User Real IP - 3.233.224.8
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Viewing the 'Uncategorized' Category: Craig's trying to figure it all out!
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Car is fixed for now!

September 10th, 2010 at 01:25 am

Had AAA tow the car this AM to the shop and they got it in right away. $402.27 later the redid the front brakes, readjsuted the rear brakes and replaced the rack and pinion boot. Also the tranny was way low on fluid for some reason. Time to watch the tranny fluid closely to see if it is leaking from somewhere. Also got an estimate from the Tranny shop $1488.62 to rebuild the transmission and it would take 3 days. Atleast I don't have to come up with that money this week but may soon depending on what the car does. But then again it is cheaper then buying a new car as everything else is in pretty decent shape for a 1993 model year car in IA.

uuuhhhhh, the car!

September 9th, 2010 at 12:28 am

Well the car will be headed to the shop tomorrow. We were on our way home from doing some window shopping and teh transmission started running high RPMs. Got block from home and it wouldn't shift into gear at all. Pulled over and glanced under the hood. Transmission fluid was fine but will probably have to have it taken into the transmission shop to verify it is fine. The power steering pump hose is leaking though as it looks like something hot hit it and tore it up abit. We'll have AAA tow it to our mechanic in the morning as they said they could get it in an looked at. They don't do transmissions but if it needs to be towed elsewhere AAA will pay that as well.

Look for updated tomorrow as to what this is going to set me back. Frown

Craig

Lazy day today!

September 7th, 2010 at 02:02 pm

Well today is my day off so a lazy day is on the horizon. I did work all weekend and worked hard at that. Also worked yesterday and will be receiveing a $100 bonus for working the holiday on that pay check as well. Bills are almost all paid but a couple hundred I charged to my credit card for some tools last week. I'll pay that out of my next check end of next week.

Craig

Bills are paid!

September 3rd, 2010 at 11:33 pm

Well jsut got paid today and managed to pay all the monthly bills but a couple. The only things I didn't pay today was the car insurance which comes out on the 23rd automatically and my CC that I used for my last tool purchase that will get paid on the 28th when it is due.

Did get the wifes check cleared. Their regualar accountant was out sick and the temp wrote a check out of the wrong account. No biggie they came and gave the wife a check from an account that had funds in it. We added that to the grocery/ eat out money for the month.

This still leaves up almost $1000 in the checking account once everything clears the bank for the next 2 weeks till I get paid again.

Craig

Sometimes you have to spend a little to make a little.

September 2nd, 2010 at 01:53 am

Well I did spend some cash today. Items purchased are for work to make my job faster and more effiecient. My employer provides me the basic tools to get my job done but not all the bells and whistles to get it done efficiently. This effects me in a few ways.

1- Being in a comissioned based job my commission for the week is also figured into hourly rate based on my logged hours for my vacation pay. The less I work and more I make pushes my hourly wage up so I get paid more for vacation/ holiday pay.

2- Being more organized and being able to work faster allows more jobs in a day with less trips to the truck and overall more effiecient. Which means more money.

3- Everything I've bought will help offset taxes at the end of the year.

So today I purchased:

Gas Powered Auger for digging post holes for our support poles when pole mounting satellites. $315

Small 12V Milwaukee handheld right angle drill for removing and replacing wall plates and working in tight spots. Repalcing 3-6 wall plates at a house can easily eat up an hours worth of time with those little screws by hand. $225

I still have a few more tools to invest in but those will wait another week or 4.

Craig

SO's paycheck...

September 1st, 2010 at 06:01 pm

Well went to the bank today to cash the SO's paycheck to add another $102.50 to cash on hand bringing us up to $200. Got to the bank waited in line to find out there wasn't enough in her bosses account to cash the check. We use the same bank so they always verify funds before cashing or depositing to help prevent fees. The SO now has to contact her boss to find out when we can cash the check. Glad we aren't needing that money desperately this week as we had in the past when both of us were on unemployment.

On the plus side we only need $485 from my check on Friday plus whats left in the checking account to cover all the bills for September. Friday morning I will get up and pay all the bills once my check has been direct deposited. I think I'm going to pull $300 cash out for our Grocery/ Cat Litter/ Paper goods for September. Also I want to try to not eat out more then once for the entire month. The last 3 weeks we ate out once a week buy for the 3 months before that we only ate out twice. We still have alot of meat in the freezer and plenty of meals we can toss in the crock pot also that are easy to make.

