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Viewing the 'Paying the Bills' Category

Payday Report for 8/11

August 11th, 2017 at 05:24 pm

$1255.14 BoA Visa
__113.57 BoA Master Card
__125.00 Best Buy (12 months same as cash)
__500.00 August Utilities
__250.00 Chiropractor (won't be paid until 8/28)
__258.00 Medical (Another bill for my ER visit)
___54.54 Medical (DD)
___30.00 Medical (DD)
___11.69 Medical (DD)
------------
$2597.94 Total Bills Paid

I Can't See the Sky

August 8th, 2017 at 12:40 pm

It's been 12 days since I've been able to see the sky. The smoke haze from B.C. is so bad it is like a ceiling of dirty white overhead. Not like when it is overcast, then you can still see clouds in various shades of grey and white. This is like a lid has been shut over us. Washington state has the worst air quality in the nation right now. Unfortunately, I am having to use my inhaler. It is messing with my lungs.

You take it for granted, seeing the sky. Not seeing it for so long is making it seem claustrophobic, like we are closed in. I can feel it at the back of my neck, making me want to raise my shoulders up and inward against it. I know it is psychological, but the longer it continues, the worse it seems. It makes me feel like I'm in some kind of sci-fi movie where the sky disappears.

The sun and moon through it have been amazing, though. Just brilliant shades of orange shining through to let us know that even if the sky is gone, space is still up there somewhere.

There's not much been going on. I finished up the kidney infection medication and spent a lot of time in bed sleeping during that time. We didn't go out to eat at all for three weeks, but we did get something this weekend and we will go out on the tenth for my daughter's 21st birthday. Then back to not eating out for a good while.

We are up to our ears in gold rush zucchini and patty pan squash. The green zucchini is not doing as well. I lost a lot of them to blossom end rot, so now I am pulling the blossoms off them once they have got to finger size and that seems to be helping. I have green tomatoes now so maybe in a couple more weeks I'll have some red ones.

We lost 2 chickens this week. Henrietta was our oldest chicken. She was six. And then one of the leghorns died as well, but they don't live as long since they are production birds. She was 3. So now we are down to 9 chickens, 6 ducks, and one turkey. We aren't replacing anyone. We thought we might have to get a new turkey hen after Gina died, but George seems to be doing okay now. He's a little sad at bedtime when he's alone, but during the day he seems fine and hangs out with the 3 Barnevelder hens he was raised with.

I didn't do a payday report this week, but all of the money went to pay the AMEX bill in full. That takes care of the last of the medical expenses from the two ER visits and the emergency eye surgery. We still had to pull $3500 out of the Emergency Fund, but at least we didn't have to pay interest on anything.

Maybe in September we can pull ahead again. At least for a little while. Who knows with the job situation still being up in the air like it is.

Payday Reports for 7/21 and 7/28

July 28th, 2017 at 11:27 pm

$2500.00 Citi (7/21)
__250.00 BCC
_3200.00 Citi (7/28)
__102.13 Life Insurance (DH and Me)
__801.46 Various Medical Bills
___90.00 Next Tuesday's Physical Therapy
--------------
$6943.13

So of the $5700 that went to Citi, $5000 of that was medical bills that I kicked down the road from my daughter's ER visit and my ER visit for the torn retina and the accompanying emergency laser eye surgery. I still have about $1200 to pay on Citi before the due date on the 3rd so that will come out of the EF and I'll pay it on the 1st when the money arrives in my account.

The rest of the Citi charges were groceries for the month. I still have an additional $3500 of medical bills that I put on the AMEX card that is due on the 14th, so I'll pay that off with the paycheck on the 4th. There will be just enough in the half paycheck on the 11th to pay for DH's travel expenses and the remainder of the August bills and then he won't get paid again until the next paycheck which won't be until September 1st.

Barring any more medical bills, and I honestly can't do that when things are still trickling in, we should be able to start paying back the EF. Not that that will last long if DH gets laid off again in October. His boss's boss is trying to find a place for him elsewhere in the company because they don't want to lose him now that he's worked for them. Wish they'd had that attitude last August, instead of putting us through 9 months of destroying every financial hope and dream we ever had of staying ahead, in loving partnership with the (Un)Affordable Care Act, of course. But whatever. I'm not bitter, she lied.

Planning and Plotting with the Six Week Budget Cycle

July 2nd, 2017 at 02:06 pm

I was able to pay some of the medical bills this month, but our next payday isn't until July 21st. I ended up putting some of it on my Citi card which isn't due until August 3rd. That will give me two paydays, the 21st and 28th, in which to pay that card off before it is due and I should be able to do that.

The bill for my daughter's hospital visit has not been paid yet. It is due on July 6th and is $2,333.48. So on July 6th I will go online and pay it using the American Express card, which is not due until the 14th of August. That gives me the full payday on August 4th and the four day payday on the 11th to pay that card off before it is due.

