Contemplating Coming out of Hiatus,,,

It's been a long time since I have posted here on this blog.  In that time I have been busy with other projects but recently I have pulled information from this blog to support some of my other work.  This has forced me to reconsider starting again.  I have also noticed that even though I haven't been posting regularly people are still are interested in the topics covered.

I do not know what direction I will go in as for content.  Debt reduction, which when I started this blog was my primary focus, is now a lost cause.   (Poverty limit, what's that?)  But that doesn't mean I do not look for ways to stretch every penny I make. 

So this will be a re-work in progress, will just have to see what direction I am led to go in.  And thank you for your continued interest :)

Time Flys

It's hard to believe how fast time can get away from you. So much has happened over the last 18 months I would not even know where to begin. I am hoping to continue my blog sometime in the near future.

Has It Really Been 7 Months?

Wow!! So much to talk about but I do still exist; will try to update ASAP.

In my absence received some very encouraging comments--thank you.

I will have to review some of my past posts and attempt to pick up where I left off, something I hope to do soon.

And so it goes,,,

Have realized that I am not getting the internet time that I need. The job hunting aspect has slowed a bit as I need to spend time making a pest of myself and call about applications I have filed. I need to spend time doin my paid-to-read programs and surveys. It's not a lot of money but it is at least something. I need to talk to roomamte as soon as my 401k money gets here. I also need to spend less time on facebook at my friends and more on my PTR!

Update: I didn't to too well with this. Actually didnt spend much time online. I really need to get the internet hooked up at apartment, but need an income to do that. Im just not sure wich direction to go,,,thinking sticking with a landline and dial-up for now as it would only be one added item instead of 2 if I went with cable (I would still need a phone). Need to see if JUNO is available in Wichita. I don't need anything fancy just a basic internet connection.

So far there is nothing new on the job situation. Starting monday I will be making daily sojourns to Labor Ready. They are the day labor "temp agency" A friend told me about. Had every intention to do down today (8/29/09) but we didn't get home until 3AM and I was beyond tired. I need to be serious about LR until I'm able to find permenant employment.

Went to one of the local Pizza Huts on Monday (9/1/09) they actually had a now hiring sign up. Am now waiting for a call back. If I dont hear from them by Thursday will be taking a walk back there to inquire as to the progress. Did another resume and geared it towards food service; may take that with me.

Update: I didn't make it to Labor ready this past week as I was waiting on 2 calls for possible job interiews. That was a waste, I did return to the local Pizza Hut to follow up with them, but manager was unavailable. First thing Teusday I will be returning and making a pest of myself. Im a bit mad at myself but with not having my cell phone available I had to be "home" (at my friends) to get any possible call. I wanted to be able to go immediately for an interview. Kicking self for that bad idea.

I have decided to apply for a job postion with a company that I initially was hesitant to apply to. As much as I hate to admit it, Im not hving mush luck on the job hunt. I still believe that something will eventually come up, but like a friend said I can no longer be as picky. I just need to double check a few bits of information and try and find more information concerning the company. Who knows it may turn out to be a good thing if hired. Im going to bug Pizza Hut first though then do the application for this company.

If both of these option fall through then I will be returning to Labor ready. As much as I dread waking at 330AM, it is the best thing I can do for myself at this point in time. I need evey dime I can get my hands on.

Finally got good news concerning my 401k distribution, the money has been withdrawn. So with luck I will have it by the end of the week. I know they say not to take a distribution becasue of the tax ramifications, but it was a small amount, under $400, and I don't have anywhere to roll it over. I will have to live on that money until I secure employment, so it will come in handy.

Update: Received my distribution today 9/5/09, was bumeed becasue they took federal taxes out so check wasn't as much as I had planned. In the long run it is probably a good thing. I was able to repay some of what I feel I owe my friend for all her help since moving here; also paid money to roommate for our electric bill. Regretfully I still need to pay them more, but needed to get groceries, phone card for cell, and money for new glasses (which will be reimbursed--more on that later). I also need to have money to use for bus transportation so friend won't feel like she has to cart me around.

Been working on multiple posts to publish in the coming days and discovered some new topics to discuss: telecommuting, a post about the different types of flour and their uses (will be new info for me), different types of leavening agents and their uses (non-yeast quick bread recipes), and now that I live in Kansas better learn about emergency preparedness for tornadoes.

