Archive results for “January 2012f 2012”
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I’ve said it before. I don’t Groupon.
It’s not that I don’t like what they do…
It’s that I LOVE everything and want to buy it all. My self-control in online shopping leaves a lot to be desired – especially after the arrival of our kidlet.
I thought I was safe. I don’t subscribe.
But my husband does.
Recently, he started forwarding e-mails about once a week for items we simply can’t live without. I find myself pulled in, willing to not eat for 3 days so we can buy the latest canvas print enlargement or child sized fuzzy hat.
Sigh.
I love him. He’s the most thoughtful, sweet person I know. But I finally had to beg him to stop being so darn thoughtful… and stop sending the e-mails… at least until February.
Well…
Nothing.
I was promised my salary would be adjusted by the end of the year but here we are three weeks into January and I haven’t seen anything.
Sure, it’d be no big deal if I hadn’t already started the work, but I have. I thought I knew better to agree to higher work responsibility without compensation, but I fell for the line, ‘We promise a new salary later.’
‘Later’ never came.
I’ve addressed the issue with the powers that be, and all I keep hearing is ‘soon’.
Somehow I went from having all the cards to having none.
I don’t buy chips. Heck, I don’t buy junk food in general.
Sure, it’s not good for you, but it’s also expensive. That $4 spent on chips could be spent on chicken or veggies.
But…
I went grocery shopping hungry (MISTAKE) and as I was buying a box of wheat crackers, I heard a bag of Lays potato chips calling my name from across the aisle. I tried to stare them down, tell them how evil they were, but the bag said, ‘I’m extra salty and crunchy. Just the way you like it!’
I moved on. Shopped a few more aisles.
But that stupid bag of potato chips wouldn’t shut up.
Sooo… I bought them…with some creamy ranch dipping sauce.
Total cost of the chips and dip? $8. Geez!
I haven’t splurged and chips and dip for… um…
I can’t remember the last time.
So, I hid them behind the Costco sized bag of Quinoa in the pantry – because hubby hates Quinoa and won’t touch the bag. Sure, I’d like to say it was because I was embarrassed that I wasted $8 but let’s face it, it’s because I didn’t want to share.
It was a heavenly week. I’d sneak a few chips here and there while hubby was cleaning the garage or playing with the baby.
Sure, I felt guilty, but man oh man was it worth it.
Last night, hubby caught me. I expected him to chastise me for wasting grocery money or for hiding them. Instead, he dove into the bag with both hands and we polished off the whole thing.
Yeah.
I wasted 8 bucks.
But sometimes, that’s OK.
If you’ll excuse me, I’m off to do 900 sit ups. My budget is a little more forgiving than my body.
Things have been going nicely finance wise. Paying debt. Chugging along at a good pace. Then Friday the 13th hit.
No. I’m not superstitious.
Or…
I should say, I wasn’t superstitious.
That was before the furnace and garage door broke. The only two things my husband can’t fix himself. Cha-Ching!
Sigh.
We’re still looking good for a February payoff, but it will be a while before we can save our full emergency fund. I guess hubby will have to wait another few months before I can spring to replace that Charger oven mitt.
I went for my dental cleaning this afternoon. Since missing these appointments can be super expensive later *cough* like a root canal *cough*, I always make time.
I was due for my annual x-rays and the tech person was prepping my mouth for the slides. She put the x-ray cards in my mouth, moved the machine near my face, and on her way to snap the photo, she tripped over the cord…
attached to my mouth.
The cord yanked my face into the machine and, well…
let’s just say there was a lot of blood for a queasy person like myself to handle. The fact that it was MY blood only worsened the situation.
‘Oh my…. Oh my…Oh God’ she said while staring at me wide eyed.
The instant shock from the pain brought a rush of tears to my eyes. She ran for some towels and I held them against my head to stop the blood.
‘Here, let me get you a mirror’ she said, running to the drawer.
‘Nope. Don’t think a mirror is a good call right now’ I said, wiping my head and my tears.
‘Right…’
Pause
‘Heeeeeeeeeeelp!!!!!!’ she screamed into the hallway.
The room flooded with dental folks. All of them taking turns holding the towel on my head.
