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Archive for December, 2008

Almost done

December 14th, 2008 at 10:20 pm

with my Christmas shopping.

While the husband went on a road trip with his friend (to help him out) to Pennsylvania, I decided to do some online shopping. It beats waiting in long lines, and having the kiddos scream because they're bored. One thing I don't like about shopping online is that mostly everything I wanted were out of stock! I ended up having to buy presents from 5 different stores.

Wal-mart- $57.90
Target- $28.93
Toysrus- $85.94
Amazon- $27.83
Best Buy- $271.29
-------------------
Total - $471.89

Gifts left to purchase:

My 4 year old brother:
Transformers - $19.99
Incredible Hulk - $19.99
---------------------------
Total - $39.98 (no tax on base)

My 15 year old brother-in-law:
America Express giftcard - $50.00
-----------------------------------
Total - $53.00

I think that's pretty much it unless something else comes up.

Question for everyone who has kids! How much money is good to spend for kids on Christmas?






The D-word

December 7th, 2008 at 02:40 pm

I don't know if i'm being a little immature, but I'm pissed off!

My husband went to a football game last night, but gave me a bullshit excuse that he had to meet all his single friends three hours before the game started so they can get drunk before the game. We agreed that I was going to pick him up after the game, but after the game ended, he decided he wanted to party w/them. Well, long story short, he didn't come home that night. It's 3:40 p.m. and he just came home.

To me, I don't think any married man should be partying w/his single friends by the college campus housing. I'm irritated that he screws me over all the time, and i'm tired of dealing with him. I'm contemplating a divorce because it's clear that he's not going to change. I figured that since i'm still young, I can find someone else to make me happy instead of waiting for him to change thirty years later.

Am I overreacting?

College Savings and Retirement Planning

December 5th, 2008 at 01:57 pm

So, I know i'm only 22 years old, but i'm already thinking about retirement. I've been reading "Smart Couples Finish Rich" By: David Bach, and it's really got me thinking alot on how I want to live my life when I'm retired. The only thing is that I don't really know much about IRA's. My father-in-law was telling me that our best bet is to get a Roth IRA, something about taxes being taken out now rather than later. Now, with me being a SAHM, my husband can open me a Spousal IRA. Don't really know much about that except we have to make enough money for him to open me one.

Anyway, on the other hand, College Savings for the munchkins. I've been thinking about opening a savings account for them next month that way when they're older, we can give them the money. I've been told by my mother-in-law that that I had to be careful about it. She said that by saving them some money, it can disqualify them for financial aid when it comes to college. Now, is this true? I don't understand why it would disqualify them for financial aid.

Also, another question that I have is College Funds. What is the difference between Coverdell and 529 Plans? What if I invest all this money for the schooling, and they decide they don't want to go to college? What happens to the money then?

UGH! Maybe I should just cross my fingers and hope the girls will have a free ride to college?

My tradition before the New Year.

December 5th, 2008 at 10:50 am

I have this tradition that I do before the New Year, and it's to clean the house spotless, get rid of old/unused things, and reorganize the house. It's a little asian tradition that my family did for years, but the husband does not understand. We do it to rid the house of "bad" luck, and start fresh for the New Year bringing "good" luck.

I know, I know, it sounds stupid, but it's important to me, and the husband thinks it's silly. So now, I'm trying to do all this on my own. How could I? I have two girls who wants my attention 24/7, a dog who loves tearing shit up, and a husband who doesn't pick up after himself. To make things worst, I have to plan Christmas dinner, buy presents, and finish my finals for class. I feel like i'm barely keeping myself above water, and it's killing me!

I desperately wish I had the help I need to make all this go away.

Home Business

December 3rd, 2008 at 05:48 pm

I'm actually proud of myself because my Avon business is on its way of becoming somewhat successful. I had two customers order from my Avon website this week!! Which is exciting because they weren't family Smile

This is my third time with Avon, and I truly believe that timing is everything. The other two times were just horrible because I was too busy with school, the kids, and dealing with my husband's deployment. But now, I'm more motivated to making this a success.

I'm naturally a shy person which is weird because i'm a Leo, but I'm not sure how to approach people about Avon and whatnot. I'm not sure if any of you do Avon, Mary Kay, or even Stampin' Up!, but I was wondering if y'all can offer tips on how to promote the business and get more customers?

Friend or Enemy?

December 3rd, 2008 at 01:27 pm

One thing I hate about military life is you don't know who to trust. Being a military wife, I've always been open to meeting new people and becoming friends simply because i'll need the support when my husband deploys. Now, I don't even think having friends are even worth the time and effort. Most of them are frauds!

I had a "friend" who volunteered to watch my dog while I visited family in Hawaii, and when I got back, my house was trashed!! There were shoes thrown around in the living room floor, my curtains were all messed up, there were chewed up wooden coasters on the floor from when she let my dog in the house which I specifically told her not to let him in, my towels were thrown in the backyard for my dog to chew up, mud and dog poop on the floor..... it was a mess!! To make things worst, she had the nerve to say that I owed her $300 for watching my dog, and for her buying snacks, toys, and a collar for him. Now, the snacks, toys, and collar was all on her. I didn't ask her to buy anything for him. I was furious, so I responded that i'll pay her the $300 if she pays me for everything that was damaged in my house.

The thing that makes me more furious was that she was snooping in my bedroom. How would I know this? Well, I always clean the house spotless before I leave town, that way when I get home, I don't have anything to worry about. When I got home from my trip, there were boxes that I left inside my closet scattered on my bed. There was my credit reports, bank statements, all of my important financial stuff scattered on my bed. So much for that friend!

On the other hand, there are friends who just try to outdo you. When I got a car from my mom as a christmas present, my "friend" decided to trade in her car for a Lexus. She then started flaunting it saying how much her car is better than mine. I, personally, didn't care! I mean, in the end, it's really just affecting her since she's stuck with the payments...NOT ME! A few months later, I found out that she had to give the car back because she couldn't keep up with the payments.

It pisses me off that people can be so shady. All I want is a friend I can trust. Not someone who just comes to me for information so that they can outdo me or use me or whatever.

Irritated

December 2nd, 2008 at 04:12 pm

My husband lost his debit card, and to make things worst, there were charges made to our account. I'm not sure how much these charges are at the moment because they were used as credit. After noticing these charges, I immediately called the bank to cancel the card, and disputed the charges. The bank said that it'll take awhile because they have to investigate and determine if they were fraudulent.... So, we'll see what happens. It just irritates me that people actually do things like this.