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Thursday, June 10, 2021

This And That

 Hello!!! It's been a little while since the last post. Life has just been busy, yet boring. The next few months probably won't be very exciting other than the normal pay down. So I will be continuing my blogging hiatus probably until fall. 

I do read some blogs, but I am not a faithful comment leaver. Mostly because I read at work during break on my phone and typing on it is difficult.

Life has been fairly monotonous lately. Just work and home and going out to my mothers. What a character she is. Always wanting to go somewhere. Running out of places to take a 90 year old that doesn't wear her out. Her favorite place to go right now is a little town that is about maybe 15 minutes from where she lives. She likes to eat at the pizza place, visit the "antique" store, visit the candy store(and boy is she disappointed if it is closed) and then there is always a stop at the Amish store. Life is better for her right now as my brother is once again a guest of the county. Poor guy, no one will bail him out, haha.

I splurged today. It is my oldest sons birthday. I am ashamed to say that I do not know what his favorite cake is. So I bought a small vanilla cake, a coconut cake, a cheese cake and a coconut cream pie. I am happy to help him try them all out, along with the 4 different flavors of Ice Cream I stopped and got at Aldi's. 

I have almost conquered the morning headaches I have been having. Not to say I never wake up with one, but they are not nearly as commonplace as they were. You buy enough different types of pillows you will hopefully find one that works. I have not conquered my Monster Energy drink addiction. Haven't really tried that hard either. But, I must. Today at Aldi's I bought a drink of Kombucha. One drink is as far as I could get. Nasty. It is supposed to be a healthy drink, but I am going to have to pass.

Yesterday hubs and I went to the company's free clinic for our annual wellness check that we have to go through to get the lower priced insurance benefits. Will go back in 2 weeks for results. Pre Covid they would have a company come in and get your height, weight, blood pressure and sugar levels and if you claimed to be a non-smoker you would have to test for tobacco. Just pop upstairs after work and 15 minutes later you are done. At the clinic they drew 3 vials of blood and urinalysis. I am sure when I go back they will want to address my blood pressure being high, as it was also high a month ago when I went in for an ear infection with a cold. I used to be on blood pressure medication about 8 years ago when I hurt my back, but once that got better(not completely, but better), my blood pressure went back to normal. But, I am older now and weigh more than I did than.

In May, we paid off $754 in consumer debt. This includes paying off the Fingerhut account completely, yay! That was a $50 a month payment. So now I am just hopefully going to let that $50 set in the account until it builds up enough to make a lump sum payment to the next debt. The next scheduled payoff is Care Credit #1 which now has a monthly payment of $49.12. This payment used to be around $24 and some odd cents but the last paid off account got snowballed into this account. So the last payment would be in December unless I can hang onto the extra $50 a month from paying off Fingerhut.

So, that is it for now. See ya in the funny pages.


Monday, April 19, 2021

Why George, Why?

 Spent another day at mom's cleaning/sorting through the tin building. My dad has been gone for over 3 months yet every time the building is mentioned my mom declares " I don't know why he had to buy that building, I didn't want him to". My sisters and I have been sorting through stuff in the garage, the lean-to, the shed, the tin building, the attic and the "beauty shop". (a little building that used to be a beauty shop, therefore still called the beauty shop). My dad(George) had a lot of "stuff". He liked to go with his friend to auctions and sometimes he came home with stuff. I am, however, my father's daughter and I fight the auction bug. Haven't been to one in ages. As we sort through his 10 gas cans someone will say "Why George, Why?. As we sort and gather together the shelf of 2-cycle oil someone will say "Why George, Why?" It's actually quite entertaining finding all the different items. Sister #2 and I started on the tin building a couple of weeks ago and made some progress. Today Sister #1 and I worked on it and sister "resorted" some of the same things we had already gone through. She basically just moved from one place to another, lol. Once we get everything sorted all the kids and significant others will put in a claim for anything we want and the rest will be kept for an auction eventually. Evidently Sister #1 and #2 have already helped themselves to some things-nothing of real value, though. Today I set aside a wick I found for an Aladdin oil lamp, a wooden tape measure that I remember daddy using. Of course I forgot them when I left.

I own several old oil lamps, one of which is an Aladdin that I got after daddy passed. The 3 sisters and mom wanted me to take it as they know I like antique oil lamps. My Sister #1 wants me to go up in the attic and look at some others and take what I want. 

