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Random thoughts

September 21st, 2010 at 09:41 am

This is going to be random because I have a lot of financial things running around in my mind lately.

We thought my daughter broke her wrist Sunday evening. It wasn't swollen but she had some soreness and a lump. Yesterday morning the lump was gone but she still had tenderness. My husband took the day off and spent a lot of time waiting for her primary care doctor to provide a referral to an orthopedic doctor. We were eventually told she had to be seen by her primary care doc first before a referral could be given. We have really good insurance but the red tape we have to go through sometimes is so frustrating. Long story short is that she doesn't have a broken bone and we only spent $20 on the copay.

I've pretty much decided that I will cancel our trip to Vegas. Another couple has decided to go as well, (there would have been 3 couples if we went) so I don't feel as guilty backing out now. I'm going to call the hotel and see if we can get the $70ish deposit on the hotel refunded. This is a load off my shoulders although my husband isn't thrilled.

We filed an extension on our income taxes in April. My husband has been working on them and it's looking like we are going to owe on the federal portion, something like $900 I think is what he told me. We cannot get it any lower. We are getting about $360 back on the state but that still means we have to come up with the differene on the federal and I imagine there will be penalities and interest because this was due in April. I've never been in this situation before (owing taxes after 4/15) since we've always filed on time in the past.

I don't know where this money will come from. My huband lowered the number of deductions on his paycheck because of us owing income taxes but that means we will have less to budget with.

I've been tinkering with our budget and I think I've got it to where it needs to be. I was paid yesterday and my husband last Friday and my intention was to transfer the cash that was there prior to being paid to savings for our property tax bill. I'm scared to do that out of fear of not having a cushion in our checking account and me grossly overlooking something in our budget.

I've been working on the budget every night for the past week and I think I've accounted for everything but I'm still nervous to transfer the money.

In our 18 years of being married my husband and I have never needed to have a budget because we always paid our bills and saved. But now that we are faced with tuition expenses for the kids we are finding ourselves in a position of having to watch every dollar we spend and it sucks.

We make good money and I feel as if we should be able to buy ourselves stuff once in a while without having to consult a budget first.

Once we pay the car off next July and the Mastercard (hopefully within the next 12 months) we will be in a better position but until then I hate this.

An update to last weekend's plans:
I cancelled our gym membership.

I've decided to stay with our current internet/cable provider. I negotiated new rates in August and there isn't any company that can do as well without us having to pay out of pocket up front for equipment.

I never got around to calling about homeowner's insurance but I will this week.

2 Responses to “Random thoughts”

  1. NJDebbie Says:

    We paid for private schools for a very long time but we realized that we were stretching ourselves thin paying tuition. How are the public schools in your area? Is public schools an option for your family?

  2. Little L Says:

    Public schools are not good and getting worse. My husband and I were educated in private schools and it's something we wanted to give our kids. It's a sacrifice but I think well worth it. If I could just get the CC & car paid off we would be a little more comfortable.

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