One post is done, with one almost done. I also thought I may write about the application process for receiving social services if i decide to apply. Not sure as yet what that will entail, especially since I dont have a permenant address.

As I mentioned a few weeks past, I have been in contact with the local LIONs club in an attempt to receive assistance for getting an eye-exam and glasses. I did hear back from them and they approved me for both. I have already had my exam (45 years old and I have cataracts, which explains the change in my eye-sight in recent months) and they have approved me for lenses and frames at a re-imbursement cost of $50. The nice thing about it, they will allow me to utilize the services of Zenni Optical, an online company that has full single lense glasses starting at $8 and lined bi-focals starting at $36. I have to pay first then submit the receipt. They liked the idea so much they asked for more information and want to know what my experience ends up like for future reference.

Once my eye issues are taken care of the next item is dental. It really stinks that all this got pushed so far into the backround prior to my leaving PA. I had halfway decent insurance but all my money was tied up in moving out and re-establishing housing. It's ashame that I hadn't thought of moving to KS even sooner than I did.

Received some paperwork from unemployment concerning my appeal. They now want a hearing which I can do by phone but the only problem is my cell is a prepaid and I only keep minutes on it when I can afford it. In other words I will probably be out by the time the 17th rolls around. I could use my friends phone but she usually does not get up for they day before 1-2PM due to her health issues. Going to have to see if I can spend the night in order to use here phone.

That pretty much sums up my past week. Hope all have a safe and fun Labor Day weekend!!

This n That

A frustrating weekend to say the least; I did not get much accomplished. Job hunting is getting a bit depressing as I have 30 applications and have yet to hear anything; beginning to wonder why. I really thought that I would have a job by now. It's time to play the hire me game; time to make a nuisance of myself and start making multiple calls to the management. Must now decide what companies to call and whether to continue calling if I were to get and interview.

Update: I got my first interview today at 200PM with one of the companies I was hoping for. I had a phone interview yesterday afternoon and they ask me to come in for as job interview. It's in the market research department doing phone surveys. The hours I would be working will be (if hired) 5-11PM M-F, 9AM-5PM S or 1-9PM S for $8/hr. At that pay rate I would definitely clear enough for my monthly expenses and be able to re-start my debt repayment. The only problem is the location, they have moved and have yet to update their information. I would have no trouble getting there by bus but I have no way of getting home.

I'm fairly confident that once I was hired that I would be able to find a ride with a co-worker BUT is it something I want to chance. So my friend and I will have to spend some time discussing options. I really hate the thought of having to rely on my friend to pick me up every night but I may have no choice, at least to begin with. Will have to see.

Have decided to decline the interview as transportation is going to be a problem at this point in time. I'm not happy about it, but I couldn't in good conscience tell them I had reliable transportation when I don't.

The frustrating part about the job hunting situations is that I out of money until my 401k distribution gets here. It should have been here by now but for some reason corporate is dragging their feet. I am thankful for my friends, as they have helpful concerning money issues, but I feel like a major mooch and it's beginning to irk me. I can only live so long off of my friends generosity before they get sick of it. So hopefully soon I will a job and I will be able to repay my friends for all their help.

Update: Received a call Tuesday morning from old job concerning the situation with my 401k. Found that I am the first person with a 401k to leave the company since new policy(s) has/have gone into effect. It turns out that HR, both plant and corporate, weren't sure how to handle a final distribution. It is my hope that by the middle of next week I will have my money. Also found out that the plant I worked at is not going to contest my unemployment appeal. The paperwork did not for the plant from PAUEC did not allow for an end date AND termination date; they just wanted to know when last day of work was and went by that. So maybe now I won't owe PAUEC $262.

I did get my resume and a cover letter out to one company. I am hoping good things may come of it; it's a part time gig during the evening and days on the weekend. With those hours I would still be able to find another PT gig during the days if needed. So I will be crossing my fingers. At $8/hr my monthly take home would be $800+ per month which would cover my planned expenses.

Since I did have to decline the above interview for this company, it has left me back at square one. I did find an interesting option, a "temp" agency that specializes in finding day labor - work today, paid today. I went to their office on Thursday (27th) and registered; have to report this morning at 5:30AM for possible job placement. So with some luck I will have some cash to get groceries and get some consistent placements until something opens elsewhere. If this works out well I could also receive an offer from a company that I am placed with. My friends suggestion may work out to my advantage.

