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Time to part ways! ***WARNING: LONG BORING RANT!

April 23rd, 2010 at 09:24 pm

Ale and I REALLY need to get out of this house. Things have gone from bad to worse (in my view)...Don´t get me wrong, I knew things wouldn´t be easy when I accepted my nephew in the house (recovering addict). While he is no longer doing drugs (that we know of....at least, there are no noticeable signs, nor paraphernalia or anything like that) He is just completely irresponsible.

I know that that is in part because nobody (except myself) seems to have any real expectations of him... All my sister expects from him is 1. that he stays alive 2. if possible, that he doesn´t do drugs...

Besides those 2 things, I expect him to be productive, to have a job, any job or, at least help around the house and, definetely, I expect him NOT to steal stuff from the house!!!

He keeps stringing my sister along, after all, we believe what we want to believe!... He looks for a job, finds a job, keeps it for about 2 weeks to 1 month, then loses the job and goes back to looking for a job (the cycle is 3 months/ 2-4 weeks/ 3 months)...so, when he´s "looking for a job" (no doubt praying not to find one), sis doesn´t want to kick him out of the house because "he's looking, he has nothing, he'll go back to the streets and back to doing drugs" and, once he lands a job it becomes "I just want him to have at least 2 months at work so he has enough money to pay rent somplace else so that he´s not back on the streets/doing drugs"... which, of course, never happens!!!

ENOUGH! On top of everything, he eats A LOT (sometimes, when he craves drugs, instead of doing drugs, he just eats like a ravenous wolf, ok, I understand that, but... does he have to be dirty, too? Sis doesn't see it, since Ale and I are the first ones to get up in the house... I refuse to eat in filth, otherwise, I´d just leave the dining room looking like a pigsty so she could see, but, eating next to crumbs, or even chunks of "midnight snacks" just turns my stomach!)...I think the last straw was that he´s been drinking Ale´s soy milk!! (I buy the individual boxes for her to take to school, as it is more convenient. I tried using reusable containers, but, she just makes an awful mess!)...what infuriates me is that I buy a six pack, I instruct Ale NOT to touch the individual packages, and, she actually obeys me...what kind of message am I sending when all that happens when HE drinks it is that my sister goes out and buys a replacement?? Oh, yes, everyone else can get away with it, but YOU must obey! I HATE HATE HATE HATE HATE HATE HATE that! You have no idea how mad I get!!!

Oh, sure, sis yells at him and then he acts all offended (You never TALK to me, you just YELL at me!!!!!!!"!!!!!!!!!!!!!!!!!!!!!)...

Really, I cannot take it anymore. I know it won´t be easy, but, really, between the food bill and the power bill (both my nephew and my niece leave the computer and all the lights on at all times, no matter how many times I ask/tell them not to!) I know I can afford to live in a slightly more expensive house (it will even out). It might be good for sis, too, because she won´t be paying part of the nanny´s salary anymore. Plus, it would be good for her "children" (at 25 and 21!!!) to see that she REALLY cannot afford the lifestyle they live! (No, it´s not "luxurious", but, HE doesn´t work and, SHE works, but does not contribute to the house! I suspect she is saving that money in a cojoined account with her boyfriend)

As you can see, I´ve truly HAD IT!!!....
I have about $800 and, I need about $400 more to leave. I think I can get $200 cash, but, even if I have to borrow the other $200, I´m getting out of here!

I know my sis will have a cow, and I know she´ll cry and plead, but, right now, for me to consider living together, either my nephew and niece would have to PROVE that they are no longer leeches. How? Well, he would have to keep the same job for at least 1 year and, she would have to contribute at least $50/month for a whole year, too.

I would also consider living together again if my sister kicked them out of the house and they STAYED AWAY for a whole year! (she´s kicked him out of the house at least on 3 separate occasion, he is always back within 15 days!... he comes back with crocodile tears "I can´t make it on my own, I need my family, I know I acted badly...boo-hooo...please, please take me back...I don´t want to do drugs again..." and, of course, she takes him back and we go back to that cycle described above....

SOOOO...since I can´t honestly expect my sister to kick her children out of the house just because I think that would be best (and, if she did, I know things would really be broken between us, she would never forgive me...even if she understood my reasoning, she would always resent me!)... then I need to leave...

