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Post by frugalpokermama on Jul 27, 2022 10:51:17 GMT -5
LADIES, I am back! I'm not sure if my old username was spaghetti0625 or keanuchicky, but I'm back! I have fallen off the wagon, mostly due to spending and my business (spending) so I'm back to get myself accountable and back in control! I had paid off all debt but got comfy and right back into it I will be reading up how to write it all out but just wanted to come on and say hi! I saw that name and knew exactly who this was before I read the message. Welcome back, friend! Thank you! Nice to see a familiar face/name!
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Post by frugalpokermama on Jul 27, 2022 19:43:13 GMT -5
Hey all! So here is my first OFFICIAL post! I was here way back when, I believe when WIRR first started! Unfortunately, the job I had gotten had these pages blocked so I was unable to come on during the day and then at night I wasn't really on and I lost my way from the group. Then I know it changed over to these boards and I know I couldn't find it lol
So, just to recap, I used to work for the Federal Government (US Army, then TSA). In 2013, DH and I had our baby girl DD and I resigned/retired from the 9-5 lifestyle. I had saved up quite a bit of money to make up for the extra time off I would want to take (the government doesn't offer any maternity, just earned paid time off). So when I first started in 2007 I started setting aside money each week into a savings account to have when I wanted the time off. After much deliberation, I decided to resign from my position. My mother was retired and offered to watch DD while I went back to work. When it was time for me to go back, 3 days before, my mom said watching her full time would be a bit of a burden and asked if my in laws could take her part time and she'd do the other time, however they were both still working full time Tues to Sat and I work Mon to Fri so that wouldn't work...so I decided to be a SAHM. After a year, we decided to sell our condo and buy our forever home. We were able to sell our condo for less then is owed, put down the difference so it wouldn't be a short sale AND also put down 20% on our house. It was such a blessing that all my savings and frugalness paid off! I also decided the next year to pursue my real estate license. I did very well buying our 2 homes by owner and handling all the details so I got my license and the flexibility still allows me to be home with our DD, take her to school, dance, activities, etc. Actually, I pulled her from school last year and homeschooled her! She did so well with the virtual and I was still uneasy sending her to school so it worked out very well. 6 years ago we adopted our 4 legged doggo Marcus. This past NYE, our cat Lucky passed away. It was heartbreaking. She was sick with thyroid and kidney issues and I miss her terribly still....but after a month the house was too quiet and I missed her cuddles so we adopted 2 kittens....and let me tell you, they keep us on our toes!
Amongst all this, I fell on bad spending habits. Running my own business comes with many pros and cons. I don't have any benefits and everything is out of pocket, especially advertising, which is HUGE in this business...so I have been out of control with my spending. Thankfully I have found this group so I know you'll keep me in check! Here's my first post of the debts I have: I need to figure out how to post right, but it's the debt, minimum payment, outstanding balance and interest rate.
PNC HELOC 356.14 53,618.12 5.49
Lowes 0.00 0
Ulta 0.00
Children's Place 0.00 0
PC Richards 0.00 0
Capital One 54.00 4005.52 17.90%
Discover Mike 0.00 15.24%
Kohls 0.00 0
Hyundai Palisade 775.11 55,691.59 4.2%
Chase 805.00 40,053.22 18.24%/15.74 BT
Hyundai 397.77 22,891.17 4.50
Best Buy 0.00 0
Target 0.00 0
RB Visa 0.00 0 9.99%
Macy's 0.00 0
Amex Beth 40.00 40 53
Disover Beth 0.00 0 9.24%
Samsung 33.17 601.29 0
WF Credit 0.00 $- 15%
Disney 40.00 217.26 16.99%
Home Depot 0.00 0
Amex Mike 0.00 0
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nidena
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Post by nidena on Jul 27, 2022 19:54:36 GMT -5
frugalpokermama, is there any special reason for keeping Ulta, Disney, Macy's, Kohls, or Children's Place? I know some may have special promos on occasion but if you don't really use them, I would close them and remove them from the mix. I feel like you can get better rewards using an AmEx or Visa or other "general" CC to make purchases at those places.