I will still have to borrow about $1500 from the Emergency Fund, but hopefully I will get that put back by the end of the coming pay cycle or at least most of it. I should be getting a paycheck from Google/Youtube this month, too. A small one. It'll go into savings.

After the August 11th paycheck DH won't get paid again until September 1st. I am not a big fan of the 3 weeks on/3 weeks off work hitch. It makes it really hard to budget for six weeks. The 2 weeks on/2 weeks off fell much more nicely into a monthly budget.

One of the things we did to make it easier is we changed our storage payment from an auto withdrawal from checking to an auto charge to our credit card. That way I don't have to worry that the money is in the account on the right day, just that it is there for the due date on the credit card. I am considering finding out if we can have the life insurance put on the card as well so we'd no longer have any auto payments coming directly out of checking. Might do that with internet as well. We still get a paper bill on that, but I think we can set it up to go to a card.

If everything is on cards, then I don't have to worry about it so much. And the only bills I will expect to see in the mail are medical bills and the garbage bill. The garbage company does not allow for credit card billing. It comes once every 2 months, so not a big deal with a six week pay cycle instead of a 4 week pay cycle.

I know I'll adjust to this way of budgeting eventually, but until I do, I'll have to keep doing mental gymnastics to make sure everything gets paid on time and that I don't have to pay interest on anything.

Payday Report #3

May 12th, 2017 at 10:53 pm

Finally, we get to today's paycheck, which is a full seven day paycheck at hazard rate. Master Card is rarely used, but we have one that my daughter is a user on to build a credit history for her. It is basically used just for her online orders and when I am too exhausted to go into the store so she can go in with a list and get what I need while I wait in the car. We will be putting DH's flights and travel food and hotel overnights on the BOA VISA after this month. The previous plane tickets went on Citi VISA. We do not carry balances on any of our credit cards, but pay them in full every month. I am restarting the Car Repair Fund and the College Fund.

$190.00 Lab for Bloodwork
$288.79 BoA Master Card
$141.00 Charitable Giving
2739.55 Citi VISA
$120.00 BoA VISA
$100.00 Car Repair Fund
$100.00 College Fund
$_80.00 Car Insurance Fund (Six months)

Payday Report #2

May 12th, 2017 at 10:44 pm

This is for the paycheck on 5/5/17. It is a full seven day paycheck at hazard pay rate, so will be typical for that. Atypical payments for the tabs and the Beef Fund came out of this paycheck. We are getting half a grass fed beef. It was slaughtered on the 6th and has to hang for a bit. We don't make the payment until they are ready to cut and wrap and we know the final hanging weight. They estimated we'd be getting 300 pounds hanging weight. It is $3 a pound plus cut and wrap.

$500.00 Mom's Utilities
$_45.30 Life Insurance Me
$_52.34 Life Insurance DH
$_69.57 Internet
$_70.26 Garbage (2 months)
$177.31 Lab for Bloodwork
$125.75 License Plate tab renewal
$250.00 Chiropractor monthly family plan
1500.00 to Citi VISA
$_90.00 Physical Therapy
1000.00 Half a Beef Fund

Payday Report #1

May 12th, 2017 at 10:32 pm

Okay, so this is from the first paycheck from DH's new job and it's not typical because it was training for 2 days, which is not hazard pay, plus his per diem, and then 3 days actual slope rate. It wasn't a full week of work. I really want to get back into the habit of posting these with each paycheck.

$246.00 ENT doctor
$300.00 Cash for allowances and gas
$125.00 Sleep doctor
$252.00 Storage
$363.30 BOA VISA
1000.00 Mom Loan
$500.00 Emergency Fund
$_50.00 Eye doctor co-pay
$_30.00 Co-pay regular doctor
2459.21 AMEX

$1000.00 of the AMEX was paid from money previously taken from savings when we still weren't getting income. The AMEX card is what our monthly insurance premium of $1337 is charged to.

If It's Not One Thing

March 25th, 2017 at 01:06 am

Something is wrong with my daughter's eyes to the point that she started losing vision in the lower half of one of them today. Called her regular eye doctor who, is only an optometrist and he said take her to the regular doctor, so we did, just managing to get the last appointment of the day.

The doctor their said he could tell something was wrong with it, but it wasn't anything he had ever seen before and that she needed to go see an opthamologist and managed to get her a late night appointment with one (he came back after dinner to see her).

The diagnoses is one of two things. Either a virus that sprang from nowhere or a virus that is caused by an auto-immune disease. So she'll be going back next week during regular office hours and having blood work done to test for auto-immune diseases. The hope is it is just a virus. If it is, you treat it, it goes away. If it is a virus caused by an auto-immune disease it will go away with treatment but will reoccur.