I have learned that online ordering of groceries for pick up on a Sunday evening is not the way to go. I have been trying to shop every 3 weeks. So I decided to do a pickup after work. I had 11 substitutions, quite a few items were not available. Some of my meat wants were not available for curbside pickup so I went in afterwards and found a few of the things that were not available. I didn't get home to have supper until after 8pm. I do think I spend less doing a 3 week meal plan and grocery pick up. 

We went to KY last Wed-Fri to visit with hub's mom and step-dad. Thank goodness for good gas mileage as gas prices have really gone up. I now own 6 pairs of house slippers. One time when we went to visit I was wearing slippers and now every time we go down Hub's mom gives me a pair of slippers. While we were there I asked her if she knew how many Longaberger baskets she had. She had 28 just in the living room/dining room area. The next day she tells me to pick out which ones I wanted and I could have them. I gracefully bowed out of that, LOL. 

We got home late Friday afternoon and when we walked in the house smelled of cat urine. I am now paranoid that the house always smells that way and I don't notice it. Tomorrow i am doing a major clean up and then I will get someone to visit and see if they can smell anything.  Need to do a lot of laundry, also. 

We are thinking about how long we will stay at this house. It was going to be a forever home. Then we talked about just staying here until retirement and then moving closer to the grandkids. But now we are contemplating doing so sooner.  There are four new housing additions going in on our road. The traffic will be so much worse than it is now. A lot of things to consider.

Sunday, March 28, 2021

Victories And Losses

 As the saying goes, win some, lose some. Previously I wrote about how our state taxes were intercepted for overpayment of Unemployment benefits. It was not how we wanted it to happen, though we were not totally surprised. I comforted myself with the knowledge that at least I wouldn't have to make my monthly payment this month. I was wrong. It was taken out of our checking account anyway. I do realize that eventually I will get it back, but a disappointment nevertheless.

We were supposed to get a small return on our Federal Taxes of $271. When I did my taxes on TurboTax one of the questions was how much stimulus money did we receive in 2020. I answered truthfully that we had received $2400. TurboTax calculated a credit of $1200 for tax year 2020. Well, the IRS has informed us that instead of getting back $271 we owe $929. $272 plus $929 is $1200. The stimulus that we were paid in January was supposed to be claimed on the 2020 taxes. So it was good that I still had part of my half of the latest stimulus of $1400, haha. We are still trying to save the other half for a carport. 

I did pay off the Credit One and Sam's Club debts. That felt good! So personal and 401K loan paid off in March was $786 and consumer debt pay off was $1184. Not as much as I wanted to do, but better than a poke in the eye......This leaves 13 accounts that I track on here. When I checked my Discover account I found out that my special payment arrangement had expired. I paid $94(the agreed upon amount) but my interest charges were $101. My monthly payment will now be around $120 and about $25 of that will actually go to principal. I did pay an extra $200 on the principal after I found out about this. There are no special payment arrangements available until sometime around August. Any extra monies will probably go to Discover. I have called all creditors excepting one and had the account that my payments go to changed to another account. I will get the last one changed this coming week. I also changed the payment dates from the last day of the month to the 20th so that by the last day of the month all payments will have been cleared. I had already increased my monthly payments to CareCredit before I found out about the Discover card.

We also sold some vacation time and I was able to pay all household bills and assign monies to different checking accounts. One account will fund my car payments and a sinking fund for annual registration. One account will fund all other debt payments. One account will fund mortgage, electric, gas, cable, telephone, auto insurance and sinking funds for semi-annual garbage service and annual street light bill. The last account will fund groceries and misc spending and that is the one that will be variable and low most of the time:)

These changes should allow me to know exactly how much I have for groceries and other things.

So, even though things have not gone as planned, we are coping and still making progress. We are indeed fortunate.


Friday, March 19, 2021

And Another One Bites The Dust!!!

 The last Barclay payment came out of my account today!!! This one took me 2 years to get paid off!! Well, actually, I still owe 1 cent, but they just told me they would write that off and in 30 days I can call and request a proof of pay-off letter. That payment was $128.07 a month!!! I have been counting down the days on this one!!! Woohoo!! One less payment to worry about every month.

Today I have been painting on some of our door frames. This has been an ongoing project. I may get them done in another year or two, LOL. That's just the way I roll.

Here in a bit(if I can get out of our addition, it has rained ALOT and our street is flooded) I am going shopping for pillows! I have been sleeping in a recliner and not waking up with a headache and that is so nice!! 

