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Replacing The Mini-Blinds

August 14th, 2008 at 06:19 am

No spending so far today, but then again it is only 9:15AM.

I listed two textbooks on Ebay last night, and I had one "watcher" as of this morning. I really hope they sell for some good money! (Or any money really, what good are they to me now?)

When BF left for work this morning, the pup ran to the window (he usually watches him get in the car) and managed to tear up the mini-blinds. I'm not even sure how he did it, but with one swift swipe of the paw, we're going to have to replace them. It makes me feel a little better to know that we put away some extra money this month, as well as paid some extra on our debt, so this little hit doesn't seem so bad.

We've decided to delay our trip to Red Lobster tonight. Instead, we're going to pick up a few things at Walmart (including mini-blinds) and see if BF can replace them.

In the meantime, there is alot of stuff that I need to get done today. The apartment is getting out of hand. It's not the worst it's ever been, but there are so many little things that have piled up since BF & I have both been working alot. If we were to have unexpected company (which is unlikely since we're 2 states away from everyone)... I'd probably have a heart attack.

Our store picnic is this Sunday, and everyone is supposed to bring something. BF will find out today if he was able to get off work for it. My manager called yesterday and wanted a head count of everyone that was coming, because she said if there isn't enough... we're not going to have it. I think that's kind of rude, mostly because one of my coworkers is hosting it at her house, so no doubt she's already been preparing for it. Other people have already signed up to bring their spouses & grandkids, and what food they're taking. BF requested off work for it.

I think I'll take mini corn on the cobs. We are having burgers and hot dogs, and other people are bringing potato salad and baked beans. I figured cob corn would be cheap, easy to make, and something I'd feel confident about everyone eating!

Well, I'm off to (hopefully) get something accomplished today. I need to stop checking my Ebay items compulsively in order to do that! Forgot to add... WE FINALLY GOT A COUCH!!! YAY! Actually, we got a matching set of brown leather sofa & loveseat. I feel like we got a pretty good deal too, both for $1000 delivered. We stumbled on a place that was going out of business (they were right beside a Value City Furniture, go figure), and they cut the price down for us nicely. They even threw in four really nice throw pillows that match the leather on the couches. AND now I can mark that as one goal finished on my sidebar. We're thrilled. Smile [entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [38010] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => [categories] => Array ( [2625] => Array ( [category_id] => 2625 [category_name] => Budgeting [category_stub] => budgeting ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 38010 [entry_title] => New Brakes, New Router, New Clutch Switch? [entry_stub] => new-brakes-new-router-new-clutch-switch [entry_url] => https://sillyoleme.savingadvice.com/2008/04/18/new-brakes-new-router-new-clutch-switch_38010/ [entry_date] => 1208558830 [entry_date_mysql] => 2008-04-18 15:47:10 [entry_text] => Managed to get the truck to the shop this morning, and picked it up after work. $511.38 later, there is no grinding noise and the brakes are much better!

The mechanics said I needed new front brakes (period), and one new router. They managed to fix the other router, and cleaned/maintenanced my back brakes. I also told them about the issue of it not starting periodically, and they performed an electrical test. That guy said it was one of two things: either I need a completely new starter, or the neutral-safety switch for the clutch was going out. He said he thought it was the switch because when he wiggled the clutch, it started, but it could still be the starter.

Anyways, the $511.38 was the total for the brakes/router/labor/oil/tax today, and they had to order the switch for the clutch. He estimated that would be about $65 next week (but I'm not sure if that includes labor). I asked him how much a new starter would be, and he said with labor, somewhere between $300-$400 more. Whew! Let's pray it's not the starter, just the switch!!!

I do feel alot relieved, though. The brakes are new, the grinding is gone, and the oil is changed (next stop 119K miles). So hopefully when they replace the clutch switch next week, that will be the end of it for a good long while. *crosses fingers*

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Some random work news: I was taking out the trash before we closed the other night, and in my boss's office I saw a manilla folder with my name on it on her desk. I knew it wasn't my personnel file, because those are different looking, so I thought it must be MY manilla folder I had left in there earlier. I looked inside to see if she had marked anything else off my list, but then realized it wasn't mine. It was a manager's appraisal of my performance (monthly I guess), and with a quick glance, I saw that she had marked "Excellent" for my performance. Yay. Smile I assume that I will see that form officially at some point anyway, but it's nice to know she thinks I'm doing good right now.

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Eleven days till BF moves in. He's already cleaned his car out and washed it, so that he can pack his things in. Smile

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Puppy Update: Since I vacuumed/shampooed the carpet yesterday, he hasn't had any accidents. He didn't even get up last night and try to go. If we keep having problems at night though, I will wait until BF gets up here and then we'll crate him overnight. I don't want to do it now because he's my only company. Big Grin (Yes, I'm a chicken like that.)

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I need to figure out something to fix for dinner. I'm out of the ground turkey that I bought. I kind of feel like making some frozen veggies in the skillet, but then again I'd also like something with a bit more flavor. Hmmm, I dunno. One thing's for sure... I don't have much money left in the food budget for the month, so I can't go buy anything.

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Now that I've got the truck expenses taken care of (I hope), we need to start thinking about a budget for buying a couch. I have some extra from my signing bonus & tax refund, but I want to leave about $800 or so in there in case we need it before BF finds a job, or an emergency.

We want a brown leather couch, and we've decided that we'd like to go with a higher quality that will last us a while, rather than the cheapest just to get by. We have the cash for it, so I'd rather get something quality, but of course we can't break the bank either. Plus, we want to eventually have brown leather furniture as the cornerstone of our living room in our "real house". (That's what we call the house that we will someday OWN... instead of renting apartments)

Anybody know about how much a good, new, brown leather couch would cost? Anything we should know before shopping, any special kinds to look for? Any help would be appreciated! Big Grin [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37284] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2628,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 37284 [entry_title] => My Enemy, Cheap Candy [entry_stub] => my-enemy-cheap-candy [entry_url] => https://sillyoleme.savingadvice.com/2008/04/01/my-enemy-cheap-candy_37284/ [entry_date] => 1207101631 [entry_date_mysql] => 2008-04-01 19:00:31 [entry_text] => Today's Spending:

Gas: $15
Boxes & Tape: $4
Candy: $1.75
McDonalds: $4

I've learned not to go into work hungry anymore. I thought I'd be okay with a drink, but just knowing that I had to work until we closed, and I was already starving, I ended up buying a bag of candy to tide me over until lunch. The good news is, I bought it at our store, so I got it at 5% over cost. At least it was cheap candy. Smile

Then I realized that with the stress of the last few days, I had completely forgotten about planning for lunch. So, I hit McDonalds. I'm not proud of it, but hey, all I can do is plan for tomorrow!

Other than that, nothing much going on. The dog is driving me nuts, and I need to clean my apartment, but I'm not in a hurry. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37136] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2626,2627, [categories] => Array ( [2626] => Array ( [category_id] => 2626 [category_name] => Not Necessarily Financial [category_stub] => not-necessarily-financial ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 37136 [entry_title] => FreeCreditReport.Com Does Not Make Me Happy [entry_stub] => freecreditreportcom-does-not-make-me-hap [entry_url] => https://sillyoleme.savingadvice.com/2008/03/29/freecreditreportcom-does-not-make-me-hap_37136/ [entry_date] => 1206829669 [entry_date_mysql] => 2008-03-29 15:27:49 [entry_text] => I paid a stupid tax today. I had checked my credit score last week, and instead of paying the $5.95 for a one time score, I decided to enroll in the "7 day free trial" for free, and then cancel it before I had to pay. Why pay $5.95 when you can pay nothing, right?

Well, I can't really say what happened between the time that I made that decision and today when I checked my bank account, but perhaps it was all the excitement of BF coming to visit. Some how, some way, I started thinking the "trial period" was a MONTH instead of a WEEK. Needless to say, when I was logging into my new checking account today (the one that I haven't deposited money into because I'm having a heck of a time trying to get checks for it), I was VERY surprised to see that I had a NEGATIVE balance!!!

FreeCreditReport had charged 14.95 to my banking account, and then because I didn't have any deposited in there to cover it, I was charged a $35 overdraft fee. Hence the negative balance of $44.96.

At first I was ticked off because I thought I had been charged prematurely for the credit reporting, but then when I checked the site, I realized that it was only a WEEK free trial. So, it is my fault and my fault only.

So for this time, I will chalk it up to a VERY expensive credit score/report. If there is a positive to come from it, maybe it is that now I will be forced to make a stop at a local BBT branch and deposit some of the cash that BF gave me today. Maybe I will also get the checks situation straightened out.

And I did cancel the credit reporting membership effective today, so that is taken care of at least.

I have just started reading the Fly Lady website, and I am excited about starting that. Even though it really has nothing specifically to do with what happened to me today, it does focus on organization, and a "chaos" free life. Sounds good to me. I've got to get organized and stop costing myself money! [entry_active] => 1 [total_comments] => 8 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [36709] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 36709 [entry_title] => Graduation Stuff... Bleh. [entry_stub] => graduation-stuff-bleh [entry_url] => https://sillyoleme.savingadvice.com/2008/03/16/graduation-stuff-bleh_36709/ [entry_date] => 1205707103 [entry_date_mysql] => 2008-03-16 15:38:23 [entry_text] => Okay, so I just realized that I hadn't ordered my graduation cap/gown or invitations yet. It's kind of weird to be graduating college in May, when I was officially done in December (but they only do the whole ceremony once a year, so hey). Anyway, I got online to see if I could order from there (because I'm two states away from the school I'll be graduating from), and luckily I was able to order everything from the bookstore there. It should be shipped to my parent's address (not sure how I would get a box here).

The bad news is that it was $195 on my FFB credit card. I would have used my checking account, but I have no debit card for it, and they couldn't do a check for online ordering. Since alot of people will send me graduation money when they get the announcements, maybe I will be able to recoup some of the money!

That reminds me of some more info that I wanted to add into the equation:

As far as bank accounts, I have a few.

"Hometown" Checking Acct: ~$2,800
BBT Joint Checking: $50
Roth IRA: ~$450

The Hometown account is in my home state, and as soon as the BBT account is officially open and I have checks for it, I will transfer all of my money from the Hometown account into the BBT account. I have stopped the automatic deposit into the Roth IRA for now, because my new job is deducting my 401K. I also have about $200 in cash right now, which I will use for expenses until my checking account money is transferred here.

In case anyone is wondering why I have a joint checking account, my boyfriend is also on it. He is moving to this state to join me in about a month and a half now, at which point we'll both be using the same account. (It's one of the only banks with branches in both states!) Right now, if I want to buy something, I have a choice between writing a check from my Hometown account (if the place accepts checks), or using my Discover Card or FFB Card. I do not have my State Farm credit card with me, or a debit card for the Hometown acct.

So I guess my goals for now are:
1) Check the status of BBT acct & order checks for it (hopefully using the money that's already deposited into the acct).
2) Finish my first project for my new job and submit it.
3) Balance my Hometown acct checkbook.
4) Pay my cell phone bill. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) ) -->

One Step Forward, Two Steps Back

August 8th, 2008 at 05:11 pm

Groceries: $22 ($94.49/$100)
Paper Towels: $2 ($9.71/$20)
My Food @ Work: $3 ($97.49/$100)

+++++++++++++++++++++++++++++++++++++++++

I did venture to the bank today. I had planned on calling them again, but then I decided I didn't want to sit in a hot vehicle on my lunch break, and then have them NOT call me back like yesterday.

So I went in, was SUPER nice (maybe nicer than I should've been)... and got nowhere. I have fair skin (gotta love freckles), so whenever I get upset or angry you can definitely see the blood rushing to my face. I could feel my face getting hot as the conversation wore on, but maybe because I work in retail, I was determined to stay polite.

Pretty much, the lady that was helping me didn't understand the charges either, but she was acting like she did. I explained the situation, and before I could even finish, I saw her reaching for a stack of pamphlets on "when your money is available". Of course, the pamphlet only said "next business day", which is what my receipt said.

I was told on the phone yesterday that the deposit wouldn't be credited until 9AM Friday, when I went in today, the lady told me it was credited yesterday. So, I asked her, if it was credited yesterday, why did I get charged another overdraft for a charge that was posted yesterday? And if our rent check really came in on the 6th, why wasn't it in the pending charges or posted on the 6th? Why did it show up on the 7th and have a date of the 6th?

I explained to her that I could have deposited cash yesterday to cover additional charges, if someone had called me back to let me know what exactly was going on, when my money was going to be available, etc. She pretty much refused to address the fact that someone had dropped the ball on returning my call. Never even said "sorry for the inconvenience" or "we don't know how that could've happened", nothing.

Then, as I am telling her that I just don't feel like it's fair that I deposited a payroll check on Wednesday afternoon, and I'm getting charged an overdraft fee for something coming in on Thursday. To this, she has a brilliant idea! Why don't I open a savings account with them and put some money in it, and I could use that as overdraft protection? Or better yet, why don't I join their "constant credit" program, and get a line of credit to draw on in such cases?

