Cross Your Fingers for Me

Later today I have what I think will be a final interview for a full time job here in GA.  It's the one I referenced here that called me on our move down.  I've been through the first interview, personality test, submitted professional references, so I think this should be the last in person part of the process... Not counting my chickens before they hatch, been through too much of this in th [...]

Tax Time!

It's that time of year again...TAX TIME!!!! This year I'll be responsible for getting the taxes done for two households:  my own and my father's (side-note: my dad has frontotemporal dementia, as explained here). Last year at tax time, my brother physically went with my Dad to an H&R Block to have his taxes done, at his request. It worked out, but was a whole mess because then my Dad lost [...]

New Job!!! (Kinda)

If you’ve been reading my posts lately, you know that I’ve been hinting at some job changes coming up. For the past year and a half, I’ve had two jobs.  Job A: My full-time (in person) academic job. Job B: Adjunct teaching part-time online for a different place. It sounds reasonable, but my “part-time” job was like working the hours of another full-time job and I knew the schedule was u [...]

Valentine's Day Kid's Craft

We have a long history of using homemade kid's crafts as a way to give gifts to friends or family in an affordable way, while still having a personal, meaningful touch. This year, we decided to make some homemade Valentines for the kids' class. To be fair, we did still buy some Valentines because the twins are in the same preschool classroom so we didn't want to be giving identical/duplicate ho [...]

And we have moved!

Day 1 of the rest of our lives is upon us.  We have finally made the move from our very high priced hometown to a very small town three states away.  The last two days during the move, I have woken up feeling so much hope just overflowing at what the future holds.  We will be living with my grandmother as we get the lay of the land before seeking housing of our own. And I got a sign that we [...]

Ashley's January 2017 Debt Update

First, thanks for all the great comments and advice on my Medical Debt Collector Dilemma post! If you haven't read the comments, then I'll give you the update:  I was able to negotiate our medical bill down into 3 equal sized payments to be paid across the next 3 months (February through April), and then the medical debt will be GONE and nearly $2,000 will be forgiven. Some commenters noted ho [...]

Signs It's Time to Replace Your Pipes

Most areas have a fair share of older homes and with older homes comes older plumbing systems and pipes that may need to be upgraded or replaced. While this is not a fun or pleasant prospect to think about, in many cases it will be completely necessary. In order to remove and replace underground pipes, professionals will have to use a pilot tube guided auger boring machine. These machines make it [...]

Ashley's New 2017 Budget

It’s been awhile since I did a full budget post. As I was working on this post, I was reminded of the reason – these posts always take sooooo long to pull together. I double and triple check everything 10 times to make sure there are no mistakes and to make sure I have solid footing on where all of these numbers are coming from. These are good posts for me to do, though, because it always o [...]

Working from home

After a recent post  a reader  expressed disappointment in my lack of a job, specifically my lack of working at home, so I felt I should cover the issue in more detail. I do make a small amount of income from home by providing child care for a neighbor and by renting a room in our home.  While I would love to have a higher income coming from me, there are several factors against it. 1-I h [...]

Medical Debt Collector Dilemma

One of the debts on our debt spreadsheet is from an outstanding medical bill we owe. Before this month's payment, we owed $5611.00. We've been making payments for years but have only been paying the minimum $25/month (with 0% interest). At some point we always knew we'd obviously pay more. But it was a lower priority when we have other student loan debts racking up over 6.5% interest! Well, j [...]

The Same Page?

Have you ever said anything to your spouse and immediately regretted it, even when it did need saying?  I totally had one of those moments last night! My darling hubby is a romantic at heart and came home with flowers after work, because he knew that I had had a difficult day dealing with the ramifications of the recent loss in our family.   Sweet, right?   Here comes my totally cringe-wor [...]

Tracking

The last few weeks have been a bit boring on the debt pay down front as I am still just tracking expenses before I create a budget.   However, a couple things have already been revealed to me through just the tracking process. 1- We need to increase our income.   This is a really tricky one with my vision situation and not being able to drive.  Realistically,our debt payoff will be really [...]

A Blessing in Disguise

One of my biggest dreads this past fall was living in the camper for the winter.  Going outside and up and down slippery stairs to go to the bathroom, inadequate heat and just being cooped up in the tiny space, literally on top of each other.  If I let my mind go there, the darkness would overwhelm me. We were all so excited to escape for the holidays to my grandmothers home and our short jau [...]

Financial Goals: 2017 & Beyond!!!

For the past couple of years I've made our family's financial goals public, sharing them with you all and tracking along throughout the year to see how we did (see 2015 goals here and 2016 goals here). We met our financial goals the past two years and hope this year will be no different. 2017 Financial Goals: Pay $30,000 Toward Debt. This may seem like no big deal since we had this same goa [...]

And we are on the move again...

Hello BAD Community and Happy 2017!  I hope your holiday season was fantastic and you were able to spend some down time with friends or family.  The kids and I have enjoyed a sabbatical (for lack of a better word) here in Georgia with a quick 10 day trip to Texas.  It was the first time we'd seen most of my siblings (there are 5 of us) in over two years. We had a very frugal Christmas and lo [...]

Whew!

Am I ever glad that 2016 is over!  Those last few weeks were absolutely brutal! Now that things have settled down between the flood and the death in our family, I feel like I can finally get past just surviving, and can start thriving!  As part of thriving, I have been rereading several of the wonderful comments from readers and I am readjusting my plans in regards to budgeting, savings and d [...]

2017 Planning

Hi friends! How is 2017 treating you so far? So far, so good over here! Just trying to balance work and childcare (always!!) The kids have been out of school all last week (they go back to preschool this coming Monday) so I’ve been drowning in work-related tasks while I’ve been trying to juggle childcare with hubs. Yikes! Speaking of hubs – a quick work-related update: Remember when we [...]

Ashley's Year In Review (2016)

It's funny how almost universally across-the-board, people have complained about what a terrible year 2016 has been. Was 2016 good to you and your family? Or did you also have your share of bad luck and/or mishaps? I think for our family it was a bit of a mixed bag. Overall, we did quite well on the financial front. No complaints there! But there were still some quite challenging parts of 2016. [...]

I'll be back!

I just wanted to post a super quick note...I have not forgotten about blogging here!  Shortly after the flood in our basement we had a family emergency occur that we are still dealing with.   This has meant that overnight our household grew by six kids!  Things have been crazy!!!   I will have a post up soon!   [...]

Ashley's 2016 Goals Wrap-Up (With December Debt Update)

2016 has been a rough one for many. Have any of you seen this meme floating around the interwebs? (Here's one source, but I've seen it on multiple accounts. It's everywhere.) Makes me chuckle. Although 2016 has been tough in many regards (and I have a year-end wrap-up post in the works with more info on my 2016), it hasn't been all bad. In fact, I've had a pretty good year when it comes to [...]