Compulsive Debtor's Finance Blog

My husband took advantage of the nice weather yesterday to put up a clothes line that can extend across my entire back porch. I had mentioned that we could help the environment and save money by air drying more things, so he jumped right on it. (Probably spurred on by the $271.48 utility bill we got last week....)

Although it's windy today, the sun is out and it's still supposed to hit 50 degrees so I thought I would try hanging some jeans and tops outside to dry before the subzero temperatures return.

When I was growing up, we air-dried everything and this morning when I was outside hanging up the first load of wet laundry I had fond memories of my mother doing the same thing when I was a little girl back in the Stone Age. Of course, my little girl didn't seem to notice what I was doing because she was too busy trying to get in a game on the computer before the school bus came....

I sold one of Mini Me's dresses on eBay today. After shipping, I made $8.01 on the deal, which brings my challenge total up to $381.53.

My husband and I have re-thought our tropical getaway and have decided to push it back to late May since Spring Break is now out due to having to pay taxes on the booming side business.

The good thing about pushing it back is that we'll be saving $1,000 on the package since it will be in between high and low season where we're going. Also, we won't be pulling Mini Me out of school. The original plan was to have her miss 3 days of school so we could extend our trip a few days past the end of break.

Assuming a certain client forks over some dough soon to the booming side business, I should have all the cash in hand for this trip by the end of March.

A good thing that came out of this endeavor is that I've decided to start putting 25% of the booming side business' income into the tax savings account just to play it safe. If nothing else, I'll have more money next spring to pay down the debt and take another trip.

In need of a few laughs after our dismal discovery last night, my husband and I took advantage of Mini Me being gone for the day and went to see Juno.

We had two free movie passes plus a gift card for the concession stand so we didn't have to pay for anything.

The movie itself is very funny and did put us in a better mood.

The grocery guy just came. After coupons and sale prices, I got $128.31 in groceries for $88.57.

The person who did my shopping at the store did substitute breaded tilapia for non-breaded tilapia, which throws off my menu a bit this week. But it's still doable.

I can always tell if someone who cooks from scratch is doing the shopping. Those who know how to cook from scratch always substitute things that really can be used to make the same dish. Those who don't cook from scratch just throw whatever into the order. (For those who don't have their groceries delivered, you have the option of accepting substitutions if the store is out of what your ordered. They are supposed to get you the same item, but just in a different brand. However, this doesn't always happen, as witnessed today......)

It doesn't look good for the vacation in the tropics. My husband did a rough estimate of the taxes and my business situation; and instead of frou frou drinks poolside, I'll have to settle for plain water while continuing to slave away at the ol' salt mine.

Ugh....

I'm a little nervous about having to pay taxes this year. My booming side business was booming more than I had planned for in 2007 and my income was much higher than I thought it would be. Now I'm worried that I didn't put enough toward taxes.

If that's the case, the trip to the tropics that I was planning may have to be called off, which promises to put me in a big funk.

I'll know for sure in three weeks when I see the rock 'n' roll accountant, but in the meantime my husband is going to do some calculating and see how it works out without all the deductions and such.

I'm really feeling the need for a frou frou drink delivered poolside while my big hunk husband rubs suntan lotion all over me, so the numbers better be in my favor...

Since I was

rippin' on his dad earlier this month, I thought I should share that the 23-year-old son got a $19,000 bonus today at work.

After taxes, it'll end up being about $12,000. He reports that he plans on paying off his credit cards, buying a new computer and putting the rest into savings.

I guess his dad's errant financial thinking didn't rub off on him afterall. Thank God!!!!

The problem with working at home most of the time is that people know you're at home and expect you to drop everything for them.

For example, the house phone has been ringing off the hook today. Because today is the one and only day that I have this week where I'm not running off here or there for whatever reason, I'm trying to plow through a bunch of work projects. But every 10 minutes my mother-in-law or my sister or some unknown person who keeps hanging up without leaving a message has called. I've only answered one of the calls. If I answered all the calls, I would never get work done. And without work, I don't get paid (thus the financial bent here....)

When I used to work in the corporate world, I had an assistant who would run interference for me. If someone came in unannounced, he'd go down to the lobby and deal with them. If my phone rang, he would answer it and either make the problem go away or say I was "in a meeting" until I had time to deal with the person.

The closest thing I have here to an assistant are the two dogs -- neither of whom can talk, but both of whom are really good at chasing away uninvited visitors....

Sold and shipped something else on eBay this morning for a profit of $13.65. That bring my challenge total up to $373.52.