I felt like saying, "Can you please at least listen to my problem before you try to sell me another account/service?" And if I'm complaining about the customer service, why would I be interested in adding another service? So you can get a bonus for signing me up? Nope.

In the end, I told her that I would be willing to pay the first fee, but I felt the second should be refunded to me. She went away for 5 seconds and said she "tried", but it wouldn't let her. I thanked her for her time, and asked if BF would have to be present to close the account, because his name is on it too. She looked completely shocked, and literally had her mouth hanging open for a second. Then, she said "Well, let me go to the other side of the floor, and call to see if we can do anything. I'll call you shortly to let you know, okay?"

So I leave, and four hours later, they call while I'm at work. I couldn't talk long, so when she said they couldn't refund the money when it wasn't technically a "banking" error, I thanked them again and told them we'd probably have to think about closing it. I didn't even give her time to give more excuses, or offer the "constant credit" again.

Now, I'm not sure if we really will close the account, but we're thinking about it. There are lots of banks closer to where we live. In fact, when I went to make our deposit on Wednesday afternoon, I went WITH a coworker who was going to do the same thing at Bank of America (her paycheck was even from the same company as BF's!). She went in and deposited it, and it credited at midnight. I've heard some bad things about BOA, but apparently they can process some deposits at least.

The bad thing about switching would be the cost of ordering new checks in a new account, and the time it will take to set it up, plus switching over both our paychecks to direct deposit there, and our insurance drafting. Plus we'll be moving in 6 months or so, so maybe we should just put up with BBT until then if we can.

I probably won't be back to that branch though.

+++++++++++++++++++++++++++++++++++++++++

I also found time to call the pup's future surgeon today. I had to leave a voicemail, but hopefully we'll get in touch soon. I really just want to know when we should be contacting him to do the consultation and x-rays. And to ask about some injections for joints, and the pain medication we had taken him off of when his stomach was upset. And payment arrangements! If we pay him through the surgical vet's office, then I think we can use the credit system set up for veterinary costs, which offers no interest for a while. That would be preferrable, but if we have to get outside financing, I need to know ahead of time. Okay... so I guess there was quite a bit I need to ask him!

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Just watched the opening part of the olympics - wow!

+++++++++++++++++++++++++++++++++++++++++

I'm going to start making mini-payments like many of my fellow bloggers do already. I think it will be motivating to be able to add little $2 or $3 payments to our credit cards throughout the month.

+++++++++++++++++++++++++++++++++++++++++

BF still needs to call again about his stimulus check. I'm afraid he's going to wait until too late and never get it! And then it will still be taken out of his refund next year, right? Ick.

+++++++++++++++++++++++++++++++++++++++++

Since the checking account is (hopefully) okay now, I am going ahead with the $100 payment to my Discover card, and the $50 transfer to our Orange savings.

Edit: I forgot to add that I also completed $17.80 worth of surveys today (one big one). I went ahead and requested the check, so hopefully it will get here soon.

Recouping Bank Fees:

$70 Fees
-$7 Surveys 8/7/08
-$17.80 Surveys 8/8/08
=$45.20 Left To Recoup Forgot to add... WE FINALLY GOT A COUCH!!! YAY! Actually, we got a matching set of brown leather sofa & loveseat. I feel like we got a pretty good deal too, both for $1000 delivered. We stumbled on a place that was going out of business (they were right beside a Value City Furniture, go figure), and they cut the price down for us nicely. They even threw in four really nice throw pillows that match the leather on the couches. AND now I can mark that as one goal finished on my sidebar. We're thrilled. Smile [entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [38010] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => [categories] => Array ( [2625] => Array ( [category_id] => 2625 [category_name] => Budgeting [category_stub] => budgeting ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 38010 [entry_title] => New Brakes, New Router, New Clutch Switch? [entry_stub] => new-brakes-new-router-new-clutch-switch [entry_url] => https://sillyoleme.savingadvice.com/2008/04/18/new-brakes-new-router-new-clutch-switch_38010/ [entry_date] => 1208558830 [entry_date_mysql] => 2008-04-18 15:47:10 [entry_text] => Managed to get the truck to the shop this morning, and picked it up after work. $511.38 later, there is no grinding noise and the brakes are much better!

The mechanics said I needed new front brakes (period), and one new router. They managed to fix the other router, and cleaned/maintenanced my back brakes. I also told them about the issue of it not starting periodically, and they performed an electrical test. That guy said it was one of two things: either I need a completely new starter, or the neutral-safety switch for the clutch was going out. He said he thought it was the switch because when he wiggled the clutch, it started, but it could still be the starter.

Anyways, the $511.38 was the total for the brakes/router/labor/oil/tax today, and they had to order the switch for the clutch. He estimated that would be about $65 next week (but I'm not sure if that includes labor). I asked him how much a new starter would be, and he said with labor, somewhere between $300-$400 more. Whew! Let's pray it's not the starter, just the switch!!!

I do feel alot relieved, though. The brakes are new, the grinding is gone, and the oil is changed (next stop 119K miles). So hopefully when they replace the clutch switch next week, that will be the end of it for a good long while. *crosses fingers*

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Some random work news: I was taking out the trash before we closed the other night, and in my boss's office I saw a manilla folder with my name on it on her desk. I knew it wasn't my personnel file, because those are different looking, so I thought it must be MY manilla folder I had left in there earlier. I looked inside to see if she had marked anything else off my list, but then realized it wasn't mine. It was a manager's appraisal of my performance (monthly I guess), and with a quick glance, I saw that she had marked "Excellent" for my performance. Yay. Smile I assume that I will see that form officially at some point anyway, but it's nice to know she thinks I'm doing good right now.

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Eleven days till BF moves in. He's already cleaned his car out and washed it, so that he can pack his things in. Smile

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Puppy Update: Since I vacuumed/shampooed the carpet yesterday, he hasn't had any accidents. He didn't even get up last night and try to go. If we keep having problems at night though, I will wait until BF gets up here and then we'll crate him overnight. I don't want to do it now because he's my only company. Big Grin (Yes, I'm a chicken like that.)

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I need to figure out something to fix for dinner. I'm out of the ground turkey that I bought. I kind of feel like making some frozen veggies in the skillet, but then again I'd also like something with a bit more flavor. Hmmm, I dunno. One thing's for sure... I don't have much money left in the food budget for the month, so I can't go buy anything.

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Now that I've got the truck expenses taken care of (I hope), we need to start thinking about a budget for buying a couch. I have some extra from my signing bonus & tax refund, but I want to leave about $800 or so in there in case we need it before BF finds a job, or an emergency.

We want a brown leather couch, and we've decided that we'd like to go with a higher quality that will last us a while, rather than the cheapest just to get by. We have the cash for it, so I'd rather get something quality, but of course we can't break the bank either. Plus, we want to eventually have brown leather furniture as the cornerstone of our living room in our "real house". (That's what we call the house that we will someday OWN... instead of renting apartments)

Anybody know about how much a good, new, brown leather couch would cost? Anything we should know before shopping, any special kinds to look for? Any help would be appreciated! Big Grin [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37284] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2628,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 37284 [entry_title] => My Enemy, Cheap Candy [entry_stub] => my-enemy-cheap-candy [entry_url] => https://sillyoleme.savingadvice.com/2008/04/01/my-enemy-cheap-candy_37284/ [entry_date] => 1207101631 [entry_date_mysql] => 2008-04-01 19:00:31 [entry_text] => Today's Spending:

Gas: $15
Boxes & Tape: $4
Candy: $1.75
McDonalds: $4

I've learned not to go into work hungry anymore. I thought I'd be okay with a drink, but just knowing that I had to work until we closed, and I was already starving, I ended up buying a bag of candy to tide me over until lunch. The good news is, I bought it at our store, so I got it at 5% over cost. At least it was cheap candy. Smile

Then I realized that with the stress of the last few days, I had completely forgotten about planning for lunch. So, I hit McDonalds. I'm not proud of it, but hey, all I can do is plan for tomorrow!

Other than that, nothing much going on. The dog is driving me nuts, and I need to clean my apartment, but I'm not in a hurry. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37136] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2626,2627, [categories] => Array ( [2626] => Array ( [category_id] => 2626 [category_name] => Not Necessarily Financial [category_stub] => not-necessarily-financial ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 37136 [entry_title] => FreeCreditReport.Com Does Not Make Me Happy [entry_stub] => freecreditreportcom-does-not-make-me-hap [entry_url] => https://sillyoleme.savingadvice.com/2008/03/29/freecreditreportcom-does-not-make-me-hap_37136/ [entry_date] => 1206829669 [entry_date_mysql] => 2008-03-29 15:27:49 [entry_text] => I paid a stupid tax today. I had checked my credit score last week, and instead of paying the $5.95 for a one time score, I decided to enroll in the "7 day free trial" for free, and then cancel it before I had to pay. Why pay $5.95 when you can pay nothing, right?

Well, I can't really say what happened between the time that I made that decision and today when I checked my bank account, but perhaps it was all the excitement of BF coming to visit. Some how, some way, I started thinking the "trial period" was a MONTH instead of a WEEK. Needless to say, when I was logging into my new checking account today (the one that I haven't deposited money into because I'm having a heck of a time trying to get checks for it), I was VERY surprised to see that I had a NEGATIVE balance!!!

FreeCreditReport had charged 14.95 to my banking account, and then because I didn't have any deposited in there to cover it, I was charged a $35 overdraft fee. Hence the negative balance of $44.96.

At first I was ticked off because I thought I had been charged prematurely for the credit reporting, but then when I checked the site, I realized that it was only a WEEK free trial. So, it is my fault and my fault only.

So for this time, I will chalk it up to a VERY expensive credit score/report. If there is a positive to come from it, maybe it is that now I will be forced to make a stop at a local BBT branch and deposit some of the cash that BF gave me today. Maybe I will also get the checks situation straightened out.

And I did cancel the credit reporting membership effective today, so that is taken care of at least.

I have just started reading the Fly Lady website, and I am excited about starting that. Even though it really has nothing specifically to do with what happened to me today, it does focus on organization, and a "chaos" free life. Sounds good to me. I've got to get organized and stop costing myself money! [entry_active] => 1 [total_comments] => 8 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [36709] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 36709 [entry_title] => Graduation Stuff... Bleh. [entry_stub] => graduation-stuff-bleh [entry_url] => https://sillyoleme.savingadvice.com/2008/03/16/graduation-stuff-bleh_36709/ [entry_date] => 1205707103 [entry_date_mysql] => 2008-03-16 15:38:23 [entry_text] => Okay, so I just realized that I hadn't ordered my graduation cap/gown or invitations yet. It's kind of weird to be graduating college in May, when I was officially done in December (but they only do the whole ceremony once a year, so hey). Anyway, I got online to see if I could order from there (because I'm two states away from the school I'll be graduating from), and luckily I was able to order everything from the bookstore there. It should be shipped to my parent's address (not sure how I would get a box here).

The bad news is that it was $195 on my FFB credit card. I would have used my checking account, but I have no debit card for it, and they couldn't do a check for online ordering. Since alot of people will send me graduation money when they get the announcements, maybe I will be able to recoup some of the money!

That reminds me of some more info that I wanted to add into the equation:

As far as bank accounts, I have a few.

"Hometown" Checking Acct: ~$2,800
BBT Joint Checking: $50
Roth IRA: ~$450

The Hometown account is in my home state, and as soon as the BBT account is officially open and I have checks for it, I will transfer all of my money from the Hometown account into the BBT account. I have stopped the automatic deposit into the Roth IRA for now, because my new job is deducting my 401K. I also have about $200 in cash right now, which I will use for expenses until my checking account money is transferred here.

In case anyone is wondering why I have a joint checking account, my boyfriend is also on it. He is moving to this state to join me in about a month and a half now, at which point we'll both be using the same account. (It's one of the only banks with branches in both states!) Right now, if I want to buy something, I have a choice between writing a check from my Hometown account (if the place accepts checks), or using my Discover Card or FFB Card. I do not have my State Farm credit card with me, or a debit card for the Hometown acct.

So I guess my goals for now are:
1) Check the status of BBT acct & order checks for it (hopefully using the money that's already deposited into the acct).
2) Finish my first project for my new job and submit it.
3) Balance my Hometown acct checkbook.
4) Pay my cell phone bill. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) ) -->

Only an okay day off.

August 7th, 2008 at 05:14 pm

BF Food @ Work: $2.00 ($72.49/$100)

+++++++++++++++++++++++++++++++++++++++++

Today has been only an okay day off. Having to deal with the bank issues early in the day just kind of set the mood I guess.

And just when I think I've accepted that we will just pay the $35, and perhaps look for a bank that will fit us a little better, I start thinking about all the other things that can possibly go wrong with the account, since I never got a call back from the bank today to sort through it.

