Ok, I know every year family members and friends who have children that are going to be graduating and I plan for that. What had gotten me this year is neighbors who we have a ok relationship with but not the kind I would expect it to be to get a graduation announcement. But now that we did get one, it's another $30.00 and a card. I'm happy for their child but really! What would you do?
I got a part-time job and someone to watch my elderly mom while I work. I am paying a relative $100 a week to watch my mom for approx 24-28 hours each week. Mom doesn't need much help so it's a pretty easy gig. I love the job. It's for a non profit and the staff there is great. I will most likely only bring home about $500 a month after paying for mom's care but that $500 we did not have. I have been so positive lately I think I have attracted good things all around me. I think I'll keep it up.
I have been taking care of my mom since her stroke one year ago. I have to take a break from this so I started looking for a part-time job. I have interviewed for one that I would love to have. I should know in the next couple of days if I am going to get it. Now what to do with mom. I don't want to pay so much for a caregiver that it will cost me to work. I usually just turn it over to a higher power and see what happens.
I have had my mom's home listed for sale by owner for about three months. Currently, my BIL is living there and paying rent. He really wants to purchase the home along with his girlfiend but there credit is not that good. He has asked my MIL to go to the bank to cosign with him. I'm not so sure that is a great idea. MIL is 84 years old owns her homes gets a pretty good pension and has money in the bank. The house and the lot are only 60K and I guess if he gets mortgage insurance it will be ok. I just hate to see her cosign with anyone for anything but again, I would love to see my BIL get the house.
If you did not graduate high school did you get your GED (general education diploma). I am coming out - I am 54 years old and did not complete my senior year, did not get my diploma and did not get my GED. Why am I telling everyone this? I have finally withe the support of my family started my testing to obtain my GED. I have been a office professional in the work force for over 30 years and made over $40k without it. Why now? It is somehthing I am going to do for me. My plans right now also including starting college after I obtain my GED. Wish me luck.
My 80 year mom has been living with DH and I for close to a year now. She is not ever going to be able to go back to her home. I have talked it over with her and we are now in the process of trying to sell her house. It is 54 years old and is in need of some cosmetic work on the inside. Only asking $61,900 for a three bedroom house and adjoining lot. Have posted on Craigs list and also put a sign out front and let the Mayor of the city where she lives know that it is for sale. Today got second e-mail from a interested party and also a call from a City Council Member. Hopefully it will sell. With the money I would pay off a home equity loan of $48,000 and take my children and grandchildren to Disney World on a family vacation. I know the Disney trip is not the best thing to do in these financial times but somethings have more value than just the money spent on them.
My DH has a childhood friend that we see every three our four years. This friend has lots of issues with (past) addictions. He called my DH last night and said he had been hurt and could DH loan him about $10.00. This is the first time he ever asked for any money. DH went by the place where friend is living and he said that friend seemed pretty wasted but he gave him money anyway $20.00. I think it is going to go for drugs but can't be sure. I know DH will not give him anymore but felt sorry for him last night. Friend is 50 years old and is never going to get it together. Torn between waiting to help but not enable.
You just never know where and when you will find something where you least expect it. My six year old grandson wanted to visit a museum and there are none in our city so I told him I would take him to a "museum" like place. It was a antique/flea market. Well, he did enjoy himself just seeing lots of old things that I could tell him about their original use. While there, I found a package of adult (Depends) diapers that were $4.00 for 30 of them in the original package. Since I normally pay $20.00 I jumped on this bargain. You just never know..........
on February 8th I purchased a container of tomatoes at a Sam's Warehouse Club near my home. When I went to use the tomatoes two days later they were all covered with mold. I did not want to take the rotted tomatoes back to the store with me so I took them out of the container, took color photos of them and also of the container and today went back to Sam's to get a refund or more tomatoes. Was told by the clerk that I needed to bring the rotten/molded tomatoes back to the store with me. I asked to see the manager who also explained that while the picture showed the problem and the picture of the container showed the bar code they still needed to have the tomatoes in the container so they could write the information down in their book as bad produce. I advised I was not in the habit of traveling around with "bad" produce and she did let me have more but was not real happy. Next time, I'll know to return the bad food and I will.
Today, I returned a couple of items to TJ Maxx and Hobby Lobby. These were home items that I had changed my mind about. Normally when I go to return something, I end up buying something else. Today, thank goodness, I spent time browsing, picked up a couple of things but put them back and did not buy anything. I know I should just stay out of the stores unless I need something but it was still a victory for me just not to purchase while there.
Today was one of those days. One of the caregivers for my mom gave me four dollars from some items she had bought at a yard sale almost four months ago. I had forgot it. How nice that she remembered. Finally sold my mother's car for $300.00. It was a 1988 Oldsmobile that got her where she needed to go. Since I am now her caregiver and it is a given that she will not be driving anymore due to her health. I finally decided the tires were going to rot if it sat any longer. My BIL bought it a paid cash. I found four more dollars in a wallet I had forgotten about. I was looking at some very expensive car repairs yesterday when it turned out what was going to cost $500.00 only ended up costing 77 cents and the dealership did not charge for labor. Sounds like bragging but really I am so glad that things are working for us instead of against us.
