So back on the 8th I posted about going to the bank because one of the accounts paid off with my debt consolidation loan was not mine because someone put an account number in wrong. I had been back to the bank something like 4 times since and only yesterday did they finally give me a check made out to the creditor so I could mail it in and get it taken care of.
First off, the account they tried to pay off did not exist so their electronic payment bounced right back. They immediately cut a paper check and mailed it to that same non-existent account only this time they put my name on it as if that would make it suddenly fixable. Nope. It still didn’t get paid. It took me a few weeks to find this out.
During my visits to the bank, I was told I would be paid out in cash, or with a check to me or with a check to the creditor. None of those things were happening. Finally on the 27th, after having my investigation of the whole matter expedited twice I waited another 2 hours in the branch and they cut me a check made out to the creditor which I mailed off myself that afternoon after writing my correct account number on it and printing out my statement and sending it all in.
Now I’m waiting for the check to get to Florida and then I’m also waiting for the check back from another creditor who the bank overpaid. That money will go towards paying off the new interest that the account they fucked up paying on generated during the month everything was in limbo. I’m rather irritated but what can I do? At least now things are finally getting taken care of like they should be more or less.
A friend asked me what kind of shopping I do in a typical month and how I can easily feed the two of us on $300 a month. I keep saying its super easy but apparently seeing my receipts is a must for getting it through their head. So, here’s a typical month’s shopping. I typically make 2 big shopping trips at the start of the month and then two weeks later as we don’t have much storage space, and one small one at the end of the month for about $35 worth of things. This list totals up to just under $300 at $298.81. As you can see, we get a lot of good stuff and if I wanted I could get more for less if I cut out the convenience foods like Mattie’s lunches and most of the frozen foods. I generally have about $10 wiggle room in my spending.
Frozen Foods $63.62
- 22 Marie Calender’s Dinners (Mattie’s work lunches) $43.34
- 2 Cornish Game Hens $6.62
- Mama Rosa’s Pizzas (8 pack) $4.98
- 2 packages Tater Tots $2.68
- 1 package of 2 Hot Pockets $2.00
- 1 half gallon Ice Cream $4.00
Dairy & Ova $44.02
- Cottage Cheese $1.84
- 10 Dozen Eggs $22.80
- 1 lb butter $3.75
- Block cheese $4.73
- Sliced Cheese $2.47
- Sour Cream $1.35
- 10 Individual Yogurts $4.10
- Coffee Creamer $2.98
Dry Goods $15.11
- 3 Deluxe Mac n Cheese $4.29
- 6 Blocks Ramen Noodles $1.08
- 2 pounds dry pasta $1.76
- 1 loaf wheat bread $0.98
- 20 pack of Tortillas $3.00
- 3 pounds white rice $4.00
- 5 12 oz Packages of Bacon $13.90
- 3 Ham Steaks $ 10.50
- 4 Cans Tuna $2.72
- Lunch meat $10.00
- 6 cans sardines $4.68
- 3 polish sausages $8.94
- 2 48 oz bags Chicken Breasts $12.00
- 2 packages of 5 bratwursts $7.76
- 1 package Hot Dogs $1.50
Sauces & Condiments $20.01
- 2 Jars Spaghetti Sauce $3.14
- 3 Food Seasoning Packets $1.32
- Peppercorns $0.80
- 2 Jars Alfredo Sauce $3.25
- 1 Bottle Ketchup $2.25
- 2 bottles Salad Dressing $3.25
- 1 Jar Mayonnaise $3.00
- Garlic Powder $2.00
- 1 Bottle BBQ Sauce $1.00
Canned Goods $40.38
- 2 cans Stagg Chili $3.48
- 8 cans Campbell’s Chunky soup $12.64
- 1 can nacho cheese $1.58
- 6 packages of 4 Fruit Cups $15.48
- 10 Cans Veggies $7.20
Fresh Fruits and Vegetables $33.78
- 2 heads lettuce $2.56
- 2 bunches green onions $0.78
- 3 yams $2.82
- 2 zucchini $0.81
- 1 pineapple $2.98
- 2 cantaloupe $3.50
- 1 spaghetti squash $4.10
- 2 cucumbers $1.36
- 1 bell pepper $0.89
- 10 apples $5.00
- 1 package fresh mushrooms $2.00
- 1 head of Broccoli $1.00
- 1 pound carrots $0.98
- 1 Red Onion $0.50
- 1 package 8 Roma Tomatoes $3.00
- 5 Bananas $1.50
- Coffee $4.89
- 24 bottle of Water $4.00
We don’t go through the bottle water very quickly because I have a water filtration jug and we refill our bottles from that most of the time, as well as use the filtered water for making coffee or tea. That alone is a big money saver and was absolutely worth the money I spent on the filter jug. Previously I was buying a flat of water almost every week, sometimes two at a time in hot weather.
I’ve also drastically but back my coffee consumption so one package of coffee is lasting me well over a month as I’m only drinking about two cups a week now.
