Hai!

akhensley81

aMrs- I've gone off on Comcast a few times but that's all been over the phone. I think those people's goal in life is to make you miserable.

I've made a hellacious public scene at the pharmacy at least once. Hehe.

aMrsin09

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_hai-4?plckFindPostKey=Cat:Wedding%20BoardsForum:9Discussion:7c3e9ba6-a583-4231-bf1a-66849ed6c40bPost:9d35f566-7b59-4862-8963-5f1554f02c79">Re: Hai!</a>:
[QUOTE]aMrs - that stinks.  Too bad I bet there's not another phone company in the boonies where you live.  
Posted by Loopyseven[/QUOTE]

There are choices, if we lived down the mountain.  We are so far behind in terms of communications that they are just now starting to talk about whose going to pay to have the National High Speed Broadband Service installed though out OZ. 
When we first moved here we could only get dial up.  They have HSBB in the village, but they never took it out further than the two blocks :-(
But even once it's available, I don't want to see what they will charge for it.  Right now we pay $90 for 100 G/month for just regular broadband.

Our phone plans are pretty basic at $20 and we actually find ourselves NOT calling each other or other people to keep the $$ down. Our home line is $40 a month just to have it sitting there.  And we have to have it, since cell covereage up here is spotty at best.

Loopyseven

AK - Got it... That's pretty much what we already do.  Minus the tracking what the savings is for... but for the last 16 months every last penny has been "wedding".  and now it is "Christmas".  After the holidays we are back to budget.  

[Deleted User]

Hello ladies!

Just got of the shower. I fixed homemade pasta sauce, spaghetti, salad and garlic bread for dinner.

akhensley81

Loopy- Yeah it's tough. And a lot of times, I hear from H "we're doing all of this saving, why aren't we there yet??!?11!!" And then I remind him that we paid for our entire wedding ourselves, with cash. Now we're saving for our move in the spring - we fully intend on paying someone to pack and move our shiit for us. We hate moving.

Loopyseven

Hiya Missy - That sounds yummy.  I brought some turkey soup and rolls to work with me.  I made the turkey soup this morning - made the broth from the turkey bones last weekend.  It turned out pretty yummy.

aMrsin09

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_hai-4?plckFindPostKey=Cat:Wedding%20BoardsForum:9Discussion:7c3e9ba6-a583-4231-bf1a-66849ed6c40bPost:6ad8c82b-c8e9-4864-a811-fdb452da10cf">Re: Hai!</a>:
[QUOTE]AK - Got it... That's pretty much what we already do.  Minus the tracking what the savings is for... but for the last 16 months every last penny has been "wedding".  and now it is "Christmas".  After the holidays we are back to budget.  
Posted by Loopyseven[/QUOTE]

We (I) use the savings goals in Quicken to track all that.  BUT, I pull the savings money and bills out first and then see what we have left for fuel, food, etc.

kellyjellybelly

I'm going to Missy's house for dinner.

AK - my biggest problem is that H's paycheck is all over the place.  He's 100% commission.  I'm actually pretty good at working out a budget and all that stuff, I'm just having trouble getting things paid off since i can't count on him paycheck for anything over basic bills.

[Deleted User]

I have never heard of turkey soup before, but it sounds yummy. Now I am kinda wishing I had turkey leftovers to make things with.

[Deleted User]

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_hai-4?plckFindPostKey=Cat:Wedding%20BoardsForum:9Discussion:7c3e9ba6-a583-4231-bf1a-66849ed6c40bPost:764ddc73-0504-495b-be87-d0aa3b0b8560">Re: Hai!</a>:
[QUOTE]I'm going to Missy's house for dinner. AK - my biggest problem is that H's paycheck is all over the place.  He's 100% commission.  I'm actually pretty good at working out a budget and all that stuff, I'm just having trouble getting things paid off since i can't count on him paycheck for anything over basic bills.
Posted by kellyjellybelly[/QUOTE]

You can come on over. We have a lot leftover for another night. And I even froze some of the sauce for another meal in a few weeks. We will just have to throw some spaghetti noodles or whatever with it.

I am actually proud of myself bc I still don't feel the greatest.

