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Have not been on in forever

January 30th, 2008 at 07:41 pm

Between having an almost 7 month old bundle of joy and working about a gazillon hours to make my own firm a success I have not had much time to get on here.

Financial goals for 2008:

1. Get college savings fund set up for Frankie
2. find better health insurance
3. finish paying off ugly law school loan
4. save enough for a 14 day trip to Washington to see my family next Christmas
5. get somewhere close to being able to buy a house.

Here's an updated picture of our little guy, who now crawls, tries to talk and keeps us super busy


September 14th, 2007 at 01:08 pm

Have been super busy, alas, no entries over here although I try to keep up on everyone else's.

The little guy is growing like a weed, 12 lbs already and he slept all the way through the night in his own bed last night (WOOOOOHOOOOO!) Cannot tell you how happy that makes mommy (daddy is pretty excited too!)

DH and I have our 5th anniversary tomorrow, wow times flies!

The firm I work for got sold, so as of the end of this month everyone except the receptionist is out of a job. Thankfully because I do contract work, I have plenty in the bank to whether the storm and DH and I decided to move closer to his family (as our lease was expiring as well). So it all worked out well. I'm going to look for something part-time and I'm still toying with the idea of starting my own firm, so I can work from home. Have to test the water out a little bit...

In the baby bill category, have two bills left to pay, one for $400 and one for $835. Should be able to wrap up the bills for delivery this weekend---Yeah! (and no credit cards used to pay off anything!)

hate my health insurance

August 15th, 2007 at 09:18 pm

Since I work on a contract basis I get to pay for my own health insurance, read high deductible, low benefits, big ugly copays. Within the last week I've gotten to pay the following:

$2,000.00 to OB for delivery (delivery only, this was my copay)
$800.00 for epidural (they don't cover that)
$417.00 (for pediatrician and first two well baby visits, copays and deductible)
$499.00 to hospital to cover my stay

I did cancel my dental insurance (with the same company) as they wanted to raise my monthly rate $70.00 because I was putting the baby on my medical insurance. They have a policy that any additional family members, regardless of whether they are able to use the dental benefits or not raise the rate, absolutely ridiculous....

Universal healthcare anyone????

good news on paycheck

July 17th, 2007 at 02:21 pm

I work on a contract basis and get a higher hourly wage by doing that, but the trade-off is no benefits. I also don't qualify for FMLA because my employer has under 50 employees. However, in a suprising fit of generosity, my boss paid me for 48 hours of maternity leave on my last check and per the bookeeper is planning to do the same on the next two checks. This will be 144 hours I had not been counting on getting paid. YAHOO!

In other good news, watching my diet while pregnant paid off, 12 days post baby and I'm back in my skinny jeans...

first photos and updated totals

July 12th, 2007 at 02:15 pm

Here are some photos of the little one...

Updated baby totals:

Old Total: 1142.00
New Total: 1228.00

29.00 for copay for a bloodraw and 57.00 for a picutre package from the hospital since the photos turned out so cute and they will personalize them with name and birthday for the annoucements.

Baby F is here!!!

July 11th, 2007 at 04:17 pm

Haven't been on in awhile, Baby F made his appearance 18 days early on the 5th of July at 12:23 am, 7lbs. 3oz. and a pure delight! will post pictures when time permits...and no his first name is not frugal although I hope he will grow up to be!

new baby spending total 6/14/07

June 14th, 2007 at 02:24 pm

old total: 1028.00
new total: 1142.00

had 104.00 in copays for bloodwork and 1 hour GCT and 10.00 copay for bp medicine.

5.5 more weeks to go!

Why not to buy too much baby stuff

June 6th, 2007 at 09:58 am

DH and I have been trying to keep the baby costs down. I'll admit I've made a few impulse clothing buys (the outfits are so darn cute!). I have a friend and a SIL who are due around the same time as I am, both of whom went out and bought full (and overly full wardrobes for baby). Within the last three weeks I have had two suprise baby showers and now have so many little outfits they barely fit in the dresser! I did not expect any showers and was deeply grateful for all the kindness people showed us. It just reaffirmed for me that sometimes it pays to hold off, even when the money wants to burn a hole in your pocket!

