
Wednesday, July 29, 2009
Adventures in Getting By...part 2

Friday, February 27, 2009
A great day!
I have a credit card with Citi and, if you look back to see, I have a balance of over $7,000 on that card. It is one we are working to pay off. And the current interest rate was at 28.99%.
Well, yesterday I got two phone calls from them. I missed the first because I was in the shower, but got the second on my way home from work. The most pleasant person in the world answered the phone the make sure I was aware that I overlooked an extra $13 on my payment and to inform me that I was currently past due. I apologized and said I didn't realize my payment had gone up. We make an automatic payment of $250, so I didn't notice that the amount due had changed to $263. I inquired as to why it changed. He said something about "changes to the agreement" to which I replied, "oh, they upped the interest rate again, great."
He then informed me I could opt out if I wanted to, but I would have to cancel the card at the end of it's current cycle. I didn't have to pay it off, but I could no longer use it. This is a card I got myself and have had for a few years. It has a nice rewards plan and I'd like to keep it after I pay it off for emergencies and things like hotels and online payments, which I told him. I also said it would be nice to keep it without an interest rate of 30%.
To which he promptly said well, if you make your payment today to bring the account current I can give you an APR of 8.49%. WHAT? ARE YOU KIDDING ME? Of course! And I made a beeline for the computer as soon as I got home and paid another $50. Plus, today at work we got a $100 safety bonus (before taxes) for going three years without a lost-time injury, so it's paid for too!
I couldn't believe it. I barely even asked to lower it and he did, just like that. Just because I whined a little. There's a lesson here folks, just ask. I was especially surprised when I heard on the news this morning that Citi is being helped out by the government. They're in bad shape and they still slashed my interest rate. Thank you Citi for a very different customer service experience than what I am used to. I thanked the gentleman and explained that I was impressed and really appreciated his helpfulness. What a day.
We also installed a new toilet in our upstairs bathroom. No more pink toilet, now it's just the tub, sink and walls. We went from a 5 gallon ancient beast to a new 1.6 gal Cadet3 from American Standard. With and elongated bowl and 16.5" height, just for Hubby!
The evening wasn't all rosy though. I managed to drop one of the flange bolts down the drain and had to make an emergency run to get a new bolt and a water supply line (we knew that would have to happen but were prepared to wait until today). I can't believe I'm going to say this, but thank God for Walmart. The only place to get plumbing supplies at 10pm. I didn't get a picture, but I will soon. It makes the whole room look better.
Thursday, February 12, 2009
A battle rages
Before I was in the real world, I was known to have changed my underwear to coordinate with my workout clothes if what I wore the rest of the day was different. I have since moved on from that part of my life and I'm now lucky if what I wear to workout in is even clean, that is if I get to workout at all.
The reason I bring this up is that I have a dilemma: my coffee pot

My coffee pot was not used much until recently. As a move to be more natural and more frugal, my husband and I decided he would stop drinking a Monster (or two) a day and switch to homemade coffee in his wonderful stainless steel thermos. This has saved us about $35/month and I'm sure it is much better for him as well.
Consequently, the coffee pot that used to hide in the cupboard most of the time until weekends or sometimes when we had guests, now practically lives on the counter. This poses two problems. One: I don't really have room for it to live there permanently, I just don't. And two: IT'S WHITE!! I have all stainless steel and black appliances with stone and wood floor and cabinets and a black marble-looking laminate countertop. With a white coffee pot. Even my coffee grinder is stainless. The only other white appliances I have are the electric can opener (which I never use, only Hubby and only occasionally) and my KitchenAid (which at least has a stainless bowl).
Stainless frig, grinder, blender, etc. with the coffee pot that sticks out like a sore thumb!
We even have a stainless microwave!
My stainless steel stove and range hood.This bothers me to no end. I hate looking at it. Problem is it works just fine. It's no thrills: put coffee and water in, plug in and turn on, pour coffee, unplug and turn off. Simple, easy. No clock, no timer, nothing. I love it for it's functionality. But I hate that it's white.
The frugal and eco part of me is preventing me from replacing it with something that will match my decor. But the designer part of me is dying slowly inside. I try and clean it up and put it away every night, just to pull it out the next morning, but seriously folks, that's hard to do. I don't need a new one, it works fine. I shouldn't buy something made on the other side of the world with non-recycleable plastic parts and get rid of the same. I shouldn't and I won't, but it hurts.
For now, I'm getting by with treating it not so nicely - secretly hoping it will die on us soon. Oh the struggles of my life :)
PS, for anyone who feels pity, my birthday is early April and I promise to freecycle any still-working appliance I replace :)
Wednesday, February 11, 2009
More on dishwashing