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Post by frugalpokermama on Jul 27, 2022 22:00:51 GMT -5
frugalpokermama , is there any special reason for keeping Ulta, Disney, Macy's, Kohls, or Children's Place? I know some may have special promos on occasion but if you don't really use them, I would close them and remove them from the mix. I feel like you can get better rewards using an AmEx or Visa or other "general" CC to make purchases at those places. Not really. I do use them on occasion when they offer discounts on some things, but I don't use them regularly. Macy's and Kohl's I use more often for the discounts but they get paid off that month I use them. And it's nice to see the $0 lol. I know closing them will hinder my credit score so I just don't use them much .
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chiver78
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Post by chiver78 on Jul 28, 2022 8:19:05 GMT -5
frugalpokermama , is there any special reason for keeping Ulta, Disney, Macy's, Kohls, or Children's Place? I know some may have special promos on occasion but if you don't really use them, I would close them and remove them from the mix. I feel like you can get better rewards using an AmEx or Visa or other "general" CC to make purchases at those places. Not really. I do use them on occasion when they offer discounts on some things, but I don't use them regularly. Macy's and Kohl's I use more often for the discounts but they get paid off that month I use them. And it's nice to see the $0 lol. I know closing them will hinder my credit score so I just don't use them much . I feel you here. I've got a handful of cards with $0 balances that I haven't closed yet. I keep them open by running a subscription through them and paying off via automatic payment. when I'm done paying everything off, I'll close everything I intend to close at the same time. what this does for me for now is keep my debt ratio under 30% for the added kick to my credit score. I don't even have the physical cards for these accounts, I cut them up as new ones come in. so I'm definitely not using them for anything else. I had some posters "helpfully remind me" each monthly update that I should close the ones I'm not using. if this is working for you, keep doing you.
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Post by frugalpokermama on Jul 28, 2022 12:14:34 GMT -5
Not really. I do use them on occasion when they offer discounts on some things, but I don't use them regularly. Macy's and Kohl's I use more often for the discounts but they get paid off that month I use them. And it's nice to see the $0 lol. I know closing them will hinder my credit score so I just don't use them much . I feel you here. I've got a handful of cards with $0 balances that I haven't closed yet. I keep them open by running a subscription through them and paying off via automatic payment. when I'm done paying everything off, I'll close everything I intend to close at the same time. what this does for me for now is keep my debt ratio under 30% for the added kick to my credit score. I don't even have the physical cards for these accounts, I cut them up as new ones come in. so I'm definitely not using them for anything else. I had some posters "helpfully remind me" each monthly update that I should close the ones I'm not using. if this is working for you, keep doing you. Thanks! They aren't the ones I normally use....Kohl's and Macy's I use a little more frequently bc they have great sales and when I combine them with Rakuten cash back, it's a no brainer The others when they have a GREAT sale (maybe once or twice a year) I'll stock up and take advantage of using the card for an extra 20% off. I would have purchased the stuff on my regular credit card and paid it off, but with an extra 20% it's a great deal!
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nidena
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Post by nidena on Jul 28, 2022 14:58:02 GMT -5
frugalpokermama , is there any special reason for keeping Ulta, Disney, Macy's, Kohls, or Children's Place? I know some may have special promos on occasion but if you don't really use them, I would close them and remove them from the mix. I feel like you can get better rewards using an AmEx or Visa or other "general" CC to make purchases at those places. Not really. I do use them on occasion when they offer discounts on some things, but I don't use them regularly. Macy's and Kohl's I use more often for the discounts but they get paid off that month I use them. And it's nice to see the $0 lol. I know closing them will hinder my credit score so I just don't use them much . It doesn't effect them that much nor for very long that's why I mentioned it. For the boards, though, if it's not debt you're racing, it's often easier to leave them off the list. But...it's what YOU want to race. If you prefer to see all the cards, list away!
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Minnesotagirl7
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Post by Minnesotagirl7 on Jul 30, 2022 7:57:38 GMT -5
frugalpokermama - Good for you for putting it all out there! Are you going to try to tackle all of it at once? Cuz I see some benefit to breaking this into a couple races - credit cards, then auto loans, then HELOC. Maybe? Just a thought. You also mentioned everything being out of pocket for your health care. Do you have a savings account you regularly add to that you can use to cover those expenses? I see a couple smaller balances on some cards - looks like you can get yourself a couple quick wins, and then watch the snowballs fall!
