Our Mail was Stolen

Yesterday morning I asked Mr. Money to go and get the mail, as we were expecting a card from his dad.  He went out to get the mail, said there was nothing in there, and not an hour later did we get a knock on the door.  It was one of our neighbors down the street, bringing us mail that had our address on it that he found in the ditch. Nice.

He found a card that my aunt had mailed to us, ripped open, card and envelope in the ditch.  There was also an empty envelope from our bank.  Great.  I figured out that it was actually our credit card statement, completely missing.  I do feel better that it wasn’t a bank statement, as those have our full account number and other information on them.

I called our credit card services company to cancel our cards.  She said we shouldn’t be too worried because the full account number is not on the statement, and if anyone tried to purchase anything online they would need the security code on the back of the card, which they wouldn’t have.  Also, we’re not liable for any fraudulent charges that anyone may make.  I still canceled both my card and Mr. Money’s just to be safe.  What stinks is that I was planning on ordering our crib this weekend and now I’ll have to wait until we get the new cards.  Ugh.  What a pain!

I made sure to enroll our bank statements in paperless statements now so that there’s no chance that anyone can steal those.  I feel better about it, and will just have to make sure I print one each month, or at least back it up digitally.  What a pain!

I’m a little freaked out that they stole something else that I have no idea about, but I guess there’s not really a way for me to know that.  I’m pissed because I feel like I’ve been violated.  What idiot goes around at Christmas time stealing stuff out of people’s mailboxes?!  They’re lucky I don’t know who they are.

Mr. Money has suggested getting a post office box, but I don’t really want to have to deal with that headache.

Do you think we should take any other precautions?

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Michigan Lottery Winner on Food Stamps

Have you heard about the man who won two million dollars in the Michigan lottery yet is still on food stamps?  If you haven’t, prepare yourself to be shocked.  Then again, knowing how things go sometimes, you may not be.  I first heard about it on the radio and was appalled.  I can’t even fathom winning the lottery, or winning the lottery and staying on food stamps.  This is absolutely ludicrous.  There are just so many things wrong with this situation: the fact that the government doesn’t kick him off food stamps, and the fact that he sees nothing wrong with continuing to stay on them.

Don’t get me wrong: I believe there are many people who deserve to be on food stamps; it just angers me when people abuse the system.  And it’s not like Michigan needs another person draining the Welfare system.  They are in enough trouble without people like this.

He claims that he told his case worker about him winning the lottery and she said he’d still be eligible for food stamps, or the “Bridge card”, because they don’t claim lottery winnings as income. Um, what?  He took the cash option and walked away with $850,000.  I don’t know about you, but I know that’s enough money that I’d probably be set for life.  We all know he could buy a pretty darn nice house in Michigan for under or around $100,000, so even if he wasn’t a homeowner and did buy a house, he’d still have $750,000 left.

I just can’t believe that even after getting that much money he would still stay on food stamps! He said that if anyone tried to make him feel bad about it, they wouldn’t succeed.  Okay.  I think he’s nuts.

What do you think- do you think he should still take advantage of food stamps?

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Money Obsession

I think one of the things I struggle with most is obsessing over money.  If you’ve read my blog for quite sometime, you probably aren’t surprised.  There are many times that I worry about our money.  Will we have enough? Am I saving enough? Am I keeping a good balance between spending and saving? Should we pay more on our mortgage?  Many questions run through my head all the time.  Sometimes I think about money so much that I drive myself crazy.

It’s hard because I work at a bank, and also have a personal finance blog that I use to talk about money.  Money is a large part of my life, and probably more so than most people.  Sometimes I think about finding a new job that’s not at a bank, but then I realize that I’ve got so much invested in my current career and I want to be a stay at home mom as soon as I have a baby (which will hopefully be sooner than later).  I don’t think  I should jump into a new career when I really am not looking for a long term commitment.

It is such a struggle to figure out money sometimes.  Thankfully, we always have enough to cover our bills and have some money left over and I am so grateful for that.  It’s just that I think about the stupidest things sometimes and I wish I didn’t do that.

I think for so long I’ve tried to limit expenses to the bare minimum, and it’s made me a little crazy.  For instance, I have used my laundry detergent recipe to make laundry detergent for the past few years.  A couple months ago I picked up some eco friendly laundry detergent at the store and it just makes my life so much easier.  I feel better when I use it for some reason.  So, I’ve decided that I’m going to buy that laundry detergent and just use less.  It’s worth the extra little money to make me happy.  I’m tired of trying to save as much money as possible.  There’s no sense in depriving myself when it’s not an absolute necessity at the moment.

Another thing that I’ve tried to do is keep the thermostat low so we save money on our heating bill.  While I still try to wear a sweater and keep the heat down low, I have also decided that I’m going to turn the heat up if I am cold, and I’m going to keep it as warm as I want it.  I learned how to budget for irregular expenses, and I’ve applied that to our electricity bill.  It’s been working very well.

I guess over the past few months I’ve been a little more lax on money.  Sure, I’ll be the first to try to save money on whatever, but I’m not about depriving myself to the point that it stresses me out.  That’s really stupid.

How do you deal with stress about money? Do you obsess over money too?

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