I really hate confrontation, so it almost makes me nauseas to think about having to go through all that mess if we end up getting charged more fees between now and then.

Anyway, not much else to report, financial or otherwise. I did do $7 worth of surveys today, so hopefully I'll be getting those checks in about a month. I also finished "InkSpell", so I won't have to renew it at the library again. BF is actually thinking about checking out a few books the next time we go. I'm surprised that he's willing to put down the Playstation controller long enough to do that! Wink

Well, I guess I will do some laundry, dishes, and start dinner before long, so that we can eat when BF gets off work. I want to feel like I've done a little something productive with my day. Forgot to add... WE FINALLY GOT A COUCH!!! YAY! Actually, we got a matching set of brown leather sofa & loveseat. I feel like we got a pretty good deal too, both for $1000 delivered. We stumbled on a place that was going out of business (they were right beside a Value City Furniture, go figure), and they cut the price down for us nicely. They even threw in four really nice throw pillows that match the leather on the couches. AND now I can mark that as one goal finished on my sidebar. We're thrilled. Smile [entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [38010] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => [categories] => Array ( [2625] => Array ( [category_id] => 2625 [category_name] => Budgeting [category_stub] => budgeting ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 38010 [entry_title] => New Brakes, New Router, New Clutch Switch? [entry_stub] => new-brakes-new-router-new-clutch-switch [entry_url] => https://sillyoleme.savingadvice.com/2008/04/18/new-brakes-new-router-new-clutch-switch_38010/ [entry_date] => 1208558830 [entry_date_mysql] => 2008-04-18 15:47:10 [entry_text] => Managed to get the truck to the shop this morning, and picked it up after work. $511.38 later, there is no grinding noise and the brakes are much better!

The mechanics said I needed new front brakes (period), and one new router. They managed to fix the other router, and cleaned/maintenanced my back brakes. I also told them about the issue of it not starting periodically, and they performed an electrical test. That guy said it was one of two things: either I need a completely new starter, or the neutral-safety switch for the clutch was going out. He said he thought it was the switch because when he wiggled the clutch, it started, but it could still be the starter.

Anyways, the $511.38 was the total for the brakes/router/labor/oil/tax today, and they had to order the switch for the clutch. He estimated that would be about $65 next week (but I'm not sure if that includes labor). I asked him how much a new starter would be, and he said with labor, somewhere between $300-$400 more. Whew! Let's pray it's not the starter, just the switch!!!

I do feel alot relieved, though. The brakes are new, the grinding is gone, and the oil is changed (next stop 119K miles). So hopefully when they replace the clutch switch next week, that will be the end of it for a good long while. *crosses fingers*

-----------------------------------------

Some random work news: I was taking out the trash before we closed the other night, and in my boss's office I saw a manilla folder with my name on it on her desk. I knew it wasn't my personnel file, because those are different looking, so I thought it must be MY manilla folder I had left in there earlier. I looked inside to see if she had marked anything else off my list, but then realized it wasn't mine. It was a manager's appraisal of my performance (monthly I guess), and with a quick glance, I saw that she had marked "Excellent" for my performance. Yay. Smile I assume that I will see that form officially at some point anyway, but it's nice to know she thinks I'm doing good right now.

-----------------------------------------

Eleven days till BF moves in. He's already cleaned his car out and washed it, so that he can pack his things in. Smile

-----------------------------------------

Puppy Update: Since I vacuumed/shampooed the carpet yesterday, he hasn't had any accidents. He didn't even get up last night and try to go. If we keep having problems at night though, I will wait until BF gets up here and then we'll crate him overnight. I don't want to do it now because he's my only company. Big Grin (Yes, I'm a chicken like that.)

-----------------------------------------

I need to figure out something to fix for dinner. I'm out of the ground turkey that I bought. I kind of feel like making some frozen veggies in the skillet, but then again I'd also like something with a bit more flavor. Hmmm, I dunno. One thing's for sure... I don't have much money left in the food budget for the month, so I can't go buy anything.

-----------------------------------------

Now that I've got the truck expenses taken care of (I hope), we need to start thinking about a budget for buying a couch. I have some extra from my signing bonus & tax refund, but I want to leave about $800 or so in there in case we need it before BF finds a job, or an emergency.

We want a brown leather couch, and we've decided that we'd like to go with a higher quality that will last us a while, rather than the cheapest just to get by. We have the cash for it, so I'd rather get something quality, but of course we can't break the bank either. Plus, we want to eventually have brown leather furniture as the cornerstone of our living room in our "real house". (That's what we call the house that we will someday OWN... instead of renting apartments)

Anybody know about how much a good, new, brown leather couch would cost? Anything we should know before shopping, any special kinds to look for? Any help would be appreciated! Big Grin [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37284] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2628,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 37284 [entry_title] => My Enemy, Cheap Candy [entry_stub] => my-enemy-cheap-candy [entry_url] => https://sillyoleme.savingadvice.com/2008/04/01/my-enemy-cheap-candy_37284/ [entry_date] => 1207101631 [entry_date_mysql] => 2008-04-01 19:00:31 [entry_text] => Today's Spending:

Gas: $15
Boxes & Tape: $4
Candy: $1.75
McDonalds: $4

I've learned not to go into work hungry anymore. I thought I'd be okay with a drink, but just knowing that I had to work until we closed, and I was already starving, I ended up buying a bag of candy to tide me over until lunch. The good news is, I bought it at our store, so I got it at 5% over cost. At least it was cheap candy. Smile

Then I realized that with the stress of the last few days, I had completely forgotten about planning for lunch. So, I hit McDonalds. I'm not proud of it, but hey, all I can do is plan for tomorrow!

Other than that, nothing much going on. The dog is driving me nuts, and I need to clean my apartment, but I'm not in a hurry. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37136] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2626,2627, [categories] => Array ( [2626] => Array ( [category_id] => 2626 [category_name] => Not Necessarily Financial [category_stub] => not-necessarily-financial ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 37136 [entry_title] => FreeCreditReport.Com Does Not Make Me Happy [entry_stub] => freecreditreportcom-does-not-make-me-hap [entry_url] => https://sillyoleme.savingadvice.com/2008/03/29/freecreditreportcom-does-not-make-me-hap_37136/ [entry_date] => 1206829669 [entry_date_mysql] => 2008-03-29 15:27:49 [entry_text] => I paid a stupid tax today. I had checked my credit score last week, and instead of paying the $5.95 for a one time score, I decided to enroll in the "7 day free trial" for free, and then cancel it before I had to pay. Why pay $5.95 when you can pay nothing, right?

Well, I can't really say what happened between the time that I made that decision and today when I checked my bank account, but perhaps it was all the excitement of BF coming to visit. Some how, some way, I started thinking the "trial period" was a MONTH instead of a WEEK. Needless to say, when I was logging into my new checking account today (the one that I haven't deposited money into because I'm having a heck of a time trying to get checks for it), I was VERY surprised to see that I had a NEGATIVE balance!!!

FreeCreditReport had charged 14.95 to my banking account, and then because I didn't have any deposited in there to cover it, I was charged a $35 overdraft fee. Hence the negative balance of $44.96.

At first I was ticked off because I thought I had been charged prematurely for the credit reporting, but then when I checked the site, I realized that it was only a WEEK free trial. So, it is my fault and my fault only.

So for this time, I will chalk it up to a VERY expensive credit score/report. If there is a positive to come from it, maybe it is that now I will be forced to make a stop at a local BBT branch and deposit some of the cash that BF gave me today. Maybe I will also get the checks situation straightened out.

And I did cancel the credit reporting membership effective today, so that is taken care of at least.

I have just started reading the Fly Lady website, and I am excited about starting that. Even though it really has nothing specifically to do with what happened to me today, it does focus on organization, and a "chaos" free life. Sounds good to me. I've got to get organized and stop costing myself money! [entry_active] => 1 [total_comments] => 8 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [36709] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 36709 [entry_title] => Graduation Stuff... Bleh. [entry_stub] => graduation-stuff-bleh [entry_url] => https://sillyoleme.savingadvice.com/2008/03/16/graduation-stuff-bleh_36709/ [entry_date] => 1205707103 [entry_date_mysql] => 2008-03-16 15:38:23 [entry_text] => Okay, so I just realized that I hadn't ordered my graduation cap/gown or invitations yet. It's kind of weird to be graduating college in May, when I was officially done in December (but they only do the whole ceremony once a year, so hey). Anyway, I got online to see if I could order from there (because I'm two states away from the school I'll be graduating from), and luckily I was able to order everything from the bookstore there. It should be shipped to my parent's address (not sure how I would get a box here).

The bad news is that it was $195 on my FFB credit card. I would have used my checking account, but I have no debit card for it, and they couldn't do a check for online ordering. Since alot of people will send me graduation money when they get the announcements, maybe I will be able to recoup some of the money!

That reminds me of some more info that I wanted to add into the equation:

As far as bank accounts, I have a few.

"Hometown" Checking Acct: ~$2,800
BBT Joint Checking: $50
Roth IRA: ~$450

The Hometown account is in my home state, and as soon as the BBT account is officially open and I have checks for it, I will transfer all of my money from the Hometown account into the BBT account. I have stopped the automatic deposit into the Roth IRA for now, because my new job is deducting my 401K. I also have about $200 in cash right now, which I will use for expenses until my checking account money is transferred here.

In case anyone is wondering why I have a joint checking account, my boyfriend is also on it. He is moving to this state to join me in about a month and a half now, at which point we'll both be using the same account. (It's one of the only banks with branches in both states!) Right now, if I want to buy something, I have a choice between writing a check from my Hometown account (if the place accepts checks), or using my Discover Card or FFB Card. I do not have my State Farm credit card with me, or a debit card for the Hometown acct.

So I guess my goals for now are:
1) Check the status of BBT acct & order checks for it (hopefully using the money that's already deposited into the acct).
2) Finish my first project for my new job and submit it.
3) Balance my Hometown acct checkbook.
4) Pay my cell phone bill. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) ) -->

Overdraft Nightmare.

August 7th, 2008 at 10:44 am

Ugh... another banking issue.

Yesterday, I deposited BF's paycheck and my two survey checks on my lunch break. The teller gave me the little confirmation sheet that shows the amount deposited, and says "available next business day" or whatever.

I balanced our checkbook last night, and checked to see if there were any bills that we needed to pay right away. I figured out that we were pretty much paid up, but since we had some "extra" money, I'd go ahead and pay the extra $100 on my Discover card that I had budgeted, and put $50 in our Orange savings.

The balance of the checking account last night was around $680, with two "pending" transactions totalling about $50. I figured we were in a pretty good position, because the deposit would post to the account this morning, in time for the rent check to clear, and then my paycheck will be direct deposited tomorrow (Friday).

So I'm feeling pretty good about paying extra towards the credit card and adding to the savings, when I check the account this morning. (I was actually synching the account up to the website SoCal had mentioned in her blog.) As soon as I saw "overdraft fee", my stomach flipped.

Right now, the deposit still hasn't posted, and neither have the two pending transactions that were there last night... but the rent check has magically gone straight through, along with the subsequent overdraft fee of $35.

I don't understand:

1) Why the deposit I made yesterday wasn't deposited today.
2) Why the rent check hadn't even shown as a pending transaction last night, and is suddenly listed on my account as clearing on the 6th (yesterday!).

And I've had to cancel the transfers I was planning for the credit card and savings account, thank goodness I hadn't made them for today.

The customer service person at the branch said that if you make a deposit after 2PM, it counts as the next business day. So, according to that, the deposit I handed to the cashier on Wednesday at 2PM, won't be available for me until Friday at 9AM. But apparently a check that isn't even "pending" on Wednesday night will be cleared from your account at midnight of that night.

I'm just about sick of the online banking with this company. You can never tell when something has cleared, is in pending, or what amount is being held in pending. Back when I had the confusion with buying the pup's new crate, they held $400 in my account, for no purchases. Simply because I had entered my debit card number on the website, but then backed out of it and decided to buy somewhere else.

The girl I talked to earlier didn't even take my account number, but told me that they wouldn't take the charge off unless it was a banking error. I asked for a relationship banker to call me, and then she took my acct # and telephone number. It has been about an hour, so hopefully I'll get to talk to someone soon.

Now I'm just afraid that there are more debit card purchases that I thought were cleared, that will come in for $35 fees a piece today. And there's nothing I can do about it, because the money is already deposited, it just won't be in my account until tomorrow.

I've been thinking about it, and it just doesn't make sense that it should take two whole days to deposit a PAYCHECK to one of the accountholders, from a major employer. If I had gone in this afternoon with the check, gotten it cashed at one teller, then walked to the other teller and deposited it, it would have posted immediately. But because I deposited the check itself, it's going to take two days?