Hoping to try an put atleast $1000 away this month for hte slower winter months when it is just harder to get the jobs in because of the weather.

Craig

Where did the last 6 1/2 months go....

August 31st, 2010 at 07:02 pm

I know, I've was sitting around mostly while on unemployment trying to find a job. I have finally found a great job that rewards me for the amount of work I do, I got hired on at DirecTV as an installer. The more I do the more I make, also the benefits are outstanding and should kick in here in a week or two. Spent 5 weeks in training but have been out on my own the last few weeks. Moneywise we are doing well. No outstanding debts but the wifes' student loan with about $5500 to pay on it. Credit cards are all paid off but a $6 charge on one for shipping an item, yeah I could have just used my debit card but I didn't. Rent went up slightly this year to $780 a month for our 1100 sq ft apartment, 2 garages, and cats but still not a bad price considering the only utilities I have to pay are electric and internet. Plus I don't have to do any lawn care or snow removal.

I am making better money then I have ever in the past 10 years I was working as a brick layer so hopefully I can get a nice chunck of money put away for the slower winter months when its jsut takes longer to put a job in.

Now to update my sidebar and attempt to keep up to date posting here again when I have the time.

Craig

Some spending and other ideas...

February 14th, 2010 at 04:39 am

Well day started out heated with the wife. Ended up going out to breakfast cost of $12.00 at the local breakfast house for a good omlet and a steak. Stopped this evening and got some taco shells and made taco for dinner, had everything else. Also purchased a 6 pack of Hansens Natural Soda, still not good for me but better then Pepsi or Coke.

Still not talking to the wife but it will pass at some point, she just really irked me this morning. Maybe tomorrow, maybe not.

Thinking of setting up a fish tank again. I've got the costs all layed out and 95% of the planning done. I could cover it with money I made over the last few weeks selling items on Craigslist and Ebay but having a hard time to commiting to spending the money. It is a relaxing hobby for me and provides me with something to do, but still not sure I want to spend the money on it.

One thing I noticed is that I like to have cash and the feel of cash but spending it is such a hard thing to commit to when it is a larger sum of money. Until yesterday I had been caring around a couple grand and just he feel of it kept me from spending it. I put it into the bank and it is much easier to spend as it doesn't feel the same sitting in the bank.

Well its been one of those days and I'm getting really bored again.

Craig

All kinds of a Good Friday!

February 12th, 2010 at 06:53 pm

Couldn't ask for a much better day, lots of good news and things have gone through.

Woke up this morning to find the Federal Tax refund has been deposited into the bank. $3500 to savings, $3000 of which will go to probably my ING account as it atleast gets some interest. Paid off the remaining balances on my Dell Credit account $1348.51, CC#1 $306, CC#2 $349, CC#3 $325, also mailed the remaining $300 payment to my grandparents for the help when we were both layed off and hadn't got the first check in yet. That was a huge thing for me to get them paid off, and I got it done 3 months in advance. I also left about $500 in the checking as I needed to stock up on my vitamins and supplements (ordered from Puritans Pride and took advantage of there Buy 2 get 3 Free deal at puritan.com this is also the same brand as Vitamin World). Lastly I paid $113.98 to AAA as I like to keep it as I've used it several times and has more then paid for itself in the last 4 years.

I got paid right away from my Ebay sale last night and withdrew it to my Bank account this will go into saving along with the $1600 I deposited today from items sold over the last few weeks.

So next week I should have $5000 to transfer to my ING account at 1.27% interest.

Got the confirmation letter today from the Unemployment Office with a gauruntee of another 17 weeks of unemployment if i need it. Have a line on a new job but with all the snow and cold weather will probably be another month atleast before I can count on it.

With everyone paid up and paid off I went and redid the budget.

