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"I dont like money actually, but it quiets my nerves." - Joe Louis
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are you spending or saving?

April 10th, 2020 at 02:40 AM by mumof2

Our spending really hasn't changed but our daughter has moved back home and she has just started a fulltime job this week but she gets up at 6am to get ready for work and it is so cold here in the mornings and nights...so instead of turning on the ducted heating we have bought her a smaller heater just for the mornings...other than that and material for face masks we haven't really bought anything...although our gas will go up as next week as hubby starts treatment and has to go...
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Another Housing Refund

April 9th, 2020 at 08:07 PM by Creditcardfree

Our oldest daughter received her housing refund of $963.79. It seems lower than expected and I haven't yet had the motivation to investigate and do the math. I don't see other parents complaining about wrong amounts, so I expect it is probably right.

My hope is that she will ultimately put this amount on her student loan debt, which she only had to take out this final year (her fifth year, two degrees). The total debt she took out was $5,500. Maybe she can round up and make...
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We're AOK

April 9th, 2020 at 05:28 PM by My English Castle

Like most of you, we're still home, still on three computers in three different rooms with one coding, one learning, one teaching--and one barking to liven things up.

Groceries are being delivered--for the most part for which we're grateful. We're walking, playing monopoly, and cooking a lot.

I planted spinach, we raked the yard, and my CSA guy delivered three pounds of spinach today. We like spinach.

In decluttering efforts we've given away plastic Easter eggs to...
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Walgreens, Again

April 9th, 2020 at 03:39 PM by CB in the City

I had a prescription refilled yesterday (electronically) and this morning I went to the Walgreens drive-through to pick it up. I took advantage of the opportunity to buy a few more items without having to go in a store. I spent $27, which included the prescription. I got paper towels, canned pineapple, tomato soup, crackers, hair conditioner, and a bag of mini chocolate bars.

Buying stuff there is always hit or miss. I check online ahead of time and only ask for items that...
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Checking in

April 9th, 2020 at 02:45 PM by Steve

It's been 2 weeks since I posted. Things are going reasonably well. Work remains slow but also very stressful. I'm having dreams about work pretty much every night. Several of my coworkers have said the same. Constantly working with the threat of catching COVID from our patients is really taking its toll mentally on all of us.

As part of the Emergency Operations Plan, they have all of us urgent care providers getting oriented in the hospital so that when the surge hits, they...
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Virus Strikes Again, Very Close to Home

April 9th, 2020 at 12:08 PM by Fern

In a previous post I mentioned that my neighbor who lives behind me got the virus. He was finally feeling better for several consecutive days. For 3 weeks it was very touch and go as his body fought the virus; one day he'd be good, the next day he thought he was dying.

My neighbor is married and around my age. They bought their house in the woods about 15 years ago and because he was making very good money, they over-improved the house, doubling its square footage to about 5,000...
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Thinky Thoughts

April 9th, 2020 at 05:08 AM by Lucky Robin

I know I already posted today, but I am having thoughts. They keep making a big deal about people not being able to make rent next month. And what I am wondering is if there is going to be any kind of financial changes in people's lives on the other side of this. There are so many people who have been irresponsible with money for their entire lives. They have lived with debt because there was always money coming in to pay it and now they are experiencing what life is like without...
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some good news

April 9th, 2020 at 03:25 AM by mumof2

Well for us anyways...one of my nieces baby is due in next 9 days...she is excited (its her 5th) but also scared due to the virus...I have another niece that is due in june and another that just found out she is pregnant and due in early october...we have such a big family and it grows every year and I love that...my mom has
5 kids
14 grandkids
44 great grand kids (plus 3 more due)
5 great great grandkids

this does not include step etc

we feel blessed..so happy that there...
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Some Big Changes

April 8th, 2020 at 10:04 PM by Lucky Robin

DH was just told that they will only be working 32 hours a week for the next two weeks. Its because they are waiting on another section of the project to be finished before they can proceed forward with theirs. They also have decided to stop matching in the 401K, but hope to be able to catch that up at the end of the year if things are better. The 32 hours will not affect qualifications for medical benefits.

I did an emergency budget template up, but don't have the exact...
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Possible Check

April 8th, 2020 at 02:47 PM by klarose

In addition to the stimulus check, I have heard that my secretary job is most likely going to to pay me my average hours for April and May!

That would be great, especially since husband's overtime is drying up and without it we can't really make extra payments on anything.

