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I know I haven't posted in a while. I just have been busy. After going back and forth decided to stay with my parents the rest of the year of 2010.
The family dog died on Thursday, June 10th 2010 I didn't find out till I came home after work on Thursday. She was 13 years old. I had grew up with her and she was a good dog. I love and miss her very much.
I am trying to get another Customer Service job with another transportation company. It sounds like the perfect match, I hope they think so too.
I moved back home to my parents last July 2009 because of a bad breakup...I was originally supposed to move in March but decided to move in July 2010...am I just accustomed to have extra money (I still pay rent every week) or just afraid to be out on my own again?
Hmmm I have changed the date from April, May June and now July...
I think an second at home job may help...I decided to stay at UPS CSC unless somethiing better comes along...I don't know...Hmmm...
Wasting food...even if your stuffed...but what I really don't like is if you go to a special event dinner & they throw out your food and don't have to go boxes...I asked them if I could save it and they said that they had nothing to put it in...it was a slice of roast, some sort of chicken, the spinach salad was awesome, but anyway just my vent...I have dogs & I like to eat leftovers..I just don't like wasting...I also wonder what they did with the rest of the food leftover from the event unless they let their employees take it from the catering company. But when they put all the food away I noticed they let this HUGE roast dry out...Hmmmm....
Every night before bed my daughter and I share a bag of chicken ramen...I love it...we eat it with Saltine crackers and Tapatio hot sauce (yes she eats hot sauce too and she is 6)...plus it helps me sleep well
Although I have been with the company for 3.5 years and I am in a good position and make good money...the stress this year with them has doubled. #1 My ex works there but in a different dept. #2 They have threatened to close our Corporate office and they have not renewed the lease for our building. #3 I am on a write-up for not passing over 75% of my calls in a month...we all have bad months but I need stability...they have also let go some people who have been there years and people have quit.
So I signed up for HotJobs.com Monster.com CareerBuilder.com . Refreshed my resume and applied for many jobs today and one yesterday.
I am keeping my job till I can find another one...I have 30+ days depending on how much months go and if I am over 75% every month on passing calls...
$100 is for a Health Assessment for my Health Insurance UHC
$100 Rebate for Renewing my 2 year Contract with AT&T...I at first was going to go online to get a new phone but I ended up going to the AT&T store at the suggestion of my mom and ended up saving 20% a month on my service and getting my rebate, plus they matched the price on the website
I am going to save the GC for Emergencies.
Today I also bought a dining set & living room set for $50 at an Estate sale for my new apt!
McDonalds any size soda $1
Subway Footlong any $5
Walmart Vision Complete Pair of Glasses $38
I LOVE Subway!!! I really need glasses and to get a new eye exam (not included) so this deal came perfect timing.
$5385 is what I am getting
$646 - State Tax
$185 - Visa
$597 - MC
$300 - Parents
$2000 - Car
Which will go towards getting my Apartment. I will make sure I have some leftover for Savings.
I have two keys missing from my Dell laptop, and H key and a symbol key..so I give my mom my laptop to take to a PC shop that is in her Chamber member(she works for Chamber of Commerce) and they have the nerve to want to charge me $50! I said HECK NO...I can get either the keys online or a new keyboard for less than $10!! I almost different but I was thinking does this guy think I am stupid? So I am going to fix it myself.
Instead of wasting my Gift Cards on junk I bought the items I would need on my Target and Walmart Gift Cards...$35 for the Pink Vacuum and I had been eying it for weeks! My favorite purchase was almost sold out! Bought it at Walmart.
Target I bought the dinnerware set 30% off $20, silverware $8.99 and cookware $18.99 all from a $50 Gift Card. Owed only $2.31.
I am loyal to ATT cell phone service. My parents want to add me to their family plan and only pay $10 a month for doing so but I love my ATT! I don't mind paying the extra $90 a month plus I get to have my independence from my parents...my contract is up with ATT and I can upgrade and do a new 2 year with a new phone or a rebated payment back to myself. My cell now has water damage but still works, I paid about $50 extra to get it working properly again...its a Blackberry Pearl 8810...I want a new phone but my pets shots are more important! So I am just going to wing it I guess till I decide what to do...
This year I decided to get everyone big gifts this year since I can since I am living at home. I have been buying one gift a week since I get paid every week.
