HelpMeFriend's Personal Finance Blog

When I woke up this morning, I just wanted to spend money. I want to buy a chest freezer for my kitchen. I want to get new socks for me and my youngest son. I want to spend, spend, spend.

WHY?

I want to buy a pretty bucket to put cigarette butts in outside.
I want new rugs in the bathroom.
I just want it all.

WHY?

I don't need any of these things, as I have socks, they just need washed, I have three bath rugs, and my freezer can wait another month or so.
Do I need a "pretty" bucket if it will just sit outside, getting rained on? NO, it is for nasty cig butts.
I am not going anywhere today, to control my hand in the money pocket.
Yeah for me. I can control myself!

Leaving a little comment on another debtors blog, I began to rant at will. I did not post that long thing, but wanted to get out my words anyway.

My mom yelled at me saying that I shouldn't be living off my refund, as that is never a guarantteed thing. I told her I knew. She doesn't know that I opened a CD with half of it.

She is also making me feel like her boyfriends daughter. When she lived one state away, they always talked about what a loser she was, how good I was to be working and rasing two kids.

Now the daughter not only lives in this state, but in the other half of the double house I live in. What fun.
She has let her gas and light bills go outrageous. She had no gas heat for 6 months. Her father paid the bill. Her lights were shut off; her dad paid the bill. She got fired from her job; her dad paid her phone bill.

I got a disconect bill from the gas co. for $90.41. I was shocked. You are really gonna turn my heat off in the middle of winter, with my two kids inside. My mom went online, and paid my bill.
She made me feel like the slut next door.
I told her that, and she said there is no comparison.
I still feel bad though. I am going to college full time, working way less hours than I should, and she is a bartender at a resturant. She shouldn't have to pay for me anymore.
Not that I don't appreciate the help.

When I moved in this house, she paid the deposit. I had a months rent, but not double that. Mom said that I was her only child and that when I need her, she was there and not to pay her back.

Then when the slut moved in next door, my mom paid her deposit.
What the hell?!

Thanks for letting me vent.
Sorry I almost hijacked someones blog.

I have been stocked up on laundry soap for quite some time. I bought tons of it when it was on sale. I am now wearing down on soap, bleach, spot treatment, and color safe bleach. I want to go buy more, but I am now telling myself use what you have first. I don't even know if there is anywhere having a sale on my brand.

I also found two quarters in the washer today. Yeah! I love to find money!
I wonder where my son gets his money though. I have found change washing the boys clothes. Joe empties his pockets every morning into his clean jeans. I don't get much change there. But I am trying to get him to use the change basket. He knows its there, since he has dug for quarters when he is running low.
I try to hide bills from myself there. I put them under the coin rollers and can't see it.
Happy three day weekend to you all who can enjoy it.

I am sure that some people out there hate credit card companies. I do. I hate when they call me 10 times a day, sent threat letters to my house, and if I had a job, try to call my work.
I just called to make a lump sum payment to a credit card that was WAY past due. Four months past due. I asked if I could have the $14.95 check by phone fee waived. She said no problem, but wanted to know if she could look to see if there was something else she could try. They have a payment match program there. I was making a lump sum payment, so she added half of what I was paying. WOW! The check fee was applied, but I will take a $227 credit over $14.95 any day.
Thank you so much, whoever you were.

I used my tax check for good this year. I know I said that I would use most of it for debt pay off, but I decided that I need to save my money rather than just spend it as soon as I get it. I opened a CD at my bank. I got the 6 month, highest intrest rate they had. 3.2% intrest rate with 3.25% APY. August will be a good month. I am glad that I saved. Its like hell froze over and I am in control of my money now.
I have my gas bill paid up until the summer. I over paid about $300. It was an accident, trust me.
I just need to pay up my cable, internet, and phone bills. Then I will be happy.

I have two three mid term tests today. I am feeling the love.
I gave Joe his heart shaped box of candy and he loved it.
I sent my children off with their class valentines. It's gonna be a good day.
I don't plan on spending any money today. We are having pasta tonight, so I do need to buy a loaf of garlic bread. We need milk too.
So I guess I plan on going to the grocery. I won't buy anything that's not on the list though. That is my new rule. If it is junk and we don't need it, it has to be on the list to get it. Ha.

Oh well. I can afford $10 to make dinner romantic for my three men.

This is my first quarter into college. I started back at the age of 25 knowing that all that I had learned in high school was semi-fresh. I am earning an A in all of my classes, and my mid term tests will be a breeze. I did want to be in school with my children, one is starting in first grade, the other kindergarden. I feel it will help disipline all of us to sit down and do our homework. I do wish I had more time to work to make some money, but really, by schedule is more hectic at night when I need to be working, not during the day. I can't blame school.
Of course, since these are the beginning courses, they are bound to be easy. I don't want to get a false sense of security. I know I am doing well now, but what happenes when I have to take accounting and other advances classes?
I will do great, that's what!!

