I got my new glasses, I do really really like the anti-glare coating that they say helps with eye fatigue.
Not sure if it really helps with eye fatigue but there is no white glare on my lenses when I take a photo. I actually think my eyes are tired, but the prescription is correct, I flip flopped between new glasses and old glasses....I LOVE not having a scratch right in front of my eye. I think my eyes are tired because I am used to my glasses fading into the background and I am not used to these new plastic frames, so I keep catching myself focusing on the frame outline.
I am wearing the least flattering pair, Yeah I know why would I wear the least flattering pair.
I look best in smaller glasses and this pair is the largest (I think it is a medium size). But this pair has the narrow-est sides, hinged sides and a solid color.
The pair I look the best in #3, and when I bought them figured they would look the best on me...But they have thick sides, atleast thicker than I am used too. I am used to just moving my eyes to see to the side, not used to having to move my head because of having glasses sides blocking my paripherial view.
The second pair: I like the smaller sides, the sides are a bit bigger than pair one, but half the size of #3. The shape of the lens is not bad, but the color is black and red. I am used to wearing thin metal glasses. So I have to work up to wearing the Louder red and black glasses.
I am really impressed with the glasses, I am probubly going to order a pair of prescription sun glasses from the company. I am going to try on pair number two (black and red) when I get home and picture them with sunglass lenses in them. I think that pair would be really cute as sun glassses.
So I found out that I can get repayed for the cost of my passport. I have a receipt for the processing fee $25. I do not have a receipt for the actual cost of the passport.
When I applied for my passport, I only got a receipt for my transaction fee because that one was the one cashed by the receiving entity. I should have used a Credit Card, because then I would have atleast gotten a Credit Card processing receipt. (But at that time I applied we did not have information that they would repay use the fee).
I emailed the passport people, they do not issue receipts...I paid by check.
My check was electronically processed, I emailed the bank and asked for a receipt of some kind for the transaction, I wrote a check for a receipt BUT the check was electronically processed, so no voided check. Well the bank sent me back a form to complete and every option was basically for invalid electronic charges....The charge was not invalid I just want proof of the transaction.
I want the $140 refund , BUT I will not get my bank statement for a month (the transaction cleared the 20th and the end date of the statement is the 17th) and do not really want to submit my monthly bank statement to my employer.
I am not sure what to do at this point, I think I will have to go into the bank with the form letter they sent out and see if I can get anywhere.
Viewing the 'Personal Finance' Category
I got my new glasses, I do really really like the anti-glare coating that they say helps with eye fatigue.
Darn it, I just know I will end up stopping at the store tonight to buy laundry soap.
I am starting to get my head around stuff I am going to need for deployment. One of those things is sheets for my bed. Well luckily I have them already. See I got a twin bed after my mother passed away. On Black Friday I purchased two sheet sets and a comforter for that bed. I had some sheets from my mother but wanted the bed to look nice.
So those two sheet sets I bought and the comforter (well they will be packed in my tuff box). The thing is one set of sheets and the comforter have been on the bed and need to be washed. The other set of sheets are new-in-bag, so they also need to be washed to remove that NEW sheets itchiness.
Last night I did laundry, I used the last of my prefered laundry soap (ANY Brand of non-scented HE Soap). So I started using the Emergency Soap AKA Scented Non-HE (I have a HE washer).
The Emergency Laundry Soap is stuff we have for whatever reason but it is not HE or non-scented. I have Cheer liquid (I only use on my ACU's because it does not contain optical brightners), I purchased a huge bottle years ago and still have two small bottles. (I transfered it to smaller bottles later to take up less room). Then we have two bottles of scented non-HE Tide (BF purchased it before we met), plus I had two small bottles of cheap liquid laundry soup from when CVS gave them away for 50 cents on Black Friday. So yes I have LOTs of Laundry Soap, but I have allergies. So anything I wash to pack away for the deployment, I want to wash with unscented laundry soap so my allergies are not going crazy.