Anyway, I know this could be made healthier, or with more ways to save money, but this is just my basic shopping list. Sometimes there is salmon or shrimp in it. Sometimes there are pork chops. I bought a spaghetti squash this time but next time I might buy a green cabbage. But its pretty much the same each month.
Our dogs in this photo pretty much personify how my day has gone so far. I took some photos of them, I vacuumed (they are shedding so much hair right now I feel like the house is actually growing its own hair too), I read a lot of random blog posts and commented on most of them, and I thought a lot about working on my current crochet project. I also thought about starting a cross stitch project which I want to do for Mattie’s nerd cave, and I got tired of Sashi begging all day long for treats, snacks, and handouts. We never hand feed our dogs anything but all day today she has begged as if its a regular occurrence. Nope. Not happening dog. That’s her hopeful “please give me all the things” face, BTW.
I did practice my ukulele some this afternoon though and will hopefully practice it again this evening before bed. Tomorrow I will check my finances again and see about calling a local music store to get in for a lesson this week if I can. I’m trying a different strumming method than I had been using and while it’s a bit slow to sink in (I’ve been using the other method for 3 whole weeks- an eternity! LOL), I think I’m getting it and it does sound fuller and louder. I also feel like I’m hitting all the strings better as well.
Tomorrow I’ll be taking Mattie’s dad around for a few errands in the afternoon, and then we’ve got pool in the evening. The season is almost over and pretty soon we’ll be getting our payouts for our wins. I don’t have as many wins as I had hoped to have this season but I’ll take what I’ve got!
We finally caught the mouse that was in the bedroom, though I’m not quite sure when. It was starting to get a little stinky when we remembered to check the mousetrap today and of course Sashi is obsessed with the idea of getting into the trashcan to get the nasty old thing. I swear the worse something smells the more that dog wants it. Yuck! I reset the trap in case he had a friend hanging around but I really think there was just the one.
I’m also feeling almost back to normal. I haven’t sneezed in two days and while I’m still blowing my nose, its been like once every few hours and not once every fifteen minutes. Tonight I’m hoping to finish my current book and maybe start another one before I knock out for the night, but don’t want to be up too late as tomorrow will be a busy day.
I started off today by going to the bank to have some paperwork faxed in for the debt consolidation loan I wanted to get. After that, I went grocery shopping, and then went to the library to check out the Friends of the Library sale and see if I could find any good craft books. I ended up finding 5 books that I paid a total of $2 for, so that made me pretty happy. Two of the books are more booklet than book, but they’re something I wanted so it works. I ended up with three crochet books, one with hundreds of cross stitch motifs, and a macrame book. The macrame book has some images of ancient examples of the knotty craft as well as some really cool stuff I’d actually like to make.
After that I went to the Grace Thrift store and found this beauty. I wish I could have taken her home with me!
I saw this really unfortunate scarf someone knitted or crocheted using both pompom yarn and faux fur yarn. Eek!
I didn’t see anything else I liked there so I went to the American Way thrift store next. I saw this microwave popcorn popper, which was just a big glass jar.
I also found at the thrift store a pair of acid yellow high heels. The shoes are less sunshine and more neon in person. I have no idea where I will ever wear them to but I could not leave them behind. I looked them up online when I got home and they are $90 shoes I paid $10. They’ve maybe been worn once. The soles are a little dirty but the insides are clean and the stickers are still on the soles.
After that, I got called back to the bank to sign my final paperwork to finish the loan process. They will disperse most of the money directly to the accounts I owe on, so I hardly have to do anything. I told Mattie I took out the loan explaining that a 11.5% interest rate is way better then the 19% and higher I’d be paying otherwise. He seemed to think negatively but I feel confident I did the right thing to save some money long term. Of course I’ll still be trying to pay up extra on the payments when I can, but I’m honestly not sure how often that will be feasible.
Not much else to say tonight. Mattie has pool tonight by himself and I’m going to watch some TV until he gets home. Night all!
Welcome to Deb’s Losing It!
Well, its my first post on this WordPress.com hosted site, which is new to me in the sense that I’ve always blogged on a self-hosted WordPress site in the past. However, letting a few domain names go and downgrading my hosting means I can cut my expenses in half almost, and my personal blog was just taking up space that was literally costing my money I don’t really have. The WordPress.com hosted site will do me fine though and meet all of my needs without a doubt and I’ll keep one domain name and a smaller hosting package for my business website.
I’m currently sick with an awful cold, and feel like death, and tomorrow will be a semi busy day. I’ve got to stop by the bank with some documentation to hopefully get final approval on a debt consolidation loan which long term will be cheaper than paying off everything like I have been. I’m also highly attracted to one steady payment throughout, and only making one payment instead of several. I’ve basically got 3 credit cards to pay off, one being a $1500 dental bill that in hindsight I wish I had had them pull the tooth rather than do a root canal.
Hopefully I’ll feel better tomorrow and can get all my errands done, as well as do some crafting. You can visit my shop at http://kittyloafdesigns.com. I’ve got over 200 unique handmade items, plus crafting supplies (some also handmade) available.