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Archive for January, 2008

4 Penny Update

January 31st, 2008 at 11:45 am

So I went back yesterday to get the pennies...LOL They were still there, but someone was sitting in front of them...damn it!

SO, I went back this morning...as I rounded the corner, I saw windows, sunlight, and...empty chairs!!

But alas, the pennies were gone. Too bad for me, but kudos to whoever grabbed them.

On a related note, that is now at least 5 cents (plus who knows how much from the lady who dropped change in front of me in a crowd and walked off...I, too, was stuck in the crowd, which was moving, and if I had stopped, I would have been trampled...) I have found in Boston, but have been unable to pick up because of other people in my way. But I did find a dime at the train station the other day and you can bet I grabbed it! Smile

And you know I will be kicking myself over those 4 pennies for a while to come...

At least I know I'm not the only one obsessing over pennies! Big Grin

Can't Stop Thinking About 4 Pennies

January 30th, 2008 at 07:00 am

I just can't stop thinking about them!

I was at the B&N next to my office the other day on my lunch break, and I was sitting in a chair in front of a window. I noticed 4 pennies on the windowsill in front of the chair next to me, which was empty. Just as I was about to grab them, someone came over and sat in front of them. I thought, well crap, I have to wait until they leave.

But, by the time my lunch break was over and I had to go back to work, the other person was still there (copying recipes from a cookbook she had no intention of buying, by the way). So, I left the 4 pennies behind, and went back to work.

Now, three days later, I am still thinking about them and wondering if they are there.

Oh goddess; I'm obsessed.

(PS, I am so going back over there to check on my lunch break...)

Big Grin

Hit 10 No Spenders This Month!

January 28th, 2008 at 11:57 am

One of my goals for 2008 is to have 10 No Spenders each month. This forces me to think about what I am spending money on, as well as when I am spending it, and if it is worth it to forgo the No Spend Day.

And, I am proud to say, yesterday, Sunday, I had my 10th No Spender for January! Smile

If I can get more than 10 a month, kudos for me, but my goals is at least 10. At the end of every month, I put $1 per No Spender into my savings account. I may be able to squeeze in one more before the end of this month, we'll see. But if not, I'm still happy. Smile

Friday No Spender

January 27th, 2008 at 09:51 am

Had another No Spender on Friday. Yay me! Of course yesterday, Saturday, was a spend day, with dinner for almost $40, meds for $40, and a stop to pick up some new to us used CDs for $20.

Gonna try to keep today as a No Spender.

January No Spenders: 9

New meds straightened out

January 26th, 2008 at 11:45 am

I got everything straightened out. Turns out my insurance company wanted the Dr. to call them and tell them he was a real Dr. and these were real meds. Right, cuz I am going to willingly inject myself with some med I don't really need. Sheesh!

Then after that, I had to use a special pharmacy that my insurance compnay has a contract with for these types of meds. Cux you know, the bottom line is more important here, not my health. At any rate, they will be here on Tuesday, so I can get started them. And my co-pay???

$40 a month!!!

SO much better than $1,800! Kickarse! I guess it was worth it to go through the hassle with the insurance company, ay??? Big Grin

HOW much is my prescription???

January 25th, 2008 at 03:00 am

I went to pick up my first monthly supply of Copaxone, the new med I will be taking for MS. I knew it was going to be expensive; without insurance it is about $24,000 a year. But luckily, I have insurance.

Except for some reason, my insurance won't pay for it! When I picked it up (or went to, anyways), the pharmacy gave me a AAA member discount, but it was still $1,800!!! A month!!!! ACK!!!!!

So, I came home without the meds, freaked out, and called the insurance company. They were closed. Grrrr... Calling today to find out what is going on. Something about it being a brand name drug and me not being at a network pharmacy, I think. Of course, this is the same pharmacy I go to for all my other generic and brand name meds every month...

I just go so angry and frusterated at insurance companies. In my mind, they are helpful in one way b/c they keep you from paying astronimical fees, but sometimes, it seems like they are just in it for the money and they think it is OK to mess around with their clients prescriptions and health. Grumble, grumble...

Wednesday No Spender

January 24th, 2008 at 05:42 am

Another No Spender this week (thanks for lunch, Mom!).

Maybe I will get to 10 this month after all!

January No Spenders: 8

Books on half.com

January 24th, 2008 at 05:41 am

Just got another DD from selling books on half.com (Can I just tell you how much I love being a once-book-obsessed-will-buy-any-book-no-matter-what person and now being a -just-get-rid-of-the-books-you'll-never-read person??).

Adding it to the Challenge/Taxes

$20 Tax Old Balance: $154.34
Half.com DD: 14.09
----------------------------
$20 Tax New Balance: $168.43

Smile

No Spender Holiday

January 23rd, 2008 at 07:02 am

I had Monday out of work for MLK day, but we just hung around the house all day. Did some cleaning, did some napping, just relaxed and enjoyed the day off. Was also a No Spender. Smile

January No Spend Days: 7

EF gets to $100

January 23rd, 2008 at 07:01 am

I got a nice sweater from Mums for X-mas, but it didn't fit right, and there were no other sizes for me to try. So, Mums returned the sweater, and have me the $24 instead. I really want to put it towards a fun savings, but right now my two $2o Challenges are for my EF and my taxes. They're not fun! So, I am putting $5 of it into the EF to bring the total to $100 and I think the other $20 I will use to purchase a computer game I've wanted for a while, which conviently, is only $20. Smile

Old EF Total: $95.00
Sweater money: $5.00
---------------------------
New EF Total: $100.00

Minor Car Repair

January 20th, 2008 at 07:00 pm

The other day we had a big snow/ice storm, and I didn't clean off my car. The next day when I went to go to work, I had a layer of ice 3 inches thick covering my windshield. After 20 minutes, I ended up with a small space to see out of, two broken windsheild wipers and a broken snow scraper. Sheesh! Went to Wally World today and got new wipers (the whole part, not just the blades) and a new snow scraper for about $10. Dad showed me how to attach the wipers, and now I am good to go.