((sigh)) Ok, rant over....
tomorrow I´ll contact a real estate agent and, I will start quoting the stuff that I might NEED (we have 2 fridges from when whe joined houses, but, we have only 1 stove and 1 washer, 1 dining room set and 1 living room set.... in very bad shape... both came from my house, originally, but, when we sold our parent´s stuff-- they lived with her-- that went towards paying things in the house, so I´ll leave her either the dining room set or the living room set...this, however, is NOT urgent...the stove or the washer are, though!)

May is a great month for quoting, because that´s the sort of thing on sale for mother's day and, the sales last the whole month...

The amount quoted above would cover 2 month´s rent at the new place, plus either the stove or the washer, as well as my part of repairs on the house we currently rent, so that, when we return it to the owner (sis cannot afford to keep this house!) it is in the same state in which we received it.

Sooooo...please wish me luck and/or send prayers and good vibes so that I find an affordable house/apartment in a safe area!

Nephew

December 23rd, 2008 at 12:28 pm

Well, I have mentioned that nephew is now living with us... he's been with us since the end of October, after being released from his evaluation at the psychiatric hospital. The psychiatrist adviced against putting him back in rehab, said he's reached a point where what he truly needs is a home environment.
Needless to say, we have all been kind of on the edge about this...
Sis gave him 15 days to find a job... he started working at a warehouse about 2 blocks from home... the night shift...was there for a 15 day trial, but they didn't hire him because he "couldn't work as well after 2 am" (shift was 8pm - 5am)... they didn't pay him, either...since it was just a trial (he agreed to those terms prior to starting, so...)
Anyway...he had already applied (twice!) to a call center, and went and tried a third time (same call center)... the HR person noticed him and said: "you ARE persistent, aren't you?" and signed him up for a 2-week initial training... he passed the final exam and was offered a permanent position starting Dec 15 (sister's b-day... her best present ever!)... he was paid his first salary yesterday, and gave my sister $50 for house expenses... ANOTHER first!...plus, her best Xmas gift ever, too!...
Yes, we still have twin heart attacks when he goes out with friends... yes, our hearts still stand still whenever something goes "missing"...then resume beating when the items are found!... He's been behaving really well...having the occasional spat with my sister, of course... he's still not very good at following rules...particularly rules he finds useless...and sis is still trying to controll so many things, it's difficult...
The other day, for example, he went out with friends... he returned at around 12, and asked sis for money to pay for a cab ($7) because his friends had started drinking and since he wasn't drinking he decided it was no fun and took a cab to come back home... sis started scolding him for going out with these friends in the first place, knowing full well they were most probably going to start drinking... from where I'm standing, though, he made a responsible decision... 2, actually...not drinking and not riding with someone that was drunk... yes, it would perhaps have been preferrable (and cheaper!) if he had stayed home...but... he's 24, we can't put him on a leash or keep him locked up!... he HAS to learn to deal with this type of thing!
So, anyway... as stressful as this has been, so far, it seems like things will work out right! Smile

Going into frugal mode come 2009!

December 23rd, 2008 at 09:15 am

Well, we went off frugal mode in November- with the Xmas bonus at the office...
while a lot of the $$$ has been going to things that were needed/not urgent (like painting the outside of the house and the living room) some has also gone to mindless spending (not bringing food for lunch... useless trinkets for Ale, etc)... I wouldn't say it's BAD, but it certainly could have been better used (yes, you do need to have some fun once in a while)... anyway.. I've already warned Ale that, come January, we will NOT be going to the malls anymore, unless it's for school-related items (like shoes...she desperately NEEDS new school shoes, hers look like she took them out of a dumpster already! I noticed it early December, but decided that, since her last day of school was the 17th, they'd HAVE to last until then!...and, I will wait until the last possible moment to buy, given the way she's growing!)...
I also told her we will not be eating out as much or entertaining as much, unless we find free/almost free fun!
Wish me luck!

Xmas shopping!

