Monday, December 29, 2008

Needs, Wants, and The Safe Zone for 2009

I was digging through my computer the other day and found this post. I don't think I ever posted it, but if I did, here's a repeat with some changes. I think what I wrote in June is very appropriate this December day.

I posted one time that I need a nemesis. Actually, I need some goals to strive for that will challenge me AND give me some satisfaction. Right now I feel like I'm sort of going on auto pilot and in Safe Mode. I'm making some progress, but honestly, I don't feel like I have any goals that really motivate me to make me make drastic changes to my life. The odd situation with my full time job bothers me, but not enough to motivate me to make a change. This is the time of the year when people set goals, make New Year's Resolutions, they formulate SMART plans, they formulate KISS plans. They at least make plans. I am (at the time of this writing) struggling with a needs/wants and goals list for 2009.

I've been using these past couple days to look at my true needs and wants. I have very few needs at the moment that are not met. I have several wants, but they are not big ones and I can live without most of them. I have work that pays my expenses and gives me some extra money. I have very few wants that really drive me out of my Safe Zone. I am not bouncing back as much as I think I can or should be. I should be doing more with my life and my skills.

After my discharge, my biggest want was trying to find a way to get a new to me car. It ended up being easier than, and not as, humiliating as I thought it could be. I am paying a double digit interest rate due to the bankruptcy, but I have a manageable car note and more importantly, a reliable car that works. I've been slowly working on my Emergency fund goal of $2,000. I've been close to that goal of $2,00 a few times this year, but have dipped into the fund for true emergencies and some not so true emergencies. Probably the biggest motivation I have righ now is to fully fund the Emergency Fund account.

Honestly, being in Safe Mode is very comforting. I'm not taking chances, I'm coasting and it's safe. After spending most of 2007 and part of 2008 stressing over the Bankruptcy (pre, post and during), I LIKE the Safe Mode. Safe Mode is not going to make me a better person, Safe Mode is not going to challenge me to be a better person post bankruptcy, Safe Mode is not going to let me grow. BUT IT'S SAFE.

I think a lot of people who are post Bankruptcy like the Safe Mode. Let's face it, the phone is not ringing night and day with collection agencies and credit card companies looking for you, the mail is not full of dunning letters and final demands, hopefully you still have your home. There is some semblance of peace and quiet and that is safe and comforting, but this needs to change so I can bounce back even more.

I am in Safe Mode and I need to be out of it. I don't want to be in Crisis Mode, I want to be in Positive Action Mode. I am working, no struggling with a new needs and wants list. I need a new baseline to work off of and from to get out of Safe Mode and into Postive Action Mode

So, what's next? I need to sit down this weekend and look at where I've been and where I want to go. I need to look at that list of needs and wants and find what can re-motivate me to tackle the list head on and make 2009 a much better year than 2008.

Sunday, December 28, 2008

Not As Restful As I Would Like

I "took off" this weekend from the latest second job, thinking it would be good to be home to rest and get some chores done. I had an arm's length list of things to do,just did not want to trek out to the second job and feel like I had to cram my to do list into a couple hours on Friday. I wanted to stay home and Get Things Done.

In reality, not much got done. I did do my laundry (3 loads at the laundromat), I managed a run to the town dump, I re-arranged my Living Room area (it's only moving a chair and a small loveseat). I did have a second Christmas with some old friends and their family on Saturday. That was very nice, but did take up almost the entire day, when I thought we would only do a meal for a couple of hours.

I had hoped to do things like take a nap, actually several naps, sleep in, watch a lot of old DVDs, roast something for Sunday lunch....

It was way too warm to turn on the oven today and do a roast meal, I ate the last of my frozen pizza slices instead. I only managed one nap and did not get to sleep in, the dogs are on a very early schedule now a days. Non the less, I don't feel like I am as rested as I should be.I'm hoping to have a quiet week so I can feel rested and ready and able to take on the new year!

Hope you all had a great weekend!

Friday, December 26, 2008

A Holiday Recap

It was a good day yesterday. I like a low keyed holiday, I really do. I had a great dinner with friends and best of all, NO INSANE EXCHANGE OF GIFTS!. There is something to be said about having a meal with friends and it being a no present type of thing. The two friends who were supposedly giving gifts did, but they were very small items (the scarf) and some soap I like. Nor did said friends seem upset that I did not have anything to give back to them.

I did end up with a couple nice presents, the new scarf, a calender, a couple bottle of cheer, a gift card and an unexpected $50 check from my uncle. I deposited the check to my account and promptly sent him a thank you note.

I decided that my holiday presents to myself this year will be

1) A new DVD player

2) A new feather bed (provided I can find one under $85).

3) A $30 Shopping Spree at IKEA.

I usually meet up with some friends at IKEA on New Years day to wander the store and we have lunch in their cafe. I need a few little things for the kitchen and I can probably find them at IKEA.

My DVD player has been on it's last legs for over a year and I cross my fingers and pray each time I put a DVD in that the machine will "boot up" and play. For $30 I can find a suitable replacement. Since my TV/DVD watching season has arrived, I would really like to have a DVD player that works.

Hopefully, you had a nice day with family and friends!

Wednesday, December 24, 2008

Happy Festivus

The Festivus Pole

The tradition begins with a bare aluminum pole, which Frank praises for its "very high strength-to-weight ratio." During Festivus, an unadorned aluminum pole is displayed, apparently in opposition to the commercialization of highly decorated Christmas trees, and because the holiday's creator, Frank Costanza, "find[s] tinsel distracting." Local customs vary and you may be able to decorate your pole with non-threatening plain decorations, or ordinary green garland.

The Airing of Grievances

At the Festivus dinner -- a meal featuring non-holiday comfort food -- each participant tells friends and family all of the instances where they disappointed him or her that year.

The Feats of Strength

The head of the family tests his or her strength against one participant of the head's choosing. Festivus is not considered over until the head of the family has been pinned to the ground. A participant is allowed to decline to attempt to pin the head of the family only if they have something better to do instead.

HAPPY HOLIDAYS!


Tuesday, December 23, 2008

What I Did At Work Day 2

Installed our new fax machine.

Restocked the copier with paper.

Vacuumed the break room.

Continued to listen to corny Holiday music.

Balanced our petty cash account.

Used my "lunch break" to pick up my second to last holiday gift, some jewlery that was repaired, stopped at the bank for work, stopped and topped off my car with gas.

My Christmas Cactus is Blooming-for Christmas

Last year it bloomed in November, this year just in time for Christmas!

Monday, December 22, 2008

What I'm Doing At Work Today

Dragged out the furniture polish and really cleaned and polished my desk
Restocked the other two satellite desks in the office with new pens,pencils, post its, etc (mainly to prevent people from nicking my things)
Dumped all the old magazines out of the lobby/waiting area and into the recycle bin
Shamlessly surfed the web to find my Chrismas Present to myself (a little comparison shopping now for purchase after Christmas).
Shamelessly read a bunch of blogs
Am listening to corny holiday tunes

Oh yeah, my boss left yesterday for a week's vacation and EVERYONE is out of the office today, except for me. 

I did do a bunch of small work related chores, it's not been a total abuse of company time.

The Temptation to Shop Was Removed

I posted the other day that I was feeling pressure (all mine, all internal) to shop for additional gifts to give to some people I'm having Christmas lunch with. They were not on my list and I was starting to put myself in a small panic about what to get and how much to spend.  Part of me just could not show up at dinner without "something" in hand.  This is a habit I have to break.

I left the second job yesterday afternoon and left my briefcase/bag sitting in the house.  I did not realize I left my "life" at the second job. Thank goodness a projected quiet week at the office means I won't be missing my work files all that much.  I had my wallet in the car and had stopped to gas up the Escape.  At some point during the drive home, I realized my briefcase was sitting on a chair in the dining room. I keep my bag on a bench in the front hall and from the hall items go into the car.  I had not put the bag in it's usual spot(I am such a creature of habit) and when I did my last walk thru, probably assumed the bag was in the car, with my suitcase and laundry-WRONG!

How did this remove the temptation to shop? Simply by the fact the bag with my lists of potential presents(and the last of my holiday cards to be mailed), my checkbook, and credit card wallet  is not in my possession makes me less inclined to shop.  I have enough cash in my wallet to make it until Thursday (I'll pick up my briefcase on my way to Christmas lunch), I can't spent the cash on extra presents and I have absolutely no plans to run to the bank to get extra cash either. 

Saturday, December 20, 2008

Feeling Better About the Second Job Situation

Last week at this time I was sitting in the same spot almost in tears about a comment made to me.   This week, I'm feeling a lot better and have put some things into perspective. I do want to thank everyone who commented on that particular post, your words were a great help.

I have to keep reminding myself that I am doing what needs to be done to pay my bills and make money.  I have to remind myself that I am fortunate that I have a two jobs that allow me to pay these bills.  There are folks that don't even have one job.  I have to remind myself that the comment made to me was a bit spiteful and yes hurtful, but WHO CARES what the reason was that precipitated the job offer.  I  have a job that allows me to make up the lost wages at my "full time" job. 

The trainer in question was here at the barn this weekend, is happy with the arrangement and is happy with me and my work. He is obviously not at a show, clinic or workshop this weekend or next, but home and still employing me to do this work.  I ran into my other trainer at the coffee shop this week who said, "So I guess I've lost you to Trainer X from now on, I hear it's all working out for you."  I told my first trainer (my original second job boss) that when show season came back in full force if he wanted me to work for him, I would do it, he was closer to home (just the next town over and trainer X knows that is a possibility, but for the time being, yes I'm working for Trainer X.  

