Me vs. The Machine

If you follow me (me, not DDA) on Facebook, you've been enduring my latest rants against my computer.

I have had the same work laptop for three years.  Every morning, as I walk into my office, I walk on a bridge that goes over four (or six?) railway lines.  I've really wanted to *accidentally* drop this computer off the bridge the last few months and let Norfolk Southern smash it to bits.
 
Now, you need to understand, in the real world, a three year old laptop would be outdated, but still fairly functional.

Not government laptops.

We buy outdated laptops and then uninstall any program created in the last 15 years.

Seriously, we should just carry these...


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Our computers are about as efficient.

The warranty on my laptop ran out last week. 

Ironic.

I'm fairly computer literate, so last Tuesday when my wireless capability all of the sudden was disabled, I thought, "No big deal.  I got this."  And after three hours on the phone with an IT guy (and I call him that loosely) who "fixed" my computer...I got this:

Dun...dun..dun...  THE BLUE SCREEN OF DEATH

Then Wednesday, in the middle of critical tax law research (fun! fun!) my cd/dvd rom drive decides it's not going to work...at all.  It wouldn't even read a Jason Aldean cd.   Tragic, I know.

So, after another phone call to IT, they overnight me a replacement cd/dvd drive...but no tools with which to actually replace the drive.  So after my feeble attempts with a steak knife, glasses screwdriver, and surgical scissors (don't ask), on Friday, I end up spending an hour in the office of one the best computer geeks I know just to perform what should be a fairly routine procedure.  And it ends up like this...


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 (Ok, a bit of an exaggeration, but still, it was in more pieces than it should be.) 

And today, after spending another two hours on the phone with IT, and finally getting all of my computer issues resolved, I was informed I was getting a replacement computer

Yes, this is an actual picture of my actual computer in my actual trashcan.

You think that information would've been relevant LAST WEEK!!!!

Funding Your Emergency Fund

If you're just starting FPU, your first "baby step" is to fund your emergency fund with $1000.  (This is so you don't add to your debt, while paying down debt.)

When we first started FPU, saving $1000 seemed almost impossible.  While $1000 is not life-changing, it's nothing to sneeze at either.  If we could save $1000 in a month, why would we be in debt?  I thought it would take us 2 or 3 months to fund our emergency fund.

So, I was shocked when we were able to raise $1000 in less than a month.  I know...in a matter of 4 weeks!!  And this is how we did it...

1.  We held a yard sale.

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Now, I am not a fan of yard sales.  Holding or going.  As much as I love saving, I hate haggling and being haggled with.  So I piggybacked.  One of our friends held a yardsale.  I took my stuff over, let them price and sell it.  I had zero stress and just got to pick up the cash.

2.  We sold excess furniture online.

Look around your house and I bet you can find at least two pieces of unused furniture that are in fairly nice enough condition to sell.  I was shocked when I listed a coffee table, end tables, and a dining room set on Craigslist and they all sold.  (It does help to be in a college town.)

3.  I sold everything I could on ebay.

I love purses.  (Before I collected shoes, I collected purses.)  I sold at least half my collection on eBay.  Along with candles, decorations, cookbooks, luggage, makeup, kitchen items...

Anything still in the box, with tags, or unopened, got sold. 

4.  We paid the minimum payment on EVERYthing.

This was the hardest for us.  We had always paid extra on everything.  (And yet, still grew deeper in debt.  Bad math, I know.)  We cut all our payments back to just the minimum and banked the difference.  Including our credit card.  It still turns my stomack to think about.

5.  We cut our variable expenses by half.

Heard of the rice & beans budget?  That is what you're supposed to live off while you're getting out of debt.  The first month, we just had the "rice budget."  I'll admit it, we ate ramen for dinner more than once.  We spent $0 on groceries other than absolute bare necesseties like milk.  The rest, went into savings.

These are only 5 options, I didn't even touch on second jobs, consulting income, etc.   $1000 can seem daunting, but it's doable.  And there is a direct corellation between your determination and your success. 

Hmm...maybe we should do it again...I could sure use some new shoes! 

Just kidding.





