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Archive for October, 2006

CC Payment

October 31st, 2006 at 11:25 am

Just made a payment to my regular CC Debt. Big Grin


Previous balance: $4,369.74
Payment 10/31/06: - $704.13
----------------------------
New balance: $3,665.61


Debt Tally

$9,054.08 to Mom
$3,665.61 to credit cards
$1,335.40 LB CC
$327.20 Medical CC

Total: $14,382.29

(Back under $15,000! Big Grin)

Cheap Recipes #1: Rice and Beans

October 31st, 2006 at 07:19 am

A new poster asked for cheap recipes, and I thought...what a great idea...let's start a category for those!

Anyone who wants to contribute, please do and I'll add them as a new post with credit to you! Thanks Smile


Rice and Beans:

2 c white rice
1 16oz can pink kindney beans
1 8 oz can black beans
2 green peppers
chilli powder to taste

Put cooked rice, beans, cut up peppers (uncooked or cooked in a skillet first, your preference) into a large pot and heat on low for about 10 mkinutes. Stir in chilli powder to taste.

Since I always have white rice and chili powder on hand, all I need to do is buy the two cans of beans, and the peppers, which is about $4.00 together...and I easily get about 4 meals out of this. If I'm feeling rich on a special day, I'll add in some cooked ground hamburger or turkey, or even some "fake" meat from BOCA...depending on which is cheaper.

Enjoy! Smile

$0.12

October 31st, 2006 at 07:03 am

Last night after work I stopped by the grocery store to pick up some chicken and tomatos for the pasta dish I was cooking. So, I'm going along, "doo doo doooo" minding my own buisness and I go to checkout. I use one of those new self-checkout lanes (love those!) and after I'm done, I am waiting for my receipt to print. I look down at the coupon printer, and what do I see?

$0.12!!

Someone apparently though they were too good for the dime and two pennies and they left it sitting there, next to the printer. What did I do?

Grabbed that $0.12 baby! Hell, I'm not too good for $0.12! I pick single pennies up off the sidewalk, I'll defiantely grab someone's leftover change!

Whoo-hoo! Big Grin

Expected Income

October 30th, 2006 at 10:24 am

Money I am waiting on:

$293.76 work travel reimbursement (in paycheck 11/17/06)
$103.78 medical reimbursement (by 11/07/06) ***RECIEVED***
$125.95 medical reimbursement (by 11/14/06) ***RECIEVED***
$241.27 medical reimbursement (by 11/14/06)
$10 medical reimbursement (by 11/14/06)***RECIEVED***
$10.00 check from surveys (3-6 weeks, by X-mas I hope)
$10.00 check from surveys (3-6 weeks, by X-mas I hope) (Yes, this is a second check I am waiting on Smile )
$350 bonus (??? Are they doing that again this year; around Turkey Day)
$768.00 extra paycheck in Dec due to how the weeks fall.

$52.08 my sis owes me (hopefully by November 17th)***RECIEVED***

Total expected in November: $876.84
Additional hoping for in November: $350.00
Total expected in December: $768.00
Additional hoping for in December: $20.00

Total Waiting on: $2,014.84

Spending it...

*Travel expense check will be split: $100 into EF Savings, $100 into CC Savings, and $93.76 onto Medical CC (to help pay for the coat)

*Medical expense checks go straight onto the Medical CC

*Survey checks go into the $20 Challenge/EF Account

*Bonus will be for the cross-country drive I am (hopefully!!) making in December.

*Money from Sis will also go towards the cross-country trip in December.

*Extra paycheck will be for X-mas shopping. NOTHING is going on the CC's this year!

