I forgot to look at the DR forum while I was at the library. I’m frustrated tonight because it’s Friday night and I don’t have internet access. I’ll watch the DR show on FBN at 6pm (in about 5 minutes) then I’ll watch “Ghost Whisperer” at 7pm. After that, I don’t know what I’ll do. I’ll probably call Lynn and talk to her for a while. I’m so mad that Qwest is going to take until Wednesday to get it up and running. DR is on now so I’ll write more later.
I’m already tired and it’s only quarter past six. I think I’ll end up in bed early tonight. It really stinks that I don’t have internet. I know I keep harping on that but it’s really bugging me tonight. I checked with the library to see if they were open late tonight but they closed at 6pm. They open at 10am tomorrow. I guess I’ll try to go over in the morning.
I didn’t get my walk in today. I don’t feel bad about it though because it’s not a bad thing to take a day off. I’m hoping to get out there tomorrow morning. Sunday it’s supposed to snow so I don’t think I’ll be walking that morning. Again, it’s okay because I could do with a day or two off this week. I’m starting to feel a bit sore and I don’t want to over do.
I didn’t go over to Lisa’s this afternoon because I had a headache. It’s gone now. Yay! But I’m still really tired from not sleeping too well last night. I was so anxious about that meeting and it turned out to only last about 15 minutes. Oh well.
11:20 p.m. I went to bed before 9pm but I just woke up from a bad dream. I think it has something to do with tonight’s episode of “Ghost Whisperer”. It wasn’t scary because of the ghosts. It was creepy because the main character had been stalking a girl and was now stalking Melinda. That’s creepier to me than ghosts ever would be. I’m really not sure why it bothered me so much, but it did. Thankfully, David was home and there to hug me. I still feel upset though. I feel like I want to throw up. It’s not a pleasant feeling. I’d like to go back to bed but I’m afraid that I’ll start dreaming again. I’d rather stay up for a bit and get it out of my system.
Unfortunately David is watching a creepy old Lon Chaney movie. The music is very creepy. It’s not helping me to feel any better.
The dogs are out in the living room, on the couch. They won’t go to bed until I go back to bed. They are loyal dogs.
Maybe I just ate too much tonight. I spent half my grocery budget at the store earlier and too much of it was on impulse buys. Now I have $30 left for the rest of the week. I’m going to have to make it stretch. Anyway, I bought ice cream (two types of Skinny Cow) and had one of each. I think the stress got to me today and I ended up eating things I shouldn’t have eaten and buying things that I did not need to buy. I’m feeling bad about the impulse shopping and eating. I usually do better than that but tonight I was stressed and didn’t have the internet to take my mind off of things, so I ate. Not a good plan. I have to budget my food intake like we’re budgeting money. I can’t have it all at one time – money or food. That’s why we wrote down a budget – so we wouldn’t over spend. I need to do the same thing with food – so I won’t over eat.
I don’t know. I just feel weird tonight. Maybe it’s because I’m running out of my medicine and not taking the doses I need to take. I won’t be able to get my medicine for a while, at least not all of it. I guess I should get the stuff I really need now and get the rest of it later. I’ll have to see what’s in the budget and figure out what I can order. I’ll have to wait until I go to the library so I can go online and check out the cost of each medicine at the CareMark site. If I can just get my psych drugs, I’ll feel a whole lot better. I still have my anti-inflammatory and my muscle relaxant so I don’t need those immediately. I do however need my psych drugs as soon as possible. I wish I could check out the prices now and order them tonight. I’ll have to wait until tomorrow though.
It’s incredibly frustrating not having the internet at home. I can live without the phone right now because I have it forwarded to the cell phone and we just had our minutes renew again. But living without the internet stinks. Thankfully I figured out that I could ‘blog’ in Word and then copy it over to my blog when I get online. I need some kind of outlet and this is it.
I took that timed typing test. I received a score of 39 words per minute with 100% accuracy. I know I can type faster than 39wpm but I was nervous and was typing slow. I want to go to that site again and try a longer timed test and see how I do.
I was thinking about the Mardel job I applied for online (a department clerk). It would be so cool to get the job. It’s only about 2 miles from the house and it’s part time. I’m sure it doesn’t pay great but I could put in some hours and make some extra money that could go to the BEF and then the debt snowball. I also applied for that teller job. Since I don’t have any teller experience I don’t expect them to have much interest in me. I’m also not sure what effect not working the last seven years will have on my ability to get a job. I was honest too and said that I left work to go on disability. They might not want to hire me because of that either. But I have the PPWFC stuff (skills certificate, voc rehab) that could help me in the long run to get a job. I just have to be patient. I’m so used to getting a job whenever I apply for it that it’s weird for me to have to think of being rejected for a job. I have to face that it might take a while to get something. I might be in luck though because the holidays are coming up and a lot of places will be hiring for the holidays. Hopefully, if nothing else, I could get something working through the holidays. That would give me time to get something more permanent. I’ve also thought of applying at temp agencies. I would request to work only part-time positions, not full days. I don’t know that they’d have much work like that but I could look into it.
I’m surprised that David hasn’t been more ‘excited’ about my job search. He’s always trying to get me to work and now that I’m looking into it he’s not saying much. Just applying for jobs is a big deal for me. I’ve come over to the dark side again. lol I know he’s happy that I’m looking for work but I don’t know how he feels about me working part-time and only being able to make a certain amount each month before it affects my benefits. I can earn between whatever I want for the first nine months. If I don’t make over $640 in a month, then that month is not counted toward the 9 month trial work period. Any month that I make over $640 is counted as a TWP month. I have five years to get the 9 months in. I’m sure if I get to work though, that I’ll get the 9 months in pretty quick. I don’t want to work lots of long days though. I’d rather work a bunch of short days that add up. I’ll have to see what I’m offered first. I’m not going to be too picky. I just don’t want to earn over $900 after the 9 month TWP. If I do make over $900, it will affect my benefits. So I have to be careful of what I make per month.
I’m still feeling yucky but it’s better than it was. Getting my mind off of it has helped. And that creepy show that David was watching is over. Thank goodness. That music was getting to me.
I think I’ll wait to go back to bed. I’ll wait until David goes to bed. I don’t want to go to bed alone. I don’t really want to be up all night either though. David often stays up late after hockey games to unwind.
Gosh, I wish I could get online. I’d love to check out the DR forum. I miss seeing what’s going on there daily. I guess I was online a lot more than I should have been and the internet was taken away to slow me down some. I know I can’t get along without it though. Well, I don’t have to have minute by minute access to it anyway. I’m definitely addicted though because I have an emotional reaction to not having the internet available to me. At least I’m addicted to positive sites like the DR forum.
It’s officially Saturday now. It’s 12:20 a.m. The Red Sox play Cleveland tonight in game 6. The Sox need to win or they are out of the playoffs. If they can win the rest of the games then they would play the Rockies in the World Series. That would be a fun series. It’ll still be fun if it’s the Rockies and the Tribe. David has hockey so he won’t be able to see the game. That kind of stinks. It could be the last game if the Sox lose. But that won’t happen!
Joe Torrie, the Yankees manager, turned down a one year, five million dollar contract to come back next year. Must be nice to be able to turn down five million dollars for one years work. Actually it’s one season, not even a full year. Anyway, it will be weird that he’s not the manager of the Yankees.
Every time there’s a commercial or show they say ‘find us on the web at www blah, blah, blah. It irritates me because I can’t go on the web.
What a bunch of junk there is on TV this time of night. David’s watching his favorite infomercial right now. It’s on a colon cleanser. Yuck! He really believes this stuff can help him. I hate infomercials.
My weight on Thursday as under 250 for the first time in a long time. I’ll go up and down a bit during the week but hopefully at the end of it I’ll still be under 250. I’m excited that I’m steadily losing weight. My pants are so big on me now. I constantly have to pull them up. That’s a good sign. I know I look like I’ve lost weight too. I can see it in my face especially. I still have a long way to go but I’m hopeful now that I can do it. I have to get out there and walk tomorrow though. And I also need to watch what I’m eating. I’m eating too many carbs lately. I need to not turn to food when I’m stressed out. I need to walk instead or blog like I’m doing now.
I think I’ll get up in the morning and go for my walk, then clean the back yard. After that I’ll take my shower and then head to the library if it’s okay with David. Or maybe I’ll wait until later in the day when David is taking his nap. I’ll have to see how that goes. I don’t want to spend hours away from him on the weekend when he’s up and about. I can wait until he takes a nap. Or I could go while he’s mowing the lawn. Not sure if that would be okay with him or not. Like I said, I’ll just have to see how things go.
I look forward to getting to the library though so I can get online. Am I addicted or what? lol I’ll probably spend most of my time on the DR forum. It’s not as much fun to be on there though while I’m at the library. I stay fairly task oriented while I’m at the library. But I don’t really have any tasks to do today so I’ll try to spend some time on the forum. It’s motivating for me to read what others have to say. It’s very informative too. I always learn something when I’m on the DR forum. People are so helpful on there too, very encouraging and supportive.
Well, I think I’m ready to go back to bed even though it looks like David is still going to be up channel surfing for a while. I hope I can get back to sleep.
I was able to get back to sleep. I got up a couple times to go to the bathroom though, so I’m still tired. It’s 6 a.m. It’s cold and windy out. I hope it gets warmer so I can go for my walk this morning. I had a lot of weird dreams last night. I can’t really remember them now but I know they were weird.
Fall has definitely moved in and winter is very close behind it. I dread this kind of weather but I’m going to have to deal with it if I get a job. I saved a pdf file from Barnes & Noble and I filled out their application for employment last night. I’ll mail it out today. I’ve applied at quite a few places already. I don’t want to wait on PPWFC helping me out. They could take a while and I want to get a job as soon as I can. I think I’ll have to really work at getting a job because I’ve been out of work so long and because of being on disability, but if I persevere I can do it.
I’ll probably go back to bed here in a few minutes. I’m still very tired. I’ll have to get the dogs to move out of my space. They always go right for the pillow. lol They make themselves as comfortable as they can. They are funny. A lot of times they’ll wake up and ‘attack’ me with kisses and sneezes. It’s too funny.
I’m going to head back to bed and hopefully get back to sleep quickly. I’ll blog more later.
I was able to get to sleep for a couple of hours. I was up around 7:30am. I went for my walk. I was able to listen to the book on tape I got from the library. I didn’t think about David’s headphones on his little radio. He let me use those this morning. They are kind of like ear buds. I don’t like them as much as my other ones but they did the job. It was hard walking today. Not sure why it was more difficult today than it has been. Maybe taking that day off yesterday didn’t help me much. So I took it easy today. I didn’t push myself. When I got home I relaxed for a few minutes and then I went out into the back yard and cleaned up. David is out there mowing right now. I’ll probably have to go over the yard one more time once the grass is cut. I’ll wait until after that to take my shower. I’m still not sure when I will go to the library today.
I went out and swept the yard for anything I missed on the first outing. There wasn’t too much out there. So I’m done with that now. David’s done mowing too. Glad that’s done.
I was thinking that I should order what medicines I can with what’s left in the bank account. Then next week I could order the rest of it. Mostly I need my Prozac and Trazadone. I’ll have to see what I have left in Wellbutrin. I’m not going to reorder the Abilify. It’s too expensive, $200 for three months worth. I pay that much for ALL of my other prescriptions. It’s expensive because there is no generic. I’ll have to check to see if there’s something I substitute it with.
I have to jump in the shower. If I don’t do it now I’ll never get it done today. Actually I’d like to take a nap right now. lol
The nap won out. I just got up after napping for about an hour. It felt good to take a nap. Still have to get a shower done. I’m thinking of popping over to the library since David is still asleep. Think I’ll go do that after I take a shower. Toodles.
Saturday, October 20, 2007
Friday, October 19, 2007
Meeting went fine
Our meeting went just fine. There were a lot less questions than I thought there would be. It only took about 20 minutes or so. Glad to have that over with. We had to talk about the situation with the house up in Woodland Park and how D & A left us holding the bag. It wasn't pleasant but we got it done. After the meeting we stopped at BJ's and spent a couple bucks on ice cream as a treat for getting through the meeting. David is at home now and I'm at the library. I'll be heading out in just a few minutes. I did a timed typing test and I typed about 40 wpm. Not too bad. I also applied for a couple of jobs online (UMB Teller and a clerk at Mardel). I found out when my skills certificate class is scheduled for (11/9 @ 8:30am). That will give me boost in getting a job I think. Maybe I'll get something sooner though because I'm putting out applications daily right now. I checked the bank account and updated Money. Everything reconciled. That's good. I only have a few more minutes before I need to leave and head home. I'm probably going over to Lisa's this afternoon around 3pm. David has hockey tonight and DR is on at 6pm and Ghost Whisperer is on at 7pm. That'll keep me busy tonight. Qwest called and said that they'll do the install on Wednesday. That sucks. I was hoping it would be sooner than that. Thank goodness for the library. Gotta go.
