Posts Tagged ‘Money’

Bank Account Cleaned Out

Sunday, January 17th, 2010

We rented a car for our road trip. Our old car simply wasn’t safe and we had no money to fix it up. So we sold that one for scrap and rented a nice, little 2009 Chevy Aveo for the trip down for $159 a week from Enterprise Rent-A-Car in Grand Rapids, MI.

Seemed pretty reasonable for a really nice car.

First snag, when Matt called and offered us a place to live in Texas, we called Enterprise and asked to take the car to Texas. They wanted us to drive all the way back to Michigan, negotiate a new contract and then drive to Texas. Never mind that the car had Georgia plates, registration, and insurance. Michigan.

24 hours later, despite being told we’d get an answer before they closed, they finally relented and we left for Texas.

They decided once we were in Dallas that we could drop the car off at any local Enterprise instead of driving the car off to Michigan. Now, here’s where things get fishy. My grandparents (Poppa and Sheba) have been meddling this whole time. Despite ignoring us or downright abusing us, they’re suddenly worried. They’re apparently talking to the car rental company. I don’t know if I should blame them for what followed or not. I am angry that the car company actually talked to them in the first place. Either way, first quote was $400 to drop the car off, but when we called to arrange it, it was only $75.

We dropped the car off January 7th at the Enterprise in Wylie TX. Strangely, we didn’t have enough money in our bank account to afford the $75. Sandy, Matt’s Mom, helped us pay it. We figured we could pay her back this past Friday.

Wednesday, the 13th, we get a call from the bank saying we’re overdrawn. However, their computers are down so they can’t tell us anything else.

The 14th, we call back and find out we’re not only overdrawn, but we’re overdrawn by $800. Frustrating, but not that surprising. This has been a brutal couple months.

Friday, the 15th, Sandy calls us first thing in the morning. Her debit card was charged $400 by Enterprise without her consent. We spent most of the day on the phone trying to iron that out. They claim they can’t refund her directly but it’ll go to our account.

Sandy calls her bank to ask that they deny any further charges from Enterprise and they tell her they’ve had numerous complaints about Enterprise continuing to charge after the car has been returned.

So now we’re waiting until Monday for a manager to come in.

I transferred my payments for my WoW account to my college refund card, only to discover I only have $10 on it. I put $21 on it, but it’ll be Monday before it posts. So looks like I’ll be missing the raid tonight.

If you ever rent a vehicle from Enterprise, watch your bank or credit account closely. Make sure you get an actual receipt and get everything in writing.

On the bright side, Matt bought Dragon Age Origins yesterday and he plans to play WoW all day. So his brand new PS3 is sitting all lonely and neglected. I think I’ll fix that! ^_~

Still Nothing

Monday, December 21st, 2009

Friday night, Richmond was buried under roughly 20 inches of snow and promptly shut down for the rest of the weekend. We found ourselves trapped at the hotel for the weekend, which has put us behind… majorly behind.

We’re running out of money fast and have no jobs to show for it. We’re trying to stay positive, but it’s difficult. It’s scary!

So far, no one wants to help us. It’s either homeless shelter or find a job before any agency will.

I’m beginning to think I should have chosen Texas. Unfortunately, I know even less about Texas than I do about Virginia. At the same time, I’ve had the opportunity to apply to so many jobs and have handed out so many resumes, the laws of the universe dictate that as soon as I leave, I’ll get a call. There’s not much in Michigan to return to, but one of our old neighbors said we could live in their basement if necessary.

Either way, we’re going to have to decide within the next day or so: return to Michigan, stay put, or try another region.

Hanging On

Thursday, December 17th, 2009

Pounded the pavement all yesterday, most of the mall stores aren’t going to be doing any hiring until they see what their holiday sales look like. Trying really hard not to let that bother me or the number of times I got sized up. The big box and other stores said they’d get back to us by early next week.

I don’t remember all the places I dropped applications or resumes off too. Kind of face-palming over that. So far, I’ve only heard back from Sears, who politely said I wasn’t a good fit. Tomorrow I’m going to drop my resume off with some local headhunters, see what they say.

I honestly don’t think finding employment is going to be an issue. There’s also a really neat program to help first-time home owners get a loan and everything.

It’s temporary housing that’s proving difficult.

We’ve been calling as many organizations as we can for help, but most want us to have a job first. The others offer to place us in a homeless shelter, but our girls won’t be able to come. We can’t afford to stay in this hotel indefinitely.

