Showing posts with label Christmas. Show all posts
Showing posts with label Christmas. Show all posts

Saturday, November 22, 2014

The Holiday Season

Another Holiday season is upon us and this year as the Frugal Diva, I am not prepared.  So, for me it is window bargain shopping.  But for you, it can be a great day to save.  As I have said before, I do not go and face the crowds on Black Friday, I hit the internet.  Yes, I will be window shopping on the internet.  So, here are my top 3 online bargain shopping sites:

Online

Overstock  www.overstock.com – I used to really love this site.  They advertise a lot more now.  The sad part is that when some sites become more popular, their prices go up, so I would take advantage of shopping here, but I would still pay attention to make sure that I am getting a good bargain.

No more rack  www.nomorerack.com  -  I love this site.  This site has everything, and you can get some great deals.  I have purchased some great quality items from this site.  

I Herb  www.iherb.com  -  If you are into health or you have friends who are health nuts this is the place to go and the prices are right.  They even have health supplements for pets.  Also, depending on how much you order, you can get free shipping.  If you want to make gift baskets or stocking stuffers for Christmas, and your friends or family are into health, this would be a great place to go. 

Now, I do venture out, after Black Friday.  And when I am in Frugal Diva mode, I am in gift basket and stocking stuffer mode.  Here are my top 3 for Bricks and Mortar. 

Bricks and Mortar

Tuesday Morning www.tuesdaymorning.com  - If I am making gift baskets, I usually go here instead of an arts and crafts store.  Why?  I can usually get a higher quality basket for a lower price.  Of course, this store has all types of items that make great stocking stuffers and it wont torture your budget.  

TJ Maxx  www.tjmaxx.tjx.com – This place has clothes, gadgets, snacks and accessories. What else could a girl want?  Don’t get lost in the shoe and purse aisles; you are shopping for others, not for yourself.  (OK, this is what I tell myself.)  You can also shop online with TJ Maxx.  But I think that you will find better deals if you pound the pavement. 

Ross www.rossstores.com – This is TJ Maxx’s competitor, and I have found great deals there as well. 

Stating the Obvious

Well, of course you see the Amazon advertisements on my sites.  Do I shop at www.amazon.com ?   Well, yes I do.  Do they have great savings?  Yes.  So, why aren’t they on my top 3 list?  Well, when I think of Amazon, I think of 3 things first: variety, delivery and books.  And then, I think about the fact that they have great bargains.  When I think of the other sites, I think of bargains first.  Also, Amazon is not a site that I visit only during the Holiday Season; it is a site that I visit all year long.

Happy Holidays!!! 
 

Happy Savings!!


Sunday, November 9, 2014

The Hardest Situation Yet

Getting back on my feet this time, has been the hardest, the loneliest and the scariest ever.  Last December, I lost my job, and it was the most traumatic ever.  I wasn't fired, my company MedPro Staffing, lost its contract with CSC.  So, all the MedPro employees were called on the same day and told that their contract was ending and that Friday was their last day.  The company called me first and told me not to tell anyone.  So, I sat in the office watching people one by one getting a call to say that they had lost their job 10 days before Christmas.  I was sad that I was losing an income, but the job had been difficult starting the first day.  I was hired to help make change; however, if change isn't really wanted, or accepted, it benefits no one.  And, it is torture to the person that you bring in to make change, have them review your situation and then do nothing, except fail.  Do I believe if they had made my changes we would still have a job, maybe, a few months later the State of Maryland suspended the contract and everyone lost their jobs.  And, I have to admit, I do believe that my changes could have helped save that contract. I think that the state would have looked at the contractors as trying to make an effort.  Anyway, when I lost my job, I filed unemployment, however, when the state of Maryland contacted MedPro, my company told the state that I was still employed.  When that happens in the state of Maryland, a red flag goes on your case and they do an investigation, because there could be fraudulent activity.  I immediately called ADP which was my company’s payroll and benefit handler, they were rude and unpleasant, and then I would call MedPro in Florida.  MedPro told me that it was their policy to keep their employees on the books in case another position came up, and then they wouldn't have to start the hiring process and paperwork again.  Also, I could keep my benefits.  I understood this, however, MedPro specializes in Nursing and Medical Staffing, and I was a Technical Writer working on a state Medicaid project.  So, I didn't fit their typical employee profile.  Their policy works for their typical employee, and it may have worked for me, if someone there was also looking for employment for me.  However, that was not the case.  Also, I found out that the insurance coverage was not even true.  I went the dentist to get my teeth cleaned, and I was not covered.  So, I had to cancel my appointment, I thought about complaining to them about it, because they had taken money out or my check for Dental Insurance, yet I was not covered.  Technically, they do still owe me that money, however, because they had it taken out of my payroll, but never enrolled.  But, now, I was worried about how I was going to keep a roof over my head.  So, I kept calling them as well as well as job hunting.  Meanwhile my money was going fast because I did not have any income, I had a small 401K through MedPro, which theoretically I should have been able to either remove or take a lone on, because I was still an employee, but I couldn’t get access to that little money either.  At the end of December, I called because MedPro still did not change my status, and the told me that my rep was on vacation and only she could authorize the change.  I spoke with everyone up to the president, and all I ever received was I am sorry, but that is our policy.  I also continued talking with the State of Maryland, and the Unemployment office representative asked me if I explained to MedPro what type of position they were putting me in by not releasing me as an employee.  Not only was I unable to draw, unemployment, I could not take advantage of the state’s employment assistance program.  Maryland has a few programs that will assist you in finding employment.  I was locked out of everything.  Also, I was locked out of some financial assistance programs because the requirements were that you had to be working with proof of income or receiving unemployment, I had neither.  It puts a whole different spin on talking to bill collectors.  They would ask me when did I think that I would get paid, or receive any benefits, and I had no answer. 