So there's my drama for today. Having to deal with it put me in a sour mood before BF even left for work, and now he won't be back until 10:30 tonight. Grrr. Forgot to add... WE FINALLY GOT A COUCH!!! YAY! Actually, we got a matching set of brown leather sofa & loveseat. I feel like we got a pretty good deal too, both for $1000 delivered. We stumbled on a place that was going out of business (they were right beside a Value City Furniture, go figure), and they cut the price down for us nicely. They even threw in four really nice throw pillows that match the leather on the couches. AND now I can mark that as one goal finished on my sidebar. We're thrilled. Smile [entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [38010] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => [categories] => Array ( [2625] => Array ( [category_id] => 2625 [category_name] => Budgeting [category_stub] => budgeting ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 38010 [entry_title] => New Brakes, New Router, New Clutch Switch? [entry_stub] => new-brakes-new-router-new-clutch-switch [entry_url] => https://sillyoleme.savingadvice.com/2008/04/18/new-brakes-new-router-new-clutch-switch_38010/ [entry_date] => 1208558830 [entry_date_mysql] => 2008-04-18 15:47:10 [entry_text] => Managed to get the truck to the shop this morning, and picked it up after work. $511.38 later, there is no grinding noise and the brakes are much better!

The mechanics said I needed new front brakes (period), and one new router. They managed to fix the other router, and cleaned/maintenanced my back brakes. I also told them about the issue of it not starting periodically, and they performed an electrical test. That guy said it was one of two things: either I need a completely new starter, or the neutral-safety switch for the clutch was going out. He said he thought it was the switch because when he wiggled the clutch, it started, but it could still be the starter.

Anyways, the $511.38 was the total for the brakes/router/labor/oil/tax today, and they had to order the switch for the clutch. He estimated that would be about $65 next week (but I'm not sure if that includes labor). I asked him how much a new starter would be, and he said with labor, somewhere between $300-$400 more. Whew! Let's pray it's not the starter, just the switch!!!

I do feel alot relieved, though. The brakes are new, the grinding is gone, and the oil is changed (next stop 119K miles). So hopefully when they replace the clutch switch next week, that will be the end of it for a good long while. *crosses fingers*

-----------------------------------------

Some random work news: I was taking out the trash before we closed the other night, and in my boss's office I saw a manilla folder with my name on it on her desk. I knew it wasn't my personnel file, because those are different looking, so I thought it must be MY manilla folder I had left in there earlier. I looked inside to see if she had marked anything else off my list, but then realized it wasn't mine. It was a manager's appraisal of my performance (monthly I guess), and with a quick glance, I saw that she had marked "Excellent" for my performance. Yay. Smile I assume that I will see that form officially at some point anyway, but it's nice to know she thinks I'm doing good right now.

-----------------------------------------

Eleven days till BF moves in. He's already cleaned his car out and washed it, so that he can pack his things in. Smile

-----------------------------------------

Puppy Update: Since I vacuumed/shampooed the carpet yesterday, he hasn't had any accidents. He didn't even get up last night and try to go. If we keep having problems at night though, I will wait until BF gets up here and then we'll crate him overnight. I don't want to do it now because he's my only company. Big Grin (Yes, I'm a chicken like that.)

-----------------------------------------

I need to figure out something to fix for dinner. I'm out of the ground turkey that I bought. I kind of feel like making some frozen veggies in the skillet, but then again I'd also like something with a bit more flavor. Hmmm, I dunno. One thing's for sure... I don't have much money left in the food budget for the month, so I can't go buy anything.

-----------------------------------------

Now that I've got the truck expenses taken care of (I hope), we need to start thinking about a budget for buying a couch. I have some extra from my signing bonus & tax refund, but I want to leave about $800 or so in there in case we need it before BF finds a job, or an emergency.

We want a brown leather couch, and we've decided that we'd like to go with a higher quality that will last us a while, rather than the cheapest just to get by. We have the cash for it, so I'd rather get something quality, but of course we can't break the bank either. Plus, we want to eventually have brown leather furniture as the cornerstone of our living room in our "real house". (That's what we call the house that we will someday OWN... instead of renting apartments)

Anybody know about how much a good, new, brown leather couch would cost? Anything we should know before shopping, any special kinds to look for? Any help would be appreciated! Big Grin [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37284] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2628,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 37284 [entry_title] => My Enemy, Cheap Candy [entry_stub] => my-enemy-cheap-candy [entry_url] => https://sillyoleme.savingadvice.com/2008/04/01/my-enemy-cheap-candy_37284/ [entry_date] => 1207101631 [entry_date_mysql] => 2008-04-01 19:00:31 [entry_text] => Today's Spending:

Gas: $15
Boxes & Tape: $4
Candy: $1.75
McDonalds: $4

I've learned not to go into work hungry anymore. I thought I'd be okay with a drink, but just knowing that I had to work until we closed, and I was already starving, I ended up buying a bag of candy to tide me over until lunch. The good news is, I bought it at our store, so I got it at 5% over cost. At least it was cheap candy. Smile

Then I realized that with the stress of the last few days, I had completely forgotten about planning for lunch. So, I hit McDonalds. I'm not proud of it, but hey, all I can do is plan for tomorrow!

Other than that, nothing much going on. The dog is driving me nuts, and I need to clean my apartment, but I'm not in a hurry. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37136] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2626,2627, [categories] => Array ( [2626] => Array ( [category_id] => 2626 [category_name] => Not Necessarily Financial [category_stub] => not-necessarily-financial ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 37136 [entry_title] => FreeCreditReport.Com Does Not Make Me Happy [entry_stub] => freecreditreportcom-does-not-make-me-hap [entry_url] => https://sillyoleme.savingadvice.com/2008/03/29/freecreditreportcom-does-not-make-me-hap_37136/ [entry_date] => 1206829669 [entry_date_mysql] => 2008-03-29 15:27:49 [entry_text] => I paid a stupid tax today. I had checked my credit score last week, and instead of paying the $5.95 for a one time score, I decided to enroll in the "7 day free trial" for free, and then cancel it before I had to pay. Why pay $5.95 when you can pay nothing, right?

Well, I can't really say what happened between the time that I made that decision and today when I checked my bank account, but perhaps it was all the excitement of BF coming to visit. Some how, some way, I started thinking the "trial period" was a MONTH instead of a WEEK. Needless to say, when I was logging into my new checking account today (the one that I haven't deposited money into because I'm having a heck of a time trying to get checks for it), I was VERY surprised to see that I had a NEGATIVE balance!!!

FreeCreditReport had charged 14.95 to my banking account, and then because I didn't have any deposited in there to cover it, I was charged a $35 overdraft fee. Hence the negative balance of $44.96.

At first I was ticked off because I thought I had been charged prematurely for the credit reporting, but then when I checked the site, I realized that it was only a WEEK free trial. So, it is my fault and my fault only.

So for this time, I will chalk it up to a VERY expensive credit score/report. If there is a positive to come from it, maybe it is that now I will be forced to make a stop at a local BBT branch and deposit some of the cash that BF gave me today. Maybe I will also get the checks situation straightened out.

And I did cancel the credit reporting membership effective today, so that is taken care of at least.

I have just started reading the Fly Lady website, and I am excited about starting that. Even though it really has nothing specifically to do with what happened to me today, it does focus on organization, and a "chaos" free life. Sounds good to me. I've got to get organized and stop costing myself money! [entry_active] => 1 [total_comments] => 8 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [36709] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 36709 [entry_title] => Graduation Stuff... Bleh. [entry_stub] => graduation-stuff-bleh [entry_url] => https://sillyoleme.savingadvice.com/2008/03/16/graduation-stuff-bleh_36709/ [entry_date] => 1205707103 [entry_date_mysql] => 2008-03-16 15:38:23 [entry_text] => Okay, so I just realized that I hadn't ordered my graduation cap/gown or invitations yet. It's kind of weird to be graduating college in May, when I was officially done in December (but they only do the whole ceremony once a year, so hey). Anyway, I got online to see if I could order from there (because I'm two states away from the school I'll be graduating from), and luckily I was able to order everything from the bookstore there. It should be shipped to my parent's address (not sure how I would get a box here).

The bad news is that it was $195 on my FFB credit card. I would have used my checking account, but I have no debit card for it, and they couldn't do a check for online ordering. Since alot of people will send me graduation money when they get the announcements, maybe I will be able to recoup some of the money!

That reminds me of some more info that I wanted to add into the equation:

As far as bank accounts, I have a few.

"Hometown" Checking Acct: ~$2,800
BBT Joint Checking: $50
Roth IRA: ~$450

The Hometown account is in my home state, and as soon as the BBT account is officially open and I have checks for it, I will transfer all of my money from the Hometown account into the BBT account. I have stopped the automatic deposit into the Roth IRA for now, because my new job is deducting my 401K. I also have about $200 in cash right now, which I will use for expenses until my checking account money is transferred here.

In case anyone is wondering why I have a joint checking account, my boyfriend is also on it. He is moving to this state to join me in about a month and a half now, at which point we'll both be using the same account. (It's one of the only banks with branches in both states!) Right now, if I want to buy something, I have a choice between writing a check from my Hometown account (if the place accepts checks), or using my Discover Card or FFB Card. I do not have my State Farm credit card with me, or a debit card for the Hometown acct.

So I guess my goals for now are:
1) Check the status of BBT acct & order checks for it (hopefully using the money that's already deposited into the acct).
2) Finish my first project for my new job and submit it.
3) Balance my Hometown acct checkbook.
4) Pay my cell phone bill. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) ) -->

This Money Pit.

July 30th, 2008 at 07:06 pm

Well, not much to report. Things with BF are better, but I'm still not 100% sure what I want or what I should do about everything. I have more or less been trying NOT to think about it, because I always over-analyze and I feel like I'll gain clarity faster if I focus on something else for a while.

So that something else has been work. I've completed a number of my correspondence courses, in between working my butt off at the store itself.

I think I'll try the expense tracking again in August. We improved at it in July, so hopefully August will be even better.

BF has decided that he is going back to college whenever we figure out where we'll be for more than 6 months at a time. He doesn't want to take a bunch of classes that won't eventually transfer to wherever we end up and where he gets his degree from. I was a little shocked when he told me. We've talked about him going to finish his Associate's before, but he said he's going to get a Bachelor's. That is a big step for him, and I appreciate it. I think our relationship will benefit alot when he is on "level footing" as far as having a college degree.

I know it shouldn't matter, but he gets depressed sometimes that he isn't the "provider", and thinks I'm not proud of him for anything. I tell him that I am, for the person that he is, his work ethic, his kindness, etc... but I think it is something he needs to do for himself. And of course I will be thrilled if he can find a better quality of work, with better working conditions & pay.

I transferred $20 to our Orange Savings a few days ago. Even though I'm really trying to focus on paying down our debt, I know that we need to be saving some for the holidays, so that we don't end up racking up more credit card debt right before the pup needs surgery.

I'm thinking of trying to work a few more hours per week at work. The good part is that I'm technically an employee of the corporation, not the store, so the no-overtime rule doesn't apply to me. The bad news is, that I don't get paid very much for overtime (to discourage it I guess). But even if I can just get there 30 minutes early on days that I work... I always end up staying 15 minutes later to close anyway. So that might add up to an extra $4/day by the time taxes are taken out. Then that would be about $20/week, or $80/month.

Another reason I'm working so hard is that I am trying to make sure I get done a little early. Spring is our busy time, so I'm afraid if I wait until March (my supposed end date), they won't want to move me in the middle of it. Then I'd be waiting another 4 months to begin my next segment.

Plus, wherever we end up, the cost of living just about HAS to be less than here. If we can get rent for $500, and live close enough to work that our gas is $200, we will be saving $800/month automatically! That's not even counting the raise I'm supposed to get! So yea, the sooner we can get out of this money-pit, the better! Forgot to add... WE FINALLY GOT A COUCH!!! YAY! Actually, we got a matching set of brown leather sofa & loveseat. I feel like we got a pretty good deal too, both for $1000 delivered. We stumbled on a place that was going out of business (they were right beside a Value City Furniture, go figure), and they cut the price down for us nicely. They even threw in four really nice throw pillows that match the leather on the couches. AND now I can mark that as one goal finished on my sidebar. We're thrilled. Smile [entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [38010] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => [categories] => Array ( [2625] => Array ( [category_id] => 2625 [category_name] => Budgeting [category_stub] => budgeting ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 38010 [entry_title] => New Brakes, New Router, New Clutch Switch? [entry_stub] => new-brakes-new-router-new-clutch-switch [entry_url] => https://sillyoleme.savingadvice.com/2008/04/18/new-brakes-new-router-new-clutch-switch_38010/ [entry_date] => 1208558830 [entry_date_mysql] => 2008-04-18 15:47:10 [entry_text] => Managed to get the truck to the shop this morning, and picked it up after work. $511.38 later, there is no grinding noise and the brakes are much better!

