Wooohooo! “PAID IN FULL”


These have to be my 3 favorite words now! Thanks to the Dave Ramsey plan and the debt snowball I have now paid my two smallest debts. This morning I got an email from Best Buy telling me their received my $1281.31 payment and I now have a $0 balance. I have since closed the account and look forward to applying anything we have towards CitiBank… no matter how small. I will even be sending them my $3 check from doing a Buzzback survey.

I can understand why Dave says to ignore the math and tackle the smallest debts, not the highest interest rates first. It really feels amazing to have these little guys gone, even if I had 0 interest on one, and less than $1 interest on Best Buy. Sure it would make more sense to start paying off my van, which slams us with the highest amount of interest compared to these little guys, just because the balance is higher, not the rate… but we won’t see results quite as fast with it. Seriously, I would much rather be able to say that I have paid off 6 things, than saying we have paid off one thing that is 50% of our total debt. Woohoo, we are 9.1% closer to being 100% debt free!!

I would like to be between 50-60% towards completion by this time next year. Wouldn’t that feel amazing??



I am broken


So I wrote a little over a week ago that I had a double ear infection and they had me on 60 pills to clear it up. I guess what I failed to mention is that they were 60 amoxicillin pills. The significance of that is that I have a nasty little penicillin allergy that I told both the nurse and the pharmacist that did not seem to phase them. I figured they must know better than I do and wanted relief from ear pain so I happily started popping the evil little pills. Forty-six pills into my 10 day regimen I got out of the shower and noticed red bumps all over my abdomen. I called the doctor and spoke with an MA and explained I was having an allergic reaction and needed to be seen, so told me to come in to see the doctor in the morning, but whatever I do, DO NOT quit taking my antibiotic.

Eight AM the next morning I am sitting in the doctor’s office filling out my new insurance information itching from head to toe… literally. I look like I had a fight with a swarm of bees and lost. Every part of my body is spotty, even my palms. Now I am not sure if I accidentally misspoke and said it was “erethromycin” but I am pretty sure my doctor was incorrect when she said that the penicillin and amoxicillin are in different drug classes. Needless to say I am now on a low dose of prednisone which is making my life a living hell. I am constantly starving, exhausted, and just feeling run down. If that is not bad enough, the fluid behind my ears was not even gone yet so I get to take Zyrtec to help clear that up and those pills knock me on my hind end, even if I take them before bedtime…. and I *still* itch, though the spots are slowly fading.

I also saw my rheumatologist this week, she was not quite as positive as last time. My repeat blood work came back abnormal, my ANA was 1:320, with my RNP being 1:128. What does this mean?? Well for now it means nothing. It means we wait, and watch for any signs of persistent joint pain or swelling. It means I *could* later develop Lupus, or a Mixed Connective Tissue Disease, or it could just mean I have odd blood results that mean absolutely nothing.

In the meantime I will get to visit my Rheummy every 4 months and get lots and lots of repeat blood work. I also am going to be taking some steps to start getting healthier now, just in case I do have problems in the future when it will be harder to go to the gym. I. Am. Tired.



Chick-fil-A busted my van window! (But I still love them)


So the 25th was a particular windy day, gorgeous and warm, but very windy. My friend Tracie and I had taken the kids (half of mine and her two) to Chick-fil-A because not only do they have yummy foods and healthy choices, but they have an awesome indoor play area that Matthew loves to pretend is his “tree-house home”. Matthew and Tracie’s oldest daughter were playing inside the play area, and Tracie and I are chatting while our babies shove food in their faces faster than we can break it apart. Sophie’s gaping maw had already hoovered down a chicken strip, two potato slices, 2 pieces of mandarin orange, a slice of apple, three grapes, a strawberry and two heaping spoonfuls of chicken noodle soup (without the soup) that contained carrots, celery, noodles, and chicken. She was happily sucking on a saltine cracker when an employee started asking anyone if they drove a blue Honda. Well, at home I have a dark blue Honda Civic, so when he came to our table I said no… my Honda Odyssey seems more of a silver to me (technically the color is “Slate Green Metallic” but it does not look green at all to me). So when he gets to the next table and asks them if they drive a “Blue Honda minivan I start to think maybe he is talking about me…. and he was.

Seems that he was trying to move, repair, or remove a sign when the wind took it for a ride, sending one of the stakes flying into my windshield of my 1-year-old minivan.

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Of course everyone was super professional and the manager came over to apologize. I got a stack of free meals and free ice cream for everyone. They assured me that the damage would be fixed by their insurance company and thanked me for being so cool. Of course why wouldn’t I be?? It was not their fault, it was just a window, and no one was hurt.

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The easiest way to fix the damage was just to replace it myself and submit the forms to their insurance company who called me the next day. They would have gladly done the work and paid for it themselves, but I was in a rush for the replacement, but not so much the funds now that we are on the Dave Ramsey plan. So bright and early the next morning I got a pretty new windshield. And since my van could not fit into the garage without and have the doors still accessible, it was a great excuse to rally the kids and get their help re-organizing the garage they had just been paid to clean.

I just got the paperwork notarized and will be mailing it to C-f-A’s insurance company in the morning, and I should have my money back in a week or two. The overall experience has been quite pleasant and I joked that Colorado is bad on cars and in the first year of ownership the Civic had already been painted twice… first because of a wind/sand storm that pitted all my paint and glass. The second time because of hail.

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I just hope that Northern Virginia is nicer on my poor cars!!

I forgot the very best part… So when I picked up Austin (age 12) from school, I told him how it happened. Well he suddenly fell very quiet, serious and deep in thought. Finally, when we got home he looked it over a few times and said…”what I don’t get mom, is why they would use steaks to hold up a sign, I mean is steak even heavy enough to hold down a sign, and how did a hunk of meat break your window….?” When I finally caught my breath from laughing so hard, all I could say between fits of laughter was “Austin…. STAKES…. like tent stakes” to which her responded the word he is most famous for.

“Oh”