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Exhausting Day

October 13th, 2016 at 04:47 am

Health:
Breakfast - Overnight oats, coffee, Good belly and orange juice.
Lunch/Dinner - Golden Corral (spent $65.00 there)
Snack - none
Fitness - nothing

I left work at 10 am to pick up my aunt and my cousin who "escorted" her through the airport and rode with her on the plane. He is a retired NYC police officer so she could not have been safer. So I took them over to my mom's, then my uncle's, then went to buy some lunch for my uncle, and then we had lunch at Golden Corral. I treated my sons, my aunt and my cousin. My parents did not want to go.

My cousin wanted to fly right back to NY since he works tomorrow which interfered with taking my son to his therapy appointment. The only solution was my cousin to come along to the therapy appointment and then we take him to the airport afterwards. He made his flight on time.

My town is enormous and all that driving made me so tired! After that I check in with my mom and my aunt to pick her up (my aunt) to take her to my uncle's house [are you guys following so far or did I lose you two paragraphs up?] I helped settle her in and I gave her my uncle's house key and then I went home, got in my bed clothes, flopped on the couch in front of the TV and zoned out for the night.

I'm so glad I'm at work today because I get more rest here than at home sometimes.

Little Splurge

October 12th, 2016 at 05:41 am

Stopped at Wendy's for a Frosty Float. So good! $2.78.

Did my one inspection and there were trees down all over including on the roof. The place was already condemned and slated for demolition anyway. I didn't enter but I have a feeling that my client wants me to. I encountered that issue with another property before and I fought it. They still paid me. But honestly, why would you want an interior inspection on a property that is condemned? It doesn't matter anymore if there is damage or not. The city has determined the structure to be unsafe and uninhabitable. I would think that the municipality's warning signage is enough.

While at the property, I accidentally locked my keys in the car and I could not find my little magnetic box with the spare under my car so I had to call DH for rescue. He was on his way to his side gig so I caught him in time before he got too much further. He found it and placed it where I could find it. Crisis averted!

Did my workout at the gym and some laundry. That was my day.

Extra Income

October 11th, 2016 at 04:44 am

Health:
Breakfast – Overnight oats, Good Belly, Orange Juice, Coffee
Lunch – Chicken breast sandwich
Dinner – BBQ Pork Tenderloin and tater tots
Fitness – Gym and personal trainer

Financial: Several developments came about yesterday.

I received a work order for an inspection from a client that hasn't sent one in a couple of months. That one should pay $25 and luckily it is near my neighborhood. I'll do this after work.

A potential new client is a landlord who needs help cleaning out his rental properties and preparing them for new tenants. We will meet with him at one of his vacant properties which is ready for work to provide him an estimate.

A work order from another client to remove a shed. My husband will decide how much to charge and will likely do the work on Friday or Saturday.

And my son has one inspection tomorrow, three on Friday and one on Saturday. That is a total of $250 that will go in his pocket at the end of the month. We pay him the full amount on any inspection he does.

That should help build up the account very nicely!

In other news, my aunt was supposed to fly in from NYC to help us with my uncle but then came the hurricane. So she is flying in tomorrow. I can't wait to see her! I love that woman because she is like a second mother to me.

Paying and Saving

October 10th, 2016 at 06:18 am

Well now that the hurricane is gone and things are back to normal in my world, I need to get back on track on my finances, my eating habits, and my fitness.

Health:
Breakfast – Overnight oats, Good Belly, Orange Juice, Coffee
Lunch – Chicken breast sandwich with chips and a coke
Dinner – Beef Stew and rice
Fitness – Thinking about fitness

Financial:
Good news is that now I am over half way toward my $1,000 savings goal. $25 is automatically deducted from my checking account and deposited to my savings account each payday. Last payday, I was able to add an additional $100. This payday, I was able to do the same. If I can continue this steadily, I could reach my targets in 4 more paydays (2 months).

