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My Journey from Sugar Burner to Fat Burner - jenn26point2's Primal Journal

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  • Ugh, DH and I really need to learn how to curb our spending. We're spending more than we're bringing in. This is a consistent behavior. It's frustrating to pay the bills each week and see that we're bone dry til the next paycheck, at which point we'll pay the bills and be bone dry again. It's a never ending cycle and I'm tired of it.

    Our emergency fund is empty. Well, there's $100 bucks left. There's not even enough money each week to put anything away for retirement. *sigh* And we get paid very well. Our annual income is 6 figures. Our problem is simply overspending.

    Looks like we have to go back to the cash system to get things back under control. Our debit cards just allow for too much spending.

    This is a MAJOR stressor of mine. Next month looks better, but only if we stop spending, spending, spending. It's not like we're buying big things all the time either. It's the little spending that gets us. $10 here, $5 there, $15 over there. It all adds up. Right now, our checking balance is -$246... luckily I get paid tomorrow so that negative will be covered before the credit union discovers it, but it's putting a big wrench in our budget for the week. I had to move two payments to the following week, which hurts the next week as well.

    The worst part is that I don't even have all of our regular expenditures in our budget - like dog food, cat litter, etc. Granted, that's not a big expense, but when you don't have two dimes to rub together, an $11 bag of dog food is pricey.

    One thing I'm thankful for is that despite what others say, our Primal lifestyle has reduced our grocery bill. Fresh produce is way cheaper than processed frankenfood.

    GAH! I hate this!! It's so hard! It gives me such a helpless, hopeless feeling to see our checking balance and know that if any outstanding checks come through right now, we're screwed. *sigh*

    DAMMIT!
    Primal since March 5, 2012
    SW: 221 | CW: 204 | LPW: 166 | UGW: 140 (80 lbs loss)



    Comment


    • wowsers.......... 6 figures and you're broke? Have you ever taken a money management seminar or anything? Seems no matter what we make we always spend to our limits....... I'm pretty tight with money but its still always a challenge.
      1. Love ME no matter what noises are screaming at me, or who is trying to tear me down.
      2. Eat to heal
      3. Move to live
      4. Embrace today
      5. Live with intention
      6. Respect my body
      7. Cultivate joy
      8. Find my passion
      9. Meditate on peace in my soul

      Comment


      • I have read Dave Ramsey and his Financial University stuff and that's the plan I try to hold tight to, but we get lax and then things get out of control again.

        Our mortgage payment just went up, our insurance went up b/c of the new trailer/truck, and we have a trailer payment now that we didn't before. Because DH sold his graphics business, we now have a monthly payment to make ourselves to pay off a loan the business took and couldn't pay off, and DH's truck payment doubled b/c he traded for a truck with a diesel engine. Oh, and the fridge/toolbox... can't forget the fridge/toolbox. The payment on that (if we want to take advantage of the 0% interest for 6 months) is $410 a month. If we don't do that, we'll have an extra $200 next week, but I'd like to stay ahead of that and pay it off before paying 25% interest on all that. 25% interest on the fridge and toolbox is something like $600. If I could save the $600 on that, it'd be great, ya know?

        It's all do-able, just overwhelming when we spend money like it'll disintegrate tomorrow if we don't...
        Primal since March 5, 2012
        SW: 221 | CW: 204 | LPW: 166 | UGW: 140 (80 lbs loss)



        Comment


        • Dave Ramsey is the best by far! I did that many years ago with the ex. Have you thought about consolidating all those loans by taking out a second mortgage? then vow not to make any more big purchases until the entire loan is paid off? Thats where major discipline comes into play, but its possible. You might be able to save a bundle on interest alone.
          1. Love ME no matter what noises are screaming at me, or who is trying to tear me down.
          2. Eat to heal
          3. Move to live
          4. Embrace today
          5. Live with intention
          6. Respect my body
          7. Cultivate joy
          8. Find my passion
          9. Meditate on peace in my soul

          Comment


          • I will admit that is a "blessing" about unemployment. I get enough to pay my bills, buy groceries and gas, and hope nothing else pops up. There's no wiggle room, so I don't have the chance anymore for the little charges that add up. I think I'm going to work under a similar theory when I get employed again- every paycheck, all but bills +$200 (what I'm working on now) goes into the savings account until that's back where it should be. Then snowball that into the car, then snowball that into my student loans, then snowball that into the house. Yes, I'll take a little out every once in a while for fun or birthdays or whatever, but the theory should work. Can't miss it if you never see it.
            Life is not a journey to the grave with the intention of arriving safely in a pretty and well preserved body, but rather to skid in broadside, thoroughly used up, totally worn out, steak in one hand, chocolate in the other, yelling "Holy F***, What a Ride!"
            My Latest Journal

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            • Brad and I have always lived paycheck to paycheck. Our parents never required us to save 10% of our paycheck like all the banks and whatnot recommend (I'm sure 10% is way low by today's standards, but I remember the 10% from when I was in high school). We got our checks, we spent them. Simple as that. It's biting us in the ass now as we're trying to unlearn that behavior.

