PGA Junior Tour?

Hello!  Happy Weekend!

This was my post for yesterday but then I got busy on the phone to see what I could do about Cabo and I just had to post that great news instead.  I really only expected to postpone the trip again, I had no idea I was going to be able to get completely out of it.  I am still so relieved.

But nothing has changed about my plans for the weekend.  Golf clinic, 99 cent store, and my kid gets to go to the Haunted House tonight.  I will be busy trying to budget as planned.   Now I just might have a bit of an Emergency Fund to look forward too!

My big plan for the weekend is to work on my budget.

budget

It may get even tighter round these parts.   I will explain that in a second.

NEWSFLASH :  High school girls golf season is over, the leagues have been played. (No more coach)!!!

My sophomore daughter ranked 14 out of 36!!  All five area high schools, including juniors and seniors.   Her scores are dropping and it shows.  She works so hard.

The girls team did make it to CIF finals and their first game is next Thursday.   Good luck girls!   Cheater Pants might not play, she got DQd from the league game yesterday.   Long story.

Here’s what might cause my budget to burst at the seams!   I honestly do not know how I’m going to swing it but I want my daughter to join yet another golf organization in January.

pga

There’s a yearly membership and tourney fees as well, but I talked to a coach from another high school that has her eye on my kid and she told me she is so ready for that venue!   This coach (who coaches at the elite private school in the area) loves my kid and she wants to take her for a private course management day.  Just the two of them – for free!  My kid is beyond.  She suggested this organization to me when I asked what next?

I need to sit down, take a good long look at my budget and  see what I can squeeze out. Groceries, Cable, Phone are things I can change to find another buck.  Its pretty tight as it is, but there are times when I do buy silly things (we all know that) but if I can hunker down just for a couple more years to give her the best possible chance at Golf Scholarships, then it will be so worth it!

I will do whatever it takes to give her every opportunity in it.

Yes, even during a Chapter 13!  Crazy huh?

Thank You Hurricane Odile

 

Today I was writing up a post about my daughters Golf and something dawned on me.

I really don’t want to go to Cabo.  But I also know that when you buy something through Travel Zoo you can’t get a refund after 7 days and I know as well that you cannot ever get airfare refunded.  EVER!

But check this out!

Here’s what I spent:

image

And after all my calls today, here’s what I get back! 

image

I cannot believe it either.  Fully refunded travel plans.  This just does not happen!

Here’s the break down.

I called Travel Zoo just to see about the hotel.  I told them about Hurricane Odile and why we postponed but that the new dates just did not work. The agent said no worries because that resort/trip is marked as fully refundable.  I was like… WHAT?    All I had to do was call the resort, get a cancelation number and call back Travel Zoo with that.  Done.  That included the shuttle too.  Done and Done.

Then I called the easy one.  I called the ride to and from LAX.  No problem.  Refund!  Done.

Now for the airline tickets.  I figured I would call and just change them to a visit to my mom in Portland.  The agent and I  tried to find some flights that would work, but they were like $350.00 a piece more.  I told the agent, no, I can’t do that.  Heavy sigh… then she said something I never thought in a million years that I would hear… “You do have a get out of jail card for free.”  Honest, those where her exact words.

She then explained that since there was an “alert” put on those flights because of Hurricane Odile, the reservation change fee was already waived, but even better, since she could not find flights that worked for me, I could be issued a full refund.  WHAT?   Yep and she started the process for me today right then and there.

So within the next couple of weeks I will be completely reimbursed.  I am flabbergasted, shocked and amazed.

Thank you Hurricane Odile!

untitled

I am so happy right now.  This kind of thing never happens and it never happens to me!

Wow!!!

Tomorrow I will post the golf post that was meant to be posted today.   This was just too good to wait!

Did I get out of that big mistake by the skin of my teeth or what?

sign

If You Like Ponds

 

ponds 

But not the price,  then you are going to LOVE this find. 

My grandmother used Ponds, my mother used it too.  I remember watching all the old actresses (playing actresses or entertainers) using it on TV when I was a little girl.  Remember the old movies where they would sit in their dressing rooms in silk gowns with their hair tied up in a huge bow with white cream all over their faces? 

IMG_8375

Probably Ponds right?