Beachy730

Okay now this food talk has made me hungry so I need to go make myself some dinner.  I'll probably be back up here later.  I can not wait until Monday when my laptop is supposed to get here so I can knot from the couch again! 

akhensley81

I haven't decided what's for dinner yet. H is working late and should be calling me any time now to let me know he's on his way home. Normally it takes him 30 minutes to get home (with my new job I'm right down the road from him)... with this snow today it took me almost 1.5 hours. So who knows what we'll eat tonight. Probably junk. Hehe.

kellyjellybelly

I had some bread for dinner. And some wine.  Ha.

Loopyseven

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_hai-4?plckFindPostKey=Cat:Wedding%20BoardsForum:9Discussion:7c3e9ba6-a583-4231-bf1a-66849ed6c40bPost:d3acd02b-e92a-44c8-b139-727cb91a27e5">Re: Hai!</a>:
[QUOTE]I have never heard of turkey soup before, but it sounds yummy. Now I am kinda wishing I had turkey leftovers to make things with.
Posted by MissySue20[/QUOTE]

<div>It's like chicken soup, but with turkey :)</div><div>
</div><div>Gotta go have my nightly "huddle" with the people who work for me.  Back in a bit.</div>

aMrsin09

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_hai-4?plckFindPostKey=Cat:Wedding%20BoardsForum:9Discussion:7c3e9ba6-a583-4231-bf1a-66849ed6c40bPost:c37587c5-dd02-4fd6-942d-d0afae9c926a">Re: Hai!</a>:
[QUOTE]In Response to Re: Hai! : You can come on over. We have a lot leftover for another night. And I even froze some of the sauce for another meal in a few weeks. We will just have to throw some spaghetti noodles or whatever with it. I am actually proud of myself bc I still don't feel the greatest.
Posted by MissySue20[/QUOTE]


and thanks for reminding me that I have some frozen too.  That is one less meal I need to plan for this week!

akhensley81

kjb- That definitely makes it tough. Can you try to figure the budget minus your H's pay? Don't count on it for anything? Then, when it comes in, it can all go to savings? I was on commission for a while (but with a small base), and we didn't even figure the potential commission in to our budget.

akhensley81

I'm currently consuming goldfish crackers and beer. This very well could end up being my dinner. Haha.

[Deleted User]

I am butting in on all of the budget/money talk. H and I just sat down last weekend and re-did our budget now that we are in the new place. I am actually reading Dave Ramsey's book and it looks pretty promising. Of course, H is leaving it up to me to read it and then apply it to our budget. I have heard of him before, but we were given a copy of his book at our Engaged Encounter weekend, which I thought was pretty cool. I guess they really wanted to see us get started on the right foot.

I get so depressed when it comes to money. While I knew all of this before we married, H has a lot of student loan debt. Fortunately, I did not bring any debt to the marriage. We (well it was my savings - or at least the majority of it) paid for the wedding and HM. It was hard to save while we were in the old place esp after they jacked our rent up so high. Hopefully, this new budget will get us back on track. And pay down some of his loans.

It is just so hard for me to see the light at the end of the tunnel sometimes as to when we will ever get a house. I want one so bad. I was almost at the point of buying a small house or condo before we got engaged and had to pay for the wedding ourselves. I guess I just need to get some patience....H always gets onto me about this and how I can have patience with the kids but not with other things in life.

ootmother2

Hi

who are you ?

looks like someone got married here

kellyjellybelly

If we didn't have credit card debt, that is absolutely what I would do.  He's been trying to find a different job, so I'm hopeful for that.  My priority right now is to get the credit card bills paid off, but that interest is a killer.  I 100% realize that that is all our own fault, it's just so hard to get ahead of it when he's basically bringing in little-no money.  FTR, he did have a much better job when we bought this house

akhensley81

Missy- I totally hear you. H and I give each other "pep talks" all the time about how we know we can do it, we just have to stay focused and help each other. If you're reading Dave's book, it should talk about the positive influence and reinforcement of the budget projections. Whenever we start to feel that way, we sit down and look through our spreadsheet to see how much we will have saved in a year. It's always a big motivator.