              That being said, I got a nice surprise this morning when I opened the bills. Our electric bill is nearly $50 less than usual, so that's helpful.

              We'll only be in this bind for 5 more months. Once the refrigerator and toolbox are paid off, we'll have wiggle room again. 5 months of tightness to save $600 in interest seems smart to me. Dave Ramsey would approve of this approach - not the approach of buying a refrigerator and a toolbox on credit, but paying it off in the allotted time to save on the interest.

              We have a plan in place to become debt free, but lack the discipline to stick to it. Earlier this year, I had created a plan that would have us completely debt free except for our mortgage by January 2014. But, we haven't been successful at making that stick. We have however, paid off a car, 2 credit cards and a couple of personal loans since the year started. Sadly, that money has been soaked up in more recent purchases (truck for DH, trailer for DH, toolbox for DH, refrigerator for us).

              We'll get there... and it's going to be rough at first, but we'll get there. I don't think we'll ever be completely debt free, but it sure would be nice to not have to perform financial magic every week.
              Primal since March 5, 2012
              SW: 221 | CW: 204 | LPW: 166 | UGW: 140 (80 lbs loss)



              Comment


              • Sinuses suck!! When I push on my sinus cavities, my teeth hurt... despite 3 doses of antibiotic and a dose of sudafed. I'm SO fed up with this shit.

                On the positive side, as long as I don't cough, my rib seems to be improving... slowly, but improving still. Slept with vicodin again last night. In bed by 9, lights out by 9:30. Felt awful! Brain zaps, sinus congestion, coughing like crazy (finally used DD's inhaler). Got up at 20 after 6, so almost 9 hours of broken sleep. Daughter woke up twice. 1:30 and 3:30. Finally got her to go back to sleep and she stayed that way (turned her fan up on medium. I think the room was too quiet for her).

                DH told me yesterday that he wants to go back to eating bread so he can make sandwiches for lunch. Whatever. It's his body and his choice, I told him. I don't see what's wrong with the leftovers he usually has. Typically, he has leftovers for lunch every day except for Friday. Thursday nights he's in charge of dinner b/c I'm at class. Of course, that usually means take out pizza. Why there are no leftovers when he orders a large for himself is beyond me.

                Day 13 of the Whole30 went well. I find I'm eating less and getting full faster - or maybe it's that my leptin has started to reset and my brain recognizes it now.

                B: (10 am)
                3 sausage links
                1 hard boiled egg
                vitamins

                L: (1 or 2 pm)
                Pkg Hormel Natural Choice black pepper turkey breast
                apple

                D: (7:30 pm)
                2 brats from a local butcher (should have read the ingredients. Lots of stuff I don't recognize. Why can't someone just stuff meat and seasoning into a casing and call it good? Why all the extra crap??)
                1/4 sweet potato pan fried in CO

                Movement: walked 1.7 miles with Work Friend.

                Took the lexapro this morning. I could tell the brain zaps were going to get frequent when I had some right away this morning. Sadly, I was only 2 days off. I guess at some point I'm going to have to put my big girl panties on and deal with the withdrawal symptoms if I ever plan to stop taking this med. 2 days seems to be about as long as I can go without withdrawal symptoms. Maybe I can pose the question to Dr. Ashley (my osteopath) about how to wean off quickly. I feel fine mentally. No anxiety or depression that I recognize... it's just the withdrawal symptoms. They make me so cranky b/c they're so annoying!

                Anyhow, starting to feel hungry so I think I'll heat up my breakfast. And I have a paper due today as well as 4 discussion questions, so I may not be around much until later. I hope everyone has a nice day.
                Primal since March 5, 2012
                SW: 221 | CW: 204 | LPW: 166 | UGW: 140 (80 lbs loss)



                Comment


                • I worry also that when I have the money, I won't be able to stick to my strict budget plans. I've been trying to keep a budget in place since last November, but I keep saying, "Well, this ice cream is only $4.49..." and there goes another few bucks every month that COULD be saved up. I need to save, then get oil for the winter, then worry about my loans (which I'm making my regular payments on, thank goodness, never in danger of that, but I want to pay them off in UNDER the 8 years I have left). I keep feeling like things keep popping up that limit me from saving (the tattoo, which was totally my choice, scooter insurance this month, medical things), but truthfully, I am letting things slide. It's hard to buckle down when the person you are trying to buckle down with is struggling in the same way.
                  Depression Lies

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                  • This is how I feel:

                    untitled.jpg

                    Of course, it's not the reality b/c we're not bankrupt, not even close... but the pockets are empty after paying the bills...