I thought I would start the New Year out by not spending any money but that was not the case. However, not all spending is bad. Dillards had a hugh sale and I got a pair of high heel shoes for $23.70 the great thing about these shoes as they are great quality, originally cost $100.00 were on a half/half sale hence the cost. Black is the color so they will be great with any thing. Also bought a jacket that I have had my eye on for two months. Beginning cost was $49.00 with my cost after waiting for it to go on sale was $15.00. Fossil wallet for me that started out at $44.00 and my cost today was $11.00. Some Sleep wear originally $36.00 down to $8.00. I love a good sale. All the items I purchased were things I needed but I never and I mean never pay full price anymore. Does anyone? No shoppers remorse or me today.
Today I gathered up all the items from Christmas that did not fit or were unwanted and took them back to Wal-mart. The store was able to put $107.00 on a store gift card which was fine with me as Wal-mart is where we buy our groceries and gasoline so the card will get used. It was funny though to see people in line getting angry about items they wanted to return that either were not purchased from Wal-mart, had been used and I mean used quite a bit or just not returnable in general. I guess people think that after the holiday Wal-mart will take back anything and is not always the case. Anyway glad I had receipts or at least the price sticker still on the item so it was not a hassle for me.
I was a hard decision but one I felt I had to make. My mother had a stroke January 2008. She spent three weeks in a rehab facility and then was moved to a nursing home where her Medicare would pay for 110 days of additional rehab. The nursing facility was less than one mile from my office so I was able to visit her everyday at lunch and then again right after work. I am an only child so while her sisters and my daughter were able to visit her some most of the visits fell to me. After losing my BIL to suicide less than one year ago, medical problems that I was recovering from and a co-worker that was out with medical leave I was feeling major stress. When my mother was set to be released It had come time for me to decide her future. She is only 79 years old and while she had recovered somewhat, I was told that she would not be able to live on her own again. I had been at my job for close to 20 years, had a good retirement plan along with a 401 k plan. It took both mine and my husbands salary to live on. What to do, what to do? Since my mother did not have any long term care insurance in order for her to continue to stay in the nursing home she would have to lose all of her money and then apply for Medicade and possibly lose her home which would be her only remaining asset. After discussing all of this with my husband and my mother it was decided that I would quit my job, move mom into our home and I would become her caregiver 24/7. My mothers Social Security income plus a little retirement that she received would replace my take home pay. I thank God everynight that I was able to make this decision. It is when you have to make a decision like this that you realize that nothing at all is important than your loved ones. It has been a tough week and I am so tired but I love my mom so much. My husband is the best for supporting me in this decision. We may end up losing some of our things if we have to cut backbut it will be worth it.
What a strange title for a savings blog. This is more of a what is really important entry. My darling mom is trying to recover from a stroke which will be one week tomorrow. She had moved from her home of 54 years to an apartment the end of November in order to be closer to my 100 year old grandmother and so I could check in on her more. She was doing great and very content in her new place when the stroke occurred. While in the hospital and eating only pureed foods, I was sitting by her bed and was eating my lunch of carrots, celery and ranch dressing when she looked me in the eye and said "I want some celery and ranch dressing". The way she said it, made me realize that to her at that moment that was all that was important in her life. Wouldn't that be nice if we could be content with simple vegetables. Would I give up my large home, big screen TV and other expensive treats for a more simple life? That is what my Dh and I are working on now. Will have to wait for home sales to change to put our home on the market but our future is going to be a simple one. I guess I could call it the celery plan.
God Bless my dear momma.
My plan this year is to track every dime that I spend. In the past, I always felt that I had a good understanding of where our money was going. Eating out was Killng us financially and health wise. I did eat out today with a very good friend that I was unable to dine with during the holidays. Even though I ate out, I feel I still made progress. I ordered from the lunch menu - soup and salad, I had water instead of a soft drink and still stayed within my eating guidelines for my health changes. I know how important it is for me to leave a tip and I always do tip but it sure makes me want to eat at home - perhaps serving myself, I should tip me and put that money aside Besides the eating out, I also found a pair of hard soled slippers for my 100 yearold grandmother. I ordered them online from Cabela's and the tota cost was $19.83. I have been looking for a deal on them for a few weeks. I am going to have a no spend day tomorrow for sure.
I know the title may be a bit misleading but the list I am making and checking twice is not a Christmas but my list of things to change for the New Year. In the past I have talked about changes I was going to make but I never really made a plan for the changes I wanted to make. Now, I know you can make changes at any time so why wait for the new year? I guess it just seems easier to plan a certain date and work from there. Doing better with my finances is certainly up near the top but in listing my plans I am finding that I must concentrate on some other things in my life before my finances can really fall into place. 1) My doc just told me if I don't lose 20 lbs in the next six months I am going to have to take meds for high cholesterol. Now the way I can tie this into my financial goal is that I must quit going out to eat at lunch time. Fast food is going to be out of the question. Another benefit is that I will be saving gas by not doing extra driving since I will be staying inside at my office during lunch. My finances would be effected if I have to start paying for a prescription for meds. 2) Make more meals at home - hum - ties into the number one goal. We do spend alot of money on going out to eat. No more bad food at high costs. 3) Exercise another financial positive - I will not be spending money on new clothes as our office recently went to a more casual dress and I now can wear jeans to work - just get the weight off and I have plenty to wear. As I look at all of the goals I wrote down - did not put them all here I can see how each one will relate in some way to becoming more secure with my finances. I wish everyone the best for the remainging 2007 and an even better 2008.