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Finally getting started

May 1st, 2007 at 02:35 am

I have finally started taking steps to get myself on a budget. LIke i have said before I am one of the world's best procrastinators.

Go on a side trip with me here: I remember when I learned what the word procrastinate meant. I was in 8th grade and Mrs Bennington had us do book reports and we had to put them in a folder on a shelf when we were finished. She had a sign on shelf that said "Do not procrastinate" I asked her what it meant and she said to look it up in the dictionary. I told her I would do it later. She busted up laughing and told me to do it NOW. I didn't think it was that funny, but have never forgetten what it meant.

OK back to the budget. I found some budget sheets that make sence to me and am now just going to record inflow and outflow for the month of May. and then break everything down at the end of the month and set up a sample budget from there. I just wish someone else would do this for me.

Income today was:
$309.00 Unemployment
$4.00 Kohls,overpayment refund
$5.00 Pinecone payment

outgoing expenses
$80.00 Dr. visit payment(he doesn't take the medical card, YIKES)
$2.00 Foot Dr. co-pay ( he does, yeah)
$4.13 Wendy's for lunch

Out going will end up being more later tonight because I have some bills to pay. THank god for two kids and a large income tax return.

Job Decision

April 26th, 2007 at 08:50 pm

I had told you in one of my last blogs that I had accepted a job that was to start on mOnday. Well I have decided not to take it.

I am working with an organization called Career LInk and they are helping me with resumes and cover letters and I just did a moch interview with them, (that was interesting). I told them that I had taken the job and we talked out the pros and cons of starting a job that I really do not want and how it will hinder me being able to do a job search for the place I really want to be. That is State FArm or Country Financial. State FArm has a HR person that they work with and I went to one of her classes on interviewing and I KNOW HER.

Career LInk thinks I have a good shot at getting a job at State Farm and they are hiring at Country and doing interviews next week for a position I qualify for. So I called the other job and told them something came up and I would not be taking the position. I am hoping I did the right thing. I feel some peace about it. I think I am just needing someplace to work to feel total peace.

On the bright side today I cashed a check for $35.00 for helping at my friends in home daycare. and recieved a check for $145.00 for doing some foster care respite a few weeks ago. SWEET

$170.00 total

I did go to Tuesday Morning and bought three things Total was about $30.00.

So actually total in was $140.00.

I'll take it.

Job Offer

April 24th, 2007 at 01:28 am

Before I get into the job offer I have to share this. MY DD who is 4 just called down the stairs and asked me to come and cover her up. mind you she is capable of doing this herself. I just told her to reach down and pull it up and she said she can't because her leg hurts. i asked why she was using her leg to pull her blanket up and she just called me a meany. She said it with just such a pouty little voice, i just cracked up.

Anyway, ACC Electronix called me today to offer me a job. YYYYEEEEEAAAAHHHH.
It will be in inventory, shipping and recieving. I wanted something different and this is a long way from child care.
They are going to hire me through a temp agency for 3 months and then if they like my work they will hire me themselves. I wanted a higher wage also but am glad to be working at this point.

I had went to a job fair a week or so ago and met the HR person from Country Financial and she was telling me about a job that was going to the outside. I saw the post for it today on their website and e-mailed her and she will pull my application and get it to the hiring manager. I would love to get this job, it is a foot in the door of a big corporation and a great place to work for and retire from.

We will see how it all goes, God is at the wheel and he knows where he is taking me. I just wish I could get a sneak peek at the map.

A New Job????????? (second attempt)

April 18th, 2007 at 05:20 pm

Sorry about the last post. I wouldn't recommend reading it, it is not very interesting. not that this one will be any better, but at least there is something to read here.

I may have a new job on Monday!!!!!!!!!!!I went in to fill out an application and had an interview with production manager and she called in the inventory manager and I interviewed with her also. It all sounded so positive. I called them today and they will let me know by the end of the week as they have a few more interviews to conduct, but she said my application is on the top of the list.

I will be going from a toddler teacher to working inventory/shipping and receiving. Well, I said i wanted to do some thing different. WoOOHoooo.