Luna is alternately awesome and puzzling. She’s acting up, which means she’s not too welcome despite being my assistance dog. She’s acting too much like a pet. But she panics if she’s left alone in the hotel room. I’m not sure what to do. I can’t find any visible injuries, but I can’t afford to take her to the vet either. Right now, we have to take her with us and leave her in the car. But that’s not going to work when we find jobs.

The kitties are just amazing. I can’t get over how adaptable they are. Wish they’d pass a little of that on to Luna.

I asked mom to give me a little more time, see if anything pans out next week.

Grandma is making things even more confusing. She actually talked to me over the phone and she wasn’t a witch. She’s been giving us advice and seems genuinely worried about us. I don’t know what to make of that either. We’re talking even more about continuing south and going to Florida. I can’t believe we’re considering that!

I just know I really don’t want to go back to Michigan. Poppa called our cell yesterday morning and got me instead of mom. Instant hostility. Talking with him just those few seconds sapped me of energy and confidence.

I need distance. A lot of it.

Second Thoughts the Other Way

Wednesday, December 2nd, 2009

Okay, now we have second thoughts the other way. Mom called one of the affordable apartments near us and while they’d be cool with the girls, they require all tenants to be making at least $1700 a month. Totally lets us out.

Mom called our DHS case worker to inquire about Section 8 Housing, course, the state screwed up DHS so it’ll probably be… oh, friday… before she gets back with us.

Which took us back the other way, back towards leaving again. Either way, we’re going to be homeless for a bit.

I found a few entry level web development jobs I could do, but will they take me is the question. I’m completely clueless about cover letters in the first place, let along crafting one to convince people to consider me when I’m not even there yet.

One is, awesomely enough, with the World Wildlife Federation and the other is for a yacht company. I can do everything both ask, though I’ve only dabbled with ASP. (I can make it say “Hello World” and some other basic newbie stuff.)

*eyes Echo snoozing in the armchair* I don’t think so! Mom did her best dragon impression ever last night, remember? You are sleeping tonight!

Second Thoughts

Wednesday, December 2nd, 2009

We’re starting to have second thoughts about going down to Richmond. Granted, we got almost no sleep last night, so this might just be exhaustion talking.

Trying to find safe, affordable, pet-friendly hotels is proving difficult and we’re realizing this isn’t going to save us as much money as we thought.

This morning, Mom actually suggested that we see if we can rent a room from Neil and his brothers. No offense Mom, but last time Neil and his brothers came over, I found them downright creepy. I know I used to be good friends with them, but that was 12 years ago.

I suggested that we just move outright, get me and the girls down there and then immediately return for our things. At this point, I could be convinced to part with everything but the essentials.

Truth be told, we’re scared. Very scared.

I started looking at Section 8 housing in the Grand Rapids, MI area, but a lot of them only allow dogs up to 25 – 35 lbs.

I know the “hows” always present themselves, but I’m starting to feel like I’m caught between a rock and a hard place. I just wish someone would tell me what to do.

Obama Health Care Reform: I want details!

Monday, August 17th, 2009

I have to give President Obama credit, he’s gotten everyone talking about the state of American health care. And that’s a good thing. Our health care system is very broken and it does need a lot of work.

However, I’m one of the many Americans who have doubts about the President’s plan. It all sounds way too much like a disingenuous line we might hear from a campaign, rather than a plan. It all sounds very romantic and pretty, but with precious few details about how the plan is going to be implemented. Basically, the super-privileged making policy for the rest of us and not considering the real world. Before I can ever think to consider this… I’d need some questions answered. Truthfully.

  1. How exactly is this going to be paid for? This isn’t going to be cheap. How exactly do you plan to cover all these people while still paying health care providers?
  2. Who decides who gets what? I’ve heard in several interviews statements like “[we] will have to buck up” and that we won’t be able to get tests and other procedures “a la carte.” But what about people like me who require specialized tests as a standard practice for the treatment of our medical condition? Every 120 days I have to undergo an HbA1c test to verify how well I’m controlling my blood glucose levels. Under the new health care reform, will I be able to get this? Should my mother have a heart attack am I going to be on the phone trying to convince some ill-informed bureaucrat that women can and do have heart attacks? Or is it going to be decided by my doctor?
  3. Require Health Care: Way to drive up costs more? Most of the states that require auto insurance enjoy some of the highest costs associated with it. Is the same going to happen once it’s required by law? Is having to pay for health care going to break working families? Unless we could get it for low cost, we’d be sunk having to pay yet another bill that we couldn’t get out of.
  4. Five Hour Waits! Art thou on the way? Suppose this plan passes… am I someday going to have to wait 5 hours if I’m forced to go to the Emergency room? Wait 6 months to 2 years to get a cancer screening? These are all realities in some countries with government-run health care.

