I write the check or make the payment, I consider that gone. I never go by the bank balance, I go by my register. I also don’t use a debit card otherwise I would have to remember to take it off the register and that I may forget.

Any advice for moving money so electronic payments happen instantly?

It really frustrates me that my electronic payments take so long to pull from my bank. Luckily, I am pretty organized now and know where my money is going, but it is still unnerving to me when I open my bank account info, and the amount isn’t right. I have to go through my register and see what hasn’t yet posted… Especially when I have no choice but to pay electronically for so many things.

This struck a nerve today because instead of using my cash (my fault!) I used my debit card for gas last week and didn’t balance it in. So my account is $50 shorter than I thought it would be, and I have a payment out there for a bill that hasn’t yet posted but needs that $50. Tomorrow morning I need to rush to the bank, put in $50 cash and hope I have beat the payment posting. If only the money wouldve come out right away last week when I sent it, I wouldn’t have this worry. I wouldn’t have been able to get the gas on my debit, I would have been forced to wait until I got home where cash was. Wish I would have…

I wish there was a machine I could load my dollars into (for free) and instantly send them where they need to go. I like to pay things and see that money gone.

Anybody else irked by this? Any solutions?

Yes you can pay to have the box drilled

Whoever hs settling your estate can get a court order to get into the box, it takes time and money to do so. When df died that is what I had to do to get his life insurance policy that was to pay for his funeral and it took longer than the funeral home would wait so we had to pay cash out of our pockets, not the estate for the funeral. Had we had a copy of the policy on hand insurance would have paid without us actually having the policy in hand. So keep a copy of all policies at home and the original elsewhere.

I know, I know…

1) banks are closed on weekends, if you have a fire Fri–Sun by the time you realize you need it the bank is closed.

2) When you are fleeing for your life picking up your safety deposit key on your way out is low priority.

3)If the person(s) who sign on the box are incapacitated you will need a court order to get in the box

4)If, God forbid, they die you may not be able to remove it from the box until the estate is settled, which could be years.

5) i need payday loan online service

Our insurance agent said

the best thing is to walk through your entire house with a video camera and highlight everything. You don’t even have to talk. Just walk through and open every door, drawer, and cupboard/cabinet. Go through the garage and barn/shed and walk around the outside of the house. Then keep the video somewhere OTHER than in the house! Best option is NOT in your safety deposit box but upload it to a cloud or online storage and keep another copy somewhere else.

We have yet to do this but I can guarantee that it will be done soon….I’m done playing around. We’re doing this!

Well, being Pollyanna here

look at all the stuff you are NOT going to have to move here. Just that alone makes it worth the fact you used it up. I understand the “panic” you feel when you realize it is gone though. I freak when mine gets the least bit low, but then we have had to live off our food storage more than once and it is like a major FFEF to me.

Another big plus of it. You will be able to organize it, and everything will have fresh dates as you restock. You will also know from this last year what your family will and won’t joyfully eat in times of emergency. So in a way, this last year has been a blessing for you.

Well congrats

that you were even ABLE to live/eat for a year being unemployed. That’s a feat in and of itself.

I live in Texas and yes, you will find abundant produce here are great prices. But if you really want a bargain, go to small ethnic markets (Hispanic, asian, etc). There’s one by my house and I was astounded one morning as I stopped to pick up produce for work… I grabbed 3 zucchini, an onion and something else, maybe pasta and I hadn’t purchased enough to meet their $1 credit card minimum and instant payday loans online. Yeah it was crazy. The pack of gum I added to my order cost more than the food…

Also there are a lot of small farms and farm cooperatives where you can buy your meat direct. It’s fresher, you know the animals were treated right, and its usually cheaper.

A pre-welcome to Texas!

Real Food storage (but grateful we had it)

So because we’re being forced to move earlier than we planned, it’s had the “benefit” of me getting packed and finish clearing out the garage so I can move the household stuff into the garage.

This means I could no longer put off going through the real food storage, condensing and rearranging/repacking it (vs our long term storage: wheat rice beans oatmeal, commercial dehydrated which is already boxed square).

Sigh. I’ve put it off and put it off because I did NOT want to see just how badly depleted it had become. I know after a year of being unemployed and living off our food storage, that I should NOT be surprised at how badly depleted it was, but it is still…well a heartbreak to see how little is left (as opposed to say, living in the fantasy that I had real FS left, lol.)

Basically, I’m down to about 10 small bottles of vinegar, about 20 pints of home canned sweet potatoes (which we will probably go through in the next 60 days so I don’t have to move wet home canned), and about a 6 month supply of plastic wrap.

