Friday, June 15, 2012

Friday, frustrated, but trying to count my blessings

     I am trying so hard to create this budget that allows us to live on $1000.00 less and I am slapped down at every turn.  Hubby is completely out of meds.  That will be $90.00.  Daughter called last night and she had been pulled over for a bad headlamp, she did not have her proof of insurance with her (her fault), but she was not sighted.  So now I have to buy headlamps for an expensive foreign car.   She still does not have a summer job.  The shop has been very slow this week.  I do have some work but very little. 

     On a better note, I received the theater bill for the last show and it was about $400.00 less than I expected.  I also found out yesterday that my car loan is being sold by Bank of America.  Now I do not like any of my loans to be out of my reach.  I want to pay my house, and cars locally.  If there is a problem you can go to the bank and they can fix it.  You don't have to call and talk to a foreigner.  So I bopped down to the CU and asked them if they would rewrite this loan.  It was at 2.99%.  I was a little scared as last year at this time, I bought the car and we refinanced the house, and we bought daughters little car and we refinanced the studio debt.  Because we had so many new credit dings it lowered our FICO by over 100 points.  So I went from a 780 to a 680 in two weeks.

     Good news:  My score was back up to 795 and they rewrote the loan at 2.49% no questions asked.

     We do have the money to pay all of Junes bills and enough to pay most of July with out any more money coming in, so I just have to count my blessings and quit worrying all the time about the future.

I just hate the fact that every time I turn around someone needs close to $100.00.  Where do they get it?  From me and I have to earn it.  Okay, okay I will count my blessings.

I have a job, my husband has a job, we have great credit, we do have some savings.  I need to have more faith.

Out My window:  It is supposed to be beautiful this weekend.

Have a great and productive day!



  1. These are the most important things, you are truly blessed, Kim! And it's awesome about the theater bill and a car loan!

  2. Good news about the theater bill. Keep push and working, you will be able to do this.

  3. Ok....a bill that's $400 less than expected and a lower rate on your loan(future savings on interest payments).
    It's a good start to better things to come.
    Once you face the numbers/bills they are less scary.
    So stand up to them and relax!
    And learn to say YES to Kim more and NO to others(who want your energy and money). ;-)
    Your free Sluggy life lesson for today.....and it's worth about what you pay for

  4. wow this is what I just did with the figuring a budget on a 1000 a month and then got online and saw your comment on my blog which led me to read this one! and wow 1000 a month budget can be a bit ugly! That is wonderful news on the theater bill though! I so relate to this post, thanks for sharing it!

  5. That's a great interest rate for the car! Also, when our car's lamp blew out I went and bought a bulb at Walmart then Googled how to change it myself (I think the shop wanted $2-$30 to change it out!).

  6. How's about listing the good things first? That might put you in a more positive frame of mind. It's hard when your DD doesn't have a summer job and you end up with some unexpected expenses - my DD has been looking for a 3rd job to augment her two little part-time gigs with no luck at all. It ain't easy being 21 these days...