$4.10 from half.com

May 23rd, 2007 at 11:10 am

this will be my most recent deposit. Not a lot but hey every penny counts. All half.com deposits are going towards student loan. I'll be combining last deposit plus this one for an extra payment of $20.00 from half.com payments. I usually try to make a full extra payment of $250.00 per month as well.

new baby total 5/21/07

May 21st, 2007 at 10:11 am

Old baby spending total: 840.00
New total: 1,028.00

89.00 Copay for second ultrasound, ah the pleasure of paying for your own health insurance and having crummy benefits....

84.00 car seat, found for about 15% less than anywhere else at Walmart, with free site to store shipping. Last big purchase to be made...YAHOO! and very highly rated in all the consumer guides and opinions sites.
Should be here in 7-10 days...

15.00 for two pairs of clearance shoes at Payless and boy does this make me grumpy. As of yesterday evening the only shoes I could fit in where a pair of old running shoes, and two pairs of flip flops...umm, not exactly court friendly...hmm, off to payless one pair of black slides and another pair of wedges on sale, but what a waste as I will only be able to wear them for another 10 weeks....oh well....

Won a door prize, bad hostess manners?

May 19th, 2007 at 05:42 pm

I had to attend a CLE yesterday for my continuing education credits. Actually, it is one that I enjoy so it wasn't too bad, lunch was included and I won one of the door prizes....a bag of groceries from Trader Joe's in a reusable tote! Lots and lots of cool stuff to stock the pantry and the tote is perfect for the beach (oilcloth type material)...Yeah! The last time I won somehting was a cake at a cakewalk in second grade, so I was a little overdue!

Sold another book on half.com

Found the carseat we had been eyeing for $10 less on Walmart with free site to store shipping, so I went ahead and ordered it.

Paid life insurance bill and health inurance bill.

I'm going to a baby shower tomorrow for a former co-worker. The lady hosting the shower put the registry information in the invitation and a little handwritten note that she suggests something in the $25-50 range (What are you kidding me? How rude can someone be?) 3 other people who are going to the shower have emailed me to express their outrage. I bought a really cute little boy (12 month outfit) and a nice set of bibs for $6.50 at Ross, added a cute card and gift bag from the dollar store and have a really cute gift for $8.00. Hopefully hostesses suggesting what price range they think invited guests should purchase in is not a trend...iiiccckkk!

ebates refund posted to paypal

May 16th, 2007 at 11:33 am

Big Fat Refund posted to paypal today ($16.00) which can now be used towards DH's tattoo supplies as he needs more ink.

Paid $256.00 for next six months car insurance and saved $38.00 over paying monthly.

Paid $56.00 Verizon phone bill.

Cancelled stupid Cingular cell phone contract, which ends on May 25, 2007, ordered new tracfone with free time cards for $20.00 on a good deal I found on deal taker.

received EOB for last ultrasound, my portion will be 89.00,will do a check before next OB appt and add into baby total.

survived 3 hour GTT with no problems...Yahoo! Will get results next week and feeling much better on low dose BP medicine, it's amazing how much your BP rising just a little affects everything....

New baby total 5/11/07

May 11th, 2007 at 09:23 am

Old total: 797.02
New Total: 840.01 (amounts spent detailed in last post)

I called the health insurance and the baby will be covered for the first month under my insurance policy with no additional premium. After thirty days my premium will go up by $87 per month and then it comes down for the baby slightly after year one to $67 per month.

Expensive day yesterday

May 10th, 2007 at 09:54 am

Expensive and busy. Had an appointment with the doctor in the morning. Have to go on a low level blood pressure medicine for the time being. Also my 1 hour GCT was 2 points above the cutoff (just found out about 5 minutes ago) so now I have to go for the 3 hour GTT (ick!).