My thanks to everyone who took the time to read that long post and to comment.  I appreciate the support!


The Upcoming Week's Schedule and How It Affects My Budget

This week is a bit crazy for me, both in terms of a schedule and what I now am going to be spending.  I was  pretty strict with my present budget this year. I did give myself a small budget for "overages and unexpected purchases", and the operative word is small. I narrowed my list down to the few folks I truly want to spend money on and my plans for the upcoming week are all falling together.

Saturday and Sunday: Work at Barn, try to go to friends Hanukkah party on Sunday night on my way home if the weather co-operates. We are getting a weekend of snow here in New England-Think Bing Crosby's White Christmas!  I'll try to post a photo of my view.
Monday and Tuesday: Work a normal schedule.
Wednesday: Work a half day, pick up dessert from fancy pastry shop for Christmas, go home, put feet up and relax.  Supposed to go have Christmas Eve dinner with friends, may just stay home and watch Love, Actually, may head off to a mid-day matinee at the local movie theater (they traditionally have a Christmas eve matinee). The weather will dictate what I do. 
Thursday: Hopefully sleep in, but probably up early anyway, open a few presents, get dressed and head off to a mid-afternoon Christmas lunch/dinner. I'm thinking about making a nice spicy Bloody Mary to have with my Christmas breakfast.
Friday: Work (yuck!), maybe meet up with a relative who is unexpectedly coming in from out of state. My boss at my regular job is out of town and I'm stuck being in the office. 
Saturday and Sunday: ?

I have the option of working next weekend at the barn sitting job, but I may pass and pass on the cash for the sole reason I'm tired! Right now, at this point, I'm just not feeling motivated in any way, shape or form to drive back to the barn next weekend. I think I'd like to stay at  my house. I've not been home for a weekend since the middle of November.  I'll happily work the weekend after New Years, but I'm leaning towards taking this weekend off.

I'm having my Christmas meal with a group of friends, I know everyone except one person who is coming and I found out via the ever (and this time, very) reliable grapevine that two of the guests are bringing presents for me.  This was not supposed to be a present exchanging kind of a party.  I do have a small gift for the host and hostess and one other person that I know well (I'm recycling a gift for them). Sigh, I'm feeling like I need to go out and shop for the other two or more guests.  I really don't want to and I'm hoping the "moment will pass".  I have no desire to go and shop for 8 other people. They were not on my list!

Ah well, it is what it is. 

An Unexpected Surprise

I have been posting about my job and the reduction of hours that has occurred. I've not posted about some of the other issues that have cropped up with the reduction in hours, other than the payroll schedule change. My reduction in hours also meant (unknown to me and my fault for not asking up front) that I no longer get paid for holidays (like Thanksgiving, Christmas, Christmas Eve and New Years Eve day) that I had in the past and there is also going to be a change in how I earn vacation time.  I found out the unhappy way, when I opened my paycheck last week and did not see my "holiday" pay.  At least for now I still have my medical benefits.

I did, however, get a very unexpected surprised. I got a call from our finance department and I am getting a holiday bonus, it's $900.  I am going to use part of that to  buy myself a holiday present and put the remainder in my E-fund.  I'll get that bonus on my month end check, due to a mix up at the payroll department, it did not make my pre-Christmas check.

It's the little things that can really make my day!

Wednesday, December 17, 2008

Working This Weekend! That's A Good Thing!

I'm scheduled to work this weekend. Yea  actually! I finish my work week tomorrow at my "full time job" and I will have a some time to clean my house, wrap the few holiday presents, you know, get some "stuff" done around the house. I won't be rushing around like a crazed woman, trying to cram in a lengthy to do list of projects and chores before I head out the door. 

My bank book/E Fund will be grateful as well.  I do have to have a conversation with both jobs after the new year to figure out what's happening with them.  This schedule is good for now, but I'm craving an extended stretch of me time (can you save overdue vacation). I don't want to burn completely out.

I am getting ready to head out to a Holiday Party. My office is not having one this year (again no surprise there!).  One of my friends has asked me to be her "date" to her office party. Her boyfriend is out of town this week.   We decided that we will go and have a great time, eat some good food, have a few drinks and enjoy her employers hospitality!

Got the New Credit Card Bill, Paid the New Credit Card Bill

I got a notice in my e-mail-Your Credit Card Statement is Ready. I logged in to my account, checked out the purchases to make sure everything was as it should be, then made a payment for the full balance. The choice was $15 minimum payment or pay in full $170. I paid in full the $170. I had budgeted out the funds, I had been treating my new credit card as a debit card. There was only one $14 purchase I had forgotten I made, but I had thought I made that particular purchase with my debit card. No biggie, the funds had been allocated. I now have my new credit card paid in full. That is a good thing!

Tuesday, December 16, 2008

Trying to Support A Local Business Can Be Tough

I try to shop as locally as possible and support our local small businesses. Today was my restock the kitchen at work day. Seems food shopping is my theme for yesterday and today. I needed about 5 items and figured I'd pick them up at our local market instead of hitting the grocery store on my way to work tomorrow.

Yesterday I bought a jar of mayo for $2.79. I saw the same jar-brand and size- at our local market for $7.99, yup $7.99. We don't need mayo at work, I just happened to be doing a little comparison shopping. I was more than a bit surprised to see the dramatic mark up between the chain store and the small local market. That's a $5.20 difference!

For most of my office shopping, I'd rather support the local business and purchase our snack food and misc coffee break items there, but the costs have gone through the roof. Our office has a budget too. I can understand that the market's costs have gone up, but wow, what a difference in price between the two stores.

Monday, December 15, 2008

I Spent $58.66 on What?

Today was payday (and nope, no holiday bonus as I suspected might happen this year), but it was also time to go grocery shopping. I made my list and checked it not twice, but three times. I had some cash in hand and my meal planning from the cupboards has been pitiful. It was time to restock so I could meal plan from the cupboards and not wander aimlessly around the grocery store as I am apt to do.

I won't bore you with the entire list of things I bought, but I pretty much stuck to my list-actually, I did stick to my list except for three items. 1) a bouquet of flowers 2) Frozen Turnip Chunks (I love turnips, just hate to peel and cook them) and 3) some Ellios Frozen pizza slices(dinner). I did shop the specials, but since my pantry has been low on a number of staples, I had to restock. Peanut butter, mayo, red wine vinegar, pasta, paper goods, etc. I was very happy to find that the store had an ample supply of loose bulk onions. I was able to pick up a couple pounds of onions in assorted sizes, which is good. It's been a pet peeve of mine that I'm forced to buy bagged produce. I like to pick and choose! I did get a $3 off my next purchase coupon. I may have spent close to $60, but I feel well stocked up. I do have to pick up a few more items but I can probably pick most of those up at Aldi.

I got some inspiration shopping the reduce produce isle. I picked up enough veg to feed 4 people for about $3. The reduced produce isle can be hit or miss, but it was a hit today. The veg will be chopped up and made into either a root vegetable stew or a vegetable curry to simmer happily away in the crock pot.

For the past month, I've been shopping as needed when I've been planning my meals and using up most of my cupboard staples. I've not done a food shop of any great size since, um October?. While I did spend $58.66, I think I'll end up cutting back my grocery bill. When I 'shop per meal" I end up buying items I don't necessarily need, but I pick them up anyway. I'll walk into the grocery store to buy some veg and fruit, then wander the isles looking for whatever. Not good.

Oh well, it may have been $58.66, but now I have a cupboard of food and can plan some meals that are actually exciting and fun to eat!

Saturday, December 13, 2008

This Is When The Insecurity Sets In...Or It Could Be The Full Moon Again

I really wanted to write a post on how I'm going to try to work on some creative visualization techniques in my life and give you an example of how I've successfully used them in the past. Instead I'm almost in tears because of a phone call I made earlier today.

This is the third (or fourth) time I've re-written this post.

It's hard to bounce back from Bankruptcy, from lots of debt, and from many other things. It's hard to do it when you have a supportive spouse/significant other,  even harder if you are "doing this alone".  As I've posted before, as far as I know, my BK filing is not common knowledge to almost all my friends. I've only told two people and I just don't discuss it outside of this blog. I don't.  I still carry a lot of BK issues with me, I'm working on getting over them.  Honestly, I'm no longer bankrupt, I'm post bankrupt.  I just have a BK on my credit report. Onward and upward as they say.

I try to look on the positive side of things. I really do.  Yet today, one comment from one person almost brought me to tears.  This whole BK, job, relearning how to be a fiscally responsible adult again, getting credit again, my work hours getting temporarily cut, the feeling better about myself, the year has had it's ups and downs to say the least.   That plus the fact I've had some issues with how I'm handling my relationships with my various friends has been a new learning curve as well. To put it mildly, it's been a real eye opener for me.

A call today to my friend K just to say hello and catch up resulted in a comment that left me so upset.  It was the tone, context and the way it was said.  Pretty much I was told I should be grateful I had a second job, and that the second job was given to me based solely on this persons personal recommendation and that the trainer who offered me the job pities me.

The conversation that prefaced this comment had almost nothing to do with me or this job.   I called K to find out how she was, I wanted to leave me and my issues out of it.  My work, lack of work, second jobs, issues with elderly friend, etc were not germaine to the conversation. I dislike being called by someone and having the entire conversation be about them and their issues. In fact, I've made a point this year to NOT make those types of phone calls.   K asked me about the second job and I said it's going OK for now, the trainer has barn coverage, he has told me he is happy it's working out for both of us, I have work, he has coverage and we are taking it from there.  

