My Daily Life

It looks like my tax refund will come earlier than I expected so I think I’ll go ahead and let the check to American Income Life go through as is.  Hopefully the next payment will go through on the 28th instead of the 26th as I requested and I can stop stressing over it.

 So I’ve been dealing with a life insurance company I’ve been a part of since the 1980s for the last five months. I think it was in August that they called me to review my policies and the policy for Joseph and the policy for Isabella. some of what they said made sense, so I changed my term life to a whole life policy And I added some extra coverage for Joseph and Isabella. Since then they’ve been messing with my monthly payment, submitting it on dates that don’t even make any sense. These dates don’t match my paydays and so of course the payment doesn’t go through so then they send me a letter or sometimes they don’t  And I find out that my policies are lapsing. So I finally sent them a check to cover the amounts that were needed, and what do they do? They submit a payment again prior to my pay dates without my permission for $405 after I had just mailed them  a check for the amount. So now I have to call the bank and stop payment on my check because I’m not paying for the same policy

 I was looking out my kitchen window today and thinking about controlling the weeds in my field.  I looked up the best temperature to spray them and the lowest temperature I can start.  Optimum temperature is between 65 & 85 degrees, but once the temperature is consistently above 40 I can do some early spraying.  That usually happens around mid-to-late April, so I’ll need to be patient.  I can see where I sprayed last Fall.  There is some nice grass growing there, but I want to spray it again to prevent weeds from returning.  The girls doesn’t seem big until I start mowing, but it’s actually huge and takes me more than a day or two to completely mow.  If all goes well I’ll have a riding mower this summer.  It was my Dad’s and apparently he promised it to my sister’s grandson, but he has no way to store it and he doesn’t know how to repair it.  My brother’s son-in-law is going to take care of the repairs and I’ll store it in my garage once I get my garage door fixed.  When her grand

 Finally I’m on the positive side of zero in my bank account, but I’m finding it difficult not to pay some bills early.  I have to keep reminding myself that the goal is to reduce the number of overdraft fees.  If I can actually do that, then when I get paid each month I’ll actually have $2000 left in my bank account after the bills are paid, and I’ll be able to catch my mortgage up so I’m not running a month behind all year.  As it stands right now, I may be getting a refund over $5000. If that really happens and my bank account isn’t in the red, I can comfortably pay for our DC trip, and have money to spare.  Could this actually be happening for me?   I want to pay some money back to the family trust so if for some reason Elaine doesn’t move by the end of next month, there is money to cover the utilities until she moves.  Although I’m praying that she finds something within the next 2 weeks and is able to move out by mid February.  This whole thing hinges on me not being over anxious

 I decided to check the DRS website for my 1099-R today.  Didn’t really think it would be there yet, but to my surprise there it was.  So I opened up TurboTax and entered the information and some of my donations.  It looks pretty good right now.  I’m waiting for a few more forms and should be good to send it to the IRS.

 Bob posted again tonight that we do t have the funds to cover expenses at Dad’s past mid-February.  Elaine says Spokane housing Authority will be assigning her a caseworker, hopefully, by Monday.  I pray that this person will help her find a place by the end of the month.  I’m still worried about what will happen if she is still in our house with no power, water or services.  I understand what Bob is saying, but a roof over one’s head without heat or water is unreasonable.   Please God, I pray that Elaine successfully finds a home and is able to move by the first of next month. As for me, if I can, I’d like to contribute to the power bill to keep the lights on through February. To do that, things have to work out in my budget so I don’t end up short for my own bills. Please God, I pray that Elaine successfully finds a home and is able to move by the first of the month.

 I spent the entire night worrying that my sister is going to end up homeless because she’s had at least 7 months to find a place and she still hasn’t done anything about it.  We are running out of money to pay the bills to keep her in Dad’s house, yet the reality of that hasn’t sunk in yet.  Here’s the enabler in me because if I were in a position to do so, I would buy a 2nd house for her to live in under the condition that she pay 30% of her income toward rent plus the utilities, cable and garbage. Pick-up.  That way she could have her cats while paying me a $300 fee up front and I would wrap that additional charge of $25 per animal into the rent.  I would pay the taxes and insurance as long as she meets her financial obligations with me.  But that’s all a dream because I don’t have the resources to do that while I’m still paying the mortgage I have. I wish I could.  I wish I had planned my finances differently over the past several years, but as my mother used to say, “If wishes wer

 So, after my rant this morning, I got things done I needed to do, and then I decided to go down to my room and rest for a while. That was about 11 o’clock. At 1 o’clock. I woke up feeling better lol nothings really resolved, but the feeling went away. I finished my peanut butter cookies Opened my new mixer. I got for Christmas from my son washed it up and then I made some roll dough in my bread machine so I can make some dinner rolls the last time I made them I didn’t get to stick with them and they did not come out good at all. In fact, they were hard on the outside and tiny , so I’m hoping since I was able to stick with him today that they’ll turn out better. I’m just experimenting because I can. I’m trying to decide what I want to make in my mixer. I used up all my brown sugar when I was at the store this morning, I remembered to buy oatmeal, but I forgot to buy brown sugar  Can’t really make good chocolate chip oatmeal or peanut butter cookies without brown sugar. I’m debating whe

 Sometimes I get these feelings of being overwhelmed and underappreciated. When that happens, I tend to ruminate about things from my relationship with my mother to my relationship with my daughter to my relationship with my granddaughters.  I get in a self critical mode, and I can’t stop it. I just keep spiraling downward and downward and downward to the point that I don’t know when to stop or how to stop, and I just want to stop but I can’t.   I feel like my whole life is centered around other people, and that there’s a little time for my life. Tom passed over 15 years ago, and all I’ve done is take care of other peoples kids. I don’t know if I’d be in a better place financially, if I wasn’t taking care of my great niece and nephew, my sister, my grand children, Ron, Sara, and anyone else who has crossed my path. But I know that I’m always broke. I raised Joseph and Isabella, Shaelen Shylar and I’m raising Alicia without any help from anyone. Yes I got some money from the state but i