I'm addicted to Facebook, more like 101 Eggs and Farmtown,,,lol! It's nice to have something fun to distract from the above. I haven't decided yet whether to attach my blog to my Facebook page or not, as of now I haven't. I do have some of my favorite frugal sites updated thro Facebook, which is nice. (No I don't do twitter,,,yet!)

Had my first T appointment today (8/25/09). Went OK, but a bit uncomfortable. Am still waiting on results of my paperwork concerning assistance. One thing I need to do is learn more about the system here in KS. From what little I know it is very different from PA.

Am considering returning to school to finish my degree. The school I wanted to use to pursue my degree tho appears to be in some kind of overhaul of their programs. So I must now look for another online alternative. I could utilize the colleges here in Wichita, and it is something I am exploring, but i need a lot of flexibility. There is one program I am exploring for pharmacy technician but I am having difficulty securing simple information without having to make a major committment to speak with someone at the school. All I want is the cost of the program so I can decide whether returning will be at all feasible now, or if its something I will have to save for or utilize a payment plan. Also need to make sure that I am making a good decision to pursue a different career choice and not rash decision made in a manic swing.

Should have an answer on Tuesday concerning my eye exam and glasses. Have my meeting with the local LIONs Club representative in the afternoon. I am confident they will be able to help. Next step is medical and dental issues; I do have two leads concerning both issues and will need to take the time to look into both. Update: Met with the representatives from the LIONS and filled out their required form. They meet on the 31st so won't have a definitive answer till sometime next week. Nothing said led me to believe that they wouldn't be able to help. It would be nice to have new glasses for new job if I get it.

What you may see on my blog over the course of the next few weeks: addition of a donation button, more articles--landlord/tenant issues; debt collection/debts in collection; purchasing a used car; mlm and pryamid schemes; power of attorney/living wills; and my search for my biological mom (for medical reasons only).

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I am still receiving spam emails from companies mentioned in prior post. They must be as desperate as I am!!

Daily News

I was able to pull my Experian credit report today from Quizzle, a quick glance, did not look like any new debts were added. I do need to double check as I noticed after downloading to another file that there was a retrieval problem. I don't know if what was shown was accurate. Will be posting my debts in the next few days to show where I'm at; not a pretty sight!

Was able to send out the last of my "scheduled" resumes and cover letters. I do have 2 new resumes/cover letter to write, hoping to have it sent by 8/23/09. Could be another promising lead, only time will tell. I also have another application to fill out plus need to pick up a new Applebee's application to fill out. Was going to go wander the streets today but forget I had a fasting blood draw (can't eat for 12hrs prior to test) last thing I wanted to do is walk around hungry; they would find me passed out in the road.

So instead of wandering, spent some time trying to organize my job search/hunting information. I have been so focused on getting applications out, that I lost track of the "who, what, where, and when" of the whole process; 15 applications filed, 2 resumes/cover letters sent. I know I have more applications filed, just need to account for them.

Hmmmm!! I will make a spreadsheet (just popped into my head) that should help with the organization. Why I didn't think of it sooner,,,

I'm a bit concerned about my blood test (postponed till Monday). Not so much the test itself but the results I may get. The liver assay and thyroid test don't concern me too much but the fasting blood sugar does; I was diagnosed 5 years ago with diabetes. It was disconcerting to find out that news but I never really agreed with the determination. In the same time frame of that test I was also undergoing treatment for back problems--3 herniated discs, arthritis, and a lower spinal stenosis--my pain level was exceedingly high which can affect blood sugar readings. That fact was not taken into account in regards to my diabetes diagnosis. Also the psychotropic meds I was on in the past has/had also been a factor.

To make a long story short I stopped my medication (it was black boxed) but did continue watching what I ate and started exercising more. I don't know if that has done any good as I have been unable to afford the testing supplies since original diagnosis. So the results of today's test scare me; don't know what to expect.

Finished a post concerning multi-level-marketing (MLM), it seem apropos considering my recent job searching. Also, was able to schedule a time to meet with the local LIONS club representative concerning getting an exam and glasses. Hopefully they will be able to assist. Now I need to see if I can find low-cost dental care.

My debts as of 8/20/09

Here are my debts as they stand today 8/20/09:

Zombie debts, not in any rush some are no longer listed on credit reports, others will be de-listed in next 8-10 months. I know it sounds horrible to say I don't but the damage control for these debts is minimal at best. They will be the last debt that I will pay off.