November 16th, 2008 at 07:34 am

This year I have found a couple of things that I liked for my family, but, unfortunately, didn't have the $$$ at the time to be able to buy (to curb the temptation of spending the "extra" money, I pay it towards debt as soon as it comes in!)...
So far, I only have Ale's gift (it was expensive, but am sure she'll love it!)...
I have decided all others will get gifts from the craft fair that will be held next week at the office (that's where I saw the stuff I loved for them, at the last 2 or 3 they held, and it's always the same artisans, so I know I may not find THE things I liked, but I can find similar ones... This is so convenient...1. they come to the office, 2. I have a very wide selection in one place. 3. NO CROWDS!!!! 4. They don't take cc's!!!! (for some, this might be a setback, for me, it's an advantage: I cannot spend more than what I have allocated, and I cannot put a purchase on a cc!!!)
So.... I will only have to hit the stores if I DON'T find something for everyone...
Smile

Went to the circus

September 23rd, 2008 at 09:50 am

...there's a circus in town, and Ale wanted to go. I first told her I didn't think we could make it ($$), but then got an unexpected translation job, so I decided to surprise her...I didn't tell her until it was actually time to go there...I got us some tickets that while not the most expensive ones, were also not the cheapest ones (mainly because children were $10 no matter where they sat, so the difference would be only in my ticket's price), and took out $30 for "spending money".... I'm happy to report we spent "only" $20!! ...
The part that really made it all worthwhile was Ale's essay (I always look over the work she has done in school)...
"There once was a little girl who wanted to go to the circus, but her mom said no. But then, one day,they went to Tihany (the name of the circus), and it was a wonderful day".

So, it was a spendy day, by our standards, but if she feels it was important enough to write about it at school...

Steps to freedom - update

September 5th, 2008 at 12:32 pm

Well, things aren't going as planned, in that I haven't been able to make the payments I had estimated/ save as much as I wanted...(car maintenance, medical bills)..but I still think it's doable -it's only been 2 months!...and at least I got both the house fund account and the "tax" account set up...so that is progress...Also, what I did was more of an average, so that, in the end, things might still work out...(I can use a larger portion of the Xmas bonus for this, for example)...if all else fails, I'll aim to be debt free by:
Xmas of the year I turn 40 (so, December instead of July 09), or, worst case scenario: before Ale turns 10! - so, June 2010!!)

The dream is alive!!!

Look! The volcano is gone! ;)

September 1st, 2008 at 06:28 am

It has been very rainy lately, and it was sooooo cloudy this morning, you could not see the volcano!...I just had to point that out to Ale...
I was translating a program on volcanos in El Salvador....I must say, I didn't quite like it, it made it seem like my country is so barren...LOL!..it probably is...we are one of the most deforested countries in Latin America... Frown

They showed a waterfall and a piece of forest, but, since they were focusing mostly on the waterfall, it looked "rocky"...so....


Oh, well, it's part of the package for August (programs to be aired in Sept, and $$$ to be paid end of Sept/beginning of Oct)....I'm behind this time. I should have delivered the last script yesterday night, or, at the latest, today, but I still got 3 scripts to go!...

well, that is it for today...I have to take advantage of Labor Day (we are off at the Embassy, naturally, but, Ale is at school, niece is asleep and sis will soon be leaving for work, which means I have the whole morning to try to catch up with translations...but, since you know what they say about all work and no play, I called a friend and we will go to the movies around noon, so we are out just in time to go pick up Ale from school!)

woo-hoo! money!!!

August 28th, 2008 at 04:32 pm

I received my cheque for reimbursement of medical expenses...it's for $133.64...that solves my bank loan payment problem....the medical expenses went in my cc and I don't have to pay THAT until the 14th...by which time I will have not only my next salary payment, but for sure the translation money, as well!
woo-hoo!
I love it when things work out! Smile

Can't wait for the next payday

August 26th, 2008 at 11:00 am

While my finances are in much better condition, I still haven't gotten to the point where I can afford to live solely off my salary OR the translations...I need BOTH...(at least I'm not trying to decide WHICH debt gets paid and which one doesn't anymore!)...so, yeah, I need to pay the new loan ($209) and Ale's school ($155) and the rent ($175) and there's only $180 in my account right now...I NEED that translation $$$$...hopefully, it'll come before the end of the week (that would be SOOOO great!)...if not, I'll just have to move some money from my "taxes" saving account to the checking account to pay for the loan and the rent, and pay Ale's school (due on the 10th) with my next salary payment (9/5)...Everything else is covered...

