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Archive for May, 2016

Vegan Meal Pic

May 25th, 2016 at 05:32 am

So, I started being a vegan on April 8, 2016. Figured I would share some of my meals every once in a while for those interested.

This meal was prepared after a long 12 hours at work yesterday. I was tempted to just eat a bowl of cereal but then thought about all the random veggies in the fridge. Started chopping things up and voila. Stir fry mushrooms, broccoli, and onions over a bed of white rice. It was so delicious.

More prom pictures as requested :)

May 21st, 2016 at 06:00 pm

P.S. We purchased this $600 dress for just $99!

Diminished value claim?

May 20th, 2016 at 07:10 am

In a previous post, I had mentioned that we had been rear-ended while we were on Spring Break vacation. We finally got our car back from the shop after all this time. When we picked up the car, our body shop guy suggested that we file a diminished value claim with the other party's insurance company. We had never heard of this before but apparently, since the damage of the car was so severe, we should be able to recoup some of the value lost due to the accident. The car is just a year old and pre-accident value would be guestimating at around $26k. The cost of the repairs was almost $13k which is nearly half the value. Since the accident was such a high dollar amount, we'll have to disclose it if we want to sell it in the future... which means that we couldn't get $26k for it right now like we should've been able to prior to the accident. A diminished value claim would provide us money for the difference in values.

I've emailed the other insurance adjuster about this 2 days ago and have gotten zilch response... Has anyone else gone through this kind of claim before?

Sharing our win!

May 19th, 2016 at 11:52 am

So, a month ago, I posted a "teaser" in announcing that our oldest DD entered into a national contest and was the winner! Here is what she won:

Prom package--

1) $1,000 gift card to Macy's
2) Professional hair and makeup for her and her girlfriends
3) Professional photography session with free pictures, etc
4) Catering for a pre-prom party for all her friends
5) Limo ride all night for all her friends

Her prom was a blast and everything went so well that day.

Feeling grateful

May 6th, 2016 at 10:15 am

So, I just gave away a dining table with 4 chairs to a coworker... and I feel good about it.

Life isn't just about making money at every turn. Sometimes you have to give back to the universe. My coworker is a secretary making about $25k a year. She supports herself and her elderly mother. They just rented a trailer and are moving in this weekend. I asked if she might need anything and to my surprise, she needs everything. Apparently, the small apartment they were living in had no furniture to speak of at all. Besides the beds, that was about all they had.

How could I not have realized this about a coworker? I knew she has tons of medical issues (we've had to call 911 before when she had a seizure at work)... but you know what, she's never complained. She's always positive and friendly and is always here for others.

But back to the table... my mother had found this table set at Goodwill and paid $35 for it. She bought it to resale on Craigslist. We had listed it for $50 but no bites... so I just said to my coworker that it was now hers. I will pay my mom the $50 for it. My coworker offered to pay for it but honestly, how can I take money from someone that has so little to begin with? I am always searching for ways to earn more snowflakes-- I sell on ebay and other online platforms all the freakin' time Smile but sometimes giving is just better than receiving.

So, yes, I am feeling grateful for all that we have. DH and I have great paying jobs, we have nice things, we have good health.

I'm not posting this to brag or anything but to remind ourselves that sometimes it is good to just give out of kindness to others without expecting anything back in return.

My financial journey... Part 1.

May 4th, 2016 at 11:37 am

I am in the mood to just "talk" a bit so go ahead and ignore this blog post if you just would rather... it won't hurt my feelings, lol Smile

My family came to the US when I was four years old with nothing but the clothing on our backs and a bag of immigration paperwork and that was it. My parents worked hard, really hard to get us established in this country. My mom worked nonstop in manufacturing plants. As each plant would close and move their operations overseas, she would find another factory job and start over. My dad worked in a restaurant as a cook. However, my childhood was not a bad one at all. No drugs or alcohol involved. No domestic violence. Just a simple childhood with my 3 siblings.

We definitely fit the bill of the typical low-income needy family. We were on food stamps and got free school lunches, etc. We are talking hand me downs, accepting gifts from others, and making do with the bare minimum. Whether it was clothing, household needs, or whatever, our family either made stuff or got things from church members or donations.

We were a 6 member family living strictly on a very small blue collar income and my parents did not make any excuses. They did not keep up with the Jones's. They did not succumb to the kids' desires to keep up with the coolest clothes or gadgets. We just had no money. They accepted "charity" up to the point when we didn't need to any longer.

Reality IS hard and to cloud it up with falseness is never a good thing. My parents understood this. We couldn't afford luxury cars or brand name clothing. My mom hand sewn and made all my t-shirts until I was in middle school for goodness sakes. But you know what? I had clothes on my back. I was fed. We had a home (rented). We had our own car (purchased a really old one). We had all the basics covered and MY PARENTS DID NOT USE DEBT AT ALL.

So, fast forward to college... My parents took out a very small $1500 federal loan that I had to pay off upon graduation to teach me how to deal with my first taste of financial responsibility. They paid for my entire tuition while I had to pay for my living expenses. So, yes, I waitressed my tail off while in school... and I did pay off that student loan right after graduation, had no debt, and had about $5,000 in savings. Not too bad for a kid right out of college. I got my degree in Business and Financial Management and thought I had all the best money sense in the world.... but I was wrong.

To be continued

The total cost from rabies vaccine...

May 2nd, 2016 at 09:22 am

So, the total from the feral cat bite that DH was the unfortunate recipient of back in March has been tallied up....

Before insurance, the total cost is $10,892!!

After insurance, our cost is $1,133 but we were able to file on our supplemental disability insurance as well and got back $220 on that policy so NET effect is $913 OOP.

$913 is nothing to sneeze at but dang, how is it that getting simple vaccination shots should cost over $10,000 to begin with?!