Finally!!! I paid off the bank (this was old credit card and interest debt) Now, I am NOT debt free... part of the money to pay the bank came from loans from the employee cooperative. BUT, the interest rate is half of that of the bank, and, since this is deducted before my salary is deposited into my account, I cannot default on it!
Soooo... this year will be a year of buying a lot of stuff. In the past 5 years, whatever broke was not repaired or replaced. Now there are a lot of things to be repaired or replaced. Starting with the car! (which is now a necessity, since Ale switched universities and the other one is NOT within walking-distance of our home, and, no matter what the government figures say, crime is still thriving -- and I don´t want to revisit our last experience on a bus, where the driver caused Ale to be thrown off the bus when she was getting out... AND, to go to this new university, Ale would need to take 2 buses, and the point for changing buses is the largest shopping mall in the country --and one where there have been lots of muggings and even kidnappings)
What would be our first "free" payment, then, will go towards fixing our car (hopefully, it CAN be fixed...don´t know what we will do if it can´t... we don´t have enough money for a **new** car, and, right now, I wouldn´t be eligible for a loan, not for a year at least)
so, this is where we are.
We made a list of all needs/wants. And then we put all the info on paydays and fixed expenses on a year planner. Once we had that, we prioritized needs/wants, and started slotting them into the paydays where I would have paid the bank. Ale thinks its stressful, but I tell her it should give her peace of mind to know that we know what we can do and what we cannot do (not all wants made it into the calendar)
All income from translations will go into a separate bank account, for a new (to us) car either in June or November (I get 30% of my year bonus in June, and the remaining 70% in November)
The plan is to save $100/month, sell the old car and use the bonus to try to purchase a new car. If possible, we would do this in June, if not, we will do it in November. I know that waiting until November would mean getting a better car, but, even if it can be fixed, I don´t know if the old car would make it to June.
Wish us luck!

just chewing gum.... soooo... the good thing is, no pain, since this had undergone root canal treatment back in 1994 (it´s a miracle that filling lasted THAT long, really!)... my options were extraction or a temporary filling. went with the temporary filling, it was not a convenient day for an extraction (it was 3:30, I had to pick Ale after school, I was driving myself, and, let´s not forget that I take a lot of Aspirin for my migraines, not to mention that I need to precertify this sort of thing for the insurance to cover it...)...so $70 (which is expensive for me, but, I know will sound like super-cheap for some of you!) this covered the X -ray, removing what was left of the old filling, application of a topic antibiotic and the new filling)....AND, I only had $25 on me, so I paid that, and signed for the rest (I have been going to these same dentists since they were students, so they let me do that)... Oh, and Ale says one of her wisdom teeth is coming out, so I need to take her next payday to have it evaluated!

We made a list a couple of weeks ago of all wants vs needs. I must say I am proud that our Wants list is short, and items are not high-value (most expensive item is about $200)... sadly, our Needs list is kind of long, and items, while not luxury ones, are not cheap, either.

Needs (in order of our priority)
1. new glasses for me --I just realized mine are over 4 years old. The anti-glare coating is gone, and they are a bit scratched. I cannot reuse the frames, which are already very worn, too, because they are permanent use (I can´t walk around without glasses, the world looks fuzzy!).. unfortunately, given my sight problems, even if I go to out local non-profit foundation to get them, they´d be at around $200 --I do not qualify for aid, just the lower-than-market prices.

2. clothes washer: $350-$500, if new. Ours died about 9 months ago. We are washing by hand, which is not so bad for shirts and regular pants, but, is a pain (quite literally!) for jeans, towels and bed linens! My supervisor is about to move from a temporary house to an apartment, and, will not take her washer with her (not enough space for washer and dryer at the new place, she needs one of those two-in-one towers) and said she would sell it to me for cheap, we haven´t discussed prices.

3. New beds - $400 to $1,000 ($200-$500 each). ours are 19 years old and 10 years old, respectively (they usually go on sale in October and February, so we went to see prices yesterday, just to be aware of how much is needed. We might be able to negotiate a better price if buying 2, and paying cash.

4. New living room furniture. $300 -$500 When my sister left the house, she took the living room furniture. This is not urgent, but, would be nice to be able to have company over more often!(as is, we entertain in the dining room only, or at our bedrooms -- Ale´s closest friends, for example) With living room furniture we could have her church group over, for example.