Ale's school shoes

August 8th, 2008 at 09:08 am

In February, Ale needed new shoes for school. I bought her a size 2 pair, which were a bit large for her at the time, and, since they were having a 2X1, I bought a size 3 pair for the new school year (starting next week)...sis said I was exagerating and that I would probably have to save the size 3 shoes for the FOLLOWING year (Aug 09)...turns out, I was right! Those size 3 shoes are the perfect size right now (which means I will probably hit the 2X1 sale in Sept/Oct for a size 4 and size 5! LOL!)...oh, yes, those size 3 shoes also fit my sis! LOL!

Si se puede! Si se puede!

July 30th, 2008 at 09:36 am

(it CAN be done, it CAN be done!)
I've only got 1 more translation to go...after that, I'll be FREE to enjoy my nights (8pm -11pm)...I will be able to catch up on my knitting (I'm -or was!- knitting a blanket for Ale, for Xmas... and now I'm way behind!)....or read....or watch TV (although, I DO have it on and watch a bit while I translate...don't ask me why, I work faster that way!...yeah, I know how that sounds!)...or, do NOTHING...

The only problem is...I'm having a "laziness attack"...I really don't want to work on it...and, I COULD delay it for the weekend, but....we have the national holidays (in honor of the Patron Saint) coming up next Mon-Wed...and, wouldn't it be great to be FREE before Friday, so that I could REALLY enjoy the holidays...no work at the office, no work at home??

((sigh)) SI se puede, SI se puede!

Ale goes into business

July 10th, 2008 at 02:33 pm

...or, she will, once we work the numbers...

I made her some iced popsicles yesterday...it seems Nanny had attempted this some times before, without success...

The popsicles came out perfect this time!
Ale wants to sell them to the neighborhood children for $1/each (I told her she really can't do that, since the store in our neighborhood has cheaper ones, but promise her we'll work on pricing and then she can start...I also told her she can make "chocobananos" - frozen chocolate-covered bananas)...This conversation took place at lunchtime...

At 3pm, she calls me to work, and wants to know who gets the money...meaning who gets to keep the profits....
she also wants to know where the "original" money will come from ...meaning the money to buy the supplies for the first batch....

I told her I'll loan her the seed money, and she gets to keep the profits, but she can't spend it, because she has to re-invest it...she got a little confused with the concept of profit, so I promised I'll explain to her when I get home...

Even if she doesn't make much, it'll be a good experience!

Goals = Steps to Freedom

July 3rd, 2008 at 10:16 am

Thanks for all that responded to my last post...it really was illuminating!

As a result of your answers, I sat down and thought about what I NEED/WANT to do, financially, to really be able to leave this job and start my own translation business; here's the list of what comes to mind, complete with the time frame I've allocated to achieve the goals: (I still need to work on them to see whether they are feasible, though!I also need to figure out the most logical way to set them up - which one to do first, etc., so the exercise is not really over yet!)

Step 1. be debt free! - I have about $8.5K in debt...about $6k is for a personal loan, and the rest is cc debt...Step 1 is to pay that off, so that I have the tremendous amount of money I'm currently using to pay off debt available to build up my financial situation...

timeframe: I want to be debt free before my 40th birthday (next year)...that gives me 12 months! ...I'd need about $800/ month to be able to do this...hmmmm..

what I'm doing about it: my debt level is finally low enough that I can get a loan through the bank that does our payroll without needing a co-debtor...I submitted the paperwork yesterday...I just hope my sketchy financial history in the past 5 years doesn't affect me...

Why did I do this?....well, the new loan would be at 10% annual interest; the current one is 11.5% and the cc is 28.99%! (YES, that's not a typo!)...this would significantly reduce the amount of interest I'd be paying, and would make it easier to actually pay off in 1 year...

Step 2- Taxes! ...more income will mean more taxes...based on estimations, I'd need about $5,000 to pay my taxes next year.

Timeframe, again, would be 1 year (a bit less, actually, since taxes are due April 30!)...I'd need about $555/month to achieve this...

