NancysSummerSip
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Today's Mood: Full of piss and vinegar
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Post by NancysSummerSip on Jan 8, 2014 10:06:00 GMT -5
Sounds like someone who either hates change, period or is worried about their job. Just keep on keeping on, and let them look like a jerk because you look like a star!
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KaraBoo
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Post by KaraBoo on Jan 8, 2014 21:10:37 GMT -5
| Bill/Creditor WF/Mortgage Gas/Atmos Water Electric/TXU Insurance/Vehicles Vehicle Maintenance Phone/AT&T Internet/Clear Boat/EECU Insurance/Boat WF/Line of Credit WF/Personal Loan Credit Card/Sears Credit Card/Kohl's Credit Card/Bass Pro Credit Card/GM Credit Card/Lowe's Credit Card/Chase Credit Card/Home Depot Credit Card/Jared's Medical/Lab Corp 1 Medical/Lab Corp 2 Medical/Lab Corp 3 Medical/Cook Children's Medical Medical/HEB Emergicare Medical/HEB Hospital
Total
| Original Total $48,943.27 $36.37 $224.45 $334.05 $229.19 $900.00 $273.88 $52.06 $43,226.86 $1,699.00 $9,961.21 $14,573.28 $10,956.88 $773.86 $7,448.81 $440.00 $4,212.63 $7,736.73 $135.51 $1,600.92 $3.70 $4.72 $44.96 $20.00 $36.94 $38.86 $1,181.50
$155,089.64
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| Current Total Due $46,380.45 $106.01 $107.76 $111.47~ $229.19 $0.00 $270.00~ $52.06 $43,495.05 $0.00 $9,565.91 $12,694.56 $12,715.44 $717.91 $7,287.71 $7,431.98 $3,789.77 $8,675.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $481.50
| | Total | $155,089.64 | | $153,801.26 |
Just for giggles, I thought I'd pull up my original numbers from July and added the new numbers current as of tonight. At this point, it's been right at 6 months. Man....this is depressing! 6 months and we've only dropped our "total" owed by just under $1,300.00? It's a good thing my anti-depressant is working!
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ՏՇԾԵԵʅՏɧ_LԹՏՏʅҼ
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Post by ՏՇԾԵԵʅՏɧ_LԹՏՏʅҼ on Jan 8, 2014 21:17:08 GMT -5
Not to be critical, but why do you still have that $43,000+ boat debt?
I thought the boat was going to be sold and that mess cleared up months ago.
That thing is like an albatross around your neck. Out of all your debt/payments, it's almost as high as your mortgage!
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Sharon
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Post by Sharon on Jan 8, 2014 21:19:10 GMT -5
Not to be critical, but why do you still have that $43,000+ boat debt?
I thought the boat was going to be sold and that mess cleared up months ago.
That thing is like an albatross around your neck. Out of all your debt/payments, it's almost as high as your mortgage! The bank has the boat but I don't believe it has been sold so they do not know what the difference is yet on what they owe vs what the bank boat sold for.
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KaraBoo
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Post by KaraBoo on Jan 8, 2014 21:22:22 GMT -5
It's still listed in our debts simply because the bank hasn't sold it yet and told us what the difference is that we owe. We quite paying on it in July (maybe August?) and voluntarily returned it in September. I'm going to LOVE the month that I can take a chunk of change out of that debt!!
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NastyWoman
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Post by NastyWoman on Jan 8, 2014 21:27:18 GMT -5
Karaboo, the one thing that has me totally confused is the GM CC: where did all those charges come from? Since it had a balance when you started out it is not like this was a transfer to a 0% card Aside from that keep focussing on the bright side -> you DID lower your overall debt and that boat will eventually come off your list
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mollyanna58
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Post by mollyanna58 on Jan 8, 2014 22:06:40 GMT -5
You are going in the right direction.
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flopsy
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Post by flopsy on Jan 9, 2014 1:37:30 GMT -5
May have to wait on some warmer weather before the boat is off loaded.
Keep truckin!
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Pants
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Post by Pants on Jan 9, 2014 9:14:41 GMT -5
Kara - I'm confused about the GM card too...
