While there’s nothing major happening, there are a lot of little bits of money news to report.
First of all, my last financial “week” lasted 10 days, which bodes well for the future. I don’t think I can get all weeks to stretch that far, but the current one is on track to last at least eight days.
So the good news is that spending has definitely gone down post-divorce.
Well, except for fun things like the accident ($943 between the deductible and rental car) and needing a new loveseat ($427 after tax and delivery) and registering the car for two years ($282). But those are one-offs and hopefully the instances of stuff like that will go way, way down.
I did end up going with this loveseat. It’s fun and funky and will go well with the colors of the living room/house in general. I also chose it because it was on the lower end as far as prices go, and I still don’t know whether Josie’s going to claw a cloth loveseat.
She left the last one alone, but it was a sort of faux leather texture. So a different material might tempt her (though I’m also doing my best to keep her claws trimmed). The point is, it’s impossible to know how she’s going to react, and if she does claw the hell out of the new loveseat, I want to have spent as little as possible, while still getting something I like.
In other news, I called my Internet provider because my bill had gone up — and it was already too high. Alas, I can’t get a competitively priced connection because I need a static IP, which Cox only offers in its business plans.
My other option would be CenturyLink, but I’ve heard bad things about the company (mainly that the connections are slow and inconsistent). Every part of my job has to be done online, so I can’t afford to risk that. So… Cox business plans (with business plan rates) it is. But I was still able to save some money.
I found out there’s now a tier below my present one, so I downgraded speeds. I’m also signing a 12-month agreement for an extra $10 off. All in all, I’ll be saving just under $30 a month. Which leaves me still paying too much, but whatcha gonna do?
Speaking of saving money, I ended up getting a check back from the lawyer. It turns out that I didn’t use the whole retainer — thank god for a nice, smooth divorce process — so I got $516 back. That’s going straight back into the savings account from whence it came.
I also got a partial refund from my old health insurance company. Apparently, it spent too much of my premiums on administrative fees — there’s a strict cap on what percentage can go to those — and it was forced to issue refunds. So I got a check for $134.70, which is going onto the house payment this coming month.
On a less positive note, I may have to bite the bullet and get a new phone soon.
One of the main things I use my phone for is to keep in touch with my trivia friends. We do this on an app called WhatsApp. Unfortunately, the current version is expiring in about a month, and it’s not clear yet whether the my outdated iOS will accept the new upgrade. If not, it’ll be time for a new phone.
What’s extra fun about this situation is that I can’t just try the update like I would with any other app. As it turns out, I was signed in on Tim’s Apple ID when I first downloaded WhatsApp. So now it will only update if I use his password, which I no longer have.
So the first try will be uninstalling, then reinstalling WhatsApp to see if it will let me download it again under my own Apple ID. If it’s still giving me the prompt to enter his password, I’ll have to restore factory settings on the phone (which means first copying down all of my contacts to make sure I don’t lose any). Then I can try to download WhatsApp again.
And if WhatsApp’s newest version is incompatible with my old-ass iOS? Then I’ll have to trot out to the Apple Store and get an iPhone 8, grumbling about the price the whole time. So let’s all keep our fingers crossed that WhatsApp isn’t upgrading itself beyond the reaches of an iPhone 4S. Because I really don’t want to pay $650 (after tax) when my current phone is still working for me. A little slowly, perhaps, but working all the same.
And on a really not-positive note, I’m having to take $2,900 out of savings this month. Of that, $2,000 is to cover additional taxes due now that I’ll be filing as single. Another $900 goes to pay Mom back for a short-term loan she provided last month while I was waiting for my Ally bank bonus.
The good news is that the bank bonus should be about $300, which will help take a small bit of the sting out of losing $2,900 from savings. But I guess this is why we save: to cover our butts in less-than-perfect times.
What money news (good or bad) have you had recently? When is the last time you upgraded your phone?