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Archive for May, 2008

2nd Interview Tuesday!

May 31st, 2008 at 06:48 am

My phone interview yesterday went really well. I sounded impressive even to myself! Smile And because I got to learn so many new things at that contract job I just finished up, I didn't even have to fusge my experience. LOL

The best part...they want me to come in for an in-person interview on Tuesday morning!! Ya-hoooooo!!!!!!!! Big Grin

Job Interview Today!!

May 30th, 2008 at 07:01 am

I am having my phone interview today in an hour...Wish me luck!! Smile

Need a new bank

May 29th, 2008 at 09:00 am

I need to find a new bank that ffers free checks. I just went and ordered new ones and they are going to cost me $20. OK, so it isn't a huge amount, but still, paying for checks bugs me when other banks offer them for free. When I mentioned this to the woman at my bank, she goes "No they don't." Uh, yeah they do. Wa-Mu: free checks FOR LIFE!! Unfortunately there are no WaMu's around here. Bleh.

Spendings:
$20 for new bank checks
$24.52 balance due on old car insurance
$15 co-pay to Dr. from last month
$120 Student Loans
$10 meds
$410 COBRA enrollment and 1st month coverage Frown

Will also pay phone bill and electric bill later today, but I might need to buy money roders for them later if I can't pay via phone.

I know it is all for necessary stuff, but it still kills me to spend this much in one day. Plus, added to the $250 I spent yesterday?? EEK! Money is getting low, quickly, and I still haven't heard anything new about that damn phone interview.

STRESS STRESS STRESS!!!

11 cents

May 28th, 2008 at 03:36 pm

Oh, I forgot to add to my other post, I found 11 cents at the Dollar Store. One penny and one dime. New total for Pennies on the Sidewalk: 87 cents

Big Grin

Big Spend Day

May 28th, 2008 at 03:33 pm

Today was a Spender. A big spender. A $250 spender!

First stop was the Dollar Store. I heart the Dollar Store. I got Dads Fathers Day Gift: a matching set of pot holders, oven gloves, and hand towels that all say "Grillin" on them. Very Cute. Got a bag to put them in. Total: $6 I'll add in a bottle of his favorite BBQ sauce as well. I also got my sis' b-day gift. A set of body lotion, body wash, body butter and bath salts and a matching candle in a cute basket; also $6

Then I had an eye doctor appointment for my new contacts. The co-pay was $15 but my cheap-ass health insurance won't cover the exam for the contacts, so that was another $75 on top of it. $90 that came from my EF and will be replaced when I get that stimulus check.

Old EF Balance: $714.53
Eye Doctors: -$90
--------------------------------
New EF balance: $624.53

And finally, I hit the grocery store on the way home. Spent $145, but got a bunch of meats and stocked up for a couple of weeks.

Total spent: $250

Eek! Smile

Slowly Stepping into Coupon Land

May 27th, 2008 at 12:16 pm

I don't really use coupons much, simply becasue I never seem to use the items I have coupons for, and so many of the coupons require you to buy 2 before you get the amount off. But I am slowly beginning to use them. I'm a little coupon retarded, but I just realized that coupons work best when combined with store sales. LOL I'll get there eventaully.

In the meantime, I did do good wiyth coupons yesterday! My proudest purchase was Zyrtec for my allergies. Our Waalgreens sells a bottle with 45 pills for $27.99. Yesterday Walgreens had them on sale for $23.99. And I had a coupon for $4 off, so I got it for $19.99. $8 saved! Yay me! Smile

I'm not going to add this to my challenge. I figure the savings I get with coupons isn't for my savings account. I's to make that damn grocery budget stretch a little further!

Recycling Pennies

May 27th, 2008 at 10:38 am

I read an article that talks about how to materials used to make pennies are non-renewable and are in decline (like so many of our other natural resources). One solution proposed by the article is to stop hoarding all your pennies and cash them in at the bank so they can be put back into circulation.

We save all our change and deposite it when we hav enough, but I also have this big jar with nothing but pennies. I had them all saved separately mostly out of habit. As kids, we would out all our pennies in a big glass jar. Then, when the family played cards, we used pennies to place bets and play poker with. I think it jut becamse a subconscious savings with me.

However, I am all about getting money in our savings, and about being green when I can. So, I sat and rolled up my pennies. The few I had that didn't make a full roll went back into CITB and will be deposited when I have enough. I was able to roll $2.50. Smile It went into the EF.

Also into the EF today was a $3 pincone check. Whoo-hoo! Smile

Old EF Balance: $709.03
Pinecone check: $3.00
Recycled Pennies: $2.50
--------------------------------
New EF balance: $714.53

I Want, I Want, I Want

May 26th, 2008 at 08:16 am

There are a lot of things I want right now (a house, a new couch, a new car, a new bedroom set...) and some things I know I need to take care of first (EF, credit card debt, personal debt...). I know it will take me a long time to get my savings for some things saved up(house, new car), so I am starting now. I opened 2 new savings accounts. One for a personal savings (things like a new computer, couch, vacation, whatever I want) and one for a house fund. And by house fund I mean a down payment on my first house. (Thanks for the motivation Amber!).

I am going to get real aggressive about saving and paying off debt. I need to do this.

I will need help. I am a bad saver; I like spending, especially on eating out. I need to be happy eating what we have in the fridge and not craving greasy, money wasting delivery.