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Post by frugalpokermama on Jul 31, 2022 14:30:22 GMT -5
frugalpokermama - Good for you for putting it all out there! Are you going to try to tackle all of it at once? Cuz I see some benefit to breaking this into a couple races - credit cards, then auto loans, then HELOC. Maybe? Just a thought. You also mentioned everything being out of pocket for your health care. Do you have a savings account you regularly add to that you can use to cover those expenses? I see a couple smaller balances on some cards - looks like you can get yourself a couple quick wins, and then watch the snowballs fall! Thank you! I really want to pay down the CC's first for sure, since those balances are higher, and the auto stuff I can write off. As for insurance, I have that through my husband, but as a Realtor, it's 100% commission base, and no paid days off, like a traditional job. I have been toying with paying off my phone early, just to have it done and one less bill to pay and that $33 a month can go towards something else. However, We need to buy a new mattress so I'm looking to buy the cheapest one. We got a new bed frame in Feb/March and kept the old one as I tried to sell it but too many no shows so DH put it back together in the playroom, that my daughter doesn't use anymore so we can use that as a spare bedroom in which my husband can sleep when I kick him out of bed when he snores. lol He usually goes down to the den and sleeps on the couch but a bed would be much better for him. Some days, he just goes right down b/c he prefers to sleep there to not wake me up so early when he gets ready for work. Down there, the sun comes through the shades so it gradually wakes him up naturally. The bedroom has the blackout shades lol AND our water heater went last night so we need to replace that ASAP, so that's $1500 we weren't expecting to shell out, minimum
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nidena
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Post by nidena on Jul 31, 2022 17:18:20 GMT -5
frugalpokermama , My four cents: Avalanche method (highest rate first): Chase 805.00 40,053.22 18.24%/15.74 BT Capital One 54.00 4005.52 17.90% Disney 40.00 217.26 16.99% (realistically, this will get paid off within six months of making $40 payments so its order is irrelevant) PNC HELOC 356.14 53,618.12 5.49 Hyundai 397.77 22,891.17 4.50 Hyundai Palisade 775.11 55,691.59 4.2% Samsung 33.17 601.29 0 Snowball method (lowest balance first): Disney 40.00 217.26 16.99% Samsung 33.17 601.29 0 Capital One 54.00 4005.52 17.90% Hyundai 397.77 22,891.17 4.50 Chase 805.00 40,053.22 18.24%/15.74 BT PNC HELOC 356.14 53,618.12 5.49 Hyundai Palisade 775.11 55,691.59 4.2%
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Post by frugalpokermama on Jul 31, 2022 18:54:53 GMT -5
frugalpokermama , My four cents: Avalanche method (highest rate first): Chase 805.00 40,053.22 18.24%/15.74 BT Capital One 54.00 4005.52 17.90% Disney 40.00 217.26 16.99% (realistically, this will get paid off within six months of making $40 payments so its order is irrelevant) PNC HELOC 356.14 53,618.12 5.49 Hyundai 397.77 22,891.17 4.50 Hyundai Palisade 775.11 55,691.59 4.2% Samsung 33.17 601.29 0 Snowball method (lowest balance first): Disney 40.00 217.26 16.99% Samsung 33.17 601.29 0 Capital One 54.00 4005.52 17.90% Hyundai 397.77 22,891.17 4.50 Chase 805.00 40,053.22 18.24%/15.74 BT PNC HELOC 356.14 53,618.12 5.49 Hyundai Palisade 775.11 55,691.59 4.2% I know snowball is usually best, but the interest rate is high on the CC so I may do the avalanche.
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Post by frugalpokermama on Aug 2, 2022 18:15:32 GMT -5
Or should I do the snowball as I know that has worked in the past?
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nidena
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Post by nidena on Aug 2, 2022 18:59:23 GMT -5
Or should I do the snowball as I know that has worked in the past? No reason that you can't do a mix of them. Snowball the CCs since the lower two are pretty low balances. Obliterate Disney. Then focus on Cap One. Followed by Chase. Chase is such a high balance at a high rate that I would definitely throw everything you can at that one before you even think about attacking the home or auto loans. Samsung likely gets paid every time you pay your phone bill so it's a non-issue unless you really want to re-direct that $33/mo.
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Post by frugalpokermama on Aug 2, 2022 22:05:29 GMT -5
Or should I do the snowball as I know that has worked in the past? No reason that you can't do a mix of them. Snowball the CCs since the lower two are pretty low balances. Obliterate Disney. Then focus on Cap One. Followed by Chase. Chase is such a high balance at a high rate that I would definitely throw everything you can at that one before you even think about attacking the home or auto loans. Samsung likely gets paid every time you pay your phone bill so it's a non-issue unless you really want to re-direct that $33/mo. The Disney I paid off when I did the bills, so that's now at 0. The Samsung is separate from my bill so it's just the 33 a month that I wouldn't mind paying off with my next commission check and just be done with it. So that'll leave the Capital One and Chase that I need to pay off, first and foremost. Then the cars, then the heloc, then the mortgage.