CCSP $245
FCS $2040.93 Citibank Mastercard
AFNI, Inc $188.60 Bell Atlantic
AFNI, Inc $507.28 Bell Atlantic
Arrow Financial Services $955.85 Premier Bankcard Inc
Midland Credit Management, Inc $844.89 Tribute Mastercard
Asset Recovery Associates $2213.72 Citibank Mastercard
Arrow Financial Services $1131.02 Premier Bankcard Inc
Barristers Collection Services, Inc $446.10 Strafford
American Agencies of California $3313.13 Windstream
Total of Zombie Debts: $9845.59

Old debts, not current but within the statutes of Pensylvannia. They are listed on credit report and will remain for at least 3-4 more years. I am hoping to be able to negotiate payment for removal. Not a major priority as damage has been done.

Credit Bureau of Erie, Inc $72.00 Dr. S
Med Shield Incorporated $56.81 CCM Hospital
Rickart Collection Systems, Inc $37.00 Chambersburg Imaging Associates
Security Credit Systems, Inc $123.57 Zito Media
Eagle Emergency Physicians $225.00
North Shore Agency, Inc $11.88 Prevention Magazine
Penn Credit Corporation $67.32 Literary Guild
Publisher Clearing House $29.45
Total Old Debts: $623.03

Current debt ARE A PRIORITY!! As far as I know they are not on my credit report except for my student loans. I would like to keep it that way.

Diversified Collection Sevices-Student Loans $65912.71
KRHC, Inc $30.22
Water Company $109.13
Borough $15.01
Mid-Cam $37.32
Dr H $30
CNB $329.72
2006 Taxes $29.70
2007 Taxes $29.70
2008 Taxes $29.70
2009 Taxes $29.70
Total Current Debt: $66582.91 With Student Loan
Total Current Debt: $670.20 Without Student Loan

2006IRS $219.36
2008IRS $293.15
Total Taxes: $512.51

Total All Debts: $77, 564.04
Total w/o student loans (including zombie debts): 11651.33
Total w/o student loans (w/o zombie debts): 1805.74

So now you see my mess!!

Gettin' my Stuff

Slow but sure I am receiving my belongins from PA. I now have all my financials on hand and I have been able to organize my debts, yet again,,,LOL! Since I am no longer in PA, any bills left I am now concidering debt; tomorrow I will pull my experian report and see if any of these have been added to my report. It is my hope that nothing new has been added, I would prefer to be able pick-up where I left off; if not will deal with it as best as posible.

I have two good leads for part-time positions; resume and cover letter are ready to go for one, not necessary for the other. The pay isn't that great, but will take what I can get at this point; never know what can come from any position. I did e-mail another letter early Sunday morning, still waiting on a response. Need to contact some of the places I have applications at, remind the management that I am still interested. Two places, I may send a copy of my resume and a letter of interest, both applications were filled at the kiosks and I have not received any interview requests. I dislike the idea of no face-to-face when turning in a application; I can't get a feel for person I may be talking to at a later time. (I also can't stand the online applications, some of them are extremely long. Last thing I want to do is spend an hour filling out an application).

I am still debating whether to join monster.com and/or hotjobs.com; I currently am using CareerBuilders (have been a member for 2-3 years) and wichitahelpwanted.com (just joined this past week). My thinking is the more exposure, the better.

I have heard back the local LIONS club and working to set up an appointment to meet. If I'm accepted they will pay for an eye exam and $50 towards glasses at Lenscrafter. Depending on the frame choices and whether they can do my Rx for that price, I may use Zenni instead. I definitely will for a second pair as they have a frame style I like for under $30. Wal*Mart is definitely out $80 for eye exam, frames would be about $175 if not more.

Hospital paperwork is done!! With the arrival of my package from PA I have access to my tax information, which is what I was waiting for. (I also need to send similar information to the mental health facility I am using for my care of my Bipolar.) Hopefully with the hospital help I will be able to get some assistance until I am able to secure a job.

Have been able to take some time to send some personal letters out also. It's a bit strange sending "snail-mail" letters but it's been a fun. Until I have access to the internet at my living space, it will have to do.

The hunt goes on,,,

As some of you may have noticed, my posting of late has been dealing with my attempt to secure a job. I haven't had much to say concerning my debt reduction plan or living frugally. With no income, frugal living is a necessity. What little money I do have (savings and money earned through the paid to programs and surveys) is being used carefully. My household bills are minimal at the moment due to the generosity of friends; my only real expense is food. I will have to see what transpires this months as for utility costs, I expect they will increase based on the number of days I have been living in new apartment.