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zibazinski
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Post by zibazinski on Jan 9, 2014 10:10:08 GMT -5
For sure you are going to owe some money on that boat after its sold. Hopefully nothing horrible but it is what it is. Other than that, you've paid off 1300 of debt in 6 months. I think that's amazing. Somehow with that 4k windfall, I thought it'd be more but still.....
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Apple
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Post by Apple on Jan 9, 2014 22:15:29 GMT -5
I'm going to cross my fingers and really hope that first number on the GM card (7) was a "fat finger" typo! If so, that would be a huge difference.
Either way, if you get discouraged, look how many of those are now zeros, and remember you are making progress. Recognizing and taking action was a huge step in and of itself.
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flopsy
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Post by flopsy on Jan 10, 2014 0:47:26 GMT -5
Have you considered getting a pedometer? There are plenty out there that aren't expensive. You don't need intense work outs to get into better shape but more movement over time and the ped is a great way to keep you on track. Due to incentives a majority of the people I work with have them and they all sync up to a semisocial interface which helps with motivation.
Last year I convinced my BF to start going on short Saturday morning walks with me. I bumped it up to 3mi every Saturday, that became the norm, he's become more active over all and shed a decent amount of weight since then. River Legacy Park in Arlington has a great walking path so I haven't ventured out but I have heard of other great places in DFW for walking/running.
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Icelandic Woman
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Post by Icelandic Woman on Jan 10, 2014 14:02:32 GMT -5
Great news about the new work process Kara!!! Yes the GM card is very confusing? I also hope it is a typo.
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KaraBoo
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Post by KaraBoo on Jan 10, 2014 23:07:37 GMT -5
{sigh} The GM Card is not a typo. Sorry for the delay - with 4 kids and a demanding job, it's sometimes hard to get on-line here where I can focus and post. I just finished pulling up the statements for both the GM Card and Sears (both mastercards) to see what we spent over the last 6 months. I know DH and I have been talking about what we were spending, but I had no idea what the true cost really was. The (somewhat) good news is that most of those charges happened earlier in the 6 months rather than later. I did a rough calculation for what we spent (rounding up, not bothering with cents or interest - just whole numbers of what we charged):
| GM Card | Sears | Medical | $1576 | $1300 | Jared's | $1320 |
| Vehicle/House Repairs | $1146 |
| Band/Spouse Trip | $868 |
| School/Work Cloths/Items | $477 | $750 | Christmas | $459 |
| Eating Out | $372 | $20 | Work Fees/Dues | $329 | $304 | Groceries | $300 | $212 | Gas | $270 |
| Total | $7117 | $2586 |
Medical includes all appointments (counselor, doctor, dentist, orthodontist), tests/procedures (sleep study, upper GI) and pharmacy that has happened in the last 6 months that wasn't paid for out of our medical spending accounts. We do have about $400 that is pending reimbursement that will go towards a bill once it is approved. Jared's - if you'll remember, when we first started out this journey - we didn't have the money to pay that bill (which was at 0% if we paid a set amount each month), so we were paying the bill with the GM Card. We made the last 3 payments on the Jared's bill with cash. Vehicle and house repairs - that was new tires for both vehicles (in July) and repairing the washing machine. Band/Spouse Trip - this one....this one I know you'll question "why?". DH and I talked long and hard about this particular expense/trip before we ever did it. This was at the first of November and we were having issues with our relationship - and I was seriously thinking about divorce. I even let him know that the "D" word was entering into my thoughts more and more. 2 of our kids were in band/color guard and they were doing a weekend trip to San Antonio. We decided that not only would we go ahead and make the trip to be there for them, but to also use that time to work on our marriage and relationship. It's been almost 5 years (since we received custody of DH's kids) since we had taken a trip together, just the two of us. While it was a totally unnecessary expense, both of us agreed that we needed to get out of our house and focus just on each other. By staying home, we would find some reason to do other things rather than focus on each other. It wasn't the blissful trip we had hoped it would be, but both of us agree that it was money that has helped our marriage as we did focus on each other and spent a lot of time just being together. I'm in a better place regarding our relationship and I believe DH has helped step-up in the areas we talked about while there. It was worth the extended debt-payoff in my mind. - flame away - School and work clothes/items - that was back-to-school shopping and items for DH. The work fees/dues - are professional expenses for both of our jobs - some of the costs were reimbursed, some were not. Pretty sure the rest is self-explanatory.