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nikiz628
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Post by nikiz628 on Aug 2, 2022 22:06:31 GMT -5
I need to post my updates soon, but let me just say: I feel like we are HEMORRHAGING money right now. The last part of the year always feels like that, but its started earlier this year and I was not prepared. I wish I had won that 1.2 billion lottery jackpot.
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chiver78
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Post by chiver78 on Aug 3, 2022 8:09:01 GMT -5
I need to post my updates soon, but let me just say: I feel like we are HEMORRHAGING money right now. The last part of the year always feels like that, but its started earlier this year and I was not prepared. I wish I had won that 1.2 billion lottery jackpot. I totally feel you. after all the projects I listed my last update, I need to add $1k for irrigation work (including piping out to that shower that's on the list) and a lovely $600 starter for my car. we'll both get through this!
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nidena
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Post by nidena on Aug 3, 2022 9:06:41 GMT -5
No reason that you can't do a mix of them. Snowball the CCs since the lower two are pretty low balances. Obliterate Disney. Then focus on Cap One. Followed by Chase. Chase is such a high balance at a high rate that I would definitely throw everything you can at that one before you even think about attacking the home or auto loans. Samsung likely gets paid every time you pay your phone bill so it's a non-issue unless you really want to re-direct that $33/mo. The Disney I paid off when I did the bills, so that's now at 0. The Samsung is separate from my bill so it's just the 33 a month that I wouldn't mind paying off with my next commission check and just be done with it. So that'll leave the Capital One and Chase that I need to pay off, first and foremost. Then the cars, then the heloc, then the mortgage. Sounds like a plan. And just keep your eyes peeled for possible .99 refi rates on the cars. I don't know if it will happen with the Feds having raised rates between banks but I know that I was able to refi my Honda last fall from 4.34% with American Heritage Federal CU to .99% with USAA so that's why I mention it. I'll be sure to put messages in the universe for your house to not have any more issues this year.
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Post by frugalpokermama on Aug 3, 2022 15:03:13 GMT -5
The Disney I paid off when I did the bills, so that's now at 0. The Samsung is separate from my bill so it's just the 33 a month that I wouldn't mind paying off with my next commission check and just be done with it. So that'll leave the Capital One and Chase that I need to pay off, first and foremost. Then the cars, then the heloc, then the mortgage. Sounds like a plan. And just keep your eyes peeled for possible .99 refi rates on the cars. I don't know if it will happen with the Feds having raised rates between banks but I know that I was able to refi my Honda last fall from 4.34% with American Heritage Federal CU to .99% with USAA so that's why I mention it. I'll be sure to put messages in the universe for your house to not have any more issues this year. Good idea! I just looked and with the raise in interest rates, they are coming in higher, so that won't work....and thank you!!!!!!
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nikiz628
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Post by nikiz628 on Aug 3, 2022 18:19:51 GMT -5
I need to post my updates soon, but let me just say: I feel like we are HEMORRHAGING money right now. The last part of the year always feels like that, but its started earlier this year and I was not prepared. I wish I had won that 1.2 billion lottery jackpot. I totally feel you. after all the projects I listed my last update, I need to add $1k for irrigation work (including piping out to that shower that's on the list) and a lovely $600 starter for my car. we'll both get through this! Yes we will! And hopefully quickly haha!
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nikiz628
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Post by nikiz628 on Aug 3, 2022 18:26:18 GMT -5
8/3/22 UPDATE RACE #4 RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24,945.53 | $14,307.57 | $13,978.25 | -329.32 |
NikiZ628(4) 8/3/22 $13,978.25 (6/26/19 $25,195 WIRR197)