I signed up for a series of three seminars on women and finance for February. The only cost involved was $14.95 for the book, which has to be paid on the first night.

A friend set the whole program up as part of her job and was supposed to be there to make sure everything runs smoothly. However, she has a scheduling conflict and said if I would cover for her on the first night she would give me her copy of the book for free. She's going to set the room up and introduce the person leading the seminar. All I have to do is sit through it and collect surveys at the end.

Since I'm going to be there anyways, I have no problem helping her out -- plus I saved $14.95 on the book. Now let's hope the presentation doesn't put me to sleep....

The cold, miserable weather we're having is making me cold and miserable as well.

It doesn't help that I'm being asked to do something at my "office" that I have issues with. I plan on quitting the "office" job in May, but this is making me want to quit NOW.

I'm also irritated that one of my business clients owes me a couple thousand dollars and I haven't seen any money in a while from them.

Then there's the issue of the kid in my daughter's class who slipped three hateful letters in her backpack. My daughter can't read yet, but I can and I was so surprised by what I saw that I immediately sent off an email to the teacher asking her to discuss the issue with the kid in question. You have to wonder about a first grader who wishes someone dead.

The only good news I've had lately is that the insurance company approved three more OT visits for my daughter. We've been paying out of pocket for 6 months, but the OT decided to submit a request for more covered visits just to see what would happen since it's a new year. Surprisingly she got a letter back saying we were good for at least the next three visits, so that's $225 less we have to pay. Good thing since we maxed out the flexible spending money last week and won't be seeing any more money from it until this summer.

I made another $18.05 on eBay -- after shipping. That brings my challenge total up to $359.87.

I was dismayed that one of my items sold and the buyer immediately sent me a message saying she didn't mean to bid on it and would I just relist it. Well, yeah, but are you going to pay the relist fee, lady???

Helpmefriend was

questioning how I was coming up with my challenge money.

Aside from the fact that there's no written-in-stone rules for the challenge except for those you set yourself, I usually don't sell on eBay so it's not money I would normally be making.

Unlike some participants, I don't count things like coupon savings, walking stairs, etc., in my challenge money. Instead, as I explained when I first joined the challenge, I am only counting income above and beyond my base income that is stated on my spending plan. That base income is $8316.00 a month. Anything beyond that goes into the challenge.

The additional income usually comes from extra projects that I take on in my work, but I've also started to sell my stained glass supplies on eBay to supplement that income and to clear out the basement mini mart to make room for a new freezer. I also get occasional royalties and survey checks that I'm putting toward the challenge.

I can't see adding money for things like no spend days and exercising when those activities aren't bringing in any extra cold, hard cash -- just saving money I already have (or don't have in some cases) -- so thus my rules for the challenge.

I sold a couple more things via eBay today, so I'm adding $21.78 (after shipping) to the challenge. My new total is $341.82.

Thanks to the space heater I bought a while back, my office is the warmest room in the house, so the whole family has started gathering here.

Mini Me is playing a game. My husband is working on his laptop. The dogs are huddled at my feet. And I'm supposedly working.

Because Mini Me loves soup, I made homemade minestrone for dinner. It was delicious, but my husband has an aversion to any type of soup and only ate about three bites. His mother could possibly be the world's worst cook and I think he has bad memories of soup from his childhood. On nights I make soup, though, he just has to suck it up and endure because I'm not a short-order cook and soup is one of the best ways I know to get Mini Me to eat her veggies.

As a result of my husband not eating dinner, I was left with four Tupperware containers of soup that are perfect for Mini Me's lunches and even breakfast. She has been known to eat dinner for breakfast, which is OK since we've been known to have breakfast for dinner.

I did stop at Whole Foods after the postal drop/Taco Bell run and picked up dog food (yes, the dogs eat organic), some of my favorite tea, and a roasted chicken to make enchiladas with tomorrow. Mini Me has issues with meat, but will eat chicken nuggets so I told her she's just going to have to eat the chicken enchiladas tomorrow as well. (I have the feeling we'll be cutting up some tofu for the little midget tomorrow in addition to chicken enchiladas.....)

Despite their being no mail today, I did go to the postal drop place and ship some eBay stuff off, so I'm adding $21.69 to the challenge. The new total is $320.04.

It's Monday morning. It's a holiday, which means no school for Mini Me and no mail -- thus no checks -- for me. And the projected high is only in the teens today....

So, on that note, I'm trying to get motivated to come up with some fun plans for the duration.

