Though I’m not a government employee this shut down really has me nervous about what could come.
I’m in a number of financial groups, and other miscellaneous groups on Facebook. I have noticed that those who are effected by the shutdown, are posting that they can’t pay their bills. It’s really sad.
For me, I’ve been payed off twice and thankfully both times I’ve been able to pay my bill. This is the main reason why while on BS2 I add something to my EF, even if it’s $25 each pay day. My dad always said, even if it’s $10 you put something away each pay day and don’t touch it.
I can’t imagine working and not getting paid. But if that happens I want to be able to have some sort of cushion. I honestly think we are heading into a recession.
On a different note, I’ve knocked down CC9 to about $5,900, just waiting on a few payments to post before I update the sidebar. I want this baby gone. I’ve decided to start the 52 Week Challenge backwards and throw the money at CC9 each week.
The SO is still here 🤦🏽‍♀️🙄. For January he paid everything on time. On December 31st I had a conversation with him. I told him it looks like you don’t plan on moving. Nothing packed. I told him nothing has changed about my feelings and that I wanted him gone.
I told him that I am not going into 2019 trying to run him down for my money to pay the bills. If they’re due on the first, I want it by the 20th and no later than the 25th. I also had the same conversation two days ago. I’m not doing this crap this year. And the minute he misses he has to go. I plan on talking to him again tonight. Because I really need him to know that I’m serious. He’s a nice guy and all but I don’t give two cents that he refuses to stand up to his mother. I have a mortgage now.
Financial news, I paid the mortgage today, early. I added an extra $25. I know why? It makes me more comfortable knowing I paid extra. For me I want to pay the extra $25 every month. High balances on anything makes me nervous.
I also paid CC9 early added extra to that, and socked away funds to my sinking funds.
I got quotes from Progressive, car insurance, I can save about $100 if I switch. I’m going to review/compare my policies and coverage to make sure I’m getting the best bang for my bucks.
This week has been a good week. I haven’t dined out until yesterday. But 6 out of 7 days isn’t bad.
I’ll crunch the numbers, review the budget and see where I am today. I’ll share later.
Government Shutdown
January 11th, 2019 at 12:13 pm
January 11th, 2019 at 02:39 pm 1547217595
I will point out that paying extra brings the balance down and saves interest, this would NOT serve you well in an emergency situation or layoff. You would have wanted those extra payments to buy groceries, ect.
I'm sad that your SO didn't leave and you didn't make a bigger deal about it. So it sounds like now he can stay, but you have to babysit his payments every month? I would want him out. He should prove to you that he can make it on his own by getting his own place and paying the bills without a babysitter telling him when things are due. If he can do it on his own he is worthy of keeping. It's your life, so take my opinion with a grain of salt. We only know what you tell us. It just sounds so stressful not to know if he is going to hold up his end of the bargain. Not a way to live.
I guess one more observation from your post. You state you absolutely want the money by the 20th, but then in the same breath say the 25th by the latest. You do realize you did not give him a firm deadline. You also said he must leave by Dec 31 and then you caved on that. Your words sound strong, but your actions are not. What is he supposed to believe? If it were me, I'd give him until the end of January. If on Feb 1, he wasn't out, I'd call and change the locks. I would tell him this over and over until the date and then follow through. If his stuff isn't out and he wants it he can make an appointment to come get it when you are not working.
I need to check on a better rate for auto and renters insurance, too!
January 11th, 2019 at 02:41 pm 1547217698
January 11th, 2019 at 03:14 pm 1547219654
January 11th, 2019 at 05:51 pm 1547229111
I think you're still in love with your ex and maybe he isn't really your ex. I think that's why he isn't gone. You may need to look long and hard about why you keep letting him slide past deadlines and why you keep giving him chances. I don't think you are actually emotionally ready to let him go. Otherwise you'd be packing for him and telling him what date you are changing the locks on and that if he hadn't moved out by then his stuff will be on the front porch for easy retrieval.
January 11th, 2019 at 07:49 pm 1547236197
January 11th, 2019 at 09:09 pm 1547240974
Based on the timeline of your relationship with SO, I’m sure your father met him. What advice would your father give about the whole situation? If you know it, then follow it.
January 12th, 2019 at 01:18 pm 1547299089
He’ll never be able to live on his own, so long as the mother is around. No pun intended, I’m not wishing her dead but that’s the truth. After reading your comments, I’ve decided to tell him they’ll be no reminders, he can put it on his calendar. Add to his phone reminders what ever. Right now we are living as roommates, who split the bills
Thanks for your honesty
January 12th, 2019 at 02:30 pm 1547303454
You have to decide what YOU want. If you want a quality relationship, you have to look where those guys are. Church, business organizations, volunteering, wherever those men congregate. You deserve better than this guy, but you are going to have to get out there and look.
January 12th, 2019 at 03:51 pm 1547308277
Just remember if he’s living under your roof and if something happens to him, he becomes your responsibility. Evicting him will not be easy.
Research your state’s real estate tenant laws.
January 12th, 2019 at 06:45 pm 1547318701
I'm very concerned he is not going to believe you with your next move out date. Acting different...telling him often of the move out date, would be quite a noticeable reminder. But I get that you don't want to babysit him, if only for one month, to get him to take action. I think the lack of communication for weeks he hears it as though you have forgotten, so if you don't say anything and he doesn't say anything than it isn't real. He's in denial.
January 13th, 2019 at 02:51 am 1547347895
January 13th, 2019 at 08:14 pm 1547410490
As for paying extra on the mortgage...smart move. It goes directly to principal unless your loan is structured that it doesn't. And it is smart to have an emergency fund so when unexpected things come up, you can pay without hitting credit cards and personal loans.
January 14th, 2019 at 04:01 pm 1547481680