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BIG Income Cut Approaching

May 17th, 2008 at 01:47 pm

My son graduates from high school in 3 weeks. According to the terms of my divorce decree, that is the point at which my child support will decrease. That means this is the last month I will get the amount of child support I have been used to receiving for 9 years ... $1,319. Beginning next month, I will be receiving $795, or a decrease of around 40%. Since I have only just begun to get a grip on my financial situation this year, I have not planned for this event. I'm starting to feel some fear!

I did get my car air conditioning problem repaired, although it might just be a temporary fix. I went with the mechanic who gave me the third opinion on the problem, because he actually took the time to LOOK for the real problem, his estimate was reasonable, and he actually seemed to be leveling with me honestly. The first mechanic told me to take the car to a dealership because he thought there was a problem with the car's computer and he did not have the proper equipment to diagnose/repair it. (I heard "computer" and equated that to $$$.) The second mechanic told me I needed a new evaporator core, which would necessitate removing the entire dash of the car, which would mean a charge of over $900 in labor alone! I decided to get a third opinion because the first two were different, and I couldn't see spending my entire baby EF only to find the evaporator core or computer was not the problem to begin with! The third mechanic, after spending a LOT of time looking, found a wire that wasn't connecting to the compressor, or to something else connected to the compressor. He also added freon because it was low. Why do I say this might be a temporary fix? Because I might have a leak somewhere in the system, since the freon level was low ... it might be a slooooow leak, or I might find myself back in the shop in a couple of weeks with no A/C again. So far, so good (it's been just over a week), so I am hopeful that IF I do have a leak, it will be one of those slooooow ones.

It just seems like it's always something, you know? At least I had my stimulus money this time, so I was able to use that for my repair bill and I didn't have to dip in to my baby EF!

Car repairs, and a bad habit crept back in!

April 27th, 2008 at 04:58 pm

I haven't posted since the end of March, and now it's almost the end of April and time to tally up how much (or, more to the point, how little) I've paid down my credit cards! I still read the blogs here almost every day, but I just don't seem to have much to post on a daily basis.

The bad habit I refer to in the title of this entry is not writing down what I spend each day. I did great for the first 3.5 months of the year, but I looked at my expense notebook earlier and noticed it's been two weeks since I wrote anything down! Shame on me! I've had to do quite a bit of spending in that two weeks, too; mainly for clothes. I officially reached my goal weight today at my Weight Watchers weigh-in, and I have had to buy some new clothes for myself (still have more I need to buy also, but that will have to happen slowly). I also had to buy some new clothes for my 18-year-old son; not only did he need some shorts and T-shirts for summer, but he needed some khaki slacks and dress shirts for the national DECA competition he's participating in right now in Atlanta.

I've also had to shell out some cash (from my emergency fund) for repairs to my son's car, and am going to need to shell out a LOT more in the very near future to get the air conditioner in my car fixed. I'm putting that off as long as I can, but it's amazing I've gone almost 3 weeks without A/C at this time of year here in North Texas! We even got a cool front last night, so it's been quite pleasant driving my car today. It helps that I park in a large parking garage at work, so I don't have to get into a HOT car at the end of the day, and my drive home is only about 8 miles. In the morning it hasn't been an issue. I don't normally go out at lunch since I bring my lunch pretty much every day. But there's no way I'm going without A/C through the 100+ degree temps we get here quite regularly every summer! When the A/C first stopped working (it blows hot air) I hoped I just needed some freon, so I took it to the place I take it for oil changes. The mechanic there checked it out and told me he thought it was a computer issue and I'd need to take it to a GM dealership. (Sounds very expensive!) A week later I decided to drop it off at a garage across the street from my office; they get a lot of business from people that work where I do, so they told me they wouldn't charge me a diagnostic fee ... what did I have to lose? Well, the mechanic there told me I'd need a new evaporator core (I think?) and gave me an estimate of almost $1300 ... OUCH!! After they told me that, they took $100 off the estimate, so it's now ONLY $1200. Still more than I want to spend and pretty much wipes out my emergency fund!! Having gotten two different diagnoses of the problem doesn't bring me great comfort, either ... so now I'm looking to get a third opinion! I absolutely despise dealing with car issues.

The deal with my son's car is even more frustrating. My ex-husband and I are going to be taking the mechanics that worked on my son's car to small claims court in the very near future. I have to get all the paperwork done and filed, since the car is in my name (my old car), and then we'll get a court date. Hopefully we (me, my son, and my ex) will get some of the thousands of dollars we've poured into that car back!

The good news is that I've gotten a $10 gift card from MyPoints, so I put $10 into my challenge for that. I also got a $10 award check from Opinion Outpost, which went into the challenge. There have also been some grocery savings I added, so my total to date is $172.07. I need to update the amounts in my sidebar now! Smile