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COVID-19 Pt. 3

March 29th, 2020 at 01:15 am

I worked a 12 hour shift at the hospital today. 🏥 Every time I work there seems to be another added layer of protection. In the lobby they stop all employees. 🛑 We have our temperature taken & are given a mask to wear. 😷 🌡 They also give us a meal ticket for the cafeteria. 🎫

My event tickets for my canceled trip to Montreal will be defunded. 🇨🇦 That should be about $1k. Also, I bought trip insurance for my flight so that will be refunded. ✈️ I plan on putting the money toward my debt. I bought insurance for my trip to Switzerland, we’ll see how much it actually covers if Switzerland is still closed to travel. 🇨🇭

COVID-19 Pt.2

March 26th, 2020 at 07:50 pm

Yes, same subject...part 2.

Random thoughts & updates in no particular order of importance:

1. My state has the fastest growing rate of infection in the country. Mardi Gras really increased the infection rate exponentially.

2. Still working both jobs as an essential health care professional.

3. Schools closed for 4 weeks under an order from the governor until April 13th.

4. Stay at home order began at 5 p.m. this past Monday.

5. I am quarantining myself from my parents for their safety.

6. I will get probably less than half of the stimulus money for singles if it all passes as is.

7. I am appreciative of 90 extra days to pay my federal taxes. I've heard no word about state taxes. I already contributed the max to my IRA for 2019 even though the 2019 deadline is now extended as well.

8. I had a trip to Montreal canceled & I predict that my trip to Switzerland in May will be canceled as well. Switzerland is being hit hard.

I hope all is well with you. I pray that you & your loved ones stay healthy and unaffected by this virus. I haven't been here as much. I find myself consumed with watching & following the news on social media. I should probably take a break.

COVID-19

March 14th, 2020 at 03:37 pm

I know everyone is tired of hearing about COVID-19, especially us health care professionals, but it affecting all aspects of life. This week my facility had the first positive patient in our state.

I was supposed to leave for Montreal tomorrow, but that trip (and the event I was traveling for) is now canceled. Also looking very iffy at the moment is my trip to Switzerland booked for May. It may be a blessing in disguise that I can stay home & focus on paying off debt rather than traveling.

I’m down nearly $200k in the market. Sure wish I had been sitting on some cash that I could have dumped in the market.

Sick Days

March 6th, 2020 at 01:59 pm

I am home sick, yesterday & today. Doctor says it’s allergies, but I feel whipped. Cough, chilly, achy, low energy. And now a runny nose I guess from the cough medicine breaking up the congestion. He gave me a steroid shot, prescribed cough medicine, and gave me a chest x-ray because I didn’t like the way my breathing sounded. After he examined me he sent me out to the waiting area with a mask. That got me a lot of wary looks. 😷

The Revealing

March 3rd, 2020 at 06:26 pm

So through a set of circumstances that my mom is calling divine intervention, almost the entirety of my debt was revealed to her. Of course I was...there is not a word that could accurately describe what I felt. My debt is definitely a source of shame & fear. Not fear in that I can’t pay it, but that it’s a cycle that I’ll never get out of.

So we had a discussion over the phone. She wanted to wait until later to talk since I was at work, but I hate that. When people have something serious to say to me I want to hear it now, not later. Anyway, after the discussion I went in & cut my TSP contributions down to the minimum I needed for my full match. That will put $600 more in my check before taxes. Once I finish paying off my TSP loan in July I’ll have another $250 a paycheck after taxes. Once I pay off my car I’ll have another $150 per paycheck, also after taxes of course. If I suspend my IRA contributions that’s another $500 a month.

I’m going to pull out my Dave Ramsey book & get serious. I may even take the course offered at church. I’m tired of this debt yo-yo & I’m going to nip it in the bud once & for all.

My mom asked me about my travel & will take the next 2 trips that I have scheduled. After that I’m on hiatus. It will be hard to pass up trips with my friends, but I’m so determined to do this. Also, I think my mom is somewhat in shock & I’d like her to not worry. She says that she isn’t, but like me, she’s a worrier by nature.

Upcoming Trip

March 1st, 2020 at 03:50 pm

I have a trip planned to Montreal. I leave in exactly 2 weeks. I’m not sure what will happen in the next 2 weeks, but I am still planning on going. I actually started packing yesterday as I was thinking of how busy the next 2 weeks will be for me. For some reason I couldn’t find my hand sanitizers yesterday, but it just dawned on me where they are. I always bring liquid hand soap as well as I prefer it to those little hotel bar soaps - also it’s more hygienic.

I am preparing for the coronavirus like I prepare for hurricane season except this time we’ll still have power. That’s a huge bonus! I have a lot of beans in my cabinet so I’m going to pick up some rice. I’ll also pick up some peanut butter, canned fruits, & frozen veggies. I work in health care so I will continue to go to work unless I get sick myself. I stay well stocked on toiletries so no need to stock up there. I think I’m all set whatever comes.

Sam’s Club

February 29th, 2020 at 11:21 pm

I bough a very inexpensive Sam’s Club membership through my work, though I only seem to make it there once or twice a year. Last night I picked up toilet tissue (will last me about a year) and some non-perishable food items. I also need a new comforter as mine is torn. I bought it about 14 years ago at TJ Maxx & loved it. I found a comforter for $29.98, but it was all white which is a definite no for me. They look beautiful, but any little thing getting on it would require a cleaning. I then I found a 3 piece sage set for $49.98, but decided to hold off. I was thinking of maybe trying Dillard’s as I have $70 in gift cards, but Macy’s is where I usually shop so I browsed their app today & found a 3 piece set that I really like for only $19.99. I have gold status at Macy’s so all my orders ship to my home for free. I love a great deal!

Stock Market

February 29th, 2020 at 09:25 pm

My investments updated today & I am down more than $100k from recent highs. Oh well, I’m staying the course through all the ups & downs. I sent an IRA contribution in last Friday & I wish that I had sent it in this Friday. But you never know what will happen & can’t time the market.

EBay

February 29th, 2020 at 09:19 pm

Spent the morning listing my tea towels on EBay. Hopefully will make a few sales. Have not yet listed and candles of FB Marketplace, but one step at a time. I am serious about decluttering in 2020!

Taxes Completed

February 11th, 2020 at 05:05 pm

My dad ran my numbers today at H&R Block & I owe a little less in federal taxes than last year. I owe the state $1 more than last year. I take 0 exemptions. I have already increased my withholding so hopefully I won't owe again next year. I think 2013 was the last year that I got a refund. I'm not sending my check off until the first week in April. I have until May to pay the state, but it's not much.

This is definitely good motivation to get my Facebook Marketplace & eBay sales going!

Facebook Marketplace

February 8th, 2020 at 05:03 pm

Does anyone here sell items on Facebook? I have had a real urge to declutter my home. I have given away closets of clothes, but for things that I have not used like candles I’d like to get some of my money back. I have a ton of Yankee & B&BW candles. 🕯

What has your experiences been selling on Marketplace?

Taxes Not Filed Yet

February 8th, 2020 at 02:17 am

I think I have everything I need to file my taxes, but I’m in no hurry. I figure I will owe taxes yet again so there’s no rush.

There’s a little job uncertainty at my place of employment. Nothing that will affect me in the short-term & it could change, but it has me thinking of other opportunities. I’m single with no kids, so I have a lot of mobility if need be.