Thursday, March 8, 2012

Ok, done hiding.

I know people get sick. I know people get sick a lot more often than I'll ever be in my lifetime. I am really thankful for my health. I have a rather strong immune system that goes unnoticed by all. But once it does get hit, it crumbles. Hard and fast. So I've been getting my rear end handed to me these past two weeks courtesy of a common cold that has behaved a hair short of pneumonia+bronchitis. In my defense, last time I had a cold, I did end with bronchitis. So I've been playing safe. It is finally leaving, though not fully gone.

I've also been hiding from the world with little to no success. After my big failure called Feb 2012, I am STILL waiting for the smoke to clear in order to assess all the damages. I've been trying to hide from this blog not to fess up to my mess. The lack of control and getting sick kind of did me in, so I'm ignoring it until I have to do another recap later in March.

If there was one thing I learned in college was that changing too many variables at once was a bad idea. In math, science, philosophy, heck, even in English. If you were doing something, don't change all of the variables at once. It's just a bad idea.

Well, I had no control over much during the second half of February, so I thought, if it's gonna be bad, let me go ALL out and make it terrible. So I did open a credit card solely for the rewards. I did borrow from my EF, and I got sick. I juggled money from one account to the next, and although I think I did everything correctly, it's almost untraceable and hard to pinpoint.

On the good side, I got my individual cellphone line. It will add $70/mo to my expenses. I would LOVE to upgrade my phone, but I am rather sure I've talked myself out of it... at least until I'm done with this mess. I have not moved my car insurance, and apparently, I am locked in for another 6 months. Yay?

It is driving me nuts not being able to see the clear picture I learned to love and care for, that was my budget. So simple, so clear cut. Everything coming out of a same place, and into another place. It was the perfect black and white photo. This new chaos has me spazzed and I am overly anxious to see it settle down, hopefully by tomorrow.

So budget-wise, for March, I am looking to refilling my EF with that extra paycheck next week, figuring out what the heck happened, and enjoying my vacations. I've only spent about $9 OTC medication since March started. I guess we can consider that a good sign.

23 comments:

  1. Ouch, you have a lot on your plate right now! I hope, you get well soon and figure out your financial situation. Good luck, dear!

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  2. Hope things settle down for you soon!!

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    1. Thanks! I hope so too. This much dust and I'll be buried!

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  3. What do you mean locked in for 6 months? You should be able to change insurance companies. Is the problem that you are co-owner to your dad's car? Maybe I am missing something.

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    1. I am not legally locked into it, more like financially/morally locked until our 1 year is up with the new insurance company. It has more to do with the discounts we're getting. But I could and should probably split anyway, shouldnt I? Sadly (or thankfully?) I am not on my parents' car. I'm nowhere in the lease, so I'm not even getting the benefits of having it paid on time. I've heard that stuff is good for the credit scores...

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  4. Hoo boy you really need a break. Of course you know that having such a bad cold makes everything seem worse (FEB) and the reverse is also true - the stress from (FEB) can affect your immune system making your cold so bad. I can't stand financial chaos either so hope it doesn't take too long for you to get things sorted out - then you'll feel much more positive!

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    1. You're 100% right. I am positive being stressed kills some of your immune system and you're more suceptible to being sick... can't win!

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  5. Sorry to hear you have been so sick! Take a break and get well. Did getting on your own phone plan reduce some of what you've been spending on your family's cell phone bills?

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    1. Yes and no. I was paying $150 in combined car insurance and phone bill. Now I have a $70/mo phone bill, and my insurance (if I go solo) would be about $50/mo, I think. Previously it was just $40/mo for phones and my share of car insurance was $30, but I still overpaid $150 to help out. We'll see how this plays out.

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  6. Feel better soon, once you are back on your feet you will whip that budget in shape in no time!!!

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    1. I need to do that budget thingy ASAP. I'm idling too much!

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  7. Illness always makes me a little wonkie with the finances because when your nose is dripping and your lungs are spewing so does your wallet. Get well. You will recover and it will get better I promise.

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    1. So true... you'd think one of the two would give you a break, but they just team up on you when you're down!

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  8. I hope you're feeling 100% soon. Things will always creep up to sabotage budgets but you've just got to roll with them. Don't be too hard on yourself.

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    1. Reminds me of a funny quote I once read... "I can't remember the last time I wasn't at least kind of tired." I'll do better and get back to 100%.

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  9. Hope you're feeling better soon!! ((Hugs)) You're too hard on yourself I think! You're so young and do soo great with your budget, you really should give yourself more credit and be proud of what you accomplish! MOST people your age have not been saddled with what you have been!! ;)

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  10. Hope you're feeling better now! Overwhelmed and feeling like crap do NOT go well together!

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    1. I totally agree. But as they say, misery DOES love company!

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  11. rest is the best medicine for you. take some sleep and relax your mind.

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