It will not be very expensive, I would just grab it when we go grociery shopping next. BUT I don't want to wait until the 22nd of April to get this done. When I want to do something I want to do it ASAP.
I guess there is a chance that BF will go to the store for a few grocieries before the 22nd so maybe I can wait it out. Maybe just Maybe I will be able to resist the urge to go the the store.
OH I also decided this year after I finish the rummage sale any leftover clothing will be going to the thrift store for the tax deduction. It seems like normally I sell about 75% of my non-clothing items and like 10% of the clothing items when I have a rummage sale so this year, after it is over the clothing items are going to be entered into my excell spreadsheet I have for donations and off they will go for tax deduction.
This weekend was good. I only spent $10 on daycare, we were let out a little early Friday Night because of whatever reason the class/speaker we were having could not make it, so they cut friday night early, so that if we had to add the briefing in on Saturday or Sunday those days did not seem so long.
I am ALWAYS beat after a Friday-Saturday-Sunday drill. I spent the evenings of Saturday and Sunday falling asleep AKA taking naps.
On Friday I filled gas, $40.02. But Saturday and Sunday were no spend days.
This weekend we were issued our tough boxes. As far as I know this box will be going directly from here to the final deployment destination so I am thinking long and hard about what to put in it.
I am planning on just leaving it at work (it fits in my office) and slowly bring stuff to work to fill it. The box is too big for my car, so if I take it home I need to coordinate how to get it home then once it is filled coordinate how to get it back to work, SOOO it is staying here and I will fill it as I figure out what I can live without until I get to the final destination.
So far I have 9 months worth of SOME toliterys inside. I got the toliteries free or cheap when I used to CVS shop so I took then stuff out of the boxes and bags and put them into gallon zip lock bags (less air and extra waterproof layer). I have the space since I don't plan on bringing stuff like Video games etc.
I figure that 9 months is a good amount, that way I am not packing more than I will use but I am packing enough that I will not be spending money on that kind of stuff right from the beginning. If I do not already have the tolietry items at home (purchased free or cheap) I will make sure I have one of the item in my hygiene bag and a spare in one of my duffles (incase the one in my hygiene kit gets lost or stolen) and I will just buy what I need as I go.
This weekend we had our supply showdown, and our Admin Records Review. There is two new forms for the family care plan. Now to make sure I can explain to my Ex-husband the forms so he signs them without giving me much lip.
Well today, I took proactive measures for the no paycheck period. I stopped most of my auto transfers.
I tried to figure out what my paycheck will be for 8 days. This is not exact as I am not sure how much they take out for taxes, but I have a ballpark. I claim Single 2 or 3, I don't remember exactly. I should probubly just claim tax exempt, but I am woried about something happenning and then owing big time.
Anyway back to the topic at hand,
I turned off the automatic payment from my checkbook (where paycheck goes) to my savings accounts that my mortgage, my Emergency Fund, and My Escrow Account are paid out of. Until I get my first paycheck following the govt restart I will not be funding these accounts they will be paying out without being replenished. Once I get paid I will figure out what should have been deposited and schedule 1 catchup payment and reset up my autopayments.
This means I need to pay my elec/gas, dental premium, cell phone, internet, and water/waste bill, PLUS gasoline for my car until I get a paycheck I figure this is $250 per month. I am also suppose to pre-pay the Sept daycare bill on May 1st.
I should have enough money to last 3 months of no pay without having to dip into Savings to start to pay the above bills as long as I do not have to buy grocieries.
I guess it is going to be a raid the pantry/freezer until the govt shutdown is over, event.
The good news is no paycheck will Force me to limit spending and so when I finally do get my paycheck and all that back pay, I should be able to hopefully knock out the savings goals with all the money I saved by cutting the spending from the beginning.
Tax time is approaching, I was reviewing my retirement plans.
