Archive results for “February 2011f 2011”
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We scheduled a deposition.
Cancelled.
We reschedule the deposition.
Cancelled again.
We reschedule the rescheduled deposition.
Cancelled.
We reschedule the rescheduled rescheduled deposition.
Cancelled. Cancelled. Cancelled. And, cancelled an hour before.
Yup. We’re STILL fighting our legal battle. Because we’re still in litigation, I can’t say much other than, mediation this week did not go well… at all. The plaintiff walked out at our offer.
Looks like this is going to turn into a jury trial.
Looks like our attorney’s fees are going to continue going cha-ching, cha-ching, cha-ching.
They say California is a ‘sue happy’ state. People sue for just about anything and yes, it’s 100% true. As eternal defendant, I can tell you, this is getting very old… and VERY expensive.
My husband in clueless.
Sure, he’s a brilliant guy. He’s finishing his business degree where he specializes in management and finance yet…
He’s clueless about the nuts and bolts of our finances.
He participates in our ‘Family Finance’ meetings and he contributes ideas as to what our next steps should be but when it comes to the actual account numbers or even knowing where our accounts are, he has absolutely no idea.
This may come as a surprise (ha ha) but I LOVE managing our finances. I love obsessing about the tidiness of our bills. Ask, and I can probably quote any account number and any balance from memory. Heck, I can tell you the names of every teller at our bank and what ‘specials’ they are running this month.
Thanks to the time obligations required by school, my husband can’t possibly know everything about every account. Plus, he doesn’t really care anyway. That’s not his thing – and I’m OK with that. A big problem presents itself about this set up – if I should pass away unexpectedly, how would he manage?
Judging by the fact that he said, ‘Our second mortgage isn’t with B of A?’ last night, I’m guessing he’d struggle.
Dave Ramsey suggests we all assemble Legacy Drawers. Drawers that contain all the pertinent information including our wills, health insurance information, auto insurance information, etc. Yes, it’s a bit morbid, but we’re all going to die someday.
Help out your spouse (or ask your spouse to help YOU out) and create a Legacy Drawer.
Go to Dave Ramsey’s Legacy Drawer page for help on what to gather. Do it now!
I fully enjoyed sleeping in, eating a leisurely breakfast in front of the TV, and practicing my yoga routine on Monday morning. I met my husband at a local sandwich shop for lunch and slowly made my way back home for a relaxing afternoon. Ten minutes into watching Maury’s ‘My husband is cheating on me with my best friend’, I decided midday cable television wasn’t for me. I fired up my computer… and that’s when the trouble started.
OK, OK, honest truth? The REAL trouble started 15 weeks ago when I discovered our impending parenthood. I looked at my car, previously seen as perfectly reliable and safe, and decided it was a traveling death trap and I needed a new ginormous SUV ASAP. Before you say it, let me say it for you… ‘That’s a Californian for you.’
I shared my terror and newly discovered hatred for my car with my husband and he sweetly said, ‘Sure hon. You are more than welcome to get a USED car… as soon as you come up with fifteen grand cash.’
He’s a friggin’ laugh a minute.
Back to President’s Day, I clicked on the internet to surf some of the debt blogs I like to read and my home page pop up said, ‘CAR SALE – CAR SALE – CAR SALE!!!’ and of course, the photo was of my shiny new dream car. I began to think, ‘It won’t hurt to just test drive it. Test driving never hurt a soul’ followed by, ‘I wouldn’t have to finance much’ and ‘My raise will cover it’ completely ignoring the fact that future daycare expenses will more than eat through my raise AND my husband’s raise.
I put on my shoes and practically vaulted out the door in my excitement to get a new car when I received the following text from my husband, ‘Just wanted to let you know how much I love you and I’m so proud of how we handle our finances.’
I glanced up at the security cameras on the front of the house and froze, wondering if he was somehow watching me then remembered I had paid out of our budgeted cash for lunch and he had made a comment about how great it was to not use the debit card.
Daaaaaaaang it!!! Guilt ALWAYS works.
I went back inside to finish watching Maury and polished off an entire cantaloupe in the process. I had the rest of the afternoon to assure myself that my car is fine… it’s my patience that needs the work.
