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Archive for March, 2005

not alot going on at home....

March 14th, 2005 at 03:58 pm

i didnt have enough money to pay my dsl bill so im at my folks useing the computer. its just an aggriveation to be here and have to drive 20 miles to get here and back home. but i come every day for feeding the horses and taking care of moms dogs. so its not that bad.

still trying to come up with the money and work on things. its getting to be a bit aggrivating..but il make it work. so i may not post much for a week or 2 till i get things figured out.

other thanthat..im still clipping coupons and doing thing like that. im trying to get my horse broke and get work things figured out. but things are still hectic. im hopeing to get the pilons pourd for my trailer tommrow. if they call back..im not holding my breath tho. so things will work out..just gotta take a while.

i paid bills using a credit card

March 10th, 2005 at 09:32 am

ook, i need to get my budget figured out. with joe not working, as much as id like or making money as much as he would durring the summer, i have to figure out how to pay the bills i have with what i have. not an easy task.

so what im goning to do is try to get the bills i have pared down to a manageable amount. it may take a while but i should be able to do it. right now..my budget is as follows...

1. house payment
2. cell phone ( i only have a cell, no landline)
3. car ins
4. satalite dish ( we live in an area where there is no picking up any channles without the dish)
5. truck payment
6. credit card payments
7. vet bill/ horses ( i have 2 horses that live at my folks house)
8. utility bill
9. propane payment
10. gas for my vehicles
11. walmart and misc ( cleaning, meds exct)
12. food

theres not alot of wiggle room, but the ways i think i can do the best to help myself is to cut back on the satalite payment, its at the top 180 and the showtime stations. if i cut back to just the 120, and my locals, i think id get it at like 30 less a month. a definate idea. i dont watch too much tv anyway excpt the regular chanles and food network.

when i move to the new trailer, there wont be a propane payment anymore as the whole house is elect. so that will save me there, however, my elect will probly go from between 140-150 to over 200 a month. wich as long as i keep it under 300, im still saving money on that. that is a goal on my part.

the vet/ horses isnt much, i spent about 50 a month average on my horses. but i dotn anticipate getting rid of them. they make me happy and i can cut out something else to keep them.

truck payment..wont go down. however, when hubby fell i did refinance and get it cut by 50 a month and the payments that were only for the next 17 months, went back to the next 2 yrs, but i can live with that.

what i need every month to live..bare bones..basic bills listed above..aprox 950. i get aprox 450 a month child support, and the rest, if i got that part tiem job would be coverd by the 800 id make part time there. however, id like to find a way to continute to be a stay at home mom and not have to work. but thats my idea. i need to find 500 a month. i think the best idea would be the working part time. if i did 3 days a week...preferably when my son was home to take care of my girls, it would be better, but then id have the expence of paying my son for sitting costs. everything has a reaction and an challenge. oh well, back to the paper to see what i can do.

have a good day

ahhh the joys of planning....and then it dont work out....

March 8th, 2005 at 07:45 pm

my husband owns a business, we sell scrap metal. till last week, a ton of steel has gone for $100 a ton. today its going for 80. and on top of that, we ran out of propane and acetalyne. thats gonna set us back 30 right there. adn we only made 50 today. so thats a bad thing. the worst thing about this is im needing 400 to pay the bills. and i only have 100 so far. the other 300 i guess ill have to put on the card. then if joe makes enough this month, i can send that back in to my credit card company. i hope to anyway. ive been looking for part time work. at a local nursing home i can make 10 an hour. that means if i work 3 days a week, ill bring home about 400 for the pay period of 2 weeks.

i cant really complain about that. i have about 900 in bills every month, id have less but i just bought a new trialier to put out at my folks house. so i have an extra 150 on that to pay a month. with the job, and my child support, i can pay all my bills, plus have some to pay twords my credit card bills. i only have about 800 on 3 cards. so thats not too bad. but id like to pay them down and use them only for emergenices.

the plans ive been making is to draw out my floor plan and decide where to put it all when i move in my trailer. its going out to the farm, my moms place, so i will tap into her well, and only be about 200 feet from her house if i need her or she needs me. she has 8 acers out there and my horses run on 6.5 of them. my best thought is when i wake up in the morning, i can look out my window and see my horses. ive never got to do that and it just makes me so happy.

along with thoes plans are a new household notebook to keep in my kitchen. this has all the chore lists, the phone numbers bills ect in it so i can keep track. im really trying to get things ready for this. i wont be able to move till june. and the goal is to get rid of 70% of my stuff. the reason is when i left my ex husband, i took what i could grab. i didnt pack or do anything. just stored it all. and for 2 yrs paid storage costs. bad idea i know, but i did. and now i have so much to go thru and get rid of. not just mine, but things my kids have and the things dh joe brought into the marriage that we really dont need. lots of plans, lots of ideas. lots of time thank goodness.

tommrow my plans are

1. dr apt for dd on adhd meds check up
2. dr apt for dh 30 mins after hers
3. run by folks house and feed my babies
4. more lists
5. get dh oxygen and actelyen for work
6. see if i can find more boxes
7. the huge mountian of laundry needs folded and put up

full day ahead of me. hope tommrow is better.