I thought about a movie since I have two free movie tickets and a $25 gift card to the theater, but the only kid-appropirate flicks playing are Alvin and the Chipmunks and Veggie Tales -- neither of which I'm sitting through. National Treasure: Book of Secrets was briefly considered, but it's too iffy with Mini Me's age. (If anyone's seen it and thinks it's OK for a 7 year old, let me know....)


I had originally thought of having this kid who we shall call "Nellie" over for a playdate. (Nellie as in Little House on the Prairie Nellie.) However, Nellie's a whiner and I don't feel like putting up with it today.


Then again, Mini Me might just be happy going to the postal drop to mail some eBay stash with me, then swinging through Taco Bell's drive-thru, and then coming home to play in the basement Toys 'r Us before going to her 4 p.m. karate class.

Ummm ... that sounds like the best plan to me....

The grocer pulled up with the weekly delivery just as I was leaving to go to that office-like setting I sometimes hang out in. I didn't have time to do much more than glance at the contents of the order, but I was surprised to see 6 pounds of ground beef in one of the bags -- especially since I didn't order it.

The store didn't charge me for the beef, so my guess is it fell out of someone else's order in the truck and the driver thought it came out of mine. I didn't have time to call the store and tell them to come get it -- and I know from experience they just tell you to keep the stuff and they don't charge you since it's their mistake. But now I need to come up with more freezer space and some dinners involving ground beef.

To ultimately solve the ongoing freezer dilemma, I have started pricing stand-alone freezers. Before I purchase one, though, I need to clear out some space in the mini mart downstairs (thus the fire sale on dusty stained glass supplies currently going on via eBay....). I'm leaning toward an upright freezer for the ease of finding things in it and because they take up less space than the chest variety. Of course, then I'd have a hard time storing any intact bodies in it, but we'll cross that bridge when we come to it.

Back to the grocery store, I did get some good deals this weekend. Before coupons and frequent shopper discounts, the total was $120.49. After coupons and other discounts, it came to $72.77 (which included corned beef and half a ham -- in addition to the ground beef -- and a bunch of toilet paper that was more than half off). Tack on another $9.95 for delivery (aka My Sanity Saver) and taxes, and the grand total was $84.29 to feed and provide proper hygiene supplies to a family of three humans and two dogs.

I think someone here posted a link to

A Year of Crockpotting. As I've mentioned before, I'm not a huge crockpot fan. However, to take some of the pressure off in the domestication department, I've decided to use it once a week through the winter months.

My first endeavor is going to be the corned beef recipe. Mini Me doesn't eat meat, but she does eat potatoes and carrots and I can cut up some tofu to go with it. I haven't bought corned beef ever in my adult life -- let alone cooked it. So this should be interesting. Here's hoping I don't end up with a dry chunk of flesh that resembles something the dog has gnawed on....

I just sold a book on Amazon so I'm adding another $8.02 to the challenge. I'm up to $298.35.

Thanks to the folks over at

We Need To Be Debt Free, I’m now involved in a game of tag. I was incorrect to assume it had anything to do with a “Kick Me!” sign or someone spray painting my big butt.

Instead, here are the rules:

1. Link to the person’s blog who tagged you.
2. Post these rules on your blog.
3. List seven random and/or weird facts about yourself.
4. Tag seven random people at the end of your post and include links to their blogs.
5. Let each person know that they have been tagged by posting a comment on their blog.

I’ve accomplished one and two, so now onto three….
1. I’m really good at picking things up with my toes.
2. I’m very sensitive to smells, tastes, sounds and textures. One whiff of cigarette smoke can ruin my whole day.
3. I hate business meetings of any kind. Sitting on my bum listening to a coworker go blah, blah, blah is worse than a root canal in my book.
4. I’m an expert eavesdropper. Whether you’re talking on your cell phone at the grocery store or to the person sitting across from you while eating dinner, if I’m nearby chances are I’m listening.
5. My favorite drink is a venti black iced tea from Starbucks (aka Tazo lightly sweetened black tea). I save money by buying it bottled at my local Whole Foods.
6. I’m married to a nice guy who is incredibly patient and loving even when I am not.
7. I don’t like chain letters/e-mails/games of online tag and am usually the first to break them, which surprisingly I’m not going to do here.

