I have been reading the blogs and will continue to read them, but I figured this would be my last chance to post for a while.
For OPSEC reasons once I get to my final destination I am told I will have to friend a OPSEC officer on my facebook and also tell them about any blogs I have. I figure IF I don't post anything and just read that will save me from having to disclose that. I like to post without anyone knowing me, so the idea of someone knowing it is my blog and my financial stats bothers me enough not to post to a while.
So a recap since I last posted.
I left my State and went to another State for a while (during which I left for a bit for training in another state), then I left the country for more training, and hopefully soon I will leave the country I am in for the final destination. I am really really ready to settle in.
About a month before I left home my Boy Friend started paying the Utilities. So the Gas/Electric, Internet and Water Bill are now being handled my him. I expect this to continue once I get home and since that amounts to around the price of renting a room in a house in town I am going to be happy with that.
I was on a prepaid cell phone plan and that ended about 3 days after I went out of range of service, so the timing was very good.
I also had internet available to me while in the second state I was in but I choose not to purchase it. They had many different price plans from $3.50 a hour to $40 a month. Lately I have not had internet available to me except at a internet cafe and truthfully I am thinking maybe I will skip out on the internet once I get to my final destination or maybe buy it every other month. There are a few differenet options but a months worth of dial up is $40, so if I can go without or maybe buy every other month that savings will add up. Also my coworker is my roommate, more than likely we will be on different shifts so we might be able to share an internet package which would be nice.
I have been buying a few things here and there at the shoppette and thought I had spent more than I had. I purchased things to send home a care package to both my son and my bf, and also a surge protector and multiple socket adaptors. But all an all, my average daily spending was like $2.50 every three days or so, which is much less than I thought I had been spending. The big purchase days seem to have stuck in my mind but there were only three of them and $20 or $30 is not really HUGE.
I finally see why people seem to make stupid purchases on a deployment. I am getting tired of sitting on my bed. I can totally understand how someone who normally has little to no bills and is now making alot more money (not me, I am making the same after factoring out extra bills) could decide to splurge on something like maybe a lazyboy chair shipped overseas.
Another issue is I am buying stuff, such as extra PT uniforms and such because the laundry cycle is such that you go 8 days before you get clothing back because there is a four day turn around and at any given time they have between 4 and 8 days worth of your clothing. Trust me wearing the same gross sweaty shorts and T-Shirt you worked out in and then wearing it to bed is gross so you need extra. So I bought more, I also am having my BF mail me some that I left at home. For whatever reason I asked how many PT uniforms we were issued and was told 2 pairs and left the rest that I had purchased for myself at home. There was a reason I had purchased more in the past. So I bought an additional pair in the second state to hold me over, basically one in the wash, then one to wear and one spare (but in this case one to wear in the gym and one to wear when not working out). The pair I wear to work out gets washed and the wear to when not working out becomes my workout pair, wear and repeat.
My hope (possible splurge) is once I get there, I hope I can find someone who is leaving that has a 8' by 5' or about that size rug for sale. I am so tired of cement floors or dirty tile floors.
I have not had any pay hickups yet...keep your figures crossed so once I get to my final destination I am all set to have 100% of my take home pay put into SDP until it is maxed out. I am actually looking forward to that being fully funded so I can see where I am in my checkbook and start putting money back into my Emergency Fund. No reason to have more money in my checking account then needed when my savings will give me a little interest.
Well that is all for now. I will plan to supply you with an update once I go on R&R, but that is not for a real long time since I know from experience it is harder to go back after R&R.
Good luck on all your Money Missions and goals.
I have been reading the blogs and will continue to read them, but I figured this would be my last chance to post for a while.
Okay so I am getting ready to deploy. I have a Netflix account, I have my favorite Movies on DVD (like 10).
I am worried that the internet I can purchase will be to slow to stream DVD's. The top speed is 1MSPB or some combination of letters that start with M. I do not want to carry a huge binder of DVD Movies, I would like to have the Movies on a hard drive.
What is the legal way to do this? Is there a legal way to get my Favorite Movies in a Digital Version. PS my favorite favorite Movie is a 1954 movie called Seven Brides for Seven Brothers...It cost $45 YEARS ago special order to get it in DVD version, Much much cheaper now with EBAY and Amazon.
I see SOME movies (Not the favorites I really want) are available for purchase with a Blueray copy, but this means you have to have the TIME to buy the DVD and then enter a code into your computer (that is verified---note need internet also), all in order to not carry around the DVD.