K then says in this tone of voice that is supposed to be supportive, but really comes across as condescending, the above statement.  K has had a run of "good luck" as they say. Actually, really good luck.   A great promotion at her job, a new boyfriend, her parents have offered to help her purchase a new house, she was selected to fill a prestigous position in our hobby club (over me and one other person I might add), plus some other good things.  Which, when she said the above statement to me, really made me wonder why she said it.  I really don't think I took her comment out of context.  I thought about what she said and it was just spiteful. It was not supportive or helpful.

I'm not happy that I'm forty some odd years old with a MA doing the work a responsible 17 year old kid could do.  The biggest difference between me and the 17 year old kids that work here is I can stay overnight, they have to go home to mom and dad. But I'm doing what I have to do to make ends meet.  Part of me is terrified that I will get laid off from my full time job and I'm still behind on an E-Fund that should have been well funded by this time of the year.  I still have a lot of money issues I'm working through. And I don't have a "support" system as she does to fall back upon.

Part of me now wonders if I got this job because of the pity factor, let's face it, this trainer and I don't cross paths very often, I'm not in his backyard, and he probably could have found someone closer to home. Part of me wonders if I was just in the right place at the right time and this has worked out for the both of us. No matter what, the comment really upset me.  I may need a job, but I don't need someone's pity. And I sure don't need K's.


Cash In Hand

When I got to the second job this weekend,  a paycheck was waiting for me on the kitchen table.  This is a good thing! I went to the bank yesterday, cashed it and immediately  put the bulk of it in an envelope to be deposited to my E-fund.  I grabbed $60 for me and the rest will go to my checking account.

I've made it to the next payday (with not a lot left over) and this upcoming check from my "full time job"  will cover the mortgage, student loan, car insurance and phone bill will some left over.  So far I've not had to dip into my E-fund.  So Far.  Last year I got a small holiday bonus.  It came on the paycheck that will be in my account on Monday.  Honestly, I am not expecting ANYTHING this year.  For a while I had sort of hoped that I would get a small bonus, but once my hours got cut, I figured-There goes the bonus!

I had a couple hours off this afternoon, I'm getting a routine down (which is good!) and I ran some errands.  One errand took me past a local mall where the off ramp from the highway was backed up a good 1/2 from the mall exit.  Even with a wad of cash burning in my pocket and the knowledge that my checking account had enough cash in it, I had NO desire to go out and spend money, on my self, on presents, or on anything.  I did get gas in my car.  Price at the local pump, $1.53 a gallon.  It was nice to fill up the Escape and not pay $60!

The trainer I am working for called to check in.  This area of New England had a "wicked bad" rain and ice storm.  Where I'm staying was just south of the rain/snow line and it was all rain here.  Cold, raw, miserable rain, but rain.  Not too far north, lots of ice, downed power lines, and broken tree branches.  A friend of mine in Southern New Hampshire is still without power and it might not come back on until Monday or Tuesday.   He's living in front of his fireplace for the time being and hoping the pipes don't freeze.  I called home and the lovely neighbors said we only got rain in our town and all was well.  Which is a good thing!

Thursday, December 11, 2008

A Few Updates And Some Random Thoughts

Just a few updates here.

I had a no spend day! Yeah! My first in ages-no grocery store, no gas station, no post office, no coffee/tea stops.  It's the things like needing two onions or postage because I ran out of stamps that breaks the no spend day cycle.

My elderly friend is in deep denial about her medical condition, she has been in and out of hospital and a rehab facility for just over two months.  She can not live on her own and has tried (unsuccessfully) to live with other friends. She got upset with our mutual friend D and myself when we suggested that we all look for an assisted living facility. She now refuses to move back in with D because D and I (and to a certain point elderly friends MD) agree she may be better off in assisted living, at the minimum, she needs a professional caregiver around for most of the day. The situation is not good.

I think I have a permanent home for one of elderly friends dogs.  Poochie 2 has found a new home, it's a family with two children around the ages of 8-10. So far, so good, keep your fingers crossed and keep happy thoughts for this Poochie.  Just having one dog out of the house has changed the dynamic and the others are happier. Poochie 1 and Poochie 2 really don't like each other and it was interesting setting up a feeding/walking schedule to keep everyone safe and me sane.  Plus Poochie 2 needs a family to love her, she was just not getting all the love she so deserves at my house.

I've decided that even with my job situation I am way overdue for a vacation to the UK to visit my friends.  I am going to find a frugal and sensible way to make a trip happen in either March or April.  I am going to really focus my energy and thoughts on making sure this happens. I've usally been very lucky finding decent airfares to the UK.  More on this in another post.

My effort to sell a bunch of books and CDs on half.com went well. It was not so much about the money as it was for me to work on a little decluttering.  I probably would have left those items on my shelf, but my reduction in hours spurred me to spend the 10 minutes it took to update my inventory. I only have a few items left to sell and if they don't sell by Christmas, I'm packing them up and donating them to a charity shop.

I will finish my 90% of my Christmas shopping on Tuesday.  I have a couple small things to pick up, but can do that a few days before the holiday itself.

The whole wheat pasta must be growing on me. I ate it for dinner last night and it was not so bad. OR it could be that I was hungry and just ate the food anyway.

I'm almost "caught up" on all my laundry. I have a bunch of jackets and blankets that are coming wth me to the second job this weekend. I am going to get everything washed and dried.  I will also probably donate a couple of the jackets I'm no longer using/wearing to a Charity shop as well. It's part of the decluttering process. These are not trendy or stylish coats, but they are warm and practical and if someone else can use them, great. They get a new life with someone else and I get space on my limited hanging rack.

Wednesday, December 10, 2008

The Holiday Present List

My Present List 2009

Friend K: A novelty tee shirt-already purchased and given last month. Cost $13
Friends R and S: I'm having Christmas lunch with R and S and their family. My contribution/present is a dessert from a gourmet local bakery, plus two jars of gourmet mustard I found at a local store (these folks love mustard). Cost $45
Friends P and L: One bottle of Whiskey, one bottle of  acceptable Port, some other small treats: Cost $60
Friend T: A bottle of gin. $25
Friend D: Two small Yankee Candles $20
Lovely Neighbors: Don't want to do a present exchange this year, they are having money problems, but I am going to get them something not to exceed $30. They have been great watching my house and helping me with the animals. It will be a present from the poochies and not from me.

My total budget for holiday presents is just under $200. This does not include my present to myself, yet to be decided, but most likely not to exceed $60.  I've pared down the list to the nearest and dearest to me. I am getting presents only for those friends who have been "good' and "there" for me this year-no questions asked, especially when I was having a meltdown about something!  I would be very remiss not to do something for them.

The easy and nice part is that 90% of this shopping can be done at my local liquor store, in and out in 15 minutes. It's easy to do when the few I'm buying for are quite happy with a "liquid" present. Plus I get to support a local business.  I'm not doing presents for many of the others I've done presents for in the past, I just don't have the budget. I've limited the number of acceptances to the various holiday get togethers this year as well.  One because I've been barn sitting on weekends and two because it also gets me out of the obligatory bottle of cheer I always feel compelled to bring to the party.  Part of me does miss the parties, getting dressed up, eating good food, seeing people, I like a good party!

How goes your list and shopping?

How Far Can $10 Go?

I cashed my $10 check and went traipsing off to the grocery store last night. I spent $3.13 on one bottle of tonic water, one bottle of ginger ale and a bottle of grated horseradish sauce. I have $6.87 left to spend on food between now and Monday morning.

My biggest complaint about my local grocery store is it is next to impossible to purchase things like onions, all purpose potatoes and some other basic veg unless they are pre-packaged in bags of 3,5 and 10 pounds or four to five peppers to a shrink wrapped carton.  This seriously irks me. I'm trying to be a good, thrifty person and all I needed was two very small onions. I could buy a 3lb bag of onions for $2.69 or a big sweet onion for 99c per pound. I've blogged about this before. I like selecting my own produce, I like getting the tactile sensation of going through a pile of peppers to find the "right ones". I really wish my local grocery store would have more bulk bins. I left the grocery store without the onions, knowing I had one big one at home I was planning on bringing with me this weekend but decided to use it up instead.
I switched up my meal planning for the week. I had my veggie burgers and fries last night and made a pasta sauce for tonight’s dinner. The purpose of this meal planning is to clean out my cupboards of the odds and ends that are sitting in there that are perfectly edible and not to spend money at the grocery store because I'm to flipping lazy to use my brain to cook out of the cupboard. A couple months ago, I bought some whole wheat pasta. I really don't like it, could be the brand, could be that my palate just does not like whole wheat pasta, but I still have 4 pounds sitting in my pantry (I bought  8 boxes of Barilla Whole Wheat Pasta at Costco thinking it would be "good for me and my diet"-WRONG).  I'll cook it up tonight and have that as my dinner.
The upside to all this meal planning from the pantry is that I am using up food in the pantry and not spending money at the store. I'm trying to see what I can make with the variety of interesting and odd canned and dried goods I have in my cupboard if I decide to swap out my meal plan for the week.

Tuesday, December 9, 2008

Meal Planning and Shopping When You Are Not Home

One thing I am struggling with this month is meal planning and shopping since I am not at home three weekends (if not more) out of the five weekends that are December.