Maybe.

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One Classy Lady

We've talked about the importance of family...

We've talked about the importance of giving...

We've talked about the importance of loving..

Much of what I believe in how people should live and be treated has been ingrained in me since birth by my mother, grandmother, aunts, and leading ladies in my life.

One of those Leading Ladies was a woman named Wowo.

She wasn't my grandmother.  She was actually my cousin's grandmother.  But yet she always treated me like a granddaughter.  She had the biggest heart I know. 

When I was a small child, she would hide sticker sheets in her Bible and give them to me on Sunday nights after church.

When I was a teenager, I sat with her and her daughter Cathy almost every church service.  On the rare occassion I brought a boy to church, she'd even look the other way when we held hands. 

When I was a poor, broke newlywed, she'd invite me to Sunday lunch with her family and pick up the tab.

She was the first to welcome a vistor and loved practical jokes.

Wowo appreciated coordinated shoes & bags; and understood that a shopping trip, meant you need to go out of town to a really good mall.

On a church workday, she was the first to show up AND have a plan on how to get it all done. 

She would tell you "how it was" but with a smile on her face so you never felt dressed down.

She truly was the epitome of grace and class.  What every woman should strive to be when they grow up

Wowo graced Heaven's gates last night.  She will be sorely missed.  I've spent a better part of this evening looking through photos, crying, remembering, laughing...and editing this post furiously to attempt to do her justice.  It's almost midnight and I'm still not sure I've been able to convey what an amazing woman Wowo was. 

We love you, Wowo, and will miss you dearly!  I'm sure you're already organizing the robe closets in Heaven!  You leave behind some really big *coordinated* shoes to fill.

The Annual Softball Tournament

Mr. DDA is a badge wearing, hand cuff holding, pepper spray bearing, gun toting police officer.



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It creates a bit of a crazy, hectic, lifestyle in the DDA house.

Seven years ago, our local police department began the Law Enforcement Memorial Tournament.  It's a fun weekend for different departments to get together and honor their fallen friends.  The officers love it.

The spouses...not so much.

First of all, it's always in August.  And even if it's calling for 100% rain and a balmy 70 degrees, it's going to be 105...no matter what.  It's predestined.

Second of all, it's game after game after game...leaving us and our kids feeling like this...



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And lastly, even though it's a Law Enforcement tournament, it's just a matter of time till these guys show up...
   

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Yes, the rescue squad.

See, this tournament cannot happen without someone getting hurt.

We've had broken legs, ACL's snapped in half, pulled muscles, torn rotator cuffs...

I don't know why it happens, but it's like the 105 degree temps, it's predestined.

This year, I think the worst was someone threw their shoulder out.  My husband pulled a "hammy."  And after a box of Tylenol patches, an entire tube of Icy Hot, and at least one ace bandage, he's finally recovering.

He's certainly milked it for all it's worth.

Even though he got *hurt* (cough, cough) this year, I know he enjoyed the games he did get to play. 

Every year he says he's not going to play, but every year he does.   He can't resist. 

I don't know if it's the camaraderie or the competition.  And even though I dread the annual softball tournament, I wouldn't want him to miss it for the world.

It's the least we can do to remember those we've lost.



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Counting the Cost of a Big Move

Moving is never easy.

And usually, it’s never cheap.

I have a friend who is moving about 2 hours away from her current home and is facing just under $2,000 in moving expenses alone.

And that doesn’t take into account any of the new costs of living she will be facing in her new home.

At this rate and taking into account the extreme volatility of the current real estate market, she may not even make enough on the sale of her current home to cover the costs of her move.

My question is, are there actual ways to cut costs on moves (whether local or long distance)?

Is there any way to make it easier on your pocketbook if not your back?

Here are some things to take into account when budgeting for your moves that may help you save money in the long run.

1. Shop your ear off.

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There are a limited number of options for the average mover, but I wouldn’t leave any option off the table until I have learned the cost benefit to each option. 

U-Haul

Budget

2 Men and a Truck

1-800-Pack-Rat

Pods

They are all valid options.

Call around.  And I say call, because you can only find so much out on a website.

