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Just more Busy Busy - some Financial

May 23rd, 2007 at 07:33 am

I kind of laugh at myself reading some of the blogs because I pride myself on being a simple person and leading a simpler lifestyle (I guess in comparison to city folk). But I guess you have to keep in mind is I am usually a go go go person, and I have REALLY slowed down since having kids. Then again, maybe it is the kids that make life crazy. I don't know. But I think back to the days I worked and had school from 6am to 10pm and you know, these days are simple if you ask me. Wink

It is also funny because I ran to my friend at preschool the other day and told her that things were slowing down but BM was in karate and I just started aerobics, and all our evening are tied up, and she called me a soccer mom or something. Oy Vey! I think I took offense to it - LOL. But after karate class BM and I sat and watched the ducks at the pond for a good 1/2 hour. I thought soccer moms don't this. I need down time too much I guess. Wink I don't want to push my kids. Though I guess my problem, which I get from my dad, is I want my kids to experience everything there is to life. Honestly I want my kids to take piano lessons, and BM to continue karate if he likes, I want to take him roller skating and bowling on the weekends, all the stuff my parents exposed me to. But it is all to overwhelming all at once. One thing at a time I guess. I am sure at some point it could be translated into the crazy soccer mom lifestyle I imagine, but overall I just want the kids to know there is much out there. & frankly I wish there was enough hours in the day to have 1000 hobbies, but I realize there isn't. I am content with aerobics class for now as raising kids takes 99% of my time. Wink

Anyway, in financial news I now make enough money to qualify for $4k/month disability benefits through my professional association. Awesome Possum since I have been using this as a benchmark for our basic expenses. So I will up it from $3500. IT is only like $200/year premium. I keep hearing how disability is so expensive and so I wonder if this is another one where being young paid off. OF course then I wonder if I should have locked it in in our 20s. For now it is such a good rate though and I am already 30, I Am sticking with it. Though I will start shopping around, would be willing to pay a bit more to lock in a rate for 30 years or something. I could kick myself for not doing that in my 20s. Our life insurance was an incredible deal since we locked in the rates while young and healthy. Then again it is such a bargain through my association. Decisions decisions.

I also tried to up my credit limit online on the citi card (like I want to call them and sit through their high pressure sales tactics - could I call a credit company without a protection package spiel - oy very - Chase has been super obnoxious and Citi doesn't seem much better. Now I do not need protection in case of loss of work - that is what my efund is for!!!!). Anyway, they denied me because I was a new customer, but I tried for dh too on a whim that maybe he had been a customer of Citi before. Well, lahdedah, I just got an e-mail that they approved him a $4k credit line increase just by simply asking online, a couple of weeks after he applied for the card originally. It means we have $16k to BT fee-free between the 2 of us. I am happy. Means around a $500 return - much more worthwhile now. I will call and ask - with my credit score I really can't say they would say no - we don't have much credit to our names overall and I have been reading some people just called and got $25k. That's what I want - LOL. Well, I'll try, inconvenience and all.

I also applied for the WAMU card out of curiosity. Plus it was cute. Wink LOL. They gave me $6k I think - and are transferring it to my Citi Card where I can online request a refund of the credit balance! This BT had a $75 fee and mostly I just wanted to try it out. I am lucky they gave me $6k. If they gave me much less I am not sure I could even come out ahead - but the BT 0% rate is for around 14 months... I now see why Citi is such a good deal, because you can utilize the BT later after you ask for a bigger limit. I knew WAMU wasn't the best deal, but offset against the others, it will up our returns a bit. mostly I wanted to experiment with the whole process. Though it would be FAR easier to just have one card with $25k or something. But I like paying bills and paying with Quicken, and for the first time, will set all these up to pay automatically anyway (keeping a close eye). I think it won't be so bad - just have to be organized and remember when each needs to be repaid in full. So I'll keep you updated!

Today I am meeting some girlfriends for lunch. IT has been too busy but finally just said screw it. I need a life - LOL. & I also have a movie night with my mom's group the week after the cruise. It seems during tax season all the working moms dropped off the face of the earth, but hoping if I host an event or 2 maybe we can move forward. Just happy I can make an event. They have been having a lot of marykay and tupperware parties - blech! I just want a nice cheap playdate for my kids - not be sold crap. & then they are always pushing for pricey weeknight dinners which many of us can't afford. Someone had the suggestion that we meet for a lunch on a weekend - now that I could jive with! We just don't do dinners except that is the ONLY time we can generally find babysitting - but saving big pricey dinners for dates with my hubby myself. Wink

Which reminds me my cruise is in less than 3 weeks!!!!!!! I thought it was 4 weeks away. I am so happy though lord knows where my passport is. Keeping my fingers crossed I get it in time - oy vey. Now I Read that an expired one would suffice just dandy. But I mailed it off to the terribly slow passport agency. Worst case I guess is I can drive to SF the week before and demand my old one back or something - LOL. I just do not like things last minute and mail has been awfully slow so I am terribly antsy about it. I should have lied and said my trip was much sooner - silly me. But I wanted to be fair to the last-minute applyers. *sigh*

Oh yeah, and I have bunco tonight. I felt silly when I realized - meeting my friend for lunch and will see her at bunco tonight too - but it has been too long. Nice to be getting a semblance of a life back - phew. THough lunch and bunco is not cheap either. Wink

Send me money vibes - win win win!!!!

Oh yeah, I am still planning to do Kiva, and maybe Prosper. Kiva soon, like this month. Prosper, I will probably wait until I get my efund to where I want it - plus some ROTH conversions. So maybe in December or next January.... All things on the back burner for right this moment but I want to get to!

2 Responses to “Just more Busy Busy - some Financial”

  1. LuckyRobin Says:

    Hey, I'm a soccer mom (and a baseball, basketball and volleyball mom) and I still take the time to watch the ducks with the kids at the pond. Well, actually in our case it is the bald eagles and red-tailed hawks at the river, but its still a valid point. Just cuz you're a soccer mom doesn't mean you don't take the time for nature stuff. Oh, and I'm not mad or offended, just saying.

  2. monkeymama Says:

    No but she used it in a way to imply that I am way too busy - not that my kids are in soccer - LOL. I think it's been coined a term for the parents who put their kids in WAY too many activities - is all I mean. Wink

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