Well, the wheels are turning on how to build upon that. However, there is still the debt to tackle. By the end of the month, CC1 should be under $14k.


We Are Safe!

October 9th, 2016 at 07:05 am

Just a quick update on Matthew and some quick facts:

We live in the southwestern side of Jacksonville, Florida (Duval County) and in Evacuation Zone D - the SAFEST area!

No flooding and no loss of power or cable tv in our neighborhood.

Some trees downed from the roots. At my house and my parents and uncle's house, only some small branches.

Evacuations mandatory for zones A, B and C.

The beaches area was zone A and we lost our pier which was rebuilt after Hurricane Floyd. The dunes are completely wiped out. Part of A1A south (highway along the beach) of us in Flagler was torn apart and is unpassable.

Our family and neighbors were very blessed and fortunate and I have prayers of gratitude.

Many many others are devastated and I pray for their quick recovery.

Thanks everyone for your thoughts during this very stressful time!


Storm Readiness

October 6th, 2016 at 05:16 am

Fueled up cars
Bottled water
Ready to eat meals
Snacks
Beer
Wine
Sodas
Charged up phones and tablets
Secured patio furniture, trash bins, and plants
Caught up on laundry
Medicines ready
Stocked up on toilet paper
Batteries for radio and flashlights
Candles and matches
Books and magazines
Cleaned the house

Now we wait.

Spending and Matthew

October 1st, 2016 at 05:55 am

Health:
Breakfast - coffee
Lunch - 1 slice bacon & 1 egg on 1 slice toast and green tea
Snack - apple
Dinner - International potluck at church. I’ll bring spaghetti & meat sauce because its what I have on hand. I’m going to keep away from the dessert table because I gained a lot of weight in the last couple of weeks due to stress.

Spending (Start $70, End 18.52):
A flat of jumbo eggs = 3.99
Chicken nuggets (not the frozen Tyson’s type) = 4.50
Gas = 35
Haircut = 7.99 (My uncle received a coupon from Great Clips and he let me have it). Price includes tip.

Looks like Hurricane Matthew may be messing up our weather mid-week. I’m on an audit team at work on Tuesday and Wednesday which requires me to be outdoors and traveling from building to building. Normally I work indoors. I sure as heck don’t want to be out in the rain. As of this writing, the storm is a category 4 and if it follows the projected trajectory, Florida is in the outer cone, meaning that we will definitely feel the effects. I guess depending on the forecast, the emergency weather team can make the call on what operations need to be postponed. For Hermine, they closed for one day. You know what? I’m not worrying about it.

A&L 3rd Quarter 2016

September 30th, 2016 at 05:22 am

One thing I realized when I started this blog is that I didn’t have a full picture of my financial situation. The numbers below are mine. DH and I keep our finances separate. We have an arrangement of who pays for what and it has worked for us for nearly 25 years.

My credit score = 727 (according to Mint, update coming in mid-October)

Total Savings (Cash) = 960.76 I guess in reality, I am a lot closer to having $1,000 saved in cash but these are divided up for specific items.
Emergency = 407.82 (my goal is funding to $1,000)
Automotive Insurance (due in March) = 115.21 ($500 goal)
CCW Dues & Cards (the dues portion is fully funded now) = 40.15
Christmas Gifts (this is cash and does not include gift cards I’ve accumulated)= 70.96 ($200 goal)
Clothes/Makeup/Hair = 20.00 (fully funded for hair so far).
Gym annual fee x 4 @ 39.99 = 21.00 ($160 goal for August 2017)
Healthcare (this is time off work without pay) = 130.18 (1-1/2 days worth so far – goal is 3 days)
DS3’s Senior Year expenses (he is a junior this year) = 63.58 (goal is $700)
Sharebuilder (I’m building some cash to buy shares. I already have investments) = 7.63 (goal is $100)
Travel = 44.38 (goal is $1000)
Change jars (combined) = 40.47(no real goal – $100 as a stash fund)

