Monthly Archives: January 2013

Money Mash Up – 1/28

money mash up – 1/28Hosted by simply stacia.

1.  The most money I’ve spent last week was $384 for car repairs and inspection. Ouch. Merry Christmas to me. [This doesn’t include the damage caused when I was rear-ended on Wednesday evening. I’m still waiting to hear from an adjuster for this.]

2.  A low-cost or free thing I did this past week was stay home again this past weekend. Of course, the car accident and kids here for the weekend also contributed to my staying in.

3.  The one thing I did for another was gave up my seat on the T (subway) for a woman and her young child. During this week of taking public transportation, it amazes me how selfish people are. If you’re young, give up your seat to someone who needs it. It’s common sense and common courtesy. Show some manners!

Also, after Friday evening’s snow (and 2-1/2 hour commute via public transportation), I came home to sidewalks and driveway still needing to be shoveled (thanks for nothing, kids!). So after cleaning my public sidewalk, I also helped my Friendly Neighbor clear her driveway. Can these good deeds chase away the black cloud that’s been hovering around me?

4.  Something I really need to accomplish this week is to get in touch with Mr. Rear-Ended Me’s insurance company. I reported the accident to his company and was surprised that he hadn’t reported the accident yet. An adjuster was supposed to call me on Friday, but with the horrible weather in the area, I’m not surprised that I didn’t get a call. This is first on my agenda when I get to work on Tuesday!

5.  Life insurance.  Do you have it?  Why or why not?  I have an extra policy through work (separate of the coverage that they provide) and I think it’s for $180K? I figured the coverage of my salary (employer provided) plus this extra would be enough for the kids to pay off my outstanding debt, yet leave them enough to get on their feet.

How has your week been?

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When It Rains …

… it effing pours!

I am not a fan of January. I’m one of those people who drive themselves crazy via baking frenzy and trying to make Christmas enjoyable for everyone else. While I’m relieved when the holidays are over, January is not a fun month. We’re only three weeks into it this year, and I’m ready to hang up the towel with this year.

To add to the typical January funk, my car was starting to act up by running rough. Ok, fine, I’ll ask my stepdad to help with a tune up. I learned how to change my spark plugs and wires. Once the job was done, the engine still idled rough and wanted to stall while idling at traffic lights. On my way to the dentist on Monday, the car stalled twice so I rerouted back home, cancelled our dentist appointments, and called the mechanic for an appointment. Twenty-four hours later with a PVC valve hose replacement, new front brake pads, an inspection and resultant lighter wallet, I was happy to pick up my car and bring him home. While I enjoyed my T/bus commute to work for a week (really enjoyed being able to read again!) letting someone else fight the traffic, I was happy to drive myself again this morning.

Fast forward to 8 PM tonight. Social Diva and her friend need a ride home from a church group function. No problem, I can pick the girls up. Little did I know that the Universe was going to slap me again.

On our way home, I stopped at a yellow light at a fairly busy intersection. The problem with my stopping is that the car behind me did not stop and rammed right into us, pushing my car into the intersection. After a brief moment of “Holy Shit, Is Everyone OK?!”, I  take a right to pull over so we can exchange information. I check with the girls that they’re ok (they were/are). I check with the other driver. He bumped his head, but he thinks he’s ok.  We exchange information, confirm again that everyone is ok, cars are drive-able, and we both leave.

I come home and call my insurance company to report the accident. The Ex recommends filing a police report, but the local PD says they would just help facilitate the insurance exchange (which we had already done). Social Diva’s friend isn’t sure if she feels well, so her dad leaves work to pick her up and have her looked over.

I’m still waiting for my pulse to slow down and my hands to quit shaking. I’ve been in two accidents before when I was a teen (which was a lonnnnng time ago) but it was just with the car I was driving and didn’t involve any other cars/drivers. I have never been hit before, and certainly never rear-ended. I keep wondering what the hell I’ve done to upset my karma and how soon (and how quickly) can I get rid of this black cloud of doom that seems to be looming overhead?

So, Universe? I’m done. Pretty please (with sugar on top), no more.

money mash up 1/21

Money Mash Up 1/21

I’m continuing  money mash up – 1/21 hosted by Simply Stacia.

1.  The most money I’ve spent last week was (or I should say WILL be spending) will be $112 for a ticket. I gambled with an expired car inspection.

2.  A low-cost or free thing I did this past week was was have my stepdad help me change my spark plugs/wires AND stayed in again this Saturday night.

3.  The one thing I did for another was provided a referral to someone on twitter. She was looking for a place to get rid an old car that wouldn’t start and I referred her to my former neighbor who owns a place for clunkers.

4.  Something I really need to accomplish this week is get my car situation taken care of.

5.  I am planning a vacation in one month! This is my annual “mom” trip and I’m taking my son with me as a birthday/graduation present. I have the opportunity for other “mom” vacations, but finances will probably prevent me for them. And I always take a day trip or two to the beaches at Erie with the kids over the summer. It gets us our sun and sand and doesn’t cost us too much.

How was your week?

money mash up 1/14

via money mash up – 1/14.

1.  The most money I’ve spent last week was for $71 to get a passport card for Vampire Boy. As part of an 18th birthday and graduation gift, I’m taking him with me and my friends on The Rock Boat, next month. He could have boarded with his birth certificate, but I’d feel more comfortable if he has a passport card.

2.  A low-cost or free thing I did this past week was stay home last weekend. Not going out anywhere really helps me to not spend randomly.

3.  The one thing I did for another was ?. I know I feel like I do a lot for others, but I think it’s so automatic for me, I can never remember any particular instance to talk about.

4.  Something I really need to accomplish this week is to get my car an appointment at the garage for both an evaluation (thank you, Check Engine light) and an annual inspection. I also need to prod myself out of this funk I seem to be in.

5.  I’m dying to try getting my life in order this year. I’m not where I want to be after five years of living at this address.

How was your week?

Money Mash Up 1/7

money mash up

Money Mash Up 1/7.  Hosted by simply stacia.

1. The most money I’ve spent last week was for rent. Sadly it takes most of my paycheck. Now that I have a cat (in my “no pets” place), the search has begun to find a new pet-friendly place to move this summer.

2. A low-cost or free thing I did this past week was staying in on Saturday night. Hibernation mode has kicked in. It was just me, the cat, Amazing Chicken, and an evening of Nicholas Sparks movies. The Notebook makes me long for a Noah of my own.

3. The one thing I did for another was nothing. I can’t think of anything I’ve done for another this week. I did, however, do something for myself, and that was make a deposit to my 52 week savings plan!

4. Something I really need to accomplish this week is exercise. My cruise is in 48 days and I’ve not lost a pound.

5. My most favorite thing about winter is fresh snowfall on a weekend morning.  There are usually no cars on the road, and the snow is hanging in the tree branches. It’s so pretty when it’s untouched!

How is your budgeting going in this New Year?

52 Week Money Challenge

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I saw this making the rounds on Facebook earlier this week and Simply Stacia blogged about it today. [52 week money challenge. save $1378 in 2013]

I’m tired of wondering how I’m going to pay for Christmas and my The Rock Boat vacation that happens shortly after the New Year.

I have an empty water bottle that I throw loose change into. I’m going to be adding my bi-weekly contributions to this bottle as well, so I can watch my savings grow! (And I promise not to ‘borrow’ from it!)

Let’s do this!