Grumpy Tuesday

D is a very grumpy girl. I just did my type-A subtract-all-the-bills-from-the-current-amount-residing-in-the-checking-account thing…and came up with a NEGATIVE number!!! HOW did this happen? (I should say, how will this happen…since I am looking into the future.) Sigh. I know how it happened…both M and I were over our allotted amount on credit cards this month (and I didn’t bring my lunch today – BOO!).

On top of that, we have our new monthly car insurance bill, plus I threw $200 at our outstanding credit card bill, plus the quarterly bill we get from our Alma Mater came. This doesn’t include the tuition for the class I just registered for (Yay! At least I got my online Anatomy class!!)

GRUMPY.

Yes, I know – we have an emergency fund for these items. Actually, the car insurance would have come out of that fund anyway…if we were on the 6-month plan. So. I transferred some cash over from the emergency account, and I’ll try to bunker down and chill out for another 2 weeks. But it’s just so hard. I try and keep myself from wishing away the days, but I’m really so bored at work that I can’t help it. I have a test tonight and a test Thursday…I really just want it to be next Friday so M will get his second paycheck!

I like putting money in our happy accounts – not throwing it down the drain to various credit/loan institutions. We have about $1,000 per month going to loans and credit stuff every month – and when you break it down like that I get kinda nauseous. That number doesn’t include our monthly credit card bills either! That is just car loan + school loans + paying off big credit card. Booooo. I can’t WAIT until we have paid off that credit card – it’ll free up some cash!! Then we can start chipping away at one of M’s school loans that has ridiculously high interest.

Anyway. I better go find something to do – I do have that annual review coming up…Anyone else having a downtrodden Tuesday?

Registration Day

I really lucked out in college – I had pretty good registration times for all four years, owing to a variety of factors: luck, my mom’s friend in the registrar’s office, being an English major…but mostly a combination of luck and wriggling my way into classes thanks to mom’s connections (she is the administrative assistant for one of the school’s academic departments).

However, tomorrow will be the second time I’ll register for classes out of my college bubble. The community college where I’ve been taking my class just switched over to stepped (?) registration – the more classes you have under your belt, the earlier you get to register. Good for students that are close to finishing a degree and need only a few classes, bad for the part-time student who is just trying to get some pre-requisites out of the way!

Anyway, I really hope I get into an online class…there is a night option, but it meets four days a week, for five-and-a-half hours PER DAY. Yeah. I really like to read and do stuff outside of class. So I think that’s a no. I checked the space in the online class this morning, and it looked promising – but I’m scared to look now! I’m getting up really early tomorrow so I can register at 7:30 a.m. – let’s just hope my professor wrote that letter to the department saying that I was passing! We shall see. I hate leaving things in other people’s hands (type-A, remember?).

Anyway, I’ve gotta run but I’ll do a quick weekend recap – drove to Charleston with A and E, met up with college Roomie and had an AMAZING time. Danced, ate, saw hot boys in flight suits (M already knows allllll about our tiny obsession), saw really hot planes (I heart flames)…and did a lot of shopping with no results. (Which was good for my wallet and bad for morale)

Anyway, I’m home and it’s raining and I’m a little bored. I can’t wait to get home, hunker down with my note cards and get crackin’ on those books!

I'll figure out my summer classes (and how to pay for them) tomorrow. Ha. OOOH that reminds me, I need to ask M about his work reimbursing him for his classes...that bill is due really soon!!

Silver Lining

So. I was freaking out about two hours ago - about my car, about the insurance, about a ridiculously high credit card bill that just showed up. But...I talked to a reputable Honda guy, who says he can fix the car for $450 (after I drive home to see him). Insurance is obnoxious...but I think we'll survive this. I just need to yell at some people to fix everything. As for the credit card bill - M put his real estate classes on there (and work is supposed to be paying him back), which were more than $600.

So. We WILL be fine. I just need to breathe.

And, some great things have recently happened that I need to be grateful for:
- Our State and Federal returns are already in our checking account
- Our kitty got a clean bill of health at the Vet on Saturday
- I bought a shirt on sale for $19.95 (down from $88!!!) on Saturday
- We finally opened our online savings account
- I saw my mom, dad and brother on Sunday
- my annual review is in one month! (Hopefully this means a RAISE)
- I'm (hopefully) seeing a couple AMAZING college friends this weekend

That last one is a a bit iffy at this point. I was all about the trip to Charleston, SC - until my car decided to poop out on me. Now I'm thinking of taking it up to my parent's house so it can go in the shop.

I don't know... Anyway. The point it - I'm fine. M is fine. Kitty is fine. I just need to breathe, and it'll work out.

Car Troubles

I just got off the phone with Goodyear – they were just supposed to do a much-overdue oil change…and just called with news that my 1992 Honda needs more than $900 in maintenance repairs. This fact, plus the fact that my car will need a new timing belt next year (which is more than $500) make me want to cry. My car is only worth about $2,000…and I Just can’t afford this. But, we can’t afford a car payment either. Actually we could, if we weren’t paying $470 a month for M’s car. Yes. $470. My mom is calling our old friend that looks after our Hondas, to have him call the Goodyear and see if it’ll really cost that much or if they’re just BSing a 20-something woman. UGH!!! OMG. I JUST said this weekend how I love my car and I don’t want a new one. But I don’t want to pay more than $900 either.

Looks like our tax rebate check might have to go toward a car instead of M’s credit card bill…at least we have that money coming in. That’s a blessing.

I can’t help but be really angry at M. I don’t have a car payment, but I help him with his. The $470 a month plus the $900 every 6 month for insurance is UNBELIEVABLE. And now I don’t think we can afford a car for me because his costs so much. That isn’t fair. I have never had a ticket or an accident…and I have driven my old, beat-up Honda for more than 8 years now. Sigh. I’m just upset.

Auto insurance is another issue we’ve being dealing with. My insurance company decided that since I was married, M’s points from his accident last year should be on my policy as well – a way to strong-arm us into getting on the same policy. It doesn’t matter to them that M has his own policy that we pay on. SO UNFAIR.

So, I am pretty pissed about cars right now. I’m thinking I should just not get my car fixed, let it sit at our apartment complex and take the frakkin light rail every day.

Sigh.