Bills and Spending

Rent: $745
Sprint: $127
Qwest: $ 70
Alliant Energy: $117
Sallie Mae: $ 81
Auto Savings: $ 25
Gas for Auto: $260
Food: $500
Misc: $ 50
Laundry Quarters$ 30
---------------------
Total: $2080

Monthly Income

Craig: $1652
Wife: $1004
---------------------
Total: $2656

Monthly Difference +$576

Note we don't have too much misc spending as we eat and prepare all of our meals at home, baby is breat fed, cloth diapers and if he wants food gets what we eat veggies, eggs, etc. We do most of our laundry here at the apartment but if we have alot of items I take them over to my mothers house and do them or she offers to do them for us, a perk when you gift them 6 month old front loading washer and dryers when we moved. This saves us some money and time but I do still have to atleast take and drop them off.

So barring any major vehicle problems we should be able to start putting even more money away.

My goal for the remainder of this month is to use less gas in the vehicles, put as much as I can into savings, more NSD as I don't really need anything I just go to browse when I get bored. Also I want to keep up with my blogging as it keeps me more in check.

Sorry for the long post everyone have a great weekend.

Ebay Item SOLD!

February 12th, 2010 at 01:30 am

Got one of my ebay items sold. $385 before fees and listing charges. I should net around $345 after fees and listing charges come out. Buyer paid instantly which was great. With item and shipping minus paypal $412.45 is being transfered to checking. $45 is for shipping as it is a large item and it is headed to Canada so that always costs extra but buyer is paying the charges.

Have a couple smaller items to sell yet they have multiple watchers just no bids yet or bids are still at $0.99

Got my extension....

February 10th, 2010 at 01:50 am

Well I got my Unemployment extension at least I'm pretty sure I did. Checked this mornign and I have funds in my UE account again. Not sure if it is from refiguring the rest of last year or the extension as the numbers do match up. I'll find out in the next week as to what my benefit amount is if it is the extension.

Craig

Had some fun and put some items on Ebay!

February 8th, 2010 at 11:12 pm

Well a neighbor buddy and I took a trip down to the casino today. Didn't win anything but didn't spend mroe then I intended so it was great fun. Haven't had any guys time out in some time 3-4 months so it was well deserved.

Cost for today:

Breakfast at the casino buffet -$9.36
Slot machine fun -$80.00
Gas money for driving +$10.00 (this cover gas down and back both!)

So all in all I padded the casino with $80.00 but it was fun. Some machines paid out well and some were more money hungry. Not something I would usually do but I needed a bit of fun and with all the snow had a hard time doing anything else.

Stopped at the mall on the way back and walked around for an hour or so, good exercise.

Listed 2 more items on ebay today, I have 2 more I want to list but being nice artwork not sure if I would get anything even close to what we paid out of them, they are a matched set and we paid $232 each piece. Had them on Craigslst several times but no interest locally and would really like them gone.

Small spending and other ramblings....

February 7th, 2010 at 02:05 pm

Well I think I'm coming down wiht a small cold. Been stuffed up for the last couple of days. Doubt it will turn to anything else just hate having to think about taking cold meds for my sinus'.

Spent a little bit yesterday as we had a birhtday party to attend for some friends of your. A huge shin dig. we didn't stay long as we brought the little one and he was ready to sleep after we got there, but with all the people wasn't going to happen there. Made a Non dairy dip that went over well seemed to disappear super fast. Toffutis Sour Supreme (sour cream replacement), Chiftons Corn Relish from the wine store, some left over black beans. Put it all into the large dish and stir together. Super easy and not to expensive. Also purchased a nice chocolate bar for each of the birthday ladies (was a mother and daughter born 2 days apart)

Cost of yesterday:

Tofutis Sour Supreme $2.59- $2.00 off coupon at the store $0.59 final cost

Vosges Chocolate bars x3 ( I bought one for myself should last all week or more) $6.59 ea $19.77

Chiftons Corn Relish $6.99

Total Spent was $27.35

Will need gas in both vehicles today. Atleast gas has come down to $2.48 or about $0.05 cheaper per gallon then last time I filled up.

I did pay all the house hold bills yesterday. Once the federal return comes in I will pay off the last couple of balances on the CCs.

On the Craiglist side of things I have someoen coming to look at my topper form my truck, I've been trying to sell it since last year but couldn't even get interest in it. Decided to list it one more time and found a guy that wants to come look at it this morning. Asking $100 but would take $20 just to have it gone from my garage and have the space back. I had been offering it for free last summer and no one wanted it.

My item on Ebay is at $305 wiht 4 days left to go the reserve is set at $425 but I may lower it so I can get the item sold but will wait a couple of days to do that.

Craig