I do believe I am going to go wild and splurge. I am going to drive to Greenwood to shop and run into the mall and bring home Sarku Japan for supper. Chicken Teriyaki special......ummm ummmm ummmmm! It's about a 30-40 minute drive, I believe. Fortunatley I can enter the mall right by the food court where it is located and avoid the crowds. I will first go to Old Time Pottery to look at pillows and if necessary I will go elsewhere, but this a good excuse to go to OTP, which I love, and I haven't been there in soooooooo long. Still have 

Still have 12 days before we get our 2nd Covid shot, so I am not going to anywhere else to search for the pillows unless I have to. 

I'm excited!!! A debt paid off, new pillows and Sarku Japan all in the same day!!!

Woohoo!!!

Wednesday, March 17, 2021

Well, That Takes Care Of That!

 Our federal and state returns were both accepted on Feb 11th.  Our federal was estimated to be deposited on March 4th. Still haven't received and the IRS website shows it as still being processed. The state was the same story until yesterday. We were expecting a return of $796. I kind of wondered if the hold up was because of the overpayment of Unemployment that I received. But, I thought that since the return was filed Married, filing jointly, it could not be held for what I owe the state. Guess I was wrong, haha! I was overpaid $1254 in unemployment( I filed my unemployment correctly, the overpayment was their error) and I have been making a payment of $85 a month. I was down to owing $574. The state is taking that $574 out of our return leaving us with $222. It was kind of disappointing, but, on the other hand I don't have to worry about coming up with that $85 every month any more. Yay!Yay! In truth, it is a good thing.

The dryer has been repaired. Hubs just couldn't deal with it, LOL. I had told him that we would just use our tax return to buy an INEXPENSIVE dryer but until then we would just make do. Nope, couldn't do that. However, the money came out of funds that he has been trying to set aside forever for building a carport. I told him if he wanted it repaired he would have to find a repair person and he would have to be the one here when they showed up. So the dryer got fixed and when all was said and done it would have not cost much more at all to just buy a new inexpensive dryer.

Our stimulus money was deposited today. Though I am glad to get it, I feel like the country is worse off with the passing of the stimulus bill. Sigh. We are setting aside half of it for hub's carport materials/labor. I will be so glad when that is done and he can quit worrying about it. The other half will be used to catch up on bills(my paycheck will be short next week because I called off from work yesterday). A little bit will be used for some lawn care and I am hoping to pay off a few more debts!!

By paying off a few more of these debts, I will be that much closer to our outgo not being more than our income and eventually I might really to actually start snowballing the remaining debts. 

I called off work yesterday because I woke up with a killer headache. I had a bad day at work Monday and I think I was still in recovery mode. I usually wake up with a headache every day but it will slowly ease up and be gone in a few hours. I think it is more a neck ache which causes a headache. Yesterday was really bad. I had also reduced the amount of Monster Energy drinks I have on Monday(trying to break the habit because, well, they are expensive and so bad for a person). I also need to get new pillows, I just can't find any that doesn't feel like my head is resting on a cement slab by morning.  On my call off day I took a nap in the recliner and did almost nothing until time to make dinner. I also had 2 Monster drinks during the day because my son had brought me some for my birthday which was on Monday.  I also slept on the couch recliner last night and guess what-no headache this morning. 

I think I will go shopping for new pillows later. Right now we are waiting for a coworker to come and pick up an old scooter of my sons that we want to get rid of. My son tried to be a mechanic on it and that did not go well. At this point it would cost too much to repair. The coworker that is supposed to pick it up is a guy that I tried to train at work a few months ago. He is the one that reminds me of my stepson that passed away in 2019. I felt so bad when I had to tell management that he was not cut out to do the job. We didn't set a time for him to come pick it up but I figured he would be here by now. That will be nice to get rid of one more thing that hubs complains about. Even though the trashy looking areas of our outside are mostly due to hubs and his not being able to get rid of anything.

