough to pay for it out of pocket.

Besides that not much to report. Hoping for a relaxing and calm summer.

Flying Cars & Horrible Week

April 19th, 2018 at 06:16 pm

So a lot has happened.

#1 I booked a girls weekend trip to Florida on our remodel deadline as a push to finish and then celebrate... Maybe not the best idea, but I do get free housing and we are doing red eye flights for cheap.

#2 A brand new camaro missed the curve, ran through about 200 feet of my fence and then ramped over my dam and about 50 feet out into my pond. They must have been going over 100 MPH. The car sunk. The people managed to swim to safety. Driver and passenger were unharmed surprisingly, just cold and wet. They came inside to warm up and I gave them some clothes. Police, firemen, EMTs showed up.

Well they got the car out the next day. Which was fun to watch. But now I have 40 goats without a pasture to eat and no hay. No one has hay this time of year. Pond is likely unsafe due to antifreeze and other fluids leaking. Vet says wait at least 2 weeks. Fencing guy can't come for a while to replace fence. Had to go purchase $500 worth of supplies and had friends help me fence off part of the yard so they had somewhere to go temporarily.

Well today I find out they likely don't have any insurance. Frown Frown Frown

It is going to cost me about $2,000 for the temporary fence and to replace the original. Not counting labor, stress, time, etc. There is tiny bits of glass and plastic all over my pasture to clean up. It is a disaster. I've been on the phone for hours trying to track the insurance down. No one will help me. Police doesn't care, my insurance doesn't care. I'm screwed. I'll have to take them to small claims court, but not sure if it is even worth it.

Our house deadline is just a couple weeks away and now I have to deal with all this. I have no money and no time. It's just been a horrible week.

April Finances

April 6th, 2018 at 06:14 am

Paid my mortgage today bringing the total to $43,627.40. I also paid my LOC.

Sold a goat this morning. Once my web design check gets here I will be able to pay off the remaining $600 on the credit card statement and I am hoping I might even be able to send $100 to the EF.

Now that I am caught up, if the overtime continues we will be able to save it or pay down extra debt.

I ended up falling short of my monthly 30 hour web design goal by just an hour, which isn't bad. This month I am already ahead of schedule, so hopefully I can stay on track.

We have continued to put money into the 401K and the truck fund but I need to check balances before I can update the sidebar.

Overall we are on an up swing right now. If we can keep this up it would be nice to pay down some of home CC debt to up our credit scores before we refinance in June.


HVAC Paid!

March 16th, 2018 at 09:44 am

I am sending the check today for the HVAC to be paid in full. Very happy the owner was willing to give me some time to come up with the money.

Have about $1,400 on CCs that need paid next month. Thankfully husband has been working 2 hours of overtime daily for the last 3 weeks. Still continuing for now. Long days for him but thankful for the extra cash. He isn't usually offered overtime so this is a special occurrence.

Ahead of Schedule

February 15th, 2018 at 07:58 am

Today I paid all the credit card bills and utilities. This was on the first statement day for the March due dates, so now I'm "free" until April! Whoot whoot.

I love paying sooner rather than later. It means I'm caught up and not falling behind. Saturday we will be going shopping for a couple house items and clothing. I have some left over gift cards from Christmas so we will go out to a nice free dinner.

Goats will start kidding in two weeks. I can't believe spring is already just around the corner!

Worn to a Frazzle

February 7th, 2018 at 08:33 am

First the good news. My parents are receiving a very large tax return and have graciously decided to give us a gift large enough to cover the entire HVAC bill!

That means I only need to come up with $350 more to cover paying the drywall finisher. Which I will have in March from our "extra" paycheck. It will be so nice to be caught up and only have our normal bills.

Now for good (I guess?) but not so fun part. I've been working a lot of hours at my web design job. Yay for money! But I've also been trucking on the house every single day, and my secretary job is crazy busy. I'm getting really burnt/worn out with everything.

Here is my current schedule:
Monday, Tuesday, & Thursday I get up early and work on web design until noon. Then my dad comes over and we work on the house until 5. At which time my husband gets home and we cook dinner, feed animals, and then work on the house again until usually 10pm.

Wednesday I work all day at my secretary job until about 8pm except for a short break to run home and feed animals and then come home and work on the house until bed.

Friday's I work all day and then we go grocery shopping/run errands, get home around 9 after which is our "time off."

Saturday and Sunday we work on the house all day...

As you can see there isn't much time for sleeping, relaxing, friends, etc. Both jobs have been crazy busy, and I have been having to bring home secretary work to finish at night to keep up. And as if I didn't have enough to do my boss told me today I need to start working on Tuesdays again for a while. UGH!

I keep telling myself this is only temporary but goodness I can't do this much longer. I am driven to work hard on the house to finish. But I am getting quite sour about my real jobs. Especially my secretary job which contributes the most frustration/stress and rewards the least. I hope I can get through the next two months.

