Let me start by saying our tax refund cannot come soon enough.
I have some bills I have GOT to get paid off. I was hoping they didn’t go to collections and end up on our credit reports that I have been trying for a year to improve… but I got to thinking after a year of trying to improve them and they’re still about the same, what the hell is the f***ing point? We can’t afford a mortgage anyway, and no one will loan to us with a bankruptcy on our records anyway, wo wht do I care. So, I am just not going to worry about them until the tax refund comes, then pay off the oldest ones and pay a bunch to the hospital for DH’s stupid fake heart attack acid reflux attack. It’s shit like that that’s making it impossible for us to move. Not only was there a hospital bill, but a slew of Dr bills since they all bill separately, then radiologists, pathologists, surgeons, etc. THANK GOD FOR BLUE CROSS however. The bills all came to around $25,000, and we only have to pay about $2000 of that… but that’s $2000 I don’t have at the moment. So it comes out of the tax refund plus the $500 or so in misc old medical bills I should have paid last year but didn’t because I am an idiot with money. And then I have to save $1500 to have for DH’s new medical stuff and Rx since we switched to a higher deductible plan so it’s cheaper… I’m beginning to think that was a bad idea. I think this plan is for healthy people. Crap. I *think* DH’s whole life insurance policy takes affect for the full amount soon. I’m sure I’m paying too much for it, but we were idiots and didn’t get life insurance before his heart attack and now he’s bascially uninsurable. He has life insurance through work that’s supposed to pay one year’s salary, but it still shows his old salary of $18,000, and now he makes $34,000. They’d better be changing it, but he needs to inquire, and I’m unsure how to approach Dh about it.
“Honey, you need to talk to your employer. Your life insurance isn’t going to pay me enough if you die… unexpectedly” LOL No, I’m not going to kill my husband. He’s worth more alive!How the hell long would $34000 last me? HAH not long enough I assure you. Especially not when my ADD stupid idiotic self got ahold of it.
I just want to get SOMETHING accomplished. I want to stop owing people a crapload of money, I want to stop living paycheck to paycheck and have a ton of cash advances over my head. I want to take some of that tax refund and call up the immigrant workers who do maintenance for the trailer park and have them come replace my front door with a shiney new one that opens inward and has a storm door and and actually closes and locks and everything!! THAT will be so amazing.
Friend (from my hometown) has agreed via emails to come over and help me install the hardwood laminate flooring in my living room when it’s time to do it. That’s the next thing to do after we get the door fixed. OMG I CANNOT wait!!!! I’ve already found the laminate I want. It’s a pretty color and is the cheapest Lowe’s carries. I don’t want to spend a fortune on this place when it more than likely will not end up making this place worth a great deal more money. An older remodeled and updated trailer can got for a lot (compared to untouched old dated trailer), but the more I can save the better. I want quality still, but it doesn’t need to be the kind they advertise on TV.
Dh’s first paycheck of the year has come and bascially gone. I don’t get paid again til the 15th, but I paid the internet bill so i can keep working, (although our router died today BAH!) and I paid the rent without getting a late fee! Yay me! I paid back 16’s friend who had loaned me $100 so I could feed the kids when I took him and 16 sight seeing in Gatlinburg and Pigeon Forge when he was visiting last week. Paid off DH’s cash advance and did not get a new one YAY!! But we spent more than we should have at the mall when 16 and I went and then when DH and I went. But to be honest, his check was huge, over $1000 and we hadn’t been able to really do anything nice in FOREVER. Not all the bills are paid and we still need to buy groceries to last til the 15th. Just a week now really. The girls all have money in their lunch accounts, so we’re good there. I just have to hope the electric company and water dept don’t go demanding to be paid since they are late. I know I could have paid them if we hadn’t wasted a couple hundred or more out and about, and that bugs me and bring out the GUILT. I hate guilt.
I did get a nice surprise today! DH brought in the mail. It was damp from the incessant rain, collections agencies, bounced check alert, medical bills, and one envelope from my employer out in California. If you don’t know, I telecommute to work, and actually work for two companies, one in WA state and one in CA. I thought it might have something to do with taxes, so I open it up, and it’s a single sheet of paper with a big smiley face on it that says “WOW!! You are appreciated! Thank you for your effort in 2008. Now let’s cheer for a Happy New Year!” and folded up inside the paper was a business card of the HR lady and a $50 bill!!!! I opened it and was like What the F***?! It seemed very strange, yet this company does very strange things. I’m not complaining. I’m guessing the $50 is gonna go to help buy groceries since I already splurged more than I wanted.
I’d like to put aside toward a new iPhone for DH. He saw one at Best Buy and after trying all the other phones and not liking them, he fell in love with the iPhone. He does need a good reliable phone since he is beginning to have to travel to other stores in his job, and his current phone is on its last legs. He told me tonight he found out (no idea how) that AT&T gives a discount of 23% to people with a discount card from DH’s company. AWESOME! So, yeah he’s getting an iPhone for Valentines Day… well if AT&T will approve the two year service plan anyway. Like I said our credit sucks. But I’m paying over $30 a month for his minutes on his phone now and he hates his plan and phone and it’s roaming if you leave like the county. The iPhone plan I’m getting him is $90/month (well before fees and taxes I guess) so not terrible more expensive after the initial $200 for the phone. He works hard (at work) and deserves to have something new and shiney.
Ok enough rambling. Good night!