The mechanics said I needed new front brakes (period), and one new router. They managed to fix the other router, and cleaned/maintenanced my back brakes. I also told them about the issue of it not starting periodically, and they performed an electrical test. That guy said it was one of two things: either I need a completely new starter, or the neutral-safety switch for the clutch was going out. He said he thought it was the switch because when he wiggled the clutch, it started, but it could still be the starter.

Anyways, the $511.38 was the total for the brakes/router/labor/oil/tax today, and they had to order the switch for the clutch. He estimated that would be about $65 next week (but I'm not sure if that includes labor). I asked him how much a new starter would be, and he said with labor, somewhere between $300-$400 more. Whew! Let's pray it's not the starter, just the switch!!!

I do feel alot relieved, though. The brakes are new, the grinding is gone, and the oil is changed (next stop 119K miles). So hopefully when they replace the clutch switch next week, that will be the end of it for a good long while. *crosses fingers*

-----------------------------------------

Some random work news: I was taking out the trash before we closed the other night, and in my boss's office I saw a manilla folder with my name on it on her desk. I knew it wasn't my personnel file, because those are different looking, so I thought it must be MY manilla folder I had left in there earlier. I looked inside to see if she had marked anything else off my list, but then realized it wasn't mine. It was a manager's appraisal of my performance (monthly I guess), and with a quick glance, I saw that she had marked "Excellent" for my performance. Yay. Smile I assume that I will see that form officially at some point anyway, but it's nice to know she thinks I'm doing good right now.

-----------------------------------------

Eleven days till BF moves in. He's already cleaned his car out and washed it, so that he can pack his things in. Smile

-----------------------------------------

Puppy Update: Since I vacuumed/shampooed the carpet yesterday, he hasn't had any accidents. He didn't even get up last night and try to go. If we keep having problems at night though, I will wait until BF gets up here and then we'll crate him overnight. I don't want to do it now because he's my only company. Big Grin (Yes, I'm a chicken like that.)

-----------------------------------------

I need to figure out something to fix for dinner. I'm out of the ground turkey that I bought. I kind of feel like making some frozen veggies in the skillet, but then again I'd also like something with a bit more flavor. Hmmm, I dunno. One thing's for sure... I don't have much money left in the food budget for the month, so I can't go buy anything.

-----------------------------------------

Now that I've got the truck expenses taken care of (I hope), we need to start thinking about a budget for buying a couch. I have some extra from my signing bonus & tax refund, but I want to leave about $800 or so in there in case we need it before BF finds a job, or an emergency.

We want a brown leather couch, and we've decided that we'd like to go with a higher quality that will last us a while, rather than the cheapest just to get by. We have the cash for it, so I'd rather get something quality, but of course we can't break the bank either. Plus, we want to eventually have brown leather furniture as the cornerstone of our living room in our "real house". (That's what we call the house that we will someday OWN... instead of renting apartments)

Anybody know about how much a good, new, brown leather couch would cost? Anything we should know before shopping, any special kinds to look for? Any help would be appreciated! Big Grin [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37284] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2628,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 37284 [entry_title] => My Enemy, Cheap Candy [entry_stub] => my-enemy-cheap-candy [entry_url] => https://sillyoleme.savingadvice.com/2008/04/01/my-enemy-cheap-candy_37284/ [entry_date] => 1207101631 [entry_date_mysql] => 2008-04-01 19:00:31 [entry_text] => Today's Spending:

Gas: $15
Boxes & Tape: $4
Candy: $1.75
McDonalds: $4

I've learned not to go into work hungry anymore. I thought I'd be okay with a drink, but just knowing that I had to work until we closed, and I was already starving, I ended up buying a bag of candy to tide me over until lunch. The good news is, I bought it at our store, so I got it at 5% over cost. At least it was cheap candy. Smile

Then I realized that with the stress of the last few days, I had completely forgotten about planning for lunch. So, I hit McDonalds. I'm not proud of it, but hey, all I can do is plan for tomorrow!

Other than that, nothing much going on. The dog is driving me nuts, and I need to clean my apartment, but I'm not in a hurry. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37136] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2626,2627, [categories] => Array ( [2626] => Array ( [category_id] => 2626 [category_name] => Not Necessarily Financial [category_stub] => not-necessarily-financial ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 37136 [entry_title] => FreeCreditReport.Com Does Not Make Me Happy [entry_stub] => freecreditreportcom-does-not-make-me-hap [entry_url] => https://sillyoleme.savingadvice.com/2008/03/29/freecreditreportcom-does-not-make-me-hap_37136/ [entry_date] => 1206829669 [entry_date_mysql] => 2008-03-29 15:27:49 [entry_text] => I paid a stupid tax today. I had checked my credit score last week, and instead of paying the $5.95 for a one time score, I decided to enroll in the "7 day free trial" for free, and then cancel it before I had to pay. Why pay $5.95 when you can pay nothing, right?

Well, I can't really say what happened between the time that I made that decision and today when I checked my bank account, but perhaps it was all the excitement of BF coming to visit. Some how, some way, I started thinking the "trial period" was a MONTH instead of a WEEK. Needless to say, when I was logging into my new checking account today (the one that I haven't deposited money into because I'm having a heck of a time trying to get checks for it), I was VERY surprised to see that I had a NEGATIVE balance!!!

FreeCreditReport had charged 14.95 to my banking account, and then because I didn't have any deposited in there to cover it, I was charged a $35 overdraft fee. Hence the negative balance of $44.96.

At first I was ticked off because I thought I had been charged prematurely for the credit reporting, but then when I checked the site, I realized that it was only a WEEK free trial. So, it is my fault and my fault only.

So for this time, I will chalk it up to a VERY expensive credit score/report. If there is a positive to come from it, maybe it is that now I will be forced to make a stop at a local BBT branch and deposit some of the cash that BF gave me today. Maybe I will also get the checks situation straightened out.

And I did cancel the credit reporting membership effective today, so that is taken care of at least.

I have just started reading the Fly Lady website, and I am excited about starting that. Even though it really has nothing specifically to do with what happened to me today, it does focus on organization, and a "chaos" free life. Sounds good to me. I've got to get organized and stop costing myself money! [entry_active] => 1 [total_comments] => 8 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [36709] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 36709 [entry_title] => Graduation Stuff... Bleh. [entry_stub] => graduation-stuff-bleh [entry_url] => https://sillyoleme.savingadvice.com/2008/03/16/graduation-stuff-bleh_36709/ [entry_date] => 1205707103 [entry_date_mysql] => 2008-03-16 15:38:23 [entry_text] => Okay, so I just realized that I hadn't ordered my graduation cap/gown or invitations yet. It's kind of weird to be graduating college in May, when I was officially done in December (but they only do the whole ceremony once a year, so hey). Anyway, I got online to see if I could order from there (because I'm two states away from the school I'll be graduating from), and luckily I was able to order everything from the bookstore there. It should be shipped to my parent's address (not sure how I would get a box here).

The bad news is that it was $195 on my FFB credit card. I would have used my checking account, but I have no debit card for it, and they couldn't do a check for online ordering. Since alot of people will send me graduation money when they get the announcements, maybe I will be able to recoup some of the money!

That reminds me of some more info that I wanted to add into the equation:

As far as bank accounts, I have a few.

"Hometown" Checking Acct: ~$2,800
BBT Joint Checking: $50
Roth IRA: ~$450

The Hometown account is in my home state, and as soon as the BBT account is officially open and I have checks for it, I will transfer all of my money from the Hometown account into the BBT account. I have stopped the automatic deposit into the Roth IRA for now, because my new job is deducting my 401K. I also have about $200 in cash right now, which I will use for expenses until my checking account money is transferred here.

In case anyone is wondering why I have a joint checking account, my boyfriend is also on it. He is moving to this state to join me in about a month and a half now, at which point we'll both be using the same account. (It's one of the only banks with branches in both states!) Right now, if I want to buy something, I have a choice between writing a check from my Hometown account (if the place accepts checks), or using my Discover Card or FFB Card. I do not have my State Farm credit card with me, or a debit card for the Hometown acct.

So I guess my goals for now are:
1) Check the status of BBT acct & order checks for it (hopefully using the money that's already deposited into the acct).
2) Finish my first project for my new job and submit it.
3) Balance my Hometown acct checkbook.
4) Pay my cell phone bill. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) ) -->

I am struggling.

July 26th, 2008 at 11:56 am

Well, this month has been a struggle to track expenses, and I've all but given up. With visitors, weird bills, and a work conference, I haven't kept up with it like I should have. I did well the first half of the month though, so I can go back and look at that I suppose. Otherwise... here's to August!

My work conference was GREAT. I had dreaded it a bit before I left, mostly because I thought I'd be miserable without BF and feel left out because I didn't have a roommate, etc.

Looking back on it, the group of people I was with was truly amazing. We're all around the same age (22-26), and we all got along so well that it was really surprising. I expected to be in meetings and presentations all day, then at night for a few people to hang out, but mostly be in my hotel room. It turned out the complete opposite.

We had alot of speakers, and met SO many executives and even the CEO. It's weird to stand up and introduce yourself to the CEO of your company, especially when he already knows everything you're about to tell him. And afterwards, we all hung out together. One night it was a structured event because we had dinner with some execs from different departments, but the rest of the time it was up to us. It's kind of crazy that we all came in not knowing each other, and in 5 days, we were seriously sad to leave.

I did miss BF, but it wasn't as bad as I thought it would be. We were so busy with structured stuff during the day, and socializing at night, that it wasn't that bad at all.

We all came out as friends, with some people closer than others. The girls were grossly outnumbered by the guys, but everyone meshed really well. Every meeting we went to, the presenters or facilitators would end up telling us "My stomach hurts from laughing with you guys so much" and "I've never seen such a close group".

When we got out of our last bit of training yesterday afternoon, everyone was tired, but ready to go back to our individual work places and put it into action. A few of us stayed a little longer to exchange some self-study materials, and it was cool to walk out of the building and see your whole group waiting on the rest of us, not wanting to leave.

And then we all decided to run to McDonalds for our last meal together, and there were alot of handshakes and hugs afterwards before heading home. We joked that we were going to insist on all being in the same district. We'd either be the best or the absolute worst in the company, lol.

I'm off work today, which I would normally be pumped about. But having so much stuff I want to get started on, change, learn, it kind of sucks that I have to wait until Monday now. While at the conference, I did get a binder about our big project at the end of our training, so I could start looking through that today. I can also try to knock out a few more self study assignments I suppose, if I really feel like accomplishing something.

I have been depressed all day, and it's kind of hard to pin-point the reason. Part of it is going from a very busy, very social past 5 days, back to the same ole routine. I went from Starbucks, meetings, training, executives, having drinks with new friends, and travelling to new places, back to an apartment that needs to be cleaned, a truck that needs to be washed, and bills that need to be paid. And BF did have to work today, so now I am sitting alone bored.

Another thing I'm struggling with now... at our conference, I really got to compare my life with the other people's. I know it's difficult to tell what's really going on in someone's financial life, but since we're all around the same age, in the same job, with the same salary (yes, we all figured that out)... who better to compare yourself to?

And here's what I found out: 3/12 of us were engaged, 1/12 was married, 3/12 were in long-term relationships, and 5/12 were single. 3/12 either owned a home or were in the process of buying. From the vehicles that I saw, most were 2004 or later models. Everyone I rode with had a navigation system, and XM radio. Everyone had nice clothes and cell phones... fitting for young business people I suppose.

I know many of you will look at all that as over-the-top, and I really tried to, but I couldn't help but get a little depressed over my situation. I live in the highest cost-of-living area out of anyone, and I also pay the most in gas driving back and forth. (Rent would be much higher if I lived closer to work). I have a truck that has been dependable for the most part, but is starting to show its age and wear. No navigation system, I got lost and ended up at an international airport on the way down because I was trying to read BF's handwritten directions. And the radio I have usually doesn't even change channels. I push all different buttons, but it stays on the same channel until it feels like changing.

While everyone was wearing Ralph Lauren shirts, I went to Target and got 2 shirts for $6, because I literally had nothing else but dress clothes. And the dress pants I had, I got at Walmart the day before I went.

I know my situation could be alot worse, and I am truly thankful for what I do have, but it's difficult when you see people in the same position in life, and they are able to do so much more just because they live in a different area, where they pay $500 less rent every month, and $400 less in gas. Grrrr.

Now that I'm done whining, I will say that I could go out and buy a navigation system right now. But then I'd just want to get a satellite radio for the long drives to and from work. And why get a nice radio and satellite system when I have no room for anyone in my 2-seater truck, and it isn't too fancy itself.

So the grim realization is that I have debts to pay, expensive rent due in a week, and gas isn't getting much cheaper.

It's depressing, it really is. I don't want to look back when I'm 30, and be in the same position as I would've been if I had actually spent some money on "frivolous" things that would've made life a bit more fun. I guess I just have the temporary mentality of - you are only young once, why not enjoy it?

Well, now that I have talked all this out, and maybe understand it a bit better, I think I will go see about paying some bills. Maybe it will make me feel a little better to see the amounts on BF's student loans go down a bit, as well as our credit cards.