How I'm going to do this: I've already spoken to the bank exec and I'm setting up a savings account next payperiod (July 11) so that I can start saving 1. part of my salary and 2. the corresponding amount whenever I get paid for translations

Step 3- Emergency Fund I currently have about $150 in my EF (that's almost nothing, I know!)...I need to have $5,000...but, for that, I'm giving myself 2 years (24 months)...that would take about $210/mont...

Are you still with me? If I add all this up, I'd need $1,565 AFTER TAX to fund all this...doable? difficult, yes, but not impossible...especially if I put money aggressively into debt repayment, then work on the tax thing and then "catch up" on the EF thing...

Step 4- "tie over" fund ($2,000)...this is not really urgent and could be left for my "last year" here...this would be my "revolving credit" with myself to cover normal expenses in case translation payments are late.

Step 5- house fund - I need at least $10K in here... that should be enough for a downpayment on a small house in a good (read: safe) neighborhood; a 3-bedroom would be nice, so I could leave 1 bedroom as a study...but, really, a 2 bedroom would be more than enough! (I can always set up in my room, in the dinining room or living room!)...this one, as you can see, is already started...it has $30 in it, and $30 will be automatically added on the 28th of each month...I don't plan to make any additional contributions to it until the debt is paid off/money for taxes is complete....If it turns out that not all $5K are needed for taxes, I'll transfer the remaining amount to this account. Once the debt is gone, I'll use part of that money to start increasing contributions to this fund...and once the EF is full, I'd add part of that, too (snowballing, in a way!)

Step 6- Ale's college fund- I still have 9 years, so I'm also counting this as "not urgent" (although, I know those years will pass quickly and I NEED to have at least some money in it...I will start the college fund in August of next year!- after I'm debt free!)

Step 7- health and life insurance- I already have a (very modest) personal life insurance policy, apart from the one given to me by my employer...if I go out on my own, I'll need to increase the amount and I'll need to add disability insurance...Medical insurance: I already know the one I want! It's like a pre-paid plan with one of the best hospitals in the country...If you are hospitalized for an emergency, for whatever reason, insurance covers 100% of it...if you go to emergency care, but are not admitted, you have to pay $11.45...for non-emergency care, insurance pays 80%, as long as you go to their doctors and providers...no problem with that!...they give you a thorough check up at the beginning to determine eligibility, so if they accept you, there are no "pre-existing" conditions!...I would also sign up as an "independent worker" with the social security institute (medical care)...I know I will need $$$ for this, but, again, it's not urgent and I'll look into it about 2 years before my "estimated date of departure - EDD"

Step 8- retirement Currently discounted from my salary are about $400/month...and the employer -by law- pays as much into the fund, too...so I need to think about putting at least $800/month after I leave...

...I've estimated what level of income I need to have to make all this possible...
I'd need to make $13K the first year (July 08 to July 09) to be used exclusively for The Plan...this is definetely feasible!(I know it doesn't add up, that $1,650 X12 i $18,780, not $13,000!...what I mean is $13,000 would come from the translation business)...then I'd need to increase that amount by about $2K every year for the next 3 years...the other advantage of waiting until Dec 2012 is that, if my position is terminated, I'm entitled to full severance payment: 1 monthly salary per year worked! (under Salvadoran law, if I leave, I don't have a right to severance payment...I believe the Embassy does give you something according to your bosses' request...up to 50%, I think- need to look for the latest update to the policy!)

I also need to keep really good track of what I'm doing and where the money is going...and make sure I keep focused on what I really want!

"Why are you still here?"