Total Investments = 44,015.70
Fidelity 401k = 22,922.48
Sharebuilder = 21.093.22

Home Value (according to Zillow) = 96,000 (rounded)
Car Value (according to wherever Mint gets its information) = 8,000 (rounded)

Total Assets = 148,975.56

******************************************
Debt Balances = 123,363.23
CC1 = 14,245.90 (9.90% APR Fixed)
CC2 = 3,953.36 (15% APR Variable)
Student Loan = 18,039.78 (2.8% Fixed)
Mortgage = 87,124.19 (6.375% Fixed - Maturity date = 6/1/2036)

Total Liabilities = 123,363.23

*******************************************
Expenses
DH and I split these up. DH takes care of the cell phone bill (DS1, DS2, my parents contribute), the mortgage, his own fuel, automotive insurance (though I just started saving for my car to contribute) and most of the groceries.
***********************************************
My expenses are as follows (budget for the month) = 717.36
Electric and water (budget) = 200 (variable)
My fuel = 160 per month (variable)
Alarm company = 54
Internet service = 86
Gym membership for the family = 87.36
Groceries (sometimes I buy) = 100 (variable)
Tithe = 30 month
***********************
Health:
Breakfast – Grilled cheese, orange juice, coffee
Lunch – Breakfast burrito (ham, egg, cheese), banana
Dinner – Garbanzo soup with white rice
Snack - apple

Back to Normal

September 29th, 2016 at 04:54 am

Sort of back to normal. My uncle had heart stents put in on Monday afternoon and was discharged from the hospital on Tuesday afternoon. Yesterday, the home health nurse came to do his evaluation and today, the physical therapist will come.

My uncle's neighbor will be assisting him with getting up out of bed in the morning since he is unsteady on his feet and help him get to bed. She is a Godsend!

My aunt will be flying in from New York next week to stay with him while we go to our original trip to Miami to see my dad's brother who has Alzheimer's and of course, his sisters. If you recall a couple of weeks ago, a series of unfortunate events occurred that caused us to cancel our trip.

So, I'm back at work today and working to get my own life back to normal. I gained weight because I haven't been tracking my food and also I haven't exercised. My family, as understanding as they are, were feeling a bit neglected. It is amazing how one event can turn your routine upside down.

Financial: DH gets paid today and he will pay the mortgage tomorrow. As for my spending... well, lets just say I dread tallying my receipts.

Health (today):
Breakfast - overnight oats and coffee
Lunch - ham, egg, cheese burrito
Dinner - ?????
Snack - banana
Workout - personal trainer and 30-minutes cardio.
Goal - lose 2 pounds by October 7th.

Update

September 25th, 2016 at 05:53 am

My uncle as of last night is doing well. My mom and I stayed with him from 9:30 until 7:15 when the night shift came on. I'll be there probably around 10 or 11 today. Hopefully the social worker at the hospital will come around. I have a list of needs for him after his discharge.

I texted my boss to tell him I would be out Monday and maybe Tuesday.

I am baking a birthday cake for DS3. His birthday is on the 28th (Wednesday) and we planned to take him to the arcade and buy pizza. I'll see how I can work this in.

Thanks everyone for your concerns and advice. The extra support helps!

Hospital Stay

September 24th, 2016 at 04:47 am

I took my uncle to see his doctor yesterday morning. His EKG showed abnormality so he ordered a visit to the ER. Long story short, he had a heart attack.

After doing tests including a heart cath, results show nearly 100% blockage and they are considering a CABG. My uncle who is 89 does not want surgery. He is widowed and they never had children so I'm his surrogate "daughter" and power of attorney.

I'm hoping for a home health nurse to be there for him whenever he gets discharged. Although he is here until next week (he's having a fit about staying in the hospital).

Needless to say, I'm feeling a bit distressed. I stayed with him all day and overnight. Came home at 7 am and am planning to return to the hospital at 9.

Prayers requested for recovery for him, and strength, endurance and wisdom for me and my family. Thanks!