Financial meeting
10/19/07 I was up at about 6:15am. I did the copies I needed to do and I printed out the budget stuff that needed to be printed out. I have all my paperwork in my laptop bag, ready to go. I feel a bit calmer this morning knowing that today is the day and I won’t have to wait anymore. In about 3 hours we’ll be at our appointment. I wish I had thought to ask what exactly will happen at this meeting our tried to find information online, but I didn’t, so I’m a bit in the dark.
The girls are out on the couch, laying down. David is still in bed. I’m not sure what time I’ll get him up if he doesn’t wake up on his own. I’ll probably get him up around 8am. I’m not sure if I’m going to go walking this morning or if I’ll wait until later to walk. Only thing is, I’m not sure I’ll walk later. It would be warmer out then though. It’s pretty chilly out there right now and it’s windy too. I can’t look up the temperature online so I’m not sure what the temp is right now. I looked at the outside thermometer and it’s showing a bit over 30 degrees. Yikes! It is cold out there. I’d definitely have to wear my hooded sweatshirt this morning.
I have to remember to call Lisa this morning too. While I’m talking to her I need to remember to ask if she has a set of headphones that I can have/buy/borrow until I can afford to get a pair. If she doesn’t have a pair, then I’ll check with Kitty. I’m sure one of them has a set of headphones I can borrow. I’d rather listen to DR while I walk than listen to the news. I still can’t believe that my headphones were run over. ~sigh~
I think David might be waking up. I’d like it if he got up on his own today instead of me having to wake him up. He’s not easy to get up. He takes a long time to wake up and get out of bed.
It’s starting to get light out. I could go walking any time now. But it’s cold. I can’t let that stop me though. It’s going to be cold most mornings now that the weather is changing. I need to just dress warm and in layers. I wish I had some nice exercise clothes, but I can’t afford that and I don’t want to spend money when I know I’m going to be losing a significant amount of weight. My jeans are already almost too big for me. I guess I’ll have to check out Goodwill and see if I can find a pair of jeans there that will fit.
Yep, I hear David stirring. I’m sure he’s nervous about today too. He’s taken today off from work. I’m sure he’ll want to take a nap after the meeting. He wanted to go out to breakfast this morning, but I told him I didn’t think that was a good idea. We don’t have money budgeted for eating out. Guess we could use our Blow $$ but I don’t want to ‘waste’ money eating out. We have plenty of breakfast foods here in the house: cereal, waffles, eggs and smoothie makings. We’ve got to get to a point with the budget where he looks at it and can figure out if we have money to do something or not. We need to be gazelle intense right now about getting our BEF set up. Getting $1000 in the bank will require some sacrifices. It will be worth the sacrifice though.
I feel like going back to bed, not staying up. I’m tired. Think I’ll take a nap after the meeting too. Then I can go to the library. I’ll have to see how that works out.
As I’m typing, I’m thinking of taking some kind of typing test. I’m sure they have a timed test down at the PPWFC. I’ll have to check into that. I want to get a skills certificate. That might make it easier for me to get a job. But who knows, maybe I’ll get one on my own. I’m going to have to remember to apply for jobs at bookstores. I’m going to put an application in at Mardel’s. That’s only two miles from the house. I think it would be okay to work there. It’s a Christian bookstore. I really just want something close by so I don’t have to worry so much about driving in the winter weather. I don’t know if Mardel’s looks at whether you’re in a local church or not. Since we’re not, if they do, then that would hold me back. I guess I’ll just have to wait and see. I’ll look online and see if I can apply there first. If not, then I’ll go by and get an application. Or maybe they have an application online that I can print out (I’d have to save it to my hard drive and then print it out at home). The wind has really picked up. I won’t be going walking this morning as long as it’s this windy out. I can wait until later to walk. Hopefully the wind will die down by later this morning or this afternoon.
It must be chilly out – the heat just came on. I hope it warms it up in here. I’m freezing. And the dogs are using our blankets as pillows. lol I can’t afford to buy two more blankets so they’ll just have to get used to not having a pillow to lay their head on.
Think I’ll go eat breakfast now. The sun is just coming up. It looks beautiful on the Peak with the snow and the purple color from the rising sun. There’s quite a bit of snow up there already. We’d have had snow if we were living up in Woodland Park. Anyway, time to go get some breakfast. David is getting up now. I’m glad that I don’t have to wake him up. Later.
I had a bowl of cereal for breakfast. I decided not to take a shower this morning. I’m too keyed up. My hair looks good so I’m not worried about not getting a shower in. David is up. Yay! He’s not dressed yet though. I’m already dressed and ready to go. I have all my paperwork ready and waiting I’m going to take my CJ too incase I need someone’s address or phone number. I just don’t want to get there and not have some information that they need. I want to be as prepared as I can be.
The wind is letting up a bit but I’m too keyed up to go walking this morning. I’ve got to remember to call Lisa and let her know that I won’t be able to make it over there today. I’ll miss having scones probably. Hate to miss that. I guess I could tell her that I’ll have to wait and see how long the meeting goes and I could call her after the meeting to let her know if I can come over or not. It would just be easier to tell her that I can’t come over today. There’s no Sunday meeting this weekend because Helga is playing in a Philharmonic thing. Lisa and family are going to attend. We wont’ go because it costs $9 per person and we don’t have that in the budget this month. I’d like to see her play but we just can’t afford to go.
The cats are in the hallway. I need to change their box today and also get the backyard cleaned up. I could do that this morning but again, I’m keyed up and don’t really want to do anything until after the meeting. An hour until we leave for the meeting. What will I do to keep myself busy during that hour? I guess I could empty the dishwasher and start laundry. I think I’ll go do that right now.
I emptied and reloaded the dishwasher. I also started laundry. I put away the stuff that was in the dryer and have a load in the washer right now. I’ll probably get that into the dryer before we go. Then I can get the last load of laundry in the washer.
I’m really getting anxious now. I just want to get there and get this going and over with. David is getting ready. We’ll be leaving in about 15 minutes. I want to leave early so we can find the place and be early. I don’t want to be late. We have to be there at least 15 minutes early but I’d like to be there 30 minutes early. I feel like I could throw up right now. Gosh I’m nervous. I have butterflies in my stomach. I can’t believe how I’m feeling right now. I’ll calm down once we leave. I’m just anxious that David won’t be ready on time, but he is. I don’t need to worry anymore. Off we go.
The girls are out on the couch, laying down. David is still in bed. I’m not sure what time I’ll get him up if he doesn’t wake up on his own. I’ll probably get him up around 8am. I’m not sure if I’m going to go walking this morning or if I’ll wait until later to walk. Only thing is, I’m not sure I’ll walk later. It would be warmer out then though. It’s pretty chilly out there right now and it’s windy too. I can’t look up the temperature online so I’m not sure what the temp is right now. I looked at the outside thermometer and it’s showing a bit over 30 degrees. Yikes! It is cold out there. I’d definitely have to wear my hooded sweatshirt this morning.
I have to remember to call Lisa this morning too. While I’m talking to her I need to remember to ask if she has a set of headphones that I can have/buy/borrow until I can afford to get a pair. If she doesn’t have a pair, then I’ll check with Kitty. I’m sure one of them has a set of headphones I can borrow. I’d rather listen to DR while I walk than listen to the news. I still can’t believe that my headphones were run over. ~sigh~
I think David might be waking up. I’d like it if he got up on his own today instead of me having to wake him up. He’s not easy to get up. He takes a long time to wake up and get out of bed.
It’s starting to get light out. I could go walking any time now. But it’s cold. I can’t let that stop me though. It’s going to be cold most mornings now that the weather is changing. I need to just dress warm and in layers. I wish I had some nice exercise clothes, but I can’t afford that and I don’t want to spend money when I know I’m going to be losing a significant amount of weight. My jeans are already almost too big for me. I guess I’ll have to check out Goodwill and see if I can find a pair of jeans there that will fit.
Yep, I hear David stirring. I’m sure he’s nervous about today too. He’s taken today off from work. I’m sure he’ll want to take a nap after the meeting. He wanted to go out to breakfast this morning, but I told him I didn’t think that was a good idea. We don’t have money budgeted for eating out. Guess we could use our Blow $$ but I don’t want to ‘waste’ money eating out. We have plenty of breakfast foods here in the house: cereal, waffles, eggs and smoothie makings. We’ve got to get to a point with the budget where he looks at it and can figure out if we have money to do something or not. We need to be gazelle intense right now about getting our BEF set up. Getting $1000 in the bank will require some sacrifices. It will be worth the sacrifice though.
I feel like going back to bed, not staying up. I’m tired. Think I’ll take a nap after the meeting too. Then I can go to the library. I’ll have to see how that works out.
As I’m typing, I’m thinking of taking some kind of typing test. I’m sure they have a timed test down at the PPWFC. I’ll have to check into that. I want to get a skills certificate. That might make it easier for me to get a job. But who knows, maybe I’ll get one on my own. I’m going to have to remember to apply for jobs at bookstores. I’m going to put an application in at Mardel’s. That’s only two miles from the house. I think it would be okay to work there. It’s a Christian bookstore. I really just want something close by so I don’t have to worry so much about driving in the winter weather. I don’t know if Mardel’s looks at whether you’re in a local church or not. Since we’re not, if they do, then that would hold me back. I guess I’ll just have to wait and see. I’ll look online and see if I can apply there first. If not, then I’ll go by and get an application. Or maybe they have an application online that I can print out (I’d have to save it to my hard drive and then print it out at home). The wind has really picked up. I won’t be going walking this morning as long as it’s this windy out. I can wait until later to walk. Hopefully the wind will die down by later this morning or this afternoon.
It must be chilly out – the heat just came on. I hope it warms it up in here. I’m freezing. And the dogs are using our blankets as pillows. lol I can’t afford to buy two more blankets so they’ll just have to get used to not having a pillow to lay their head on.
Think I’ll go eat breakfast now. The sun is just coming up. It looks beautiful on the Peak with the snow and the purple color from the rising sun. There’s quite a bit of snow up there already. We’d have had snow if we were living up in Woodland Park. Anyway, time to go get some breakfast. David is getting up now. I’m glad that I don’t have to wake him up. Later.
I had a bowl of cereal for breakfast. I decided not to take a shower this morning. I’m too keyed up. My hair looks good so I’m not worried about not getting a shower in. David is up. Yay! He’s not dressed yet though. I’m already dressed and ready to go. I have all my paperwork ready and waiting I’m going to take my CJ too incase I need someone’s address or phone number. I just don’t want to get there and not have some information that they need. I want to be as prepared as I can be.
The wind is letting up a bit but I’m too keyed up to go walking this morning. I’ve got to remember to call Lisa and let her know that I won’t be able to make it over there today. I’ll miss having scones probably. Hate to miss that. I guess I could tell her that I’ll have to wait and see how long the meeting goes and I could call her after the meeting to let her know if I can come over or not. It would just be easier to tell her that I can’t come over today. There’s no Sunday meeting this weekend because Helga is playing in a Philharmonic thing. Lisa and family are going to attend. We wont’ go because it costs $9 per person and we don’t have that in the budget this month. I’d like to see her play but we just can’t afford to go.
The cats are in the hallway. I need to change their box today and also get the backyard cleaned up. I could do that this morning but again, I’m keyed up and don’t really want to do anything until after the meeting. An hour until we leave for the meeting. What will I do to keep myself busy during that hour? I guess I could empty the dishwasher and start laundry. I think I’ll go do that right now.
I emptied and reloaded the dishwasher. I also started laundry. I put away the stuff that was in the dryer and have a load in the washer right now. I’ll probably get that into the dryer before we go. Then I can get the last load of laundry in the washer.
I’m really getting anxious now. I just want to get there and get this going and over with. David is getting ready. We’ll be leaving in about 15 minutes. I want to leave early so we can find the place and be early. I don’t want to be late. We have to be there at least 15 minutes early but I’d like to be there 30 minutes early. I feel like I could throw up right now. Gosh I’m nervous. I have butterflies in my stomach. I can’t believe how I’m feeling right now. I’ll calm down once we leave. I’m just anxious that David won’t be ready on time, but he is. I don’t need to worry anymore. Off we go.