Total Paid in 2022: $2,608.36 Total Amount Paid Off: $11,478.67
**I had a typo in the last updates tag line. It shouldve read 14,307.57 but i typed 13,307.57. Wishful thinking.
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minnesotapaintlady
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Post by minnesotapaintlady on Aug 3, 2022 18:39:13 GMT -5
Things are going to go at a crawl for awhile unless there are windfalls. Towards the end of September my 401K should max out and then things won't be quite so crazy tight. I'm starting to eyeball things I could sell too...yes, I'm looking at you pop-up camper. Squeezed out $300 though. Starting Balance $4037.04
June
| $220.40
| $3816/64 | July | $557.50 | $3259.14 | Aug
| $300.00 | $2959.14 | Sept | 0 | $2959.14 | Oct | 0 | $2959.14 | Nov | 0 | $2959.14 | Dec | 0 | $2959.14 |
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nikiz628
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Post by nikiz628 on Aug 3, 2022 18:57:59 GMT -5
UPDATE RACE #5
RACE #5 | INTEREST RATES | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Citi Best Buy | 0% Promos Only | 1,803.93 | 400.00 | 980.00 | +580.00 | Discover (loan) | 12.99% | 15,000.00 | 13,139.85 | 12,933.50 | -199.48 | Care Credit (DS1's Ortho Work) | 26.99% | 4,160.00 | 4,400.00 | 4,350.00 | -50.00 | Affirm Pool Payment | 27.97% | 3,804.44 | $0.00 | --- | Paid Off | TOTALS |
| 24,768.37 | 17,939.85 | 18,263.50 | -786.02 |
NikiZ628 (5): 8/3/22 $18,263.50 (9/22/21 $24,768.37 WIR271)
Best Buy is temporarily higher- H put some sidework expenses on it and will pay it back down when the customer pays him. Everything else got minimums until the back to school money vacuum shuts off.
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ners
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Post by ners on Aug 7, 2022 12:02:50 GMT -5
Race 2 Update
2886.56 (4/21/2018 $12,161.07 R172)
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chiver78
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Post by chiver78 on Aug 8, 2022 11:54:00 GMT -5
irritating update this month, apologies for length. projects update in the quote from last update, below in red. past that, the remaining bonus portion has landed this month. I paid a bit toward the Citi and a little toward the projects card that isn't being raced. I decided to throw about half of that small bonus into my online savings account to have a little more cash on hand. I'm also going to take advantage of a BT offer and move the projects card to another currently unused one - since they were so kind to reach out and advise I use it this month or they will close it. that means the remaining balance on that will be at 0% til early 2024. I can let that sit for a bit and fully focus my attention on that Citi card now. creditor | start | previous | today | 1st National | $24,168.63 | $14,550.98 | $14,550.98 | Citi #1 | $12,826.10 | $8,720.41 | $6,577.59 | SMCU | $11,958.93 | $11,046.81 | $10,921.81 | Citi #2 | $4,394.29 | $0
| $0 | BofA #2 | $7,820.39 | $0 | $0 | BofA #1 | $11,813.71 | $0 | $0 | American Express | $12,520.02 | $0 | $0 | Chase | $9586.41 | $0 | $0 | Discover #1 | $16,553.65 | $0 | $0 | Discover #2 | $14,278.26 | $0 | $0 | BCU | $12,304.92 | $0 | $0 | total | $138,495.31 | $34,318.20 | $31,722.14 |
chiver78 8/8/22 $31,722.14 (5/9/20 $138,495.31)
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nidena
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Post by nidena on Aug 9, 2022 12:17:52 GMT -5
chiver78, that is some shady shenanigans right there. It's good you had proof. I have to wonder how often other folx get overcharged for similar things.
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nidena
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Post by nidena on Aug 11, 2022 9:54:42 GMT -5
It's a good thing the new Exec Asst started last week. I've worked five shifts at the old office, this week and last week, and expect to go in on Friday to put in some more training with her. I say this because my car registration got paid last week and sirius got renewed then as well. I knew they were coming just didn't realize where they landed in the pay cycle.
I also succumbed and bought another chair for the front room. It's super comfy and so soft. The price was less than half of what it would have been because it was a discounted floor model. Now, I will have two chairs in my front room. I don't plan to get any more furniture for that room because I still need to paint all the walls in there and replace the flooring--radiant heat under tile instead of carpet--and don't want to have to move too much to get those things done. I bought the chair on Thursday and it is getting delivered today.
At some point, I'll be able to pay off BOTH my CCs in the same month. It's just going to be awhile. lol.
In other news, the third interview for the job that I applied for is tomorrow. It's in-person with the founder of the non-profit. I finished the pre-work this morning and submitted it just a bit ago. Fingers crossed that it meets whatever they were looking for.