Two Big areas I need to work on: Mortgage Prepayment and Roth IRA.
I found a Mortgage excel document that I plugged my info into. I hope that once I have my Emergency Funds to where I want them that I will be motivated to apply ALL or Most extra funds to my mortgage loan because I have the document magically cutting interest and reducing the length on my mortgage; basically showing me progress.
Roth IRA, Last year in March I put money in my Roth IRA; I maxed it for 2009. Well last year and so far this year I have not put anything in for 2010.
I wonder has anyone ever regretted not fully funding their Roth IRA the year before? See I am looking at money I have ear marked for other things (Daycare expenses which whatever is not used are going to fund the checking account cushion AKA Deployment Emergency Fund). I wonder, if I don't put that money into the Roth IRA before the tax deadline that opportunity is gone forever, will I regret it?
If I was spending it on junk, instead of the money just sitting in savings I could say without a doubt YES I regret it.
Right now I have another two years until my 5 year window is finished, so if there was an Emergency I can't pull out the deposits with out penalty and taxes for atleast 2 years. If I was outside the 5 year window it would be a no brainer because IF I really needed it I could just pull it out.
So I wonder is it really a big deal to miss putting money in a Roth IRA?
I stopped at my diet center. I want to complete a detox because I have been having major sugar and salt cravings. The detox will also help me jump start my diet. I need to lose weight prior to 26 May.
I spent $25 on a bottle of detox and this will last for 5 (3day) detoxes. I also purchased a $25 bottle of appetite appeaser this will also last for 5 (3 day) detoxes. I normally use slimquick when I diet BUT when I detox I don't want to MIX products so I use the diet aid from the same product line.
Spent $54 diet after tax.
I wanted to buy some bannanas to mix into the protein shakes I have been eatting for breakfast. But I realized if I am going to be detoxing for the next three days it can wait until BF gets back to buy groceries. The bannana is mainly to cut down on the taste. I purchased some meal replacement shake powder, and I did not realize they were vanilla creme. I dislike the creme taste. So I have been mixing two different protein meal replacement products to reduce the creme taste. It has been working and a quarter of a bannana will totally wipe out the lingering taste without adding too many calories to my diet.
Diet Aids: $54
DS Allowance $5
BF Trip Cash $5
Deployment Expenses $11.00
Easter Baskets $64.20
APRIL MONTH TO DATE:
So last night I realized I needed to start the look out for new running shoes as they no longer make the style number I have. Mine are old and when I run in them my arches start to ache within like 3 minutes.
I have been putting this off for a while. I went online and checked about five different sites. They all had the shoes listed for $84.99. But then I checked kohl's. The good news was I got Free shipping and there was a coupon code online for 30% off. Plus Kohl's sale price was $5 cheaper. So I saved $30 a pair. Yes, I bought two pairs because after taxes and everything they were $55 each. Which was too much of a deal to pass up.
Yes, you are might be thinking what is she thinking, buying two pairs of shoes instead of just one. Well the reason for it is....I need one pair now. And if I doing my math right this pair will wear out about half way through my deployment. I am worried that I will either break, lose, or have this one pair stolen and so I want a spare pair at home. I also have never shopped online and dealt with APO shipping so I figured it would be easier to buy them now and then if I need them before I come home for R&R then I can have BF ship them, instead of possibly having to pay jacked up prices because of the possibility of the cheapest provider not being APO friendly.
I talked to BF again about the fact I am broke. He let me cry and told me he understands and has been in my shoes and it is just going to take time to get back on our feet. He gave no ideas, no oh honey but I am going to pay the water bill, nope just yak yak yak about how it will all work out it time, it is just not been very long since my divorce and I just need to relax and let things settle into a pattern.