I was hoping someone knew of a site where you could pay to just do a file download of your favorite movies....Kinda like buying individual MP3 downloads. Or am I totally off base since DVD's cost $20 and MP3 downloads are like $.99 to $2.99 each.
Thanks for knowledge.
Well High Spending, acted too quickly, pondering the future.
The short version, longer version to follow later about my car repair on Friday and Future Car discussions with BF.
Today the Sprinkler guy came to fix the head that popped up from the ground. He also (main reason) fixed the cut line from the post hole auger. He also adjusted some heads so they were not hitting the fence. $60
This afternoon the AC/furnace guy came. He blew out the AC drain, put some gel tab thingys in and poured water down drain. He also let some Freeon out ( I guess we had a bit too much in). Hopefully those things fixed the leak. He could not find a reason for the leak so it could have been the tooo much freeon which was causing the coils to freeze then thaw and when thawing leaking under the unit. Waiting on the bill. I did ask him to please rush the bill since I was leaving in two weeks. Some times it takes them a while to bill.
I am still on hold for someone to come out and fix the window.
I have a dentist appointment for DS tomorrow after school.
I have my car going into the shop for a bunch of little things on Friday, so I took that day off.
I then have a Doctors appointment for DS on Monday the 12th.
I think that is all of my to do list. Sadly not wanting to see the bills from all these projects but no choice since I do not have a magic pay the bills fairy.
Tomorrow my stuff will be loaded into the conex and I will be done with my deployment stuff.
Tonight I plan to mow the grass, BF did not do it this weekend and I forgot my grass stained yardwork shoes at work so I did not do it. I wanted to do it since BF is going to have to do it every week once I am gone. Not sure why BF did not do it this weekend BUT I think he is starting to be bummed out that it is getting close to time for me to leave.
DS is getting a bit more hyper, not sure if it is because I am leaving or the fact that we have TV again. I saw a decrease in his hyperness when I disconnected the TV years ago. Then I saw another decrease in hyperness when BF moved in. I hope it is just DS's way of reacting to my soon departure. That way once I am gone he can calm down. My cousins have even MORE cable channels than we do, so I am hoping it is not the cable.
Well my retirement account is down....Down $5600.00 since July 1st. Ouch!!!
I had been thinking lately about my retirement goals now that there is talk about switching up the retirement plan that I was suppose to be working towards.
Max Emergency Fund
My Future goal is to (Sept 2012 and later):
#1 Each year Max Roth IRA
#2 Pay off Mortgage as fast as possible
#3 Once Mortgage is paid off invest in stock market
*** ???#4 Build up Pre-Retirement account to 100K
My old plan 2010 and prior:
#1 Max my pre-tax Retirement acoount (16,500 per year)
#2 Build up my Emergency Fund
That is a big swing. I am still liking my new goal but I think it would be nice to have 100K in my retirement account before a certain point, but with this drop of nearly 6K, it makes that distance from where I am now to that 100K goal seem like it might not happen.
The school lunch program is such a pain in my lower backside.
They use a 6 digit pin to pay for their lunches. They enter the pin number once, and the students name appears on the registers screen. The adult asks the child if their name is _____, if the child says yes or nods then the number is charged.
The school district 7 miles away has the child use their thumb scan. Now that would be nice.
Well once again this year I am battling the unauthorized charges issue. This year I put NO money in my childs account. It was at a zero balance, until yesterday. Yesterday my son brings home a note saying his account was $1.75 short. This means the charge was placed this school year (last year lunch was $1.50).
My son has had cold lunch everyday, #1 because I need to limit his dairy, #2 because the money in his lunch account last year seemed to have a leak.
Well I called the school and left a message yesterday after I got the note. I then called back this morning. The charge was tracked to ANOTHER school. So the charge will be removed. I had his account flagged. His account now says NO Breakfast, NO Lunch CASH ONLY. Hopefully this WORKS.
Our School district has a NO hunger policy, so I am not sure IF this will help.
The policy is that a elementary school student can charge lunch without a problem no matter the negative balance in the account. In Junior high the student is allowed to charge a cheese sandwich or the main entree and Senior high the student can only charge a cheese sandwich.
So if the lunch person at the other school whom allowed this student whom is not my child to use my childs account sees the note but the child wants food she might ignore the CASH ONLY note just like she/he ignored the note on the screen about that account number belonging to a student in another school.
