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Low Cost Vacation

July 14th, 2019 at 08:08 am

Being out of town in small town is tough. I really wanted to stuff my envelopes yesterday but I have to wait until I return home. I could not find a BoA in this town.

The day before yesterday was a no spend day, and I’m happy with that. I’d budgeted $150 for this trip but only spent about $33. Not bad, I’ll be adding back to my fun money I did not spend.

I transferred my bi weekly contribution to my IRA, I hate there isn’t away for me to set up auto weekly deposits but oh well

We are heading home today and I’m so happy

Long Rant

July 12th, 2019 at 04:29 am

I’m on this trip with SO, two of his kids, two grand kids and his mom, it’s their family reunion.

I swear his mom gets on my last nerves. She never use to but I see how she manipulates him and it disgusts me.

First, he’s worked hard to ensure that she makes it to this trip. He’s foot the bill for everyone. We get to the hotel, she walks in her room that she’s sharing with her grand kids and she says, “this isn’t going to work.” I personally don’t know what the hell she’s talking about but says, well it has to work because this is the room they gave you and walk off.

I later find out that she wants him to go purchase a cot/blow up mattress 🛏 because she wants a bed to herself. The room is doubled. I told him tell her no. The last three trips we’ve been on she’s shared a bed with them. The only difference is, his sister who is normally in the room, passed away. I personally think she doesn’t like his other daughter. Why I don’t know.

Then we go to Walmart, she refuses to get onto one of those ride along carts. If she was my mother I’d tell her either she gets on the cart or stay in the car 🚗. Well what should have been a ten minute trip turned into almost a hour. Every two feet she has to stop. She’s tired 🤦🏽‍♀️🙄. Then she’s playing with his grand baby, because she’s out of breath. Next she’s looking at this and that because she’s out of breath, a part of me wants her to pass out 🤦🏽‍♀️🙄. Her and the kids pick up a $100 worth of foolishness, he then gets upset because the kid who had the baby galavants all over the store and don’t pick up what she needs for the baby. 16 year old with a kid. I’m pissed 😤 because she has this baby in the store puking with no bag, no wipe. Walking around this store as the kid is puking and leaving it there. WTF is the baby bag. I tell him, she wanted to have a baby she need to act like a mom. He needs to tell her, she must travel with his bag, even if she’s going into the store because anything can happen.

We’re on the highway she takes the kid out the car seat to burp him. I ask why she takes him out, she says, “how else am I going to burp him?” I say, tell your dad to pull over. Long story short no sooner than this crap, we almost get in an accident. I don’t say one word. Her and her baby is no longer any business of mind.

I can’t even remember what she (daughter with the kid) says to SO but he goes off and rightfully so.

Financial news
Today was pay day, I socked $585 towards my mortgage account. SO is suppose to pay the mortgage next month, I like to save just in case. I’m sure he’ll pay it, he did for July but I’d rather be safe than sorry. Once he pays I’ll throw the money into my EF. To get that back built up.

I’ll be able to add an extra $175 today to the EF as well, so excited. When you have less debt it makes it easier to save.

Though I’m dealing with this legal issue, I pumped the breaks somewhat on CC10. Normally I could throw an extra $500-$600 at it but I’m doing about $100 a month. I don’t know, I just don’t feel right if I’m not throwing something at it. Plus the EF is building back up nicely and it’s only been a month.

I also went ahead and added $34 to the retirement account. This I’m not stopping even though the dollar amount is minimal, I’m too far behind on this and time is against me.

The EF should be back to about $6,000 the end of this month. I’ll still continue to add to it aggressively until my legal woes are over.

Attorney and Vanguard

July 8th, 2019 at 06:23 pm

Praise God, my attorney filed the motion to dismiss the case. She then sent a letter to my brother’s attorney, basically putting him on notice that she hoped that he did his due diligence and that she was pulling the bank records in its entirety. I’m curious to know what my brother, his kids, and my mother is going to say when they realize my dad made these changes well before his death. I’m very please and confident with her. The letter she sent after filing the motion was straight to the point and kind of snarky too.

