AmbitiousSaver's Personal Finance Blog

So I took the dog to the vet today while DH got the kids from school. I figured I would be more stingy and well versed with the finances in order to argue with the vets.

DH got a sample from the dog so that saved us some money. The original quote from the vet - $140

Turns out he does have a bit of a UTI.. so they sent us home with antibiotics

Total of my bill $85

BUT I was charged $90

After they ran my card I questioned what was on the bill and they charged me for the urine sample. $5 but I brought in the sample so they credited my account and I know next month he'll need flea & heartworm prevention so that can offset those costs when we bring him back in 10 days.

So I saved $50 just by bringing in the urine sample. But after this year, I'm going to start taking him to a normal vet and not the PetsMart vet. I don't trust the vet there, whenever we go there they are always trying to say we need something else for him.

Not for myself, but for work.

I hate Excel - and I hate having multiple spreadsheets one to send to accounting, one for our weekly reporting. I hate being sent emails telling me to change one spreadsheet to reflect such and such invoice. Cause if I'm really swamped, there may be a chance that in the midst of updating one spread just before a conference call, I'll be in a rush and forget to update the other spreadsheet. Cause theoretically I only need to update one spread monthly and the other one every Monday.

There has to be a better and more automated way. Until then, the best I know how to do is create a "Check figure" in Excel to compare. I don't know how to link the two spreads together though without creating a whole new set of problems.

I'm sort of nervous about going back to school. I'm not really in my field, but my bosses know that and are in full support of trying to help me get closer to my goal. I told them one day I want to be a Controller and I have a performance review next Thursday to go over goals.

I actually asked the boss to set it up since it had been six months since our last "goal assessment" and with some things in our reporting process changing, I want to make sure my goals and the company's goals remain in alignment. Not sure if I'll get a raise.

I'm kind of cavalier about that. I feel like if I make more money I won't really learn anything from it. We just adjust our lifestyle UP... and we are already on the cusp of the tax bracket, so I don't see a raise benefitting me as much as learning to live on less will.

On the same token, I won't turn down a raise either. My last one was in March of last year, and last summer my performance kind of went to the wayside because Dh and I were having serious problems. I was going to school, just found out I was pregnant with my 4th, and my husband told me that if I kept the baby he would leave me. Wasn't exactly focused on work at the time while I was combatting all that and morning sickness. I could have gotten an A in my class that I was taking too had I done a 20 pg paper, but again - emotionally having all that hit me at once SUCKED... so I was content with my B... and lived with it.

Two months later I found out my Dad had nasopharyngeal cancer. So I didn't go back to school in the Fall.

2007 is certainly a year I will not look back on fondly. I was so excited when it turned 2008. And named my daughter "Calm of the skies" in Hawaiian.... I figured after the year I had, I could use some calm.

So yeah, here I am in 2008. I think I got back into the groove at work awhile ago so if I get a raise that will be awesome... but I won't be totally bummed if I don't. I know things work out for the best anyway. And if I don't get one, perhaps it is just to teach me how to become better at living on less so when I do get the raise, I don't waste it like I have previous ones.

Stressful day.

Yesterday I spent $57 filling up my van and DH spent $51.02 filling up his commuter car.

So we used up our gas budget for the month. Actually we were $23.04 overbudget for the month... total for the month that we've spent is $223.04

Today I had to take my youngest to get her 4 month shots. She's stuck at 12 lbs so they want me to try rice cereal with her & supplementing with a bottle... then the preschool called. My son threw up, probably related to his allergies. So I had to go get him.

We took him to his appointment that afternoon to get a second opinion on what is going on with his blood and allergies. He has a double ear infection, the 4th in 6 months. The doctor said if this continues it might be time to consider tubes in his ears. My DH is dead set against it, not sure why - but he's an enlisted healthcare provider so I'm sure he has his reasons.

We go to the lab for my son to have a CBC drawn. Get my oldest daughter before she comes home, dog peed in his crate - been dealing with this for 3 weeks now. He was neutered on the 28th, so I'm convinced this is no longer related to the surgery.

Call the vet... dog has an appt tomorrow. They wanted me to drop him off but I know what happens when I do that... they do a bunch of "extra" work I wouldn't authorize but then have to pay for cause they did it anyway. Last quote I got from the vet was $140 for a urinalysis, "sediment check" and U/S... its a freaking urinary tract infection or separation anxiety. Take a sample of pee, tell me if there is bacteria in it and give me antibiotics. He doesn't need an U/S or something that requires his sample to be "spun for sediment". *sigh*

We go out to eat. Thought about not... but decided instead of stopping cold turkey, we'd cut back in small ways. Like no appetizers, no desserts, and one of my kids would share a meal with me.

