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Turn January Money Challenges Into February Fortunes

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January challenged my patience. Several days were bitter and bone chilling cold, though things unrelated to the cold weather were breaking. I broke a tooth in half while eating rice. Yes, it was cooked rice. Thank goodness for flexible spending—a crown will probably eat my balance for the year, but it will be covered.

The handle to my kitchen sink fell off in my hand one evening. Then the bathroom sink decided to spring a leak. A couple of days later, water decided not to come out of the shower head. Fortunately, I had purchased extra fixtures last year with gift cards and close-outs at a home improvement store. I have faucets for the bathroom and kitchen; I have the whole shower kit. Hoping a simple plumber visit will cure it all. Meanwhile, I am enjoying relaxing baths. A candle, a glass of wine, my e-reader and I am in heaven.

I am still waiting for my auto insurance company to finish its investigation on the December accident my daughter was in and refund my $500 deductible. It has been about a month and a half, and no communications unless I initiate them. They keep telling me these things take time. The highway patrol had no issue finding the other driver responsible—but my insurance company is not so sure. They had not even pulled the accident report, interviewed the other driver, or filed a claim with the other driver’s insurance company. My premiums, however, were due this month. I wish I could have told the company that these things take time and I will pay my premiums with the same speed they have used to address the claim!

I am doing well on my resolution to eat in at least 4 days a week. I ate lunch in my office 18 out of 20 work days. I saved at least $90 on lunches this month. I am so proud and I paid myself the savings.

I received my W-2 a week and a half ago. I e-filed my state and federal returns that same day and I have received my state return. It was tiny, but it was a return. I am waiting for my federal return. If my plumbing bill is reasonable, I can pay off my remaining credit card debt three or four months early. If my plumbing bill is a bit higher than I hope, I can still eliminate my credit card debt in May. Here’s hoping for a conservative plumbing bill and a reasonable dental bill. I need to turn January challenges into February fortunes!

Image: eikosi, via Flickr.com

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