Writing is keeping me sane
10/19/07 It’s almost 1:30am. I can’t sleep again. I had to check the papers for our meeting in eight hours to make sure I have everything that I am supposed to have for the meeting. ~sigh~ I do. I have the two years of income and expenses worksheets that will be needed from Microsoft Money. I also have the time line information in a Word document. I’m sure everything will go okay. I’m just nervous. I need to relax. I want to try to get up early enough to go for my walk in the morning and still have time for a shower and breakfast. I’ll need the energy from the protein smoothie to keep me going during the meeting.
Paulie just came out here and got up behind the TV. Then the dogs came out. So I had to let them out so Paulie could escape. He did. Now the dogs are up. Huxley is wandering around and Blitz just went to bed. Okay, I just heard Huxley go to bed too. Last night while I was up, they kept jumping on and off of the bed. I don’t want them to wake David up. He needs his sleep.
I cleaned the kitchen up last night and unloaded/reloaded the dishwasher. I also remembered to start the dishwasher. So all I have to do is unload it in the morning. I’m still behind on laundry. I have some laundry in the dryer and a load or two in the hamper. I’ll try to get that done tomorrow.
David has hockey this weekend, both Friday and Saturday nights. I miss him when he is gone. I always feel lonely. I think that tomorrow night especially I’ll feel lonely since we will have had our financial meeting earlier in the day. I know that will be emotional and I’ll probably be emotional most of the day. But there is always “Ghost Whisperer” to keep me occupied. lol That’s my favorite show. Last week I missed a bit of it because I was trying to get Vonage up and running. It took me so long to get all that done. Finally had to call Vonage to have someone help me set it up. But it got done. I wish this week that I were setting up our phone and internet connection again. I’m hoping it will just come on when I least expect it to come on.
Well, I’m yawning. That’s a good sign. And it’s just a bit after 1:30am. There’s hope for me getting some more sleep this morning. That’s good.
I just thought that maybe I should bring my bills that I’ve paid and my bills that are still unpaid to the meeting tomorrow. I’ll also bring copies of the last three pay stubs that I didn’t have when I turned the stuff in a little over a week ago. We’ve received at least two more pay stubs since then. I’ll copy the last three just to be safe. I’m so afraid that they are going to want something in the meeting and I won’t have thought to bring it or don’t have it at all. Thought about bringing my laptop just in case I need something that I didn’t think about, but that’s surely not necessary.
It’ll be okay. I just need to relax. Being calm during the meeting will be very important. The finance person may suggest that we sell David’s guns. We’ll do everything we can to keep them though. I think I’m well prepared so I need to just calm down. I’m sure the financial person won’t be near as rough on me as I am on myself.
The meeting is at 10am. We’ll leave the house by 9am though so we’ll have plenty of time to find the place. I believe it’s down by Memorial Park. Can’t be late though. Our attorney will be there for any legal questions. What a convoluted process.
I got my license tags in the mail. I’ll have to get those on the plates in the morning. I think this is the first time that I’ve done it during the month it was due instead of using the 30 day grace period.
I realize that going online is relaxing to me. I can just kind of drift away into what I’m doing and not have to think about everything else. I miss being able to do that at my whim. But I am forever grateful that the library has free wi-fi. I think I would be lost without it. I’d emotionally be a mess if I couldn’t get online at all. Just getting in a few hours each day keeps me going. Like I said, I get my fix. lol
The girls have gone back to bed which means that I’ll have to shove them out of my spot when I go in there.
I was just thinking that I need to see if there is a timed, typing test online that I can take. I’m not sure how fast I am typing these days. I know I have a lot of errors, but I’m not too slow. Wish I could go online to do that right now. I’ll have to wait until I can get to the library again (hopefully later today). Shoot, I forgot to call Lisa and tell her that I won’t be able to make it over there later this afternoon. I’ll have to call her first thing in the morning. I’ll miss going over there. There is no Sunday meeting this week, so there’s nothing to worry about missing. (Does that sentence even make any sense? lol )
Now I’m feeling more awake than I’d like to feel. I really need to get some more sleep before this meeting tomorrow. I’m hoping that with this meeting we will be officially done with the house up in Woodland Park. I don’t know if the 2nd will fight us or not. We’ll have to see. I was looking at the email earlier that I got from Kathy regarding the short sale. I can’t believe they didn’t take the deal. Now they are going to get nothing instead of something. I know I should have pushed them and made them take the offer but I didn’t know enough then to make it happen. I’ve only been Ramsified for a few weeks now. lol
I sure do like having a zero based budget. It’s nice to know that all the money is accounted for. I guess that’s something else I should print out for tomorrow – the latest budget information. I want to be able to show that we don’t have anything left over at the end of the month. I’ve already got November’s budget going so I’ll print that out too. I’m going to go over the budget to make sure it is correct.
I’m glad I looked. I hadn’t updated the budget sheet to show the tithe. Now it’s corrected and shows the tithe and the EF. Every penny is accounted for in this type of budget (zero based). It will be weird having money in the bank but it’s money that already is spoken for since we are setting aside the money to pay for future irregular expenses (life insurance, AD&D insurance and the like).
It’s cold in here this morning. The weather is starting to change. Winter is upon us. I dislike winter. The impending snow makes me have anxiety attacks. That’s the only thing about working is that if the weather is bad, I’ll have a hard time getting myself out the door to go to work. It’s hard for me to believe that I still have PTSD about the car accident and to this day it still effects my freedom to drive. And the depression is still there too. Then of course there are the physical problems that I deal with on a daily basis. My neck, back and shoulder have never been the same since the accident in 1993. The closed head injury I sustained still affects me too. I know that I’ve never been quite the same in my mind since the accident. I have more trouble focusing and remembering things than I did before the accident. I’ve compensated some, but it’s hard to compensate all the time for everything.
I’m sure glad that I’m writing even though I don’t have instant access to my blog. I think I would definitely go nuts if I didn’t have access to writing about what’s going on in my life. I depend on journaling to get through the day. If I keep all these thoughts in my head, then I start to get really depressed. It begins to affect my daily life more than it does now. I’m grateful that I know this about myself and make sure that I do journal as often as I need to journal.
Well, I’m yawning again, so I should probably head back to bed. I hope I can get some sleep now that I know that everything is as ready as it can be for our financial meeting later this morning. It’s less than 8 hours away now. Okay, off to bed I go. I’m sure I’ll be journaling after the meeting to get it all out of my head. See you then.
Paulie just came out here and got up behind the TV. Then the dogs came out. So I had to let them out so Paulie could escape. He did. Now the dogs are up. Huxley is wandering around and Blitz just went to bed. Okay, I just heard Huxley go to bed too. Last night while I was up, they kept jumping on and off of the bed. I don’t want them to wake David up. He needs his sleep.
I cleaned the kitchen up last night and unloaded/reloaded the dishwasher. I also remembered to start the dishwasher. So all I have to do is unload it in the morning. I’m still behind on laundry. I have some laundry in the dryer and a load or two in the hamper. I’ll try to get that done tomorrow.
David has hockey this weekend, both Friday and Saturday nights. I miss him when he is gone. I always feel lonely. I think that tomorrow night especially I’ll feel lonely since we will have had our financial meeting earlier in the day. I know that will be emotional and I’ll probably be emotional most of the day. But there is always “Ghost Whisperer” to keep me occupied. lol That’s my favorite show. Last week I missed a bit of it because I was trying to get Vonage up and running. It took me so long to get all that done. Finally had to call Vonage to have someone help me set it up. But it got done. I wish this week that I were setting up our phone and internet connection again. I’m hoping it will just come on when I least expect it to come on.
Well, I’m yawning. That’s a good sign. And it’s just a bit after 1:30am. There’s hope for me getting some more sleep this morning. That’s good.
I just thought that maybe I should bring my bills that I’ve paid and my bills that are still unpaid to the meeting tomorrow. I’ll also bring copies of the last three pay stubs that I didn’t have when I turned the stuff in a little over a week ago. We’ve received at least two more pay stubs since then. I’ll copy the last three just to be safe. I’m so afraid that they are going to want something in the meeting and I won’t have thought to bring it or don’t have it at all. Thought about bringing my laptop just in case I need something that I didn’t think about, but that’s surely not necessary.
It’ll be okay. I just need to relax. Being calm during the meeting will be very important. The finance person may suggest that we sell David’s guns. We’ll do everything we can to keep them though. I think I’m well prepared so I need to just calm down. I’m sure the financial person won’t be near as rough on me as I am on myself.
The meeting is at 10am. We’ll leave the house by 9am though so we’ll have plenty of time to find the place. I believe it’s down by Memorial Park. Can’t be late though. Our attorney will be there for any legal questions. What a convoluted process.
I got my license tags in the mail. I’ll have to get those on the plates in the morning. I think this is the first time that I’ve done it during the month it was due instead of using the 30 day grace period.
I realize that going online is relaxing to me. I can just kind of drift away into what I’m doing and not have to think about everything else. I miss being able to do that at my whim. But I am forever grateful that the library has free wi-fi. I think I would be lost without it. I’d emotionally be a mess if I couldn’t get online at all. Just getting in a few hours each day keeps me going. Like I said, I get my fix. lol
The girls have gone back to bed which means that I’ll have to shove them out of my spot when I go in there.
I was just thinking that I need to see if there is a timed, typing test online that I can take. I’m not sure how fast I am typing these days. I know I have a lot of errors, but I’m not too slow. Wish I could go online to do that right now. I’ll have to wait until I can get to the library again (hopefully later today). Shoot, I forgot to call Lisa and tell her that I won’t be able to make it over there later this afternoon. I’ll have to call her first thing in the morning. I’ll miss going over there. There is no Sunday meeting this week, so there’s nothing to worry about missing. (Does that sentence even make any sense? lol )
Now I’m feeling more awake than I’d like to feel. I really need to get some more sleep before this meeting tomorrow. I’m hoping that with this meeting we will be officially done with the house up in Woodland Park. I don’t know if the 2nd will fight us or not. We’ll have to see. I was looking at the email earlier that I got from Kathy regarding the short sale. I can’t believe they didn’t take the deal. Now they are going to get nothing instead of something. I know I should have pushed them and made them take the offer but I didn’t know enough then to make it happen. I’ve only been Ramsified for a few weeks now. lol
I sure do like having a zero based budget. It’s nice to know that all the money is accounted for. I guess that’s something else I should print out for tomorrow – the latest budget information. I want to be able to show that we don’t have anything left over at the end of the month. I’ve already got November’s budget going so I’ll print that out too. I’m going to go over the budget to make sure it is correct.
I’m glad I looked. I hadn’t updated the budget sheet to show the tithe. Now it’s corrected and shows the tithe and the EF. Every penny is accounted for in this type of budget (zero based). It will be weird having money in the bank but it’s money that already is spoken for since we are setting aside the money to pay for future irregular expenses (life insurance, AD&D insurance and the like).
It’s cold in here this morning. The weather is starting to change. Winter is upon us. I dislike winter. The impending snow makes me have anxiety attacks. That’s the only thing about working is that if the weather is bad, I’ll have a hard time getting myself out the door to go to work. It’s hard for me to believe that I still have PTSD about the car accident and to this day it still effects my freedom to drive. And the depression is still there too. Then of course there are the physical problems that I deal with on a daily basis. My neck, back and shoulder have never been the same since the accident in 1993. The closed head injury I sustained still affects me too. I know that I’ve never been quite the same in my mind since the accident. I have more trouble focusing and remembering things than I did before the accident. I’ve compensated some, but it’s hard to compensate all the time for everything.
I’m sure glad that I’m writing even though I don’t have instant access to my blog. I think I would definitely go nuts if I didn’t have access to writing about what’s going on in my life. I depend on journaling to get through the day. If I keep all these thoughts in my head, then I start to get really depressed. It begins to affect my daily life more than it does now. I’m grateful that I know this about myself and make sure that I do journal as often as I need to journal.
Well, I’m yawning again, so I should probably head back to bed. I hope I can get some sleep now that I know that everything is as ready as it can be for our financial meeting later this morning. It’s less than 8 hours away now. Okay, off to bed I go. I’m sure I’ll be journaling after the meeting to get it all out of my head. See you then.
Red Sox
10/18/07 I went to the library and checked my email. I also paid the IREA bill online (the final bill). I checked into the HSA. It’s not something we can do because I have Medicare. Oh well. I also applied for a couple of jobs online through the PPWFC site. One was at Wal-Mart and one was at Best Buy. I also signed up for something at the PPWFC (can’t remember what it is lol ). I’ll need to go online tomorrow if I can and check the date and time. Oh yeah, it’s taking some tests to check my skills (reading and math stuff). Hopefully I’ll do okay. I’m trying to do what I can do get a part time job.
The girls were happy that I got home. They had been home for hours and needed to go out. They were all excited to have me home. They’ve settled down now.