My sister is getting married next month. The wedding party is supposed to be dressed in shades of purple (it used to be lilac, but, some of her friends convinced her, since we weren't wearing matching dresses, she might as well be more flexible with the colors to allow for shades of purple from lilac to grape)... SO... we went "hunting" for purple dresses, one for my myself and one for Ale... the first store we went to (which we thought was not as expensive as it turned out to be) had 2 beautiful dresses... and they offered me a discount if I took both... $225 for both... Er.. thanks... We then went to the 2nd-hand stores... at the first we found a beautiful dress in grape purple for Ale for $5. At the second one, we found one in wisteria purple for myself for $20, BUT, they had 50% off all clothes, so it ended up costing $10! We do want to get a rhinestone applique for Ale's, and, mine needs to be cut (at 1.49m - 4 feet 11 inches approx, I'm used to having ALL my clothes altered!), and, of course, they need to go to the dry cleaners (they do look wrinkled!) but, still, after all that, they will still be a lot less expensive than the $225! After the wedding, which is at the end of August, it will be time to start looking for dresses for Ale´s graduation (end of November)... guess where I´m going to look first!!
These are the dresses, although, they look black and gray in the pic... cheap phone, what can I say?

Well, as of tomorrow, gas stations in El Salvador will no longer accept credit or debit cards. They claim that their profit margin is to slim and that credit card companies and bank fees reduce it even further.

I have been purchasing gas with my debit card, so the adjustment won´t be that much, but...

Oh, and regular gas is now $4.49/gallon.... premium is $4.64... Took $47 to fill my gas tank...YIKES! Back in December, when I made my budget for this year, I could fill it with $30, so I budgeted $45, to account for climbing prices, etc... guess I have to start budgeting $50! ... wow, everything is on the rise, except for my salary, of course...but that´s a whole other entry!

I used to buy Ale new clothes every six months, in June and December of each year, but, she already outgrew all her clothes. So, if she continues to grow at this pace, I will have to do it every 4 months! OUCH!

Double-Ouch...we now have to go to the Juniors section!!!....

I took her to a place that was supposed to be an outlet, but, t-shirts were $19!!!... I then took her to another place where we bought 3 shirts and pajamas for $21! the only bad thing was we couldn´t find any bottoms there...we went to at least 3 other places, but, I think she´s all set now!

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!

I was supposed to go to the supermarket on Saturday and, of course, with Ale (and now myself, too) being sick, I didn´t... so, we are almost out of food! I wrote a check and sent niece to the supermarket. She should come back with about $5 change... the good thing is, she´ll get a dose of reality as to how much things cost! (especially since I´m sending her with cash... she does go to the supermarket with sis, sometimes, but, since sis charges everything, she hardly ever looks at prices-- I know!--) so, now niece REALLY has to LOOK at the prices... she took a calculator. LOL! Why LOL? Well, whenever I go to the supermarket, I make Ale keep count... in her head... or in paper... not exact counts, everything gets rounded up, but, Ale can do it in her head and she writes down the resulting number next to the last item bought, just in case she forgets!

Anyway, this should be a valuable lesson for niece! (I sent her with $90 and a very detailed list)

Well...we took care of the eye doctor last Saturday (I spent $22.60 to have the Dr. tell me Ale has 20/20 eyesight...and that, as far as he can tell, she has not "inherited" my tendency to myopia or astigmatism... Yay! those must be her father's genes!- he still has 20/20 eyesight at 35!)
She so desperately wanted glasses (and I sooooo desperately DIDN'T want her to need them! LOL!)....
And I already made an appointment for us both at the dentist's for Friday. This is just a "diagnostic" visit, so the Dr. can see what she needs to do... I'm hoping in Ale's case it'll be just a clean up and then maybe schedule a visit to the dentist's husband, who is an orthodoncist...yep, even I can tell she needs it!)... in my case... I KNOW there will be LOTS of work! I've always had terrible teeth...

I also have to start allocating some money to pending vaccines for Ale...

O U C H ! (in more ways than one!)

One of the new translators tempted me: asked me if I'd like to upgrade my computer, then went on to say a fried of his refurbishes used laptops and offered me a "new" one for $350....

I've been toying with the idea... but, at the same time...it's $350...wouldn't that $$$ be better invested in...say...me? and Ale? (our teeth, specifically... we haven't been to the dentist's for ever...)

so... that's been in my mind the past couple of weeks... and, when I was this [] close to calling the translator and tell him if his friend still has the laptot, I want it...I ran into my dentist at the drugstore around the corner from work!... hmmmm... I'll take that as a sign!...

For the time being, I'll take those $350 and allocate them to the "Teeth" fund (God knows it probably won't be enough!)...My old laptop works just fine...plus, if that guy's friend refurbishes laptops, he probaly WILL have others later on!