                    But, on the plus side, because of the reduced electric bill, I was able to give DS $70 for swimming lessons and a 20 swim punch card at the pool. Aside from swimming lessons, Wee Man only goes swimming 2x per week, so that punch card should last him most, if not all, of the summer.
                    Primal since March 5, 2012
                    SW: 221 | CW: 204 | LPW: 166 | UGW: 140 (80 lbs loss)



                    Comment


                    • spied through your photos on fb you have a adorable kids!
                      1. Love ME no matter what noises are screaming at me, or who is trying to tear me down.
                      2. Eat to heal
                      3. Move to live
                      4. Embrace today
                      5. Live with intention
                      6. Respect my body
                      7. Cultivate joy
                      8. Find my passion
                      9. Meditate on peace in my soul

                      Comment


                      • Aw, thank you! I love my rugrats.

                        So, paper and discussion questions are done. I don't think the paper is that "good" but whatever, it's done.
                        Primal since March 5, 2012
                        SW: 221 | CW: 204 | LPW: 166 | UGW: 140 (80 lbs loss)



                        Comment


                        • Did you see? Did you see? Check out my ticker and signature!! I hit 200 again today. This time I think it's for real b/c I'm well hydrated. I stepped on and off the scale 5 times. 4 of those times, it said 200. I'll TAKE IT! lol
                          Primal since March 5, 2012
                          SW: 221 | CW: 204 | LPW: 166 | UGW: 140 (80 lbs loss)



                          Comment


                          • 5' 9" 47 YO F
                            PB start June 2, 2012
                            Pre PB SW = 180 (no scale at home, Mom's scale January - 153lbs!)
                            Current deadlift 245 lbs, squat 165 lbs, bench press 135 lbs


                            PB Journal

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                            • haha I love the Homer Simpson pic! He's such a riot!

                              I moisturized with coconut oil this morning and now I want to throw my arm in a pan, fry it up and eat it... I smell so yummy!

                              Didn't sleep worth a damn last night b/c my son was in our bed and for a little guy, he takes up a damn lot of room. Should have had DH take him back to his room, but it was easier to just push him over and go back to sleep. Also had a late night coughing outbreak that hurt in my rib. Things are finally starting to feel better in that area. I can roll around in bed now without crying out in pain. I still wince a bit, but at least it's not horrible pain. Just soreness now. Cough seems a tiny bit better. Took last antibiotic dose today. I hope that was enough and the stuff will continue to do its thing. If not, I guess I'll have the dr call in another prescription for it.

                              So, yesterday, DH and I decided we would park his car for a while b/c it is in desperate need of new tires and the brakes are all but shot. He was going to start driving his truck and I'd bump the fuel budget for his truck up by the amount we budgeted for his car. Then on the way home from work it sounded like my car was making a noise. I noticed more "tire noise" coming from the back and the last time this happened, it turned out I had a bad wheel bearing in the front. $700 later (after also changing the tires) the car was running good again. So anyhow, I noticed the same noise coming from the back and asked DH if my car would have rear wheel bearings. He said yes. And I explained to him what it was doing. He is now driving my car to investigate and I am driving his truck. Luckily, the wheel bearings are only $85 a piece and I think he's probably capable of doing the work himself. He's pretty mechanically inclined given the work he does on his race car. If he can't do it, his dad will be more than willing to help. So, when it rains it pours. lol Luckily again, DH has about $500 in stock that he's bought at work, so we'll cash that out and use that to repair the vehicles. Then we'll be good to go and able to drive our less guzzly vehicles again.

                              We realize the error of our ways... We shouldn't have gotten the new fridge/toolbox when we did. But it's done, it's over with and we're on our way to fixing it. We'll be ok, just tight for a while.

                              Day 14 of the Whole30 went well.

                              B:
                              3 sausage links
                              1 boiled egg
                              vitamins

                              L:
                              2 brats
                              1/2 cup sauerkraut
                              1/4 sweet potato in CO

                              D:
                              2 slices watermelon
                              bunch of pineapple
                              almonds

                              Day 15 will go well too. I'm so glad it's Friday. I just hope I start to feel better (sinus headache just won't go away) so I can enjoy my weekend and actually get some stuff done.

                              Ok, DH just texted me and said he doesn't hear anything wrong with my car. So that's good news. Maybe it was just the road. *shrug*
                              Primal since March 5, 2012
                              SW: 221 | CW: 204 | LPW: 166 | UGW: 140 (80 lbs loss)



                              Comment


                              • why does it always seem to be that way? "when it rains, it POURS" Life seems to slap hard at times doesn't it?

                                So what kind of a car does your husband race? I don't know a lot about cars - but it sounds interesting.
                                1. Love ME no matter what noises are screaming at me, or who is trying to tear me down.
                                2. Eat to heal
                                3. Move to live
                                4. Embrace today
                                5. Live with intention
                                6. Respect my body
                                7. Cultivate joy
                                8. Find my passion
                                9. Meditate on peace in my soul

                                Comment

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