My debt reduction plans are on hold until I secure a job; it's impossible to pay down debt when one has no income. Once my employment situation improves I will re-visit my debts and begin making payments. In the mean time I will be taking a hard look at my method of payment, budgeting, and prioritizing my debts; I have some debts (ie. IRS) that I can no longer allow to hang around. I must decide how I want to re-pay my debts--pay a little each month to all debts or make one big payment to one debt till paid in full. I'm not sure how either method will affect my credit reports; it may be a moot point.

One task to do in the next few days, pull my Experian report from Quizzle. Need to see if new debt has been added since March. If my assumption is correct, and new debts have been added, I will start with the highest priority debts first and then work my way down to lowest priority debts.

My job search is still in progress; will have answers today concerning 2 possible positions. I am working on three cover letters and hope to have them sent out by 8/16/09. I do have a few applications to send out yet, but I'm waiting to hear the outcome of my calls before proceeding. There are still many more options to explore; compared to my situation in PA it's a good situation to be in. (Altho I would rather be working.)

Another task I need to complete soon, comparison shop for an eye exam and eyeglasses. I suspect that I will be using Zenni for my glasses, so that leaves the eye exam. Went to Wal*Mart and was shocked to find that it's $80 for an exam (without insurance). I do have a letter out to the local LIONS club but haven't heard from them yet.

I still have to finish my paper work for the hospital that treated my leg. Received nine stitches thanks to some idiot that threw a glass bottle out of their car window as I was walking by. The hospital assists self-pay customers in applying for public medical benefits. My one dilemma is some of my information needed is still in PA, it should be here in a few days. Thankfully my friend in PA has been willing to help with the cost associated with shipping my stuff; I'd be in deep doo if not for her assistance.

Another day another,,,uhm!

Well I survived my initial psyche evaluation for medications. As much as I hate the idea taking meds it is the right decision. Since my relapse in March I just haven't felt the same. Altho I am much improved, my mood changes have not stabilized as I would have liked. They are manageable but still problematic. Throw in the fact that my friend of 20 years says I need to get back on meds, I know I'm having difficultlies; I trust her intrinsically and value her opinion.

As for my therapy appointment, it was cancelled and re-scheduled. I'm still dreading this appointment but it will give me more time to gather my thoughts.

Was able to get through to my former employer and speaking with the HR person concerning my 401K. They did receive my mailing and it will be sent to the corporate offices and then on to Putnam. I'm guessing I will receive my check within the next two weeks. I am just hoping that I have a job by then as that will be it for my savings. I also got an update concerning the refund I request from Greyhound, should be here in 6-8 weeks; altho it is a voucher, not cash. I will be able to use it for a trip or two to Kansas City, MO to visit friends there.

Did some job searching and found a few oddballs to post about; also found another possiblility. Need to get some letters and resumes sent out. Friday have to make a call to one local opportunity to see what their hiring status is. I'm keeping my fingers crossed as I do need the income to start coming in again; even part-time would be helpful at this point. Thankfully the process of jobhunting/searching has kept me "occupied", I haven't felt like a bum sitting on my ass doing nothing.

I do still much to take care over the course of the next few days/weeks. Learning a new city and the system can be a royal butt pain. It has definitely kept me busy so I won't complain too much.

Yesterday,,,

Yesterday wasn't too bad of a day as far as accomplishments go. Spent time in the AM working on some writing for my blog; a two-fold attack plan. First, I had information concerning some job possibilities that had to be examined. By blogging about them it gave me the time to look at the information I had gathered, and determine if the jobs offered where realistic or not. I have posted some of the information already with more to come as I had to do a bit more digging concerning one company.

(See note below concerning Procard International.)

I also decided to leave my resume as a stand alone blog with no links back to my primary blog. I am wondering if I should completely severe the connection between the two blogs but think I have. I do not have my profile information listed in the sidebar of my resume. Something I will have to look at a bit more as I'm not sure exactly what purpose I want my resume to serve as I do have it available on CareerBuilders.

After the weather cleared some I put in more applications. Two companies (restaurants) look promising which gives me four possibilities over the next 10-14 days. School here in Wichita starts soon, both levels, so I'm thinking that is why the delay. It will give me time to craft some type of cover letter to entice the management, if necessary. I do have a few applications I'm planning on turning in but may wait to see what comes about with the papers submitted up to this point.