Meds CC Numbers Update

October 30th, 2006 at 09:31 am

OK....just a list of my Meds CC Activity to I can keep it all straight in my head. Smile

Previous Balance: $200.30
Charge: + $19.98 (BLC)
Credit: - $19.98 (BLC)
Charge: + $65.16 (meds)
Charge: + $19.24 (CVS pharmacy)
Charge: + $149.51 (Coat & gloves)
Charge: + $18.50 (DW-90)
--------------------
TOTAL: $452.20
PAYMENT: 10/23/06 - $125.00
--------------------
New total: $327.20


Debt Tally

$9,054.08 to Mom
$4,369.74 to credit cards
$1,335.40 LB CC
$327.20 Medical CC

Total: $15,086.42

The Check is in the Mail

October 30th, 2006 at 07:03 am

Whoo-hoo! I have earned enough points from MySurvey to get a $10 cash reward!! Just ordered it and I should have it in 3-6 weeks. Yay! More for the $20 account! Smile

I Fought the Coat and the Coat Won

October 29th, 2006 at 08:34 pm

Like many women, I love shoes. And purses. And books. But I also love coats! For the winter I have a leather motorcycle jacket, a hot pink leather jacket, a black suede jacked w/maroon fur on the cuffs, a black LL Bean jacet (for when it snows), plus a very wide assortment of heavy sweaters and sweatshirts. I so do not need a new winter coat.

I bought a new winter coat today.

It's long, to my mid-calf, and black aw/fake black fur down the front, and so goddess damned cool!!! I figure it will be OK, though, because I don't have a winter coat that is appropriate for work. I don;t have an nice, dressy winter coats. And this will be perfect for any type of event where I need to be professional or dressy.

And it's so fucking cool!!! Smile

Downside: $128 and I put it on a CC that is supposed to be for meds only.

*hanging head in shame*

*peeking up*

But it's such a cool coat!

CC Savings Update

October 28th, 2006 at 06:20 pm

Had $$ put aside for a bill, and it was over the amount I needed. Decided to add the remainder into my CC Savings Account.

Old Savings (CC Debt) Total: $1,129.44
Added $21.98 leftover
New Savings (CC Debt) Total: $1,152.42

Need to do...

October 28th, 2006 at 06:15 pm

Notes to myself.

To Do:

$100 to Dad
$75 to KofC Hall

Mail CD
Pick up Meds
Deposit check into savings
Pay Rent
Weather-strip windows
Trash Out
Laundry away

Dishes
Containers to storage

Psychic Faire Suckage

October 28th, 2006 at 06:13 pm

Worked as a tarot reader at a psychic faire today. It sucked. I had one reading and she didn;t even pay!!! I was so hoping to bring home an extra $100 today. Money is tight this week and I really could have used it. *sigh* Time to get brainstorming on new ways to bring in some extra Moo-nay.

1 down, 2 to go

October 27th, 2006 at 02:23 pm

Got one of my meds in the mail today. Turns out the company tat shipped it to me only had part of my address on it so the Fed Ex deilivery guy couldn't find my apartment. Here' the thing though; the meds I got...it's the one I still have some from the last refill left on. The other two I've been completely out of for over 2 weeks now.

And here's the real kicker...one is out of stock and on backroder until NOVEMBER 16th!!!!! And the other was brought to my house today but Fed Ex deiced not to leave it (when the left the first package) and marked it for a return to the shipper. After 25 minutes on the phone, I finally found out where the package was (a town about 20 mins from me) and convinced the manager there to hold the package until tomorrow at 5 so I could pick it up.

Hate to be rude to someone who doesn't deserve it, but I think it was explaining that the package contained anti-depressants and mood-stabilizers in my very colorful langauge that did it.

Damn mail service.

Debt Tally Increases...

October 27th, 2006 at 01:58 pm

Debt tally to Mums is increasing fast... In another few days though, there will have been 2 major cc payments so it will lower my overall debt tally a bit. *sigh* Will I ever catch up, let alone get ahead???

Frown

$6,844.08 to Mom
+ $2,210.00 (borrowed for 2 cc payments)
----------
$9,054.08

Debt Tally

$9,054.08 to Mom
$4,369.74 to credit cards
$1,335.40 LB CC
$181.06 Medical CC

Total: $14,940.28

Just about $15,000 ...I think I'm going to be sick.

How to Get Better Gas Milage

October 26th, 2006 at 12:50 pm

Found an article in the local paper about this and though we could all benefit. Enjoy!

Hightlights of the Article:

The BBB continues to warn customers to be wary of gas-saving clains for automotive devices or oil and gas additives. While some of the gas-sving products have been proven to work, the savings are usually small at best. Worse still, some can severly damage your engine or void a manufacturer warranty by adding after market devices to your car.