When I work as a groom, we eat out at restaurants or get take out. Nothing fancy, we don't eat at expensive restaurants~ I'm not bothered about food, it's taken care of as part of the job. The barn sitting is a different story. I am stationary in one place and food is not provided. I have access to a full kitchen and shelf space to leave groceries. I still have to shop. Last weekend I brought some leftovers, bought some food and pre-made a couple items to cook. This is sort of working out. I loaded up a cooler with food and a grocery bag with items I needed. The biggest problem is the kitchen is not very well stocked with spices, condiments, oil, vinegar, etc. The other sitter said she just eats out most of her meals when she is there. I needed to saute an onion and there was no oil of any sort in the house. I ended up using a tiny dab of butter, but some olive oil is what I really needed. I did an inventory of the common items and for this weekend, I'm meal planning based on what I have in my cupboard that I can bring to cook and based on what is at the house. I have a "lunch date" planned with a friend, so at least one meal does not have to be accounted for.

My meal planning has been all over the place. I did an inventory of my food cupboards in preparation for next week's food shop and to see what I needed for my meals and take into account that this upcoming weekend I will be gone from my home from Thursday night until Sunday night. I'm also using up what has been sitting in my fridge and freezer. I just feel like I'm shopping twice as much to cover my food needs and I feel like I still need to shop more!

Monday Dinner: Boneless pork ribs baked in the oven in the remains of leftover jar of ginger/teriyaki marinade, egg noodles and peas (I have opened bags of noodles and peas that need to be used up).

Tuesday Lunch: Left over curry from weekend on the last of the egg noodles from last night.

Tuesday Dinner: Pasta with tomato sauce-must make the tomato sauce when I get home from work.

Wednesday Lunch: Left over ribs and brown rice.

Wednesday Dinner: Veggie burgers and the last of the frozen french fries.

Thursday Lunch: Leftover pasta.

Thursday dinner and Friday lunch ?

Friday dinner: Beef curry or beef stew-depends on what mood I'm in when it's time to prepare the beef. Some sort of veg or salad (I miss my salads!)

I have nary a clue for Saturday and Sunday in terms of meal planning ......

The good thing about the barn sitting is it's in a small town that does not have a ton of restaurants so I am not tempted to go out buy prepared. So far I've resisted the 5 pizza/grinder shops. The local diner did get my business one weekend and that food was enough to keep me full and happy well past dinner time. I may sneak out for a late breakfast on Sunday so it can suffice for breakfast and lunch...may....

I'll find out this weekend if I need to work the weekend of the 20th and I can base my food shopping and meal planning for next week on that.

Ask and It Will Come

Yesterday I posted that I needed to spend about $10 on grocery items for my upcoming meal planning. $10 is not a lot of money, but still it's $10.

I opened the mail yesterday afternoon and I was the recipient of a $10 check! Seems my accounting office did not pay correctly for a travel expense and I got an unexpected check!

Sooo-that $10 is going towards the items I need to do my meal planning through next week!

Now, lets see if my other request to be fed a couple meals comes through as well!

Monday, December 8, 2008

Do You "Buy" Yourself Holiday and Birthday Presents?

I'm finalizing my (thankfully) small list of holiday presents for this year. I have in past years, purchased a gift for myself, some have been large (signed a contract on my house on my birthday, bought a car on my birthday, got myself a new TV last year), some have been small,~ nice bottle of wine, fancy soaps, a good piece of something to put on the grill.

So do you get yourself a "treat" or a gift?

The Account is Low, Decisions Have To Be Made

Because of my pay roll schedule change, my bank account balance is low. I have money in my E-fund, but my bill paying account is low. No bills are due this week, a couple are due next week and I'm supposed to get a check for the newest part time job (5 days of work) this week. I only need about $10 of groceries to last until the 15th. I'm also putting it out to the universe that it would be really helpful to me if two lunches or dinners this week could just "appear" for me.

The second job is going better. Now that I'm getting into a routine and familiar with my duties, I'm a happier camper. The down side is I really have no days off for me. I've been working straight since Thanksgiving at one job or the other. The good part about the second job is I have access to a washer and dryer, so my laundry is done, but I would like a day to just hang out, lazy around and do nothing or at this time of the year, do my holiday cards, clean my house and dream about maybe actually getting a new herb garden planned for next year. Ah well, we have to do what we have to do.

I've not done any December goals or November recaps, it was too depressing for me to do so. Pretty much my December goal is to make up the lost income from the reduction of hours. I think I'll come close, it depends if I'm asked to work the end of the month.

My boss is away on a business trip this week. I'm pretty grateful about that. His hovering in the office and questioning every phone call that comes in is getting on my nerves,as well as the other staff as well. He is not handling this reduction in business well at all. One reason I took a job at this company was because they had been in business for over 30 years, were stable, and I had heard very good things about the owners/managers. I'm hoping this is a glitch.

I have decided to see what happens after the first of the year. If I still have to take a reduction in hours, I'm going to probably have to look for a new job. I really can't have a long term reduction in hours, a couple months, yes, more than that, nope, just can't do it. Not since I don't have a steady second job income. I may be spending my Christmas Holiday working on my resume.....

Wednesday, December 3, 2008

A Week Behind Each Payroll~

I spoke with our payroll person yesterday and yes, the fact I moved from salary to hourly has meant that my pay cycle changes. I'm not sure I understand why-previously, I got paid on the 1st of the month (covering the 16th-31st) and on the 15th (covering the 1st-15th). When I was salaried I got paid that week for that week. Now that I'm hourly, I will be a week in arrears due to the date they transmit payroll to ADP. I'll get paid this 15th for last week and this week, they transmit payroll the middle of next week and that week won't be on that check. I'm trying to remember if my payroll person had this conversation with me and I forgot it (or more likely blocked it out) or if we did not. I've got to pay better attention to these things. I've got to ask questions, I've got to take better care of myself.

What I don't get is why I can't get paid as hourly the same as I did salary in terms of what should be in my paycheck. I'm just not seeing the reasoning behind it. All it means is right now I have less money in my account than I would like and some bills will have to wait until the 15th to get paid (thank goodness they are not due until well after the 15th). I don't want to dip into my E-Fund to "make up" the difference because I'm not feeling disciplined enough at the moment to "restock" the E-Fund from my new payroll schedule. I will just do without.

The only bummer to all of this is I really needed to go grocery shopping to get food for my weekend job. I was "assigned" a food cupboard so I can keep a stash of food at the farm and not have to eat out. I'll shop out of my own pantry for now and just pick up the minimal amount of other food. Ah well....

Tuesday, December 2, 2008

At Times Like This I Love My E-Fund

The reduction in hours for my full time job means a reduction in my paycheck. Somewhere in the past couple weeks, I've had a mis communication with our payroll processor. Let me tell you I was UNHAPPY to open my pay stub this AM and see I got less than half of my usual pay. I was only paid for one week of work instead of two. SURPRISE SURPRISE-of the unhappy sort. I was expecting to get paid for the last two weeks in November on the check that was deposited to my account yesterday. I only got paid for one week. I was expecting almost twice as much money as I got. I was not expecting to be a week behind on pay. Not only did my hours get cut, but I got moved from salary to hourly (same rate, but I think that may have something to do with the mix up).

I'm not sure where the mix up is, or how it happened, but it did. I have money in my checking account, I have money in my E-fund that can be used in case of an emergency, I have money coming in next week for the yet another part time job, but boy, was I glad that I did not have any large bills to pay today. I have the checks written out, the bills stamped, but they are staying on my desk until I get this sorted. I would have been SOL as they say, if I posted them today. I wrote bills for exactly the missing amount I was expecting in my check.

I have a call and an e-mail into the person who processes our payroll. I need to figure out where and how we mis communicated. I know they won't cut me a check if it was an error, I'll have to wait until the next paydate, which is the 15th. This just adds to my work frustrations, it really does. Grr.

Monday, December 1, 2008

One Of my Goals Achieved


One of my goals post Bankruptucy was to get a credit card again. Yes I know some of you are gasping in horror~ a credit card?! But yes, one way to help kick up that FICO score is to get a credit card.

Before I even knew I had my discharge, I was getting "pre-approved" credit card offers for people with challenged credit. Most all of these offers were, to say the least, more than a bit ridiculous with their fees-application fee, yearly fee, monthly fee, credit review fee, to say the least. To top it off, you would be "offered" a credit amount of $500, of which over $250 would be "fees" payable to this particular bank. Needless to say, did not jump at the offers. I read the fine print, laughed and then shredded the "applications".

One of my personal goals was to get a credit card that was not a secured credit card or one with these outrageous fees. It's been 10 months since I had to get my new to me car, almost a year since my discharge and I've been paying the car note early and an extra $10 a month to boot. I did some web surfing on Bankrate.com and narrowed my choices down to two banks for people with "challenged credit". I ultimately ended up choosing one bank over another (and no it's not Capitol One, the bank everyone loves to hate) because of the card design. Well, that was part of it, the other part was the interest rate, the credit limit, you know, the fine print,those things you should read before signing on the dotted line. I did do my homework and research on that aspect. But yes the card design choice was the kicker. It tipped the bank in my favor. :)

I am now the proud (yes proud) recipient of a credit card with a $500 limit and a yearly fee of $39 with an annual interest rate of 14.9 %. I feel like I have come full circle. I remember my very first credit card had a limit of $500. That was a long time ago, a very long time ago.

I guess the point of this post is that even in these tough economic times, with a discharged bankruptcy, you can qualify for consumer credit again. You have to be good, pay your bills on time, not go into collections on any account, and keep trying.

Don't kid yourselves, it's not like I'm going or went out and splurged with that new found credit card. Here is what I bought, $35 worth of special dog food for a finicky dog and $29 on a bottle of whiskey to make hot toddy's to help fight this cold. I also signed up for instant bill paying and paid $75 to the account today (forgetting that I had an annual fee, I'll make another payment tomorrow).