I look forward to the day when our debt is gone and we can live comfortably without overtime or 3 jobs.

If the stimulus and my check from work pan out I am hoping I will be able to pay off the construction...
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80 Degrees

April 8th, 2020 at 01:03 PM by CB in the City

It was 80 degrees yesterday! But not today. And strong storms rolled through last night. I will need to go check my car to see if there was any hail damage.

I opened windows during the day but did not go outside. I didn't see a lot of people walking around other than the dog walkers, so I think people were pretty compliant. Police did have to break up a soccer game in north Chicago. ????? Stay home -- save lives.

I finished my second jigsaw puzzle yesterday and I actually...
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Dinner Blahs

April 8th, 2020 at 05:23 AM by Lucky Robin

I've been getting so bored with my food. It's mostly because I don't feel like putting the effort in. We've been eating a rotation of about 4 different meals and I really need to snap out of this and get some variety back into our diets. I have the food, just not the usual inventiveness or energy to look through all my recipes. I'm wondering if this is just a sort of quarantine depression? I mean it's not full blown, but it is slightly worse than seasonal. I usually delight...
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stimulus payments

April 8th, 2020 at 04:25 AM by mumof2

So we got our stimulus payment in today (aust) so we put half in to the medical which will pay for hubbys treatments and the other half paid off the cc...so it has taken those 2 payments out of our budget so we can add more to the ice account this month..so feeling good!!

I have been busy trying to find my mom another house to rent..hard during this time with virus but they set up appts and do 1;1 viewings.

hope everyone else is staying safe
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$20K Update

April 7th, 2020 at 03:39 PM by Banker Gurl

Current Balance $12,670.00
+.38 GC Interest
+$4.63 Even Out Amount
+$90.00 FB Sales
+$50.00 My Payday to Our Savings (4/3)
+$75.00 My Payday to Mom Loan Savings (4/3)
Balance $12,890.00

Local Savings $1755.00
GC Savings $1715.00
Capital 360 Savings (US) $3435.00
Capital 360 Savings (Mom Loan Payback Account)$3635.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $12,890.00

52 Week...
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Virtual Check In

April 7th, 2020 at 03:15 PM by Penny

I have not posted since the end of December, when I restarted my blog. That sounds about right, though, I have been on the go since then. Until about 3 weeks ago when our routine life came to a screeching halt.

I have been working at home since Friday the 13th of March. Fortunately I do get paid since I have a contract. The part time job is limited, though, since it involves face to face intervention. I now conduct a few hours a week of direct intervention in the highest need...
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Allstate

April 7th, 2020 at 11:37 AM by CB in the City

I downloaded Allstate's app and set myself up for the payback they are offering. Not sure how much it will be -- I am not even sure if I will get it, as I am not a monthly payer, and the program seems to be organized around monthly payments. But I went through the motions anyway. A little bit of money, even potential money, is better than no money.

I started to make cream of asparagus soup yesterday but as I got started I realized I didn't have enough asparagus to make it...
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thankful

April 7th, 2020 at 03:44 AM by mumof2

I am thankful that careful budgeting...and yes we have a ways to go..but with good budgeting we are able to pay all our bills, our rent, we have enough food etc...during this time of people losing their jobs...or having the uncertainty of what the future holds...I am hoping that people learn from this and start having somewhat of a stockpile of food for at least a month or so and that they start an emergency fund so if this ever happens again it won't be so bad for so many people...I...
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thankful

April 7th, 2020 at 03:41 AM by mumof2


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Call Your Auto Insurance for a Discount

April 7th, 2020 at 12:40 AM by Amber


So I called my insurance company, told them I’m working from home and got a discount of $30 per month, due to COVID-19.

Well worth the 20 minute wait time.
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FB Sales Week of 3/29/20

April 6th, 2020 at 07:17 PM by Banker Gurl

Lots of orders, big and little picked up this week! Consignment sales continue to go great! I also need to start pulling out my spring inventory.

Sales for the week were $362.00!!

Sale #1682 (SS) $20.00
Diaper Genie and Inserts (80/20 consignment)
Sold for $20.00
Profit = $16.00 for my consignor and $4.00 profit for me

Sale #1683 (DI) $13.00
Baby Toy Lot (80/20 consignment)
Sold for $5.00
Profit = $4.00 for my consignor and $1.00 profit for me

Fisher-Price...
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