Saturday, May 3, 2008
So today (on a Saturday of course!) I got the bills for mine & Tasha's Dr. visits in March. Mine was correct, showing the payment that I had made and that I owed $10.50. Tasha's was not. Hers had the shot they gave her ($40) and the fee for injecting it ($20!!!!), but didn't have the visit fee listed nor the $50 payment I made listed. So guess who I get to call again Monday morning? I'm going to be praying for patience and kindness between now and then because otherwise I'm probably going to be really rude and hateful. I'm sure as many statements as they have to send out a month, it's inevitable that they will make mistakes.
Today Tom & I are going to start going through stuff and pricing it for the garage sale. I also have 17 pounds of hamburger meat that I need to get browned up. Going to be a busy day, but did you notice that the words homework were not included in those sentences at all???? LOL!
We have a riding lawnmower that we are thinking of selling. We need some advice on what to sell it for. Any thoughts?
Friday, May 2, 2008
Here's something funny. We've had a loan through American General Finance in Enid for literally years. I'm guessing 10-12 years, at least. Anytime we'd get anywhere close to paying it off, we'd refinance it and start all over. We are now down to less than a year on it and I think they're getting nervous. We keep getting these letters in the mail: "You are eligible to borrow $ with no increase in payment, call today". Then yesterday, they called and told us that we had $1500 available to us. LOL. I said "thanks, but no".
On to the debt list. First of all, I called the billing office for the Dr. bills this morning because I'd never heard back from them or got the printout they were supposed to be sending. It was a very frustrating call and I was almost in tears at one point. She informed me that the Urgent Care bill is going to go to collections within the next week. I pointed out that wasn't really fair since I'd paid it and THEY had credited it to the wrong account. She blamed it on me using the online bill pay service through the bank and said that both accounts have the same account number. I looked later and realized they do not. At any rate, I'm going to pay off the rest of the 2006 bill and send the money for the current Urgent Care bills and those will be caught up. We will be getting a bill from the Dr's office from Tasha & I's visits in March but I'll have to take care of those on the next payday. I'm not very happy with the whole situation, but I don't know what to do besides pay the bills and go on. If we hadn't been in such denial about our bills then we wouldn't be in this mess in the first place. Life goes on...just gotta learn from it and move on.
So that being said, here's the updated bill list. As of May 2nd: $4356.35 in debt paid off!
Urgent care clinic: $46.15 (August 2007)-PAID!
Urgent care clinic: $40.55 (November 2007) PAID!
Urgent care clinic: $21.50 (February 2008) PAID!
Dr. Office: $79.20-PAID!
Dr. Office (June 2006) $105.02-PAID!
ER Doctor: $93.54-PAID!
Auto parts store: $161.73-PAID!
Second half 2007 real estate taxes: $148.64-PAID!
Car loan: Balance: $2303
House: paid $1340.24
Credit card #1: $2970-paid $75
Credit card #2: $1104-paid $25
Credit card #3: $990-paid $25
Credit card #4: $899-paid $25
Credit card #5: $908-paid $25
Credit card #6: $2509-paid $75
My student loan: $12, 913 (in deferment due to my full time student status)
DH student loan: $53, 248(in forbearance)
Thursday, May 1, 2008
Speaking of school, Serenity is getting ready for Finals week next week, so keep her in your prayers!
Tom gets paid tomorrow and our tax rebate shows as pending so I'll be posting some debt updates. I think we'll pass the $4000 mark tomorrow. We get $900 on our rebate. We'll give part of it away, put $410 in the baby EF to bring it up to $1000 again (and hopefully it will stay that way longer this time!), and save the rest to help with the work we're getting done on the house or in case we need it this summer. Even though I'll be pretty full most of the time, my income will still drop a bit during the summer.
Wednesday, April 30, 2008
Since I found out, I've been thinking about how much we take advantage of life, thinking that we will have another chance to tell the people that we care about how we feel. Whether that feeling is that we love them, that we're sorry for something we said or did, or that we just wish we'd spent more time with them. Hug your families and your friends and let them know you care. You may not have tomorrow.
Tuesday, April 29, 2008
Monday, April 28, 2008
Then to top my morning off, one of the credit card companies for one of Tom's credit cards calls. He says they got the payment and wants to know what our "intentions" are. I said that our intentions were outlined in the letter that came with the payment. Big surprise, they have no record of any correspondence with the payment. Yeah right. Anyway, the least they will accept is $100 a month and only if we set it up on auto-draft. I have to talk it over with Tom. Dave Ramsey says to never give a collector access to your account.
So I'm feeling a little down and frustrated and sorry for myself today.
Sunday, April 27, 2008
We have started revival at our church. Our speaker is Dr. Ernie Perkins (www.ernieperkins.org) and he's a great speaker. We meet tonight at 6:00, and the next 3 nights at 7:00. Everyone's invited!