Getting Worried

December 18th, 2017 at 08:27 am

Husband's work still hasn't given out their Christmas bonus... It is normally deposited by now. No one knows what is going on, but the workers are starting to worry that there won't be a bonus this year. I hope not. So many people live check to check and husband said lots of people have already spent that money on Christmas presents, etc. (Including us!)

If it doesn't come we will manage. But the thought of a company not giving out a bonus (which they have given out for 75 years) makes me sick. How could they do that to their workers? They continue to get greedier and greedier, so it wouldn't be a huge surprise. Husband is saying people will strike if they withhold the bonus. I hope they are just taking longer than normal. *fingers crossed*

In other news, house is slowly going along. Still waiting on the mud/taper. He was supposed to start today but no word yet. :/ That is holding up a lot of progress.

Still trying to figure out goals for 2018. I will have to make another post for that.

Bills Again & Christmas Shopping

November 27th, 2017 at 09:39 am

Arg! It's almost time for the flurry of bills due all at the same time again. I was hoping to be in a better spot this month, but my owed check STILL hasn't come yet. Looks like I am going to be about $180 short if I don't scrape up some more hours or the check doesn't come. I really really don't want to pull from savings again. But I will if I have to. I'll be glad when our refinance is over and I can get better control over the finances again.

Not only that but it was a big spendy weekend. I got several things for the remodel we needed. (Thankfully we had money back for this.) I got most of my Christmas shopping done, and also bought a baby shower gift. Only spent $10 on myself, on some much needed undergarments.

All told I spent about $220 that wasn't previously saved for. Which isn't a huge amount to spend on Christmas, but is still money that will have to be paid by the statement.

Our remodel deadline is quickly approaching. I am happy to say the tile, and vanity has been ordered, and the drywall upstairs is complete! Now we are waiting on the mud and taper to finish so we can start painting, hooking up electric, etc.

The main big expenses left is paying for the plumbing hookup, and the flooring. After that we will be on the home stretch, thank goodness!

Husband should be getting a Christmas bonus in the next couple weeks. Planning on using about $200 for gifts. The rest will be put towards retirement or into paying down house bills. Not sure on the total he will get but in years past it has averaged about $700.

Payments & a Raise

November 8th, 2017 at 08:12 am

Well I did it. This was the week of all the large bills hitting at once. I paid everything today. I did end up transferring $300 from savings, but will pay it back as soon as I get the check I am waiting on (hopefully sometime next week).

Mortgage is down to $44,415.49

Now I have to be more careful in the future to make sure I have enough cash to cover expenses even if my design check is late.

I am hoping to do a little black Friday shopping for Christmas presents this year, and also there are a couple tools we could really use for the house. I will have to work extra or brainstorm ideas on how to come up with some extra money for this.

Some good news. I found out I am getting a $.50 raise and also another week of vacation next year at my office job. It only equates to about $25 a month, so not much, but everything helps.

Lots of Bills

October 30th, 2017 at 06:39 am

Ugh. This is the first month where I've really had to be on top of bill dates and what order I am going to pay. Usually I just pay as they come in. But stupid me put $800 (home remodel stuff) on a credit card thinking I'd be able to pay if off before the due date no problem. Well I forgot we don't have as much wiggle room anymore to just cash flow such large expenses.

Money is coming in. I just never know which day I will get my design check. So in case it is late I need to pay bills carefully.

It's a pain, but I'm not too worried. I do have an EF I can pull from, but it's in a savings account so I would have to transfer and I just don't want to if I can help it.

In the future I need to be much more careful. I also realize I need to keep a bigger buffer in my checking account. I don't want to have to juggle things again.

In better news. I set a goal for working on design this month, and not only did I do all those hours, I set a bigger goal and did those too! Hurray! If I can keep that up our finances will be in much better shape.

Lots of Trips

August 11th, 2017 at 12:53 pm

Husband did not get the high paying job he applied for, which was expected.

No word yet on the job with good hours. It has been a couple months now and they still haven't hired anyone, so I am doubting they will.

Oh well. We are okay for now.

I have about a million trips planned the next couple months. Ugh! This month I will be gone for a weekend for a show. Then another 14 hour trip to deliver goats and visit a friend. Then next month we are going on a weekend road trip with some friends as a last hurrah before husband's friend leaves for the military. One of my friends is getting married a couple states over and I am in the wedding so I will be gone for a weekend for that. Then most likely we will go camping or something for our anniversary. Yikes!

Thankfully they are all cheap trips. But still a lot of driving, planning, etc.

Today is payday, and next payday is an "extra" one. We will likely use some of the funds for our weekend trips, and some to pay down our home loans.

Floating along. We haven't wracked up anymore house debt, but we have had several larger household expenses pop up such as doctors visits, vet visits, etc. Just trying to keep everything cash flowed.