Daughter - DS Lite $129 *Bought
Parents - Guitar Hero Beatles (splitting cost with siblings) $67.00-$100 *Buying Dec 12th
Brother - Laptop (buying from parents) $200 *buying Dec 19th
Sister - Sony Cybershot $119 *Buying Saturday Dec 5th
Daddy - Care Package $? (after Christmas)
I REALLY also want to get everyone Gift Cards since I LOVE Gift Cards (giving and receiving them) but I may not if I cannot afford to.
The ONLY thing I want for Christmas is my dog I got from my hairstylist friend...my parents let me take my cat and she sleeps in the basement with us but my ex took our dog even though the dog claimed me and the cat claimed my ex. I also had another bad situation where when I was first married and lived in Mexico I had to leave my dog there also...so its VERY sentimental I get this dog ...My parents already have two dogs and three cats of their own...but they let me bring my cat and I take care of her here in my basement...my mom also loves that I love taking care of their dogs...the reason why is my dad thinks they already have too many animals here LOL..which is understandable LOL but it would be in the basement with me till I move out like my cat. So please HOPE I get the dog for Christmas!
Work was slow so I left to go home early because they didn't need me and they gave me the option...well for a couple of weeks I worked only 20 hours and now I am so far behind in my bills and I owe so many people money I don't know what to do! I screwed up so bad. I don't want to ask anyone for the money because my mom will hold it over my head...I keep getting overdraft fees but luckily I am with a Credit Union and only get overdraft fees when something cannot be paid. Its almost Friday and I get paid weekly but because the overdraft my check will be less. I have started to work 40 hours again. Tell me what to do! I have Canceled things that I really do not need. I am worried about my Credit Cards. I tried to make a payment one week and got a return charge because there was no money to pay it. PLEASE HELP ME!! I am so desperate. I know this is a bad way to come back since I haven't posted since July 2008. But I need help!!!
I have to take some money out of my Savings to purchase a new Laptop. My Toshiba is working really bad! I already had to change the cord on it. The pin is possibly broken now and now I am getting a new Laptop and do not want to have to make payments. I just barely got my Savings at over $1,000. Plus I had to use my Las Vegas money for birthdays. UGH, I do have a Plan though.
Last year Office Depot online had $5 TV's and I am trying to see when they will have them again, if anyone else has them, let me know! I already emailed Office Depot and they were not very helpful.
What did I do with it? ($600)
$149 - well my birthday is this month (MAY) so I bought myself a Flip Video Ultra. Its also PINK (my favorite color) for myself for my birthday. (I Paid extra for the difference left)
I think I spread my Stimulus Check the right way...I put it is all places...Saved, Paid and Bought...
There was a problem though, my daughter's check was not deposited though? So I am thinking it might either come next Friday under her SSN# or I am going to have to call the IRS.
I am sorry, but I have been trying to avoid these like the plague until I can find a financial solution to pay all of them at once. Well, I feel overwhelmed with all these statements and decided to pay all of the ones I can right now (under $100) and then work on the bigger ones.
I should be getting my last two disability checks soon. Rent is due tomorrow. We are getting a reimbursement check back from My Insurance Company from the asteigeologist (sp??) for $150, and I am also putting in $700 (from those two checks from being out on Disability) to cover Rent.
Then I can get back to getting things good on my own account.
I have two...my balances are awful on both. I have not used them and I am still waiting for my Checks for my Short Term Disability. I need to pay them both off. I should be getting a Check this week.
I will be going back to work next week sigh.
Plan to Pay $50 on both every week, if not more.
My newer CC has more fees because it is unsecured, horrible fees but I want to make the most of it.
Feel like you have to BUY Everything? That is how I feel right now. I cannot help it. At least bills are getting paid right?
Starting today. Made sure I got ALL my information in and I am meeting with the Surgen today about when we will be doing my Hernia Surgery. I am going to make sure I stay on top of my paperwork and such so I can get Paid while I am out. I just have a bunch of bills due .
Right now the majority of my money is going to my account with my SO. So I am just going to start small with my Investing, Saving etc...
$10 week towards Bad Debt
$20 a week towards my Savings
Invest in Sharebuilder
401K at Work
Y'all remember The Secret? Yes Money comes to me easily and frequently.