The Weekend Update

Other than fighting a miserable cold, the weekend went OK. Not great, but OK. I had my Thanksgiving meal with my lovely neighbors (good company, good food, good time) and I was able to organize my small space-yeah for me.

This past weekend was my first weekend at yet another job to supplement my income. That too went OK, not great, but OK. I don't have a routine down yet, (I like routines) it was a new situation for me and I forgot to take into account my meal situation. When I work as a groom, my meals are paid for as part of my work. The barn sitting gig does not offer meal reimbursement. I ate a huge diner breakfast on Sunday that was sufficient for my lunch and breakfast, but I'm going to have to remember to pack food for my other meals or be spending $40 a weekend on meals out.

I have to get my head into a schedule and my new routine. Not feeling all that well on Saturday afternoon, I spent far too much time in between work duties drinking tea and stewing over my situation. When I don't feel well, I get very down on myself, my life, my past choices, my current choices, my circumstances-in other words-I kick myself when I'm down and get depressed about life and finances.

This mentality is not good and can lead to self destructive behavior. I don't know the area very well, so at least I did not go shopping (less a trip to the CVS for cold medicine and the Dunkin Donuts for Coffee on Saturday). I watched a lot of HGTV and TLC and also got into the DIY/Home Improvement show envy. Not good. I did get my laundry done without having to spend $10-$20 at the laundromat as I usually do. Sigh, I'm just glad today starts a new month, so I can start off a new foot with a better frame of mind.

Thursday, November 27, 2008

Good Morning!

It's just after 11 AM on Thanksgiving. My poochies have all been walked, watered, and fed and have had some "Mommy and Me" time. I've made the bed, vacuumed the house, done some overdue dusting, the dishes got washed, dried and put away, filed some papers (I'm not letting the pile get out of hand again), made breakfast and my contribution to the Thanksgiving Meal is happily cooking in the oven.

Right now, I can't ask for anything more......

Wednesday, November 26, 2008

Have A Happy Thanksgiving


to those who celebrate and a great day to everyone else

Thursday, November 20, 2008

Somethings to Be Grateful For

As I posted a couple weeks ago, I had a reduction in my hours at my full time job. I was not happy about it. I was able to pick up a couple shifts at my second job, but was facing December with extremely limited options for additional income.

I also did not fret (too much) or panic (too much) or let it get to me (too much) for about 10 days. I used the time to do some much needed re-organization of my home,to think about my next steps, and my needs and wants. One of my needs was to get the new to me dogs current on their vaccinations, my elderly friend does not have records on her dogs medical history, other than rabies.

A few months ago I signed up as a mystery shopper. Assignments in my area have been far and few, but one that did crop up was a mystery shop for a vet clinic. I have a dog that needed a vet examination. I took the assignment. The clinic is not in my area, and to make the situation even more interesting, the vet I had lives one town over from me (small world!) and wanted to know why I came to this particular office (did he think MYSTERY SHOPPER?!). I told the practice that this dog had a prospective new family in the area close to the clinic and I wanted to make the transition from my home to their home as smooth as possible. (OK, so it was a little white lie, I don't have a home for Poochie 2, but I AM looking for one!). The cost of the visit will be reimbursed to me and I'll get paid enough to more than cover my gas to and from the clinic. Poochie 2 is now current on her vacciantions and I did not have to pay for it. One need off my list. If my shop is accepted, I can take one of my other pets to vet facility for her annual exam and vaccinations. That particular facility is a practice I used to use and I could go under the guise I was thinking about transefering back to that practice.

I also was asked this AM if I would be available now through the end of December to "barn sit" for a trainer I know via my groom job. He needs someone to live in the caretakers apartment and be on site for the animals, the work is minimal, he just needs someone on site at night. I told him I had already booked out a few weekends for other work, but could happily help him out. This works for him, it works for me and the pay will be a big help for the month of December. Plus the caretakers apartment has a washer and dryer, I can do all my dog and personal laundry! Whoo Hoo!

I am not sitting on my heels, I am still pursuing alternative income streams, but I am grateful for the opportunities that have come my way these past couple days.

Tuesday, November 18, 2008

Blog Roll Updated

I updated my blog roll with a few new sites, some personal finance and one new cooking blog. If you have not found Smitten Kitchen, I recommend you try it out. Looks like some great recipes that won't break the budget, along with a few indulgences as well! I got rid of a few blogs that have not been updated in a while, or have gone private or have gone off line entirely.

If I promised you a link and I've missed it, e-mail me or post in my comments and I'll put you one. If you know of a good blog, let me know!

Thanks to all of you who link back to me as well!

Someone Who Has "Bounced Back"

I started this blog to chronicle my journey through bankruptcy and how I would have to change my life. I know I'm not the only person who has gone through bankruptcy, I think I'm one of the few that blogs about it. I use this blog to vent, to ramble on about random things, to entertain and to give some hope to those also facing bankruptcy that while it is a horrible experience, it is not the end of the world. You can survive bankruptcy. I'm slowly doing it.

As I've posted before, I hold a real estate license. It's my non income producing second job at the moment. One of the agents I work with in the real estate office has two clients (a married couple with two children), who have filed Chapter 13 Bankruptcy. We will call them The Smiths. With that BK, they lost their home (had to do a short sale) and moved into a rental. Their reasons for filing a BK were due in part to a drastic reduction in income due to the husband going on long term workman's comp. for an injury and being over extended on consumer credit. They were bound and determined to become homeowners again.

Part of my "job" at the real estate office is to help the broker pull credit reports on tenants (mainly because he is not computer literate enough to navigate the on line system). The Smiths somehow managed to get into a rental while their C13 was still in the court system. From what I've heard, they have been stellar tenants with very few hiccups. This past spring, they thought they wanted to move to a different rental. We pulled their credit report for two prospective rentals and boy, were they surprised at the amount of incorrect information on their credit report. A number of accounts resolved in the C13 were still listed as active and past due or in collections, their former home was listed as a foreclosure sale, other loans were listed as past due (even though they had sold a number of the toys that contributed to the C13 Bk-boat, jet ski, 3rd and 4th vehicles). To top it off, all this mis-information resulted in a FICO score is the low 500's for both of them. When Mrs. Smith read her report and saw all this mis-information, she nearly had a meltdown. It also made me run for my credit reports to make sure my information was correct and current (it was not pretty information, but at least it was correct).

According to Mrs. Smith, the house was sold at a short sale (less of a hit than a foreclosure supposedly), the boat and jet ski sold and loans paid in full, the other cars turned in to the dealer for one newer family car (I'd hate to see that loan), and that they had been current on their credit cards and remaining loans. Their agent gave them a copy of their report and told them they had to get all this information updated. Given the really bad credit history, the c13 BK and what was currently on the credit report, she highly doubted that even with the good recommendation from their current landlord that they would be able to get into a decent rental house. That was and is the state of the current rental market. You want a good home or apartment, you need good credit.

What these folks did do was to connect with a local mortgage broker. They very badly want to purchase a home again. They both were back to being full time wage earners, they were working on their savings and they wanted to do what they needed to do. The local mortgage broker sat down with them and outlined her banks programs for people with average credit. She told them that her bank would not approve a mortgage for anyone with that FICO score period and the c13 needed to be at least two years old so that they could prove they were adhering to the Trustees re-payment schedule. The broker also told/taught them how to dispute the items on their credit report and how to follow up with the credit agencies, all three of them.

These folks took direction well. They dissected that credit report, they got all the documentation they needed, they questioned the misinformation, and they followed up. It took a couple months but almost all the mis-information was corrected and updated. I know they were going back and forth on a few items. The mortgage banker pulled their report in early October and their scores had just broken into the low 600's. The scores went up almost 100 points. The mortgage banker told them if they kept on doing what they were doing, that they could qualify for a new mortgage after the first of year. How do I know all this information, it's because they were open about the c13, they were willing to talk about it and they were willing to do what they needed to do to get back into their own home.

What they did right

1) They lived almost exclusively on cash.
2) When they did use their credit cards, they paid them off in full each month.
3) They lived within their means and did not rely on the overtime as "regular income"as they did in the past.
4) They used almost all of the overtime pay to pay down their bills and put it into savings.
5) They got rid of the "toys" and after the C13, did not go back out and repurchase them.
6) They consolidated their vehicles (down from 4 to 2).
7) They pulled their credit report and disputed the incorrect information.
8) They lived on a tight budget
9) They paid their bills on time.

For a number of people who are forced into Bankruptcy, it can be hard to go to the cash only mentality, live on a budget, and change their life. Here is an example of a couple who has done just that.

It's not been easy for them and there is no guarantee that they will qualify for a bank loan. The mortgage broker has made it clear that they will need a large down payment, need to keep working on their credit and will probably have a larger interest rate than someone with good credit and no BK.

It can be done folks, people can bounce back.

Monday, November 17, 2008

A Quiet Weekend In Which I Accomplished A Lot

For all intents and purposes, my weekend was quiet. Saturday was a grey rainy and unpleasant day. I did run a bunch of errands anyway-dump, post office, goodwill, library, and grocery store. I did treat myself to a pumpkin muffin and a fancy coffee at the new coffee shop one town over. They are an independent shop (not Starbucks or a chain) and I felt the need for a warm beverage after running errands in the cold and damp. I will admit it was really nice to sit in one of the comfy chairs, pick at my muffin, drink my coffee and stare moodily out at the rain.

It also gave me boost I needed to tackle my desk. One of my goals this year had been to go as paperless as possible. I have still not found an well priced multi page scanner as I had hoped. I had found one at Staples a few months back, but the unit I purchased was damaged and back to the store it went. Staples did not have another in stock and I was lucky to get my money back and not be charged the "restocking" fee. I have had a pile of papers and receipts that have been collecting in three neat piles on my desk for months. No excuses about this, time for it go away.

