We’ll most likely do the baskets

but since they are only 5″ diameter, not much has ever fit in them. When the girls were small, I would put Band-Aids, toothbrushes, toothpaste, a book, hair bows and very little candy. Now that they are older, they still get very little candy and I will put a cd, dvd or iTunes gift card. We still hide the baskets and they have to search for them.

If the weather is good, we will do sunrise service at the beach and if it works with the Catholic church nearby, we will run through for the end of that service. No special meals planned for that day right now, not sure how many will be home.

Easter budgeting

Now is the time to start planning for Easter / Spring break . Are you cooking a big meal ? Are you doing baskets ? Are you going on vacation ? Do you have any budgeting tips to share ? Our vacation is paid for and that is as far as I have got. I am thinking of using beach pail’s for baskets this year. We are leaving for the beach the next day . I think that is cheaper then baskets and a fun alternative. So, what are you doing ?

My employer offered advances to any employee

who needed to be tided over, as well as covering any over the limit or fees etc.

Paychex are NOT good at payroll!

I have the money so the LooLoo Diva will be on the plane at 7am tomorrow morning and I (and the goof troop) can breathe and sign of relief and start singing “happy days are here again……..”

Need shed roof fixed

I have been a lurker for a long time but have recently started following the Dave Ramsey program. I sure wish that I had started a lot earlier.
My dilemma is this we have $2000.00 in our emergency fund. Our driving shed roof desperately needs to be repaired and it cannot be put off any longer. It will likely be around $10,000.00 to get fixed. I know Mike does not suggest borrowing, but does anyone have any suggestions or maybe you know this company http://detroitharmonie.com/? they offer payday loans for bad credit the same day! Any thoughts?

Sometimes the way is not easy or bump free..

Toddled off to the vet to get LooLoo’s health certificate and updated rabies shot and lo and behold, my card declined.

Checked with the bank, no direct deposit. Luckily my vet accepted a check while I scurried around in a panic.

Turns out payroll hasn’t run and will only clear on Monday, possibly Tuesday.

In the meantime, I have to get the money together to buy a kennel and pay for LooLoo’s flight.

The new owner sent funds via Paypal, but they haven’t made it into my bank account as yet, according to the bank, they will show up tomorrow. I’m going to call to MAKE SURE the funds will be there since I have to pay for LooLoo’s flight at 6am.

Well, I did ok, but not great on my goals

We did start the pool cleaning process, we knew it was going to rain, so I will start the chemistry experiment either Tuesday afternoon or Wednesday–no sense in putting chemicals in if I need to drain the pool. I had a very bad allergic reaction Saturday night–combo of the wonderful spring pollen, chemical overload of being in a crowd and food I normally don’t eat. So Sunday was a wash because of the chemical overload in my body.

Today’s goals are just to do the laundry and basic cleaning….unfortunately, I have also had to deal with the bank because someone is using a kid’s debit card and I needed to shut it down.

Hi everyone! Everyone

I am so excited today and just want to scream, so I will do it on here! We are debt-free! We are in our 60’s and the only thing we have left now is our mortgage. What a great feeling! It makes me so sad thinking how stupid I have been with money, especially giving GOD only the left overs. That all has changed.

Did we do it in a year? Absolutely not! It has likely taken 5 years but we just kept shaving things off bit by bit. By the end of this month hopefully we will have a 3 month emergency fund.

At the end of last year I decided to get on board in a real way even though my husband has been trying to get me to do it seriously for the last few years. The first thing I did was start keeping track of everything we spent. Then I made a budget. This month I started with the envelopes because groceries were out of control and that was my biggest problem. So now it makes me think harder on how to be more creative and use what we have already here. The other day someone said, “Before buying anything, LET EMOTIONS SUBSIDE, and then decide.” Now that is all I can think of.

So keep at it everyone, it will happen if you don’t give up.

Thanks everyone

Thanks everyone for the kind words on being debt-free. It feels so good. Someone posted about a cell bill and I too have done that before but with an electric bill. They tell you it will take 6 weeks for it to be refunded or you can use it for your next electric bill. Not good!
We have a cell phone but it is only really used for emergencies and I buy prepaid minutes. Our cell phone plans in Canada are not nearly as good as the ones you have in the U.S.

Someone I know doesn’t have health insurance

He has a heart problem. The surgeon wanted all of his money up front before he operated on this gentleman. The man was defeated and had resigned himself to live out his relatively young life (mid 40’s) with a literal death sentence. This is the plight of the working poor in this country…I went online, found out what he needed to do, and he had his life saving surgery; obviously, by another cardiologist, but at the same hospital (who was the liason to hook this man up with the medical team he so desperately needed). In the case of the solicitation that Eldred received, my thought is that this is from someone in another country. I don’t know how the health care system works elsewhere, but I’m certain in the cases of those without universal or private health care, it is expected to pay for health services up front. As a
sidenote, we were in the Dominican Republic on holiday one year. My daughter sprained her ankle. We went to the hospital and they looked at her and gave us crutches (that we had to put together ourselves, lol!). We were not charged for the hospital visit, nor for the crutches. It’s always so interesting to me what you learn when you travel!