I wish there were more to report, but things have been relatively quiet around here. Which is a good thing, but it leaves me rather uninspired for blog posts. If there are subjects you’d like to see me write about, please leave a comment below. I’ll see whether I can get something whipped up on the topic.
In the meantime, here’s the news:
Sick as a dog
Pandora has been throwing up since about 5 p.m. last night.
The first time she threw up, I nearly joined her because she was, er, trying to remedy the situation herself. In between dry heaves, I instructed Tim to call her back to the bedroom. Then I set about the rather icky task of cleaning up food that was mushy but still somehow surprisingly intact shape-wise. Ugh.
She’s thrown up five times in the intervening 12 hours (most of which I was mercifully asleep for). Tim’s concerned and is insisting we take her in. Everything I read online said that we should just withhold food for a bit to see if her stomach calms down.
But she did have diarrhea earlier this week, and Tim’s an anxious pet parent to begin with. So I’ll be making some calls when the offices open pretty soon. I’ll describe the symptoms and see what the vets think. I’m guessing they’ll have her in; Banfield gives great care but loves to run tests “just to be safe.” So I’m pretty sure we’re in for a $200 bill and an advisory to just give her some bland food.
There are still a few days left in our financial month, but it seems to have gone pretty well overall. I hesitate to forecast too much since our lives are unpredictable at best. But I think I can safely say that there should be at least $300 left in the account (maybe as much as $500) this month.
I haven’t done the math yet, but this should ensure that we’re able to put some money into savings this month. We had a relatively sane number of unexpected expenses, so I think everything will be covered without too much fanfare — and hopefully with some money to spare.
I cancelled the Sapphire and Barclays cards before they renewed. Given the unpleasant discovery about back taxes, I’m not sure if we’ll be able to afford a trip this year. So it didn’t make sense to pay the travel rewards cards’ annual fees, even though Sapphire offered me the same deal as last year.
Instead, I opened up a simple cash back card. I still want to explore more travel rewards cards, but for now we just need something basic, without an annual fee.
The problem is that we had a tremendously silly amount of credit open when you added up our Sapphire, Barclay’s and Starwood cards’ limits. After a certain point, some companies can feel uncomfortable giving you yet another credit limit.
So I cancelled the Barclay’s card first, then applied for the new card. Once I was approved for that, I called and cancelled the Sapphire card.
Unfortunately, losing the Sapphire card means that I no longer get a 25% bonus to trade in our $500ish of points for travel. But since we don’t know when our next trip will be, it just doesn’t make sense to keep the card open.
Besides, having every cash-out option be 1:1 means I’ll use the points for more practical, day-to-day stuff like gift cards to places we already spend money. That can help us put more money into savings, which we’ll need one we officially have the tax bill in hand. Speaking of which…
Absolutely no news on that front. I mailed in the form and the processing fee around two weeks ago, but nothing has happened. I’m going to have to call to see if I messed something up or whether the process really is this slow.
I was hoping to get the state side of things under way before dealing with the federal side, but clearly that’s not going to happen in a timely manner. So I’ll be calling the IRS this week to find out who I talk to about unemployment taxes. Specifically, how I get the whole process started to self-report my transgression.
A small part of me wants t keep putting this all off. First, because this would be difficult and scary for a mentally healthy person, so the whole subject makes my depressive brain want to shut down. Second, because I’d love to have more in savings when the bad news comes in.
But the larger, smarter part of me wants to just get the Band-Aid ripped off. I want to find out how bad it is, pay and be done with it. Not to mention that I want to make sure I’m the one reporting the mistake. If I bring the IRS’s attention to it myself, I have a shot at getting the penalties waived. If the IRS finds out on its own, I just look like someone trying to get out of paying what I owe. Which really wasn’t the case.
What’s going on in your life?