July 2nd, 2008 at 08:47 am

I was commenting on my $1,000 weekend translation, and a friend from work asked me that question...she then answered herself: "oh, because that's not every month!"...
The more I think about it, the more I like the idea of leaving my "job" and become an entrepreneur and do the translation thing full time...I mean, I could drop Ale off at school and go back home and work until lunch time, then work for another hour or two then go pick her up...I could take her to dance lessons, stay there and work while she has her class (I have a laptop and a spare battery...and I generally connect to the internet when I finish the translation, just to "clean" it- a.k.a look for words or expressions I don't know/I'm uncertain of or unhappy with, and then to send it after I clean it...)
....the problem, as my friend pointed out, is that I don't get $1,000 translations EVERY month...then again, if I were doing this full time, I'd have more time to promote myself/make more contacts to make sure I DO get $1,000 worth of translations every month...
HOWEVER...at the moment, I NEED about $1,500/month....(to cover living and other expenses PLUS debt repayment plan PLUS savings- however little- PLUS taxes, etc)...once my debt is gone, this would go down significantly (as, currently, about 43% of my income goes towards debt...still an improvement over the 47% that I was allocating last year!)...
My job here is "secure" for 4 more years (the life of the program!)...notice the quotation marks, because, really, NO ONE's job is ever secure, is it?...
anyway...my goal is to be debt free, and then save for the dowpayment for a house (notice how my ticker is now showing the amazing amount of $30? It's a start!...once I finish with the debt, I'll be beefing that up!)...I then want to get my own house (easier to do if you are "employed"...but now banks are starting to also grant loans for "independent" people - to use their own words!)...SO, I guess my strategy would be to get the loan with the bank while I'm still employed here (before sept 2012), THEN make the jump!...does that sound like a plan??

I finished the translation!

July 1st, 2008 at 07:40 am

98 pages and about 28,000 words...all I remember is that I'll get $1,014 (or was it $1,016?) after taxes...this money will come in in August, so I already updated my excel spreadsheet...my current monthly average is $956...not bad....but my target is $1,000....still, it's the 1st of the month, so I can still "catch up"! Smile

Translations!!!

June 27th, 2008 at 07:08 pm

Well, July will be a 'dry' month...I got paid for all my translations last week (and the $$$ is all gone already!- some spent, some paid)...and the next payments aren't due until AUGUST! ....((GASP!))...AND, I have to renew my drivers license and the car registration...so in July I won't be able to make payments above the minimum payments...I hate it!...((sigh))...at least, I have the $$ for both the minimum payments and the license and registration!...PATIENCE!!!...
oh, but August will be a great month!...I already have $300 worth of translations that are due in August...and I just got a new 96-page job!...of course, that means I should be translating, not blogging!!!...oops! gotta go!

NOW I may think about changing cell phone companies!

June 17th, 2008 at 09:38 am

shhhh....don't tell anybody just yet... niece was in an ad for Cellphone company #1, which has MUCH better signal coverage than any of the other ones...the reason I stay with my current cell phone company is that their prepaid card balance doesn't expire ....with other companies, you buy a $2 card, once you load it to your cell phone, you have 5 days to use it, or it expire...$5 cards last 7 days; $10 last 12; $20 last 15 days and the $50 card lasts a month...
with my company, I can use a $2 and, as long as I receive at least 1 incoming call in a 60- day period, it NEVER expires...since I've been trying to CUT on cellphone use (I'm currently spending $2- $5 per month!) this makes a lot more sense than switching to company #1...
HOWEVER...the ad niece made is to announce that company#1 is going to go to "non-expiring" cards, too! woo-hoo!
I get the convenience of a pre-paid cell phone (contracts here are for a fixed amount, starting at $15, you get a "free" phone, but the contract is for 18 months...if the phone is damaged within those 18 months, you have to either buy a new one, or sign an extension of the contract (for ANOTHER 18 months!)...and, since I really don't care about having the "latest and greatest" cell phone, I can buy one of the cheap $10- $15 phones and get both the convenience of the no-expiration card AND the best signal coverage!!! It'll even help me LOWER my cellphone budget, because sis and niece (the people I call the most) AND the people at my office are already on THAT network, so calls will be cheaper thatn they are now, with me calling from company #2 to a company #1 line!
woo-hoo!
(I'll just have to wait until they announce it officially!- oh, and I'll have to carry 2 phones while I make sure everyone on my address book has the new number!)

sis got the loan!!!

June 13th, 2008 at 10:24 pm

They called her to tell her they will give her the $23K she needs to consolidate her debts...of course, she's complaining: Oh, I needed 23K three months ago, now it won't cover 100% ...
I know, I know, she's a brat!