Still have paperwork that needs completed ASAP. Financial information for hospital to reduce/eliminate cost of ER visit for stitches. They also have a form for financial counseling and assistance for applying for public medical benefits. Something I definitely need help with as I can not afford COBRA from former employer, even if I was working. Being that I am in a new state I will take whatever help I can get in dealing with the system.

I finally was able to secure my first medication evaluation appointment. I have been trying to get that appointment since early July. They called with a cancellation for today or I believe I would still be attempting to get in if not for their call. I will say this, I hate these type of appointments (mental health issues), dealing with new psyche doctor can be taxing to say the least. I also have my first therapy appointment later in the day, so I am getting a double whammy. Not sure which one is going to be worse!!

Altho my list is a bit smaller than before I still have much to do--contact LIONS about possible help with securing new glasses; work on my power of attorney and living will; cover letters; transit bus information; utilize other job search sites (if needed); update financial accounts; and of course blog.

So much to do so little time!!

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In regards to the Procard International post from the other day. Out of curiosity I went to the BBB website to see what if any types of complaints issues they may have. Altho this information won't help in determining whether the job opportunity is legitimate, it will show that the "product" being offered is.

They are a BBB accredited business (since 2002) and yes they have complaints, what company hasn't. The issues mentioned were resolved accordingly and Procard is rated A+.

Something to keep in mind when considering whether to apply or not.

Now Living in Wichita, KS

I'm not quite sure at this point when my last posting was, sometine prior to June 20th is my guess. Sounds bad I know but the relocation to Wichita hasn't quite gone as smoothly as I would have liked. Packing, shipping, bus trip, housing situation, job search, and all the fun associated with moving provided enough glitches to last a life time.

Packing up was a b****, didn't quite sell as much as I wanted but did find homes for everything I wasn't able to bring. The rest is waiting to be shipped (again is some cases). I was hoping to be able to sell enough of my former possessions to pay for the shipping. To dis-possess (is that a word?) what was left I used the local FreeCycle; I was suprised how fast everything disappeared when it was free. I did shipped two packages but due to an address snafu they ended up floating around the USPS for a few weeks before being returned to the originating post office. Thankfully they weren't lost and both offices I had to deal with handle the situation well.

As for my bus trip I was dreading it after the fiasco of my last one (which I still need to post about, altho it is not quite resolved). The trip was un-eventful but long. To help with that I decided to take a longer lay-over in Kansas City, MO. Gave me a nice break prior to the last 5 hrs of bus time and I was able to meet and spend time with an online friend and her partner. In hind-site it was a good idea, meeting my friend was awesome and I'm looking foreward to traveling back to KC and visit in the near future.

The real problems I have been having concerns my housing situation. Needless to say it is not going according to plan, BUT a "solution" has been had. What is complicating matters is my lack of employment at the moment (which I am finding a bit perplexing) and now having to appeal my unemployment determination. It seems I was ill-informed and have to file 2 appeals. I also am attempting to acquire my 401k balance, which is taking longer than I anticipated.

Overall I am happy with my decision to move. I am much calmer, altho that I attribute that to my dear friend. Her assistance in dealing with the snafus has been inmeasureable. My mental health has also improved. The ending of my relationship still bothers me (more than I think I am willing to admit), but I "think" in the long run it may be a good thing. My initial goals/reasons for moving have been accomplished. Now its just a matter of searching and getting a job.

Yes, I did say job and not career. One thing I am attempting to decide is the "what now question." So for the moment I am looking for a job until I decide on a course of action. I do have my resume(s) out there, tho not happy about the "out there" part; I am also re-working my resume(s). I do have numerous applications submitted to various employers but no responses as of yet; I am trying to determine the best way to handle the lack of response. The jobs applied for at this piont are the usual fast-food joints, convenient stores, Wal*Mart, and Dillons. Two applications (Wal*Mart and Dillons) where submitted within the last 7 days BUT using their computerized kiosks. Herein is my dilemma, how long should I wait until calling or personally contacting management about my interest in employment?

With some of the establishments applied to I was informed that that weren't hiring but others nothing was said. Again, how long to wait? Personal or phone contact? On the positive side of things there are many more choices, something I did not have back in PA. So I won't be giving up any time soon. I do need to spend some time learning about what "services" are available to assist in my endeavours; another item to add to my to-do list.