Tomorrow is payday for David. The phone bill will be paid out of that. Speaking of the phone, still no service at home. I did go on the Vonage website and forwarded the home phone to my cell phone. I hope it will work. I checked voicemails and there wasn’t anything too important. You can listen to Vonage voicemails online. Pretty cool.
David should be home any time now. I’m feeling lonely today. I’m looking forward to taking a nap this afternoon. I don’t know if David will want to take a nap, but I will. I’m sure the girls will join me.
I didn’t get anything done around the house today. I have chicken out for dinner but I’m not sure what I’m going to make with it. All I have is rice and mashed potatoes. Either would be fine I guess. I have a few dollars left. I could go over to target and get some salad or another potato so I can make a baked potato. Or corn on the cob. That was really good last night.
Looks like we might get some snow this weekend. Yuck! I can’t stand when it starts to snow.
I’m going to go take my medicine so I can take a nap.
I took an hour or so long nap. The dogs got me up. I got dinner going after I woke up some. I made chicken breast and rice with soy sauce. It was delicious. Had plenty left over so David can take lunch tomorrow. I talked to Lynn before dinner and she said she’d call me back later. I watched the DR show. I’m really enjoying watching his show. I always learn something when I listen to the show. On the radio show today he talked about tithing. We have to decide what we’re going to do about tithing. Should we tithe while in debt? Is that tithing on credit? It’ll take us a lot longer to pay stuff off if we tithe the full 10%. Then there’s the issue of what to do with the tithe. We don’t have a local church so we thought about just keeping it in the account until a need comes up somewhere. I know that tithing is the right thing to do, but sometimes I can rationalize not doing it. I just want to get out of debt as soon as possible. I think of putting off the tithe for a year so we can get the BEF going, pay off the family loan and get the jeep paid off. Then we could start tithing without debt (except the house). Guess I’ll have to look at the numbers and see what we should do. Also need to pray about it. I know God will tell me what we need to do.
Our financial meeting is tomorrow morning. I’m not looking forward to it really, but it will be nice to get it over with. I’m not sure how long the meeting will last. David will probably end up taking the day off. I’m going to try to go to the library in the afternoon. I need to update my blog. I forgot to update it today. I’ll get to it tomorrow and put the last couple of days in the blog. I like spending time at the library. It’s really peaceful there and the view is spectacular. I didn’t check the DR forum today because I was busy applying for jobs, looking for auto insurance and researching HSA’s. Tomorrow I need to check with The Hartford through AARP to see what their rates are. We can also get homeowners insurance through Foremost (who we’re already with) through AARP instead of USAA. I don’t want to keep USAA because I know they will either raise rates or cancel us. I don’t want to wait for either of those situations to happen. I want to be proactive. Of course, I won’t cancel anything until I’m sure we can get reasonably priced coverage somewhere else.
I’m kind of ticked that I had to pay the IREA bill. We didn’t even own the house for the time period that the bill covers. But I wasn’t going to argue with them and go into collections. So I just paid the $30. It wasn’t in the budget but I was able to take care of it anyway. This month has just been eaten up by unexpected expenses. I hope most months aren’t like this. I think I’ll take a look at the budget, again, and see if there’s anywhere we can make cuts.
I put the full tithe in the budget. I’m not sure how much I can put towards the debt snowball doing that. I’ll have to see how the budget shakes out. I’ve already planned out what I can plan out for November’s budget. So far, so good. I’m sure there will be unexpected expenses but I think we can cover them. We’ve got to put money towards the BEF. Guess I’ll go over to the budget and put that in.
There’s an extra paycheck in November so I should be able to pay the full tithe and put $500 towards the BEF. That’ll be good. We’ll be halfway there then. The only thing I’ll have to fudge with is my prescriptions. I’ve got to get them soon. I’m almost out of everything. And I need my Trazadone. I’m not sleeping near as well without it. I know I’d feel much better overall once I’m back on all of my meds. If I do get a job, I get to deduct the cost of my medications from what I make so it will put me lower on the SGA. I figured out that I can make almost $900 a month before my benefits are affected. At $9 per hour I could work about 20 – 25 hours per week. Or something like that. I’ll have to see. I’ll have to look and see if it’s gross income (which I’m sure it is). I’ll check that right now.
It doesn’t say, but I believe it’s gross income. I can call Julie and check with her to see if it’s net or gross. I guess I’m getting ahead of myself here since I don’t even have a job lined up yet.
I talked to Gabe a little bit ago and he said I should apply at the local bookstores (Barnes & Noble, local shops, etc.). That sounds like a good idea to me. I’d love to work in a book store. I’ll have to take time tomorrow afternoon and apply online while I’m at the library. I’ll also have to look at what companies are here in the area and put in some applications. I want to put an app in at Safeway. I have to do that online though. It’s frustrating to not have the internet at home right now. I could spend so much time applying for jobs online. Guess I need to practice patience.
The Red Sox are playing Cleveland tonight. It’s the 5th game in the series. Cleveland’s up 3 games to 1 but the Sox are winning so far in tonight’s game, 2-1. I sure would love to see the Red Sox go to the World Series and play the Colorado Rockies. Even if they don’t get into the World Series, I can be happy that Cleveland gets in. I don’t think I can root for the Rockies though since they are National League. I’m an American League girl!
I just checked the phone book and there are quite a few book stores here in town. I’d like to work somewhere within 5 miles of the house if possible. I need to really start looking to see what’s available around here.
Well, it’s almost 9pm, close to bedtime. I’m tired and I haven’t even taken my nighttime medicine yet. Boston just scored another run. Woohoo!
I’m nervous about our meeting tomorrow. I just want to get it over with and face what we have to face going forward.
The girls were happy that I got home. They had been home for hours and needed to go out. They were all excited to have me home. They’ve settled down now.
Tomorrow is payday for David. The phone bill will be paid out of that. Speaking of the phone, still no service at home. I did go on the Vonage website and forwarded the home phone to my cell phone. I hope it will work. I checked voicemails and there wasn’t anything too important. You can listen to Vonage voicemails online. Pretty cool.
David should be home any time now. I’m feeling lonely today. I’m looking forward to taking a nap this afternoon. I don’t know if David will want to take a nap, but I will. I’m sure the girls will join me.
I didn’t get anything done around the house today. I have chicken out for dinner but I’m not sure what I’m going to make with it. All I have is rice and mashed potatoes. Either would be fine I guess. I have a few dollars left. I could go over to target and get some salad or another potato so I can make a baked potato. Or corn on the cob. That was really good last night.
Looks like we might get some snow this weekend. Yuck! I can’t stand when it starts to snow.
I’m going to go take my medicine so I can take a nap.
I took an hour or so long nap. The dogs got me up. I got dinner going after I woke up some. I made chicken breast and rice with soy sauce. It was delicious. Had plenty left over so David can take lunch tomorrow. I talked to Lynn before dinner and she said she’d call me back later. I watched the DR show. I’m really enjoying watching his show. I always learn something when I listen to the show. On the radio show today he talked about tithing. We have to decide what we’re going to do about tithing. Should we tithe while in debt? Is that tithing on credit? It’ll take us a lot longer to pay stuff off if we tithe the full 10%. Then there’s the issue of what to do with the tithe. We don’t have a local church so we thought about just keeping it in the account until a need comes up somewhere. I know that tithing is the right thing to do, but sometimes I can rationalize not doing it. I just want to get out of debt as soon as possible. I think of putting off the tithe for a year so we can get the BEF going, pay off the family loan and get the jeep paid off. Then we could start tithing without debt (except the house). Guess I’ll have to look at the numbers and see what we should do. Also need to pray about it. I know God will tell me what we need to do.
Our financial meeting is tomorrow morning. I’m not looking forward to it really, but it will be nice to get it over with. I’m not sure how long the meeting will last. David will probably end up taking the day off. I’m going to try to go to the library in the afternoon. I need to update my blog. I forgot to update it today. I’ll get to it tomorrow and put the last couple of days in the blog. I like spending time at the library. It’s really peaceful there and the view is spectacular. I didn’t check the DR forum today because I was busy applying for jobs, looking for auto insurance and researching HSA’s. Tomorrow I need to check with The Hartford through AARP to see what their rates are. We can also get homeowners insurance through Foremost (who we’re already with) through AARP instead of USAA. I don’t want to keep USAA because I know they will either raise rates or cancel us. I don’t want to wait for either of those situations to happen. I want to be proactive. Of course, I won’t cancel anything until I’m sure we can get reasonably priced coverage somewhere else.
I’m kind of ticked that I had to pay the IREA bill. We didn’t even own the house for the time period that the bill covers. But I wasn’t going to argue with them and go into collections. So I just paid the $30. It wasn’t in the budget but I was able to take care of it anyway. This month has just been eaten up by unexpected expenses. I hope most months aren’t like this. I think I’ll take a look at the budget, again, and see if there’s anywhere we can make cuts.
I put the full tithe in the budget. I’m not sure how much I can put towards the debt snowball doing that. I’ll have to see how the budget shakes out. I’ve already planned out what I can plan out for November’s budget. So far, so good. I’m sure there will be unexpected expenses but I think we can cover them. We’ve got to put money towards the BEF. Guess I’ll go over to the budget and put that in.
There’s an extra paycheck in November so I should be able to pay the full tithe and put $500 towards the BEF. That’ll be good. We’ll be halfway there then. The only thing I’ll have to fudge with is my prescriptions. I’ve got to get them soon. I’m almost out of everything. And I need my Trazadone. I’m not sleeping near as well without it. I know I’d feel much better overall once I’m back on all of my meds. If I do get a job, I get to deduct the cost of my medications from what I make so it will put me lower on the SGA. I figured out that I can make almost $900 a month before my benefits are affected. At $9 per hour I could work about 20 – 25 hours per week. Or something like that. I’ll have to see. I’ll have to look and see if it’s gross income (which I’m sure it is). I’ll check that right now.
It doesn’t say, but I believe it’s gross income. I can call Julie and check with her to see if it’s net or gross. I guess I’m getting ahead of myself here since I don’t even have a job lined up yet.
I talked to Gabe a little bit ago and he said I should apply at the local bookstores (Barnes & Noble, local shops, etc.). That sounds like a good idea to me. I’d love to work in a book store. I’ll have to take time tomorrow afternoon and apply online while I’m at the library. I’ll also have to look at what companies are here in the area and put in some applications. I want to put an app in at Safeway. I have to do that online though. It’s frustrating to not have the internet at home right now. I could spend so much time applying for jobs online. Guess I need to practice patience.
The Red Sox are playing Cleveland tonight. It’s the 5th game in the series. Cleveland’s up 3 games to 1 but the Sox are winning so far in tonight’s game, 2-1. I sure would love to see the Red Sox go to the World Series and play the Colorado Rockies. Even if they don’t get into the World Series, I can be happy that Cleveland gets in. I don’t think I can root for the Rockies though since they are National League. I’m an American League girl!
I just checked the phone book and there are quite a few book stores here in town. I’d like to work somewhere within 5 miles of the house if possible. I need to really start looking to see what’s available around here.
Well, it’s almost 9pm, close to bedtime. I’m tired and I haven’t even taken my nighttime medicine yet. Boston just scored another run. Woohoo!
I’m nervous about our meeting tomorrow. I just want to get it over with and face what we have to face going forward.
My morning
10/18/07 I was up around my regular 7:30am wake up time. After taking some time to wake up, I went for my walk. I used my radio headset. I was glad to have it. I think I would be very bored if I didn’t have something to listen to while walking. It was a bit nippy out this morning. It’s only supposed to get up into the 50’s or 60’s today and it’s windy. The walk was nice though. The sun was shining. After I got home I decided to have cereal today instead of a smoothie. I might have a smoothie for lunch. I got my shower done and now I’m listening to the DR show from yesterday (they replay it on KRDO the next morning). I think I’ll wait until after the DR show to go to the library. Or maybe I’ll head over now and get stuff done so I’ll have the rest of the day for myself. I’ve got things to do around the house so I’d rather have a block of time to do it than rush myself this morning.
USAA sucks
10/18/07 I’m having trouble sleeping this morning. It’s just about 3am. All of this financial and job stuff has my head spinning. I’m also pretty ticked off at USAA. I’ve been a customer for over 20 years and I can’t believe the way they are treating me. I’m going to look into other car insurance, maybe through AARP (The Hartford) or Geico. I’m sure the rate won’t be as good as USAA but at least I’d be able to make changes to my policy. I don’t like having liability only on my jeep. I want full coverage. It’s worth the extra expense to get the full coverage. I have to make sure I have all of my ducks in a row for Friday’s financial meeting. I’ve put together a time line of events from June of 2005 when the kids moved in with us through now. I guess I just need to be able to keep things straight in my head.