I made a mug of tea, put on the TV so I could listen to football games and attacked the piles of papers. I made new labels for my files, I re-organized my files, banking information, insurance information, personal information, fun stuff, work, continuing education, home, the new LLC ,etc. I organized my files for next years taxes. I had a pile of papers that I shredded with my neighbors shredder and then added the paper to my mulch pile. I think one of my neighbors must have thought I was mad, adding white paper to the mulch pile, but hey, it's paper and I added to the mulch pile that will not be used for the veggie garden (in case the ink on the paper was not soy based).

It was very cathartic to purge the pagers and streamline my desk. I like seeing the tidiness return to my desk and my bill paying area. It also made me realized I still have a lot of "stuff" to manage. Here is a partial list of what I have

Banking:

Personal checking account
Business account
Hobby account
Credit Union Savings Account
HSA Account
ING Account


Insurance

Home
Auto
Health

Retirement/Investment Account

Roth IRA
ING Sharebuilder

Loans

Mortgage
Student Loan
Car Loan


Yikes, even though I was aware of all of this, re-organizing my file cabinet made me even more aware of all of the above. I have not even touch on the home, hobby and LLC files that also got re-organized and worked on.

I topped off Saturday by meeting a friend for Pizza and Beer and then an early bedtime.

Sunday the weather dawned bright and clear and it was time to make the trek to the laundromat. I really miss a washer and dryer at the house. Even though I had pre separated and pre-treated my clothes at home, I still left some things that needed to be washed at home. I remembered when I was almost at the laundromat and said, dang it, they can wait. $18, 8 clean loads of laundry, and 2.75 later I was on my way home. I used the "down time" to call some friends I had not spoken to in a while. Not a total loss of time. The biggest upside to the laundromat, it that in two plus hours I can do all that laundry and have it washed, dried, fluffed, folded and put away. I used the sunny breezy day to air out my duvets. The feathers liked being caressed by the brisk fall breeze! I also made some fresh bread, made a batch of soup in the crock pot, and finalized my MUST BE DONE list for the house.

What has this got to do with personal finance. It's about taking some time to really assess where you are in your life and where you need to go. It's about taking a half an hour to scan your cupboards and menu plan for the upcoming week and plan your food shopping around that menu planning. It's about really knowing what is happening in your life and where you stand so an unexpected turn or surprise does not bring you to your knees. If you are working on savings or debt reduction plan, you need to be able to sit down every so often and just take some time to assess your progress and your plans and if need by, change what needs to be done with your plan.

I "knew" I had all these accounts, but until I sat down and re-did my filing cabinet, I had no idea that in the space of year I had acquired these accounts and I'm doing very little with them at the moment. I "know" I need to have some work done on the house, but now I really know what needs to be done. Part of my post BK filing promise to myself was to re-take control of my life on a number of levels. I've had to go back to square one in almost every facet of my life to get myself back on track. This weekend gave me the space to sit down and look at how far I've come, where I need to go and has given me some ideas on what I need to do. And that is a good thing!

Friday, November 14, 2008

The Upcoming Plan

I have done as I said I would do this week, not totally freak out about my reduction in hours at my full time job. I'm trying to look on the upside of this "temporary reduction". I have always wanted to go into business for myself or at least have a flexible part time and lucrative income. Out of adversity comes necessity. There is no way around this, I have to make it work.

I paid the following bills today: Mortgage, Student Loan, Car Insurance, Health Insurance, land line, and Electricity. I will have to pay in two weeks, my car note, car and health insurance for the month of December. I want to pay the health and car insurance early and get them out of my bill box.

Prior to the reduction in hours I was trying to find an excuse to duck out of Christmas this year. I have a small handful of people I usually buy presents for and I traditionally attend a number of parties and dinners (that I inevitably bring a bottle of cheer or contribute food to). This reduction in hours may be my excuse to really downsize and back out of some of these "obligations". Some obligations are non negotiable and I will be attending and contributing to, that is just a fact of life and will be taken into my December plan.

I have my first sale of the new batch of items that I posted on E-bay and Half.com. Yeah! I will mail out the package on Monday. One down, 15 to go.

I have a long and lengthy to do and to buy list for the weekend. My to buy list is mainly pantry staples and pantry treats so I can get back into the cooking swing of things and not shop for dinner in the frozen food isle (like I did last night). I've spent close to $50 in the past 10 days on semi ready meals and provisions at the grocery store because I've been a lazy git about my food preparation. Fifty dollars can buy me a lot of food at the Aldi and the Ethnic Market!

My new reduced schedule starts on Monday and the next couple weeks will be "full weeks' as I've picked up a couple shifts at the barn (thank god for vacationing staff). It's December I'm a bit worried about, but will plan as best I can. I'm feeling a bit more "springy" than I have in a couple weeks....

Wednesday, November 12, 2008

Maybe It's The Full Moon

or maybe it's the fact I am just tired of having my middle name be DOORMAT.

I got a call last night from the Ford dealership looking for feedback on my "recent visit and service experience." I gave the poor girl my feedback. I think she was rather taken aback by my response. I told her that I was happy with the repair and fully expected it to be done and done professionally, but was sincerely UNhappy with the up sell and subsequent condescending attitude of the employee who handled my paperwork when I declined the additional services. The main service manager was very pleasant, his underling was condescending. The dealership tried to sell me not only the oil change I originally went in for (and had the ABS light checked out at the same time), but a new fuel filter and a transmission flush and fill. My $30 oil change ended up with a estimated bill of $750 IF I had agreed to all their "suggested and much needed" services. I told the poor girl that the eye rolling by the technician in front of me was less than professional and that the up sell on the other services was more than a little irritating. Plus I can read the owners manual and the recommended fuel filter change was not until the 60k service, the car came into the dealership with 50K on it. I was nice, but very direct with my feedback to the young lady. I don't think she gets many people who give the specific feedback I did.

My check for last months second job work had not arrived by last week. The barn went on a new payroll schedule and I was expecting a check to be sitting in my mail box when I got back from my conference. It was not there. I called the barn and was told they had forgotten to cut me a check and I'd get the check in a couple weeks (the next payroll cycle). I told the barn manger who processes the auxiliary help checks that this was just not acceptable, especially since I did that work in the beginning of October and fully expected (as in the past) to be compensated in a reasonable period of time. Six weeks later was not reasonable. Again I was polite and professional, but I was very firm. I needed that check now. It was in my mail box on Monday.

I also ran into one of my "friends" this morning at the coffee shop. This was the supposed friend who did me no favors in my quest to find Poochie 2 a new home, in fact, she referred a prospective owner to someone else other than me. Supposed friend gives a pleasant greeting and proceeds to ask me a lot of real estate questions about an impending purchase she is making in another state, she is helping her daughter buy a house. And the purchase is not through me or my agency. Call me petty, call me vindictive, call me many things, but don't call me asking for advice on your purchase and sale of a property. Like in many businesses, real estate professionals do referrals if a prospective purchase and sale is really out of our jurisdiction. When this supposed friend needed some advice, I helped her out and asked that if she was serious about a purchase, please let me know as I would love to do a referral. I also gave her the contact information of several agencies. I was told yes, but the referral never came through. All I needed was the name of the agency and agent to process the referral. I was given a song and dance about how the daughter "found" the same agencies (oh my!) that I had given her. She would not be paying for the referral fee, it would come from the other agency. I know we had many conversations about purchasing a home in this market. I more than earned that referral, I did not get it for what ever reason. I did not forget that or the incident with the dog. And I found out about the prospective home purchase through the ever popular and usually reliable grapevine of gossip (remember that 6 degrees of seperation thing). Her explanation of why I did not get this referral was pretty much BS. At the time, I let the situation drop for a variety of reasons. When supposed friend started to ask specific questions, I politely cut her off and said, you really need to talk to your agent about this. Supposed friend was a bit taken aback and said the agent had not returned a phone call. I picked up my coffee and said, I really could not help at all, not my purchase or sale and I don't have a financial interest in the transaction, so I could not help. I smiled, said good luck with the transaction, and walked out of the door.

I had actually given this woman a lot of help and advice for her out of state transaction. The fact that she could not be bothered to do the referral really got to me. I don't need supposed friends or business acquaintances like this. I was polite, I was professional, but I was quite firm when I said Not my problem, use your own agent. I don't get paid to do other peoples work.

What has this got to do with personal finance? It's about sticking up for yourself and getting what you deserve, whether it's better service, a referral, a discount, a bonus, a lead, or what ever. In the past, I probably would have given in and waited the extra two weeks for the check, or spent the 15 minutes giving out free advice or not have spoken up in my own defence. In these tough economic times, we have to do what we have to do and not allowing one self to be used is an important concept. it's about asking for the lower interest rate, asking for the referral, asking for the discount, asking for the extension, asking for the business, it's about getting what you deserve. I may have lost a "friend" over the above incident, but this "supposed friend" has been less than honest on several occasions and I don't need friends or business associates like that. We all deserve better.

Tuesday, November 11, 2008

For Sale-Think Christmas Early!

