if anyone has any information/experience with crystal run health care? I have been offered a wah pt position (to supplement my ft day job) with them. The interviewer (online interview) said that they require a software purchase (that is supposed to be reimbursed at a later date) in order to provide me with a preloaded … Continue reading "Hello, I need to know"
about how much debt we’re going to try to pay back this year, how much production we’re realistically able to pull off, and how much we have detested the slow-but-steady increase in the pace of things around here every year. Our 2012 was beyond ridiculously busy. “All work and no play makes Kathryn go non-linear.” … Continue reading "I have had several “let’s be real” conversations"
Being the first full week of January, post holiday, it was time to really dive back into the planning and spreadsheets and calculations to figure out what we had on the immediate horizon for farm production (ie, income production) for 2013. While I had already been working on that stuff prior to last week, I … Continue reading "Last week was ….. interesting."
Cable is a touchy subject. We did just switch from Time Warner at $80 a month to Dish that is $40. Dh is all on board yet, so I can only cut certain places out. If we can’t go out then we have to have something is his reasoning. We could cut groceries more – … Continue reading "I just have a cell phone and no internet."
Aah before your mouth drops, she really enjoyed making her bouquets out of Hershey’s kisses, pink saran wrap and pipe cleaners. She would put two kisses flat end to flat end and then wrap the two in the plastic wrap.That would make the flower. Then affix a pipe cleaner to an end, if you have … Continue reading "When my daughter was younger she loved to give people a dozen roses"
funded trip to Denver Thursday-Sunday for business. I ended up spending the whole time in bed sick with the crud. I am still sick and the first available appt. is tomorrow at about 4:00 PM. Now dh is sick. Dh took me to a walk in clinic, but they did nothing to really help. Plus … Continue reading "We took a cash"
So far we’ve been very fortunate, each vehicle was been wonderful. Our last car we searched almost a year for. When we finally found the perfect fit to what we wanted, we were shocked that this particular car was less than we’d been finding from other dealers, and it had more options, brand spanking new … Continue reading "This is my big fear: buying a lemon"
He assumed we were poor and was giving us a hard time. I asked him politely to come down on the price. He said no rudely. I looked at DH and said ok let’s go. We left him there with his chin hanging as we left with our cash. He started blowing up my cellphone … Continue reading "I did have a lot of fun with a salesman the other day."
It’s hard to part with your hard earned/saved dollars. Every car purchase we’ve made in the past 9 years has been with cash, and I’ve felt sick to my stomach every time we’ve parted with those dollars. It’s emotional. It’s a lot of money and you hope you’re making the right decision. I have to … Continue reading "You’re normal"
we are FINALLY looking at a better car. We have the money in cash. The expedition we are looking at has a clean carfax and the dealer has a good rating with the BBB. We need the space as we don’t even fit in a minivan anymore. It is even below book value. I gets … Continue reading "After living on a tight budget for so long"
The only 2 checks we write now are one for the cash to fill envelopes and one to our church. Bill paying is so much easier with online banking, especially with a mortgage as our only debt and loan till payday from Florida. Dh and I still have ongoing conversations about what we’ll do when … Continue reading "I have all my bills set up for payment thru online banking"
I am a SAHM and DH is self-employed. We have been on Baby Step #2 for 19 months. I believe that Maurice talks about retirement should only be stopped for 18 months. Is that right? Or was it 18-24 months? I can wait another 6 months to start, but I’m not sure we will be … Continue reading "We are 38 and 42"
try to do as much as we can with fundraisers so we do put about $200 a yr aside for that for our son and his school. We do not do all of them since they have so many every year. We did stop soccer for the fall and will start up again in the … Continue reading "My wife and I"
Examples that we have/ had come up lately. Scout fundraiser, we buy 1 item from each kid roughly 16$ x 2 kids = 32$ (then they sell to the neighbors, friends, etc) School fundraiser, we let them pick 1 item each so they can attend the magic show, 15$ x 2 = 30$ (this year … Continue reading "How do you budget for the odd ball expenses?"
Every time I read that you aren’t current on the taxes and licenses, I worry about you. I know from reading your posts and your sig line that you have little ones, and I just don’t want anything bad to happen to you, especially while you have them in the car with you.
the min payment it $15 or higher, more than the 3 or 4 % of the balance. so if you have 4 cards with $100 balance on it, the min payment will be at least $15 (15% payment) that is a min payment of $60 where as one card with $400 balance will have a … Continue reading "If you have a cards with a $500 or less"
where her’s is on like 10 cc’s/accounts. so her monthly minimal payment will be more than yours. that is what makes it so much harder. but she is not in as bad shape as she thinks she is in. slow, yes, it will be a slow process, but because she has some debts with small … Continue reading "The biggest difference though s you debt is on one cc"
Have you seriously considered the following? At what age do you begin seriously planning for retirement? At what age do you begin to seriously think about your health in retirement? What if your health deteriorates, what provisions do you have for your care as you get older? I think some people tend to only consider … Continue reading "OK, just play along with my questions.."
Why do you feel guilty? Maybe because you know that you are only counting that match into your retirement to justify getting that sunroom a month or so sooner due to the extra you’ll have to throw at that budget item. That you are shortcutting your future finances by taking that extra 3% today for … Continue reading "If you’re following Maurice’s plan, you save 15%"