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I need to vent

I can not post this anywhere where anyone knows me because it would not go over well, but I am fed up with Dh's ex.   She gets almost $800 a month in child support and isn't paying the kids's bills. She is 4 months overdue on her share of the orthodontist bill (her share is only $32 a month, ours is more). The school calls us almost daily about the kids overdue lunch accounts (we have them pack so that is ALL her) and she is overdue on their aftercare as well. None of this would be overly

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miranova

 

First week of work

It was fantastic! No students yet, so I won't have a feel for what I'll be doing every day for awhile yet. But everyone is so friendly, helpful, and most importantly professional. It is such a breath of fresh air. Working is downright enjoyable when you are dealing with mature, intelligent and emotionally healthy people.   I am very thankful for the 2 months unemployed and unpaid. We did not suffer; I don't want to give the impression otherwise. But we had to totally rely on each other.

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The kids are back to school!

And for the first time in 6 years, I'm not back to school!   I was very worried about getting bored. So far I have so much to do, I can't believe how I ever did it all.   Last week was very busy with PTO stuff. This week I did my Sam's club trip in the middle of the day when there was no line, same with Publix. The bills are paid, budget is updated, there is no pile of paperwork just sitting here waiting for me to find time to deal with it. The kids are caught up on dr. appointments. I r

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Updates

I finally received my payout from work, they owed me a little less than 2 months pay, but the taxes were higher than usual due to paying me in a lump sum, so the take home covers a bit more than a month's worth of take home pay for me. Since we use YNAB and budget a month ahead, I put the usual take home amount in for August's budget and put the rest into September's budget. (July was funded already with June's deposits). So August is fully funded at our usual amount. September will be the first

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I did it

I resigned today.   Are these feelings normal?   I feel guilty, because they gave me this job when I was desperate for a job and a single mother. Somehow I feel like I'm being ungrateful by quitting. I am the 5th math teacher to quit this year. They are going to be scrambling. It's hard finding ONE good math teacher, let alone 5.   I also feel guilty because not everyone can do this. Lots of people deserve it more than I do. Things will be tight don't get me wrong, but the fact that I even

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We may have a contract!

Cross your fingers for me. My old house has been on the market for two months now with no offers. We have now received an offer and are just ironing out details and have basically been told that the buyers will sign sometime today....I know nothing is final until it is signed, but it's looking good!

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7 more days

7 more work days (including today) and I will be done working.   Paid June bills today and freaked a little....but then realized that the June budget is fully funded, including a small vacation for us and the kiddos. Sinking funds refilled and I paid for our dog's $350 vet visit that we weren't expecting. I do have a pet category, but I think I need to build it up like a sinking fund because normally I only put enough in there for food and grooming. Vet visits are going to happen occasional

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Four more weeks...

And it may as well be four more years, it feels like a lifetime. Things are so difficult at work right now. Teacher appreciation week came and went without a word of appreciation from our admin. It's so ironic when people in education act like this. We know full well that students respond to praise, do we really think adults are that much different? I feel so incredibly undervalued.   Just trying to slog through and make it to the end, there is light at the end of the tunnel.   My list:

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One more item checked off....

It really pays to know what kind of car you want and do research. It is time to replace dh's car. We have gotten away with only having one car that seats all of us for almost 5 years now, but we are actually outgrowing the larger car (a Durango). It technically seats 8, but the 3rd row is not made for full sized adults, and neither is the middle seat of the 2nd row. My oldest son is taller than I am and he is now very uncomfortable anywhere but the outside seats of the 2nd row (or the front,

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Work Transition update

So, I'm terrible at keeping secrets, it's me that will be quitting my job. I don't use my real name here and never have so I'll ask that if you somehow know who I am in real life that you keep this quiet for a few more months. Thanks.   I work in education and I am going to finish the school year unless I am offered another position before then. At this point I am only considering online teaching positions. If I do not find one, I will not have a regular W-2 job at all.   Reasons are many,

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Storm cloud mode

We are going into modified storm cloud mode for the foreseeable future. One of us will be quitting or changing jobs...that is all I want to say in case someone "knows" me in real life. I can be more specific later. The impact could range from "slightly inconvenient" to "life changing", depending on some circumstances.   Things we are doing to prepare: Roth contributions have stopped and we are stockpiling that money. I still budget it, but don't send it to the Roths. We are still contri

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Endings and Beginnings

We just spent 3 hours updating YNAB, closing out 2014 and doing January's budget. Overspent just a tad on Christmas but had money elsewhere to cover it. Since we made a large payment on the 2nd mortgage in December, I'm very happy overall on how we managed our spending in December. January is budgeted. Throwing my husband a big party for his 40th and I have an additional $100 in groceries for that (over 50 people and the meat I ordered is $75 alone, so I'll definitely need the $100).   Making

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I'm sure you were dying to know...

