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Nothing Special

July 16th, 2011 at 03:41 pm

The last couple of days has been okay. Lets see. We got my son's high school enrollment stuff. He got the classes he wanted which was great but now we have to come up with $165 just to start for the classes. We get to pay for the privilege of taking the class as well as any of the supplies needed. They must be preparing for getting hosed at colleges on expenses. oh well. We also found out his health insurance premium is going up $50 a month. He is on his own plan because it is a hell of a lot cheaper. To put him on my wife's policy we would actually have to PAY her company each month for the privilege of health insurance. Luckily the insurance we figured was going to go up so we budgeted for it.

The bank found out we filed bankruptcy (we knew they would) and so they closed her zero balance credit card (we knew they would do that to) but it sucks they took all the points she had earned including bonus points. Oh well. We only wanted it so if we had to rent a car or something then we could without getting screwed on a bank hold. The attorney said they may or may not close it. Up to the bank.

I am going to try and start saving for an emergency fund. I don't know whether to open an account at someplace like ING or do the local credit union. I'm thinking it would be just a savings account. However, eventually I would like to open a medical savings plan, (maybe put a checking account with it) since we keep getting surprised by medical crap. So I'm leaning towards the credit union. Maybe I'll post the idea in the forum and see what they say. Before you ask our current banks is one of those that require a minimum each month in savings or they charge you a fee. Well a fee to hold my own money when they get the privilege of using it at little to no interest is against my standards. Actually, it just really pisses me off.

Okay I'm done for now. I'm sure there will be something later.

Taking the plunge

July 6th, 2011 at 09:57 pm

Okay, so I decided to start blogging. I will write when I can or the mood strikes me.

I think the best place to start is that my family and I got into some financial trouble over the last several years. While we had managed to stay on top of things when we moved we found out I had to have another surgery which is going to keep me out of work for at least a year. Luckily my wife was able to get a job right away. Even though we had 6 months of living when we moved and moved in with mother our money was spent on keeping us above water. Unfortunetaly the people who were supposed to be paying for my surgery still haven't paid yet after a 8 months. So between that and our credit card debt we are broke. Tomorrow we are signing the papers to file bankruptcy. Talk about a pride hit. I have done everything I can but not enough. It's hard with one income and some social security for my son. We are filing tomorrow.

My point is that we need to start trying to save money with what we have, and I figure if I make it public, hopefully we can do it. I also thought, I would document my experiences with bankruptcy and anything else. I hope this stuff is interesting to you.