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April 2017

Yes finally!

Posted on by DS

Paying bills and getting us back on track ironically brings a sense of normalcy. I planned out a budget, and DH umpired some double headers two weeks in a row which gives him enough money (up to one thousand dollar loans) to take care of his needs for the next two weeks. This is the first time DH has lived “alone” ever in his life. By alone I mean solely responsible for himself and no one picking up his slack. It’s been an interesting experience for him.

+ for me consisted of getting pay checks and dd’s rent check in the bank and cashing out for envelopes. (Dd pays rent to us on a monthly basis.) Over the weekend I set up the electric/gas bill for payment today. I will go in to online banking this evening or tomorrow morning to set up the rest of the month’s bills. The water bill comes out around the 15th. I may start just paying a flat amount that is just above what we usually pay so I can get it paid a the same time. Sort of like levelized billing, which is not offered on the water bill. We already take advantage of levelized billing for our electric/gas. It is a “rolling average” of the last 12 months.

We got an alarm system for the house with monitoring. We had to adjust the budget for that but we did not have to cut out anything, just lowered another category.

Regarding Bank Loan

Posted on by DS

Thanks for the concern, I agree that these terms are usually provided in the repayment schedule, but due to liquidity problems, company is paying lumpsum amounts, (not as per repayment schedule), for eg. installment was to be paid as Rs.2 million (being Rs.1.5 mn principal and Rs.0.5 mn markup) but company has paid Rs.1 million, and then Rs.7 million then Rs.2.5 million, all the payments are uneven, and now the bank has gone into litigation, Court has rejected the bank’s claim regarding penal interest as the same is not allowed, Supreme Court’s Decision is already available in this regard. Now what about the actual payments, will these be accounted for against principle first or against markup first?

I would be thankful, if anybody can give me reference of any SBP’s Circular or HC or SC’s Decision????


Paid all my regular bills for the month

Posted on by DS

Finally got the bill from the allergist…she only bills me 2x a year, but I make sure I have the money saved. she is still cutting some of my bills in half, so she will get her check this week.

Grant struck in the form of a leaky water tank. I spent all morning trying to line up people to get me quotes to replace. 2 have already tried to talk me into changing my system completely…I have solar, it works fine, just need the tank replaced. I must use a plumber because a permit has to be pulled, the city needs its money. I do have a lead on a contractor that might be able to pull the permit and us do the work, I have already found out what the tank will cost. We shall see…

Our karate business is growing, we are at the break even point and I hope my DH decides to take a paycheck soon. Right now we are looking to get a “short” bus so we can do an afterschool program. The bus needs to be 15 or less seats–no special drivers license, the kids would be already registered to our karate program and my daughter is a certified teacher and would be the director.