It’ll be a month before my appointment with the Voc Rehab people and I’m not even sure they can do anything for me. I’ve got to look for a job in the mean time. I should get my franny over to Target tomorrow and sit at the little kiosk and put in an application. Only problem is, I don’t have a full resume. It’s on a disk somewhere but I don’t have the ability to look at disks with the laptop. I’ll have to check with Kitty and Lisa and see if they can help me out. I also want to check with Lisa and Kitty to see if either of them has a set of headphones I can have to use with my CD and tape players. I did find my radio headset and it’s working. Even after all these years it’s still working. Amazing! I’m not sure how to change the batteries in it so I’m glad it is working. I guess I could look at Goodwill too for a set of headphones. I can’t believe I dropped my headphones and they got run over. Crushed!
I’m going to look into the HSA and see if it’s something that could benefit us. The dollars are put in pre-tax which lowers the gross income. I’m just not sure what happens to the money if it’s not used during that year. I’ll have to check into that scenario. If I had internet service I could look it up online right now, but since I don’t have the internet at home right now, I’ll have to wait until I go to the library.
I can’t believe, sometimes, the situation that we are in. So much has happened over the last two plus years. Knowing that we wiped out David’s retirement still make me feel sick to my stomach. I’m glad he has his other retirement account. It’s not much, but it’s something. I need to start a Roth IRA this coming year. I’ll have to check into that too.
When I met with Julie yesterday she told me that I have the option to drop my Medicare coverage and ‘give myself’ about a $100 raise each month. I don’t know if it’s worth $1200 to do that though. If I have to get another injection in my back, it could well be worth having both insurance coverage’s. I think I go to the doctor too much to not have my Medicare coverage. I think it just would be part B that I’d drop and still continue to have part A (hospitalization), but I’m less worried about being hospitalized than I am about going to the doctor’s office as frequently as I have to go.
Another concern on my mind is my next review with Social Security for my disability benefits. It would be horrible to lose my benefits. I had to fight so hard to get them. I can’t afford to go to see Dr. Marten any more and I’m not sure how that will affect me at review time. I can’t afford my prescriptions right now either. I’m having to wait a couple of weeks before I can order my three month supply of ALL of my prescriptions at one time. Yikes! That’s going to cost a bunch of money, probably about $250! I’ve got to have my medicine though, especially my psych stuff. I’ll get really depressed if I don’t take my medicine as prescribed. I’m out of one of the meds right now but I’m doing okay without it. I can tell I need it, but I just can’t afford it this week.
I’m going to try to get ahead paying bills. Instead of paying this month’s bills with this month’s money, I’m going to try to pay next month’s bills with this month’s money. I’m not sure how long it will take me to get ahead though. Not even sure it’s possible. I guess the first thing I really need to work on is the BEF. We really need to have that in place in case Murphy decides to visit. I printed out the October and November budgets. That way we can have our budget on paper, on purpose, where every dollar has a name. It’ll take 3 – 6 months to get the budget set. I’m still trying to figure out how much we spend each month and on what. There are many things coming up that I haven’t budgeted for and it’s been throwing me off. I know I have to make sure that USAA gets paid on time. I know they will cancel us or raise our rates if we are late even by a minute.
It’s 3:30am now. I wish I could go back to bed, but my mind is still racing. I wish I could take care of some of these things right now, but without the internet, I can’t do much of anything. It’s so weird to not have instant access to information online. Of course, USAA won’t let me do anything online any more. I have to get papers in the mail (bills and policy info) and pay them through web bill pay. I’d like to just pay off the balance for the auto coverage. I think I’ll look into doing that as soon as I am able to. Then I won’t have to worry about the payment being late.
I think I’m going to try to go back to bed. I’m yawning a lot, so maybe I can get back to sleep. I can’t wait until I get my sleep medicine again. Being out of that too has been difficult. I don’t sleep near as well without it. Okay, off to la-la land I go.
It’ll be a month before my appointment with the Voc Rehab people and I’m not even sure they can do anything for me. I’ve got to look for a job in the mean time. I should get my franny over to Target tomorrow and sit at the little kiosk and put in an application. Only problem is, I don’t have a full resume. It’s on a disk somewhere but I don’t have the ability to look at disks with the laptop. I’ll have to check with Kitty and Lisa and see if they can help me out. I also want to check with Lisa and Kitty to see if either of them has a set of headphones I can have to use with my CD and tape players. I did find my radio headset and it’s working. Even after all these years it’s still working. Amazing! I’m not sure how to change the batteries in it so I’m glad it is working. I guess I could look at Goodwill too for a set of headphones. I can’t believe I dropped my headphones and they got run over. Crushed!
I’m going to look into the HSA and see if it’s something that could benefit us. The dollars are put in pre-tax which lowers the gross income. I’m just not sure what happens to the money if it’s not used during that year. I’ll have to check into that scenario. If I had internet service I could look it up online right now, but since I don’t have the internet at home right now, I’ll have to wait until I go to the library.
I can’t believe, sometimes, the situation that we are in. So much has happened over the last two plus years. Knowing that we wiped out David’s retirement still make me feel sick to my stomach. I’m glad he has his other retirement account. It’s not much, but it’s something. I need to start a Roth IRA this coming year. I’ll have to check into that too.
When I met with Julie yesterday she told me that I have the option to drop my Medicare coverage and ‘give myself’ about a $100 raise each month. I don’t know if it’s worth $1200 to do that though. If I have to get another injection in my back, it could well be worth having both insurance coverage’s. I think I go to the doctor too much to not have my Medicare coverage. I think it just would be part B that I’d drop and still continue to have part A (hospitalization), but I’m less worried about being hospitalized than I am about going to the doctor’s office as frequently as I have to go.
Another concern on my mind is my next review with Social Security for my disability benefits. It would be horrible to lose my benefits. I had to fight so hard to get them. I can’t afford to go to see Dr. Marten any more and I’m not sure how that will affect me at review time. I can’t afford my prescriptions right now either. I’m having to wait a couple of weeks before I can order my three month supply of ALL of my prescriptions at one time. Yikes! That’s going to cost a bunch of money, probably about $250! I’ve got to have my medicine though, especially my psych stuff. I’ll get really depressed if I don’t take my medicine as prescribed. I’m out of one of the meds right now but I’m doing okay without it. I can tell I need it, but I just can’t afford it this week.
I’m going to try to get ahead paying bills. Instead of paying this month’s bills with this month’s money, I’m going to try to pay next month’s bills with this month’s money. I’m not sure how long it will take me to get ahead though. Not even sure it’s possible. I guess the first thing I really need to work on is the BEF. We really need to have that in place in case Murphy decides to visit. I printed out the October and November budgets. That way we can have our budget on paper, on purpose, where every dollar has a name. It’ll take 3 – 6 months to get the budget set. I’m still trying to figure out how much we spend each month and on what. There are many things coming up that I haven’t budgeted for and it’s been throwing me off. I know I have to make sure that USAA gets paid on time. I know they will cancel us or raise our rates if we are late even by a minute.
It’s 3:30am now. I wish I could go back to bed, but my mind is still racing. I wish I could take care of some of these things right now, but without the internet, I can’t do much of anything. It’s so weird to not have instant access to information online. Of course, USAA won’t let me do anything online any more. I have to get papers in the mail (bills and policy info) and pay them through web bill pay. I’d like to just pay off the balance for the auto coverage. I think I’ll look into doing that as soon as I am able to. Then I won’t have to worry about the payment being late.
I think I’m going to try to go back to bed. I’m yawning a lot, so maybe I can get back to sleep. I can’t wait until I get my sleep medicine again. Being out of that too has been difficult. I don’t sleep near as well without it. Okay, off to la-la land I go.
Got my fix
10/17/07 It was so nice to be logged on to the internet at the library. I feel like it will be easier to get through the night without being connected now that I’ve had my fix. lol I didn’t realize when I went in the library that I dropped my headphones. They were run over. Yep, run over. Rats! Now I don’t have any headphones to listen to my CD player or radio in the morning when I walk. Oh, I just remembered, I have a radio headset and I can check to see if they work. I’m not sure what kind of batteries it takes. They didn’t have any books on tape by Stephen King or Dean Koontz so I ended up not getting anything. Just as well since I don’t have headphones.
I went to my appointment at the PPWFC. Julie was very nice and explained everything to me really well. She suggested I get a replacement TTW. I called when I got home to take care of that. She also gave me the number for Voc Rehab. I have an appointment with them in mid-November. I’m not sure they will be able to help me but I’ll see what happens at the orientation. Looks like I could work 10 – 15 hours a week without it affecting my benefits. I’ll have to start looking into a part-time job now. Julie mentioned Alpine Access (or something like that) a company that employs people to work at home taking phone calls from infomercials. There are a couple of other places too: LiveOps and West. I can look into those now that I’ll have a regular land line again. Couldn’t do it with Vonage. I’m not sure if it would work out because of the dogs (their whining and barking would interrupt the phone calls). It’s something to think about though. It’s weird to think of working, even part-time. We sure could use the extra money though. Even if it’s just $400 - $500 per month, it would help out. We’d be able to get through the debt snowball a lot quicker. I’m still thinking of applying at Target but I’m not sure they will hire someone for only 10 – 15 hours per week. I’ll check into it though. I’ll also look in the paper on Sunday and see if there’s anything in there. I’d like to get something going as soon as I can. The money would really help before the holidays. We’re not going to spend much on Christmas this year but it would ‘hurt’ less to spend if we had more money coming in. I’m still hopeful of getting a job with the PPLD. You just never know what can happen.
After my appointment I came home and made my phone calls. David was already home because he had gone into work early today. I sat for a bit then went to the store for pork chops, bread, and bananas. David wanted pork chops tonight (even though I already have chicken out). So far I’ve spent a bit over $70 for groceries this week, but that includes 3 packages of meat. I won’t have to buy meat this coming week, though I may buy a big package of pork chops so we’ll have those on hand in addition to the ground turkey, chicken breasts and hamburger. Dinner is cooking right now. It smells pretty good.
DR is on at 6pm again tonight. I look forward to his show. It keeps me motivated. I looked on the DR site while I was at the library today. I didn’t look at too many posts. Checked mine and there wasn’t anything to update. I’ll try to get to the library again tomorrow so I can check my email and keep up with what’s going on with the DR site. I also checked Mary Hunt’s blog. Nothing new there. And I updated my HBIITDN blog. This is a Word update. I’ll try to get it posted tomorrow. I’m sure I’ll write more later.
I checked my cell phone minute usage today. We’ve used 349 minutes and today is the last day of the month for the cell phones. So we still have 151 minutes to use tonight. I’m going to call Lynn later and talk to her for a while. Then we get another 500 minutes tomorrow. Woohoo! We’ll need it to get through the next few days without a home phone.
Time to take care of dinner.
Dinner was good. We had pork chops, apple sauce, baked potato and corn on the cob. Mmmm, mmmmm, mmmm!
One hour until DR.
DR show was very entertaining tonight. It was informative too. It’s open enrollment time for us, so I have a few things to think about like the HSA. I’ll have to look into it further.
I went to my appointment at the PPWFC. Julie was very nice and explained everything to me really well. She suggested I get a replacement TTW. I called when I got home to take care of that. She also gave me the number for Voc Rehab. I have an appointment with them in mid-November. I’m not sure they will be able to help me but I’ll see what happens at the orientation. Looks like I could work 10 – 15 hours a week without it affecting my benefits. I’ll have to start looking into a part-time job now. Julie mentioned Alpine Access (or something like that) a company that employs people to work at home taking phone calls from infomercials. There are a couple of other places too: LiveOps and West. I can look into those now that I’ll have a regular land line again. Couldn’t do it with Vonage. I’m not sure if it would work out because of the dogs (their whining and barking would interrupt the phone calls). It’s something to think about though. It’s weird to think of working, even part-time. We sure could use the extra money though. Even if it’s just $400 - $500 per month, it would help out. We’d be able to get through the debt snowball a lot quicker. I’m still thinking of applying at Target but I’m not sure they will hire someone for only 10 – 15 hours per week. I’ll check into it though. I’ll also look in the paper on Sunday and see if there’s anything in there. I’d like to get something going as soon as I can. The money would really help before the holidays. We’re not going to spend much on Christmas this year but it would ‘hurt’ less to spend if we had more money coming in. I’m still hopeful of getting a job with the PPLD. You just never know what can happen.