The only thing I do seriously consider is the truck. If I were to get a gas-saving car, I could almost justify the trade. I get about 20 MPG in my truck, and with $3.90/gallon gas and driving 90 miles every day, the savings could add up. But then again, if I'm going to have a car payment, I would want to get something that I'm going to be happy with for a long time. With BF, and a big dog that likes to ride, I don't know if a Civic is the best choice.

I don't want to go buy a Civic or Corolla, and then the next training position I'm in be somewhere with lower costs, where I can live right next to work and save $800/month. At that point, I could deal with paying a car payment and having the gas mileage of a smaller SUV.

Something to think about. But right now, I'm struggling with all kinds of emotions. The best solution may just be to pay some bills, and chug along on my work assignments, hopefully I can get to that cheaper location sooner. Forgot to add... WE FINALLY GOT A COUCH!!! YAY! Actually, we got a matching set of brown leather sofa & loveseat. I feel like we got a pretty good deal too, both for $1000 delivered. We stumbled on a place that was going out of business (they were right beside a Value City Furniture, go figure), and they cut the price down for us nicely. They even threw in four really nice throw pillows that match the leather on the couches. AND now I can mark that as one goal finished on my sidebar. We're thrilled. Smile [entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [38010] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => [categories] => Array ( [2625] => Array ( [category_id] => 2625 [category_name] => Budgeting [category_stub] => budgeting ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 38010 [entry_title] => New Brakes, New Router, New Clutch Switch? [entry_stub] => new-brakes-new-router-new-clutch-switch [entry_url] => https://sillyoleme.savingadvice.com/2008/04/18/new-brakes-new-router-new-clutch-switch_38010/ [entry_date] => 1208558830 [entry_date_mysql] => 2008-04-18 15:47:10 [entry_text] => Managed to get the truck to the shop this morning, and picked it up after work. $511.38 later, there is no grinding noise and the brakes are much better!

The mechanics said I needed new front brakes (period), and one new router. They managed to fix the other router, and cleaned/maintenanced my back brakes. I also told them about the issue of it not starting periodically, and they performed an electrical test. That guy said it was one of two things: either I need a completely new starter, or the neutral-safety switch for the clutch was going out. He said he thought it was the switch because when he wiggled the clutch, it started, but it could still be the starter.

Anyways, the $511.38 was the total for the brakes/router/labor/oil/tax today, and they had to order the switch for the clutch. He estimated that would be about $65 next week (but I'm not sure if that includes labor). I asked him how much a new starter would be, and he said with labor, somewhere between $300-$400 more. Whew! Let's pray it's not the starter, just the switch!!!

I do feel alot relieved, though. The brakes are new, the grinding is gone, and the oil is changed (next stop 119K miles). So hopefully when they replace the clutch switch next week, that will be the end of it for a good long while. *crosses fingers*

-----------------------------------------

Some random work news: I was taking out the trash before we closed the other night, and in my boss's office I saw a manilla folder with my name on it on her desk. I knew it wasn't my personnel file, because those are different looking, so I thought it must be MY manilla folder I had left in there earlier. I looked inside to see if she had marked anything else off my list, but then realized it wasn't mine. It was a manager's appraisal of my performance (monthly I guess), and with a quick glance, I saw that she had marked "Excellent" for my performance. Yay. Smile I assume that I will see that form officially at some point anyway, but it's nice to know she thinks I'm doing good right now.

-----------------------------------------

Eleven days till BF moves in. He's already cleaned his car out and washed it, so that he can pack his things in. Smile

-----------------------------------------

Puppy Update: Since I vacuumed/shampooed the carpet yesterday, he hasn't had any accidents. He didn't even get up last night and try to go. If we keep having problems at night though, I will wait until BF gets up here and then we'll crate him overnight. I don't want to do it now because he's my only company. Big Grin (Yes, I'm a chicken like that.)

-----------------------------------------

I need to figure out something to fix for dinner. I'm out of the ground turkey that I bought. I kind of feel like making some frozen veggies in the skillet, but then again I'd also like something with a bit more flavor. Hmmm, I dunno. One thing's for sure... I don't have much money left in the food budget for the month, so I can't go buy anything.

-----------------------------------------

Now that I've got the truck expenses taken care of (I hope), we need to start thinking about a budget for buying a couch. I have some extra from my signing bonus & tax refund, but I want to leave about $800 or so in there in case we need it before BF finds a job, or an emergency.

We want a brown leather couch, and we've decided that we'd like to go with a higher quality that will last us a while, rather than the cheapest just to get by. We have the cash for it, so I'd rather get something quality, but of course we can't break the bank either. Plus, we want to eventually have brown leather furniture as the cornerstone of our living room in our "real house". (That's what we call the house that we will someday OWN... instead of renting apartments)

Anybody know about how much a good, new, brown leather couch would cost? Anything we should know before shopping, any special kinds to look for? Any help would be appreciated! Big Grin [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37284] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2628,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 37284 [entry_title] => My Enemy, Cheap Candy [entry_stub] => my-enemy-cheap-candy [entry_url] => https://sillyoleme.savingadvice.com/2008/04/01/my-enemy-cheap-candy_37284/ [entry_date] => 1207101631 [entry_date_mysql] => 2008-04-01 19:00:31 [entry_text] => Today's Spending:

Gas: $15
Boxes & Tape: $4
Candy: $1.75
McDonalds: $4

I've learned not to go into work hungry anymore. I thought I'd be okay with a drink, but just knowing that I had to work until we closed, and I was already starving, I ended up buying a bag of candy to tide me over until lunch. The good news is, I bought it at our store, so I got it at 5% over cost. At least it was cheap candy. Smile

Then I realized that with the stress of the last few days, I had completely forgotten about planning for lunch. So, I hit McDonalds. I'm not proud of it, but hey, all I can do is plan for tomorrow!

Other than that, nothing much going on. The dog is driving me nuts, and I need to clean my apartment, but I'm not in a hurry. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37136] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2626,2627, [categories] => Array ( [2626] => Array ( [category_id] => 2626 [category_name] => Not Necessarily Financial [category_stub] => not-necessarily-financial ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 37136 [entry_title] => FreeCreditReport.Com Does Not Make Me Happy [entry_stub] => freecreditreportcom-does-not-make-me-hap [entry_url] => https://sillyoleme.savingadvice.com/2008/03/29/freecreditreportcom-does-not-make-me-hap_37136/ [entry_date] => 1206829669 [entry_date_mysql] => 2008-03-29 15:27:49 [entry_text] => I paid a stupid tax today. I had checked my credit score last week, and instead of paying the $5.95 for a one time score, I decided to enroll in the "7 day free trial" for free, and then cancel it before I had to pay. Why pay $5.95 when you can pay nothing, right?

Well, I can't really say what happened between the time that I made that decision and today when I checked my bank account, but perhaps it was all the excitement of BF coming to visit. Some how, some way, I started thinking the "trial period" was a MONTH instead of a WEEK. Needless to say, when I was logging into my new checking account today (the one that I haven't deposited money into because I'm having a heck of a time trying to get checks for it), I was VERY surprised to see that I had a NEGATIVE balance!!!

FreeCreditReport had charged 14.95 to my banking account, and then because I didn't have any deposited in there to cover it, I was charged a $35 overdraft fee. Hence the negative balance of $44.96.

At first I was ticked off because I thought I had been charged prematurely for the credit reporting, but then when I checked the site, I realized that it was only a WEEK free trial. So, it is my fault and my fault only.

So for this time, I will chalk it up to a VERY expensive credit score/report. If there is a positive to come from it, maybe it is that now I will be forced to make a stop at a local BBT branch and deposit some of the cash that BF gave me today. Maybe I will also get the checks situation straightened out.

And I did cancel the credit reporting membership effective today, so that is taken care of at least.

I have just started reading the Fly Lady website, and I am excited about starting that. Even though it really has nothing specifically to do with what happened to me today, it does focus on organization, and a "chaos" free life. Sounds good to me. I've got to get organized and stop costing myself money! [entry_active] => 1 [total_comments] => 8 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [36709] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 36709 [entry_title] => Graduation Stuff... Bleh. [entry_stub] => graduation-stuff-bleh [entry_url] => https://sillyoleme.savingadvice.com/2008/03/16/graduation-stuff-bleh_36709/ [entry_date] => 1205707103 [entry_date_mysql] => 2008-03-16 15:38:23 [entry_text] => Okay, so I just realized that I hadn't ordered my graduation cap/gown or invitations yet. It's kind of weird to be graduating college in May, when I was officially done in December (but they only do the whole ceremony once a year, so hey). Anyway, I got online to see if I could order from there (because I'm two states away from the school I'll be graduating from), and luckily I was able to order everything from the bookstore there. It should be shipped to my parent's address (not sure how I would get a box here).

The bad news is that it was $195 on my FFB credit card. I would have used my checking account, but I have no debit card for it, and they couldn't do a check for online ordering. Since alot of people will send me graduation money when they get the announcements, maybe I will be able to recoup some of the money!

That reminds me of some more info that I wanted to add into the equation:

As far as bank accounts, I have a few.

"Hometown" Checking Acct: ~$2,800
BBT Joint Checking: $50
Roth IRA: ~$450

The Hometown account is in my home state, and as soon as the BBT account is officially open and I have checks for it, I will transfer all of my money from the Hometown account into the BBT account. I have stopped the automatic deposit into the Roth IRA for now, because my new job is deducting my 401K. I also have about $200 in cash right now, which I will use for expenses until my checking account money is transferred here.

In case anyone is wondering why I have a joint checking account, my boyfriend is also on it. He is moving to this state to join me in about a month and a half now, at which point we'll both be using the same account. (It's one of the only banks with branches in both states!) Right now, if I want to buy something, I have a choice between writing a check from my Hometown account (if the place accepts checks), or using my Discover Card or FFB Card. I do not have my State Farm credit card with me, or a debit card for the Hometown acct.

So I guess my goals for now are:
1) Check the status of BBT acct & order checks for it (hopefully using the money that's already deposited into the acct).
2) Finish my first project for my new job and submit it.
3) Balance my Hometown acct checkbook.
4) Pay my cell phone bill. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) ) -->

Leaving For My Conference Tomorrow!

July 19th, 2008 at 03:49 pm

-SPENDING-
Gas For BF's Car: $XXX
Retractable Leash For Pup: $22.04
My Food @ Work: $2.69

+++++++++++++++++++++++++++++++++++++++++

WOW the past few days have been so busy. BF's family was here, and it was pretty much total chaos. His niece is sweet as can be, but so sensitive that the dog kept upsetting her. It was their "vacation", so they wanted to go do things all day long, which of course meant spending money for us.

All in all, it wasn't as bad as it could've been. We drove to show them where BF works and picked up his check while we were there. Then we visited a small farmer's market that was nearby, which was free since we didn't end up buying anything. We also visited the nearby outlet stores & mall, where BF got a much needed outfit (all his clothes are SO old) for a decent price, and we ate a food court meal. After that, we headed to Chuck E Cheese's for his niece, where we picked up $20 of the $30 food tab. It was more than our share, but they were using their gas while driving around, so we went ahead and paid the $20.

We also did miniature golf, which was $10 for BF & I, but we only ended up playing about 12 of the holes because it was unbearably hot outside.

They stayed with us, and we cooked dinner two nights, got McDonalds on the third. We had to go out and get chicken for the second meal, but they bought a pie for dessert.

It's amazing how being around people that are on a "vacation" or "spending" mindset can affect you. Obviously we wouldn't have spent that money if they hadn't come.

It was a good visit, I'm glad we got to see them, and we had a good time, but I was okay when they went home. There was just so much chaos, and I was so worn out from running around.

I had to go back to work yesterday morning, and early again today as well. I leave for my work conference tomorrow at about 7AM, and I'm going to be gone until Friday night. I have been so stressed trying to make sure I've got everything ready, I still have to pack everything and finish washing clothes. I don't even know what I'm wearing tomorrow! Ahh! Stress.

I will miss BF while I'm gone. It will suck, but at least it's just a week. He is gone right now to get one of the $1 movies from Walmart: 10,000 BC. I've wanted to see it, and he caved since I leave tomorrow. He's also picking up the makeup that I just ran out of, so it will be interesting to see if he gets the right kind/shade. Boys.