OK, Here is what is for sale

Books (prices range from 75c to 3.00)

Jill Mansell-
Miranda's Big Mistake
Open House
The One You Really Want

Peter Mayle
Aquired Tastes

Jennifere Weiner-
Little Earthquakes

Stacey Ballis
The Spinster Sisters
Inappropriate Men

Jen Lancaster
Such a Pretty Fat

Monica McInerney
Upside Down, Inside Out

DVDs Prices range from ($1-$4)

The Break Up
Snatch-2 disc special edition
Casual Sex
Big-still in wrapper
Chicago
The Italian Job
Analyze This
Caddyshack-20th anniversary edition

If interested in any of the items, e-mail me and I can give you shipping information

What I Did This Past Weekend And My Plan For Going Forward

After getting the notice that my hours were cut I went shopping. Yes, shopping. I stopped at Target and spent $90 on "stuff". That sounds worse than it really was. $75 was on a new vacuum. I've had bad vacuum karma this past year and I finally decided to just buy a new vacuum. Cut hours or not, my current vacuum situation at home was getting desperate. I'd been borrowing my neighbors vacuum a couple times a month for a good deep clean and using my little excuse for a canister vacuum in between. It was just not doing the job. I walked into Target to get some toiletries, saw the vacuum on sale (I had also checked it out online first) and I snapped it up and dropped it into my cart. I had been planning on buying one this upcoming weekend, I just pushed the purchase forward by a week.

I know am the proud owner of a vacuum that has sucked up more dirt and dog hair than I realized was still in my carpets. I have a cleaner and fresher smelling house. I truly feel a lot better now that I can vacuum at 2 AM, really I do. Just so you know, I also like to iron. I iron my pillow cases.

I also made some phone calls and picked up about 5 days of "extra work" at my second job, some of it is on weekends, some of it is on weekdays, it's piece meal, but it's extra work. It is a help right now.

My boss has not sat down with me to go over my new schedule. I really need a schedule so I can find ways to make up my cut hours. Part of our discussion last week was that I agreed to the temporary reduction in hours provided I had some flexibility in setting up a schedule, which he agreed to. He is out of the office today and tomorrow, so what I'll probably do is set my own schedule and give it to him. What I don't want to do is have to work 5 days at abbreviated hours, I'd prefer to have at least one full day off during the week if I'm going to be working on the weekends. This will give me a full day to run errands, schedule doctors appointments, get laundry done, all those fun things.

I have made the decision to not make myself too crazy this week about the change in my work schedule. I was getting really bitter on Sunday about that and some other stuff that has been going on in my life. I have some ideas floating around, I'm keeping my ears and eyes open for other opportunities, but I'm not panicking and trying to get this all sorted out NOW. I think a little "off time" this week will do me a world of good. I have some books and dvd's to go on half.com or e-bay, I'll list them this week. I'm going to finish the redecorating of my bedroom, I'm going to really clean and organize my house (Fall Cleaning or Spring Cleaning if you are in the Southern Hemisphere!), and then I'm going to sit down and write out the things I need (personal, home, work, car) and the things I want, look at my budget and take it from there.

Without crunching all the numbers, I should be able to meet all my fiscal obligations with the reduced hours. No extras or very very few extras, but I should be able to meet my fiscal obligations without having to dip in to my E-fund. I'll double check all that this weekend as well and make sure I don't have any surprise bills in the near future.

Monday, November 10, 2008

Bouncing Back Just Got A Whole Lot Harder

I've not had a good couple weeks. First the $400 car repair, then craziness at work, then some craziness at home and finally, more craziness at work.

My business is directly affected by the economy. And now it's affected me. Because of a sharp downturn in our business, my work hours have been cut. Yup, cut. I'm not happy about it at all. Not happy because for the past couple months, we have been working like little crazy people to attract new business and work with existing clients. Just to keep it simple and straight, that strategy did not work and we did not get our new business and we ended up losing a couple clients as well. Then yet another closed door meeting and me getting lots of information for the powers that be for said meeting.

I was told my "work was valuable " to the company, and this is a "temporary reduction in hours", but non the less, still a reduction. I now have about 12 hours a week I need to fill with gainful employment. Sigh.

A couple things have run through my mind the past couple days. One, I am grateful I still have a job (at least for now), Two I am grateful I am able to keep my health benefits and Three I am kicking myself for some less than smart spending on my E-fund, but grateful that I still have an E-Fund.

What's going to happen next? I have to work out my reduced hours schedule with my office, I have to find out when it actually takes effect (this week, next week-my boss was rather ambiguous about the exact start date). Today, the only upside to this whole thing is that maybe this will force me to really get creative with my "plan" to work for myself or to get creative with alternative income sources. There are lots of downsides to this, but I just don't want to write about them today.

Just for giggles, here is what my favorite on line astrologer had on her web page today.


Monday November 10 – Moon into AriesMoon Meditation:

“Sassy wins the day…”

The Sun links first to Uranus and then to Saturn over the next 24 hours. If you’ve just had a big change in your life, today’s going to help you to take it all onboard and start to inculcate the ramifications. Which is a multi-syllabic way of saying we can all now start to get more used to some of the changes in the air (and I’m not just talking about the US presidential election, but you can bet Barack Obama’s really sucking up the change and acclimatising himself right now!)

Friday, November 7, 2008

Updating the Blog Roll

I'm going to be updating my blog roll next week. Some folks have stopped blogging, some have changed URL's, some have gone private. I'm happy to put your blog on my list, just leave me a comment and I'll update next week.

A Contest at Today's Budget

Check out the contest here.! You could win a card to Target, Borders or Amazon.com!

Good luck all!

Just Really Busy This Week

And I'm also stressed. We've been busy at work. Lots of meetings, lots of planning and strategy sessions, lots of communication with clients, lots of closed door meetings, lots of phone calls, lots of Betty I need this report redone NOW! Yikes to say the least.

I'm not sleeping well and eating well sort of went out the window. Does rice with salad dressing count as a real meal? I did make some adequate soup the other day, froze some, have some for meals. I am just tired. And I'm working the second job this weekend.

I've been MIA at the gym for a couple reasons. The main one is that I let my trial membership expire due to the changed work schedule. The other is I've just not gotten back to the gym to renew. I was assured that I would not be charged an initiation fee when I 're-join'. I do hope that is the case. I really miss "my time" at the gym and the routine of cardio, weights, quick shower and a sauna. The physical benefits are great, but the mental ones even better!

I did go to a conference last weekend and it was glorious. It was in a warm and sunny place. The conference went well, I had a great dinner on Saturday night with some really nice people, I shopped only a little (and bought two holiday gifts). The best part is almost the entire trip was paid for or reimbursed by work for me. I had a check in my hands two hours after submitting my travel/expense form. The other upside was I went to bed really early both Friday and Saturday and SLEPT- a lot. And took a nap on Saturday. And slept on the plane.

My animals are feeling really neglected and my one dog showed his displeasure by chewing things he should not have chewed. Oh yeah, he also decided it would be fun to "mark" on my couch and my bed. To mark means to pee. I was really annoyed last night. I got home, he was loose and he "marked". I almost lost it. I had to pack up all the laundry and bedding and find a laundromat that was still open. I did make it to my regular place, but they have changed their hours, closing an hour earlier. I did get everything washed and most things dried (my down pillows are going to have to be re-washed and re-dried). I did end up spending about $25 to wash, dry, fluff, fold everything in the large commercial washers. Not exactly the way I wanted to spend my Thursday night, but there ya have it. Tonight I tackle my ironing pile....

Wednesday, November 5, 2008

Why I Read My Supposed Junk Mail- I got Slammed by my Own Phone Company

It's not because I have some sick fascination with letters, it's because many times legitimate letters and bills can be disguised as "junk mail'. Like the letter I got yesterday from Sprint welcoming me as a 'new long distance customer".

New customer? I don't have long distance phone service from anyone. I had it turned off about 2 years ago when I discovered that I got better rates using a calling card for my inter and intra state long distance phone calls. The basic Sprint fees alone were $7.99, less any usage charges. For $8 a month, I get something like 300 minutes of talk time on my calling card. I really don't use my land line all that much. 300 minutes of talk time can last me a very long time,like a couple months.

I called Sprint ASAP and they told me that my local carrier, ATT, set up the long distance. I did get Sprint to cancel the account, telling them that I never authorized any one to set up an account and I sure as hell did not and would not be responsible for any charges. I then called ATT and sat on the phone for 30 minutes while the "customer service" agent insisted I set up the Long Distance service. I told him that I never did, I used a calling card, and my last Long Distance company was MCI. The customer service agent said if I dialed Long Distance on my phone, I'd be using Sprint, unless I had all Long Distance turned off. I sighed and said, Yes, exactly, I can not dial ANY long distance inter state or intra state, I HAD the Long Distance turned off, you, ATT have without my permission, signed me up for Sprint Long Distance. I want a block put on my line. You, ATT, have slammed me. If you are not able to put a block on my line, then lets get a manager who can. It's very simple, I don't want ANY long distance service unless I call in to authorize it.

I was not in a mood to deal with ATT. I've had to call them several times and each time it was a miserable experience. First, they wanted to sell me all sorts of calling plans and services I don't want, and then they want to know why I don't want these "fabulous" plans. I guess they have a hard time understanding the phrase-No, I'm not interested. Their revenge-to slam me!

The funny thing was the last time (like last February) I called ATT I was assured that the notation on my bill stating Sprint was my chosen carrier was a default statement and I was assured I did not have any Long Distance Carrier.

I'm not happy with the waste of 40 minutes of my time calling Sprint and ATT. I know I had a block on the line to begin with and pretty much, ATT over rode the block as a 'service' to me it's 'valued' customer.

The lesson here is even though that envelope may look like junk mail, you do have to take a few moments to open it and read it through. Had I just glanced at it and tossed it in the recycle pile, I would have had an account and related fees I never authorized or wanted.

Tuesday, November 4, 2008

To All My US Readers-Rock The Vote!

I'll keep it brief. If you are a registered voter in the USA, please exercise your right to vote and vote for the candidate of your choice today!