My dentist sat rubbing my arm, ‘Is there anything we can do? Anything you need? Do you need an ambulance? Oh geez. I’m so sorry!’
I’ve been sued over an injury (not my fault). I know the sick feeling you have when someone gets hurt – especially in sue happy California. Because of that, you’d pretty much have to lop off a limb to get me to sue you.
‘I’m fine’ I said, still wiping the tears that couldn’t seem to stop.
‘I’m so so so so so so so sorry’ she said.
After the bleeding slowed, she cleaned my teeth – but only after I begged her. She thought the cleaning and a banged head might be too much for one day.
Obviously the bill for her services was waived.
And I got a killer bag full of dental goodies.
Guess who won’t be buying toothpaste for the next century?
Yeah. Almost worth getting my head smacked into an x-ray machine….
or not. Yeeeeeouch!
Did you recently have a child? Get a divorce? Get married?
If so, it’s time to change that beneficiary on your life insurance policy.
Your life changes a lot. Make sure to update your life insurance policy (and your will).
Don’t be like us. Baby boy was born 6 months ago and we haven’t updated either one. Oops! But we are updating them today!
Get to it!
My cable company sent me a letter last week. They have a new way for you to monitor your usage. Before I tossed it in the shredder, thinking ‘Why should I care how much I use the internet?’, I noticed the bold print at the bottom that said, ‘Why should you care?’
Gotta give them credit for reading my mind.
Turns out, you should take a look at your internet usage. Some cable companies are introducing limits AND extremely high usage could be a sign of unauthorized usage on your system. Uh Oh! So, being a natural optimist (Haaaaa ha ha ha ha), I ran to my computer, immediately assuming my usage would be high because some wacko had hacked in. A few seconds later, the usage popped up.
2 gigs.
No, not 2 gigs a day or 2 gigs in a week. I’ve used 2 gigs this month. And I’m pretty sure both those gigs are from downloading finance podcasts from iTunes. So much for my hacker. But it’s good to check every once in a while and remember to make sure my firewall is protecting me.
Naturally, I became fascinated with other utilities that let me live out my OCD *er* I mean, ‘monitor my usage to save money’.
Our water company offers ways for you to see how you compare to the average user. Their software allows me to monitor my water usage hour by hour so I can tell if I have a water guzzling washer or if my slab is leaking and I don’t know it.
My electric company uses ‘Smart Meters’ so I can monitor by the minute if I choose. They will also help you figure out where your energy drains are coming from. Old TVs? Energy sucking light bulbs?
OK, so maybe this new found power won’t help free up any time, but it will help cut down my utilities by zeroing in on where the biggest power/water/internet abusers are. And for all the sweet hubby’s out there, maybe you can convince your wife that the old tv is sucking all the power and you could save money if you bought a fancy flat screen.
Or not.
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About This Site
My Debt
- Original Debt: $97,293.06
- Paid: $1,927.89
- Remaining: $95,365.17
- Emergency Fund: $1100
- Broken Down
- Line of Credit 2: $0.00
- Line of Credit 1: $0.00
- Credit Card 1: $0.00
- Credit Card 2: $245.00
- Credit Card 3: $405.00
- Credit Card 6: $1,785.00
- Credit Card 7: $2,381.17
- Consolidation Loan: $11,000.00
- Credit Card 10: $14,519.00
- Auto Loan 1: $16,093.00
- Credit Card 11: $23,873.00
- Auto Loan 2: $25,064.00
Finance Blogging Buddies
- Beachgirl’s Budget Blog
- Becoming and Staying Debt Free
- Boston Gals Open Wallet
- Debt Free Hispanic
- Debt Kid
- Debt Reduction 101
- Dual Income No Kids
- Everybody Loves Your Money
- Financial Hack
- Free Money Finance
- From the Brink of Bankruptcy
- Generation X Finance
- GRACEful Retirement
- Grad Money Matters
- It’s Your Money
- Josephsangl.com
- Kick Debt’s Butt
- Lazy Man and Money
- Low Income Life
- Make Love Not Debt
- Mapgirl’s Fiscal Challenge
- Mighty Bargain Hunter
- Money, Matter and More Musings
- My 1st Million at 33
- No Credit Needed
- One Million and Beyond
- Personal Finance Advice
- pfblogs.org
