well all weekend long i tried not to check my bank account...just because i know i have my house payment to pay these coming up weeks and i was scared to see how much i was short...it usually takes two paychecks for our house payment...well all weekend long we did pretty good...one time we were going to go out to eat but i though wait, i have food at home to make so i did...that's a great change for me...
the one day we did mess up was Friday...we ended up going out to eat after work at a Chinese place and it was like $35.00....uughgh and it wasn't even that good...i felt so guilty afterwards...GOSH I CAN'T EVEN EXPLAIN HOW GUILTY I FELT....
well than yesterday i felt really good...i had the day off of work which i planned for a while to go to a job fair...well i went in the morning and did my thing...well than in the afternoon i decided to pick up my daughter early and still leave the baby with my mom...than i decided i was gonna take my daughter somewhere where she could go swimming...i could of taken her to our local water park but i was thinking gosh if i go than it's gonna be like 24.00 dollars for me and than like 12.00 for her...plus paying for the lockers and than of course swimming always makes you hungry...so i would of ended up spending 50.00 i didn't have...than i started thinking or i could take her to the local pool by my mom's house and it's only .50 cents each....but than in my head i knew how much she loved the water park...
so than i thought why am i being so silly...i can take her to the pool and she will still have a blast...so i took her and guess what ...SHE HAD A BLAST!!!...she loves it when it's just me and her...so we swam and acted silly and the best part is...THEY DON'T CHARGE ANYMORE....so we did all that for FREE...
so here i was going to spend 50.00 that i didn't have and shouldn't spend and i changed my way of thinking...i felt so proud...
Wednesday, July 23, 2008
Friday, July 18, 2008
well that didn't last long
okay so remember i was trying to see how long i could keep 25.00...well last post i was down to about 20 or 21 dollars...and wouldn't you know it give it one more day and it's GONE...
let me give you a perfect example of what i mean as to why can't i just change my way of thinking:
so yesterday we were here at work and remember i said i can eat lunch here for like 2 dollars and eat a full meal. well my co-worker said i feel like going to mall during lunch for some pizza do you want to go??? and instantly i thought yha i can go i have money...HELLO I CAN EAT PIZZA IN THE CAFETERIA FOR LIKE 1.50..AND IT'S GOOD...so here we are going out to lunch and she says you know what i don't feel like pizza anymore let's go to like chilli's...so did i go?? OF COURSE I DID...so i ended up spending 11.56 on lunch and than my tip was an extra 2 bucks...so now i am down to 6 dollars left...why couldn't i just think yha i have 20 dollars but i need to save it and stick to eating in the cafeteria and saving my money????
than we got out of work early so i picked up my daughter and she was at the mall with my mom...than my daughter says...mommy i'm hungry can we go upstairs and eat pizza??? there goes my last 6.00....WHY CAN'T I CHANGE ....WHAT IS SO HARD FOR ME???
let me give you a perfect example of what i mean as to why can't i just change my way of thinking:
so yesterday we were here at work and remember i said i can eat lunch here for like 2 dollars and eat a full meal. well my co-worker said i feel like going to mall during lunch for some pizza do you want to go??? and instantly i thought yha i can go i have money...HELLO I CAN EAT PIZZA IN THE CAFETERIA FOR LIKE 1.50..AND IT'S GOOD...so here we are going out to lunch and she says you know what i don't feel like pizza anymore let's go to like chilli's...so did i go?? OF COURSE I DID...so i ended up spending 11.56 on lunch and than my tip was an extra 2 bucks...so now i am down to 6 dollars left...why couldn't i just think yha i have 20 dollars but i need to save it and stick to eating in the cafeteria and saving my money????
than we got out of work early so i picked up my daughter and she was at the mall with my mom...than my daughter says...mommy i'm hungry can we go upstairs and eat pizza??? there goes my last 6.00....WHY CAN'T I CHANGE ....WHAT IS SO HARD FOR ME???