Well... I'm a little behind on tallying all our spending, but I've been trying to make sure we get all the expenses down. I'm going to take my laptop to the conference, so maybe if I have some downtime in the hotel, and they have internet access, I can get everything up-to-date. Forgot to add... WE FINALLY GOT A COUCH!!! YAY! Actually, we got a matching set of brown leather sofa & loveseat. I feel like we got a pretty good deal too, both for $1000 delivered. We stumbled on a place that was going out of business (they were right beside a Value City Furniture, go figure), and they cut the price down for us nicely. They even threw in four really nice throw pillows that match the leather on the couches. AND now I can mark that as one goal finished on my sidebar. We're thrilled. Smile [entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [38010] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => [categories] => Array ( [2625] => Array ( [category_id] => 2625 [category_name] => Budgeting [category_stub] => budgeting ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 38010 [entry_title] => New Brakes, New Router, New Clutch Switch? [entry_stub] => new-brakes-new-router-new-clutch-switch [entry_url] => https://sillyoleme.savingadvice.com/2008/04/18/new-brakes-new-router-new-clutch-switch_38010/ [entry_date] => 1208558830 [entry_date_mysql] => 2008-04-18 15:47:10 [entry_text] => Managed to get the truck to the shop this morning, and picked it up after work. $511.38 later, there is no grinding noise and the brakes are much better!

The mechanics said I needed new front brakes (period), and one new router. They managed to fix the other router, and cleaned/maintenanced my back brakes. I also told them about the issue of it not starting periodically, and they performed an electrical test. That guy said it was one of two things: either I need a completely new starter, or the neutral-safety switch for the clutch was going out. He said he thought it was the switch because when he wiggled the clutch, it started, but it could still be the starter.

Anyways, the $511.38 was the total for the brakes/router/labor/oil/tax today, and they had to order the switch for the clutch. He estimated that would be about $65 next week (but I'm not sure if that includes labor). I asked him how much a new starter would be, and he said with labor, somewhere between $300-$400 more. Whew! Let's pray it's not the starter, just the switch!!!

I do feel alot relieved, though. The brakes are new, the grinding is gone, and the oil is changed (next stop 119K miles). So hopefully when they replace the clutch switch next week, that will be the end of it for a good long while. *crosses fingers*

-----------------------------------------

Some random work news: I was taking out the trash before we closed the other night, and in my boss's office I saw a manilla folder with my name on it on her desk. I knew it wasn't my personnel file, because those are different looking, so I thought it must be MY manilla folder I had left in there earlier. I looked inside to see if she had marked anything else off my list, but then realized it wasn't mine. It was a manager's appraisal of my performance (monthly I guess), and with a quick glance, I saw that she had marked "Excellent" for my performance. Yay. Smile I assume that I will see that form officially at some point anyway, but it's nice to know she thinks I'm doing good right now.

-----------------------------------------

Eleven days till BF moves in. He's already cleaned his car out and washed it, so that he can pack his things in. Smile

-----------------------------------------

Puppy Update: Since I vacuumed/shampooed the carpet yesterday, he hasn't had any accidents. He didn't even get up last night and try to go. If we keep having problems at night though, I will wait until BF gets up here and then we'll crate him overnight. I don't want to do it now because he's my only company. Big Grin (Yes, I'm a chicken like that.)

-----------------------------------------

I need to figure out something to fix for dinner. I'm out of the ground turkey that I bought. I kind of feel like making some frozen veggies in the skillet, but then again I'd also like something with a bit more flavor. Hmmm, I dunno. One thing's for sure... I don't have much money left in the food budget for the month, so I can't go buy anything.

-----------------------------------------

Now that I've got the truck expenses taken care of (I hope), we need to start thinking about a budget for buying a couch. I have some extra from my signing bonus & tax refund, but I want to leave about $800 or so in there in case we need it before BF finds a job, or an emergency.

We want a brown leather couch, and we've decided that we'd like to go with a higher quality that will last us a while, rather than the cheapest just to get by. We have the cash for it, so I'd rather get something quality, but of course we can't break the bank either. Plus, we want to eventually have brown leather furniture as the cornerstone of our living room in our "real house". (That's what we call the house that we will someday OWN... instead of renting apartments)

Anybody know about how much a good, new, brown leather couch would cost? Anything we should know before shopping, any special kinds to look for? Any help would be appreciated! Big Grin [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37284] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2628,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 37284 [entry_title] => My Enemy, Cheap Candy [entry_stub] => my-enemy-cheap-candy [entry_url] => https://sillyoleme.savingadvice.com/2008/04/01/my-enemy-cheap-candy_37284/ [entry_date] => 1207101631 [entry_date_mysql] => 2008-04-01 19:00:31 [entry_text] => Today's Spending:

Gas: $15
Boxes & Tape: $4
Candy: $1.75
McDonalds: $4

I've learned not to go into work hungry anymore. I thought I'd be okay with a drink, but just knowing that I had to work until we closed, and I was already starving, I ended up buying a bag of candy to tide me over until lunch. The good news is, I bought it at our store, so I got it at 5% over cost. At least it was cheap candy. Smile

Then I realized that with the stress of the last few days, I had completely forgotten about planning for lunch. So, I hit McDonalds. I'm not proud of it, but hey, all I can do is plan for tomorrow!

Other than that, nothing much going on. The dog is driving me nuts, and I need to clean my apartment, but I'm not in a hurry. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37136] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2626,2627, [categories] => Array ( [2626] => Array ( [category_id] => 2626 [category_name] => Not Necessarily Financial [category_stub] => not-necessarily-financial ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 37136 [entry_title] => FreeCreditReport.Com Does Not Make Me Happy [entry_stub] => freecreditreportcom-does-not-make-me-hap [entry_url] => https://sillyoleme.savingadvice.com/2008/03/29/freecreditreportcom-does-not-make-me-hap_37136/ [entry_date] => 1206829669 [entry_date_mysql] => 2008-03-29 15:27:49 [entry_text] => I paid a stupid tax today. I had checked my credit score last week, and instead of paying the $5.95 for a one time score, I decided to enroll in the "7 day free trial" for free, and then cancel it before I had to pay. Why pay $5.95 when you can pay nothing, right?

Well, I can't really say what happened between the time that I made that decision and today when I checked my bank account, but perhaps it was all the excitement of BF coming to visit. Some how, some way, I started thinking the "trial period" was a MONTH instead of a WEEK. Needless to say, when I was logging into my new checking account today (the one that I haven't deposited money into because I'm having a heck of a time trying to get checks for it), I was VERY surprised to see that I had a NEGATIVE balance!!!

FreeCreditReport had charged 14.95 to my banking account, and then because I didn't have any deposited in there to cover it, I was charged a $35 overdraft fee. Hence the negative balance of $44.96.

At first I was ticked off because I thought I had been charged prematurely for the credit reporting, but then when I checked the site, I realized that it was only a WEEK free trial. So, it is my fault and my fault only.

So for this time, I will chalk it up to a VERY expensive credit score/report. If there is a positive to come from it, maybe it is that now I will be forced to make a stop at a local BBT branch and deposit some of the cash that BF gave me today. Maybe I will also get the checks situation straightened out.

And I did cancel the credit reporting membership effective today, so that is taken care of at least.

I have just started reading the Fly Lady website, and I am excited about starting that. Even though it really has nothing specifically to do with what happened to me today, it does focus on organization, and a "chaos" free life. Sounds good to me. I've got to get organized and stop costing myself money! [entry_active] => 1 [total_comments] => 8 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [36709] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 36709 [entry_title] => Graduation Stuff... Bleh. [entry_stub] => graduation-stuff-bleh [entry_url] => https://sillyoleme.savingadvice.com/2008/03/16/graduation-stuff-bleh_36709/ [entry_date] => 1205707103 [entry_date_mysql] => 2008-03-16 15:38:23 [entry_text] => Okay, so I just realized that I hadn't ordered my graduation cap/gown or invitations yet. It's kind of weird to be graduating college in May, when I was officially done in December (but they only do the whole ceremony once a year, so hey). Anyway, I got online to see if I could order from there (because I'm two states away from the school I'll be graduating from), and luckily I was able to order everything from the bookstore there. It should be shipped to my parent's address (not sure how I would get a box here).

The bad news is that it was $195 on my FFB credit card. I would have used my checking account, but I have no debit card for it, and they couldn't do a check for online ordering. Since alot of people will send me graduation money when they get the announcements, maybe I will be able to recoup some of the money!

That reminds me of some more info that I wanted to add into the equation:

As far as bank accounts, I have a few.

"Hometown" Checking Acct: ~$2,800
BBT Joint Checking: $50
Roth IRA: ~$450

The Hometown account is in my home state, and as soon as the BBT account is officially open and I have checks for it, I will transfer all of my money from the Hometown account into the BBT account. I have stopped the automatic deposit into the Roth IRA for now, because my new job is deducting my 401K. I also have about $200 in cash right now, which I will use for expenses until my checking account money is transferred here.

In case anyone is wondering why I have a joint checking account, my boyfriend is also on it. He is moving to this state to join me in about a month and a half now, at which point we'll both be using the same account. (It's one of the only banks with branches in both states!) Right now, if I want to buy something, I have a choice between writing a check from my Hometown account (if the place accepts checks), or using my Discover Card or FFB Card. I do not have my State Farm credit card with me, or a debit card for the Hometown acct.

So I guess my goals for now are:
1) Check the status of BBT acct & order checks for it (hopefully using the money that's already deposited into the acct).
2) Finish my first project for my new job and submit it.
3) Balance my Hometown acct checkbook.
4) Pay my cell phone bill. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) ) -->

Unbudgeted Expenses... Gotta Love 'Em.

July 13th, 2008 at 08:16 pm

-SPENDING-
Milk/McDonalds/Coke: $12.61 ($34.80/$100)
Razors/Throat-Meds: $10.74 ($168.70/$20)
Chapstick/Cat-Food/Pedialyte: $13.53 ($450.35/$325)
Gas For BF's Car: $15 ($249.52/$600.02)
Gas For My Truck: $65.83 ($315.35/$600.02)

+++++++++++++++++++++++++++++++++++++++++

BF found out today that he is supposed to be getting a paycheck on Wednesday. That will be awesome. We have bills to pay, but I've been unsure how much I could afford to pay now if BF wouldn't get paid this week.

Our pup is still sickly. He has diarrhea still, but no more vomiting. I will take that as a good sign I guess. We've been continuing with the chicken & rice diet, but we haven't seen any change in his stools yet. They are still kind of bloody, which is obviously not good. We're not going to take him back to the same general practice vet (since we had such a rude experience the first time), so if things get no better by tomorrow, I'm calling another one that looks promising for an appointment.

In the meantime, we got him some unflavored Pedialyte to replace the electrolytes he has lost with the diarrhea bouts, and some plain Chapstick for a raw spot on the top of his nose. I think he is rubbing his nose on his crate during the day while we're gone, although he's never done anything like that before. Tomorrow, he only has to be alone for about 3 1/2 hours, so hopefully he will do better.

I also read the side effects of the pain medication he has been on, and it lists bloody stool and vomiting. The emergency vet had us stop giving it to him, but now I'm not sure I'd want to start it back anyway.

I have noticed that he is going to the bathroom less frequently this evening, so maybe that is a sign that his system is giving his food time to digest before shooting it out. (Sorry for the visual picture there, lol.)

In other news, I got gas at two different stations on the way home today. I had to get it halfway down the interstate, but I had a feeling it might be cheaper in our town, so I only got $20 at $3.97. Sure enough when I got home, it was $3.89. Not too bad.

+++++++++++++++++++++++++++++++++++++++++

I have come to realize that there were quite a few omissions in our July Budget. First of all, I didn't budget anything for my work conference. It's a week long, and even though they will reimburse us for gas mileage, meals out, etc., I will still need to pay for it upfront. I am also going to have to get some clothes for the meetings & meals out, so that is unbudgeted spending.

And number two, I didn't budget anything for us when BF's sister's family visits. They are only hear for 2 1/2 days, but I know they will want to go out to eat. I really don't want to use all of our food budget on a fancy restaurant on one night. AND... if they want to go to the zoo or something, that will be costly as well. I guess at this point, all we can do is damage control. We will see how it all turns out at the end of the month, with our unexpected/unbudgeted expenses, and BF's unknown net pay, it may be a doozy. BUT, at least we're budgeting, trying to stick to it, and tracking. That is a big step forward for us. Forgot to add... WE FINALLY GOT A COUCH!!! YAY! Actually, we got a matching set of brown leather sofa & loveseat. I feel like we got a pretty good deal too, both for $1000 delivered. We stumbled on a place that was going out of business (they were right beside a Value City Furniture, go figure), and they cut the price down for us nicely. They even threw in four really nice throw pillows that match the leather on the couches. AND now I can mark that as one goal finished on my sidebar. We're thrilled. Smile [entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [38010] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => [categories] => Array ( [2625] => Array ( [category_id] => 2625 [category_name] => Budgeting [category_stub] => budgeting ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 38010 [entry_title] => New Brakes, New Router, New Clutch Switch? [entry_stub] => new-brakes-new-router-new-clutch-switch [entry_url] => https://sillyoleme.savingadvice.com/2008/04/18/new-brakes-new-router-new-clutch-switch_38010/ [entry_date] => 1208558830 [entry_date_mysql] => 2008-04-18 15:47:10 [entry_text] => Managed to get the truck to the shop this morning, and picked it up after work. $511.38 later, there is no grinding noise and the brakes are much better!