I was looking at my blog and it seems I was nesting last January (2008)...now I'm nesting again!
Like momsents, I'm craving spending...
My obsession right now is Ale's room.
To curve the spending, I decided to MAKE the stuff rather than buy...that way, I get to buy the materials (so, about 35 skeins of yarn + burlap + other stuff as opposed to 1 rug... cost is about the same as a brand new one + labor...BUT, it keeps me busy so I don't go out and keep buying, so it's worth it!)...
I think I'll be done with the rug in about 2 weeks (I've been working on it for 3 weeks now, so the rug has effectively kept me out of the shops for 5 weeks... yay!)...
NEXT, I want to order her books on top of the headboard (it's one of those with little spaces for storing things), so I offered to make her some bookends...we settled on elephant bookends... soft ones (saw the idea somplace)... the great news is I have most of the materials I need already (except for the sand to fill them....) I could either use the fabric left over from the ballet bag, or I could use another fabric I bought at the same time (which I really love,and was hoping to use to make something for myself, maybe a bag...) I can always ask my sis for the right color thread (she sells industrial thread, and she has oodles and oodles of samples...)
which would mean I would achieve my "nesting" goal (something NEW nice and very special for Ale's room)without spending any money! (yay!) ... I have even been working on my pattern...
Now, mind you, this is a project to be stared once the rug is finished! I'll post pictures! (this is what it WILL look like, but the pompons aren't sewn in place yet!)


Oh, ref> the fabrics....
As you can see, the rug is very colorful (one might say technicolor! LOL!), so if I use the hot pink fabric, I'll be "picking up" the pink from the rug...If I use the other fabric... it's bright red (also on the rug) with multicolor mandalas... so...either could work... I'll let Ale decide once I have given her the rug

I would also like to go to the dollar store for some cheap picture frames to build a nice display on her wall... but that IS money...
Oh, and I also saw this wonderful idea
for displaying children's art in their room....they put a "clothesline" against a wall (so, a piece of yarn suspended from 2 nails), with wooden clothespins, and the drawings were hung with the clothepins! so clever... and it looked great, too!)...another NEW thing for Ale's room that wouldn't cost me any additional $$$$ (I do have all the materials!)

HELP! ...oh, and, no, I haven't been watching HGTV, we don't have cable! LOL!

264 slides/ 11681 words translated....
311 slides/ 19256 words to go!!!

I think I can, I think I can...

Spoke to the guy with the 29 presentations and told him I could only commit to doing 17 by Jan 5... he said he doesn't need them until the 12th, and that, if I am available, he'd much rather wait and have me translate them all!

WOOO-HOOO-HOOO-HOOO!!!

(had to share! back to work!)

Friends, I'll be MIA for at least a week! Not even reading, probably...I've got 16 hours worth of scripts for Feb...(Thank God for the work, and Thank God that they are sending them early this time!...sometimes I don't get them until the 10th of the previous month!)... AND, I've got tons of work from a government entity in charge of promoting investments here in ES... 29 presentations!!....I think I can, I think I can.... I think I can...

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!

he,he,he...this is what I told Ale when she showed me- again- the dream doll house...little does she know an identical one is sittin in my sister's closet...
I have almost all my presents...including my nephew's!!!...
the one I'm missing is tricky...it's Santa's "family" present... a big box containing 1 present for each one of us... in past years it has been easy, as there were only 4 women/girls in the house...now with nephew things get complicated... I'm thinking perhaps towels... (in the past, the 4 presents were identical, or "related", only different sizes and/or color)
Oh, I also have to shop for Nanny's Xmas dinner and present...but that one is easy!

Remember I said I would get less translations this month?

http://miclason.savingadvice.com/2008/11/05/less-translations-this-month-but-could-b_44822/

Not anymore! the other translator found a full time job and quit, so now her work got reassigned to me!!

Oh, well, I had a week "off"!
LOL!
back to the salt mines!!

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...

My house was starting to look like it could rival the Munster's, so I set aside some money to buy paint and hire painters (we've tried DIY in the past, and we are just TERRIBLE!...not to mention the fumes give us all headaches and then we end up painting only 1 coat!!)...Also, that is X amount of hours of my already overbooked day... did I mention on top of the 8-5 job and the translations (read 8-11pm) job, I am trying to make the ballet bag for Ale? Oh, and a fish blanket... Oh, and I also want to try and see if I can make a chicken pie like the ones Mom made?? (I'm good, whenever I try things like that they are ALMOST...almost, but not quite... as good as hers)...
Back to house painting: that type of work is not really awfully expensive here, so I just made sure to wait until they had the paint special they ALWAYS have at the end of the year (buy 5 gallons, get 1 free) and bought 12 gallons of paint (paid only for 10!)
That is just to paint the outside of the house, fron and back, and the living room... I will wait a couple of months before doing the bedrooms...although, they are having 'Shopping nights' this week and everything will be 35% off... I could get the paint and keep it stored for a month or two... If only I could be assured that mischievious hands will NOT attempt the DIY thing!!

I don't remember WHEN I bought them, but I DO know it was 2008, so they couldn't possibly be more than 11 months old, and one of them broke today... they are not unusable, I can walk in them, but they ripped and even if repaired, would probably look awful, so I can no longer wear them to work...