Wednesday, October 29, 2008

Is It Winter Already?

We had snow last night in my area of New England. Not a lot, just some flurries and it was sticking to the deck at work. The sun has come out and it's melting, but sigh, I really wish it did not snow soo early in the season.....

I am sticking to my plan of not watching American National News. It's been blissful. I turn on my local news to get the weather, then I turn it off. As I said before, I can pick and choose the news I want to watch via the Internet. I'm not being oblivious to what is happening in the world, I am just being selective.

My Escape is in for it's ABS tone ring repair. I'm not thrilled to pay a $410 (with tax) repair bill, but it is what it is. I did my research and hopefully this type of repair won't crop up again in 20,000 miles. The Ford Escape forums were very helpful.

I just don't have a great vibe about this dealership. I have this feeling they were a bit put out that I did not cave in to their pressure to have extra service done to the vehicle. They also are trying to up sell folks on various additives for the various car fluids. I'm not buying that up sell. I did speak with my own mechanic and he quoted me a price a bit less than the Ford Dealership and did confirm that the Escape can have this particular repair. The difference in price was about $50 and I'd prefer to have the $50 in my pocket instead of Fords, but I really wanted to see what the dealership was like. Regretfully, it's nothing special and the up sell attitude does not make me want to go back for even a regular oil change.

My old Saturn dealership and repair service was great. I never got an up sell, they had a nice customer lounge and I got a complimentary car wash and vacuum, even with the oil change. If I had to fork over a lot of money, at least I had free coffee, tea and donuts to placate me!

Monday, October 27, 2008

What I'm NOT Doing

I am doing so many things right now that I feel just turned upside down. I'll right myself in a bit, I know that for sure, but here are two things I have decided to do to help do this:

I will not watch ANY American Evening News show for the next two weeks.

I will not obsessively log into my Roth IRA account to check it's "status".

As far as I can tell, the news all about the doom and gloom on Wall Street, the doom and gloom in the economy, the doom and gloom in the world and the upcoming US election process. Thanks to the Internet, I can pick and choose the information I want to keep up with. I like being informed, I don't like being inundated with nothing but bad news. It's bad enough my boss is obsessing about the Dow Jones Industrial Average (currently it is up 177, good considering the European and Tokyo markets had a hit today). I don't need to have it thrown at me every time I turn on the radio or TV.

It's times like this I wish I had cable so I could just tune out to HGTV or some other cable channel.

Yes, I am concerned about the economy, my full time job depends on a healthy market and my part time job in real estate depends on a healthy market. But what I am trying to avoid is this overwhelming feeling that my world is coming to an end because of this economy. I know I probably should not have dipped into my Efund as much as I did the past few months (damm those hobby expenses I tagged emergencies :) ), but I don't want to continually kick myself for those past decisions and fear what may happen to my future because I spent $200 on hobby expenses. I did it, I've moved on.

What has this got to do with personal finance? It's about taking a deep breath, looking at the spending plan, and not freaking out. It's about calmly planning a head. It's about skipping a movie night in favor of a rewatching an old DVD night. It's about making do with the food in the pantry (which is more than adequate) instead of stopping at the grocery store to "make a meal". It's about dusting off those old sewing skills and fixing buttons and holes in pants pockets. It's about not having a panic attack and taking it one day and dollar at a time.

A Lot of The Chores Did Get Done

It was a good weekend for me. I ended my string of no spend days by spending sensibly-new bottle of fabric softener, the last few painting supplies, a new curtain rod-RESISTING the impulse to buy "stuff" that I wanted, but did not need, did the laundry, did a dump run, got to the bank, post office, roasted a chicken, everything I wanted to do, except the library.

Painting my bedroom was a bigger project that I first thought it would be. You would think living in 450 sf of space this would not be an issue, but it was. I had to take everything out of my bedroom (less the bed and dresser) and put it in my living room. I got a late start painting and ended up shuffling items around to make a space for me to sleep on my small couch.

I painted my room a deep dark purple blue called Stained Glass. I really like it! I still have to do the trim work (yeah should have done that yesterday but did not), but the room looks sooo much better. Last time I painted my bedroom was when I moved in to my house 8 years ago. I will rehang curtains by the end of the week. Because of a home improvement project gone bad a few years ago, I had to do additional wall prep on two walls. That took time because I also had to use a special primer and wait for it to dry. I'm happy with the results and my next project is to install some laminate flooring. I have this picture in my mind what I want the room to look like and it is FINALLY shaping up. I forgot to buy some trim paint, but have decided to use up some paint I had for another project. The white paint won't be as bright as I would like (Behr High Gloss Ultra Bright White) but it will be fine and I'll be saving some $$$. Cost to date for the bedroom redecorating project is $40-paint, painting supplies, two new curtain rods. Projected cost to complete redecorating project, about $400 for the laminate flooring, underlay, and a few tools and supplies I don't have that I will need to get the job done.

I also did a bit of decluttering while doing the painting project. I sorted through my books and have set to drop off at Goodwill about 8 books (I have a problem getting rid of books, even ones I don't use anymore), I had two wall lamps I got from Ikea that got sent to Goodwill as well. The shades crapped out and I could not repair them. In today's disposable society, the shade repair/ replacement was the same cost as a new set of wall lamps. Since I have no plans to put the lamps back up, Goodwill got them. I simply don't have the storage space for those items anymore. I purged some pillows and some clothes as well. I still have a problem purging possessions, I'm getting better and it's easier to do, but I know I still have a long way to go.

The down side to all of this was I took advantage of the great weather yesterday to rake some leaves off of my patio. My patio seems to be a leaf magnet and I had extra large piles from the storm on Saturday and natural leaf drop. I tried to be Gloria Gardener yesterday. I ended up breaking not one, but both of my leaf rake handles. Both broke in the middle of the handle. I swore a bit and then decided it was the Universe's way of telling me to not be Gloria Gardener and to sit down and enjoy some warmth and sunshine and the dogs.

The upside was it was a very cheap weekend and I did get to a lot of my "to do' list without feeling like I was run off my feet.

Friday, October 24, 2008

The Alternative Income Sources

I technically have two real part time jobs. One is working as a groom at a horse show barn, the other is I'm supposedly a real estate agent. I do have my license, but I have no clients and my real estate office has been dead quiet. Even the agents I used to help by doing admin work are not calling me, they have no clients and thus no income and unable to pay me. Those $20 and $30 little quick jobs were nice mad money in my wallet (movies, nice bottle of wine, spare cash).

The real estate gig is disheartening. I knew it was going to be slow going, but this whole economic down turn has made real estate a non existent second job. I've already decided to renew my license and associated fees for next year, I'm hoping things will take an upswing, I'm not holding my breath, but I have this gut feeling I need to keep my license active.

The barn/groom work is winding down for the late fall and winter. The school kids are involved in school sports, the shows are fewer and being held in indoor arenas (and I'm allergic to the horses, hay and indoor dust, ACHOO) and not as many people compete in the winter. I have a shift scheduled in two weeks, I may be needed one more time between then and Christmas. It's gonna be a tight second income month come December.

My other part time gig is photographing houses for mortgages companies. Again, given the state of the economy, not a lot of mortgages or re-financing happening. I picked up my first photo opportunity since the beginning of September. I earned $950 in 2007 doing that work, and I pretty much have earmarked any funds earned by doing the photo shots for my Credit Union Emergency Fund.

I'm looking into ways to diversify my income stream. I've not tapped into any advertising options for my web site (other than ad sense and the odd pay per post), I can probably do that. Just make the time, sit down and get the income stream moving.

Oh well, I'll keep trugging along!

Maybe I Will Get Some of Those Chores Done

I've been stupid busy the past two and a months on the weekends. I've been at my second job, I've been doing hobby stuff, I've been visiting elderly friends, I've gotten some volunteer stuff out of the way.

THIS weekend is the FIRST since the middle of August that I don't have to travel, or have any obligations to anyone other than myself. Bliss. I can sleep in both Saturday and Sunday, I can go to the public library and get some books and DVD's. I can make a roast chicken, I can tackle parts of my ongoing to do list that are making me crazy when I look at it.

My plan is to run my errands on Saturday morning (including the ever fun trip to the laundromat and spend $20 on laundry), go home and then not get into my car until it's time to drive to work on Monday. The only exception to this no drive rule will be if I get my arse in gear and do a serious decluttering on Saturday and must go to the dump/goodwill on Sunday.

This weekend freedom is short lived. I am going to a conference NEXT weekend and then I've picked up a day of work at my part time job (I need the money, I'll take the shift). It may be my last shift until after the new year.

Wednesday, October 22, 2008

Paying for The Car Repair

The car will go into be repaired next week. I'm going to use the money I earned this month in my second job that is normally earmarked for the car payment, it will go towards the car repair. The excess will come out of my emergency fund.

A year ago this would have brought me to my knees. A year ago a transmission repair to my old car did exactly that, floored me right in the middle of my BK filing and emotional meltdown. That repair used up all my "excess" cash I had at that point and sent me to bed for the weekend.

This year is the slightly new and improved Bankrupt Betty. I have money in an emergency fund for just this reason. This is an unexpected repair, not a regular service that should have been budgeted for. I've not been as good as I could have been in funding my E-fund and I've dipped into it for some "non emergencies" but I do have the funds there to cover this repair. It's just a matter of me getting the car back into the dealership for the servicing.

This was also a little bit of a wake up call for me to not dip into my E-fund unless it's a true emergency. I slacked off a bit these past few months. Time to grow back up and refund the account and keep it for it's true purpose! An emergency!