I need to get a note from my son's doctor so he can get juice instead of milk with his meals. Since my cousin will be having my son use hot lunch and the standard is milk.
I have 3 weeks left until I leave my home for Mob Station.
I had a talk with a girl whom went to the same deployment location last year. I was talking about stuff I was packing and she said she had wished she had an item I was still planning on throwing in my carry on. I asked her to clearify because I was told they have a HUGE PX there. Well she said she is frugel and the stuff there was over-priced. Her Secret deoderant was $1.50 more than it was at home. She said that IF you printed off the price at Wal-Mart they would price match BUT still. It would be a pain to go write down the size of every product they carry that you use, so before you go buy your shampoo and deoderant, toothbrush etc you can go and print out an ad from a national chain so you can price match EVERY item EVERY time.
So I went through my stock pile and packed more, orginally I packed enough toothpaste, toothbrushes, and Pads to last overseas.
Well I added Mouthwash, Lotion, Shampoo, Shaving Gel, Conditioner, Johnson's Buddies Bar Soap, and Hair Ties. I packed the stuff I already had in my stockpile at home, no additional shopping. During the next 3 weeks my plan is to use up all the little samples I have in my house in an attempt to downsize the stockpile clutter some more.
Once I get home then I will work on building my stockpile back up, in an orderly way. I want to have atleast one spare but I would like to figure out a way to make it easy to find what I am looking for. Maybe plastic Shoe Pouch hanging on the back of the bathroom door. See my shelves are so deep that stuff is hard to find at times even if it is in bins.
To Do List:
I need to call a glass repairman and get my broken window fixed. It is starting to get cold in the evenings.
I also need to call the furnace people, I think the overflow container on my AC is full and causing the water to come out the bottom instead of through the pipes.
I also need to call my sprinkler guy and have him repair the broken sprinkler line where BF broke it with the post hole auger. I also want him to adjust a head that due to dirt moving on a slope (or possibly a gopher) it is no longer flush with the ground it is sticking up in the air.
Then I need to take my car in and have it get an oil change, have the light socket on the rear marker light replaced, Have the ABS break light checked out and get a second set of keys and a new remote car starter FOB.
I also need to follow up again with my former childcare provider for a refund. They charged me $55 in activities fees for 2011-2012 school year even though they said they were not going to let my child ride. They also pulled my September payment out $165 last MAY. They pre-pay ;I really think the Pay for September in May thing is dumb but I suppose it is their way of locking in clients. BUT if they are going to drop clients they need to be prepared to refund the money. I have a feeling I am going to have to prove the overcharge.
I need to transfer some money into my checkbook...I want to have my emergency fund in my checking account incase something happens and my pay is disrupted. I can transfer the money back after my deployment. BUT I doubt I will, the money has two purposes. 1 the money is there in case of paycheck being disrupted, and 2 it is there so I can live off of that and put the money deposited into my account into SDP. I wonder how much of a allowance I should give myself. I know there are things I will want to buy or need to buy because I spaced them off, but I am not sure how much to put into my account for that.
I asked Bf when he was planning on paying the water bill due on the first and he had totally spaced it.
So tonight he filled out the bills and the forms for bill pay for water/garbage and for autopay and balanced billing on the Elec/Gas.
So now it is a done deal....No worries. The Cable bill is paid in advance so when he gets the first bill it will be for two months...Besides that it is in his name already and It is not a "Bad Bill" because if he does not pay then it does not fall back on me, it is sent to collections in his name only.
I think the problem with the bills is he has all his other bills auto withdrawn so he just is not used to actually mailing in bills.
Now that we set up the bills I feel so much better, I no longer feel like a sugar mama...Once I get back from deployment I am planning on having him install the landline phone back....Since it is a non-mortgage/House insurance bill I will have him pick up the tab for it and then we can be content with his household expenses contributions. Basically I will be covering $980 per month and he will be covering $300-350.
A room in town rents for $350, so that is not a bad deal for him and since I am the one that benefits from the homeownership, having him pick up the utilites is cool for me.
My BF was injured at work a while back, then when he was physically able to return to work his boss had gaven BF's job to the bosses nephew. So basically he was getting back on his feet when we met. So now after all this time he is finally got an Emergency Fund. So now that the bills are finally locked in...I am not upset it took so long. I am glad he has an emergency fund, so no harm no foul.
Last week I had drill, it was crazy long.
Monday got up at 5:30am we got to bed at 3:30am the following morning.