Well, since my daughter is now using make up she too is using cleanser, so she uses it too.

I found this a couple of years ago.  I think I mentioned it before to you but it is worth its own post!

IMG_8374 

Its so much like the Original Ponds but this only costs .99 cents! I know!   I stock up on it whenever I go to the .99 Cent store because I’m afraid it will be found out and disappear off the shelves.  ;-)

IMG_8376

If you buy it, make sure you get this one, with this color lid.

IMG_8377

It’s the best find in all the world. Well, at least in my little corner of it.

So if you are a Ponds girl, try this.  You won’t be sorry.  It is gentle on the eyes.  Just make sure you wipe all  of it off with a warm cloth and you will be good to go.

I don’t think it is good or bad for your skin.   I mean, it won’t help you with skin problems.  But it will remove all of your makeup so then you can put on your favorite skin cream.  I use Oil of Olay.  Yeah, nothing but the best right?  ;-)

Hope you find this helpful!  If you try it, let me know!

sign_thumb2

PS:  I put my little ghost out at home.  I love this little thing.  I use it every year!  It’s the only thing I do at home.

ghost

So freaking cute right?

xoxoxox

Halloween Office Décor – 2014

 

First off all thank you all for the shot in the arm yesterday with your encouraging comments.  I really needed that.  I felt  like some of those things I wrote in the post had to be put out there even if I did not receive that negative comment.

I just want everyone to know that I know that I am soooooo not perfect!  Winking smile  I appreciate your patience.

It is almost Halloween and this year, like last year, I decided to decorate.  I saved a box of stuff at work and I saved the branched I painted, so it was easy just to pull them out and use them up.

The big difference is that I decided to decorate the hall outside my office instead of in my office.  it got pretty cramped last year!

So here we are:

blackout

This is actually outside the wall of my coworker.  He didn’t care.  He is new, so he probably thinks I am crazy anyway.  We sit so damn close we can actually hear each other chewing!  Gah!!!

This is the wall outside of my cubby.

IMG_8372

IMG_8363

I added a little fire.  Remember last year when I had a running video on a monitor of a fireplace?  It was so cool!

IMG_8364

I made one out of construction paper this year and its cute even though it looks like a 2 year old did it!   Corny but cute!

IMG_8365

IMG_8366

Love the branches with the web, a 3D effect.  Ha Ha.

IMG_8367

The other side.

mummyHat

IMG_8368

So there you have it. Haunted Hall!

Do you decorate your office?  I have no idea why I have started doing it, I never did before!

I pulled out an old costume from my box in the garage, I am gonna be a Winch. Yep, that’s me.  Winch!

I saved a wine bottle and plan to print out a label for it.  FREE!

You dressing up?

sign

Clearing The Air…

 

Hello!  Today I find myself at home, in bed.  Insomnia, too much Kettle Corn (popcorn is a huge no-no for me)  and a limpy sore ankle has me down for the count.  One or other would be fine, but all three, is just too much at once.

Today I was going to post my Halloween decorations that I put up at work.  However, something came up and I think I will post that tomorrow.

Actually, what came up was a comment that Louise left me.  It really kind of confuses and concerns me. More on that in a minute.

I just wanted to clear the air with all my readers, who I  just love!  You are all so kind and understanding as well as super patient with me as I succeed and fail my way through this Chapter 13 journey.

Here’s the deal.  I hope you know that I don’t think myself as a Finance Guru, or a Lifestyle Diva, or a Super Mom or a Frugal Queen or anything of that nature.  Please feel free click on my newly updated blog roll for the truly great links to the real experts in all those areas!  I love to read those blogs too!

However this not an expert blog.  I am none of those things. Please!   What I am is an underpaid working class, single mom who is a financial disaster.  I have made huge mistakes in all areas of my life and now that I am in my fifties, I’m trying to clean most of them up.  Rome was not built in a day, my bad habits are dying hard!  This is not easy.  Have you ever been in a Chapter 13?  If not, then congrats, I envy you.  If you have or are now, then trust me, I feel you!

If you want to read how to be frugal, be beautiful, cook delicious meals, travel, live a certain lifestyle perfectly.  Then this blog is not for you, but you can come here for the great blog roll~!