I love my children but they are driving me crazy. My oldest is getting in trouble at school, and I don't know how to deal. I was the same way in school, and if I could not figure out how to be good, how can I tell him to be the way I wasn't?
I am lost. His father is a little help, but I am mostly the one going to the school and talking with teachers and the director. They don't call him a principal there.
I was on a first name basis with my principal in school, and I already expressed my feelings that I did not want him to go through that.
I will figure something out. I have to. If he goes to first grade and continues this behavior, they will just kick him out.
On a plus for the day, it was free pancake day at IHOP and I partook. I made a donation to the Childrens Miracle Fund and tipped the server for my meal. It was great.

I spent the last four days working. I wonder how much my paycheck is going to be. I don't get a lot of hours, usually only 5 or so a day, so I am hopeful that I make enough to pay off my phone bill and cable bills past due amount. I guess I'll find out.

I just spent $6.00 for chickens at the show, and I took a lunchable for my youngest son. He was the only one to go with me, even though I got in for free, saving $13.00. I will ad that to my $20 money. After he ate the food I brought, he wanted more. I had him walk around for an hour and he said again he was hungry. Not bringing food for myself was a mistake. We bought the chicken and fries for six bucks, and shared them.

It pays to have connections. I wanted to take my boyfriend to the show, since he is really into cars, but he did not want to walk around for hours, or go out in the cold. It was an indoor show though.
Oh well. We had fun.

My oldest child will be 6 years old in two weeks. We are having the cheapest party in the world. I am also only inviting family members. I would like to have children from school come, as my son is making lots of friends, but my house is too small, and if it is cold outside, I fear the 25 people already coming will have a hard time being comfortable. But they are all family, and want to squeeze in. Am I bad for not inviting my friends with kids? I do have my best friend and her family coming: husband, daughter, and brothers. But that is my best friend, and she must be there. I can't wait for her daughters first birthday. It will be huge.

I don't want to be a cheap skate around my kids birthdays. I never want to, but this year is a little different. The tax refund is going to necessities, and paying off debt. The bigger they get, the bigger the parties they will want. They can wait until they are bigger to plan to their wants. I may have them figure out ways to raise the money to pay for it too.

I know that I have money in my account, so now I want to spend it. I will go to breakfast and try to not go shopping after that. But I wouldn't have had the money to go to breakfast without my state tax refund check. Oh well. I will spend a little and make sure I save money to put on my credit cards. I thought of paying off one of mine this year, like I did last year, but I think I will just make my payments with extra to eat away at the intrest I have built up.
Yum, pancakes!

Woo Hoo!! Before I could even get to the computer and tell you that I found money in the washer, I found more money. I was washing a load of everyone's jeans. Who knows where it came from? Oh well, it's in the challenge bucket now.

We had a fight this morning. It was about money. My BD has been working and making all of the money for the last five months. Good for him. Finally. He is upset that all of his money goes to bills. I was making half what he is, paying all the bills and still found money to take care of the two childrens wants and needs.

His problem is that his past is catching up to him. He can no longer run from it. My past caught up with me after one year and now I am swimming in debt. I have some major situations that I have not devulged to this site. He is mad that I will not pay for his mistake. I am sorry, but I work two days a week, making almost half per hour as him and go to school full time. I go to and take care of all school and daycare things. He only sees the money half. I put my all into the family, not just making the paycheck.

Why must money be such a big issue?
I hate it.

I received my rebate card from ATT. It only took six weeks, like they said. Woo Hoo, $100. I was amazed. Have you noticed that no one ever sends a check in the mail anymore? I received a gift card that I had to activate. I guess the wrong person had their checks stolen, and now no one really send one out. Sometimes, they won't even give you money back, they credit your account with the excess money. I like getting mine back though.

My oldest son found a dime in the grocery store parking lot. He said can I keep it. Yes! Put it in your pocket. I was proud that he did ask though. He knew it wasn't his, and did not just keep it.
When I get my first paycheck in two weeks, it will be for one day. That's only five hours. Oh well, it's something.

Days added to your life:1 month, 11 days, 19 hours/0years

How does this make me want to stop smoking? Only one month added to my life. What if my hypothetical bus comes by the next day and flattens me?
I checked out a site about quitting smoking and it said that I will save almost $1,000 a year, but only adds a month and a half to my life.
The money thing makes me want to quit more.