Find out the requirements, the benefits, the disadvantages and the limitations of each option. 

2. Coupons MAY apply.

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I don’t know about you, but once a week I get a stack of sale papers and yes – coupons – in my mailbox.  Most of these coupons and mailers are for local companies that provide just the kind of services you may be looking for. 

And don’t forget about your Val-Pak’s that you get once a month!  I can’t tell you how many times I have seen coupons for local businesses such as moving companies. 

If all else fails, check online for coupon codes to mention when you call in to each company.  You may be able to find a deal that you can’t walk away from.

3. Be Willing to Do Some of the Heavy Lifting

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You can save yourself a heck of a lot of money if you are willing to do some of the stacking and loading yourself.  Not to mention the fact that you control what goes where – meaning your grandmother’s china won’t end up under 3 boxes full of college yearbooks. 

And if you go with the option of Pack-Rat or Pod’s, you have the luxury of packing at your leisure.  No 1-day rush to get it all in, out, and off.

Which your back will probably thank you for a week after your move is over.

4. Consider the tip.

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If you choose to go with a moving company – actual people moving your stuff in and out of homes – you need to account for tipping the poor people whose backs you are breaking.  Most of the time that cost isn’t thought of until that day and suddenly you’re running to the nearest ATM and digging out whatever cash you can lay your hands on so that your helpful movers don’t end up breaking your Aunt Bernice’s antique glassware or spitting on your favorite sofa out of spite. 

Take that into account when you are budgeting IN ADVANCE of your move, and plan accordingly.

5. Gasoline Surcharges

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Gas is expensive.

That's no secret.

And no matter which option you choose, you will need to take gas rates into account. 

Whether you opt to rent a U-Haul or send your stuff across 8 states by way of a crane, gas rates are going to affect you. 

Obviously, since the rates change almost daily, it is difficult to predict the actual amount you will pay, but consider the time of year and location of your move as well as the local average gas rates to prepare yourself.

You don’t want to end up with sticker shock at the “fuel surcharge” line for your move.

Overall, moving expenses are probably going to leave you feeling a little woozy, but preparation and knowing you got the best bang for your buck may hold your feet on solid ground for a little longer.

Jason Aldean - Need I Say More?

If you know me at all, you know I love a lot of people and things.  I've talked about all of them on this blog - except one.  And to get to know me, you have to know this about me.

I try to keep it in the closet.  I like to come off as polished and professional.  And not at all the country bumpkin I was raised.  But there are very few priorities in my life that I am absolutely passionate about:

1.  My husband & kids
2.  My family
3.  My church
4.  My friends
5.  Jason Aldean

I should have been in the music industry.  Not as a singer.  Ugh.  I'm horrible.  But like a music manager or something.  I can pick the winners from the beginning.  I've always known who was going to make it and who wasn't.

And I picked him...



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 I saw him at a teeny tiny country fair when he had one single out and no one hardly cheered till he covered Guns 'N Roses and Sweet Home Alabama.  I was there on business and we stayed in the same hotel.  A Comfort Inn.  (Doubt he's staying in too many of those lately.)

I'm sorry - can we just stare at the picture for a minute?

Ok...back to the blog.

He became my favorite - which was a big deal for someone who did not listen to country music.  In fact, I detested country music. 

In the past five years, I've seen Jason Aldean more times than I can count.  (Really, I have lost count.)  And I don't even attempt to add up the money I've spent on tickets & gas to his concerts.  (I could have probably bought my Christian Louboutin's with that money.)

But I love the artists when they're brand new and they'll sign autographs for hours.  They're thrilled when they're recognized in Walmart. 

He's a big boy now.  Selling out arenas and amphitheaters once reserved for only the biggest names in the music industry.

So proud, but kinda sad.  Like how I felt about watching my big boy going to preschool today.  (Yes, this is a shameless plug to show off my kiddo.)

Jason Aldean single handedly turned me back on to country music.

And empty's my wallet twice a year!

If you ask anyone who knows me what's on my iPod - they're going to say Jason.  All four albums. 

Just thought I'd let you in on my secret.