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?
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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.
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 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.
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.
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 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.
A call from sil two days ago and brother is dead. He shot himself in the garage of his home. He left behind a loving wife, 10 year old step daughter that was crazy about him, two 20 something daughters and three precious granddaughters. You may wonder how this belongs on a financial website.
He had recently lost his job and like many of us on this board was in debt for things and could not see a way out. Even with the support of his wife it was going to take selling many of the things that were important to a certain lifestyle. We are only talking about the middle class keeping up with the Joneses' but nevertheless it was due to feeling that he had to maintain a certain lifestyle or his brothers and mom might consider him a failure. While this is not how we would have felt at all that was his feeling. He will be missed by everyone who life he touched. He was not a old man by any means but going to be 50 on his next birthday.
How this as opened my eyes. After we return from the memorial we will be selling everything that we can - items of extravance, diamond rings, big screen tv's, home three times the size of what we need for two people. I cannot let his death be without any meaning and neither can my dh. Perhaps not the best reason to downsize but finally the slap in the face we need to make some serious changes.
Any one who reads this that may be having the same feelings of hopelessness that he did, please talk it over with some one. Your loved ones will not be
better off without you.
Make some serious changes now. Don't live to impress anyone.
Please say a prayer for our family as we try to heal.
It seems like I have no problem making clothing purchases or things for the home but recently and good friend and neighbor convinced me that I needed to do something just for me. My choice has been to have my hair done every six weeks this cost around $80.00 each time but does make me feel good. I also have started getting my nails done every two weeks with a pedicure every three weeks. I know there will be some imput as to what a foolish expense this is and I really can't agree with you more. I have found that this makes me feel better about myself so as long as I can work it into the budget I am going to continue. What do you do for yourself?
Yesterday was spent with the little darlings (grandsons). So DH did not play any golf and it was such a lovely day. He planned on playing today but guess what - it's has been raining all day. Our friend invited us to him home this afternoon so the ladies could visit and the guys could all play pool upstairs. We went to the grocery store and of course DH wanted to get a little somthing to take to the neighbor's home to snack on. He was going to buy two bags of chips (2 for $5.00) but when I pointed out that everyone would be bringing something to share and we did not need an extra bag of chips at home he agreed and got only the one bag. I am so proud of him that he is trying. H
I had a less than par meal at a fast food restaurant a few weeks ago and so I e-mailed the corporate office. I then heard back from the local restaurant manager who said he was going to mail me a $10.00 certificate for a free meal. He sounded so sincere that when I did not get it in the mail, I worked up the courage to stop by the restaurant and asked to speak with him. I get upset when anyone makes a promise and does not keep it. He was very nice and told it has been mailed out the same day that we spoke on the phone. When I told him that I had not gotten it, he actually right then and there gave me a gift card for the meal. Lesson learned: you never know until you ask.
I am loving this system. I was spending so much money on going out to eat and snacking. We were trying to save but could have done better. I set up the envelope saving system on excel and have been tracking everything and also set up out budget on it. Husband has gotton on board by staying within the spending limit. Instead of gassing up our vehicles to full we are both only spending $30.00 each time we are on empty. Better way o keep expenses in line. We have also alloted money for each catagory which I had tried to do before but had really not kept track. My DH just goes along with whatever I want to do so that is great help. I started eating breakfast at holme a homemade muffin and glass of milk instead of buying my usual breakfast at Hardee's and a large coke. It feels good to know I am no longer wasting money. We also have a category for for gifts and entertainment, liquor, you name it, any money that we are spending now goes in a category. Now I can really track our non-food items which were a killer. Wish us luck.
Ok, I know we need to be saving money but I bought this product for my grandson who just had his 4th birthday. I got it at Target on sale for $59.00 and it is the best gift ever. It is very sturdy, easy for him to use and he has been taking pictures of everything. I have never seen a child so excited. It is a digital camera that will hold 60+ photos and they can be uploaded to your computer also. If this is the only gift you can afford to give your child or grandchild for birthdays or Christmas it is well worth it. All my coworkers and friends who have seen this camera are in the process of buying it. Guaranteed to be one of the "hot" gift items.
I am actually excited to be working on budget this month. My son and daughter-in-law have been working on their debt by using the envelope system. While I have a lot of automatic payments I am using a envelope based system with my Excel program. I did not fill up the car with gas but only put in $30.00 which is what I had alloted for gas using this system. Normally, I would just fill the tank and not even think about the cost. It nice to see where our paychecks will be going instead of the ramdom spending we normally do.
I am a pretty good saver until it comes to my little darlings. The older grandson just turned four years old and we are having him a party in three days. Target has been seeing me alot. I just have the hardest time not buying him things. He is always so appreciative just full of thank you's It sure makes it easy to buy for him. State taxes are due in October along with car tags and yearly golf cart fees. I just thoughtAugust was a hectic month. Of course, I felt like I had to to buy a small gift for the one year old. Is love going to keep me in debt?