Anyway, she is supposed to sign next week and, she has asked me to help her in drafting a plan to get rid of the remaining debt (VERY high interest incurred in these 3 months...probably about $1K in total) and how to try to 1) pay off the new loan as soon as possible and 2) maybe even try to save a bit!

woo-hoo! this is so exciting!

New ticker!

June 6th, 2008 at 06:22 pm

I want $10,000 for downpayment on a house...someday...
I opened a new "future account" when I closed the Disney one...they will be taking $30 out of my salary each month...but I can add as much as I want to/can after that...the will take it directly out of my account (where my payment is deposited) starting next Friday... I'm hoping to see THIS ticker go down as I watch the other one (debt) go DOWN...
wish me luck!

payments today!

June 6th, 2008 at 04:07 pm

I went to pay Ale's school tuition for June ($137, due June 10th) and also a cc so I can FINALLY close it! ($10...but i have to wait until tomorrow to close it)..then went to get my balance in the cc I used to pay for the car - just to cross check...then I went and printed our photos...we already put Ale's autograph/photo book together...it looks awesome!...I also had to buy some juice boxes and milk boxes for Ale's snacks and lunch at school...it has been a "spendy" day of sorts...but I'm hoping to have a NSD tomorrow!...

oh, and i also had to pay Nanny, because although it was sis' turn to pay her (we alternate every 2 weeks), but she didn't, and Nanny asked me if she could borrow $20 from me...I opted for giving her her full $83, as I know sis will give it to me later...I just don't like the thought of Nanny, who has to get by on so little, being paid late!)

I am still translating...these ones will bring about $100 each, so about $400...that will be enough to cover the additional money we spent and to pay $100 more towards debt ...

I also learned that I "lost" a translation job because they tried to drop it off on Wednesday, but they needed it for Thursday night, and, needless to say, with me ARRIVING Thursday night, they opted to take it to someone else!...oh, well, I really needed my rest yesterday!

I wasn't that far off!

May 22nd, 2008 at 08:42 pm

I estimated $70 pre-tax on the new translation job, and it actually came out $67.68.
Done and delivered! (well, sent!)

+++++++++++++++++++++
Next week is going to be crazy at the office!...
5/26 we get off due holiday in the US
5/27 they are moving us from our current offices to newer, larger ones one floor down!
5/28 I'd guess we'll be unpacking!
5/29 am- webinar pm- cash award ceremony (from 3pm to 5pm!)
5/30 - I'M OFF TO DISNEY!!!

Oh, and my boss leaves tomorrow for a long weekend, so I'll be packing HIS stuff, too!

We are going to Disney!!

May 19th, 2008 at 02:27 pm

I made the payments I wanted to towards debt and, with the reduced airfare (had budgeted $700, turned out to be $435) and the gift from ex-hubby (of paying for Ale's park tickets), this trip has become a reality (almost!)

Now, all that is left is praying for space to be available on all flights so that we can proceed as planned with our "space-available" tickets! (wish us luck!, although, ex-hubby says the flights "look good"- meaning they are not full!)

We are leaving on the 30th, so my goal is to have EVERYTHING ready by the 26th (including luggage!)...

12 days until take off!!! - and I'm guessing we won't get to sleep on the 29th!!

I have no self discipline!

May 6th, 2008 at 01:14 pm

I've been trying to NOT buy soda for lunch for ages...I do well a couple of days and then go back (just so you can imagine how ingrained the soda habit is: my Mom bought our sodas directly from the soda truck...and they gave her the wholesaler price!)...

so, today I decided to face the fact that I lack self discipline: I put $0.30 in my pocket (I needed to buy a tortilla for my lunch, didn't know that they cost $0.05!) to make sure there wasn't enough money for the soda (they are $0.50 each!)...

It worked!!...so, all I have to do is NOT bring any money to the cafeteria!!! - wish me luck!

The homework box

March 25th, 2008 at 04:19 pm

I'm thinking of putting together a "homework supplies" box...using stuff I already have, but adding some stuff, I was thinking:

1. pencils (Ale tends to lose them!)
2. eraser
3. sharpener
4. colored pencils
5. box of crayons
6. watercolors
7. white glue
8. 2 or 3 brushes
9. old magazines (for cutting up)
10.glitter glue (we do have some leftover from the school supply sale)
11. colored bond paper, letter size
12. white bond paper, legal size (we have about 10 reasms!)
13. yarn in different colors (leftover from knitting projects)
14. ribbon
15. gift wrapping paper (I do have some small scraps left over, too)
16. construction paper (from school supply sales)


Anything else you think would be good?

