The 30-something's Thread!! *finally* - Page 34
   

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The 30-something's Thread!! *finally*

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        04-12-2013, 01:36 PM
      #331
    Green Broke
    Quote:
    Originally Posted by AlexS    
    I don't know that we know I think everyone just puts one foot in front of the other and keeps going.

    Are you back with us now Sara? Where the heck have you been?
    I'm back, but starved for time so just popping in every now and then. Where have I been...let's see....Graduated with my Masters degree, started work (80+ hours a week, hence lack of time), got married, planning business trips, eek!

    What's new around here? I'm kind of looking forward to looking at some of the TB related threads here in a bit
         
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        04-12-2013, 01:56 PM
      #332
    Trained
    I'm trying to figure out what I am going to do with my life today.

    Minimum wage isn't cutting it, especially if my work is going to take $200 out of every paycheck (damaged a car at work and have to pay a $1000 deductible). I only bring home $500 after taxes and insurance, so now that's down to $300. So, that's $600 a month. Add up my bills (board, car insurance, court fees, gas in the Thunderbird) and that comes to about $500. Which leaves me $100 to help my boyfriend out with the utilities and our phones (which that $100 barely covers my half of the phone bill). Never mind my doctor's bills (insurance wasn't explained well to me and I thought I just had a deductible of $20-30...which I do, AFTER I meet my $7500 deductible ). Just from my appointment on Monday, I owe $90 (I have to pay 20% of any doctor's visits and the like). My ultrasound appointment on Wednesday is going to be another $100+. And I HAVE to get Aires' feet done soon, so I can start riding again. My boyfriend brings home about $550 a check (I make $7.80/hr and he makes $8.50/hr, but works slightly less hours). He desperately needs new tires on his truck, but because of the size that they are, they're a minimum $300 EACH. His mom (who he runs the vending machine business for) won't help him, even though the truck is still in her name (his dad bought the truck and when his dad died a few years ago, he left Robert the truck, free and clear...but somehow the title ended up in his mom's name and she won't relinquish it). Add to that the fact that his mom doesn't like me and is constantly asking him what I do with my money, and let's just say that she's out of the picture, as far as helping. My parents are having to support my brother who just got out of prison and they're losing some of their income as renters move out and such, and I can't/won't ask them for help.

    This is the most stress I've had in a while (since Christmas, at least) and I've been stressing over it so badly that I've been literally throwing up all morning (while at work). I can't talk to my boyfriend about it because he'll just say "It'll work out."

    Sorry, guys. Just freaking out a little (ok, a lot) and needed to vent it somewhere.

    Back to our regular scheduled program...
    Posted via Mobile Device
         
        04-12-2013, 02:09 PM
      #333
    Yearling
    Quote:
    Originally Posted by DraftyAiresMum    
    I'm trying to figure out what I am going to do with my life today.

    Minimum wage isn't cutting it, especially if my work is going to take $200 out of every paycheck (damaged a car at work and have to pay a $1000 deductible). I only bring home $500 after taxes and insurance, so now that's down to $300. So, that's $600 a month. Add up my bills (board, car insurance, court fees, gas in the Thunderbird) and that comes to about $500. Which leaves me $100 to help my boyfriend out with the utilities and our phones (which that $100 barely covers my half of the phone bill). Never mind my doctor's bills (insurance wasn't explained well to me and I thought I just had a deductible of $20-30...which I do, AFTER I meet my $7500 deductible ). Just from my appointment on Monday, I owe $90 (I have to pay 20% of any doctor's visits and the like). My ultrasound appointment on Wednesday is going to be another $100+. And I HAVE to get Aires' feet done soon, so I can start riding again. My boyfriend brings home about $550 a check (I make $7.80/hr and he makes $8.50/hr, but works slightly less hours). He desperately needs new tires on his truck, but because of the size that they are, they're a minimum $300 EACH. His mom (who he runs the vending machine business for) won't help him, even though the truck is still in her name (his dad bought the truck and when his dad died a few years ago, he left Robert the truck, free and clear...but somehow the title ended up in his mom's name and she won't relinquish it). Add to that the fact that his mom doesn't like me and is constantly asking him what I do with my money, and let's just say that she's out of the picture, as far as helping. My parents are having to support my brother who just got out of prison and they're losing some of their income as renters move out and such, and I can't/won't ask them for help.

    This is the most stress I've had in a while (since Christmas, at least) and I've been stressing over it so badly that I've been literally throwing up all morning (while at work). I can't talk to my boyfriend about it because he'll just say "It'll work out."

    Sorry, guys. Just freaking out a little (ok, a lot) and needed to vent it somewhere.

    Back to our regular scheduled program...
    Posted via Mobile Device

    Aww man sorry you're having such a crap time. I totally know where you're coming from. Have you sat down and thought about your skills/abilities to see about getting a different job that pays better? From other things you said before it sounds like you work for a bunch of asshats anyways. There has to be something you can do that you will be happier doing and will pay you what you're worth. I hate seeing people being taken advantage of and busting butt for crap wages!
    Back2Horseback likes this.
         