After my appointment I came home and made my phone calls. David was already home because he had gone into work early today. I sat for a bit then went to the store for pork chops, bread, and bananas. David wanted pork chops tonight (even though I already have chicken out). So far I’ve spent a bit over $70 for groceries this week, but that includes 3 packages of meat. I won’t have to buy meat this coming week, though I may buy a big package of pork chops so we’ll have those on hand in addition to the ground turkey, chicken breasts and hamburger. Dinner is cooking right now. It smells pretty good.
DR is on at 6pm again tonight. I look forward to his show. It keeps me motivated. I looked on the DR site while I was at the library today. I didn’t look at too many posts. Checked mine and there wasn’t anything to update. I’ll try to get to the library again tomorrow so I can check my email and keep up with what’s going on with the DR site. I also checked Mary Hunt’s blog. Nothing new there. And I updated my HBIITDN blog. This is a Word update. I’ll try to get it posted tomorrow. I’m sure I’ll write more later.
I checked my cell phone minute usage today. We’ve used 349 minutes and today is the last day of the month for the cell phones. So we still have 151 minutes to use tonight. I’m going to call Lynn later and talk to her for a while. Then we get another 500 minutes tomorrow. Woohoo! We’ll need it to get through the next few days without a home phone.
Time to take care of dinner.
Dinner was good. We had pork chops, apple sauce, baked potato and corn on the cob. Mmmm, mmmmm, mmmm!
One hour until DR.
DR show was very entertaining tonight. It was informative too. It’s open enrollment time for us, so I have a few things to think about like the HSA. I’ll have to look into it further.
Wednesday, October 17, 2007
It feels good to be online!
I'm at the library right now. Thank goodness for public wi-fi! I've been able to check on the bank account (everything is okie dokie), blog, check the DR site and other various things. It's good to be online. I'll come to the library as often as I need to to check out my email. I still have email under internettie1960. Woohoo! I was able to go through all my mail and see if there was anything from half.com or craigslist. Nothing from either. The view I have from where I'm sitting is spectacular. I'm looking out at Pikes Peak. There's snow on the summit. It's beautiful. It's clouding up though. There's a chance of snow on Sunday I guess. ~eyes pop out of head~ I'm not ready for snow yet. I have an hour until my appointment with Julie. I'll just hang out here until it's time to go. I checked on the queue for the DR book on CD - I'm 53rd! Yikes! It'll be a while before I get that then. I'll have to see how much it costs to buy it. I'm sure it will be too expensive for us right now. We really need to put money towards more important things.
Guess I'll check out the books on tape and use the restroom before I leave. I forgot my cell phone so I couldn't call David to tell him I'm here. I'll call him when I get home (if I get there before him). I did tell him about my change in appointment time. Okay, I'm gonna pack up the laptop and head over to the restroom. Then I'll check on the books on tape. Later 'gator.
Guess I'll check out the books on tape and use the restroom before I leave. I forgot my cell phone so I couldn't call David to tell him I'm here. I'll call him when I get home (if I get there before him). I did tell him about my change in appointment time. Okay, I'm gonna pack up the laptop and head over to the restroom. Then I'll check on the books on tape. Later 'gator.
10/17/07 It’s been a day already. And it’s only 9:30am. I got up early and went out for my walk, took a shower when I got home and made my protein smoothie. I got a call from Julie at the PPWFC. She needed to change my appointment time to 1pm. I told her that would be fine. That gave me time to clean up the kitchen. I have the dishes washing right now. I’m working on laundry too. I’m listening to the DR show while I type.
I called USAA to see if we work on getting our account paid would they put us back in good standing. Nope, they won’t. That’s it. No way to pay it back and get our standing cleared up. Guess that tells me what we need to do going forward. We’ll concentrate on what’s immediate and take care of those things. That means the family loan and the loan on the Jeep. That’s all we need to work on at this time. Doesn’t do any good to try and go back and rectify the situation. Kind of a bummer but I tried. They just won’t negotiate. I know if we’re even a minute late paying our auto insurance or auto loan they’ll cancel us. I’m going to have to stay on top of it. I hope they don’t raise our rates. That would suck.
Maybe I should start checking into other auto insurance companies just in case. I don’t want to be caught without auto insurance. I can go without driving but David has to get back and forth to work every day. And he has his gig down at the arena on the weekends. This financial stuff has turned out to be much more difficult to deal with than I thought it would. It’s amazing how inflexible these companies are. We’ve been with them for 20+ years and they are still giving us a hard time. Paid everything on time up until the house in the mountains fiasco but that doesn’t seem to count for much. Oh well, we’ll get through this somehow.
If DR could get through this kind of situation then we can too. He’s our financial inspiration at this point. ~sigh~ Murphy seems to hit daily right now. Oh yeah, I also called USAA to see if I can make changes to my auto policy and they won’t let me do that either. So I only have liability on my jeep. If anything happens to it and it’s my fault, I’m stuck with no car. If it’s someone else’s fault their insurance would have to pay. Any claim with USAA will probably raise rates or get us cancelled. It’s going to be so nice to have no debt and pay cash for everything we want to buy. It’ll take some time but it will be worth the time it takes to get there. No more worshipping at the FICO altar. I know we can turn this around. I know we can. It’s just going to be hard for a while. ~sigh~
I’m using Joel Maxwell’s allocated spending plan excel spreadsheet. It’s easier to use than Quicken or Money. Quicken is too difficult to use. I like Money better. But I don’t care for it’s budget. So I’ll use Joel Maxwell’s templates. I have November’s printed out already so we can sit down and plan out the budget when the time comes. I’ve already entered the income for November so then we’ll just have to figure out when each bill needs to be paid. There will be five paychecks for David in November and my SS check. That ‘extra’ money will go towards getting a month ahead paying bills. I want to be able to pay next month’s bills with this month’s income. I’m not there yet, but I think I can be ahead in a month or two. I’ll try to work on the BEF too. We need to get that up and going.
Guess that’s it for now. I need to stop thinking for a while.
I called USAA to see if we work on getting our account paid would they put us back in good standing. Nope, they won’t. That’s it. No way to pay it back and get our standing cleared up. Guess that tells me what we need to do going forward. We’ll concentrate on what’s immediate and take care of those things. That means the family loan and the loan on the Jeep. That’s all we need to work on at this time. Doesn’t do any good to try and go back and rectify the situation. Kind of a bummer but I tried. They just won’t negotiate. I know if we’re even a minute late paying our auto insurance or auto loan they’ll cancel us. I’m going to have to stay on top of it. I hope they don’t raise our rates. That would suck.
Maybe I should start checking into other auto insurance companies just in case. I don’t want to be caught without auto insurance. I can go without driving but David has to get back and forth to work every day. And he has his gig down at the arena on the weekends. This financial stuff has turned out to be much more difficult to deal with than I thought it would. It’s amazing how inflexible these companies are. We’ve been with them for 20+ years and they are still giving us a hard time. Paid everything on time up until the house in the mountains fiasco but that doesn’t seem to count for much. Oh well, we’ll get through this somehow.
If DR could get through this kind of situation then we can too. He’s our financial inspiration at this point. ~sigh~ Murphy seems to hit daily right now. Oh yeah, I also called USAA to see if I can make changes to my auto policy and they won’t let me do that either. So I only have liability on my jeep. If anything happens to it and it’s my fault, I’m stuck with no car. If it’s someone else’s fault their insurance would have to pay. Any claim with USAA will probably raise rates or get us cancelled. It’s going to be so nice to have no debt and pay cash for everything we want to buy. It’ll take some time but it will be worth the time it takes to get there. No more worshipping at the FICO altar. I know we can turn this around. I know we can. It’s just going to be hard for a while. ~sigh~
I’m using Joel Maxwell’s allocated spending plan excel spreadsheet. It’s easier to use than Quicken or Money. Quicken is too difficult to use. I like Money better. But I don’t care for it’s budget. So I’ll use Joel Maxwell’s templates. I have November’s printed out already so we can sit down and plan out the budget when the time comes. I’ve already entered the income for November so then we’ll just have to figure out when each bill needs to be paid. There will be five paychecks for David in November and my SS check. That ‘extra’ money will go towards getting a month ahead paying bills. I want to be able to pay next month’s bills with this month’s income. I’m not there yet, but I think I can be ahead in a month or two. I’ll try to work on the BEF too. We need to get that up and going.
Guess that’s it for now. I need to stop thinking for a while.
No internet at home! That stinks!
10/16/07 Having no access at home to the internet sucks. I switched us over to Vonage last week to help us save some money. Qwest, in error, disconnected my DSL service in addition to local and long distance. That means no service with Vonage. After talking to the person at Qwest I realized that I wasn’t going to save any money by switching to Vonage so after less than a week I switched back to Qwest. Only problem is that they can’t get it connected for a week! Yes, a week! We’ll have no home phone until then. And no internet. Thankfully we still have our cell phones so we can use them but we only have 500 minutes so we need to watch how much we call. I can’t get online to see how many minutes we’ve used so I’ll have to call Qwest and get that information. We need to keep up on how much time we have left. We can’t afford to go over on our minutes.
It really stinks to not have the internet. I’m really lost without it. I think I’ll go by the library tomorrow to get logged on to their wi-fi. That way I can check my email and check the DR site. I’ll probably try to go to the library each day until we get the service turned back on. I’m definitely addicted to the internet though. lol I keep looking at my laptop and hoping it will just magically start up. ~rolls eyes~ I guess if David could live without the satellite for a week, I can live without the internet. It’ll be hard but I can do it. Especially if I can get to the library a few times to ‘tide me over’ lol
The hardest part of all this is not having access to my bank account and web bill pay. I guess I could call and keep up that way, but doing banking on the phones sucks too. I get paid tomorrow and David gets paid on Friday. I already have bills out there scheduled to pay tomorrow and Friday. I think it’s all okay for now.
Wait a second, that’s not the hardest part. The hardest part is not having access to the DR site and my blogs. I’m typing this in Word and I’ll transfer it over once I get access. I might be able to do that tomorrow at the library. I really am dependent on the internet for my social outlet. My ‘relationships’ are mostly online. I miss checking my email and just seeing what’s going on on the DR site.
I’m reminding myself that everything happens for a reason. I guess I’m supposed to learn how to live without instant access to the internet. I also have to learn to live without the phone. I’m used to calling Lynn every day and talking for hours. I won’t be able to do that until the phone gets turned back on again. I’ll just have to call for a few minutes each day to say hello and goodnight. I know it will be hard for Lynn with me not calling. I hope she does okay without our daily chats.
DR has a show on the new FBN station. It started last night. It’s just like his radio show but on TV. Listening to him makes me gazelle intense. I want to get out of debt so bad. We have to follow the baby steps though:
Baby step 1: $1000 baby emergency fund (BEF)
Baby step 2: pay off all debt except the house, from smallest balance to largest balance
Baby step 3: 3-6 months for a fully funded emergency fund (FFEF)
Baby step 4: Contribute 15 % to retirement fund
Baby step 5: we can skip this one (contribute to kids college fund)
Baby step 6: pay off the mortgage
Baby step 7: Build and give wealth
It’ll take us two or three months to get the BEF up to $1k. Then we’ll start paying off the bills in order: family loan, jeep, FFEF, mortgage. It’ll take years to get there but it will be better than being in debt the rest of our lives. Within a year we’ll be so much better off than we are now. Like Dave says “live like nobody else today so you can live like nobody else tomorrow”. Meaning that most people live with stuff but are broke right now and they end up that way too. Whereas we’ll live on rice and beans, beans and rice for now so we can be wealthy and out of debt later. It will be worth the sacrifice. If we can keep it fun it won’t be quite so hard. We have to look at it like it is a game. Just how much money can we save and put on our debt? We don’t have a huge amount of debt until you add in the mortgage. It would be nice to have that paid off within 10 years.
I can’t believe how unbalanced I feel not having the internet. I can’t wait until tomorrow so I can go to the library. I have an appointment at 10am first. I’m meeting with Julie at the PPWFC to discuss working part time while I’m on disability. I’m not really sure that I’ll be able to hold a job, but I’d like to try to make some money to contribute to paying off the debt. If I could make about $500 a month that would put us way ahead of the game. I’m already freaked out by winter getting here and having to deal with snow. If I have a job, I’ll have to drive in snow. That makes me really nervous. My PTSD is still fairly bad when it comes to driving in weather or traffic. I have put in an application at the PPLD for a position as a page or shelver. I don’t hold out much hope for that though since I haven’t worked since 2/2000. I’ve thought about applying at Target too for the holidays but I’d only be able to work a max of 10-15 hours per week depending on what pay I’m able to make. Although, I think for the first nine months I can make whatever I can, but after that I can only make $900 or less or they’ll take my benefits away. I couldn’t work full time again. Mentally and physically I’m just not capable of doing that. Because of the problems I have I can’t be depended on for 40 hours a week. I’m not even sure I can be depended on for 10-15 hours per week. The PPLD jobs are for 12-16 hours per week. That would be an excellent job to get but like I said, I don’t hold out much hope for that happening.