So we spent $31 at Chilis for 5 of us to eat. And left a $6 tip. Not the most frugal thing, but one of the less expensive dinners we're used to. I remember we used to eat out and easily drop $70 each time.

Pick up my son's Rx... thankfully its free.

Then go to Target to buy the "wide nipples" for the bottles so maybe my 4 month old will take a bottle (she won't bottlefeed). And spent $10.17 and so far no luck in her using the bottles

So... spent $48.17 out of our discretionary budget. Going to look at the budget now to see how it fits in and what is left. Backwards thinking, I know... I'm working on this though.

Need to see tomorrow what work the vet will do. DH will take the dog and he knows not to authorize any unnecessary stuff the vet tries to say he needs.

We did get DH's TDY deposit though... so $500 is going into our savings.

Oh well, tomorrow is another day. Gotta keep at this though.... this weekend my goal is to have a no-spend weekend.

There is a festival up the road for the weekend BUT we drove by today and saw them set up. I'm not going to pay $5 for parking on a grass field though just so we have to walk miles with 4 kids in the hot weather, so we'll probably just stay home. Blockbuster sent us American Gangster and Zathura in the mail so we'll probably watch those this weekend.

I'm really starting to think my Dh is starting to get on board with what I've been saying to him about saving more.

I went up to him yesterday and told him I messed around with his pay.

To which I got the naturally suspicious look.

"Don't worry, I just increased your TSP contribution to 10%"

And to which, I get this response "Part of me thinks I should just have a Roth and not even bother with the TSP."

Keep in mind, this is the same guy - that back in 2005 when I initially learned about a Roth IRA - he said he didn't understand why he needed one when he has a pension and the TSP. He still kept saying this as of last year as well, but I suppose the years of spending our Saturday nights watching Suze Orman has worn off on him (even though he SAYS she is really boring, he'll watch the show with me just because he knows I like her and I only have a handful of shows I do like).

So we went ahead and opened up a Roth IRA for him (after a discussion about why he should still take advantage of the TSP).

I don't think he realizes how lucky he is. I don't have a government job or a pension to fall back on, my employer doesn't offer ANY type of retirement savings plan... all I have is my Roth IRA.

But its starting to sound like he's getting on board with this whole saving more/spending less plan. Makes life a lot easier.

In my life, being mixed (I'm part Hawaiian/Chinese and the other half is white)... I always found myself doing something odd. When I lived on the mainland, I'd dye my hair - try to fit in and make it blond.

When I lived in Hawaii, I embraced my dark hair.

In 2006, I was spending $200 every 2 months or so heavily highlighting my hair.

My husband didn't understand this about me, he met me in Hawaii and loved me as I was. And he also didn't like spending $200 every other month to keep up this habit.

So I stopped, and let my hair grow. I'm excited that now ALL the highlights have now been cut out of my hair. And what's best, I find myself finally accepting what is me even though I'm surrounded by blond hair blue eyed people. Not to mention, my hair is sooo much healthier too. I think thats what I enjoy the most, my hair has not been this shiny or smooth since I was a child. I love it.

I wish I had come to just accept who I am a lot sooner. Certainly wasn't worth all this stupid money I spent on highlighting my hair to be something I am not & never will be.

Its best to just be who you are... and its a lot cheaper too. Thats the thing I am realizing with money too. When you live beyond your means, you end up wasting more money to be something you're not because if you can't afford it, you're trying to be something you just are not.

It took me 2 hours to get my hair highlighted... but 2 years to get my natural color COMPLETELY back. I didn't dye it while I let it grow out either, so for awhile my hair was two-tone. But I just kept going back and getting the ends cut off and eventually the blonde was cut away.

But again, another analogy I can relate to debt.

So even though it only took me a year or two to get in so much debt, I know it will take much longer to pay off - but in the end, it will be sooo worth it.

Although I am pretty pleased that just simply "going back to my roots" saved me an automatic $1200/yr.

And I must say... I don't know why I ever started highlighting it in the first place. DH likes me better with my dark hair. And even if people like me better blond... its not worth what I was spending for the upkeep. I'm sure nature has it right all along anyhow.