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nidena
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Post by nidena on Aug 14, 2022 10:54:23 GMT -5
On Friday, I posted this on facebook as a way to summarize all the things that I plan on getting in the next year or so with a joke regarding if people want to send me any gift cards to help (mainly because I've helped enough of my friends, monetarily, that they may be wondering how they can pay me back (or they may not and I'm okay with that, too)): Upcoming purchases:
2022 New glasses -- $500ish New computer -- $800ish New TV -- $500ish Chair/couch for downstairs -- $500ish
2023 Clothes washer and dryer -- $1500ish for a set Radiant heat flooring for front room, dining room, and hallway -- $4000ish New tile flooring for those same areas -- $2000ish If anyone would like to sponsor a purchase or contribute a gift, I'm a big fan of Lowe's and Best Buy gift cards. I help make my home comfortable so that I rejuvenate and can then help others. IYKYK
My stepmom then comments this: I would like a new washer and dryer, new car and new triple pane windows for the house. Don’t forget us
Their income is 3x the amount of mine and their bills are about the same, maybe a few hundred more, but they're one of those couples that travels two or three times a year, normally, but hasn't since 2019 for obvious reasons. I found her comment to be quite hurtful. We haven't been arguing about anything so this was an unnecessary passive-aggressive statement. I thought of a half a dozen responses but didn't want to come off as a wounded C U Next Tuesday so commented this:
You'll just need to make a "after we return from Hawaii" list.
I'm still kind of reeling over it. This is the same woman who described her granddaughter (no relation to me): "She's really pretty, she just needed to lose 100lbs to be stunning; and she did!"
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debthaven
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Post by debthaven on Aug 14, 2022 15:53:12 GMT -5
Nidena your stepmom’s comment was indeed unkind.
This said, I would have been pretty shocked to see a post that looks a lot like ‘crowdfunding’ on my Facebook page. It’s great that you help your friends, but I’m guessing they can’t or don’t want to return the favor, or else they would have offered.
I have to admit that with those goals laid out in black and white, you’d need to earn just 500/month ‘extra’ to pay for them yourself.
I hope I haven’t offended you, and I hope you get that job so you can do what you want without having to rely on other people to ‘help’.
PS And if you feel all the help only goes one way … maybe you need to stop helping these people financially, or find a different way, or give to charities rather than to people? Because clearly you feel they ‘owe’ you, or else you wouldn’t have posted that.
All the best, as always.
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debthaven
Senior Associate
Joined: Apr 7, 2015 15:26:39 GMT -5
Posts: 10,325
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Post by debthaven on Aug 14, 2022 16:08:44 GMT -5
PS I had a FB friend from HS (ie 40 years ago) ask for help for her vet bills. She PMd me so I felt uncomfortable not sending her anything.
Then her DH became ill, and she posted asking for financial help. I unfollowed her before she could PM me for that too.
If that makes me a bitch, so be it.
To be clear, I barely knew her in HS, but we both live in Europe now so she feels that we’re close.
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,581
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Post by nidena on Aug 14, 2022 16:15:31 GMT -5
Nidena your stepmom’s comment was indeed unkind. This said, I would have been pretty shocked to see a post that looks a lot like ‘crowdfunding’ on my Facebook page. It’s great that you help your friends, but I’m guessing they can’t or don’t want to return the favor, or else they would have offered. I have to admit that with those goals laid out in black and white, you’d need to earn just 500/month ‘extra’ to pay for them yourself. I hope I haven’t offended you, and I hope you get that job so you can do what you want without having to rely on other people to ‘help’. PS And if you feel all the help only goes one way … maybe you need to stop helping financially, or find a different way, or give to charities rather than to people? Because clearly you feel they ‘owe’ you, or else you wouldn’t have posted that. All the best, as always. Amongst my crowd of friends, it's not all that uncommon. People post about the things they'll be buying or paying for quite often. I don't *expect* my friends to help me. I also don't expect that those I've helped to be the ones who might help me in the future, not monetarily anyway. Like one friend came and helped me move my desk into my office. A tremendous help, for sure, because it's removed a hurdle from a number of processes that were on hold with that desk sitting in my front room and not in my office where it belongs. But I'm a firm believer in that the help we receive often comes from unexpected sources and not necessarily from the ones that we've helped directly. It's more about the universe keeping things balanced. I'm not concerned about where I'll get the funds to pay for all the things that I need to get. They'll happen in time.
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