didn't give up looking for a job, or calling MedPro and ADP.  No matter how rude they were to me, I talked to them on a regular basis.  When I finally got my rep from MedPro and told her that the company had not taken me off their books (nor found me employment), she demanded to know who I had talked to because I should have been off.  But, her “surprise and outrage” didn't matter.  I was behind in all of my bills, I was being evicted, my accounts were in the negative and what little money I had was being used for food, lights and gas.  I continued to look for a job every day.  I no longer had internet access so I went to Panera Bread and used their free Wi-Fi.  I would get a coffee and apply to jobs for as long as I could.  I kept thinking that things would have to turn around.  However, I just couldn't seem to make it work and I couldn't see the light at the end of the tunnel. 

After MedPro finally reported to ADP that I was no longer and employee, it took weeks for ADP to tell the state of Maryland that I was not an employee.  I know because I still called everyday.  After Maryland was informed I had to have another case review, and Maryland had a case backlog because not only were they handling unemployment, there were the cases of where people had run out of unemployment benefits and they were seeking assistance as well.  So, the state couldn't tell me when they were going to review my case.  I just needed to be ready when they sent me a time slot, because if I didn’t my case would go back in the pile.  This consisted of more months of waiting, with no idea of when I would receive my money.  

I received my money the same day that I lost my apartment.  The property management company wanted all of their money, and I didn't have that.  So, my money went to renting a storage unit and a U-haul truck.  It was in February, and it was extremely cold outside, and when I sat down that evening and ate, I bit on something and my back tooth split and started bleeding.  I wanted to start crying, because even though I knew this was happening to other people, I didn't see it coming and I wasn't prepared.  And, I couldn't stop what was happening.  It was like watching a train wreck.  Also, even people see this happening to others all of the times, if it happens to someone you know, many people wonder if that person is going to ask them for something.  I think that it also frightens others.  It is like you now have the failure plague, and it may be contagious. 

A friend let me stay at her house for a few weeks, until I could get myself together.  I continued job hunting and I started filing my taxes, because I was sure that I would get a refund because I had been unemployed last year longer than I had been employed.  Plus, while I was employed I had been trying to finish grad school, which is expensive, but also something that you can write off on your taxes.  My plan was to either start working, if I found a job, or move back home to Detroit and collect unemployment there until I found a job.  

I found a job, but it was in Albany.  I actually had the interview in my car.  I brought what things I could, and I have been trying to make a go of it in here.  It has not been easy and I have had a few financial setbacks, which is hard when you are already in trouble.  I have also lost contacts with some friends and family.  It has been a really trying time, and like I said, in some way it is like having the failure plague; people don’t want to be around you.  Mostly, because they think that you will ask them for something.  Now that I am in Albany, I am trying to start over by myself.  And, it has been difficult.  My brother thinks that I should get over what MedPro did, but it started a ball rolling that I couldn't stop.  And, I did try to stop it.  I tried everything that I could think of doing.  And I have prayed.  I don’t know what else to do.  The other issue is that as you falter people wonder if you are really trying to help yourself up or are you looking for pity.  Meanwhile bill collectors just ask you, to get a loan
from your friends and/or family (LOL).