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KaraBoo
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Post by KaraBoo on Jan 10, 2014 23:10:07 GMT -5
On a somewhat related note - LaLa is now a licensed driver!!! She already has 2 interviews set up for next week. Fingers crossed that she gets at least one of the two jobs!
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mollyanna58
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Post by mollyanna58 on Jan 10, 2014 23:13:55 GMT -5
An investment in your marriage is a good use of money, even with interest payments.
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Apple
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Post by Apple on Jan 11, 2014 1:45:08 GMT -5
An investment in your marriage is a good use of money, even with interest payments. I agree. You didn't spend a ton, didn't make it a new habit. I can't/won't flame. An "off topic" question, and I can't remember if you've mentioned it, but how much freezer space do you have? I've found that if I have some things frozen in the freezer that can be cooked quickly (by freezing in individual portions), my temptation to grab something elsewhere is diminished. I don't stop on the way home from work to pick up dinner somewhere, because if I don't feel like cooking, I know there is something at home that is fast and easy. It was a habit I had to break, and that was one thing that helped me.
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KaraBoo
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Post by KaraBoo on Jan 11, 2014 20:41:37 GMT -5
Apple - We have a deep freezer that is currently full (mostly). We're much better now about cooking what we have on hand and making lists than we were before. This is another area DH has stepped up in - he's cooking more than ever. On average, he's cooking 2 meals a week where as before I couldn't get him to cook at all. I'm also making sure there are meals in the freezer he can cook as well - so we're working together better than before.<br><br>Just eating out at fast food for our family of 6 usually runs around $30-40 per meal. What is listed that we charged isn't the only times we ate out over the last 6 months - we just (usually) made sure we paid cash when we did.<br><br>Another thing I'm doing is inputting the cost of a meal in my grocery list app on my phone. It's eye opening to see that I can make 2 meals of meatball subs for less than $15 for the entire family when stopping at Subway costs $40. <br><br>Anyway - Rowdy wants to play Yatzhee....off to spend time with him! <img text=" " alt=" " src="http://images.proboards.com/new/grin.png">
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zibazinski
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Post by zibazinski on Jan 12, 2014 8:53:55 GMT -5
One step at a time. You can do it!
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Peace77
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Post by Peace77 on Jan 12, 2014 9:15:02 GMT -5
Look at it this way:
Several medical bills, Home Depot, Jared and boat insurance are now at 0.
If you now focus on the next lowest amount that carries an interest charge, that would be Kohl's. Right? You can up your payments and get rid of $717 in no time at all if you apply the $220 that was going to Jared's.
Make a list of meals that can be prepared in 20 min or less and tape it to the inside of a kitchen cabinet or pantry door. Keep those ingredients on hand.
you can include meals such as pasta with bottled sauce and frozen meatballs
canned stew with extra vegetables and bread
frozen stir fry &
Soup and sandwiches.
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KaraBoo
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Post by KaraBoo on Jan 23, 2014 22:05:21 GMT -5
Just a small update since I haven't been posting to the thread in a while.....
LaLa didn't get the job - her first interview and she shot herself in the foot (applied at the local amusement park). She had the job until schedule came up and she told them she had to have every other weekend off due to custody agreement (she'll be 18 in a week!). They told her, "thanks but no thanks, the weekends are our busiest time, apply again next year." She was crushed as she's wanted to work there for years! We talked about it, she talked with her mom, and now understands that since she's driving and almost an "adult" she can see her mom at other times rather than just on the weekends. Doesn't mean she wasn't heartbroken anyway. The other interview fell through as well...so she's still looking and applying.