After the doctor went Supecuts and got a haircut and brow wax : $25.00
Albertsons for groceries and treats for 3 girls in our office who are graduating and we are having a party for tomorrow: $38.40 ($12.00 will be reimbursed by office for the treats)
Staples for drafting pencils DH needed and padded envelopes I needed : $9.95
auto service center for smog check: $32.00 (they did the automatic pass to DMV so I don't have to go stand in line)
DMV tag renewal fee: $58 (one more reason to love the Geo, our neighbor was just telling us he had to pay $314.00 to get tags for his massive Cadillac Escalade)

New Baby expenses---I'll update total later this week:

$10.00 copay for BP medication due to rising BP
$6.00 Little Tikes Size 2 Mega Pack Diapers on sale at big lots
$2.00 20 sticky tray/table protectors at Big Lots
$3.00 Baby sunblock at Big Lots (we spend a lot of time at the beach so this is a must)
$12.99 for two to the ugliest nightgowns I've ever seen at Ross, but they fit and were comfortable, our local hospital requires 2 gowns in your luggage when you have the baby---personally I absolutely hate nightgowns...
$9.00 really, really cute Sesame Street three piece overalls, shirt and shorts (complete impulse buy)

Only large item left to purchase is the car seat

New Gifts: Camo shirt/shorts and little sandals set from one of DH's old Army buddies (DH was in the Army for 14 years)

Because we have the graduation lunch for three of the girls in our office today, lunch will be on the boss--Yahoo!

doggies washed, bills paid

May 8th, 2007 at 09:58 am

DH and I washed both doggies (shaved the longer haired one---whew what a job) and clipped toenails, saving ourselves about $150.00 in grooming fees. Have to take the little darlings to the vet later this month for 2 yr rabies shots and one other shot.

Got direct deposit of $15.27 from half.com for books sold Smile Also got an email another had just sold...yeah!

Paid the following bills: 55.68 sewer and water, 9.95 natural health magazine subscription (my favorite magazine), 260.00 (extra student loan payment--woohoo).

Also got free coupons from Mambo Sprouts in the mail today....yeah!

Now I'm off to do the laundry---nothing smells as good as clean clothes fresh from the dryer...

made it through 1 hour GCT

May 4th, 2007 at 10:08 am

So the one pregnancy test I absolutely was dreading was the 1 hour Glucose Challenge Test. Unfortunately during high school I worked in a doctor's office and watched a lot of moms to be get really sick taking it. I hate needles and the flat soda taste so I was really dreading this. Thankfully, DH had yesterday off and could go with me. I went prepared with straws and a bottle of water, etc...(I had also practiced with peach juice, which is kind of thick like the liquid itself to make sure I could get the 10 oz. down in five minutes). It went off without a hitch, the solution did not taste as bad as I thought, I was able to drink it quickly, had no reaction whatsoever and actually didn't have a problem with the blood draw one hour later. Man was I relieved.

Still don't know what my copay will be on this test, as the two billing girls I talked to both came up with different figures for the test and one thinks my insurance doesn't cover it at all...so we'll see

Hopefully my glucose level will come back low, I'll find out next week at my OB appt.

Partial Bed Rest, Half.com sales

April 27th, 2007 at 10:59 am

Good news first: Just posted a whole slew of books on half.com (cleaned out outside storage) and three sold today.

Bad news (although not terrible): at doctor's appointment yesterday my BP was up a bit. It's usually low and not high enough to classify as Pregnancy Induced Hypertension, but my MD put me on partial bed rest, so I'll only be working three days per week now....EEEKS! Thank God for the baby fund...Hopefully my BP will go down a little by the next appointment. I guess it's a chance to finish all those books I have around the house half read. Thankfully, my boss was very nice about it...13 more weeks to go....