BEFORE


After

I sat down and realized today that maxing out one's IRA contribution is extremely important, even if you are trying to pay off debt.

Reason being, I could pay off our credit card this year. But I also realized, that because I can only contribute $5K a year to my IRAs, I miss out on a valuable opportunity to save this year.

So I need to acknowledge the strides I've taken this year to pay down our debt. At the beginning of the year we owed $14K on our credit card and have now paid it down to $9500 within the first six months.

I also hope that in starting to save, when our debt is paid off - we'll be used to saving so continuing to do so will just be natural.

I'm thinking of also increasing DH's TSP contribution to 10% of his pay (its currently at 5%). So that would increase our monthly savings amount to $1150/month from the $645/mo between EF and Retirement accounts.

I got a NL today from Military.com talking about 2009's raise. Another good thing. DH made board for Chief so hopefully he gets selected in August. He's got a lot of good things on his side.

Really though, I just am mostly thankful for the healthcare aspect. When my son was born, he had to go by ambulance to CHKD and stayed there for 2 weeks. I never had to pay 1 penny for that $20K stay. As a senior in college with two other little ones and DH as the only one working earning less than $30K a year... I was VERY grateful.

My son has another appointment coming up. Him and my youngest seem to have DH's genes and have allergies or something going on.

Needless to say I'm very thankful that we don't ever have to worry about health insurance, premiums, or copays. Rxs are even free if we go to the military pharmacy, haven't tried a civilian one but I think if we did we only had to pay $3 or $9

The raises on DH's part come at a very helpful time because I don't foresee myself getting any substantial raises anytime soon. I have a performance review soon & I'm definitely not a bad employee but I'm also not counting on it either.

Commissary privileges have also been very helpful. I definitely notice the difference in the price of milk. I started a spreadsheet with the items we buy and their price, the only price increases I've seen were a 6-7% increase on milk and vegetables. Not more than that.

Well, and of course the TDY stuff I mentioned yesterday.

DH and I did make some progress today though. We decided to sell the rental next year cause it is just too much of a headache and as someone else said, a financial disaster.

I have a plan in place that if we do that and even just get $250K for our rental, we'll be 100% out of debt by January 2012. So in a little less than 4 years. No CC debt, no car debt, no student loan debt - just the mortgage on this house.

Which if we have to move in 2010 or 2011 I'm not sure what we will do with this house. Even if we left here there is a good chance we'd have to come back and we can always come back and live here. Again, I love this house, the neighborhood, everything about this place.

Our rental, I despise... its an okay neighborhood so it is holding its value... but I don't believe in it as much as I do our house.

My DH told me today that after he is reimbursed for his travel expenses to South Carolina this past week, we'll get $579!!! I was only counting on $200.

I asked him what he wanted to do with it - savings or CC debt... and I think I pleasantly surprised him cause he said "Don't we have to pay the Navy back for the class I failed?"

"No, don't worry about that, if you REALLY looked at the budget I showed you this month you'd have seen I already have that covered."

After this he has a trip to San Antonio in June and a trip in August to South America. Hopefully if he stays frugal on the trips like he's been doing, we'll make more money off of them. Right now I'm estimating $500 for San Antonio and $1000 for South America.

We're not sure what to do with the $579 though. I figured we could put it savings for our trip in September, but our savings account only earns .76% interest and our CC is at 3.65%

BUT we want to make sure we have the $1500 saved in cash for the trip so when we go - we stay away from CC. On the flip side, Dh has said "I'm afraid if we know its there, it'd be too easy to spend it."

We have another bank account I told him we could put it in... completely separate from our usual bank. So when I log on, we won't see the money and hence takes out the temptation.

As you can see, we're working on the self-control department.

I really am likening this whole experience to losing weight. Its like how fad diets or crash diets don't work. Which is probably why although DH got $18K back in 2005, we were debt free for a little while but within a year started racking it back up. In order to STAY out of debt we probably have to do it the right way... slow steps... so it changes our behavior and becomes a lifestyle change.

I have a hard time with my weight still. We can't carry sweets or soda in the house cause that will be all I eat. Since I'm still trying to lose the baby weight (9 lbs left to go)... I've really buckled down on that. WE just don't carry sweets or snacks in the house cause I know my self-control in that department sucks. But I'm not obese... far from it really. I'm on the taller side of average and am now comfortably fitting into my 6s... and can start squeezing into my pre-pregnancy size 4s.