Auto-immune diseases most likely to cause this are rheumatoid arthritis and lupus. I've long suspected she had an auto-immune disease, but I figured it would be MS like Dad or fibromyalgia. I hope it isn't any of the above, though.

This could get expensive. Our insurance doesn't cover labs until you've met the deductible. Although she might be getting close on hers. Her prescriptions were $210.

In other news, I paid the 6 month premium on the car insurance of $436.01 today and a medical bill for my daughter of $130. Plus a regular co-pay of $30 and a specialists co-pay of $50. The car insurance was down about $50 from last time. Our car is over five years old now, so I think that may be why.

DH got his schedule for his drug test for work so that's moving along as expected. I really want to see the benefits packet. I do hope it comes on Monday as it is supposed to.

We spent some time putting the cabinet together. We still have to add two more shelves, the top, the back, and the earthquake guards and then it will be done. It shouldn't take more than an hour. Hopefully DH will get around to fixing the two garden bed corners that are coming apart as well.

Online Payments--Just Venting

April 15th, 2016 at 10:41 am

You know, the credit card companies want you to pay online. They want paperless billing. They want to not have to deal with humans in person as much as possible. So why do they always insist on doing the upgrades to their online payment systems on Fridays? It's only the day that most Americans have their paychecks deposited and pay their bills.

Either they don't think it through, or they are hoping most people will wait until the last minute to pay it and then get a late fee or a pay by phone fee because they can't actually pay it on time with the system down. My guess is the latter.

My bill isn't due for another week because I never wait until the last minute, but it is annoying as I want to pay it today. So now I have to go down there in person, which fortunately I can do, if I want it done today. I have to pick up something on that side of town today anyway.

What I really don't get is that I was able to pay my BoA VISA just fine from the same portal, but when I tried to pay the BoA Master Card my daughter used at the Con she went to, it is down. I tried to pay it both before and after I paid the VISA, which went through just fine. I suppose it could just be they are working on the MC side of things and not the VISA side of things.

BoA is getting my stink eye for today. I never have this problem with the other credit cards, actually, so maybe it is just them. There is a reason I refer to them as the evil empire.

Payday Report and Need to do Something about the Storage Units

April 9th, 2016 at 10:58 am

I really need to start doing the payday reports again. It keeps me super focused and on top of my spending, which I really need to be. We have had a lot of medical expenses already this month. Some of it we will get reimbursed for when everything is straightened out with our insurance company, but that could still take a month or two to shake out.

$400.00 Utilities
$150.00 Emergency Fund
$_80.82 Internet
$_47.86 Life Insurance DH
$_45.30 Life Insurance Me
$150.00 Laptop
$227.00 Storage (went up again, ouch)
$250.00 Chiropractic Monthly Family Plan
$140.52 Sleep Doctor
$_86.01 ENT Doctor
$369.00 Dentist (getting a partial reimbursement)
$_50.00 Allowances
$100.00 Garden/Household
-------------------------
$2096.51 Total

I have $167 and some change left in the checking account. $90 of that is allocated to physical therapy, but she's cancelled on my 2 weeks running, so that money may get dumped into the EF if I don't hear from her by next Friday.

DH and I are going to start going through our big storage unit when he comes home next time and seeing what we can get rid of/sell/donate. We really need to get down to having just one storage unit. The second one is $120 and it doesn't have too much in it, but the first one is jam packed. If we can free up about 8 square feet we can get everything into one unit and clear up the additional expense.

I know some of it is just stuff we didn't want to deal with when we moved, like boxes of papers, bags of outgrown clothes, little kid toys, and multiple outdated electronics. I know there are at least 3 VCR's and while keeping one to play all the old VHS tapes is fine, we certainly don't need 3. We used to have one for our bedroom, one for the living room, and one for the kid's playroom.

We could probably even sell one bundled with a bunch of old Blue's Clues, Dora the Explorer, Bear in the Big Blue House, and kiddie movie VHS tapes at a garage sale. I mean who really buys VHS tapes anymore, not many folks still have VCR's, but might with a big enough stash of tapes and a player with a working remote. Obviously not for a huge amount of money, but maybe $10 to $15.

And I know we have all the fairy Barbies and their forest, too. Which could go for another small lump sum. Complete Fisher Price Little people set-ups, both original and modern are kicking around. And a huge toddler train layout from Little Lionel, which would go for a bit more. Just a lot of stuff like that. Not that we'd make a fortune or anything at all, but we might be able to get a decent garage sale together for June.

I know that when the time comes to move, I don't want to be hauling a ton of useless stuff to our new home. And I certainly don't want to deal with boxes of old junk mail and statements then, either. Our car has an outlet in it, so we can even shred things right there, pack them into paper sacks, and take them to be recycled, without ever bringing them home.

It'll take a lot of work, but he is going to have 3 weeks off in a row and this is probably the best time to do it, before gardening season gets into full swing.