        04-12-2013, 02:09 PM
      #334
    Yearling
    Drafty, that blows, and I know exactly how it feels to be so trapped by finances. Honestly, because of all the unexpected expenses, we were that way and still are to some extent! We always end up getting saved by unexpected windfalls, some small, some larger. No one helped us, financially...there was some ramen eating and penny scraping for Milk for my son when we got partially screwed over by someone.

    Anyway, there's a few things I do that may help, though it may not seem like it right away. One, I coupon. It keeps us eating, and keeps our hygiene extra good. Two, I ebay...what do you have laying around the house that you no longer need? I bought a klutchclub box a few weeks ago...you get the cool travel best of box, and a subscription that's usually 18 a month...anyway there were some gift cards in it. Turns out, those overpriced shoes are popular: sold the gift card for 38 bucks. Paid 12.50 for the intro box. I've sold: old bits that I got in a big box at the tack auctions, I constantly am selling saddles, breastcollars and bridles...Sell a few things you don't need around the house, pay your bills, then keep some of that to roll into getting new "merchandise". Or if you're crafty, there's etsy.

    I use Expotv for stuff like horse supplements...they pay me for my reviews, I use their currency to purchase Amazon gift cards....and then the horses get their VitaCalm, Rice Bran oil (or whatever), Aniprin...etc. My husband does the same, and tries to save his points for electronics and extras.

    Anyway just some things that I've found really help when you feel so stuck and under pressure from finances. I hope it helps!!!!!

    PS, when I really really needed to pay my lawyer and we weren't going to get our tax return until the IRS audited (my ex commited tax fraud)....I took an extra unneeded elective at college, and pocketed the rest of the loan money ($1300) to pay lawyer fees. In fact, that's how we paid the PA lawyer her original retainer....takes some creativity, and it's not fun, but money juggling can be accomplished with a little effort.

    Also, any sliding scale health clinics in your area?
    AlexS and Back2Horseback like this.
         
        04-12-2013, 02:21 PM
      #335
    Yearling
    Quote:
    Originally Posted by demonwolfmoon    
    Drafty, that blows, and I know exactly how it feels to be so trapped by finances. Honestly, because of all the unexpected expenses, we were that way and still are to some extent! We always end up getting saved by unexpected windfalls, some small, some larger. No one helped us, financially...there was some ramen eating and penny scraping for Milk for my son when we got partially screwed over by someone.

    Anyway, there's a few things I do that may help, though it may not seem like it right away. One, I coupon. It keeps us eating, and keeps our hygiene extra good. Two, I ebay...what do you have laying around the house that you no longer need? I bought a klutchclub box a few weeks ago...you get the cool travel best of box, and a subscription that's usually 18 a month...anyway there were some gift cards in it. Turns out, those overpriced shoes are popular: sold the gift card for 38 bucks. Paid 12.50 for the intro box. I've sold: old bits that I got in a big box at the tack auctions, I constantly am selling saddles, breastcollars and bridles...Sell a few things you don't need around the house, pay your bills, then keep some of that to roll into getting new "merchandise". Or if you're crafty, there's etsy.

    I use Expotv for stuff like horse supplements...they pay me for my reviews, I use their currency to purchase Amazon gift cards....and then the horses get their VitaCalm, Rice Bran oil (or whatever), Aniprin...etc. My husband does the same, and tries to save his points for electronics and extras.

    Anyway just some things that I've found really help when you feel so stuck and under pressure from finances. I hope it helps!!!!!

    PS, when I really really needed to pay my lawyer and we weren't going to get our tax return until the IRS audited (my ex commited tax fraud)....I took an extra unneeded elective at college, and pocketed the rest of the loan money ($1300) to pay lawyer fees. In fact, that's how we paid the PA lawyer her original retainer....takes some creativity, and it's not fun, but money juggling can be accomplished with a little effort.

    Also, any sliding scale health clinics in your area?
    Holy crap! You are a fountain of good ideas! You must teach me your couponing ways
    demonwolfmoon likes this.
         
        04-12-2013, 02:26 PM
      #336
    Yearling
    Quote:
    Originally Posted by EmsTNWalkers    
    Holy crap! You are a fountain of good ideas! You must teach me your couponing ways
    I had a couponing thread awhile back, and tried to sell people on the idea. Google TheKrazyCouponLady. I love her blog because all the great grocery ideas have checkmarks on the side; click them, and on the bottom right it will populate into a list you can SAVE AND PRINT for a store by store breakdown. It's flippin awesome!

    Another thing is join sites like Ebates and Swagbucks. I did get a swagbuck deal for Proactiv the other day, that I wouldn't have bought otherwise, but it was $25 bucks, and I'd get about 20 of it back in swagbucks (which I could cash in for amazon gift cards). THEN Proactiv sent me a free gift, a cleansing brush...turned around, sold it on Ebay for 29 with free shipping ;). I may or may not continue my Proactiv subby, because it's expensive and a PITA...but it is helping my skin so mebbe.

    Start there though, at the KCL site, which will lead you to the other helpful extras like Mail In rebates, and apps like Ibotta and Endorse which will refund parts of your everyday purchases to PayPal. It all adds up!!!!!!