I was finally able to Login to my Online Bank account today and I am not doing too bad...I have no money till next Friday but I have pocket money and the money that my Partner and I have together is going to hold us together for another week. We work at the same place and get paid weekly. We have "Together" Money (i.e. Bills, Food etc...) Then we have our Separate Money...I LOVE how we have it set up.
My Car Insurance took. WHEW! They would have billed me DOUBLE for next month and THANKFULLY they took it this month. No need to explain, just at the time didn't have it when it was due.
Did not get Promoted like I said...but will be starting my Disability next week. Going to get Prepared for that.
Thinking about My Business...I am going to get things going on it. My Goal is to make enough to stay home. Looking into Free Promotion and Advertising and some cheap Advertising as well.
TGIF tomorrow! SIGH.
I am SOOOO BROKE! I just got back from a week Vacation from work (Paid) and I will not get another Paycheck till next week. (Usually I get Paid Weekly) Again I got slammed to get another Promotion...not too disappointed at least it gets me time to go on Disability and get My Surgery for my Hernia taken care of.
Bills coming up:
Rent/Expenses (Split) - $350 a week
Expenses on my Own:
Car Insurance: $120 (I believe, hopefully I am off a bit but I doubt it)
YTB Business expense $50
Vonage Business Expense $30
National City Visa CC $50
C. Finance Mastercard $50
UGH I do not like Bills. Need to earn extra money somehow. Pouting. Although I need to get better Financially on my own.
And Shopped through ONLY CLEARANCE Section at the Mall. I stopped at American Eagle and got two shirts for $6.95 a piece from $19.50 and the other was over $20 something dollars. I also went to the Victoria's Secret Store and printed off my $10 Off VS PINK Line and got myself a "I LOVE PINK" Shirt because Pink is my favorite color.
I am waiting on my Unsecured Credit Card and My FREE Laptop that I started back in November of 2006. I will later be getting $130 and a $1,000 Gift Card for free too. I love FREE.
I will be going out on Short Term Disability in September to take care of my Hernia and some other personal medical problems I may have. I feel fortunate at the Job I think sucks has many great benefits such as Short Term Disability for Medical reasons such as this.
FOR AN UNSECURED CREDIT CARD! It has been SO LONG since I had even THOUGHT of having an Unsecured Credit Card. The Fees are high and so is the interest but it is so worth it to Me! My Limit is only $300 like my Secured Card but they do regular monthly reporting to the Credit Bureaus and Semi-Annual Credit
Limit Increases etc...and I know to becareful as I am working towards fixing my Credit and Debt...as why I am on this site but you have no idea how good it feels to be Approved for a UNSECURED Credit Card!
I had paid too much on my CC this month! UGH so frustrated. I know it may sound like a good thing but I just really wanted my balance to go away and I forgot that I had 2 different payments coming out this month that I had to pay...I only remembered the one...ugh I will be in the red. I had contacted my Car Insurance to see if they could hold off a couple of days and of course they said that they couldn't. I am just so P'OD at myself. >
Well I spoke with a Credit Counselor this morning and I never felt so much relief before! I hadn't even done anything yet. I am still looking into the Consumer Credit Counseling before I decide who I will go with. But honestly, I really liked the Customer Service Counselor I had spoke with and I may go with her. I know their fee maybe higher but I just really appreciate good customer service and I maybe able to get going on this within the next month, I am so excited!
I am not sure if I had admitted this before but I have high outstanding debt and I am ashamed of it because I am not as irresponsible as it would seem. We all go through a rough time in our life and that was a rough time for me. Bankruptcy is out of the question, although I had many tell me it is the best way out. But really its not. I owe all those people money with tons of interest on these old Credits and Bills, I have to pay them. That was my mistake.
I was doing some research online about and I came across this article Debt Consolidation and I guess there are various types of ways to do debt consolidation and one of them are Debt Consolidation Loans, which is ironic because I am not even sure if half the population would even qualify for any type of "Loan" regarding outstanding debt and when I think of Debt Consolidation, I think of "Consolidating" Debt into a small monthly payment.
Doing further research I know I can contact each individual company to see about reducing amounts and interest owed - but honestly, knowing that is an option, its still an option I cannot afford. Reading the Article on Self-Debt Reduction, I know that is not an option for me.
I also understand the Government does assist with Consumer Debt Counseling so I can avoid any type of Fraud by illegitimate companies trying to take advantage of my mistake.
Still doing more research, I think I may see what the Government has for Debt Consolidation.
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