Tuesday up at 6:30am we got home at 6pm. I had stuff to get done so bed at 10pm.
Wednesday up at 5:30am we got home at 10:30pm.
Thursday up at 5:30 dismissed at 6:30pm.
Friday up at 5:30 dismissed at 6:00pm.
Saturday worked 9am-11am.
There were issues with food and scheduling so on top of lack of sleep I was also very hungry Monday and Tuesday.
But while on vacation I got my two doctor appointments done. My glasses came in last week but due to the hours I worked I could not pick them up. I will be picking them up tonight.
I have to repack a few bags since I took stuff out to sew. I need to find my matching padlocks then I plan to bring it in to work.
I was suppose to be all packed Friday but then they gave us full-timers an excuse since we will actually need our stuff between now and when we leave where as the other will not need them.
I got the utilites switched over to my BF's name. He will be paying the utilities while I am gone. The first bill is due on the 31 (city water) and he has yet to pay it. I just printed off the auto bill pay forms from the website so he can set up autopay out of his checking if he wants.
I am a bit concerned, IF he does not pay then the utilities will get turned off. Kinda hard to live with turned off utilities. In my state IF the renter does not pay the landlord is responsible BUT I will not be around to pay them so if he does not pay them then the company can just turn them off until he remembers to pay. I guess the fact that he is waiting this close to the bill being due to pay it bothers me. I like to pay a bill that I do not have on autopay right away or go online and schedule a payment as soon as I get a bill so I do not forget.
When we had talked in the past he came off as liking timely bills, but now that we are at that point I am not seeing it. In fact I am seeing the opposite.
He himmed and hawed about rent. First it was he had to finish off the Student loan that went to collections while he was on workers comp then unemployed (had 5 payments of 25% of his take home). Then he could not get out of his contract with his landlord (landlord did not want to relist it)...Not sure if I believe that because there is a housing shortage in town. BUT maybe he did not want to bother to follow up to prove the landlord rerented the apartment, and take him to small claims court.
Anyway, months went by and May became June (oops 5 payments not 4 to SL) and then June became July. Well now it is August and He has YET to pay me the $525 (his old rent amount) but now says $600 (half bills) per month he was going to pay for rent.
It is August and I said I would prefer him to pay the utilities and then him put the difference into a savings account so that if repairs come up he has the funds and then when I get home the leftover can be used to pay for some of the house repair projects we have planned (Deck, Patio, Shed).
I don't want to have to deal with odd deductions for utilities out of my checking account while I am deployed and I don't want to have to figure out how to handle him paying rent then paying him back if he has to repairs etc.
He says the Cable company double billed him and so he told them to eat the bill...Instead of working through it. Well it went to collections and he had to pay off that bill before they would allow him to take over responsibilty of the account.
When we called the ELEC/GAS company he also had an outstanding bill for his appartment. Since it was less that $20 they just added it to the new bill. It was $10 plus $0.11 late fee.
When we called the water bill people there was no issue , and that he can pull his name off the bill at any time. Yep, except for him needing water there is no incentive for him to actually pay the bill.
Not sure what to do...I feel like a Sugar Mama again. I realize there is not much extra cost with him living here (a bit more AC and a bit more Water) and he was picking up the tab for the majority of the groceries but why tell me he is going to pay rent if he does not want to.
I need to call the AC people and have them look at my furnance, I think the overflow container is full.
I also need to make an appointment to have a broken window fixed.
I also need to call my sprinkler guy. BF installed a fence and three posts from the end (Middle of yard) he punctured the sprinkler line. He went to Menards and Lowes to look for a repair kit and could not find one and has yet to go to a hardware store. So I think I am just going to call the sprinkler guy and pay to have him do the repair.
The fence is not done, it is functional but it needs a bit of fine touches...He was planning on putting a top around it. And some area where the panels did not meet filler boards need to be added I guess if necessary if he never gets to it I could just cut down the posts and put caps on them and be done. He spent $1000 on matterials.
Yes that was nice, we have a nice almost functional fence (need to figure out a lock for the gate (keeps openning unless you put lots of heavy rocks on the one side). Also there is only a gate on one side the other is not done yet.
We needed a fence for his dog. It was not an expense I NEEDED so I don't feel like the fence makes up for not following through on the rent promise. Also he said he was going to get a special door that attaches to the sliding glass door so that his dog could come and go as she pleased. I am certain he said he ordered it, well it did not come with the fence matterial and then he said he had to order it....Still not here so I am guessing he never ordered it.