So basically zero real food storage left.

Not complaining. At least I know what our first priority will be once we move to Texas! Good thing it will be summer. It will be too late to get a garden in, but at least I will be able to buy produce by the bushel (hopefully cheap??) and get it put up. Hopefully I will be able to buy a half cow/beef and get that put up too.

Grateful we had it. I know it was a year’s supply because…we were out of work for a year, LOL.

Saving money on vacation

As I mentioned last week, after being so sick for so long dh is wanting to travel asap. We have a couple of short trips planned for this next month, but he wants a multi-day trip to WDW before our annual passes expire. So I started “bargain hunting this last week, and I guess it is meant to be, because here are all the discounts I found and was available to apply so, far to our trip.

We generally stay at the cheapest resort, but due to a special WDW is running right now, we got a special rate on a room and one that was a couple of tiers up from where we usually stay for less money than the cheapest. Our original plan was to arrive on a Thursday and leave on a Monday, because traditionally airfare is cheaper doing it that way. So I told our travel agent (Carol Garcia at the Magic for Less travel agency—tell her I sent you please) we would take that room IF I could get good airfare prices.

Checked Southwest Airlines, our preferred airline and found they actually had a special going that the airfare was about ½ of what their standard price is. Even better we could each fly for $40 cheaper if we flew in the night before, but that would require an extra night at the Pop Century. So I contacted Carol to see how much extra that extra night would be…

Well, it turns out it was actually going to be $150 cheaper, all totaled IF we did take an extra night, because the special going on rooms was tiered based on the number of nights and arrival days. So I told her to add the night and went back to book the airfare, which by that time had already gone up $20 each on us. You gotta be fast on cheap airfares.

So we shot off to Sam’s Club where I picked up enough gift cards to pay for all but $7 on the airfare. The reason I got gift cards was because for every $150 of gift cards you save $8 when you purchase them at Sam’s. That would mean a $40 savings on that.

I also purchased a $150 worth of Disney gift cards at the same $142 price to make my room deposit with, all in all on this trip the gift cards would save us roughly $100 on just the flight and reservations, but we will also pay our meals and shopping with more Disney gift cards, so the savings will be more.

Well, we learned a valuable lesson on the SWA gift cards, READ the back of the card and save yourself some hassle. You can only use them for airfare, you cannot use them on any package deals, in flight purchases etc. Th9is was not a problem, we only wanted to pay airfare with them anyway. The lesson came when after I had entered $200 worth of the cards online that we discovered you can only have 4 forms of payment per BOOKING, not ticket. Which meant we could only use 4 of the gift cards if I purchased the tickets like I normally did 2 round trip airfares on one confirmation number.

I freaked out a bit, and called the help number. The lady on the other end helped me get the $200 put back on my gift cards and suggested 4 one way tickets, that way I could use most of my gift cards. She was helping me do that when we got disconnected.

I called back and got a very nice gentleman who agreed we could do it that way and took over getting the tickets asap (before they went up again, because they were getting ready too) AND dh and I on the same flight. We got it all worked out where we used all 15 gift cards, plus my debit card to make up the $34 difference. Because of their limit 4 policy I could not roll the excess left on one $50 card to the next ticket so I now have 3 cards with $11.40 left on them, but as you well know we will use those eventually.

So I got the airfare booked for later this spring at a much discounted price and the room at a discounted price and am paying for them with discounted gift cards. This trip must be in the cards.

Oh and I saw that WDW has a new room special starting today and if it should work out cheaper than the one we have, Carol will automatically put us on the lower cost one (with my permission of course).

To celebrate we went to IHOP where I got to eat for free on their B!G! senior’s deal, so we were on a roll this weekend. LOL!

Now on the hospital/doctor bill front! As I reported about midweek last week I discovered we were being way overbilled on our deductible, Like $3000, plus on the deductible and so I contacted BCBS. I just checked my online claims center and they have backed over $5,000 off our bill total. It seems not only were they overcharging us on our deductible, but our BCBS has some sort of senior co-insurance thing on it and they are applying that too!. Of course some of this might change, but to find that bill down so much (especially since we have already paid over $2,000 on our medical bills is cause to celebrate. READ YOUR BILLS people I am saving us THOUSANDS by catching this series of unfiled insurance, over billings, miscalculations and such.

It’s honestly amazing

to see the fruits of staying faithful to God and the DR programs. This time a year ago, DH had only been back to work 2 months and we were still in debt. A year later we are virtually debt free and buying a house. ok, getting in to debt another 80k doesn’t excite me but never being homeless again DOES.