....if I ever did that 5k. LOL.   We did it this morning and it was awesome! Let me be clear, I have never been a runner. When I started the couch to 5k 8 weeks ago I could literally barely run a minute. I almost gave up many times but I am stubborn and I didn't want to be a quitter. I kept at it and gradually got a lot better. Before today my best practice time was 36:30. My goal for today was anything under 40, with the secret hope I could break 35. We get there today and as soon as

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This and that

So, it seems we are on a spending spree lately but all is budgeted, and some has been scheduled for a long time, with money saved, just waiting for the right deal.   1. We found a hot tub on Craigslist! I have been saving for this since before the holidays, using really only "extra" money. Things like when I got gift card for Christmas, I used them for groceries and put the money in the hot tub fund, things like that. There are hot tubs all over Craigslist, but we wanted a large one to fit our

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Let's see how much this goes for!

Back when we bought our boat last April, we knew we would need to replace the trailer. It was a fresh water trailer and won't hold up in salt water. New trailers are very expensive and we started looking on ebay for a decent used one. The original trailer also didn't have brakes, which we really need. The boat is heavy and we skidded through a red light once. We can put brakes on any trailer, but we didn't want to put brakes on a trailer that we weren't going to keep anyway.   So, after

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Finally

After nearly five years at my current job, I received my first raise. Hopefully this is a sign of the economy finally starting to improve (hey, I can dream right?) My raise is hardly earth shattering (roughly $2000 for the year) but at least it's something. And it coincides exactly with dh finally getting his cost of living adjustment for this year. Between our two raises, we are replacing about a third of what we are losing in other income this year. So while we are still taking a hit, it'

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Sometimes, it's the little things

I had posted elsewhere that we paid out over $1000 to medical this month. These were expenses for the children, for which the exes are supposed to pay their share. For some reason, we are always the ones who lay out the initial expenses and then have to play "bill collector" with the exes. Dh's ex-wife already owes us money from months ago, and mine is currently playing a game of not reimbursing me for anything he's legally supposed to just to irritate me. He waits 6 months or more, until I'

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FPU

Just finished our third week of coordinating FPU!   It's going great! Not a large group but they are very committed and motivated. Great discussion and they ask lots of questions, which I like! We are loving it!

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Bullet point updates

because that is all I have time for. Well, they were going to be bullet point updates, but my return key isn't working again. UGH. Anyway. 1. Dh and I are working ALL. THE. TIME. right now. It's my busy season and I'm doing some kind of work 7 days a week and evenings from home. And Dh's company is just taking off like gangbusters...he is salaried and REALLY deserves a raise but that hasn't happened yet. However he will be in a great position to negotiate one later this year. In the

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Yay!

I am so excited to share this news with you all. Dh just had a meeting with one of our pastors and they are going to be doing an entire new stewardship program/ministry at our church and want a team of people to help. We are going to be in on the ground floor of this. We have some meetings to attend for planning of later stages but first thing is they definitely need us to lead an FPU class this fall. There will be more to the program than just that, but I've been wanting to lead FPU for a l

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One more project done!

We had saved $700 for mattresses, paint, and bedding to get DS age 10 and DS age 9 into separate rooms. We will no longer have a guest room but it was time. They are step brothers and have extremely different interests and personalities and I think it will be good for both of them.   Mattress shopping is SCARY. I swear most places we walked into, their cheapest TWIN sized mattress was $800. No joke. I am not spending that much! Found a couple of "sales" that were a waste of time. Then w

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Sigh

Ok, I've been cryptic for 2 months but I can't hold it in any longer since it is financial and affects our ability to work the steps.   My ex has asked me to voluntarily reduce his child support payment due to his decrease in income as of 2 months ago. I don't know the full situation, as I have been given conflicting stories. I asked for tax returns immediately. He has refused to give them to me, and now says he is "turning it over" to his attorney because he will no longer be paying me sin

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Post vacation update

We are back! 15 days is a LONG time to be gone from all of my creature comforts and staying in other people's houses. We had fun but I have never been more homesick in my life.   We are waiting a few days for a couple more gas receipts to come in, sometimes there is just a place holder in pending for $1 when it's really $80, but even after those trickle in, we will still be about $500 under budget for this vacation. I am so psyched about that! We did really well and were able to get our ho

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The rental is listed!

Wish us luck! If we can get it rented soon then we can have a nice, stress free summer. The amount of work we put into this is unbelievable, and we are ready to see some payoff. Fingers crossed!

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March happenings

1. We met our latest net worth goal last week and we weren't planning on that happening until April. So we had already scheduled our celebratory dinner in April with our two oldest going with us this time. It's very exciting because the more money you have in the market, the more you make on it, and the goals start happening faster and faster. 2. Boat fund got sidelined a little by car repairs, but we have about $7200. I get paid again next Friday and then I can do April's budget to see wh

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