I’ve kind of fallen off of the FlyLady wagon lately. The house is a mess. I really need to take some of the time I have away from the internet and use that time to clean the house! I haven’t vacuumed in a long time and it really needs it because of the dog and cat fur. It’s everywhere. The kitchen is a mess but that wouldn’t take much more than 15 minutes to get straightened up. I have laundry in the dryer that needs to be put away. The office really needs to be cleaned because the cats live in there now. And I still have some stuff to do in the guest room. And there are always the bathrooms to consider. I’m never in David’s bathroom anymore and I forget that it needs to be cleaned. I’ll have to try to get to that again this week since we’re in the bathroom zone. I’ve been so obsessed with the finances that I haven’t put anytime into FLYing. I know I’m trying to do too many things at one time. If I had some balance in my life I could focus on more than one thing in a week, but the way I ‘roll’ is that I narrow my focus so much on one thing that everything else gets excluded. Tomorrow I need to try and have a more balanced day.
I have been walking every day but Sunday (my official day off for recovery). This morning, even though I had to call Qwest first thing, I went walking after I finished the call. That was after 9am. But I went anyway. It was nice out too. It was a bit hot on the east side of the loop but not too bad. I really enjoy walking. I’ve been listening to DR CD’s that I burn. I’ll have lots to listen to since I’ll miss The DR Show for about six days. Actually, now that I think of it, I won’t have to miss it since they replay it on local radio each morning from 9am – 12pm. I can listen to it then. I could go walking at 9am so I can listen to the first half hour while I walk. Or I could get my walk and shower out of the way before the show and sit and enjoy my protein smoothie while listening to the show. That would probably be a better idea.
I hope I don’t have any trouble logging on to the PPLD’s wi-fi system. I really don’t want to end up with hundreds of emails waiting for me. I’m not sure I can get into my MSN but I can get into hotmail on the web. I think that would work. I just don’t want all the FlyLady emails building up that will just have to be deleted. I’m not sure now that I think of it since they cut off my account if I have access to email with my ‘current’ email address. That would suck if I don’t. I also don’t want to have to change my email address because I really like internettie1960. And internettie is not available or I’d have it. I guess I could use something else but I’m not sure what. Maybe internettie0412. That would work too I guess. This sucks that Qwest cancelled my DSL account. It could mess up a lot of things. I’m sure that I’ll have to come up with another account name and that will stink. I’ll have to update so many email accounts. It will be ridiculous. I’ve tried to keep track of what accounts I have email from but the list is just too long. I’ll have to figure it out as I go along. ~sigh~
It feels good just to be typing on the laptop. I missed sitting and being one with the laptop. lol See how addicted I am? I’ve only gone without access for 24 hours and I’m already going crazy. How will I make it through a week? Yikes! I really need to try and be productive this week. Oh, I just thought. We have our financial meeting Friday morning. I guess I’ll have to cancel with Lisa this week. I’ll need to spend time with David after that so we can discuss what we need to do from that point on. Financial days are always emotional days. David has been watching DR with me at night so he’s a bit more into being debt free. Tonight he said that we’ll be two of the people who’ll be living like no one else so that later we can live like no one else. That made me happy that he said that. It’s not going to always be fun or easy, but we have to stay committed to the process. That’s why I miss the DR site so much. There’s so much support and encouragement on there. By the way, I sent an email into DR on Monday (10/15) and he read it and answered it on the air. THAT was cool! I was asking about moral obligations when it comes to debts that have been cancelled. Should we go back and pay them even though they have been cancelled? DR says we have no moral obligation to do it, but if God is leading us in that direction then that’s between us and God. DR wouldn’t have any problem with us just moving forward. And this from a man who is totally into personal responsibility. So if he’s saying that, then I know it’s okay to just move forward without looking back.
I haven’t been giving the dogs any Benadryl and they are much more active and seem to be licking a bit more. I’m going to keep an eye on them and see how it goes. I’ll get them some Benadryl if they need it. I don’t want to give them medicine just to give it to them. They just walked into the bedroom. I thought they were going to bed, but they went in there to play on the bed. Now they are back out here in the living room playing.
I went to the urologist yesterday. All my urodynamic tests came back normal. Yay! So the doctor did a scope and looked at my bladder. He said I have an ‘unhappy’ bladder. It’s working harder than it should. There also was what he called a ‘blowout’ in the bladder. I think it’s called diverticulitis but since I don’t have the internet I can’t look it up until tomorrow. Anyway, he gave me three weeks of medicine (vesicare) and a prescription in case I wanted to stay on the vesicare. I go back in a month for a scan to see how things are going. If the medicine works then I don’t have to go back for 3-6 months. If they medicine doesn’t work for me then he’ll try something else. I’m taking it at night to hopefully help me to keep from getting up in the middle of the night to go to the bathroom. I’m glad there is nothing serious going on. The ‘blowout’ is small and isn’t anything to really worry about. So I’m not going to worry about it.
Lynn just called. I talked to her for 10 minutes. I’m glad I had a chance to talk to her. I miss being on the phone with her. I usually sit and ‘watch’ TV, play on the laptop and talk to her. It’s my evening thing. But I won’t be able to do that for the next week or so.
David was just talking to Gabe about DR. I’m going to send Gabe some info so he can get on the DR plan now while he is young and he can be wealthy early in life. He has lots of debt with school loans, but he can go on beans and rice, rice and beans and get them paid off. He’ll definitely have to be gazelle intense. It’s nice that David is telling people about DR.
I’ve got a hold at the library for the TMMO book on CD. I have no idea how long it will take to get it. And now that the internet is out I’ll have to check at the library on my account to see if it’s in yet. I don’t know where I am in the queue. I can’t wait to listen to the book and ask David to listen to it on his ride to and from work. We need to be on the same page financially. I did learn something watching DR tonight. We need to sit down every month and do a written budget planning out how much income there will be that month (occasionally there are five pay periods in a month) and where ALL the money needs to go. “Extra” money (there is no such thing anymore) will always go to whichever baby step we are on.
Speaking of baby steps there are expanded baby steps. Here they are:
0.1: Commit to NEVER borrow $$$ EVER for ANYTHING other than possibly a house. (We’ve made this commitment)0.2: Talk with spouse and get him/her on the same page as you concerning finances. (We’ve talked and I believe we are mostly on the same page. Hearing the book on tape will solidify that)0.3 Do a written budget. (We have a written zero based budget)0.4 Temporarily stop all retirement contributions. (We stopped all contributions for now)0.5 Get current on all the basics (You MUST have Food, Utilities, Shelter, Basic Transportation). (We are current on the ‘four walls’)0.6 Amputate "toys" (bikes, boats, ATV's etc) if they will keep you from completing the snowball within 12 months (We’ve sold pretty much everything that isn’t nailed down except the pets)0.7 Cut lifestyle (Cut CATV, Cellphone, Regular phone "extras", Internet, Eating out, etc) and/or take second job if $1000 EF will take more than 30-90 days. (depending on income) (I have a better deal with the phone & internet; we’re not eating out at all; I’m looking into getting a part time job)0.8 Get current on ALL bills. (We are current on all bills)1.0 Save $1000 In baby EF. (We’re starting this step next)1.1 Chop up CC's. (You have an EF now, no NEED to keep those CC's !!) (Already done!)1.2 Get Health insurance NOW (chances of getting sick w/ major medical bills are larger than that of death), especially if you have children. (We already have Health insurance through David’s employer and for me with Medicare; open enrollment is this month and we’ll be looking at the options since Gabe is no longer on the plan)1.3 Get Life insurance NOW if you have considerable debt/your family couldn't make it financially if you died. Especially important if you have children !! Social Insecurity provides only a small amount of coverage if you have dependents. (We both have life insureance coverage)1.4 Amputate cars that you can't pay off within 24 months (You have an EF to fix the "bondo buggy" if something should happen) (My jeep is paid for and the other jeep can be paid for within 24 months)1.5 Consider raising insurance deductables to $500 or $1000 and dropping full coverage on paid for "bondo buggy" (You have an EF ya know) (DR doesn’t actually recommend doing this; he says that full coverage is worth the cost; I did however raise the deductible)1.6 Draw up a will. (I did wills online at one point but I’m not sure where they are; we’ll have to take care of this) 1.7 Get Long-Term Disability insurance. (David has LT and ST disability insurance through work; I don’t have any since I’m on disability)2.0 Do debt snowball, paying all your debts from lowest BALANCE to highest. (family loan, jeep)2.1: You can take your first vacation since finding Dave if you can pay cash for it (no using the EF !!!) (Can’t even imagine this at this point)3.0 Save 3-6 months EXPENSES in EF. (I’ll lean toward 6 months)3.1 Start car replacement fund.3.2 Save up 20% for home purchase OR pay down existing mortgage to the point you can drop PMI. 3.3 Start furniture or other non-essential stuff replacement fund.3.4 Move up in car if you still feel the need to (must pay cash for it)4.0 Start contributing 15% of your paycheck to retirement. 5.0 Save for kids college fund. (Skip this step)6.0 Pay off house early.7.0 Live like no one else since you have lived like no one else. -- Give & Build Wealth.
It doesn’t seem as daunting when it’s in baby steps like that. It seems quite do-able. The big unknown is what DR calls “Murphy”. You know, Murphy’s Law: is something bad can happen it will. Murphy always seems to visit when you least expect it and can least afford it. That’s why he has you start out with the $1k BEF. Like this month – we spent quite a bit of money that wasn’t in the budget because I hadn’t planned on the expenses (prescriptions, doctor bills, late charges, fees, etc.). I had to put a $120 deposit down to get the phone and internet back. That sucked big time. I certainly hadn’t budgeted for doing that but thankfully I could cover it. Otherwise, we’d be without phone and internet for a lot longer.
It’s almost 9:30pm. I need to get to bed since I have to be up early to walk and shower before I leave at 9:30am for my appointment with Julie at the PPWFC. It should be an interesting meeting. I’m anxious to know how it would all work. I may not be able to work if it will jeopardize my benefits. We’ll see how it goes. After the appointment, I’ll come home to let the dogs out and then head to the library. I think I’ll try to pick up a book on tape while I’m there to listen to while I walk in the morning. I’ll also check on my hold. Dang it’s frustrating not having the internet!
Okay, it’s bed time. Hopefully I’ll be able to post this tomorrow (10/17) while I am at the library. I sure hope I haven’t lost all my email. That would be tragic. Especially since I have stuff on craigslist right now. I’ll have to relist everything if my email address has been cancelled. Okay, I better stop thinking about this stuff or I’ll never get to sleep. Goodnight.
It really stinks to not have the internet. I’m really lost without it. I think I’ll go by the library tomorrow to get logged on to their wi-fi. That way I can check my email and check the DR site. I’ll probably try to go to the library each day until we get the service turned back on. I’m definitely addicted to the internet though. lol I keep looking at my laptop and hoping it will just magically start up. ~rolls eyes~ I guess if David could live without the satellite for a week, I can live without the internet. It’ll be hard but I can do it. Especially if I can get to the library a few times to ‘tide me over’ lol
The hardest part of all this is not having access to my bank account and web bill pay. I guess I could call and keep up that way, but doing banking on the phones sucks too. I get paid tomorrow and David gets paid on Friday. I already have bills out there scheduled to pay tomorrow and Friday. I think it’s all okay for now.
Wait a second, that’s not the hardest part. The hardest part is not having access to the DR site and my blogs. I’m typing this in Word and I’ll transfer it over once I get access. I might be able to do that tomorrow at the library. I really am dependent on the internet for my social outlet. My ‘relationships’ are mostly online. I miss checking my email and just seeing what’s going on on the DR site.
I’m reminding myself that everything happens for a reason. I guess I’m supposed to learn how to live without instant access to the internet. I also have to learn to live without the phone. I’m used to calling Lynn every day and talking for hours. I won’t be able to do that until the phone gets turned back on again. I’ll just have to call for a few minutes each day to say hello and goodnight. I know it will be hard for Lynn with me not calling. I hope she does okay without our daily chats.