    And...if you really want to save money....(this one hurts)....don't eat out anymore.
    Back2Horseback likes this.
         
        04-12-2013, 02:33 PM
      #337
    Yearling
    Quote:
    Originally Posted by demonwolfmoon    
    I had a couponing thread awhile back, and tried to sell people on the idea. Google TheKrazyCouponLady. I love her blog because all the great grocery ideas have checkmarks on the side; click them, and on the bottom right it will populate into a list you can SAVE AND PRINT for a store by store breakdown. It's flippin awesome!

    Another thing is join sites like Ebates and Swagbucks. I did get a swagbuck deal for Proactiv the other day, that I wouldn't have bought otherwise, but it was $25 bucks, and I'd get about 20 of it back in swagbucks (which I could cash in for amazon gift cards). THEN Proactiv sent me a free gift, a cleansing brush...turned around, sold it on Ebay for 29 with free shipping ;). I may or may not continue my Proactiv subby, because it's expensive and a PITA...but it is helping my skin so mebbe.

    Start there though, at the KCL site, which will lead you to the other helpful extras like Mail In rebates, and apps like Ibotta and Endorse which will refund parts of your everyday purchases to PayPal. It all adds up!!!!!!

    And...if you really want to save money....(this one hurts)....don't eat out anymore.
    Excellent, I'll have a look at KCL. Thanks for the info! And eating out adds up to be so much money! We have already cut it back a great deal. Hubby wants an Australian saddle (I do too actually) and just the other day I mentioned how many saddles could have been bought for what was spent in the past couple months eating out. I'm feeling massively stressed because we are moving to TX from TN in the beginning of June and have so much to pay for!
    demonwolfmoon likes this.
         
        04-12-2013, 02:38 PM
      #338
    Yearling
    We're moving from PA to CA at the beginning of June! How funny! Looks like big changes for the both of us!!

    Add to that hubby getting downsized....yeek. Cutting out eating out has definitely helped! Actually it's easy to backslide...we had some Little Ceasars last night =/

    Anyway today /tomorrow is a great time to keep watch on KCL. Sunday morning is when the big couponing goes down, and the best deals (they post a Shopping for $5 and under for the drug stores, mostly personal care) are to be had then. For groceries, they post a breakdown of the best currently advertised deals on Sunday morning, it's all very informative! You'll have to let me know what you think after trying it out!

    Oh and don't try to start too big, or get all the deals, it's not worth the frustration when you're just starting, trust me! Hehe
         
        04-12-2013, 02:46 PM
      #339
    Yearling
    Quote:
    Originally Posted by demonwolfmoon    
    We're moving from PA to CA at the beginning of June! How funny! Looks like big changes for the both of us!!

    Add to that hubby getting downsized....yeek. Cutting out eating out has definitely helped! Actually it's easy to backslide...we had some Little Ceasars last night =/

    Anyway today /tomorrow is a great time to keep watch on KCL. Sunday morning is when the big couponing goes down, and the best deals (they post a Shopping for $5 and under for the drug stores, mostly personal care) are to be had then. For groceries, they post a breakdown of the best currently advertised deals on Sunday morning, it's all very informative! You'll have to let me know what you think after trying it out!

    Oh and don't try to start too big, or get all the deals, it's not worth the frustration when you're just starting, trust me! Hehe
    Yikes that's quite the haul! Are you taking your horses? I am wiggin' out about trailering my foal that far. He will be 2 months old.

    I'm going to check it out (KCL) and I'll let you know what I think. I love to find great deals on stuff, it makes me feel so dubious lol
         
        04-12-2013, 03:23 PM
      #340
    Trained
    I have a lot of skills that are very marketable. I've had a wide variety of jobs, most of them a year or longer. I'm excellent at customer service and I've even run an in-town Avis rental car location before. Yet somehow, despite all my marketable skills and the fact that whenever I have an interview, the person interviewing me seems to really like me, I have "failed" more interviews than I've nailed. I've interviewed at places and not gotten the job, only to find out that someone with far less experience got the job. Even when I know people who work at the company I'm applying at and they give me a good recommendation, I don't get the job. That's what happened with the job I interviewed for a few weeks back. It was for a receptionist at a cabinetry manufacturer. I know a guy who works as a kitchen design and salesperson. He put in a VERY good word for me with the GM. Two days after I submitted my application, the GM called me for an interview. Went to the interview (was early for the interview) and felt really good about how the interview went. Was told they'd have a decision by the following afternoon and would call me. Never heard another word from them. I even called them and asked that the GM call me back because I was told he was busy. No call. And that's how it usually goes.

    The stress from work today isn't helping, either. I've washed four customer cars and detailed out three rental cars in four hours. They keep bringing me customer cars with no warning, and the rental car guy is almost breathing fire because he needs these cars (have four rental cars left to do, plus whatever customer cars they bring me). The service writers and the service managers are expecting me to get the customer cars done in ten minutes, which is physically impossible, because we hand wash and hand dry ALL the cars we get, which takes a minimum of twenty minutes for a car and twenty-five to thirty minutes for an SUV (I do courtesy washes for the Hyundai and Subaru service).
    Posted via Mobile Device
         

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