If you want to come and see how I try to navigate the Chapter 13, my ups and downs, my good and bad choices, watch my successes and failures then please stay with me.

So here is the comment that made me feel the need to clear the air:

image

At first when I read Louise’s comment I was sure that she was only offended that I called the Emu’s at the pumpkin patch “ugly birds”.  I can totally agree with Louise that was an insensitive and uncalled for comment on my part and I will certainly try to be more considerate.

But what really stood out to me was her venom at my purchases such as Cabo, inexpensive perfume and my used Fitbit. She further commented about my cheap Cover Girl blush too and my duct tape! :-( I really don’t think those items annoy her.  I think what really annoys her is that I have the gall to buy anything at all!

Maybe people think if you are in a Chapter 13 you should not buy one thing that can’t be eaten or worn.  Newsflash, there is a budget item for entertainment.

Now… honestly, since I don’t have savings I probably should not be buying anything.  But that is what I do and that is how I am and this is my blog and I am honest and you will see me do stupid things all the time that will probably chap your buns!    Sorry.

I also know that if you are a more practical person than I am I must frustrate you terribly.  If that is the case and if I make you uncomfortable, don’t read me.  Don’t judge me.

Some posts I whine that I’m broke and don’t have enough for this or that, some posts I say how afraid I am of my current situation and some posts I tell you what a great deal I just got on something.  ;-)

I know that I don’t always make the best choices.  I am trying to get through this Chapter 13 and have a life that is not all penny scrimping all the time!   I hope I won’t be sorry someday.  I hope I can make it through this my own peculiar way.

I know my decisions don’t make sense to a lot of people, but it is my world, my blog and my Chapter 13.  I am navigating it the best way I know.

So dear reader thank you for your support even if it goes against your grain and for reading and keeping me company during my journey.

I hope you come back often and find some value here.

sign_thumb2

My New (TO Me) Fitbit

 

Hello! 

Well, here we are in the middle of October.  Come on Father Time, keep ticking!  FASTER FATHER! How many people do you know wish their lives away as often as I do!?!

Just get me through the next 36 months without too much drama, that is all I ask!

Well…I would also like to stay healthy.

untitled

Speaking of healthy!  I got a Fitbit!  I’ve wanted one forever!

IMG_8360

I bought it used from my new coworker for $50.00 and I’ve been wearing it for about a week. I love coworkers who chase technology so I can buy what they don’t want any more.  That’s how I got the iPad too!  Used!

The Fitbit tracks your walking by GPS and this  snapshot is my lake walk and my breaks during work.  (It looks like it recorded two lake walks on the same day, that is not right!.  I am not that energetic!  ;-0)

IMG_8361

It’s really helped me get back on track as far as walking goes.  Now I need to control my eating again.  Heavy sigh.  It tracks your calories in and out as well.

Great, the holidays are around the corner and I am trying to diet.

That is so not funny!  Do you have a Fitbit?

Have a great Monday!

sign

Pumpkin Patch 2014

This  will probably not happen again!   I took my kid to a pumpkin patch today.  I was in heaven, she was in… well, you know.

I am type from my pc at home, so here… lots of pics, self explanatory.   My keyboard drives me crazy… bare with me.  For every five words I type, I have to fix ten! 

It was warm, upper 70s, like that is cool for here!

 IMG_8305

Ugly birds!

IMG_8306 

My daughter actually rode these ponies when she was a baby! Waaaaaa!

IMG_8307

Pig Races!

IMG_8310

IMG_8311

IMG_8314

Look at the guy in the back, he must have money on it! ;-)

IMG_8318

Isn’t she cute!  She posed, just for me!!!! Um.. just for you!

IMG_8319

The only thing we bought there was kettle corn.  The pig races and the wagon ride were included in the ticket price of 15.00.

IMG_8320

We didn’t even buy a pumpkin!

IMG_8321

IMG_8337

This is the Wild West!

IMG_8338

IMG_8342

I took this today and my kid is going to paint it for me!

IMG_8343

IMG_8344

IMG_8345

I have never seen this done before.  Cool!

IMG_8348 

That was probably the last time I will get my girl to a pumpkin patch with me alone.

Hope you are enjoying your fall where ever you are!

xoxoxox

Debtgirl