So, here are my savings stats:

EF: $709.03
Personal Savings: $25.00
House Fund: $25.00

(*muttering to myself 'every little bit helps, every little bit helps'*) Smile

Bills, bills, bills

May 26th, 2008 at 06:13 am

Seems like they all come in at once. I need to pay:

1. rent
2. June student loans payment
3. electric
4. phone/internet
5. Dr. visit co-pay
6. Cancellation fee to old car insurance (??? I'm double checking on this whammy before I pay it...can we say...SCAM?)
7. cable

and the best part of it all? I only have 1 check left! HA! I usually pay all of our bills online and just do checks for the random ones, like the Dr. co-pay. But since we have all new accounts for everything because of the move, I am still setting those up and everything right now is still paper bills. Ugh.

And my bank charges for checks. Bleh.

I am thinking about switching to Wa-Mu, but I need to see if there are any brick and mortars around here first for those rare occasions I need to deposit a check.

Blub blub blub. That's how I feel. Blub.

The Station Night Club Fire

May 25th, 2008 at 07:10 am

Today I am going to see one of my best friends' band play. He is going to be part of this huge local bands show that is a fundraiser for The Station Night Club Fire. This was a club that went up in flames about 4 years ago. Hundreds of people were trapped inside the building. There were a lot of deaths and even more injured. My older sister and I almost went to that show, but decided not to at the last minute. Thank Goddess for that. However, we still know people who know people who either died or were severly injusred in the fire. A bandmate of my cousin passed away in the fires, a local DJ from the radio station we always listen to passed away, and so many more. So, today, there is a funraiser for the survivors fund. It is anall day long event, with a bunch of local bands and a buffet. $10 a person, and it goes to a fantastic cause.

Other than that, I am just bumming around the house, gathering stuff for an upcoming yard sale.

I spent $7.62 for breaky this morning. I will be spending $10 for the show, and $50 for some of my meds later in the day.

Oh yeah, and I found a dime on my walk to breaky this morning. (New total: 76 cents) Smile

Friday and Saturday Spendings

May 24th, 2008 at 06:15 pm

On Friday we had a great day. We went to this awesome Mexican restaurant for lunch. HUGE portions and wicked good. Total for the 2 of us (plus tip) was $27.

Then, we went to see the new Indy movie. I had some money left on a gift card from X-mas, so we only paid $4.50! $2.25 each for the movies? Nice! And the movie rocked!!!!

On Saturday, Dads came up to help us with some things around the apartment. We went and picked up our new AC, and Dad installed it for us. Then he helped us hang some heavy framed pictures up. It looks a lot nicer now. (Thanks Dad!!) Then Dad and I went out for a nice father-daughter lunch. We are really close and we don't get to hang out too much anymore. It was a great time.

Saturday was a No Spend Day. Smile And even though I had lunch out, Dads treated, so it counts as an all 3 meals at home day as well. And, I had a No Spender one day last week as well. $3 to add to my challenge. Smile

Old EF Balance: $706.03
No Spenders/Eat at Home: $3.00
----------------------------------------
New EF balance: $709.03

Job Interview

May 23rd, 2008 at 08:55 am

One of the places I sent my resume to emailed me this morning. They want to set up a phone interview. Yay!!

One of my best friends works at this company. She said they do a 3 interview hriing process. One phone and 2 in person. Let's hope the phone interview goes well! Smile

In other news, today we are going to the movies to see the new Indy movie. We have a gift card left over for Christmas for the theater, so even if it doesn't cover the whole cost of our tickets, it will cover a bit of it. Smile

Busy Day

May 22nd, 2008 at 03:25 pm

I had a busy day today. I made a bunch of phone calls, and then went out and did some errands. I filled up the car before prices get much higher. Hopefully this fillup will lat me at least 2 weeks. Ahh, the joys of public transportation! Smile

I also checked out a local consignment shop that sells women's clothes. I got all the details about bringing clohes in to them. I'm really excited they take plus size clothes. I have so nice pieces that I never even wore. Plus, they give you 50% of what the item sells for. Pretty nice! Tomorrow I'm going to go through my clothes and see what I can rustle together.

Made a payment on my ATTCC, $200. Works out to about $120 on the principle. Slow going, but at least it is going.

I've deciced to start tracking my daily spending again. Spendings today:

$8.83 breaky for me and the boy at Dunkin Donuts

$15.75 at the Dollar store (new shower curtain, new can opener, package of yard sale price stickers, air freshner, hand soap, etc.)

Total: $24.68

And finally, I found $.06 on the ground today (all pennies!). (total: 66 cents)

Big Grin

Monthly deposit

May 22nd, 2008 at 03:20 pm

Just got my last paycheck from work. Bleh. But at least it is almost a full months worth of pay thanks to the almost 5 days of vacation I had earned and never used. Smile

So, even though I took money out of the EF to live on until I go paid,I got paid a little sooner than I expected. So, adding my monthly deposit to the EF. Smile

Old EF Balance: $681.03
Monthly deposit: $25.00
----------------------------
New EF balance: $706.03

Work is Over

May 22nd, 2008 at 07:35 am

Well, yesterday was my last day at work. Frown I will miss it there. I really liked the people, loved the work and they paychecks were great, too! Hopefully they will get more work soon an can bring me back. Until then, I'm on the hunt.

Of course, now that I am home I have a million things I want to get done here. No relaxing for me! Smile Today I need to:

1. Register for unemployment

2. Deposit my last paycheck, which I got this morning

3. Refill some of my meds while I still have my health insurance

4. Call HR from my old job to see what they took a June health isurance payment out when my health insurance ends May 31st

5. Fill up the car with gas before prices get any higher

6. Budget out this last paycheck

7. Pay some bills

8. Call HR Block re: a possible refund check from taxes two years ago

And then there are just all the little things I want to get done over the next week or two, like take some clothes to the local consignment shop, clean out for a yard sale in a few weeks, finish unpacking from when we moved, etc. It'll be a busy couple of weeks! Smile