Other news we have a family friend who isn’t doing too well, I think he’s homeless. I called him today and gave him the $20 out of my fun envelope, that was what I had left. It’s not much but it’s something.

I called Vanguard regarding the swipe, the rep had no clue. He told me that was how the showed a transaction from an institution. I explained that a negative plus a positive in the same amount canceled each other out, and he was like um 😐.

I sent an email and got this,

“On your account statements, you'll see several transactions that are
labeled, "Sweep in" under the "Transaction type" column under your account
statement.

Your Roth IRA Vanguard Brokerage Account has a Vanguard Federal Money
Market Fund, which is your brokerage settlement account. Your money market
settlement fund is also known as a "sweep" account.

Vanguard Federal Money Market Fund (VMFXX) is the settlement ("sweep") fund
in all Vanguard Brokerage Accounts. Each Vanguard Brokerage Account has its
own settlement fund.”

MONEY MARKET SETTLEMENT FUND>>
The main function of the settlement fund in a brokerage account is to
facilitate trading brokerage securities such as stocks, ETFs, and
non-Vanguard mutual funds. If you want to purchase brokerage securities,
you should have the funds available to trade in the settlement fund. When
you sell these types of securities, the proceeds will transfer to the
settlement fund and begin accruing dividends on the settlement date of your
trade.

Friday Night Ramblings

July 5th, 2019 at 05:47 pm

Redeemed $5 on Receipt Hog and I’m about $.60 away from redeeming $20 on Ibotta. That’s $25 I’ll be throwing at my EF.

The day before yesterday I said to SO what’s your SSN I’m setting up a retirement account for you, you’re getting old. Without any questions he gave it to me and his Fidelity account has been set up. I have access to his account so I’ll start the weekly contributions low for him and then gradually increase. Even though I’m in legal mode and saving, I’m socking away about 2% of my take home pay until this mess is done. Then I’ll bump it up.

I’m so nervous now about retirement, my sister ran into an old family friend. She gave him a few dollars, he’s basically homeless, and in his 70s. She told me where she saw him. Tomorrow I’ll create a care package and take it to him. I pray this doesn’t happen to me.

Last week I had a dream that my brother’s attorney dropped hi case, last night I dreamt that my attorney sent me an email that she would be refunding my $5,000. I think something is going on. The week before I got the summons I had a dream that my dad, brother and I was talking. My dad was visibly upset with my brother but I didn’t know why. I woke up a prayed. Then boom the summons. I know that God is working things out. Deuteronomy 31:6 states be strong, do not be afraid, the Lord God goes before you.

Pay Day

June 28th, 2019 at 01:35 am

Today is pay day. The SO told me he’ll be handling my half of the bills this month since I’m dealing with my brother, and need to save for any additional potential legal fees, so I’ll be adding about $1200 to the EF within the next few days. I’m giving God all the glory and the praise. I was so worried about my EF and in just over a few weeks, I’ll be close to $3,500 after dishing out $5,000 for legal expenses. I’ll also be adding $750 to it mid July as well, once the tenant pays the rent.

I was thinking once I hit the $4,000 mark, I should start back paying down the CC, not as aggressive as before, since I was able to beef things back up so quickly. I know this isn’t the best option because legal fees can quickly rack up and I do not want to use a credit card, so I’ve decided to hold off. Maybe wait until I’m at about $7,000.

Honestly I just want my brother to leave me the hell alone. If I’m not able to get my legal fees back, I’m okay with it, just leave me alone. A part of me is hoping that the judge is empathetic towards me after realizing the crap he’s putting me through, and makes him pay me something extra in addition to my legal fees. I believe if he has to pay me he’ll stop, money rules him.

So pay day updates. Because I’m OCD about things, I paid the mortgage. I should have the funds today from SO. I did tell him I could foot the bill for my half of the household bills, his mother hasn’t paid him in two weeks, that’s a different story, but he’s insisting that I put the money up in case something else pops up.