Last night, I got home about 7pm, made dinner and sat down to work on my laptop in the kitchen. Hubby had basketball practice from 6-9pm, so didn't get home until almost 10pm. He called on his way home and I let him know he was the winner of the wonderful opportunity to do the dishes, yeah!! I was tired, cold and busy working. He didn't argue, which was nice. But I guess I get what I ask for.
He did the dishes alright. He filled the sink almost to the brim with water and then turned on the faucet to rinse EVERY SINGLE ITEM. I am not a rinser. We use Seventh Generation dish soap that is non-toxic and not overly bubbly like most standard dish soaps, so I'm not worried about us ingesting the occasional bubble. Our drying rack sits over our second sink, so when I'm all done, I take the sprayer and rinse the whole mess quickly. I also only fill the sink half way, if that. And then he stopped and let all the water out with the pan and skillet left from dinner unwashed. There's no more room in the dish-drainer. He's done. Which means I had to run another sink of water to finish those and a few others that were left undone. I also washed what I dirtied for breakfast, the crockpot and lunches, but would have left those for tonight otherwise. More wasting of water.
Here's some of the article:
Though it doesn't much resemble what's in my own sink, the face-off was based on washing eight six-piece place settings and six serving dishes. If you put all that in your dishwasher, you'd wash the whole kit and caboodle with an average of just six gallons of water. Four if you have an Energy Star machine. That's how efficient dishwashers are, and since it's hot water that's a lot of energy and CO2 emissions saved, too.
The typical faucet, on the other hand, flows at about two gallons per minute, which doesn't give you much time to rinse those 54 items and still beat your dishwasher. In fact, you'd have just 4.4 seconds of running water to rinse each piece (and that assumes you're washing with a soapy sponge instead of a basin of sudsy water). Which means that unless you can be pathologically miserly with your tap water, a dishwasher is the way to go.
In my world, I think I actually use less water to wash than a dishwasher would, especially since we would have a hard time filling it up most days, and I'd still need my pots and pans cleaned daily. I have to believe this, or it will eat me up inside. I'll venture to guess I don't put more than two gallons in the sink to do dishes. Add any rinsing I may do before or after washing, and I think I'd be pushing to use 4 gallons of water. Do I wash 54 items? Probably not, but like I said, I don't think I'd fill the washing machine up completely either.
But what do I do about my man who likes to leave the water practically running while he does the dishes, and by the way, gets it EVERYWHERE!?
I made a couple comments to him while he was washing last night, and probably got him mad, but it needs to be addressed. He said he doesn't care about the earth and tree-hugging and that garbage and doesn't like tasting soap with his food. I'm pretty sure he's making up the part about tasting soap...I never have and don't think there's even much of an opportunity to do so. I kindly reminded him that we also pay for our water, both what we use and what we put in the sewer, so it wasting money as well as water. No response.
What's a woman to do? Never ask for help with the dishes? Try and change a man who doesn't share some of the same beliefs? I've managed to get him to turn the water off while he's brushing his teeth most of the time. I guess it's a step. But this issue just bothers me so much!
Monday, February 9, 2009
Menu Monday
As usual, last weeks plan wasn't followed to the letter, but having it there always helps! This week will be more of the same stuff. We don't always have a lot of variety, especially during the winter.
- M - Pork Chops in creamy mustard sauce with noodles and broccoli
- T - Spicy Chicken Nuggets with oven fries (didn't get these made last week, forgot to marinate the chicken!)
- W - Pork Loin Roast with veg in the crockpot
- Th - Tortellini with tomato sauce
- F - Dinner at Kira's
- Sa - Valentine's Day! We will probably be going out for an early dinner.
- Su - Spaghetti with meat sauce
Valentine's Day will be a little different for us this year. The Friday before, I am supposed to get both my profit-sharing bonus from work as well as our tax refund. Because of this happy event, we will be purchasing a carpet cleaner! Hubby and I have thought about this one quite a bit and decided it will definitely be a smart purchase, and we'll have the money then. So the plan for Saturday is to go out shopping, and I hope to stop for a lovely early dinner before heading back home. I have a coupon for Olive Garden, but we'll see where the day takes us! We haven't been out to eat in quite a while, and I think this will be nice for us. The rest of the money will be going towards paying off debt and building up our emergency fund.
Wednesday, January 14, 2009
My personal mountain
This isn't something I usually talk about in real numbers with people. It's rather embarrassing really. I'm sure my husband would freak if he knew I was sharing. But I'm pretty sure this is for the best. I need to. If I share, it's real and I can be proud of my accomplishments when I've conquered this mountain. This debt mounted for two reasons I believe. 1) We went from renting to owning, which increased our monthly housing expenses by over $550, double, and didn't really change our spending habits. This doesn't even take into account the increase in other costs, like utilities, household items and the appliances we purchased. 2) Then, gas prices went through the roof and, though our spending habits did change slowly, we couldn't afford everything. With over $500 a month on gasoline alone, we were using credit cards for groceries and gas and bills got paid late. Now that gas prices are a little more reasonable, we're okay. We've also changed our health insurance plans, saving us a few hundred dollars a month. And now we've got a plan.
Other things have happened recently to set us back, like my car getting hit with MAJOR damage twice in two months (not my fault and no one was hurt...except the deer, thankfully) and a few surprise medical bills that amounted to over $1000. Oh yeah, and my husband's truck, which we still owe almost six grand on, keeps needing repairs for a few hundred bucks a pop! We're working towards paying it off. It will be slow, but I'm sure we can do it. And posting it here every month we keep us accountable, in check with the reality of it.
The recent budgetary discussion I had with my husband in regards to the basement issues was a very positive experience for us as a couple I believe. We BOTH realized how much we were in debt and we BOTH realized we had to do something about it. And we are. We've set up a plan and we're working on it. We will be reviewing everything together every month and working to the goal together.
So here it is:
- CitiBank: $7,126.39
- WAMU: $5,686.77
- Amex: $1,873.55
- 5/3 MC: $9,123.85
- BofA: $840.07
- 5/3 VISA: $189.65
- Kohls: $150.75
- PayPal: $161.15 (business related do to delinquent payments)
And this doesn't include our cars, my student loans (more on that later) or our house. The good news is that the 5/3 MC and Amex are both the result of balance transfers and therefore have very low interest rates. The bad news in Citi, WAMU and BofA have all defaulted to the maximum 28.99%. As bad as it sounds, I will be looking for a way to tranfer those balances to a lower rate card. I don't want to open a new account, but that interest rate is just going to kill us! Hopefully we'll be able to see progress soon.