Debt reduction what's that? I'm so off-track, not a good thing. Enough said about that at the moment. No, I'm not sticking head in the sand again!! As things progress I will be trying to write a bit more often to help get myself back in the groove.

Slowly getting my life back--very slowly!!

So much has happened in the past few weeks it's hard to know where to begin. I have no real news on the debt reduction front. I haven't added to my debts which is good, but I haven't reduced them either. I do need to update my NetworthIQ to better reflect where I'm at, other than that, I do not have much to add.

I am hoping that once things settle down for me I will be able to return to reducing my debt, but currently I am in more of a survival mode. So much is in the state of flux right now my head is literally spinning. My time away did help my mental health and hopefully I will continue to regain control over my bipolar without having to go back on full blown medication. Only time will tell.

I will be adding 2 "financial" sagas I have encountered recently. The first deals with my recent trip and the refund I am requesting. The second concerns my battle with my employer concerning FMLA. Altho neither deals with debt reduction or trying to be frugal, I feel they are important to note as they deal with fighting for money that is rightly mine. Too many people allow themselves to be "walked upon" and do not fight the system(s). If there is one thing I have learned from reading other blogs it is fight for what is rightfully yours and dont be afraid to ask.

I still exist

Greeting from the depths of never-neverland!! I am slowly "recovering" form my heartache of the past 2 months. What was to be a mini-break whilst settling into my new apartment has turned into a much longer hiatus than expected. Regretfully my mental health issues have wreaked havoc on my life much more than I anticipated and I have been attempting to reclaim my life. With the help of some truly marvelous friends (both online and off) I am slowly getting back to my old self, tho there will be many more changes to come. One of which is another move, tho this one will be half way cross country if all goes as planned.

As for my debt reduction and bid for personal frugality--very slow going. I have been trying to be extremely careful with my spending and I believe I have done well in that regard. My current necessities are paid in full and on time. My debt reduction, on the other hand, has suffered greatly. With the income reduction due to leaving my PT job, and some added medical expenses, I haven't had much to throw at my debts. Add to that the disconnect/reconnect/transfer of service fees, address change et al,,,well think y'all see where Im going--MOVING SUCKS!! Especially an unplanned move.

Overall tho I cant complain. At least I haven't "added" to my debt load, which is a good thing. I have much to think about in the coming months both personally and career wise. So for a bit longer my blogging will be sporadic at best. This weekend I am spending some time trying to catch up on some reading of other blogs and it may spark some ideas.

My one disappointment tho, has been in regards to some things I really wanted to try this spring and summer,,,foraging for edible plants, trying to garden, etc.. But there is always next year. That is why I am so glad that I have these ideas written in my blog, I have something to look back at and remind me.

I hope life is treating y'all with kindess!!

Trying to get back to Normal

Never try to fix a computer problem when your emotionally distressed and bored to boot. What a mess I made of my "bookkeeping". Have spent the past 2 days trying to re-create my files, regretfully I think I made big boo-boo.

Anyways,,,

I think I have re-built my debt reduction information. It's a bit leaner as I have removed some TBD that are over 10 yrs old. I also changed some categories a bit as my priorities have changed dramatically, I am planning a move so I need to sock away at least $3000 min which includes the purchase of a vehicle. The sooner the better!!

Here is a breakdwon of what I owe:

• ZOMBIE DEBTS (TBD)=$9845.59--lowest of priority to be paid off, but will be working to have them removed from credit reports if applicable.
• OLD DEBTS=$623.03--mid priority, as some are on credit reports some aren't, most are medical related, and some are as Dave Ramsey puts it "stupid tax".
• CURRENT DEBTS=$1009.86--incudles debt incured due to breakup. These are bills I have been making an attempt to pay during the last 12 months. They are "close" to current, but at least not with a collection agency.
• STUDENT LOAN=$65912.71--hope no one fainted (dont ever fall into the deferrment trap, better yet avoid student loans all together.) On a good note with my SL,,,,should be out of default in a few months.

It's a start at re-building on my own.

Settling In

Well I'm moved into my new apartment (efficiency), everything but my books are organized; not that I had much.

Finances are still a problem but there is a wee bit of hope,,,student loan is working with me, I lucked out as the rep handling my accouont went thro the same thing a few years back so she was very helpful,,,my other debts are on hold at least until the end of next month.

I am hoping to get some gumption to get back into things but I have do deal with my mental health first. Altho Im not a blubbering idiot like last week, my mood swings are still bothersome.

