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Bad Money Decision Confession Time #2

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That was fun and it felt good to get a bad money decision off my chest a few days ago. Why not do it a few more times? πŸ˜‰

Bad Money Decision #2

Two words…I smoke. Not only is it unhealthy for my finances – it is unhealthy period. I started smoking when I was fourteen, a young girl looking for a way to rebel. I found it in smoking, but now I can hear my lungs rattle when I breathe and I have a cough that lingers.

I want to quit so bad. Gosh knows I’ve tried. But the addiction is so strong and my stress level – well, my crutch for handling stressful times are my smokes. I joke because some of the best ideas that I have had have come to me while standing outside smoking. I guess you can call them my killer thinkin’ sticks.

I don’t like spending so much for a pack of cigarettes. I think it costs over $5.00 a pack now. If you noticed – I said “I think”. That’s because I found a way to be a frugal smoker. I’ve been rolling my own cigarettes since 2003. Instead of spending over $150/month I am only spending around $30/month.

Boy, I just re-read the above and it sounds like I am just full of excuses. Any habit, whether good or bad, is so darn hard to break.

Technorati Tags: smoking, quit+smoking, money

Scams – They Keep Getting Better and Better

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If you have email, you’ve probably received at least one of the “Nigeria” scam variations. My latest one actually uses my last name and claims I have a relative who died. Check it out:

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Dear (used my last name),

I am highly delighted to be in contact with you and sorry for the embarrassment this mail might be to you as we have not met or known each other before.

My name is Mr. Daniel O***. I was a good friend to Late Mr. Roy J. (my last name), a national of your country, who until his death has no wife nor son or daughter to claim his assets hence he was buried here.

He was a contractor and spent most of his life in my country Nigeria. Mr. Roy J. (my last name) was involved in a car accident along Benin/Onitsha express road and unfortunately lost his life on the 27th day of September 2004 at Onitsha. Since then I have made several inquiries through your country embassy to locate any of my friends extended relatives, this has proved unsuccessful hence he did not leave a trace of his relatives abroad.

After these several unsuccessful attempts, I decided to contact you since all my effort to trace or locate any member of his family failed me, so that you as a foreigner will assist me as my late friend next-of-kin in claiming the Capital valued of US $7.5 million left behind by my friend before it gets confiscated by the Finance Company where these huge deposits was lodged.

The said Finance Company in Nigeria has issued me a notice to provide the next of Kin or have the Fund confiscated. Since I have been unsuccessful In locating any of my friend’s relatives for over Seven Months now, I seek your consent to present you as the Next-of-kin of the deceased since you have the same last name with my late friend, so that the proceeds of this US $7.5 million can be paid to you and we will share it on any agreed percentage ratio.

Therefore, on receipt of your positive respond, we shall then discuss the sharing ratio and modalities for claim. I have all the necessary information needed to back you up the claim. All I require from you is your honest cooperation to enable us see this transaction through.

I guarantee that this will be executed under a legitimate arrangement that will protect you and me from any breach of the law.

Please send me your word immediately so that I can give you further information about this matter, and also provide a telephone number where Ican call to talk with you.

Best regards,

Mr. Daniel O***.
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If I had the time or the courage, it could be fun to see this through a little bit. But, I am shy so I won’t do it. But, someone has and you can read about her adventures with scammers here:

http://www.bustedupcowgirl.com/scampage.html

It’s a great read πŸ˜‰

Technorati Tag: scam

Here it Goes – Here’s How Much I Make

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UPDATE: 6/24/06
Projected 2006 – $45,000

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I was reading some blogs and I came across Madame X’s topic about why she believes in revealing her income.

I have to add that I think it is a great what she is doing. At the same time, I can see why other pf bloggers are hesitant so reveal such personal information.

I have eluded to what my family’s income is in a comment I have made within my blog – but I am inspired by her to just put it out there. Why not? It will give you a better picture on my financial position.

Ready?