I always hate to infringe on others unless invited to, so feel free to ignore this game if your blog is mentioned here:

Debt Kid

MerleSneed

Where’s Mommy’s Prozac

Imasaver

Broken Arrow

Six Figure Debt

Pennywise Meanderings

I got a couple more payments from eBay sales to the tune of $10.11 (after shipping and packing supplies), so my grand total is now $290.33.

Also, I've been "tagged." I'm not sure what that means -- do I now have some sign that says "Kick Me!" on my back? Am I contagious? Did someone spray paint my ever-expanding ass while I wasn't looking?

I need to go figure this out before I respond, but once I do I'll get back to you all.

After years of being a faithful subscriber to my city's two newspapers, I called today to cancel one of the subscriptions since my husband has an online subscription to both through his work. While talking to the customer service person at the agency that manages the two papers in town, I was also trolling around online and noticed I could get one paper Thursday through Sunday only, which is really all I need it for since I mainly want it for the coupons.

If I get one of the papers seven days a week, I'd be paying $145 a year, but if I get it Thursday through Sunday I only have to pay $38.99 -- in theory.

I say "in theory" because the customer service person told me it was $58.99 a year in my case because I was an "existing" customer. She did point out if I weren't a customer for 30 days I would qualify for the lower rate.

Well, DUH!!! Cancel my paper right now, please!!! In a month, I'll go online to subscribe again for the $38.99 a month deal. In the meantime, I plan on hitting the nearest convenience store on Sunday mornings for my coupons -- nothing like a Big Gulp or Slurpee at 7 a.m. to start a Sunday off right!

While I was off writing about my

debt and savings, someone paid for another eBay item and I made $17.20 to add to the challenge.

My new total is $280.22

If you look to the left, you'll see I updated the debt and savings totals. It's still bleak as far as the debt is concerned, but I'm happy to report that the debt did go down and the savings did go up over the last 9 months.

Neither went anywhere fast enough for me, but I'll take what I can get at this point.

I just submitted my final request for health care flex pay money for this fiscal year (July-July). We blew right though the money this year because of my daughter's high-priced medical treatments that insurance won't cover (DAMN THEM!).

When my husband switched jobs, we had no idea that we were going to need to put more toward the flexible spending account for health care because my daughter's "issue" hadn't been clearly defined at the time. Now, though, we're just going to suck it up and pay those after-tax dollars.

I actually never accounted for the flex pay money in our spending plan even though I did account for the medical expenses. I just made the spending plan work without the flex pay money and then when it came in I would bank that money in the furniture fund. So technically our spending plan won't be taking a hit now that we have no flex pay money coming in. However, my back will since I was saving up to buy a new mattress with that money.

Oh, well. Come July, we'll be back to drawing on more pre-tax dollars to pay for medical costs and I can go back to saving for a new bed. ...

The temperature is dropping fast here, which reminds me that the only other person in this house tall enough to reach the thermostat admits that he has cranked the heat up when I've been gone. (Actually he only admitted to doing this once, but I get the feeling it's been done other times as well.)

I did point out to the person in question that he could take the space heater out of my office and use it when I wasn't working at home, but he hasn't taken me up on my offer.

Maybe I should get one of those lock boxes to put over the thermostat and keep the key hidden. Ummmm.... now there's an idea....

I had some more eBay money come in today, plus a royalty check, so I'm adding $60.61 to my challenge money. My total's now up to $263.02.

I decided to skip all the activities I mentioned previously, and instead went to return some library books and stopped by the post office to mail another eBay item. After postage, I added $3.59 to my challenge money, which brings the total up to $202.41.

The final eBay buyer came through with a payment this morning. You guys are good luck!

I posted some more items today and I have some auctions ending later today as well.

eBay's going to be deducting its share of the profits in the next day or two, so once that's done and I get stuff shipped I'll update the challenge money.

I had plans to go to a movie today since I have a free pass and my daughter will be gone this afternoon, but my husband now says he's got too much work to go with me. I still may go alone or stay home and work myself or go get a manicure since I have money set aside for that or go for a run or take a nice long nap. The possibilities are endless...

I spent the morning clipping coupons and fiddling around in my office. The groceries have yet to be delivered this morning so I'm not sure what my weekly savings will be there. However, I didn't need much this week since we're still eating from the freezer. Based on my meal planning, it looks like I might be able to eat from the freezer next week as well.

This week's menu includes:

* Mac and cheese
* Fettucine with brown butter sauce
* Stir fry with pork
* Barley and pinto beans with tortillas
* Pan-seared mahi mahi with creamed brussel sprouts
* Leftovers
* One dinner out (tonight) with the Big Kahuna Sister