Wednesday, January 25, 2017

The Fee Fiasco Update

As the sands of time goes, so are the days of our lives.........................Well the husband, God bless him, went to the bank yesterday and sure enough the fee was because we don't owe the bank a cent nor do we have a large sum in savings.  He spoke to someone and they suggested that we change to a different type of banking package.   As long as we have an ACH deposit of at least $500.00 once a month, the fee will be waived.  This will be no problem whatsoever due to his ACH is larger than that.

You know this is really sad because there are some folks out there who won't meet these guidelines and will be eaten alive with fees.  

I can only imagine how paying off our mortgage will effect my credit score.  As I read about it, our credit score is actually a debt score.  It shows we have debt and how we pay it back.  I once heard DAve Ramsey say that he doesn't have a credit score because he doesn't have debt.

For you guys out there who are debt free-how has your credit score or FICO been affected?

Tuesday, January 24, 2017

I am a Bit Ticked

So you remember how I said we paid off our mortgage at the very end of December?  Why yes we did!  Now we are incurring a $14.95 maintenance fee on our checking account because we do not owe this bank ONE.RED.CENT.  I looked at our account today and saw this fee so I called.  I suspected us being debt free, at least with them, was at the root of this fee and sure enough it is.

If we  have a ginormous balance in a savings account we can avoid the fee.

I told the lady on the phone that I felt we were being punished for actually paying off our debt.  She really didn't have a response to that. So..................I am hoping that the hubster will go to a branch and speak to someone who can rectify this for us or perhaps we will need to change financial institutions.

What say you?

source;  cafepress

Tuesday, January 10, 2017

The Snowstorm That Wasn't

Does this look like 10 inches to you?  Nope, me neither.  Oh lawd have mercy, the weather folks had this area all kinds of worked up for this huge storm that was going to arrive late last Friday night and into Saturday.  Grocery stores were at full capacity and then some.  Local governments along with schools were getting off early to avoid the impending doom that was about to arrive.  My workplace was even considering having some of us stay in hotel rooms starting on Friday night to make sure we would be here on Monday.  And no, I don't work in a hospital.  They just go coo coo for cocoa puffs around here any time the S word is mentioned.

I was a bit excited because we would have 2 days to enjoy before going back to work.  Nope.  It has been cold as blazes but that is about it.

We had a bit of cabin fever so we drove to get my husband's diabetes prescriptions.  Speaking of prescription prices will be going up while his are going down, way down.  It was a surprise to see his diabetes RX was less than $2.00.  You could have knocked me over with a feather with that one.

So how has your last few days gone? is something from last night!  So happy to see Clemson win it this year!

Go Tigers

Wednesday, January 4, 2017

Am I Prepared?

I've briefly touched on this subject before but thought since my part of NC is under a possible snow event in a few days, it would be great to revisit. I a prepper?  No, not really.  At least in the doomsday prepper sense-no I am not.  I do prepare a little bit though.  I don't like to have less than half a tank of gas.  In fact I will be going to the gas station some time tomorrow to get this taken care of.  I like to keep my cell phone charge up at all times just in case.

We used to withdraw $100 in cash every pay period to keep on hand, again, just in case.  You never know when the power will go out and CASH will be KING.  We stopped this but today since I got off early for an appointment I went to the atm and withdrew $100.00.  I plan on continuing this practice.  Again, just in case.  I watched a youtube video just the other day.  It is a new to me youtuber and she was discussing scenerios about why her family preps.  One scene was getting a call in the middle of then night and being able to jump up and leave and not have to worry about gas or money.  This is what triggered the cash response in me again.

So............the s word causes problems here in the South.  Grocery stores will be crazy busy and usually we don't get anything near what is predicted.  In 2000 we got 2 feet of snow and that was wild and crazy and amazing.  I will admit to going to Kroger to get 1/2 gallon of milk today but hey, I didn't have any milk at all.  I picked up a few other items to stock my pantry.

So what do you do to prep?  Do you like the show Doomsday Preppers?


Monday, January 2, 2017

My First Empty Container of 2017

Ta da!!!!!!!  My first empty bottle of the year.  There are very facial cleansers that I can use.  Cetaphil is the one that I use the most.  It is very gentle.  It can be a tad bit heavy on my skin, especially in the hot southern summers we have here in North Carolina.  My dermatologist physical assistant recommended it to me.

There will be many more empty containers this year!

I've Had It With Clutter

Oh my goodness, I have had it.  I am so tired of opening a cabinet and something falls out or realizing you have multiples of the same thing because you didn't realize you had one to begin with.  THIS.IS.THE.YEAR.  I mean it.  I will have a busy year ya'll.  Going to build up the savings while paying down the car plus getting this home simplified and decluttered.

First off, I will getting many many books out of the house.  My husband takes a week off each January to do various things and this year, we will be cleaning out our 3rd bedroom.  This room could be classified as a national disaster area or perhaps Area 51.  You may enter but you might not ever be seen again.  So this room will be the first job and it will be a biggie.  It is full of junk. Well not exactly full but you know what I mean.  It's the room that you don't want anyone to see.

Another area I need to get under control is paper.  I love to print stuff off of the internet.  Old clothes will be another project.  My husband has a ton of clothes that for some reason he holds onto.  I, on the other hand, have a ton of purses that need to go to Goodwill or Salvation Army.

I'm not going to make any resolutions because I am bad at keeping them but this mess has to go, therefore this lifestyle change will happen.  Even if I don't want it to.

Lord knows, I may even turn into a minimalist.

Stranger things have happened ya'll.

Remember that saying, just say no to drugs.  Well this year my mojo will be just say no to clutter!