[Deleted User]

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_hai-4?plckFindPostKey=Cat:Wedding%20BoardsForum:9Discussion:7c3e9ba6-a583-4231-bf1a-66849ed6c40bPost:09ab5221-c231-4dc1-896f-dc405b0462d8">Re: Hai!</a>:
[QUOTE]If we didn't have credit card debt, that is absolutely what I would do.  He's been trying to find a different job, so I'm hopeful for that.  My priority right now is to get the credit card bills paid off, but that interest is a killer.  I 100% realize that that is all our own fault, it's just so hard to get ahead of it when he's basically bringing in little-no money.  FTR, he did have a much better job when we bought this house :)
Posted by kellyjellybelly[/QUOTE]

Sounds a bit like our situation. Before I moved down here, I was making decent money. Now, I just make minimum wage despite having a degree and experience. It does help, but I still feel like I am not contributing much if you kwim.  H makes good money, but it seems like so much goes to his loans each month.

We do have one small credit card that we are trying to pay off. It was pretty much extra wedding related stuff. I didn't want to do it, but didn't want to blow all the savings either. It was the lesser of 2 evils I guess.

aMrsin09

MissySue, if I had known what the mortgage terms were like down here, we would have just sold our places and bought what we could have paid cash for, regardless of the size.  30 yr fixed is unheard of here.  Fixed ratees are for only 3-5 years max and all others are variable.  Which I guess I could live with, EXCEPT...they can go up monthly AND have NO CAP!  legally we could waky up tomorrow with a 20% mortgage.

Yeah, I don't sleep at night and keep a tight fist on the budget.  I just wish I had taken over a few months earlier...

akhensley81

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_hai-4?plckFindPostKey=Cat:Wedding%20BoardsForum:9Discussion:7c3e9ba6-a583-4231-bf1a-66849ed6c40bPost:09ab5221-c231-4dc1-896f-dc405b0462d8">Re: Hai!</a>:
[QUOTE]If we didn't have credit card debt, that is absolutely what I would do.  He's been trying to find a different job, so I'm hopeful for that.  My priority right now is to get the credit card bills paid off, but that interest is a killer.  I 100% realize that that is all our own fault, it's just so hard to get ahead of it when he's basically bringing in little-no money.  FTR, he did have a much better job when we bought this house :)
Posted by kellyjellybelly[/QUOTE]

If you're really struggling with that, I would still definitely read Dave Ramsey's book. Even if it's just for the sections about paying down debt. If I remember right (it's been a while since we paid off our credit cards)... we made the minimum payments every month while socking as much as we could in to savings. Once we had enough cash to pay off the principal balance, we called the credit card company to settle the debt, pay off the principal, and close the account. It ended up saving us a ton off interest. And especially with the credit situation right now, any company would be crazy not to take that deal.

aMrsin09

Our big CC debt right nw is for stuff we really had no choice in.  The solar panels, the A/C and it's installation, DSS coming over for three weeks in January...

akhensley81

SQUEEEEEE my photographer just e-mailed me and wants H and I to come to her studio on Saturday morning to go over all the proofs of the wedding pictures and pick up our discs!!!!! We've seen 72 of them now, but she has about 1,500 to give us.

kellyjellybelly

that's exciting AK!

aMrs - yeah, a lot of our is from when H had been out of work.  We had zero debt when we moved into this house, which was 5 years ago.  Oops.  It's amazing how fast it adds up.  I should get another job - I can fairly easily work on my day off during the week.  I am crabby enough with my job as it is, but I think I'm going to have to suck it up.

WildRumpus

Hey there lovely ladies! How is everyone this evening? I just got home from babysitting and am looking at a fun-filled, action-packed night of....homework

kellyjellybelly

hi jill! homework sucks!

[Deleted User]

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_etiquette_hai-4?plckFindPostKey=Cat:Wedding%20BoardsForum:9Discussion:7c3e9ba6-a583-4231-bf1a-66849ed6c40bPost:9ce31288-7911-441d-b900-5c1cb0ebb9ad">Re: Hai!</a>:
[QUOTE]Hey there lovely ladies! How is everyone this evening? I just got home from babysitting and am looking at a fun-filled, action-packed night of....homework
Posted by Jill9288[/QUOTE]

Aww, I bet you saw some cute kiddos. I miss babysitting and the extra money. I used to babysit for almost every kid in my class where I taught before. However, no one in my current class has asked or mentioned anything about it so far and the school year is half over :(