So anyhow... I'm excited about the $579... not bad for a 5 day trip! Just now not sure what to do with it... and we want to do the right thing. But wow, if he keeps taking business trips maybe we will be out of CC debt this year after all!!!!

Well, I have to admit, I've gotten some awesome advice from this forum. For that I'm extremely grateful because it helps me in knowing where I should go/next steps.

DH and I had a good discussion. It really helped.

I know most people who may read this may think my marriage is on the brink of collapse. There is only one person on the forum who knows its not.

I guess its time I REALLY introduce myself. My name is Summer... and this is who I am... my story.

We've gone through some tough times. I say that with all sincerity, we've done two deployments and have weathered a good many storms.... we just don't and did not have any good role models in our life. Thats the best way to say it without going into how troubled both of our lives were.

In short though, DH is the 9th of 10 kids and grew up on welfare. His dad was an alcoholic while his mom just sat on her @$$

I was more spoiled, but still soap-opera-ish. I ended up in a foster home at age 12 because my mom refused to believe her boyfriend could be a pedofile. So my Dad went $30K into debt to travel from Hawaii to rescue me and secure an attorney. The courts never did believe me though, they believed I was abused but couldn't prove anything on my now-step dad. Yes, she ended up marrying him and told herself that I just "had a dream".

But things weren't great with my Dad either, he worked 2-3 jobs to support us and if I wanted to see him I had to go to his office after school and hang out there till 10 or 11 when he came home OR get tired and catch the bus home. I ended up severely depressed and with an eating disorder... and no one noticed.

So at 15, I decided between suicide, or going to live with my Mom who still had her same boyfriend. I chose the latter cause at least I'd be alive. Then at 17, when she tried to force me to join the Navy I paid for my plane ticket to go back to Hawaii and spend my senior year there... a month later I met my DH.

I feel like although I was a young mom... and DH and I have had a tumultuous marriage... we've done the best with what we were given.

DH and I are still going strong 9 years into our marriage... its only REALLY been tested twice... 2003 and last year. Last year because I found out I was pregnant and refused to get an abortion, DH didn't want the baby cause he was afraid we couldn't afford it (he was raised in a big family where there was never enough)... I was afraid I couldn't live with myself if I had an abortion. We're fine now... baby is here and he loves her just like the rest.

For our debts... of the amount left, it was bought with closing costs for our new house when our neighborhood was getting tagged by gangs and I didn't want the kids exposed to that... a water softener for my son's skin.

Our cars... his commuter car we are willing to budge on... but not on the minivan. We chose the Odyssey because of its safety ratings... I didn't want the bells and whistles, but I wanted a car I could trust as my four babies would be going in it. We were looking at used cars, but everything we looked at needed transmission work or would soon need to. And unless we plan on renting a car everytime the car gets fixed, well, I don't know.

I don't know... but we're trying to do the best we can with what we've been dealt in life. Its that common goal that actually binds DH and I together.

Sure we have our immature or childish moments, but they never last long. Dh knows he would never deny me seeing my family and if getting a motorcycle is soooo important to him, I'll concede. We know marriage isn't something you keep score on.

He's my best friend, my rock. I'm not quite sure what I offer to him... but I know he loves me & is always excited to tell me about his day when he gets home. I support him in his goals... or help him find his goals... sometimes he can get fatalistic and think he'll never be something cause of what he came from. And thats when I try to step in and make his dreams happen or show him how its possible. He's the one that helps keep me grounded so my lofty ambitions don't lose sight of living life today.

I mean, yeah, I became a mom at 18, 19, 22, and 26... but I also graduated with my associates in 2003 at 21, bachelors in 2004 at 23, and have a goal to get my masters before I'm 30.

We bought our first house when I was 24, our second when I was 25. We have great credit, have never been late on a payment, I've paid back any loans my parents made to me in my younger years... I feel like we've come a long way.

I know I tend to talk about our debt... but I fail to mention that we save $645/mo and have $20K in his 403b and $3K in my Roth IRA

And the REAL end goal is... DH and I want a condo in Hawaii to retire at, we want the kids to go to school in Hawaii till they are all out of the house and then we'll have our dream house in Missouri with some horses... Dh can have his garage & restore cars... and Hawaii can be our 2nd home. When he gets out of the Navy he wants to go to a school to fly helicopters and do that. Lofty ambitions I guess... but its our goal.

Sooo I just had to get that out there... if just to help others get to know me and where I'm coming from and where I've been.

Ok, off to work now... Mondays are my busiest days.