Monkey (the youngest girl) is in basketball and knocked heads with another player this week - literally! She has a HUGE bump on her forehead that is starting to turn pretty colors. She came home the first day and said her coach and friends decided to name the bump Bob. Now that it's starting to turn a pretty purple, blueish green color, she's decided to rename it Mike Wysowski (from Monsters, Inc) because its round and green. At least she's laughing about it and not hiding from life.
I'm struggling with my job again. Instead of my boss supporting me, I was blindsided in a meeting and asked WTF because, according to her, doctor director and I are giving her two different stories, and by virtue of him being a doctor, she's decided to believe him. I've made a professional improvement plan (on my own, without her requesting) and I'm ready to sit down with her again. I'm ready to tell her that the original person who hired me for the job (who's no longer there) did the hospital, the doctors, her and me a huge disservice and set everyone up for failure by putting a person without any knowledge or experience in charge of a new startup.
She asked me in the last meeting "what can we (meaning her/hospital) do to help?" At the time, I had no response. Now that I've had time to think about it, my response to that is this: "logically, I know I am not qualified for this job at this time. Given enough time (maybe another year), training and support, I can be really good at this job and I will excel. My question is are you and the hospital able to give me that time, training and support? If not, I need to know now so I will not waste any more of your time and you can get someone in here who can perform to the level you need them to perform at." And then wait for an answer.
Just typing that up has me in tears because I know what kind of employee I am and I've never failed this dramatically at a job before. Logically - I would never hire me for this job, at least not at this knowledge and skill level. Emotionally, I'm a wreck.
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taz157
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Post by taz157 on Jan 23, 2014 22:36:30 GMT -5
I'm sorry that LaLa didn't get the job. With the drama with her mom and the custody, I can only imagine how difficult it can be for her. I'm sure there would have been some guilt trip her mom would have done too. I hope things drastically improve once she's 18. Ouch on Monkey's injury. It's great that Monkey has a sense of humor about it though. Good luck with your job. My only advice is to do the best that you can and with whatever happens, you've know you've done the best you can.
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ՏՇԾԵԵʅՏɧ_LԹՏՏʅҼ
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Post by ՏՇԾԵԵʅՏɧ_LԹՏՏʅҼ on Jan 23, 2014 22:38:41 GMT -5
Karaboo, I'd suggest you leave out this last sentence in the last paragraph:
I makes it sound like you're admitting defeat and giving up - and you're giving them the choice to relieve you of the position.
I'd focus and put more emphasiis on letting them know that you like the job, but feel that you really want to learn the job properly, and with more time and training, which you'll happily apply yourself to 100%, you can rise to meet the fulfillments of the position.
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KaraBoo
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Post by KaraBoo on Jan 23, 2014 22:54:58 GMT -5
SL - I know what you're saying and in a different position, I would never dream of making that comment.
The reason I have the comment in there is because of who my boss is - if anyone would be classified as the stereotypical "child raised by a Tiger Mom", this would be her. She's a very young president, of a startup with new ideas and new direction - very different from how most other hospitals are run (seriously - there are no other hospitals in our system with this type of set up).
So...not only do I not have the correct training for my job, but I also do not have anyone to talk to regarding how to navigate the job because some of the questions I'm coming up with, no one else has any experience with what I'm dealing with.
I think, based on what I know about her, she would appreciate the honesty and candor. That doesn't meant I'll be happily awaiting her answer, but I will have handled the issues head on and to the best of my (current) ability.
I'll think on it some more - I have some time before our next meeting. We'll be meeting for another reason on Tuesday, but I'm prepared to talk about my job performance then as well if it comes up.
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flopsy
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Post by flopsy on Jan 23, 2014 23:09:39 GMT -5
Kara, unless you have something else lined up I echo SL's comment. If she is as aggressive as you say, what is to stop her from terminating you? If things are really so bleak have you looked for other opportunities?
I know it can be hard but try to stay positive, it can only win you points with your boss.
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KaraBoo
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Post by KaraBoo on Jan 23, 2014 23:26:22 GMT -5
There's nothing to stop her from terminating me.
But it isn't an easy position to hire for either, so I don't think, under circumstances like this, that they would let me go without having a replacement. The job still has to be done and has to be done a certain way for the hospital to stay compliant with regulations. If they lose compliance, they run the risk of being shut down.