Finally Paid

July 31st, 2017 at 06:21 am

Finally got some checks I have been owed since May. Yikes! That allowed me to pay the mortgage, LOC, and the minimums on both home CCs. All caught up for now.

Home addition is still going well. We are started putting up drywall! That makes such a large difference.

Friend is committed to the military and can't back out now. He signed up for 6 years. Frown Oh well. I am just hoping that getting away from his family will help him. He is going to leave most of his stuff here where it will be safe.

Husband has gotten no word back on the two jobs he has applied for. Phewy. He will test for the two other jobs soon.

Sad Situation

July 19th, 2017 at 07:07 am

We got some sad news last week.

My husband's best friend is too nice. His family is lazy, has a lot of kids, and is dirt poor. They have always struggled badly. As the older brother he has always felt the need to help them out, and they take advantage of him. He moved back in with them to help. For some more back story they live in a shed they fixed up in someone's back yard. He shares a very small room with his two younger brothers...

He pays the bills, keeps the heat on, feeds the kids, loans them money, etc. He can not/will not say no. They have opened personal loans in his name and credit cards. He is naive and let them on their word of they will pay him back. They even convinced him to buy a house in his name for them this year. Thankfully it fell through.

He is not good with money, but he isn't bad. He works hard, and pays his bills. But he doesn't really understand interest rates, saving, etc. He is going to school full time, does an unpaid internship full time, and works full time. He is pulling 16 hour days. His mom has never worked, and his dad is a part time "handy man." (eye roll)

Well last week out of the blue he told us that his parents have so much debt in his name that he is drowning and can no longer keep up with the bills. His only option would be to drop out of school and the internship so he could pick up a second job which he doesn't want to do. I think he wants a quick fix. So he came up with his great idea that he would join the military and use the sign on bonus to pay off his debt, and they would pay for his school.

This guy is not cut out for the military. He is sensitive, quiet, and way too meek and kind. I think it would ruin him. He isn't excited about it or wants to do it but in his head it is the only way to get out of the mess.

He only has $20-$30k debt. We told him we would help him budget and if he got a better job he could pay it off. He says he will never get anywhere unless he gets away from his parents. Which I agree, but he has been unsuccessful finding a roommate and can't afford to live on his own. Husband's parents offered to let him live with them. (He is like family and has lived with them when he was younger.) But he refuses to pause school to pay down the debt.

He sprung this on us last week and said he was going to meet with a recruiter. Husband advised him to not sign up for anything and think about it for a while. We invited him over for the weekend so we could sit down and work out a solution for him. Well the next day he called back and said he signed up. Husband is ticked and says he has made up his mind and refuses to try and reason with him anymore. But I think he is making a horrible split second decision and is going to regret it.

I am so mad and sick about this. How DARE his parents use him, and take advantage, and feel no remorse about him having to join the military to pay for them. Oh BTW his mom is on vacation in Florida right now...

It is sad that he is making a life changing decision over $20k in debt. His parents are toxic, and once he gets out he is just going to get into the same mess again if he can't learn to tell them no and budget better.

Ugh. Just needed to rant. He has signed up but not sworn in yet. So I'm not sure if it is too late now. But I am still hoping he comes to his senses. Husband is being mad about it right now and doesn't want to talk about it, but I know he is upset and hurt. His friend stays at our house several times a month and even has a toothbrush here. Friend lived at his parents house during their teenage years (family couldn't afford their kids), so they are like brothers. I think he feels betrayed that his friend signed up without even talking to him about it first.

Pray that he makes the right decision. Frown

Update on Jobs

July 7th, 2017 at 12:02 pm

To update on my husband's job situation:

He had finally decided to apply for a job with good pay / benefits but crappy work and hours. Before he could do that someone told him about a much better job that was hiring. He applied for that but they are saying they aren't going to start the hiring process until after July 15th. So we are still waiting.

Then another job came open which has GREAT pay and benefits but just okay hours. He applied for that (along with probably 100 other people, ugh). Well they called today to let him know he has made it to the final hiring process and he is scheduled for an interview on the 17th. Yay!

The original planned job is also now hiring. So husband will probably go ahead and apply for that as well. All this to say there are 3 good jobs in the running and we are hoping and praying that husband can manage to snag one of them. He is a great worker and has never called in sick or been late. Just wish someone would give him a chance to shine.

In recap 3 possible jobs.

#1 decent pay, awesome hours (days, no weekends or holidays)
#2 great pay, boring work
#3 good pay, swing shifts and evenings, boring work

Husband is still wishing for #1, although #2 would be great for us financially. He would be getting about a 50% raise. Which is equally to what I am currently making. All of them offer good benefits and retirement which is a major improvement over what we currently have.

Please keep us in your thoughts and pray that interviews go well. This could be a real life changer for us.