I knew I needed gas in my car, I need to pay my son's $24 dental bill and my water/waste bill is coming due soon. So this morning I took the gas that I purchased for the snowblower that does not use a oil mix and put it in my car. When I started the car it was nearly on E, oops thought I had a bit more. I now have almost a half tank of gas. I don't know if we will need to use the snowblower again or if it is just going to be shovel weather, and the tank is also the mower one (the grass is still covered in snow so don't need the gas for that yet, so I figured I would use it up).
I know when BF and I sorta talked about him moving in (did not talk about exact finances) anyway he said he would not stand for 2 Rosters in the hen house. Meaning EX could not stay there if he was. Well I am planning to tell him that I NEED to let the parasite live there while I am deployed because I can't afford the financial ramifications if he does not. I hope BF can deal with that. I know it will not be ideal BUT what does he expect for $225 a month rent (which he has not started paying). Yes, it will be ackward for everyone at first, but either everyone will get used to it or I guess BF will move out once he has saved enough money from leaving in my home to either rent an house that will allow a dog or have saved up for a down payment.
I think BF is a good guy, and I would hope he would be able to deal with the situation but in the end.
Not having my Ex live in the house while I am deployed will cost me.
$319.90 Child Support I am paid
$717 Child Support I would have to pay
Child Deduction 2012 taxes
Head of Household 2012 taxes
20% co pay of medical insurance instead of Full coverage
$250 Seperation Pay per month
Yep sure adds up fast.
I feel bad that BF is going to have to put up with my EX living in the basement in one of the spare bedrooms but I can't justify the financial losses.
I have had US Bank as my checking account home for 11 years, in that time I have earned just over $40.00 in checking rewards.
They used to pay every October when I first opened the account. A few years ago they changed it to once you got to $10.00 you could request the reward, but reward dollars were only good for 2 years, if you did not claim them or they did not get to the $10 limit you lost them.
Well Today I read another persons post about checking points and that got me thinking. So when I went into my checking account rewards section, it has changed again.
Now I have a balance of $0. Seems that the .01% reward on all debit card purchases has been changed to select businesses having different rewards points percentages, and the only businesses (5) that I actually use are not paying in store rewards just online rewards. But Rewards where reduced to requests allowed at $5.
I Do Not use my Debit Card online, I use my CC, then pay off the CC.
So since the Rewards Checking is of no reward to me I need to start looking at other Checking accounts so that I can find a rewarding partnership. I would like a local bank or an online bank that I can scan checks to. I do not like the idea of having to mail a check to be deposited into my checking (So ING orange Checking is out of the loop). What IF it is one of those rebate checks and it gets lost in the mail or delayed in the mail and it says on the check must be cashed within 30 days.
I went to the Savings Advice Forums and located a link for Checking Rewards based on my State. The problem is the higher paying ones don't have many Locations. I want to be able to bank when I am also out of state if need be.
The other thing that sucks is that I have almost all my automatic payments coming out of this non-rewarding account. I will have to go in and reset up all my automatic transfers etc. Oh well.
If BF is going to take over the utilities, I guess this is as good a time as any to start looking for another bank since some of the automatic payments would be stopping. I think I will have to keep this account open for a few more months though so that I know the afterschool daycare final autopayment clears on April 5th.
I am not looking for much.
1. Some Sort of Rewards - either from debit card usage or based on the balance I have in the checking account.
2. Free ATM usage at either their bank machines or at certain machines if online bank.
3. Online Access
4. Deposits made either at a local bank or online such as scanning the front and back of the check.
5. Overdraft insurance or low low fees.
6. No Debit Card required transactions (while deployed will need to use star card for cash not debit card).
7. allows actual checks. (again sorry ING)
I don't have a smart phone but I am thinking of going that way because I am thinking of going to Straight Talk which would be cheaper than I am paying for cell service now. So if the bank had a banking application that would be cool also. I know of one bank that does the check scanning that you can take a picture of the front and back of the check using your phone to make the deposit.
ING Orange is a No!
US Bank is what I am leaving!
Wish me luck...