Wednesday, December 29, 2010

Where did all of our money go?!?!

My daughter had a toothache during Christmas and so we gad to wait until Monday to get into a dentist.  We went to one dentist that was on our provider list for our insurance.  He looked at her xrays and decided to refer us to another dentist.  We drove straight over there and they did a check up and xrays as well.  She has alot of issues towards the back so they made a treatment plan for her and they started that day.  Things are very high tech now, very different from when I had to go to the dentist all of the time.  It makes for a much better experience for everyone me.  I was afraid to tell her she was going to get a shot.  I told her it was going to be like a little pinch.  It was not like when I went to the dentist and you had to get that little pinch 5 or 6 times.  You get one little pinch and then a little machine pumps in the numbing medicine.  Much easier!!  After about 3 or so hours she was finally done with the one tooth.  We went out to check out and they gave me the estimate for her work and I about died!! It was going to be $2262 and the estimated cost that the insurance company was going to pay was $809 which left us with about $1453 to come up with.  Now, we can split it up into several visits for financial reasons.  It would cost more cause each time we would have to pay for the sedation since they say the insurance won't cover that.  Plus, it would mean that many more times she would have to go in and get stuff done instead of doing it all at once and being done with it.  When we got home I decided I would do a budget for us. I wanted to find a way to do this all at once.  Less traumatic for everyone me.  After figuring out what bills we have every month, I thought I would just see how much we had deposited over this year.  I COULD NOT believe the amount!! Unbelievable!! I sat there and re-added it several times because I was sure it had to be wrong.  But, no it was not.  Where in the hell did all of our money go???  I mean we have bills but, they don't even come close to what we were bringing in.  Here is a rough estimate of last year:  In: 70K, Bills out: 39K that is a difference of about 31K!! What did we do with $31,000.00??!?!  We have nothing to show for it that is for damn sure!  That 39K includes grocery store trips too.  I am sure that is overspent also.  So we are going to start the New Year with a budget and I am going to follow Dave Ramsey's Total Money Makeover.  With any luck we will have no big issues and will be able to pay off a bunch of debt and have some savings!!

Thursday, December 16, 2010

9 days left!

That's right, 9 days until Christmas! I have a few more things to get and therefore have to go to GJ one more time this Saturday.  Hubs and I are going over by ourselves.  That is a first for us to get away in a LONG time by ourselves for a WHOLE day! Soooo excited!

I was given a link to a blog today and so I have found several more great blogs in the process.  I love reading other blogs.  It is my daily routine. 

Monday, December 13, 2010

Resolutons for the New Year.

I know there are a lot of people who every year vow to lose weight, me included.  I am tired of being fat and having no energy.  A friend of mine is going to be teaching spinning classes starting in January.  I am so excited for this.  She will also be teaching a step class as well.  I plan on getting fit and healthy this year. I can do this!! I also want to start saving money and paying of bills. I make decent money when I am working and it amazes me that we have nothing to show for it!! I CAN DO THIS!!!!!

Thursday, December 09, 2010

Happy Birthday to me!!

Today is my birthday! I actually celebrated last Saturday with friends.  We went over to Grand Junction and had a good dinner and then went to Bailey's for some Karaoke.  These are pictures from that night.  The one on top is of the girls singing Gin and Juice and the second pic is of the boys sitting on the elk that sits outside of the hotel lobby.

Wednesday, December 01, 2010


Ok, I was really good about keeping this up before.  I don't know what happened?? Maybe it was all the moving or the kids or the hubby or who knows! Anyhow, I am going to try and keep this up this time for good.  I need something to clear my brain. 

I was up last night and couldn't sleep because I had a million and one things going through my head.  In 9 days I turn 34 and for some reason I chose 11:00pm at night to start thinking about that.  Who does that?? Me, that is who.  I started thinking about all of the things that have passed me by because; I either wasn't smart enough or just wasn't paying enough attention at the time. It's not really regret.  It is things like; if I had been smarter when I was younger, I would have paid my bills on time and then my credit wouldn't be all screwed up.  I started thinking about all the bills there are and trying to fix my credit.  After I thought about each different thing, I would think I am too old to do things differently or to fix things.  Then, I started to think I was having a panic attack and still couldn't sleep. 

This morning I was going through all the blogs I like to read as I do everyday.  I read Mckmama's blog post and I could not believe how much she sounded like she was talking about me.  She was completely honest about her marriage and how she treated her husband.  It is funny cause before I even sat down at my lap top I started thinking about the same things she was talking about.  What is wrong with me?? I began reading all of the comments that went along with her post and realized how many people are the in the same boat.  How do I change my ways??