Today’s pay day completed list:
$187.27 tithes not an option to skip
$990.10 mortgage, extra $25 principal
$195 CC10 minimum payment
$30 retirement
$299 savings

Mother Strikes Again

June 26th, 2019 at 06:44 pm

Sold an item on Poshmark and made $9.05, this will be added to the EF.

My mother struck again today 🤦🏽‍♀️. She called me up, she has a few extra chicken breast that a friend who volunteers at a facility gets. If the friend is volunteering and there’s items leftover, she’s allowed to take the leftovers. So here’s the conversation

Me: Hello
Mom: I have two packs of chicken breast, you want one.
Me: Yes, I’ll pick up tomorrow
Mom: You’ll pick up tomorrow?
Me: Yes
Mom: Well X gave to me and not you, she gave it to me and not you.

Then something inaudible and she hangs up.

I was so upset, WTH would you offer? I decided she’s not giving it to me to be kind, but to throw in my face, that she’s “not selfish” when in reality she is. She’s not giving it out of the kindness of her heart.

It’s times like these I wish my dad was here.

Mother 🙄

June 26th, 2019 at 04:28 am

Lord I pray I don’t end up like my mother. I look at my friends, who would go to the moon 🌙 and back for their mother, and yet I have think about it.

My mother is one of the most cold hearted people I know. Not to mention she’s just as greedy as my brother. Both her and my brother think that my dad had a million dollars and I got it. She had the nerve today to call me stingy because I haven’t offered to pay her cell phone bill. Well first of all as I told her, if her son wasn’t always suing me maybe I’d have some money. Secondly my sister was paying her bill, she even bought the phone, but because she’s so evil spirited she wouldn’t use it. Well she could have had her phone paid for.

That woman I tell you, she just grieves my spirit. I’ve been praying that God softens her heart and mind, but I really don’t know how much longer I can deal with her.

Interest 🤦🏽‍♀️🙄

June 24th, 2019 at 06:27 pm

I hate interest. Before my legal issues I had paid $300 on CC10, my final card, only to be hit with a $100 in interest 🙄🙄
No complaints, that’s what I signed up for when I agreed to use the card. I was really hoping to get this sucker gone but nooooo my jack🤬 of a bother decided to file a suit 🤦🏽‍♀️🙄. Every time I think about him, I get ticked off 😡. I’m more ticked off with him causing me to delay making extra payments.

Other news, I meal prepped today. I ended up throwing out a few meals in the freezer, from the previous meal prep, they were well over the time span. I’m going to make sure that doesn’t happen this time.

I did eat out today $3.20, I’ve got to get back on my game.

Upped EF

June 23rd, 2019 at 03:57 am

The tenant paid the rent $850, via cash app. I’ll throw $100 into the rental property account that I manage for my siblings and $750 into my EF, to rebuild it. Thank God, they agreed to let me use the money for legal stuff.

My rollover hit my Fidelity account and I’m suppose to pick some funds, but before I do that I will definitely research and get an understanding of how things work. I still have to roll over another $200.

As you all know I’m in a battle with my idiot brother. Yesterday I read this in my daily devotional.

“Truth is the absolute standard by which reality is measured. We may even have the facts, but you can have the facts and still not know the truth. Jesus said in John 8:32, only the truth can set you free. You can have information and not have the truth. Focus on the truth and watch God use it to bring you victory. “ - Tony Evans

This devotional really drills home, you can have the facts and not know the truth. That’s what I’m experiencing with my brother. I can’t wait for this to be over.

Upped EF

June 23rd, 2019 at 03:57 am

The tenant paid the rent $850, via cash app. I’ll throw $100 into the rental property account that I manage for my siblings and $750 into my EF, to rebuild it. Thank God, they agreed to let me use the money for legal stuff.

My rollover hit my Fidelity account and I’m suppose to pick some funds, but before I do that I will definitely research and get an understanding of how things work. I still have to roll over another $200.

As you all know I’m in a battle with my idiot brother. Yesterday I read this in my daily devotional.