Thursday, July 17, 2008
now $20.00
well that didn't last very long. my so called $25.00 is now $21.00...last night we were at home and my daughter said she was hungry...she wanted waffles but i didn't have any syrup....SO WHO CAN EAT WAFFLES WITHOUT SYRUP...NOT I!!!..
so anyways since she has been sick and not really eating the fact that she told me she was hungry i jumped at the chance to feed her...so than she said she wanted a bean and cheese taco from Taco Cabana...so of course when we get there she says she wants a lemonade also...so i had ones but i didn't have enough so i had to pull out the $5.00 bill...so there we go now only down to $20.00...
than to make matters worse to really aggravate i knew my husband was going to have a beer after work but today i looked at our bank account and he spent $21.00 at the bar...WHAT THE F@*K????? but that is a whole other story for another time...
thanks for listening...
so anyways since she has been sick and not really eating the fact that she told me she was hungry i jumped at the chance to feed her...so than she said she wanted a bean and cheese taco from Taco Cabana...so of course when we get there she says she wants a lemonade also...so i had ones but i didn't have enough so i had to pull out the $5.00 bill...so there we go now only down to $20.00...
than to make matters worse to really aggravate i knew my husband was going to have a beer after work but today i looked at our bank account and he spent $21.00 at the bar...WHAT THE F@*K????? but that is a whole other story for another time...
thanks for listening...
Wednesday, July 16, 2008
how long can i keep $25.00???
okay so lately has everyone else i have been trying to be frugal with my money. I'm lucky that here at my work we get lunches and breakfast for wholesale prices. So for example for lunch time i can eat a complete meal with drink for about $1.75...that's pretty good right...yes,yes i know it would be cheaper if i brought my lunch but honestly once i get home from work than deal with the kids, hubby,housework, i am too damn tired to make a lunch...so anyways the way i see it is that eating lunch at 1.25 or 1.50 is much cheaper than what i used to eat like 7.00 a day for lunch....
okay so n-e-ways besides that i have had $25.00 in my wallet for some time now...it's not very long but i have had it in my wallet since Saturday...i know you may probably be thinking that 4 days is really not a long time but honestly for me it is....i mean i think i seriously have a problem where if i have money in my wallet i feel i have to spend it...i don't know why i am like this...even if i have extra money in my bank account instead of me thinking that i need to save the extra money for next week or something my mind frame of thinking is oh we can do it we have an extra 20 or 30 dollars....why do i think like that??why can't i just keep the mind frame oh we don't have any money and i better save it since we are broke...i mean technically we are broke and i should just save that extra little bit...some people would pay it to extra debt but for myself i need to save it...
so now i am having a little competition with myself to see how long i can keep that 25.00 in my wallet...
okay so n-e-ways besides that i have had $25.00 in my wallet for some time now...it's not very long but i have had it in my wallet since Saturday...i know you may probably be thinking that 4 days is really not a long time but honestly for me it is....i mean i think i seriously have a problem where if i have money in my wallet i feel i have to spend it...i don't know why i am like this...even if i have extra money in my bank account instead of me thinking that i need to save the extra money for next week or something my mind frame of thinking is oh we can do it we have an extra 20 or 30 dollars....why do i think like that??why can't i just keep the mind frame oh we don't have any money and i better save it since we are broke...i mean technically we are broke and i should just save that extra little bit...some people would pay it to extra debt but for myself i need to save it...
so now i am having a little competition with myself to see how long i can keep that 25.00 in my wallet...
Wednesday, July 9, 2008
Just another day in the rat race
okay so today i'm feeling kind of down in the dumps...me and hubby are fighting over money which i don't know why. i mean if we don't have it we don't have it....so other than that i'm just here at work. i've haven't been doing too much with the debt but i've been just concentrating on the kids. I guess i'm just getting a little depressed that i know when i just enjoy the kids it makes me happy.