We've had some improvement in our work environment. All little things but it works out. The first thing is that about 6 months ago the company switched out our water cooler supplier and the old company came and took away all their dispensers. Well, the one on one of our lines(the line that is always about 20 degrees warmer than the line below it) they did not replace the dispenser with a new one. The new ones had foot pedals so that they were hands free. I talked to the guy who was with the old company when they took them away and he said he thought all the dispensers had been replaced but he would check it out. I asked him about a month later what the status on it was and he said that it had been replaced. I said that not unless it happened in the last 10 minutes because I had just come from there. Evidently he thought I was talking about the line below the line I was talking about. Another month passes. I ask him again. He said he would talk to the safety manager about it. Then he started avoiding me. So during the training I was in I mentioned it to the Superintendent and 3 days later we had our new water dispenser!!! How easy was that! One other thing is I asked if we could get some light in the "611 poly deck area". It used to get light from the level above but they installed movement sensitive lights up there and most of the time they were not on. I specifically said" we just need 1 light up there and it would be great if the light wasn't a runway light because it is hard to see when the light is that bright" So what happened? They installed 4 lights in that area and 1 in the area below that. I'm thinking the light bill probably went way up. We can't even turn them off as they are hardwired. It is better than what we had but we thought it was funny with the overkill. Another issue that we have is that we are constantly asking our supervisors for "tally sheets". We can't get them ourselves because only certain people are authorized to use the printers. Sometimes we have to ask several times a day before they bring them to us and them they only bring a small amount. We use anywhere between 20 to 40 a day. I asked if we could just get several hundred printed up so that 1. we are not bothering the supervisor all day long to do their job and 2. so that we could have the supplies to do our job. Easy as that they called a printing company and now we have these at our fingertips. Another issue was certain supplies can only be got by the supervisors and we again are constantly calling and asking for these things. It is irritating and discouraging to us and probably the same for the supervisors. So they did authorize us access to pens, markers, white-out, utility knives and a few other things. It is amazing how much easier our mornings are without having to depend on the supervisor to get us our supplies. 

My mom is doing well. Evidently she is a little confused about the birthdays this month. Mine is on the 15th, my brother's is on the 16th, my nephew the 17th and my son is on the 20th. She apparently was trying to figure out how my brothers birthday could be on Tuesday but Terry(that's me!) hadn't had her birthday yet. My sister explained to her that today(this was on Monday) was Terry's birthday and tomorrow was my brothers. She couldn't quite grasp the concept!! She is still worried about spending money. But then she comes up with something new that she needs, LOL. She finally got her new stove and refrigerator. Sometime soon work should start on putting in the new shower. I believe that will have to involve somewhat of a bathroom makeover. She is getting new windows. I asked my sister why new windows I thought Daddy had put in new windows not long ago. It was longer ago than I thought and evidently some are being held in place with duct tape-yeah, it might be time to replace or redo those windows. She also wants a new front door. She says that after that she is not spending any more money, that money is for you kids. We just keep telling her that if she needs anything she has enough money, that's what it is there for. She was telling me about it the other day and I told her- "come on, your a widow now, live it up a little, old lady". She laughed.

So, I think this month will see some debt payoff progress. Even though I still have a lot of payments to make every month, it is so much better than what it was in the past!


Sunday, February 28, 2021

Sunday Evening

 Hello Everyone! Once again, time is just flying by! I finished up the training at work this week and got to have a 3 day weekend!! I am now rated as a #3 trainer, which is the top rank. The training was sometimes interesting and I think it opened up management's eyes as to how involved the job I do is. The training is called Training Within Industry and usually the 2 week training period only concentrates on 1 aspect of a job(ie..the process associates who have already gone through this have only developed training for one single part of the many jobs they do). We did 4!!!!! Management tried to get us in for another week but there was no way they could cover us for another week last minute. We got a lot accomplished and hopefully we will get good results by implementing the training we received.

We were well fed! The first day the company bought everyone who made it into work pizza. It had snowed alot and 44 people called off! The second day we had tacos. 3rd day was bar-b-q ribs and 4th day was walleye. 5th day we had wings. 6th day was Fazoli's, 7th day we had tenderloins and the last day was a taco/nacho bar. It was all so good!

My grandson turns 3 on Tuesday and his party was this weekend. It was just a small party this year but still so fun! He is so grown up! It was fun to watch him play with his cousins! He is now potty trained and sleeping in his big boy bed. The youngest grandson has a bunch of teeth and started crawling last week and pulling himself up. 

Our dryer is broken. Had someone out to look at it. The heat sensor is defective. That diagnosis was $79. The repair didn't have the correct sensor to replace it, even though they knew what brand it was. Then they called and said that the cost of repair would be $179 more but that we first had to have our vents professionally cleaned. Our vent hose is only about 6 ft. long and you can feel the air is coming through with good force. We can't afford to replace the dryer right now. I think I can probably replace it myself(thanks YouTube) but in the meantime I have been hanging clothes up in my closet with a fan and they dry very well overnight. I am good to just continue this way until we repair it or find a cheap used one but hubs just can't understand. He got all upset when my son washed his clothes and was going on and on about how is he going to dry them. I said he will probably just hang them up and let them air dry, he can't go too long without doing laundry and there is no point in going to a laundry mat when you can do it at home for free. Evidently he did not grow up with a clothesline in his backyard, LOL. Adapt.