Finally!

March 24th, 2008 at 04:14 pm

I managed to get my letters to be able to file my taxes...oh, and while I was there, I ran into someone that, upon hearing what I was doing there, asked: did you also get the letter from the coop?...I hadn't even thought of that! and I made $46.66!- I imagine it was paid towards my loan (fine with me!), but, of course, this would have made my tax information inaccurate!...I'm glad I have all the letters/documents I need now!...
Now I just have to find the time to go to the Ministry and file! (er, no, you can't NOT go!...even if you file via internet you're required to print a copy of the declaration and bring it to the Ministry!- how silly is THAT?)
oh, well....joy of joys!....I'll go play with the numbers a while to see if I can figure our how much I have to pay!

Passports and cake!

February 18th, 2008 at 03:55 pm

We tried to get our new passports today, but were unable to…the guy did not accept our birth certificates…mine does not have all info on my marriage and divorce (should be annotated on the margin), and both had been folded, so they considered them unacceptable…((sigh))…oh, well, at least they checked the other documents and pronounced them OK…
To celebrate my freedom from CC1, I had told Ale we could get a piece of cake after the passports…so, we went to do that instead…I asked for just one piece of cake and 2 sodas…Ale wasn’t too pleased about 1 piece for both, but, let it go because I let her choose the cake… I don’t know the real name of the cake she ordered, but it might as well have been “Sugar O.D”, or, maybe “Death by Chocolate”…I took 4 bites and OD’d …Ale was able to go for 6 bites before going blhaaaaa on chocolate…there were still at least 3 bites left to that piece of cake!!!...and I said to her: Can you imagine if we had bought 2 pieces?...she said: Waste!

I gave Ale $6 and told her to go pay…she said: how much is it? And I said: I don’t know, we didn’t ask before we bought it…(I knew it couldn’t be more than $3 for the cake!...our total ended up $4.85)…she gave me this look…and she said: “You didn’t ASK??” …((the look was: WHAT WERE YOU THINKING!!!!????))….
Ahhh, there’s hope for us yet!

$0.48 till payday!

February 15th, 2008 at 09:25 am

oh, boy!...I just checked my balance on line... I have a whooping $0.48....which should have to last until next Friday...yeah, right!...the good news is, we are supposed to be getting the money for the first school supply packages on Monday (about $1k for me)...((sigh))

meantime, I have $2.6K in uncollected translation money, too...which should have been paid to me before the 10th of Feb....hopefully at least part of that $$$ will come through this weekend!

Back to work!

Drowning in translations!!!

February 13th, 2008 at 09:27 pm

2 new customers...a translation for $700 and another one for $63...on top of my normal workload from the translation agency since they are at that 6-week training program again!...oh, boy!

it's scary in a good way!!

$349 more for the challenge!

February 5th, 2008 at 07:07 pm

I've been busy lately, and, translations over the weekend, yesterday and today will get me $349 come March! woo-hoo!!!- my monthly average is at $986...and rising!!...it will continue to rise until the third week of Feb...from then, I'll have to start counting April (as the payments typically take 30-45 days!)

...and because I didn't take the bite the last time...

February 3rd, 2008 at 06:08 pm

the cc company sent me ANOTHER letter indicating I'm entitled to a pre-approved "extra-financing" and called me again...hmmm, maybe they think after 1 month I might be more tempted??...well, guess what? NO!...after seeing that I paid $100 this month and that their charges were $155 (interests, fees and insurances only!!!)...well, NO!...usually it's not so bad, but, this month they charged me for the annual membership (which I really can do nothing about, unless I were cancelling the cc today...and you cannot cancel the cc unless you pay it in full ...and then only after you have received a statement showing $0 balance...and only at their most remote branch...oh, joy!)...still, I'll get them yet!...this is the cc that will take the longest to close, but, I've made my numbers and think I have a really good chance of closing the account next year)


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