ACK!! Ladies I've been missing you!!!
Such news in our home!! Let me get you up to date
In November dh was still working for Citibank and looking for a new job. He had some interviews and such at a church. Things looked promising, but they've been that way before. Right before Thanksgiving dh came hom efomr work at about 9am. He was white as a ghost and just sat on the bed with his coat still on staring at the wall. In a very quiet voice he said, "I can't go back there. They sent me home." He had been telling me that he had real issues with his job. Yes, ppl owed them money. But some had just lost jobs, or lost limbs, had major surgery, had spouses die, and other things. THey had real legit reasons to be behind in their debts (we'fe all been there haven't we...) but he was not allowed to care, empathize, comfort, or discuss. He had to demand money and he couldn't do it any more. I guess he broke down and had an anxiety attack as he walked onto the floor. So, in November dh quit his job.
It wasn't until mid December that we got the wonderful news. Dh had been hired on at the church!! It is a job he loves. He looks forward to going in and even comes home excited
Now, what we are doing financially......
We have paid off one credit card.
We are changing our cell phones. I know they are a luxury but with dh's type of work they are needed. So, our local phone company has a deal right now... home phone, 1500 shared minutes, and high speed internet for 116 a month!!! That is cheaper than we pay now for just our cells!! With this plan we save about 80 dollars a month!!
We get our tax return soon. We should be able to pay off one car, which will drop our insurance plus free up 100 a month. We are also paying off a small loan of 1000 and maybe part of a credit card!!
We are buying a house. This should work out great too. Why?? A city in our area is rehabbing the entire city. We are looking at homes that cost over 200k to build. The city is selling thema t 110k. We are eligible for 35k in grants! Our house should cost about 75k
Making our house payment about 600 a month which is 125 less than our last rental!
Thats enough good....now the bad....
Dh's last employer mailed us a check at the beginning of the month. On friday they took it back! 368.00 Then we get a letter that says they goofed and we still owe them 268!! (We are fighting this)
We were in a car accident before xmas and had to borrow from my sister the 500 deductible.
We borrwed 500 from a friend to cover the 368 that the company took. We were given NO warning. They just took it out. It had been in for 14 days already and we had spent it on paying bills. So borrowing the money kept us from having about 18 checks overdraft (we don't use plastic just cash and checks...so much easier to keep track of). At 30 a check thats saving us
540 on just the overdrafts not counting the actual amount the checks were for.
We borrowed 200 from FIL due to the fact that dh was without work for a month.
We were also victims of a pothole, midwest winter raods suck. Now we have to put new rims ont he car because 2 of them are bent and wont let the tire hold air.
So, in a matter of 2 weeks we went in debt 1500.00
That really sux
Whenever we finally start to get ahead we just crash even harder.