Wednesday, January 4, 2012

Lean Christmas / Lessons Learned

Well, it was a lean Christmas for me, however, the holidays were enriching in other ways.  I went home to Detroit, to see my mother.  I actually drove to Detroit, from Maryland under $100, with my new car, a Chevy Cruze.  Yes, that includes tolls for the Pennsylvania and Ohio Turnpike.   I only filled up my tank twice and I brought some food with me on my trip, so I wouldn't eat out as much.  I can't imagine how much I would have saved if it was a Hybrid.  I expected to save some money, but to travel 594 miles on less than $100 is pretty impressive.  My mother and I spent a lot of time together.  She has been in a serious car accident and is going to physical therapy.  Also, she can’t drive.  This has been very difficult for her, because she just retired and her plans weren't to spend her first year disabled.  She tore her ligaments in her shoulders and she re injured her back.  My mother is a classic Type A personality and this has been a drastic and depressing change for her.  This Christmas was somewhat somber, but enlightening, also there was some humor in it as well.  For Christmas, I bought my mother a new jogging suit.  It wasn't very fancy, it was blue (her favorite color) and I knew she needed it for exercising and it is easy to put on in the morning for physical therapy.  I also drove her around most of the holiday.  didn't mind, because she has been depending on others and her insurance company, AAA, well…, let’s just say they are aptly named.  They only give her a stipend of $20/day for someone to do errands and help around the house.  And, even though the economy is pitiful in Detroit, it is still hard to find help.  Sometimes we were doing errands for 8 hours, now we did get to go out to eat as well, but mostly we were trying to get tasks completed.  The one thing that I didn't expect in spending all of this time with my mother is that I didn't expect her to admit her faults without provocation.  My mother actually admitted that she was harder on raising me than my grandmother was on raising her.  She also said that she didn't know why.  One theory that she had is that she really grew up as an only child and my grandmother had 2 younger siblings.  She thinks that it made my grandmother more patient with little kids.  I don’t know if that was the reason or not, but I appreciated the fact that she admitted it.  She even admitted to sometimes being an "A".  Once again, I was surprised, because it was volunteered.  I, like a lot of people have had issues with my mother, and I doubt that they will end, or that we will never have problems again.  But it was surprising to think that she actually reflected on events and saw them from a different perspective than her original one.  It also gave me hope that our relationship may improve as the years go by, and I couldn't have asked for a better Christmas gift. 

However, it could be those painkillers that they are giving her.  Or the fact that I fell down the stairs and bumped my head.  Hmmn, I never thought of that….

Well, it is a new year, and 2011 kicked almost everyone’s behind (A), so I think that I will hold out for hope.


Tuesday, December 20, 2011

What I want for Christmas....

Looking back over the year, and the start of this blog, I realize what is missing and why I started writing.  I miss a generation of my family, those who belong to what is now called  the greatest generation.  Those members in my family knew how to handle tough times.  Also, the understood family, faith and integrity.  Now that I look back on them, I see 4 pillars, my grandmother (Sweetiepie) my Aunt (Johnnie Mae), and my cousins (Cornelius and Coranza).  They kept our family together.  I never realized how much or how important they were, until they were all gone.  They were there for me since the beginning; my Cousin Cornelius carried me out of Hutzel Hospital when I was born.  They knew how to survive tough times, because they knew how to work together.  They loved and respected each other and they knew each other’s strengths and weaknesses.  For example, my grandmother and aunt were teachers, so when a child or later grand child needed help, they were there to tutor.   Or if one of them went shopping and found out about a good deal, they would call each other or buy enough for everyone and stop by with their savings.  They were always there for each other.   When I was a toddler, I was afraid to walk down the stairs, at home, because I had fallen.  It was my cousin Cornelius who taught me how to walk down the stairs backwards, so I would not fall.  Good times were celebrated and difficult times were worked through together.  Even though I know how they would handle the current economic situation, I wish they were here because I truly miss their positive spirit as well as their strength.  One thing that I noticed is that, once they decided what the right path was, they stayed on that path and they supported each other.  If I could have anything in the world for Christmas, I would want those people back, even if it was only for a short time.  But since I can’t have them back, I would like their strength, wisdom and conviction. 

#Christmas
#family