How I Hate This Process...

I am frustrated. I am tired of thinking about money all the time. I don't know how much hubby's next paycheck is going to be because of all the overtime he worked this past weekend. He is also still working a few hours a week at his part time job. I need to sit down, and get organized, pay my bills for the month and figure out where we stand. How come I just don't feel like we are getting anywhere?

I am letting my worries about money consume me, I sit here with the kids and play, but in my head I am crunching numbers. After they go to bed, I sit and read other blogs about other people and their debt. Then I lay in bed for about 15 minutes and worry about the future.

I just want this to be over with.

It doesn't help that my husband had a tooth ache which ended up in $273 unexpected dental bill, $60 of it being a new patient fee, which he realized later he was not actually a new patient, did he think to ask for that to be taken off the bill? No. It was all out of pocket since he has been out of dental insurance.

Hubby's car is up for inspection in November and Christmas is in December....anyone else want my money?

Sorry for the whiny post. I just needed to get it out.

Sometimes Sweet is the Way to Be

About a week ago I recieved my quartly trash bill. Immediatly I was furious, they had tacked on a $10 late fee, and to my knowledge it was mailed out before the due date. I put in in my file, and walked away.

This morning I take the bills out to see what is due by 10/15.... and there is the trash bill. Due by 10/10. I start to write out the check including the fee....and then the annoyance came back. I looked through my paid bills, and found the stub from last quarter. No due date. No due date? So HOW could my payment have been late? Why was I being charged a late fee? I look online and the check was dated for 7/7/07, and cashed 07/10/07...so wth?

So, I pick up the phone, and call. I give my name, and say in my nicest voice that "I received my bill last week, and I am doing my bills today, and I am confused by something, could you help me?" She asks for my account number - I give it. "I am so sorry, I will waive that fee for you right away!"

I didn't even have to ask her to waive it.

I immediately called my girlfriend, and said Neener Neener, she has about $30 worth of late fees and they refuse to remove them....I had to cheer, you catch more flies with honey.

October is Going Great Already!

Insert sarcasm here.

So hubs was told that it could be 2-3 weeks till they need him at his PT job. Can we say FREAKING OUT??!!!! It doesn't help that last week they had him leave early one day, and this week he has worked a whopping 12 hours at PT job. This doesn't make for a good month.

I had to dip into ef to remove for my son's preschool tuition. It's due tomorrow, paydays are Thursdays..... it's already killing me. My thoughts are running rapid. I can't concentrate. I hope I can get some rest tonight.

How did I get here? If you can spare, please say a quick prayer that this is only a 2-3 week break.