I'm looking at my check from last week and even though i did some overtime it didn't' really make a difference since we got paid a company holiday for the 4th of july. So my overtime isn't really overtime just straight pay. This week will pretty much be the same. Since our offices were closed Monday we also had to use time so any overtime is just straight. I know i shouldn't complain i guess something is better than nothing.
well on the other note we just got a review letter from the Attorney General's Office for my stepdaughter. They said it's been 3 years since the last review and both my husband and my stepdaughters mom can decide if they want a review. ARE YOU KIDDING OF COURSE WE WANT A REIVEW....now things are so funny...According to the child support rules you can ask for a review before those three years if you have a signifigant change in income or something substantial. Well like i have said before we obviously had a big change in my husband's income and we asked for a review and they said no we had to wait for our three years and of course the witch called child support and said it hasn't been three years and she doesn't want a review. OF COURSE SHE WOULD SAY THAT SHE KNOWS THAT HE ISN'T MAKING WHAT HE USED TO. many times we (i keep saying we but i guess it's really him) tried to call her and tell her that they need to have an adjustment doen with the child support office and she just kept saying no. She know she would end up losing money. We can't afford to pay her what we were paying her before and now that we have my son she know that her percent is going to drop down even more. Before my daughter and son were born she would get the full 20% but now that he has two other kids he is responsible for i think it drops down to like 15% of his income. Well anyways i was checking our messages the other day and i guess she got her letter that we want a review cuz she keeps calling saying that she wants to talk to him about the child support. and she keeps constantly calling. i guess since she knows she will be getting less. ARE YOU KIDIDNG ME...did you care or ask for some type of moderation when you knew he wasn't working...DID SHE CARE AT ALL??? no, don't get me wrong i know we are responsible for my stepdaughter but HELLO.....so screw her....i don't know i guess i'm just in a pissy mood lately....i hope everyone else is doing better....
does anyone else have this type of drama?
I'm looking at my check from last week and even though i did some overtime it didn't' really make a difference since we got paid a company holiday for the 4th of july. So my overtime isn't really overtime just straight pay. This week will pretty much be the same. Since our offices were closed Monday we also had to use time so any overtime is just straight. I know i shouldn't complain i guess something is better than nothing.
well on the other note we just got a review letter from the Attorney General's Office for my stepdaughter. They said it's been 3 years since the last review and both my husband and my stepdaughters mom can decide if they want a review. ARE YOU KIDDING OF COURSE WE WANT A REIVEW....now things are so funny...According to the child support rules you can ask for a review before those three years if you have a signifigant change in income or something substantial. Well like i have said before we obviously had a big change in my husband's income and we asked for a review and they said no we had to wait for our three years and of course the witch called child support and said it hasn't been three years and she doesn't want a review. OF COURSE SHE WOULD SAY THAT SHE KNOWS THAT HE ISN'T MAKING WHAT HE USED TO. many times we (i keep saying we but i guess it's really him) tried to call her and tell her that they need to have an adjustment doen with the child support office and she just kept saying no. She know she would end up losing money. We can't afford to pay her what we were paying her before and now that we have my son she know that her percent is going to drop down even more. Before my daughter and son were born she would get the full 20% but now that he has two other kids he is responsible for i think it drops down to like 15% of his income. Well anyways i was checking our messages the other day and i guess she got her letter that we want a review cuz she keeps calling saying that she wants to talk to him about the child support. and she keeps constantly calling. i guess since she knows she will be getting less. ARE YOU KIDIDNG ME...did you care or ask for some type of moderation when you knew he wasn't working...DID SHE CARE AT ALL??? no, don't get me wrong i know we are responsible for my stepdaughter but HELLO.....so screw her....i don't know i guess i'm just in a pissy mood lately....i hope everyone else is doing better....
does anyone else have this type of drama?
Wednesday, July 2, 2008
i guess that's the ticket
okay so like i said last post, me and my husband have been doing overtime and man i guess that's the ticket. It made about a $300.00 dollar difference. If we can do that at least 3 weeks of the month that would be an extra $900.00. WOULDN'T THAT BE FANTASTIC.....
Tuesday, July 1, 2008
uugghhh
okay so today i checked online and i should be getting my stimulus within the next couple of weeks...alot of good it does me since it's basically already spent. I will save 500.00 as an emergency cash amount and than the rest needs to go in the bank for a credit card agreement i had settled on. so now it's all gone...just like a puff of smoke....At least i will have that emergency fund...
other than that myself and husband having been putting in alot of overtime...i guess we will see this week how much of a difference it made and if it's worth it...right now our checking account is negative $5.00....i hope everyone else is doing great out there....
other than that myself and husband having been putting in alot of overtime...i guess we will see this week how much of a difference it made and if it's worth it...right now our checking account is negative $5.00....i hope everyone else is doing great out there....
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