I could not go anywhere.
My kids will drive me crazy.
Where could we go for free?
It's too cold for the zoo.
I want to go to my Grandma's, but then there are about 15 stores on the way home. I will want to stop and "just look".
I could finish the dishes, laundry, clean the bathroom.
My kids will drive me crazy saying they are bored.
They won't want to help though.
I must figure out what to get from the grocery store tomorrow. That makes me want to shop today. I won't go!
I won't do it!
I am going tomorrow only.
I just need to stay here, read the books I have already, and have the kids play in their room for a while. I just don't want to hear the Playstation all day.

I am sooooo glad that I finally went to the laundry mat and took 6 blankets that have needed washing since this summer. I had them in storage in the shed. They have been bugging me for some time. I took a twenty dollar bill, with $3.75 in quarters.
My three loads of blankets cost $17.00 to wash and dry. I really don't care how much it cost though. Like I said, I've been meaning to do it for months.
Our picnic blanket, denim jean blankets and camping blankets are now clean, and I feel great. I may be broke, but I still feel good.

When I was growing up, I was always told that I should do more laundry, since all the money I find I could keep.
They lied. I found $100. in my Dad's jeans once. Did I get to keep it?
Don't think so
But today, I found $1.60 in my washer. I am grown up and have never found that much change at once.
Add that to my little but growing total.

I did my e-file last night. It cost me $10.55, but it is definitely worth it. It should only take 14 days for my funds to be electronically deposited.
Woo Hoo!
I will not be just paying off my credit cards with it either. I owe my Grandma too much money. I also want to pay at least one months rent ahead. I got my job back last week, so there is more money I haven't had. I hope I make more money this year. Deer Creek will open up and I'll work every weekend.
It makes me look forward to next years tax refund.

I won't spend any money today. I helped my neighbor move in their new fridge and that made me want to get a little chest freezer even more than I already want to. So, to get that, and not use my tax refund, I must not spend any money. I have not gone to get my nails done in about three months, that saves $21. I also need to cut down on the cigarettes and tequila. They are killing me. Why do I keep buying them?
We were supposed to get six inches of snow last night. There was no snow. I did not run out and buy all the milk and bread I could find. I knew it wouldn't be as bad as they thought. So I will wait until Sunday, which is my normal grocery day.
I think we will stay home and play games or do a puzzle tomorrow. That might be a free day too.

I haven't blogged in a day or two. I am depressed about my finances. I wrote checks, mailed them out, and sat back to relax. Now my phone is disconnected, my gas bill has a disconnect notice, and I don't know where all my money went.
I can't live like this. I have to pay rent, daycare, and other items that I can't live without. I hate bills. I can't live without my phone though. But how do I tell them, here is another 200.00, when you get my other check, don't cash it. YEAH, like that will happen.
I guess I will have to get use to the fact that I am poor. I just filed my taxes online. Talk about depressing; I have two children and I am filing head of household. I thought I would get some money back. That's what I thought.
I will change.
This is the year.
I won't go through this again.
My college education will pay off.
I can change.

Okay, so I did spend $2.00 on a new puzzle from the Salvation Army, but that puzzle will give us plenty of nights of entertainment. My two children love to do puzzles. I just wanted to have one that was more challenging for Mommy and Daddy.

Put change under FOUND money
10 cents at CVS
2 pennies in a parking lot
That was by 7:30AM.

I don't even want to embarass myself about my taxes and how little I made last year. So I won't.

As I sit here with my Quicken 2008, I am balancing my check book. Why haven't I written down everytime I use my check card? Isn't that supposed to be an automatic? I can't help it. I save the reciepts, but that doesn't count, since when they start to crowd me, I toss them.

I will learn my lesson and get the hang of it. I hate being the adult.

I am on top of the world. I just had my best friend, and my hubbys best friend, who also happen to be married, come over with their baby. I had a great time, and spent 0! Makes me remember the great times I had as a teenager when we would always hang out and spend no money. We were just happy to be together. That was tonight.

I just got $10.00 put back into my checking account because the phone company refused the payments. What a day I am having!

Can you believe it? I called about a nearly $300.00 cell phone bill, and without crying, getting loud or upset, and without cussing (my biggie) I got a $66.66 credit to my account. Way to go me! That never would have happened a few months ago. I was so scared of my creditors that I did not even want to talk to them. I thought they would shut me off, send someone to collect, or some other ridiclous plan against me for money. Add that money to my challenge baby!

I came up with a great idea on how to get rid of all this extra money that I keep saying I have. I spent 32.00 on Quicken to tell me how I spend my money. I already had online with my bank. What did I need that for?
I have done s@#t like that before. And I know I'm wasting it too. Smack me!