I checked the status of my tax refund and it should be deposited on the 20th.

I want to pay some of the credit card debt and put some in my savings account in Florida to replenish the emergency fund. Trying to decide how to allocate it. I really need to sit down figure who I owe and interest rates. Geesh, I really dislike dealing with money issues. I always make the wrong decisions and then procrastinate and dont do anything at all but waste it.

Has anyone found a way to kick yourself in the butt without breaking your leg?

A New Job??????????

April 18th, 2007 at 05:08 pm

A New Job??????????

April 18th, 2007 at 05:08 pm

temporary insanity

April 16th, 2007 at 06:41 am

It is 1:30 a.m. here and what am I doing? I am on the computer. How nuts is that.

I agreed to watch 5 of my frieds 6 children yesterday. Plus my 2. It is always an adventure. Usually of a positive note.

It was their dads birthday so I took all, yes I typed all, of them to the Dollar Tree to get presents for him.

They each got to pick one item for him of their choice. They had so much fun and I enjoyed the looks on peoples faces as they realized i was there with 7 children under the age of 9.

Cost $10.00 plus tax (card and Bag included) the look on his face at some of the things they picked out for him, Priceles. Smile

The down note from the day was several toys were broken and someone, MY DS, spilled juice on the computers keyboard.

GGGRRRRRRRR. He knows better to have juice at the computer, let alone get on without asking. Then he didn't tell me he spilled and i found out about it after he was in bed. (which probably saved his life ) so now these keys ( ii7890=) are all sticky and slow to move. any ideas on how to unstick them?

Well I need to get to bed. But have slept from 8:30 till 1:00 so am really not tired. but it will catch up later so good night everyone.

Things are finally starting to look up

April 13th, 2007 at 06:48 pm

Warning: this might get long.

I have been getting really depressed about not being able to find a job. It is getting close to two months. I know that is not long for some of you, but to me as the sole provider for me and my two young kids it feels like forever.

I had applied for food stamps and was denied. they said i had to much disposable income. !!What!!! I don't really understand

WOOOOOOOHOOOOO. I just got a call from the unempoyment office and they had questions about my resignation, but she said she decided to go ahead a reward me unemployment benefits. Thank you Jesus!
There is still a posibility that my job can object but I do not think they will.

Ok back to before. I need to talk to the case worker again about food stamps. I did though get aproved for the medical card. That is good since some of my meds are expensive.

I went to a job fair yesterday and now have several appointments set up for interviews for next week.

All of this made me fall face down on the floor and have a heart to heart with my God and King. I am now refreshed and ready to continue with the challenge.

I went to Kohls and bought a pair of shoes cause mine are about dead and I had a $20.00 gift card from christmas. I have a $4.00 credit on the charge card so effectively the shoes only cost me .36Cents. The total was 23.64. Yeah me.

Well I'll stop rambling now and work some more on YNAB.

Thanks for listening.

Interview Results

April 10th, 2007 at 02:44 am

Well i interviewed with Macy's today. IT went ok. Macy's took over the Famous Barr in our area and now they are looking to running the store like all the Macy's do. the positions are all part time and have never been done (when it was Famous Barr) so the lady could not tell me many details.

The job doesn't start until May 6. uggg
I really need to start like tomorrow.

I have a few more places to send resumes to so I need to get busy.

a job interview

April 9th, 2007 at 05:03 pm

Finally, one of the places i contacted have actually gotten back to me and I go in this afternoon for a job interview.

It is not in the area I want to be in nor is it full time, but at this point it is an interview and the potential for some income. Beggars cannot be choosers.

I will continue to look for a job in the field I want and in the mean time I will be going to the unemployment office for help with my resume an cover letter. They will also help you with mock interviews. This is really cool. You can do as many as you want. SWEET

I let you know how things went

I'm ready to give up the throne

April 8th, 2007 at 04:59 am

For as many years as i can remember I have called myself the queen of procrastination. Now as it is drawing near to midnight and I still have dishes to do and a kitchen to clean up and easter baskets toget ready I am thinking that I need to get my rear in gear and give this title to someone else.