The mechanics said I needed new front brakes (period), and one new router. They managed to fix the other router, and cleaned/maintenanced my back brakes. I also told them about the issue of it not starting periodically, and they performed an electrical test. That guy said it was one of two things: either I need a completely new starter, or the neutral-safety switch for the clutch was going out. He said he thought it was the switch because when he wiggled the clutch, it started, but it could still be the starter.

Anyways, the $511.38 was the total for the brakes/router/labor/oil/tax today, and they had to order the switch for the clutch. He estimated that would be about $65 next week (but I'm not sure if that includes labor). I asked him how much a new starter would be, and he said with labor, somewhere between $300-$400 more. Whew! Let's pray it's not the starter, just the switch!!!

I do feel alot relieved, though. The brakes are new, the grinding is gone, and the oil is changed (next stop 119K miles). So hopefully when they replace the clutch switch next week, that will be the end of it for a good long while. *crosses fingers*

-----------------------------------------

Some random work news: I was taking out the trash before we closed the other night, and in my boss's office I saw a manilla folder with my name on it on her desk. I knew it wasn't my personnel file, because those are different looking, so I thought it must be MY manilla folder I had left in there earlier. I looked inside to see if she had marked anything else off my list, but then realized it wasn't mine. It was a manager's appraisal of my performance (monthly I guess), and with a quick glance, I saw that she had marked "Excellent" for my performance. Yay. Smile I assume that I will see that form officially at some point anyway, but it's nice to know she thinks I'm doing good right now.

-----------------------------------------

Eleven days till BF moves in. He's already cleaned his car out and washed it, so that he can pack his things in. Smile

-----------------------------------------

Puppy Update: Since I vacuumed/shampooed the carpet yesterday, he hasn't had any accidents. He didn't even get up last night and try to go. If we keep having problems at night though, I will wait until BF gets up here and then we'll crate him overnight. I don't want to do it now because he's my only company. Big Grin (Yes, I'm a chicken like that.)

-----------------------------------------

I need to figure out something to fix for dinner. I'm out of the ground turkey that I bought. I kind of feel like making some frozen veggies in the skillet, but then again I'd also like something with a bit more flavor. Hmmm, I dunno. One thing's for sure... I don't have much money left in the food budget for the month, so I can't go buy anything.

-----------------------------------------

Now that I've got the truck expenses taken care of (I hope), we need to start thinking about a budget for buying a couch. I have some extra from my signing bonus & tax refund, but I want to leave about $800 or so in there in case we need it before BF finds a job, or an emergency.

We want a brown leather couch, and we've decided that we'd like to go with a higher quality that will last us a while, rather than the cheapest just to get by. We have the cash for it, so I'd rather get something quality, but of course we can't break the bank either. Plus, we want to eventually have brown leather furniture as the cornerstone of our living room in our "real house". (That's what we call the house that we will someday OWN... instead of renting apartments)

Anybody know about how much a good, new, brown leather couch would cost? Anything we should know before shopping, any special kinds to look for? Any help would be appreciated! Big Grin [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37284] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2628,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) [2628] => Array ( [category_id] => 2628 [category_name] => Everyday Spending [category_stub] => everyday-spending ) ) [entry_id] => 37284 [entry_title] => My Enemy, Cheap Candy [entry_stub] => my-enemy-cheap-candy [entry_url] => https://sillyoleme.savingadvice.com/2008/04/01/my-enemy-cheap-candy_37284/ [entry_date] => 1207101631 [entry_date_mysql] => 2008-04-01 19:00:31 [entry_text] => Today's Spending:

Gas: $15
Boxes & Tape: $4
Candy: $1.75
McDonalds: $4

I've learned not to go into work hungry anymore. I thought I'd be okay with a drink, but just knowing that I had to work until we closed, and I was already starving, I ended up buying a bag of candy to tide me over until lunch. The good news is, I bought it at our store, so I got it at 5% over cost. At least it was cheap candy. Smile

Then I realized that with the stress of the last few days, I had completely forgotten about planning for lunch. So, I hit McDonalds. I'm not proud of it, but hey, all I can do is plan for tomorrow!

Other than that, nothing much going on. The dog is driving me nuts, and I need to clean my apartment, but I'm not in a hurry. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [37136] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2626,2627, [categories] => Array ( [2626] => Array ( [category_id] => 2626 [category_name] => Not Necessarily Financial [category_stub] => not-necessarily-financial ) [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 37136 [entry_title] => FreeCreditReport.Com Does Not Make Me Happy [entry_stub] => freecreditreportcom-does-not-make-me-hap [entry_url] => https://sillyoleme.savingadvice.com/2008/03/29/freecreditreportcom-does-not-make-me-hap_37136/ [entry_date] => 1206829669 [entry_date_mysql] => 2008-03-29 15:27:49 [entry_text] => I paid a stupid tax today. I had checked my credit score last week, and instead of paying the $5.95 for a one time score, I decided to enroll in the "7 day free trial" for free, and then cancel it before I had to pay. Why pay $5.95 when you can pay nothing, right?

Well, I can't really say what happened between the time that I made that decision and today when I checked my bank account, but perhaps it was all the excitement of BF coming to visit. Some how, some way, I started thinking the "trial period" was a MONTH instead of a WEEK. Needless to say, when I was logging into my new checking account today (the one that I haven't deposited money into because I'm having a heck of a time trying to get checks for it), I was VERY surprised to see that I had a NEGATIVE balance!!!

FreeCreditReport had charged 14.95 to my banking account, and then because I didn't have any deposited in there to cover it, I was charged a $35 overdraft fee. Hence the negative balance of $44.96.

At first I was ticked off because I thought I had been charged prematurely for the credit reporting, but then when I checked the site, I realized that it was only a WEEK free trial. So, it is my fault and my fault only.

So for this time, I will chalk it up to a VERY expensive credit score/report. If there is a positive to come from it, maybe it is that now I will be forced to make a stop at a local BBT branch and deposit some of the cash that BF gave me today. Maybe I will also get the checks situation straightened out.

And I did cancel the credit reporting membership effective today, so that is taken care of at least.

I have just started reading the Fly Lady website, and I am excited about starting that. Even though it really has nothing specifically to do with what happened to me today, it does focus on organization, and a "chaos" free life. Sounds good to me. I've got to get organized and stop costing myself money! [entry_active] => 1 [total_comments] => 8 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [36709] => Array ( [journal_id] => 3343 [journal_url] => sillyoleme [author_photo] => 1 [journal_name] => SillyOleMe's Personal Finance Blog [journal_author] => SillyOleMe [journal_author_email] => [category_ids] => ,2627, [categories] => Array ( [2627] => Array ( [category_id] => 2627 [category_name] => Set-Backs [category_stub] => set-backs ) ) [entry_id] => 36709 [entry_title] => Graduation Stuff... Bleh. [entry_stub] => graduation-stuff-bleh [entry_url] => https://sillyoleme.savingadvice.com/2008/03/16/graduation-stuff-bleh_36709/ [entry_date] => 1205707103 [entry_date_mysql] => 2008-03-16 15:38:23 [entry_text] => Okay, so I just realized that I hadn't ordered my graduation cap/gown or invitations yet. It's kind of weird to be graduating college in May, when I was officially done in December (but they only do the whole ceremony once a year, so hey). Anyway, I got online to see if I could order from there (because I'm two states away from the school I'll be graduating from), and luckily I was able to order everything from the bookstore there. It should be shipped to my parent's address (not sure how I would get a box here).

The bad news is that it was $195 on my FFB credit card. I would have used my checking account, but I have no debit card for it, and they couldn't do a check for online ordering. Since alot of people will send me graduation money when they get the announcements, maybe I will be able to recoup some of the money!

That reminds me of some more info that I wanted to add into the equation:

As far as bank accounts, I have a few.

"Hometown" Checking Acct: ~$2,800
BBT Joint Checking: $50
Roth IRA: ~$450

The Hometown account is in my home state, and as soon as the BBT account is officially open and I have checks for it, I will transfer all of my money from the Hometown account into the BBT account. I have stopped the automatic deposit into the Roth IRA for now, because my new job is deducting my 401K. I also have about $200 in cash right now, which I will use for expenses until my checking account money is transferred here.

In case anyone is wondering why I have a joint checking account, my boyfriend is also on it. He is moving to this state to join me in about a month and a half now, at which point we'll both be using the same account. (It's one of the only banks with branches in both states!) Right now, if I want to buy something, I have a choice between writing a check from my Hometown account (if the place accepts checks), or using my Discover Card or FFB Card. I do not have my State Farm credit card with me, or a debit card for the Hometown acct.

So I guess my goals for now are:
1) Check the status of BBT acct & order checks for it (hopefully using the money that's already deposited into the acct).
2) Finish my first project for my new job and submit it.
3) Balance my Hometown acct checkbook.
4) Pay my cell phone bill. [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) ) -->

Emergency Vet Visit = OUCH.

July 11th, 2008 at 08:19 pm

-SPENDING (7/10/08)-
Gas For BF's Car: $25 ($234.52/$600.02)
Milk/Flour (SF): $5.48 ($21.14/$100)
Candy @ BF's Work (SF): $1.05 ($22.19/$100)

-SPENDING (7/11/08)-
McDonalds: $2.29 ($24.48/$100)
My Health Ins: $56.76
Emergency Vet (DC): $232.29 ($378.25/$325)
Pup's Dry Food (SF): $40.01 ($418.26/$325)

+INCOME (7/10/08)+
Mom's Reimbursement: $130

+INCOME (7/11/08)+
My Paycheck: $1045.81

+++++++++++++++++++++++++++++++++++++++++

Well, you guessed it, we had to make a trip to the emergency vet tonight. Our pup hasn't been eating like normal the past few days, and he had vomited on Tuesday, had diarrhea on Wednesday. He has been known to eat anything he possibly can, so we just figured he would be fine after he got it out.

But when we got in from work today, the poor little guy had peed/pooped/vomited in his crate. He has NEVER done anything in his crate. I know he must have felt really sick to get to that point, and I just felt so sorry for him.

While BF started to clean up the mess, I took our little guy outside. He had diarrhea, no solids at all. We started to think of anything that could be wrong with him, from bloat (very dangerous in Great Danes), to Parvo (he had 2/3 of his puppy shots, but you never know), to just reacting to the change in his wet food. We have him on a super-premium dry food, but we have to mix it up a little with the wet food we mix in, or he gets bored and won't eat it.

Besides the vomiting and diarrhea, he was acting fine, trying to chase the cat and everything else. So we decided to wait it out and see if he was better by the morning. Right before I left to go get a new carpet cleaner (I told you we'd need one!)... the pup started gagging again, but there wasn't much left to come up this time. BF took him down to use the bathroom, and it looked like there was blood in his stool.

Needless to say, we felt like that was serious business. Two and a half hours later, we are back at home, and $232 poorer. They ran tests to rule out Parvo, and said it didn't look like bloat because he was still acting so well and didn't have tension in his stomach area.

The instructions now:

We have to take him off his pain medication (for his hip) for now, until his stomach settles down. They gave him an injection of "coating" for his stomach to protect the lining, and also an injection of some sort to stop the vomiting/diarrhea. We paid $10.50 for three cans of prescription "bland" food. We also have two bottles of pills that we have to feed him at different intervals, one of which is dissolved in water and fed with a syringe.

SO... that's where we are. The vet thought it was either the pain medication affecting the lining of his stomach, a chronic diarrhea that dogs sometimes get, or his system was just upset because he'd eaten something like rabbit poop. The rabbit poop might indeed be the culprit, because they are always running around in the backyard of our complex, and I've seen their little round terds laying around myself. Why he would want to eat that, the world will never know.

We are supposed to keep him on this strict "bland" diet for a while, meaning we either have to buy more of the cans, or we can make it ourselves by boiling skinless chicken and white rice. We are leaning towards the latter, both because it's cheaper, and because then we know that he is ONLY getting chicken & rice, no supplements or extras thrown in.

+++++++++++++++++++++++++++++++++++++++++

He is becoming one expensive little category this month. The cat hasn't cost us a dime - the pup has cost us alot of food money, a new HUGE crate, a new carpet shampooer, and now $232 (and counting) for the vomiting/diarrhea. The budgeting side of me is cringing.

But as I type this, he is laying on the ground right beside of me, in a deep sleep, on a fresh soft blue blanket. He's worth it. Smile

+++++++++++++++++++++++++++++++++++++++++

Not much else went on today, just people getting on my nerves at work. A girl started drinking my sweet tea today, fully aware that it was mine, fully aware that I was standing right behind her. Very strange, I think.

I REALLY wish someone would email me about pet/house sitting or babysitting. I could really use the extra money, to pay off the charges we've put on the Discover Card this month, and keep our budget even! Frown

But it's a challenge, and I like challenges. We will just have to cut more from our spending on our food and try to save as much as possible. It's bound to get better.