Some products than can damage your car or cause a substantial increase in exhaust emmisions:
Air Bleed Devices
Vapor Bleed Devices
Liquid Injection
Fuel Line Devices
Mixture Enhancers
Internal Engine Modifications

Instead of risking damage with these products, the BBB suggests you try these tips to increase gas milage and save some moeny at the punp:

~Buy only the octane level gas you need. Check your owners manual to find the specifications for your car. If you don't need the high octane level, don't waste the extra money on it.

~Drive more efficiently by driving within the posted speed limit. Gas milage decreases rapidly at speeds above 60mph.

~Avoid frequent and sudden starts adn stops. Accelerate slowly when starting from a dead stop: gas milage can be improved up to 5% around town this way.

~Use overdrive gears and cruise control when appropriate. They improve the fuel economy of your car when you're on the freeway.

~Keep windows closed when you're traveling at high speeds. Open windows cause air drag which reduces your milage by 10%.

~Avoid rough roads when possible. Dirt or gravel roads can reduce your gas milage by up to 30%.

~Remove excess weight from the trunk and backseat. An extra 100 pounds can reduce gas milage by 2%.

~Properly maintain your car: keep the engine tuned, tires inflated and aligned, change the oil on schedule, and check and replace air filters on a regular basis. Replaciong clogged filters can increase gas milage by 10%.


*Taken from the Wareham Courier, Thursday, October 19, 2006 issue

$20 for the $20

October 26th, 2006 at 12:17 pm

Although I usually wait til the end of the month to cash in my change jar, I had some free time the other night and I needed to do something to help me procrastinate claning the house. LOL So, I counted and rolled change. Then I got excited at how much was in there and just couldn't wait to deposit it. Big Grin


ING Account (aka $20 Challenge) Old Total: $343.67
Added: $21.50
New Total: $365.17


(Psst...was just checking to see the last Change Roll I did...Oct 3rd for $27...so in 23 days I had $16.50 in rolled change and $5.00 in left-over $1 bills...not bad! Smile )

CC Settlement

October 25th, 2006 at 07:53 pm

Got a call today...another one of my CC's has agreed to settle! Yes!! So, this was an over $7,000 credit card debt I had. They agreed to settle for approx. 60% of what I owe.....$4,434.06!!!

I am so excited about this since this is the card that the law office was calling me and threatening me over and over. Big Grin

I'll be making 3 payments of $1478.02 each. First payment is due end of this month, then end of November and end of December.

Now, along with that, I am almost done with making paymens on another CC that settled...Nov should be my last payment on that one...which means by January 2007 I will only have 1 CC to settle and pay off, plus my LB CC and what I owe Mums. Whew! Feels awesome!

Of course I don't have the $ I need to do this settlement in my account yet, so I am borrowing it from Mums. Which means what I owe her will raise considerably, but I'd so rather owe Mums than the CC companies!

Heat Challenge

October 25th, 2006 at 02:02 pm

I turned my heat on today. But it was only for about a minute and a half, literally. It's starting to get that bitter damp chill we get in the winter here and I wanted to make sure the heat was all set and ready to go. It was! Got that dusty smell out of the vents, too. So now, come November 1st, my heat will be ready to go! Smile

I also finally shut the last "always open" window today. Not bad...Oct 25th and I still kept my bedroom window open all day and all night. Thanks goodness I like the cold! Smile

CC Payment / Debt Tally Update

October 23rd, 2006 at 08:40 am

MEDICAL CC Update:

Previous Balance: $412.41
Payment 10/10/06: $220.00
New Balance 10/10/06: $192.41

New Charges & Fees: $113.65
New Balance 10/22/06: $306.06

Payment 10/23/06: $125
New Balance 10/23/06: $181.06

********************

LB CC Update:

Previous Balance: $1,388.39
Finance Charges 10/20/06: $27.07
New Balance 10/20/06: $1,415.40

Payment 10/23/06: $80.00
New Balance: $1,335.40

********************

Debt Tally

$6,844.08 to Mom
$4,369.74 to credit cards
$1,335.40 LB CC
$181.06 Medical CC

Total: $12,730.28