I will have to hit the outlet tomorrow to find a suitable replacement ("las 3 B: Bueno, Bonito, Barato!" - should be good quality, look nice and be cheap... or, at least, NOT expensive!)
Oh, well...

See, they have been sending me about 10-15 scripts per month, and, if you take into consideration it takes me anywhere between 2 and 4 days to translate each one... well... my month is full... and, remember, this translations actually pay very little (below local market prices), so that meant I wasn't even looking for new (more profitable) work, because I didn't have the time for it... Now they've hired another translator...this month, they'll give her 3 scripts, and I get 8... so, yes, I'll make less money, but I'll actually have more free time to prospect for customers (or just enjoy the Holidays and start looking in January, when I imagine the new translator will get half the scripts)...so, getting less work from them might actually be a good thing!

I admit it, I'm a word junkie... I salivate over new dictionary releases... I find pleasure in those "technical glossaries"...
Ale inherited it... or else it rubbed off on her...
A couple of days ago she came to the house with a dictionary that wasn't hers... she told me that a friend who knows the owner said that the owner doesn't want it anymore... the whole class deliberated and decided Ale could keep it...
I told her otherwise. I made her turn it into the Lost and Found at school...I'm not even sure the kid who (says) knows the owner actually knows the owner!... there is no name printed on the dictionary (this is why, in addition to a nametag taped to the face of books, I generally write our surname around the borders of the pages!)... While it wasn't a particularly fancy dictionary (soft binding), it was better than the "first learner's" that she has, and she was disappointed that I hadn't let her keep it...
I promised I would buy her a new one in November, a better one... (she has to leave the other one at school, anyway, and they only let her bring it home if she has Language homework where they might use it)...
So, yes, my daughter is infected...

Woo-hoo! I got paid for translations today, and tomorrow I get paid at the office...Now, I won't have the translation money until Wednesday, because I already picked up my check, but, unfortunately, arrived back at the office too late to deposit it today. I don't want to go to the (outside) bank and then deposit the cash into my account. Plus, all my payments are due starting on the 10th, so that'll give the check plenty of time to clear (3 working days, since it's from a bank different than mine)...Once the cheque goes through, I'll make the payments online...woo-hoo!

LOL! I just got emailed that the materials to air in November just arrived! (they need to be translated in Oct)

((sigh))
Oh, well, at least they are here on time...the ones airing in Oct didn't arrive until Sept 7, which only gave me 3 weeks to work!

It always is... we have the children's theater festival in October each year...and Ale and I like to go to as many plays as we can (usually, 2 per weekend), so that increases our "fun" spending...it's not that bad, $3/person this year...still, it's about $24...good thing they don't sell/allow food and beverages!)

...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...

Hmmm....cellphone company #1 is offering $0.01/minute calls for up to 5 "frequent" numbers...If I switched, I could put the office cellphones on that plan (4) and add sis....If I did decide to go with a contract ::shudder::, they have them starting at $5/month...then calls to office cellphones would be free (since I would be contracting it through the office's acct exec, and would be in the embas sy's plan)...then I could add sis and niece on the $0.01 thing...I'd still have 3 slots....best friend? would have to find out if she uses that company, but definetely a possibility...

hmmmmm....I guess I have until next Tuesday to decide (sales exec comes every Tuesday)

The Dress...the typical volcaneña dress I bought for Ale last year was "lost"...I arrived early enough to still catch Nanny at home (sis hadn't arrived home yet), and I had her look in all the weird places in which she generally stores things that are not in use...sure enough, there was the dress, which was bought just a bit larger than needed to be last year, so that it could still be used THIS year! HA! ...now, I do need new shoes to go with it! (last year's fit just barely, and hurt Ale when she walks...and, this year, they're DANCING!)...so, off to the handicrafts market I go (next weekend)
I'll take pictures of her in it and post them!

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!!!

Every new transaction I have signed up for, I've asked them to include in my netbanking profile...

the loan, the "house" programmed account, the "taxes" account...you see, this way, I could just pay the loan online and/or make transfers from my checking account into the house and tax account and, even, if the circumstances so merited, transfer money from my "taxes" account into the checking account...

Did they do it? No.

I then asked our acct exec here at work to do that for me. She took all the paperwork with her....nothing.

I called their call center (which they call "solution center")...the guy was very friendly, took all the info, I could hear him typing...then he said the accounts would appear in my profile in 24 hours...that was 2 weeks ago...still nothing...

I will call them again today, but, if that doesn't work, I'll have to GO to the bank on Saturday. (And I HATE going to the bank on Saturdays...they only work half a day, and because most people's schedules don't allow them to take care of banking matters during the week - normal business hours> 8-5, Banking hours> 9-4!!!...it's ALWAYS packed!)