However, I've been with the parent company for 19 years - I'm pretty sure I have enough reputation and connections to find another position in another area. There are 2 vice presidents from the original hospital who were upset when they found out I accepted this position as it moved me out of their facility and into another. If they have a position open, because they do know my skills and reputation, I'm pretty sure they would allow me to move back.
Now....if there's not a position open - that would be an issue!
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ՏՇԾԵԵʅՏɧ_LԹՏՏʅҼ
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Post by ՏՇԾԵԵʅՏɧ_LԹՏՏʅҼ on Jan 23, 2014 23:43:13 GMT -5
I'd contact the people at your original hospital now, and let them know that you'd be interested in knowing if there's any positions in your field available or coming up soon - you should be putting out feelers now and letting people know you're possibly available if the need arises - just in case.
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taz157
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Post by taz157 on Jan 24, 2014 0:06:25 GMT -5
I'd contact the people at your original hospital now, and let them know that you'd be interested in knowing if there's any positions in your field available or coming up soon - you should be putting out feelers now and letting people know you're possibly available if the need arises - just in case. Yeah that!
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KaraBoo
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Post by KaraBoo on Feb 23, 2014 11:30:44 GMT -5
Hey Guys! Zib asked how I was doing on another thread and instead of hijacking that thread, I figured I'd just update my own! Wow! I can't believe it's been a month since I posted last. A lot has happened personally (not so much budget wise). I did have a talk with both my (non)director and the President. Both indicated that they will continue to support me and get me the training I need. I'll know what the outcome of the talks really are next week when I get my formal yearly evaluation. I had to do a self evaluation and rated myself as "developing" (lowest rank) in most of the categories because that's what I really am - and added several personal (achievable) goals for the year. I thought I rated myself very accurately - I'll find out if they agree next week. We found my stepson's "carrot" - the item that makes him WANT to behave, do good in school and follow the rules - driving. He'll be 16 in May and we haven't even begun to teach him how to drive yet (we're doing the parent taught lessons - $40 for each kid as opposed to $250 or more). When we talked about it, I told him, "if we can't trust you with the little thinks like homework, chores and attitude, how can we trust you behind the wheel of a vehicle?" For whatever reason, that "CLICKED" with him. In the 3 weeks since we had that conversation, he's attended tutoring and at least doubled if not tripled all of his failing grades. He's still failing, but the turn around is amazing. The teachers are even emailing us with the positive changes. We are keeping our fingers crossed that he keeps up the momentum! Youngest step-daughter is also doing well - she brought home her class choices for next year (8th grade) - she has selected 2 pre-AP classes (high school credits), along with 2 additional classes that count as high school credits. This is also a HUGE change from last year - where she was suspended from school 3 times and all around making horrible choices. Her motto last year was, "I don't want to be known as the goody-goody"....and now that's exactly where she's headed on her own! Yay!! The other two kids are doing well, but nothing new to report - oldest step daughter is looking for a job still and my son is learning to drive. Budget wise - we're struggling this month due to vehicle repairs. We've spent over $400 on maintenance parts and vacuum line issues with our Suburban. LaLa finally stripped out the clutch in her car (it's a standard and old, so we knew it would have to be replaced at some point), so it's been parked because we don't have the additional $200 we need to repair it. We have paid cash for everything, but it's not leaving us any wiggle room and we've had to dip into our emergency savings to pay for it. I did re-sign up with Mint - I had been on it years ago when it first came online, but abandoned it pretty quick. Something made me think about it, so I looked at it again. Man....it's depressing! Most of our budget categories are in the red for the month of February. I'm pretty sure that's because I need to review some things - but I know it's pretty accurate as well. The only saving grace is that most of the categories are only over by $5-25 dollars (which adds up!), so we just need to tweak our numbers and be more aware of what we're spending. We're keeping our heads above water - and that's what matters!
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NancysSummerSip
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Post by NancysSummerSip on Feb 23, 2014 12:34:50 GMT -5
Boo, good to see things on the up and up with the kids. Sometimes, that's worth more than all the dollar signs money can buy!
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