My mom just had her 90th birthday. She had been bithching about my aunt who just recently turned 80. One of her kids asked for people to send cards. She commented that 80 is nothing compared to 90. So we posted on Facebook that mom was turning 90 and if anyone had the inclination would they send her a card. Boy, did they ever! Mom was a school nurse for numerous years so she got cards from former students and all kinds of people. Even from a coworker of mine from almost 20 years ago! Not once did she question why so many people sent her cards this year!!! She's a funny woman sometimes.

I have done my end of month summary. I still have 2 that haven't been paid since they post the last day of the month. so in the month of February we paid off $626 on our 401K loans(my sisters have put me on hiatus with paying back what I owed my dad) and on consumer debt we paid off $621. This does not include my car, my unemployment payback and a few other bills. This month has been tough. I have been driving to my mom's more often and gas has certainly gone up. Our electric bill usually goes down during the winter but so far it is higher. It has been higher ever since they installed a sensor that just allows them to scan the meter from the road. Last year I made about $6000 less than the year before due to being laid off, being on Covid exposure quarantine and lack of overtime. Nevertheless, I think we will start seeing a few more debts fall off soon!

Monday, February 15, 2021

Monday? How Is It Already Monday?

 I seem to have lost a day or two! I wasn't feeling well on Friday at work. About 1;30pm It just felt like I had hit the wall and drug myself through the rest of my shift. I think I had done too much earlier in the day. It is not the first time while doing this particular job that I have felt bad by the end of the day. We think it is the air quality. After work I dropped hubs off at the house and went to McDonald's for supper and the liquor store for hubs some beer. I took my supper to the bedroom and ate and then promptly went to sleep. Pretty much slept all day Saturday. I called a sister on Sunday because I had looked at my phone and saw that she had called. I asked her why she called and she said that she had talked to me when she called. I did not remember that at all. I guess I was pretty tired. I am so thankful that I did not get the extra days I had signed up for!

Normally, today would be a work day for me, but I am on special assignment this week and next. This week I work 6am to 4pm Tuesday through  Friday and I have an extra 12 hour day on Saturday. Next week I will work Monday through Thursday 6am to 4 pm and I will get another 3 day weekend! I am so glad that I only got 1 extra day instead of the 3 that I signed up for! 

Hubs did not go to work today. When he went out to start his truck his wiper blade fell off and that was enough to justify calling off(insert eye roll here). I don't know if it was broken or just not attached correctly. He went and got a new one so we are good to go tomorrow if we don't get snowed in! I will get off at 4pm but hubs has to work until 6pm. I will either sit around for 2 hours waiting on his shift to end or have them put me to work somewhere for 2 hours until it is time for him to leave. He will have Wed, Thurs and Fri off and then he will work Saturday(I will also be working my extra day on Saturday) Sunday. Hopefully this means that supper will be ready for me when I get home on Wed, Thurs and Fri. But, then again, since I will be getting off at 4pm it won't be so bad if I come home and cook supper.

Snow is coming down pretty good right now. We may get up to 11 inches accumulation before it's over.  I made a run to the grocery store earlier before the new snow started. I had intended to go on Saturday but never got around to it. It wasn't crowded at all.

Mom is doing pretty well, brother is being an ass. Not mean or threatening, just crazy. Just waiting until he gets obnoxious enough at night that the neighbors call the cops on him. Someone is always there when he is in one of his moods and we have the security system set up so that the house can be monitored at my sister's houses. We should be able to find out who is dropping off his "mood enhancers" with the video surveillance.

Taxes have been done and we don't owe!! I thought for sure we would because I did not have taxes taken out of my unemployment. That is quite a relief! I told hubs we were getting back about $500 total when in reality it is almost $1000. Is that horrible? The extra will give me a little cushion to keep up with monthly bills and payments until we get enough accounts paid off that our income is equal to our outgo!

It is nice and cozy in the house right now. Boomer Kitty is sitting on my desk in front of my TV keeping me company(I am on Season 14 of Supernatural), Apollo dog is sitting in the doorway of the kitchen where he can watch me and hubby who is MAKING SUPPER!!!! Scooter Kitty is taking a nap on the bed.


We should be getting bonus checks next week. I have heard that it won't be much since business was so slow at the beginning of the year. But anything extra is a good thing!!