I have to admit, I like the idea of coverage for everyone. I’ve been in the situation where I make too much for Medicaid, but too little to be able to afford health care. Right now, due to the economic conditions in Michigan, the Medicaid program only serves children and the disabled. Under the plan, we could probably get something. So I do appreciate the value. We aren’t looking for a handout. We’re not sitting around eating bon-bons and watching soap operas all day, wanting the state to support us. We’re looking for a chance.

However, until the disingenuous rhetoric dies down and we get some real details, I wouldn’t ever support this.

Michigan Could Reach 20% Unemployment

Thursday, May 14th, 2009

They had this interview with David Littman on the news yesterday and lets just say I’m more convinced than ever that relocating is probably the best idea at this point.  (Warning, this video is fairly long.)

The Economic Impact of the Auto Crisis on Michigan from Mackinac Center on Vimeo.

In a nutshell, Michigan unemployment could reach 20% by the end of the year.  Mr. Littman also touches on some of the policies he thinks contributed to Michigan’s failing economy.

All-in-all, it’s very frightening.

I’ve had the opinion for a while that Michigan has been mismanaged for decades; certain government policy sounds more like it came out of the 1970s.

A good chunk of our manufacturing supports or supported the automotive industry.  I remember some classmates back in High School saying they were skipping college because their parents could get them into their workplace… usually a factory supporting the automotive industry.  Back a few months ago (before the bailouts and talk of Chapter 11), one local commercial for GM trucks depicted romanticized views of people working on a farm with the tagline “There’s nothing like a classic.”

Why in the world has Michigan been allowed to remain stagnant?  We’ve been allowed to be nothing but manufacturing.  Many Michigan towns and cities only have one major employer, with larger ones having maybe 2 or 3.  Didn’t they ever ask what would happen if something happened to that employer?

Some of these employers paid ridiculous amounts of money for overly simple jobs.  But yet over and over, I see people who were completely unprepared for when they couldn’t be paid that much.

Few went to college with their money and if they did, they went for degrees with very little demand or chose a popular one that now has left the market for that degree saturated.  (Really, how many daycares and preschools does a town of 7000 need?)

Yeah, I need to move.  *hops off her soapbox*

Unexpected expense

Tuesday, February 13th, 2007

Oh, good. Just a couple more days and I’m done with speech class. Thank God! With luck, I should never have to attend another one. Don’t get me wrong, the class went fine. It’s the technology, the constant assignments, and everything else.

 

 

 

Today, I ended up having to burn $89 I was saving on one of my insulins (Lantus). I lost my medicaid on New Years day and to be honest, until today, I really didn’t mind. Medicaid was giving me nothing but grief anyway. But holy crap -! $89 God, burning that much money on such a tiny vial of liquid.

Y’know, world, a new pair of jeans would be nice, so would a pair of shoes. Maybe a new jacket, I’m wearing the same winter coat I did back when I was 18. Hey — here’s a revolutionary idea — howzabout a suit I could interview in? POOF. Insulin.

Yeah, I know… it’s stupid to be crying over this. I need insulin to survive. I can live without clothes. In another week or so, I should be getting a student refund check in the mail. I know this is just PMS making me feel all weird over something as stupid as this.

But now I just want to cry.

Blogorrhea

Friday, February 2nd, 2007

Still obsessed with Naruto.

Still very short on money, especially now that I have to pay for my insulin out of pocket. ^^;

Figured out how to add a few things into the site, namely program the deadline function for challenges.

Overall, nothing new to report.

Just kill me now

Wednesday, September 20th, 2006

My books for college just officially annihilated me. Forget for a moment my tuition, lab fees, and other expenses for a moment.

English 301
Book: $132

Public Speaking
Book: $81
Video Camera: $88

Intro to Perl/CGI
Book: $65

Advanced HTML
XML Book: $14
DHTML & CSS Book: $18

Total: $428.88

Please…. just kill me now. X_x

Seriously, the most reasonable book prices are for the classes I actually want to take. The rest are kind “meh” classes for me, but I need to pass them for my degree. Thankfully I have a hard time failing English and public speaking has never bothered me. (I’m not even sure why I need a video camera, but – oh well.)

Going to try to finish up one last eFiction modification before my classes resume tomorrow morning and then I’m poofing for a while.