Here's hoping all is well!!

Not in a Good Place Right Now

My partner of 10 1/2 years ended our relationship last week. So I had to pack my stuff and move. Financially Im pretty much ruined, will take months to recover and get back on track. Emotionally ,,,well we wont go there,,,I am having hard time keeping my interest in anything at this moment. My bipolar disorder is wreaking havoc creating a tailspin that I am having trouble control. I may not post for a while but I am planning on being back.

Currently my main focus is getting over the finances of moving. Since all the bills for the house were in my name I not only got the final bills but also reconnect fees etc etc. Had to come up with rent and security. I will say I have been putting to use what I have learned over the past year.

Once I have a new budget (which will be much leaner) I will post an update. I do kno that I am currently $30 short for bills next week BUT my one employer, that I terminated my position with, still owes me my last paycheck. And he wonders why I left (altho I may go back 2 days a week). I do have another option but I am trying to avoid not paying bills in full.

Anywhoo!! thats were I be.

Still Dealing

I have once again spoken to the HR person at my employer about the lack of progress. She informed me that she will continue to investigate.

I did ask about a pursuing this in the courts but I discovered that I would be suing my employer as we are "self-insured" and what I thought was the insurance company is in actuality just the administrator of the company account. So, I will not be going that route.

I did mention also about the $25 payment and my inability of scrounging up that amount. I told that it would be paid in some way so not to worry.

And people wonder why I have been with this company for almost 10 years.

Anyways we will see what happens. I am confident it will be resolved in a positive manner for myself. Will let y'all know soon, I hope, as I am getting sick of this :/

Portfolio Changes in the Works--Update

I just finished with my 401k, alt ho not completely as I have some digging to do. As I mentioned I'm not happy with some of the Fund choices we have so I have to research my option a bit more.

Prior to this AM I had a mixed bag of Funds. I now am investing in only the Stable Value Fund; it is an ultra-conservative move but I prefer not to lose any money. As the markets change (improve) I will make necessary changes.

I'm now on plan D, as my 401k does not allow for a 1% contribution. At 2% I will be contributing $31.20 which will be matched by my employer (up to 3% if I remember correctly). I will have to change my plans for my Sharebuilders account accordingly.

End of Month Progress

At the beginning of the month 1/1/09 I had the following balances in various monetary accounts:
[balance(s) as of 1/31/09 in purple]

• Sharebuilders--$177.17--> $197.84 (+ $20.67)
• PayPal--$.20--> $2.95 (+ $2.75)
• Savings Account--$87.12--> $3 (-84.12)
• 401k--$248.04--> $248.74 (+$ .70)

Not including my savings account balance a + $24.12

Income so far for the month:

• Paycheck--$98
• Paycheck--$171 (earmarked for meat order received in December & January not included in this months budget)
• UEC--$175
• Paycheck--$350
• TOTAL--$794
• Paycheck--$195
• Paycheck--$636
• TOTAL--$831

Money Spent & Bills Paid:

• Sharebuilders Commission--$12
• Rent (current)--$100
• Meat Order--$133
• Phone & DSL--$103 (will receive $50 rebate--$46 normal bill)
• Satellite TV--$73
• Dial-up Internet--$22 (temporary till I upgrade my puter)
• Heat--$136
• Loan--$95--Paid in Full
• TOTAL--$674
• Unplanned Dr. Appt (for shoulder)--$20 + $5 toward old balance
• Unplanned Rx's (for shoulder)--$2.65
• TOTAL--$702

For the remainder of the month I have the following:

• Paychecks totaling $858 (Actual $831) + $120 (from above) = $978 ($951)
• Water Bill--$120 payment arrangement made
• Sharebuilders--$17 pd
• Student Loan Payment-$405 pd
• Personal Loan--$50 pd
• Old Checking Account--$330
• Garbage Bill--$15 pd
• Sewer Bill--$32 pd
• Sharebuilders Commission--$12 to be pd 2/2/09 money set aside
• TOTAL BILLS--$981

Overall not too bad. It is an improvement but I'm not happy. Two bills were not paid and will carry over into next month. It's my own fault, I allowed my hours to be reduced at my second job which affected my income a bit. Also I took a "voluntary" lay-off (last week of December) from my primary job which now I am second guessing; tho it did allow me to visit my family in Buffalo. There is room for improvement!!

February soon to come.