I love car repairs I can do on my own. Smile

$20 for the $20

January 19th, 2008 at 08:07 am

GOt a check in the mail for doing surveys, for $10. yay! I love that. Smile Also have a roll of quarters to deposit at the bank from CITB, so that is another $20 for the Taxes! Smile

$20 Tax Old Balance: $134.34
Survey check: $10.00
CITB:$10.00
----------------------------
$20 Tax New Balance: $154.34

I have Multiple Sclerosis (MS)

January 18th, 2008 at 10:03 am

Back in the beginning of this past December, I was diagnosed with MS. It wasnít a total shock; I used to work for the National MS Society so I knew a lot about the disease, and a part of me had a feeling I had MS. I had a lot of the classic signs, but my Dr. kept telling me it was something else. When I was in Vegas over Thanksgiving, I lost almost all my vision in my right eye. As soon as I got home I went to my eye Dr., and I was diagnosed with optic neuritis. My eye doctor sent me for CT scans and an MRI, and then to a neurologist. The MRI showed areas of MS activity, and my neurologist diagnosed it.

I have been doing OK with the disease (I start preventative medications this upcoming week and my vision is back to 100%), and since I already know a lot about it, I am not really panicking or freaking out. Iíve told my family, some extended family, and my friends. One woman at work knows; maybe more, for all I know.

Anyways, I wanted to share this with all of you even though it is not financial, because, in a way, you all are like an extended family to me. This actually will affect finances, with the meds being so expensive (between $10,000 and $15,000 a year!), more doctor visits and if, Goddess forbid, something serious happens, trips to the hospital, possible physical therapy, or even equipment to help with disability issues. But for right now, I just wanted to share with all of you, not only because I know you will give me massive amounts of moral support, but because when I do start to mention the financial aspects of it, I wanted you all to know what I was talking about, without having to explain it several times.

You all have been wonderful in terms of listening to (or reading) my rambling, sometimes mindless posts, cheering me up when I feel defeated, and encouraging me when I am doing well with finances. I just felt like this was something I wanted to share with all of you, not only as my financial buddies, but also as just my buddies.

Anywho, enough of this for now. Feel free to ask any question you may have, or feel free not to say anything. But whatever your reaction is, thank you for the support and the (hopefully) continuing support.

More No Spenders

January 17th, 2008 at 05:37 am

Both Monday and Tuesday were No Spenders. Yesterday I had to stop at the store for bread and chips, but other than that, nothing. I may be spending some days, but I am getting much better on not spending on wants. Smile

My goals is to make it to 10 No Spenders a month. Sounds easy, but that means I need to be more organized and work on doing all my spending money errands on the same days (gas in car, groceries, post office, etc).

January No Spenders: 6

Great price for medical benefits

January 16th, 2008 at 10:13 am

I just signed up for medical benefits from my new job. They are so much cheaper than the Cobra I was paying! At my old job, I had Tufts, and I was paying $204 a month. Then, when I lost that job, I picked up Cobra. That was even worse: $341.40 a month!! If I wasn't on so many prescriptions, I might have just said forget it until I found a new job. But Cobra was actually cheaper than paying full price for my meds.

Anyways, my new benefits will be with Tufts, and I am only paying $169.60 a month. That's $170.81 cheaper a month! I am so relieved about this. Especially as I am starting a new medication next week and the copay might be up to $100 a month.

This job just keeps getting better and better.

Happy Happy! Smile

2 No Spenders in a row?

January 14th, 2008 at 09:17 am

We went out and did all the errands we had to do on Saturday (grocery store, post office, bus station...do you know they charged me $55 for ONE monthly bus pas??? It's not even good for 30 days, only until Feb 1st!!! We will NOT be buying one of those again, but just pay the $1.50 each time we need to take the bus!).

So, Sunday we hung around, played video and computer games all day, and had a realxing day. It was a No Spender for us. Smile

And today I am working from home because of the Nor'easter we are having right now: LOTS of fast snow with wicked high winds. I don't plan on leaving the house at all, so it should be another No Spender. I won't count it yet though, because with us you never know! Smile

January No Spenders: 4

Spidey Fabric

January 14th, 2008 at 09:08 am

Finally got paid for some Spiderman Fabric I sold on ebay before Christmas! I was starting to give up on this buyer, I really was. Anyways, another $6 to add to the Challenge.

$20 Tax Old Balance: $128.34
Spidey ebay payment: $6.00
----------------------------
$20 Tax New Balance: $134.34

Bottles and Cans and Lightbulbs, oh my!

January 12th, 2008 at 02:35 pm

When we went to the grocery store today, we returned some bottles and cans we had. We ended up returning $4.50 worth! We still have a few more to do; I can't believe we drink that much soda! We are usually really good about only drinking water, but latey we have been craving soda like crazy. Gonna have to watch it.

We also needed lightbulbs, so we bought a 3 pack of those energy-saving ones. They were $2 off the original price, and we want to convert all our lightbulbs over as they die, so this was a good place to start.

So, overall, another $6.50 to the challenge. Smile

$20 Tax Old Balance: $121.84
Bottles and Cans: $4.50
Lightbulb coupon: $2.00
----------------------------
$20 Tax New Balance: $128.34