Over the weekend, my brother celebrated his 40th birthday by throwing a party in a suite at the Hard Rock Hotel in downtown San Diego. Between our family and his friends, the place was packed. The music was awesome, the food was delicious, and it should have been a good night. Should.
My sister and I sat on the edge of the Jacuzzi tub chatting away while enjoying the skyline views across downtown. I’m not sure how it happened, but the subject of Bank of America was brought up. My sister recently financed a car through them and of course, I ‘kindly’ told her she was an idiot to finance through them. I ‘may’ have also said I’d rather die than owe “those life sucking *%@&#%’s an ounce of my future earnings.”
My sister, who knows about my 18 month long fight with B of A, smiled an evil smile and egged me on. “Why don’t you stop paying them?”
“And further my relationship with the devil?!?! I’m not going to sink as low as those scum suckers!” I raged on.
She grinned, knowing I’d explode into a 30 minute ‘show’.
In the middle of my tirade, I happened to notice someone taking an interest in my ‘I hate B of A’ speech. Rather than shut my mouth, I ranted for a few minutes longer to my sister and we moved on to more interesting topics like gastritis, carrot cake, and cancer.
My sister excused herself to use the restroom and the person who was showing an odd interest in my tirade came up to me and said, ‘Hi, my name is Wade. That’s my wife Karen. I’ve known James for 20 years. And I work for Bank of America… in the mortgage division.’
I responded, ‘Hi, my name is Rebekah. That’s my husband Chris. James is my brother. And I enjoy putting my foot in my mouth.’
Wade is a laid back guy, but it’s a little hard to rebound from my claim that all B of A employees are ‘horrific scum suckers.’ He tried to explain that B of A is doing the best they can do and losing client forms is a common occurrence. He encouraged me to keep trying and wished me a good night.
Losing forms is common? Keep trying?
So. Sorry to my brother. Sorry to Wade – a non-scum sucker.
But I still hate Bank of America.
Every weekday I wake up, shower, dress, pour a big glass of OJ (if we have money for it in the grocery budget), drive to work, and power up my computer long before the sun comes up. Our company graciously allows us to choose our own work hours and since more folks choose later hours, I get a lot more done in the quiet of the morning. After a while, you forget what it’s like to drive in the daylight.
This morning? I will be seeing…
The back of my eyelids.
To those of you who have the day off, enjoy it. To those who don’t… um… I’m sorry.
I know I promised not to bring up the ‘baby thing’ often as this is a debt blog, not a baby blog, but my grandmother made a special request for some pictures. In fear that grandma will withhold her world famous green salad on Sunday, I have decided to comply.
Why does grandma need photos when she sees me in person on Sundays? Because she said so.
Ready for the most amazing 16 week transformation?!?
Week 4
Week 16
Yeah. I can’t tell the difference either.
I love you grams!
We’ve been trying to sell some of our older duplicative furniture on Craigslist after the big furniture tradeoff in December. Annoyed that the furniture was filling his garage, my husband asked me to price our old queen sized bed and nightstand at $50 to make room.
After a week on Craigslist at $50, we were contacted by precisely 1 interested person… who asked us to drop the price to $25 without even seeing the bed.
When my husband found out we had received an offer, he was angry I had turned it down. Confused, I went out to the garage and appraised the bed again. Was it really only worth $25?
Unwilling to admit defeat, I placed the set on Craigslist again with the exact same description and photos but priced it at $130.
2 hours and 11 offers later, a local college student bought the set for $130.
Lesson learned: Equally as important as not pricing yourself over the market is not pricing yourself UNDER the market.
Plus, it felt REALLY good to flash $130 cash to my husband.
About This Site
My Debt
- Original Debt: $38,495.86
- Added Debt: $1,781.50
- Total Debt: $40,277.36
- Paid: $36,084.36
- Remaining: $4,193.00
- Broken Down
- Auto Loan 1: $0.00
- Credit Card: $0.00
- Student Loan: $4,193.00
- Auto Loan 2: $0.00
- Vet Loan: $0.00
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