Category Archives: debt

We received an ironic notice from EDD yesterday

For those of you who don’t know, California “upgraded” its EDD payment processing system on September 1. It didn’t work any better than the Obamacare exchange, consequently, all Californian’s on unemployment did not get a benefits check until about September 23. By October 15, 20% still had not seen a benefits check since August 23 (we were in that group.) By October 23, they had ‘caught everyone up’ through benefits to the end of September. BTW, we have exhausted our state unemployment with that Oct 23 payout. Fun times.

Here’s the ironic miracle. Federal unemployment was impacted by the sequestration. If you started Tier 1 between April 23 and September 22, your unemployment drops 17.69%. If you start Tier 1 September 23 or after, you are at normal (what you got from State.)

Due to the start/stop of DH working for that company 3 weeks, and the CA software brouhaha, guess when we are counted as starting Tier 1? September 29th. So we still get the same amount as when we were on state, rather than nearly a $90 a week drop. $360 a month would have been a lot to try and make up. So I am grateful for small miracles.

So here’s my question. My odds and ends are keeping us afloat bill payment wise (particularly since DH’s unemployment which covers most of rent has kicked back in.) My O&E money doesn’t quite jive with when cc bills are due, example, I missed the WalMart due date by 1 day, so it got skipped this month. (I’m going to get the $25 late fee tacked on anyway, so I might as well let that payment go towards not being late somewhere else.)

It got me thinking. After 4 walls and car stuff (payment, insurance), should I just start saving up and paying things off? I have a few CCs whose balances are like in the $200-400 range. Rather than make minimums, am I better off skipping a month and just paying 1 off entirely? I know I would rack up, say, $100 in late fees in a month (6 cc x $20ish), but by the time I got to month 4 or so, that would be negligible, and I would be almost entirely out of debt except for 1 CC and the car loan.

Thoughts?

After making the discovery of

how close we truly are to being debt free we decided to celebrate by taking a one day staycation and go on a fall foliage tour near Lake Tenkiller in our area.

I’m so excited about the next six months (who would think you would get excited about paying bills—lol) that I find myself making more and more little payments between pay days. The end result was an additional $10 savings on interest on our Best Buy account this last month, which was kind of like making an additional small payment. LOL! I’m so weird!

After our trip on Saturday we spent Sunday doing more culling out and packing ds to send him off on a 3-5 week walk down of a gas plant. He’ll be home weekends, but this is the first big trip he’s ever done for a company and he was pretty excited about being given an expense account and a rental car.

However, his DR training did show up in the business meetings prior to him leaving when they started talking about sending a company credit card with the four of them or having them charge to their personal accounts and get reimbursed. He spoke up immediately and said “no thank you” to the company credit card and that he didn’t use or believe in using credit cards and he’d prefer an expense check. They quickly complied with his request, after all the owner is a DR fan as well.

So he’ll have to file and expense report when he gets back, but he prefers it that way. Wow! What a difference 4 years makes.

Ds won’t eat beans (allergies, plus he doesn’t like the texture of them) or onions. So while he’s traveling we are definitely on a beans and rice, rice and beans menu around here with LOTS of onions thrown in. Today’s dinner is Spicy Ranchero Beans (Pioneer Woman, aka: Ree Drummond recipe) and cornbread.

I plan Red Beans and Rice this week, followed later in the week with Hoppin’ John. Beans and rice, rice and beans, food storage rules!