I know that top part has nothing to do with finances but I needed to vent a bit bear with me. (I don't think that was the right spelling but I feel like a grumpy ole bear right about now)

On a financial note I did get my taxes done today. I am getting over $5600. back. I know that will get many of you in a twitter. I have not been a member here long and what I have learned in that short time is I need to budget better and I need to make some major changes to my tax situation. I learned that I can ask my employer to take earned income credit up to a certian amount and get it in my pay check as opposed to tax refund and I learned about how many exemptions I should take to hopefully get me to break closer to even at tax time. Please be patient with the newbee

Now the big question is what to do with the refund. I am unemployed at this time and have been for almost 2 months. I could take the refund and pay off the credit card and be almost debt free or I could feed me and my children and pay utilities and rent. HUMMMMMMM. ;p

Dumpster Diving

April 5th, 2007 at 08:41 pm

I must admit that I enjoy dumpster diving. I don't actually dive into the dumpsters though. (ick) Today on my way home from picking up DS I noticed an empty box on the dumpster. It was for an office chair. I thought to myself I could really use one of those in the kitchen for my computer. I am using an antiquie cane chair at the moment. I kind of wondered what they did with their old chair.

Well wonder no more. I took a bag of trash out to the dumpster just a few minutes ago and their old office chair was sitting beside the dumpster.It is is great condition. I think they just wanted a chair with arms.

Their old is my new WOOOHOOO!

cleaning/purging my bedroom

April 4th, 2007 at 02:24 am

I have a wonderful friend who came over tonight to help me clean up and purge the crap in my bedroom. She probably made 7 or 8 trips to the dumpster. We also set aside 3 boxes to sell at the community sale and I have 2 boxes of kids clothes to go through to see if they are in good enough shape to take to the consignment store. I know I can get more money at the consignment store than at the sale.

It is really amazing to look at my room. I actually have a floor now.

I also found enough change to fill a zip lock bag. I put it in the change jar and will try to add to the jar weekly.

Still looking for a job, am ready to take what comes for now, can't afford to be picky anymore, have too many bills to pay. I'm even looking a part-time. YUCK>

I have applied for unemployment and the medical card and food stamps. I hate it but I have to think about my two littl'ins. Hopefully somethingwill come up soon.


March 31st, 2007 at 04:11 am

HI, my name is nitajaye and I am an overspender, non-financially disciplined, disorganized and am one of the queens of procrastination.

PLEASE HELP ME!!!!!!!!!!

I have been lurking in these blogs and posting every once in a while.

It seems that the YNAB program is fairly popular. Would some of you answer a few questions for me?

1. Do you like this software
2 Is it easy to use (for the computer illiterate person like myself)
3. I have used Quicken for a short time, is YNAB anything like Quicken.
4. Do you like the original version for 19.99 or the pro version for 39.99.
5. Is pro worth the extra 20.00
6. I do not have excel on my computer
7. Do I need to purchase excel
8.What kinds of things does this program do
9. what are your favorites
10. what do you NOT like about it
11. If i purchase it does anyone want to come to my house and enter all the information in it for me
12. Yes I have done some research on it but as soon as I leave the sight I forget about 3/4 of what I have read.

13. I'm getting a headache, should I quit banging my head against the monitor screen.

It's 11:00 and I need to go to bed I will (hopefully) read some of your answers and reviews tomorrow.

Good night all

Thanks in advance for any advice.

YIKES!!! The Breakdown

March 29th, 2007 at 12:09 am

Well here is the breakdown on what they fixed on the van.

disc brake pad set
2 disk break, rotor, front
2 sway bar links
sway bar bushings
2 rear shocks
2 front struts

Total $1,177.63

The good thing is that I qualified for a credit card that will be interest free until 2008. That is better than going on my visa at 7.6 %

I can't believe how different the van drives now. It didn't feel bad to me before, but it feels so much more stable (if you know what I mean) now.

I guess in the grand scheme of things it was a small price to pay to guarentee the safety of me and my chillins.

I also broke down and took the kids to taco bell for supper. It is such a thrill for them to eat inside. Oh the joy of simple pleasures.