“Truth is the absolute standard by which reality is measured. We may even have the facts, but you can have the facts and still not know the truth. Jesus said in John 8:32, only the truth can set you free. You can have information and not have the truth. Focus on the truth and watch God use it to bring you victory. “ - Tony Evans

This devotional really drills home, you can have the facts and not know the truth. That’s what I’m experiencing with my brother. I can’t wait for this to be over.

Legal Fees

June 20th, 2019 at 07:06 pm

Whew, so I hit the submit button to pay the credit card for legal fees today. While doing so I had an epiphany, God had me working so hard to pay off these CCs for a reason, and this situation is it.

Without the credit card 💳 debt, I should have the $5k replaced in no time. By next week, I should be able to throw about a $1,000 to my EF. This week, it’s $200. This is the extra money I was to use for CC10 that I stopped and forgot about 🤦🏽‍♀️🙄. I also need to stop my payroll deductions for the Christmas, birthday and vacation club. The vacation/fun, I think I’m going to transfer that to the EF

My two other siblings told me to take the money off the rental to pay my legal fees, that’s $850.

I sold an item on Poshmark so I’ll throw this at the CC as well.

God is amazing, he prepares us for things we don’t see.

In other news, I’ve been off my A game, I haven’t tracked my spending, scanned receipts 🧾 and I’ve eaten out twice this week. I really have to get back on track.
I did cancel a hair appointment, saving me $45 though.

Lastly, when I did my budget, I factored in a raise. The budget was approved and pray fully the CEO doesn’t change her mind, she’s notorious about doing so.

Please continue to pray for me, I know prayer changes things, because I’m not as upset as I normally would be in these types of situations.

Got An Attorney

June 19th, 2019 at 07:39 pm

Praise God I found an attorney and it’s the one I wanted to go with.

She’s not recommending that I sue my brother, but file something or another that will put his attorney on notice, that he’ll be responsible for my attorney fees when found that this case is frivolous. This makes me think that his attorney will drop his case. Either way, I told her all I want is for him to leave me alone.

Though I know I didn’t do anything it’s still overwhelming. To retain her, it was $5,000, thankfully I had the money in my EF and I didn’t follow DR plan with only $1,000. I charged the fee with the CC and will pay it off immediately. I’m racking up the points to cash out to add to my EF.

I’m putting CC10 on hold, to build the EF back up, because I know I’m going to have to cash flow this foolishness. I’m also putting the retirement on hold as well. In addition I realized that the probate attorney never closed the estate 🙄🤦🏽‍♀️. I’m hoping I can transfer the probate matters to the new attorney. You pay for what you get.

Either way, I’m giving God all the glory and the praise, for guiding me and walking me through this process.

Keep Praying For Me

June 19th, 2019 at 03:37 am

I wake up and thank God every day, especially since this mess started with my brother.

I’ve reached out to a few attorneys, all of whom shared with me so far that they do not take my type of cases. I have a call into another from yesterday and one today. I’ll admit when the first one said no, it knocked the wind 💨 out of me, I felted defeated. But I quickly realized God is preparing the right one for me. God has prepared and showed me so many things this week, I know that he is going before me.

Over the last few days I have not cried. I battle with depression and normally when things hit me like this, I’m like/start thinking I don’t want to be here. But I can say, by the grace of God, those thoughts do not cross my mind.

God prepared me for this battle of spiritual warfare, he’s been doing so for some time
1. The relationship my dad and I had was amazing, my dad would talk about and educate me on things in the Bible to the point I wanted to be like him that I started studying a little more
2. I found a church home ⛪️ that’s amazing
3. It was placed on my heart not to be in debt, save, now I can cash flow my legal fees
4. The week before I dreamt about my dad and my brother, I studied Ephesians 6:10-17, the armor of God, getting ready

So many things have happened but I can tell you, I’m not as bad as I thought I would have been.

SO has really stepped up as well. For this year he’s paid everything on time and over the next few months he will take on all/most of the bills while I pay legal fees.

Oh I almost forgot, I finally accepted the court summons. No need in ducking it

I just ask that you all keep me in prayer, I know that the truth will prevail, it just daunting at times.