We’ve been lurching and spasming toward a longer-term gig since the season began mid-April. It began on Monday! (insert happy dance)
The foreman says there are seven jobs lined up for summer and a bid is in for a two-year job. That means overtime is going to kick in any minute now and if the long-term job bid goes through we won’t have to worry about the rest of Mr. Brickie’s apprenticeship because two years of steady work will sail him right through to Journeyman.
We’ve come so far.
I got word officially from the SNAP folks that our benefits won’t be renewed, but you know how surprised I was when we got them in June so the extra month really helped us transition from being in that dark, poor winter place into the light of summer and work and paying down debt.
I’m completely terrified to share what my credit card balances are but I’m nothing if I’m not honest and you can just gasp in horror with me. (I just keep muttering to myself “shame can’t live in the light” and hoping for the best) Also, we all know when I have an extra dollar it goes to the cards, so there’s really no reason to think this is how things are going to stay.
We have the following (I’m SO not proud of this, yikes.):
Visa Card: $4,549.22
CapOne Card: $1,157.24
Total CC Debt: $6,044.19 (eek!)
Currently owed on the car: $5,073.04. I thought it would be fun to share I owe more on credit cards than I do on my car, which feels SO wrong. It’s amazing to know that by the end of July that car debt will be under $5k! (We also still have tens of thousands in student loans but I’m not even cracking open that chapter of the debt repayment book until we get rid of this junk. Rest assured, however, we WILL get there. Soon!)
Yikes, right? I was paying the $151 to pay the bills but DUH I made a mistake! I didn’t add interest charges on that $151. So embarrassing! I couldn’t figure out why the total kept going up. So, yeah, even those of us who love math and numbers make mistakes. Durrrrrrr.
In the past, I’ve absolutely made those mistakes, but my budget muscles are big and strong and very “wanna come to the gun show?” in their awesomeness so I don’t mind showing you yet another 98 pound weakling finance picture because you know we’re going to get all pumped up this summer!
I should look back and see how much progress I made last year when Mr. Brickie finally started working full-bore. I’m not sure that will even help because he makes around five dollars an hour more than he did last year which will make a huge difference and then it will make an even bigger huger (that’s totally a word) monster difference when/if he starts clocking overtime.
A regular 40 hour paycheck (which we may or may not ever see. He only worked six hours on Monday because of those storms) would be $785. Which will be about $3,100 monthly. Our regular monthly expenses are about $2280 (that’s with $250/wk living expenses for tolls, gas, and groceries) and I SHOULD be able to eke out $800 a month toward that debt extra above regular payments.
But hey, if you’ve been reading for a minute you know that’s not how it’s going to work out. He will either get overtime and that will be more money toward the cards or he will get laid off for a couple weeks and we will scrape by with unemployment and side jobs or there will be rain and he will work 30 hours or something or another.
I guess it doesn’t matter if it’s easy if it’s worth working for, though, does it?
Sometimes I get really jealous of people who just make the same amount every week and know what each paycheck will look like every time. Not hateful-jealous just… wistful-jealous. The comfort of sameness.
I have a bill from my oldest daughter’s EEG (it was to rule something out and it was ruled out so yea!) After the reduced rate and the insurance payment we owe $323.59 … with the low work situation this month we do have it – but barely – in the emergency fund.
When I called to set up a 3-payment plan the lady informed me that this month they’re running a special and if I pay it in full in June, I’ll get 10% off (which would make the bill $291.23) and I’ve been mulling it over ever since. $32 is a really good level of savings off of the bill. We don’t have enough in our HRA account so we wouldn’t get the whole thing reimbursed but the amount in the HRA keeps going up while he works so I would get the money back eventually….
What do you think? Pay the three payments and leave myself some breathing room? Or pay the whole thing and get a discount? I’m leaning toward the discount. Even with the emergency fund a little low it’s still better to pay less, right?
Oh! Totally non-sponsored shout out to Discount Tire Warranties! We put four really great quality tires on the car two years ago. Got the warranty. One had a huge hole in it on Thursday and the new tire (current model discontinued so the replacement for that … same brand a little better quality) was 100% covered (except some weird $13 charge to update the warranty) so that was wonderful. Get the warranty from them. It’s worth it.
I didn’t keep good records in June. Training week he only made $250. Painting side-job week he made $400. That week he worked a partial week he made $458 and tomorrow we will get an unemployment payment of $360.
It’s been a rough month but I haven’t tracked anything really because it was just too sad to even think about. $1468 is our grand-total take home for June and it was literally barely enough to cover all the bills. It’s why the emergency fund is down and the credit card is up. I’m not proud of not doing more, I wrote checks for volleyball camp and basketball camp and camp invention and paid for Big Sister’s sleepaway camp. I spent when I should have saved, but I think it was a gamble that will pay off in the long run.
I mean, I have to think it was the right decision or I’ll just lay awake at night feeling like an idiot. At least this way I feel like an idiot and a good mom. All together, summer activities for the kids (not including softball) cost $300. Really I don’t think that’s bad for an all day camp, two kids in volleyball, all three in basketball, and a week of sleepaway camp. So I made bad budget choices on the cheap, anyway.
Social Media Break
I took a break from all the social media so there would be less of everything and I could spend the summer focusing on my family. I still like you my darling readers who I would have in my home for lunch or dinner or coffee or tea. I don’t have any apps on my phone and am logged off of all services on my computer. If you want to reach out and say “hey” just shoot me an email. It’s the name of the blog at gmail.com and I’ll respond. Or comment and I’ll respond. I just want you to know I haven’t ditched you even though you don’t see me bleating like a forever-dying goat on Facebook.
It’s been wonderful.