The Move Is COMPLETE!!!

I have officially made the move. It was much easier than I thought. I’ve still got some boxes to unpack, but I assure you, if you’re on the blogroll here, you will make the move with me. So, for the first unveiling!

Please update your links and bookmarks. http://dreamy1.net is the new address…..:)

Initial contact made….

I had my first contact with the grand parent of one of the boys involved in the fight last week tonight. I explained to her what happened, and told her that I have two estimates for the repairs. Both are over the $500 deductible I have for my insurance. I explained that I wanted to find a reputable repair shop that would do the repairs for less than $500, and I wanted to be fair to the boys. I think that she is going to explain the situation to the boy and his mother, and things will be ok. I told her that I didn’t want to ask for anything other than my out of pocket expense. I guess we will see what happens.

I left a message for the younger boy’s guardian. I’ll wait for the call.

Posted in Car, debt. 1 Comment »

Unexpected expenses at the worst possible time

Thursday morning on my way to work, the strangest thing happened. No, it wasn’t an automobile accident, but I did think of running them over. There was a fight between two summer school kids in the middle of the street, stopping traffic, ending up on the hood of my car. The two kids made a dent in the hood of my car to the tune of $875. I contacted the school and know who the boys are, and who their parents are. One of the boys has stated to the Police Officer stationed at the school that he has a job and will pay for his half. I have to contact both parents on Monday after I get another estimate for the damage.

This brings me to the point of the title. Last month, I had trouble making the rent. (With the new job, this should be alleviated.) I depleted my emergency fund so that I could keep my landlord happy. (As a side note, the check hasn’t been cashed yet.) Anyways, now this is where the unexpected expense happens. I have to have the car fixed, so I’m going to pay my $500 deductible and get that from the boys. I don’t know how well this is going to go over with the parents. I know that the parents do know about the incident, but I want to be fair. If I can get an estimate for under $500, I won’t go through my insurance. (I’ve already checked with my insurance agent, it won’t raise my rates but it would count as an incident.)

Best case scenario is, the damage can be repaired for under $500, and the boys will just pay it. I’m hoping for this option, and I’ll definitely keep you posted.

What to do when you can’t cover your rent

This month, I found that I can’t cover my rent. Since my student loan came due, I had to pay for that and it was unexpected. I’ve been applying for PT jobs here and there, but I just know that I don’t need one. I don’t have the energy to do two jobs again. Especially since the last week in August, I’d have to quit because school starts. Anywho, since I haven’t been late EVER in the year I’ve been here, I am just going to pay late. I have enough in my account to pay $300 of the $400 so I’m going to earn interest on it in my ING account until I have the rest of it. My landlord is pretty understanding. I will not take the money out of my E-Fund to pay it. Yes it’s an emergency, but I should be out of the bind by the end of next month. I don’t do any unnecessary spending so it should be fine.

What are some of the things you do when you’re in a pinch like this?

I’m a Winner, AGAIN!!!!!

Woo Hoo! JLP over at All Financial Matters has been giving away items from Life.doc. He has been doing one give away per day for the whole week. I won the Moving Kit. Thanks JLP!

I think this will be VERY helpful, especially when I plan the big move from Syracuse!

Dealing with a Devastating Medical Diagnosis

In this post by Madame X, she talks about how to deal financially with a devastating medical diagnosis. I can speak from personal experience in this. Here’s my story.

In August of 2005, I started a new job. It was part time, no benefits, with the potential for full time. At the time, I only had the Family Planning benefit offered through Medicaid. I was feeling great, and just needed to see the gynecologist once a year. But at the end of the month, I noticed a lump in my neck. I figured my lymph nodes were just a bit swollen because of a change in environment. Well, October rolled around, and it was time for my annual girl exam. When asked if there was anything else that concerned me with my health, I mentioned the lymph node in my neck that was still swollen. The nurse practitioner told me that I should go to a doctor other than a gynecologist to have it looked at. I explained that I didn’t have any health insurance and she found me a doctor who worked with the local hospital. Read the rest of this entry »

Apology in Advance

So, I apologize in advance for the quality of my posts lately. I’ve been trying to find a second job to supplement my income for the next three months. I have checked out books from the library so that I may move forward with my quest for my own business. I learned yesterday that people WILL pay for services that they don’t want to do, or don’t have the time to do. It’s definitely a great idea. I’ll have to come up with some contracts for services.

Hopefully, the money won’t be an issue anymore. I’m struggling to live paycheck to paycheck again. I am still putting $50/month into my E-Fund. So that’s good. Any suggestions, please!