Projected 2006 – 40,000
2005 – 26,000
2004 – 28,400
2003 – 27,400
2002 – 23,700

I have to say projected because who knows what the future holds. I have worked some overtime lately so it could be higher. Or, I could be laid off tomorrow. But, at this given moment – that is what we are making (both my husband and I work).

So, when I say my mortgage is $337.00 – you can see it isn’t too bad with what we make. We’ve never really considered ourselves poor and we make do with what we have. Now – we both say that we would be rich once our debt is paid off because we would have so much extra a month for other things (about $1300/month). πŸ™‚

It also should be noted that I don’t live in a big city and I live in a fairly rural area. So my cost of living isn’t as high.

So, there is is. I feel a bit naked – so I better get some more clothes on πŸ˜›

Technorati Tag: income

Paperless Filing – Here I Come!

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If you print many things out from your computer so you will have it for later, here’s an idea for you – print it to .pdf!! That way, it can be filed on your computer and easily opened later for you to look at. At the end of the year, save all the files to a CD or DVD and file in your safe deposit box.

To get a free .pdf printer for your PC (as seen in Computer Shopper magazine), go to this link http://www.cutepdf.com/ and look for the CutePDF Writer Freeware.

I have downloaded this “printer” for my PC and I LOVE it!! It is helping keep my desk clean, which is always good πŸ™‚

Technorati Tags: filing, printer

Even Good Habits are Hard to Break

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I was relaxing, watching TV when this weight hit me smack dab in the chest. Blood started rushing to my face and I could feel my cheeks turning red.

Then it went away. I breathed a sigh of relief.

I realized…I didn’t have to pay Credit Card #5 this month.

I’ve had that card since 1998, and every month usually between the 4th and the 8th of the month my payment is due. That is, until this month. I did a large balance transfer which counted as my payment and the card is now basically paid off.

I have to wonder how many months it will take until I no longer feel the internal clock inside of me going off because my payment might be late. Even though the feelings of perhaps missing my payment aren’t very nice, I can live with it if it means I can breath that huge sigh of relief afterwards. πŸ™‚

Technorati Tag: credit+card

No, No, No – I’m not Going to Sell This Stuff

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It’s hard to believe, but it has been years since my friend passed away. I still think about him daily, and I still wonder why he had to take his own life.

I would like to share with everyone something about my friend that I have carried with me through my life. It’s funny how a little comment can have such an effect on you. Here’s the brief story.

While at my friend’s house, he let slip out that he has tons of things in the attic that the previous owner had left. Being the treasure finder that I am (you should see me at garage sales – LOL), I wanted him to show me. We went in the attic and my mouth dropped. It was a goldmine in terms of antiques. There were records, old store items, just lots of old everything.

I said, “Wow, you can get so much money for this stuff when you sell it.”

He quickly replied, “No, no, no. I’m not going to sell this stuff. All of it needs to go into a museum or something for everyone to see.”

I didn’t reply, and sort of changed the subject. Here he had probably a few thousand dollars worth of antique items sitting in his attic (I’m guessing here – but he could have made a bit of money) and he wanted to see a museum get the items. I think that simple conversation surprised me so much because I’ve never really known of someone like that before. Someone who has a treasure, but doesn’t want the money for it.

He never did get a chance to go through his attic before he died. His comment made such an impact on me that I wanted to go through the attic and make sure it goes to the local museum/archives like he wanted. I asked his parents, and they boxed everything up for me and let me handle the task.

About a fourth of the items went to the local history archives. They found some value with the old bills and some of the older paperwork. And the other items went to a local history museum. I have walked through the museum since donating the items and I have found them all around the museum on display.

My friend certainly was special. He was the type of person that would do anything to help, even if it meant helping someone he didn’t know or helping a local organization. He could have used the money from selling those things, but he chose to not to.

Man, I miss you my friend…

Technorati Tags: antiques, museum

Guess Who Received their Payment?

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I have to laugh – AT&T received their payment yesterday. They were nice enough to send me an email to let me know.

I was pretty cautious of my entire phone call from them as being a scam, but it really sounds like everything was legit.

But still, it’s never a good idea to give your banking information out with a call that you did not initiate (just to be on the safe side).