DR has a show on the new FBN station. It started last night. It’s just like his radio show but on TV. Listening to him makes me gazelle intense. I want to get out of debt so bad. We have to follow the baby steps though:
Baby step 1: $1000 baby emergency fund (BEF)
Baby step 2: pay off all debt except the house, from smallest balance to largest balance
Baby step 3: 3-6 months for a fully funded emergency fund (FFEF)
Baby step 4: Contribute 15 % to retirement fund
Baby step 5: we can skip this one (contribute to kids college fund)
Baby step 6: pay off the mortgage
Baby step 7: Build and give wealth
It’ll take us two or three months to get the BEF up to $1k. Then we’ll start paying off the bills in order: family loan, jeep, FFEF, mortgage. It’ll take years to get there but it will be better than being in debt the rest of our lives. Within a year we’ll be so much better off than we are now. Like Dave says “live like nobody else today so you can live like nobody else tomorrow”. Meaning that most people live with stuff but are broke right now and they end up that way too. Whereas we’ll live on rice and beans, beans and rice for now so we can be wealthy and out of debt later. It will be worth the sacrifice. If we can keep it fun it won’t be quite so hard. We have to look at it like it is a game. Just how much money can we save and put on our debt? We don’t have a huge amount of debt until you add in the mortgage. It would be nice to have that paid off within 10 years.
I can’t believe how unbalanced I feel not having the internet. I can’t wait until tomorrow so I can go to the library. I have an appointment at 10am first. I’m meeting with Julie at the PPWFC to discuss working part time while I’m on disability. I’m not really sure that I’ll be able to hold a job, but I’d like to try to make some money to contribute to paying off the debt. If I could make about $500 a month that would put us way ahead of the game. I’m already freaked out by winter getting here and having to deal with snow. If I have a job, I’ll have to drive in snow. That makes me really nervous. My PTSD is still fairly bad when it comes to driving in weather or traffic. I have put in an application at the PPLD for a position as a page or shelver. I don’t hold out much hope for that though since I haven’t worked since 2/2000. I’ve thought about applying at Target too for the holidays but I’d only be able to work a max of 10-15 hours per week depending on what pay I’m able to make. Although, I think for the first nine months I can make whatever I can, but after that I can only make $900 or less or they’ll take my benefits away. I couldn’t work full time again. Mentally and physically I’m just not capable of doing that. Because of the problems I have I can’t be depended on for 40 hours a week. I’m not even sure I can be depended on for 10-15 hours per week. The PPLD jobs are for 12-16 hours per week. That would be an excellent job to get but like I said, I don’t hold out much hope for that happening.
I’ve kind of fallen off of the FlyLady wagon lately. The house is a mess. I really need to take some of the time I have away from the internet and use that time to clean the house! I haven’t vacuumed in a long time and it really needs it because of the dog and cat fur. It’s everywhere. The kitchen is a mess but that wouldn’t take much more than 15 minutes to get straightened up. I have laundry in the dryer that needs to be put away. The office really needs to be cleaned because the cats live in there now. And I still have some stuff to do in the guest room. And there are always the bathrooms to consider. I’m never in David’s bathroom anymore and I forget that it needs to be cleaned. I’ll have to try to get to that again this week since we’re in the bathroom zone. I’ve been so obsessed with the finances that I haven’t put anytime into FLYing. I know I’m trying to do too many things at one time. If I had some balance in my life I could focus on more than one thing in a week, but the way I ‘roll’ is that I narrow my focus so much on one thing that everything else gets excluded. Tomorrow I need to try and have a more balanced day.
I have been walking every day but Sunday (my official day off for recovery). This morning, even though I had to call Qwest first thing, I went walking after I finished the call. That was after 9am. But I went anyway. It was nice out too. It was a bit hot on the east side of the loop but not too bad. I really enjoy walking. I’ve been listening to DR CD’s that I burn. I’ll have lots to listen to since I’ll miss The DR Show for about six days. Actually, now that I think of it, I won’t have to miss it since they replay it on local radio each morning from 9am – 12pm. I can listen to it then. I could go walking at 9am so I can listen to the first half hour while I walk. Or I could get my walk and shower out of the way before the show and sit and enjoy my protein smoothie while listening to the show. That would probably be a better idea.
I hope I don’t have any trouble logging on to the PPLD’s wi-fi system. I really don’t want to end up with hundreds of emails waiting for me. I’m not sure I can get into my MSN but I can get into hotmail on the web. I think that would work. I just don’t want all the FlyLady emails building up that will just have to be deleted. I’m not sure now that I think of it since they cut off my account if I have access to email with my ‘current’ email address. That would suck if I don’t. I also don’t want to have to change my email address because I really like internettie1960. And internettie is not available or I’d have it. I guess I could use something else but I’m not sure what. Maybe internettie0412. That would work too I guess. This sucks that Qwest cancelled my DSL account. It could mess up a lot of things. I’m sure that I’ll have to come up with another account name and that will stink. I’ll have to update so many email accounts. It will be ridiculous. I’ve tried to keep track of what accounts I have email from but the list is just too long. I’ll have to figure it out as I go along. ~sigh~
It feels good just to be typing on the laptop. I missed sitting and being one with the laptop. lol See how addicted I am? I’ve only gone without access for 24 hours and I’m already going crazy. How will I make it through a week? Yikes! I really need to try and be productive this week. Oh, I just thought. We have our financial meeting Friday morning. I guess I’ll have to cancel with Lisa this week. I’ll need to spend time with David after that so we can discuss what we need to do from that point on. Financial days are always emotional days. David has been watching DR with me at night so he’s a bit more into being debt free. Tonight he said that we’ll be two of the people who’ll be living like no one else so that later we can live like no one else. That made me happy that he said that. It’s not going to always be fun or easy, but we have to stay committed to the process. That’s why I miss the DR site so much. There’s so much support and encouragement on there. By the way, I sent an email into DR on Monday (10/15) and he read it and answered it on the air. THAT was cool! I was asking about moral obligations when it comes to debts that have been cancelled. Should we go back and pay them even though they have been cancelled? DR says we have no moral obligation to do it, but if God is leading us in that direction then that’s between us and God. DR wouldn’t have any problem with us just moving forward. And this from a man who is totally into personal responsibility. So if he’s saying that, then I know it’s okay to just move forward without looking back.
I haven’t been giving the dogs any Benadryl and they are much more active and seem to be licking a bit more. I’m going to keep an eye on them and see how it goes. I’ll get them some Benadryl if they need it. I don’t want to give them medicine just to give it to them. They just walked into the bedroom. I thought they were going to bed, but they went in there to play on the bed. Now they are back out here in the living room playing.
I went to the urologist yesterday. All my urodynamic tests came back normal. Yay! So the doctor did a scope and looked at my bladder. He said I have an ‘unhappy’ bladder. It’s working harder than it should. There also was what he called a ‘blowout’ in the bladder. I think it’s called diverticulitis but since I don’t have the internet I can’t look it up until tomorrow. Anyway, he gave me three weeks of medicine (vesicare) and a prescription in case I wanted to stay on the vesicare. I go back in a month for a scan to see how things are going. If the medicine works then I don’t have to go back for 3-6 months. If they medicine doesn’t work for me then he’ll try something else. I’m taking it at night to hopefully help me to keep from getting up in the middle of the night to go to the bathroom. I’m glad there is nothing serious going on. The ‘blowout’ is small and isn’t anything to really worry about. So I’m not going to worry about it.
Lynn just called. I talked to her for 10 minutes. I’m glad I had a chance to talk to her. I miss being on the phone with her. I usually sit and ‘watch’ TV, play on the laptop and talk to her. It’s my evening thing. But I won’t be able to do that for the next week or so.
David was just talking to Gabe about DR. I’m going to send Gabe some info so he can get on the DR plan now while he is young and he can be wealthy early in life. He has lots of debt with school loans, but he can go on beans and rice, rice and beans and get them paid off. He’ll definitely have to be gazelle intense. It’s nice that David is telling people about DR.
I’ve got a hold at the library for the TMMO book on CD. I have no idea how long it will take to get it. And now that the internet is out I’ll have to check at the library on my account to see if it’s in yet. I don’t know where I am in the queue. I can’t wait to listen to the book and ask David to listen to it on his ride to and from work. We need to be on the same page financially. I did learn something watching DR tonight. We need to sit down every month and do a written budget planning out how much income there will be that month (occasionally there are five pay periods in a month) and where ALL the money needs to go. “Extra” money (there is no such thing anymore) will always go to whichever baby step we are on.
Speaking of baby steps there are expanded baby steps. Here they are:
0.1: Commit to NEVER borrow $$$ EVER for ANYTHING other than possibly a house. (We’ve made this commitment)0.2: Talk with spouse and get him/her on the same page as you concerning finances. (We’ve talked and I believe we are mostly on the same page. Hearing the book on tape will solidify that)0.3 Do a written budget. (We have a written zero based budget)0.4 Temporarily stop all retirement contributions. (We stopped all contributions for now)0.5 Get current on all the basics (You MUST have Food, Utilities, Shelter, Basic Transportation). (We are current on the ‘four walls’)0.6 Amputate "toys" (bikes, boats, ATV's etc) if they will keep you from completing the snowball within 12 months (We’ve sold pretty much everything that isn’t nailed down except the pets)0.7 Cut lifestyle (Cut CATV, Cellphone, Regular phone "extras", Internet, Eating out, etc) and/or take second job if $1000 EF will take more than 30-90 days. (depending on income) (I have a better deal with the phone & internet; we’re not eating out at all; I’m looking into getting a part time job)0.8 Get current on ALL bills. (We are current on all bills)1.0 Save $1000 In baby EF. (We’re starting this step next)1.1 Chop up CC's. (You have an EF now, no NEED to keep those CC's !!) (Already done!)1.2 Get Health insurance NOW (chances of getting sick w/ major medical bills are larger than that of death), especially if you have children. (We already have Health insurance through David’s employer and for me with Medicare; open enrollment is this month and we’ll be looking at the options since Gabe is no longer on the plan)1.3 Get Life insurance NOW if you have considerable debt/your family couldn't make it financially if you died. Especially important if you have children !! Social Insecurity provides only a small amount of coverage if you have dependents. (We both have life insureance coverage)1.4 Amputate cars that you can't pay off within 24 months (You have an EF to fix the "bondo buggy" if something should happen) (My jeep is paid for and the other jeep can be paid for within 24 months)1.5 Consider raising insurance deductables to $500 or $1000 and dropping full coverage on paid for "bondo buggy" (You have an EF ya know) (DR doesn’t actually recommend doing this; he says that full coverage is worth the cost; I did however raise the deductible)1.6 Draw up a will. (I did wills online at one point but I’m not sure where they are; we’ll have to take care of this) 1.7 Get Long-Term Disability insurance. (David has LT and ST disability insurance through work; I don’t have any since I’m on disability)2.0 Do debt snowball, paying all your debts from lowest BALANCE to highest. (family loan, jeep)2.1: You can take your first vacation since finding Dave if you can pay cash for it (no using the EF !!!) (Can’t even imagine this at this point)3.0 Save 3-6 months EXPENSES in EF. (I’ll lean toward 6 months)3.1 Start car replacement fund.3.2 Save up 20% for home purchase OR pay down existing mortgage to the point you can drop PMI. 3.3 Start furniture or other non-essential stuff replacement fund.3.4 Move up in car if you still feel the need to (must pay cash for it)4.0 Start contributing 15% of your paycheck to retirement. 5.0 Save for kids college fund. (Skip this step)6.0 Pay off house early.7.0 Live like no one else since you have lived like no one else. -- Give & Build Wealth.
It doesn’t seem as daunting when it’s in baby steps like that. It seems quite do-able. The big unknown is what DR calls “Murphy”. You know, Murphy’s Law: is something bad can happen it will. Murphy always seems to visit when you least expect it and can least afford it. That’s why he has you start out with the $1k BEF. Like this month – we spent quite a bit of money that wasn’t in the budget because I hadn’t planned on the expenses (prescriptions, doctor bills, late charges, fees, etc.). I had to put a $120 deposit down to get the phone and internet back. That sucked big time. I certainly hadn’t budgeted for doing that but thankfully I could cover it. Otherwise, we’d be without phone and internet for a lot longer.
It’s almost 9:30pm. I need to get to bed since I have to be up early to walk and shower before I leave at 9:30am for my appointment with Julie at the PPWFC. It should be an interesting meeting. I’m anxious to know how it would all work. I may not be able to work if it will jeopardize my benefits. We’ll see how it goes. After the appointment, I’ll come home to let the dogs out and then head to the library. I think I’ll try to pick up a book on tape while I’m there to listen to while I walk in the morning. I’ll also check on my hold. Dang it’s frustrating not having the internet!
Okay, it’s bed time. Hopefully I’ll be able to post this tomorrow (10/17) while I am at the library. I sure hope I haven’t lost all my email. That would be tragic. Especially since I have stuff on craigslist right now. I’ll have to relist everything if my email address has been cancelled. Okay, I better stop thinking about this stuff or I’ll never get to sleep. Goodnight.
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