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September 21st, 2017 at 04:55 pm

Today was a busy day. I'm working from home today but am able to get some other things done well. I'm really feeling accomplished.

I've updated my side bar with the exception of my savings accounts.
I'm mad at myself because I put CC 2 back in my purse and charged it up again. But putting things on paper hit home for me.

Last night I worked on my first zero budget and it was a struggle but I completed the second one for the next pay date in half the time.
I also created my cash envelopes, so that I can stick to the budget, once it's gone it's gone.

Financial Peace University: Week 3

September 21st, 2017 at 02:38 am

Week 3 of the financial peace class and it was tough.
Well I'm actually behind due to the hurricane.

This was my first time ever creating a zero balance budget. But by doing so, it really put things into perspective. The idea of telling my money what to do vs it telling me is so rewarding.

I actually put everything on a spread sheet vs the paper method, that way each pay date, all I have to do is key in the budgeted amount, the formulas are already there to take care of the calculations.

It has sadden me to say that the fiancé has yet to participate, other than going to the class. I told him we are wasting our time planning a future when money is the number one reason for divorce as well as our problems. I can give you the tools but it's up to you. I've told him what he needs to do with his business as far as the mother not paying him, he refused to do anything. I signed us up for a class, in hopes to get things in order and he refuses to participate. There's nothing else I can do.

Tomorrow I'll review my spending thus far, create my zero balance budget for the next pay date, create my spending envelopes, balance my checkbook and update my sidebar.

For me blogging helped me out of debt the last time, I felt committed to the group. I know what to do but I think FPU will speed up the process.

All is well

September 16th, 2017 at 01:20 am

All is well, this has been one crazy week after Irma.

It's the middle of the month, and I wanted to check my spending. Hurricane supplies killed me, over $300 🤦🏾‍♀️🙄. Next year I'll definitely plan better.

The good thing is, half the stuff purchased ( e.g. Batteries, water proof containers, solar lights) can be used for years to come.

I'll be posting my mid month spending totals tomorrow.

Thanks for your prayers everyone

Irma Update #2

September 10th, 2017 at 10:24 pm

Though Irma is now in the Tampa Bay area (about 3 hours northwest of me) we are still experiencing a ton of rain and hurricane force winds. I'm on the east coast, Palm Beach County.

Our power flickered a bit but we haven't lost power. We lost one board of the patio fence but that's it. We're in constant tornado watch, that scared me, but we have the safe room set up and ready to go with supplies (e.g flash lights, water, food, pillows, blanket and radio).

We have cameras so we can look out side, the canal next to the house is filling up, hopefully it won't over flow.

I'll keep you all posted and thanks for your love, support and prayers 🙏🏾

Irma Update

September 10th, 2017 at 08:07 am

Hello all!

Just wanted to check in and let you know we are okay. We have button up the villa and have our supplies.

Irma is at the lower Keys here in Florida but we are definitely feeling it's impact in Palm Beach county. We are under tornado warning, please keep us in prayer

Preparing for Hurricane Irma

September 4th, 2017 at 10:12 pm

Preparing for Hurricane Irma is exhausting.

We were able to get our Hurricane supplies but I just feel like I need more. Having gone through, Andrew, Wilma, Francis, Jean and Katrina you just never know. You can be prepared but contingent upon what happens you're not prepared enough.

Please keep us in your prayers as we brace for these storms

Can't seem to balance

September 2nd, 2017 at 04:14 am

Trying to balance my checkbook and I'm off by $12.61. This is driving me crazy. I've checked and double checked, and still can't find the error. I also reviewed the beginning balance and I can't seem to find the error. I took a break, but really wanted to get into reviewing my transactions for the week every Friday.

For two days I have not dined out, I'm so happy. So I'll be adding $6 to the miscellaneous account ($2 for breakfast; $2 for lunch and $2 for dinner) for day one. I'll do the same on CC number 3 for day 2.

We had bought season tickets for college football game last year, with the tickets you get free wings, so Monday I'll dine in, order a Coke and go home. 😀

On Track to Financial Peace

September 1st, 2017 at 01:14 am

Started Dave Ramsey's Financial Peace University at church two weeks ago and I absolutely love it.

I've created my budget and I'll using the Montana checkbook register method vs the envelope system. Today was pay day, and as my dad use to say, "the best time for a man to pay his bills is when he has the money."

So today I paid bills :

* $50 EF
* $25 church
* $152.12 car insurance (really need to look into getting this lowered)
* $450 rent
* $50 my plot bill ( wanted to be next to my dad)
* $119 JC Penny credit card ( really need to pay this off)
* $54 HSBCbank

I did not buy breakfast today or lunch so I'm adding $2 on a CC and $2 to the EF. Why the small amount? Well every little bit helps and I was able to pay my debt down this way.

Oh I should be going to court in October to finally get the approval to sell the house, fingers crossed 🤞🏾

Financial Peace University

August 25th, 2017 at 09:52 am

Finally started the Dave Ramsey Financial Peace University class. It was truly an eye opener.

First thing I did was stop my 401(k) the goal is to save a $1,000 (baby step one) and start it back up again. We also had to list our debts, something I never really done, I was surprised to see I have a total of $77,000 in debt, this include $60,000 student loan 🙄

This was also the first time I sat and completed a budget. It's s simple budget as the class refers to it but hey.

I'm excited, I'm hoping that it changes my fiancé's view and understanding of money as well as mine.

This was our first week and Murphy decided to visit and my fiancé said to me, "wow everything that was spoken in class I experienced, I'm listening and ready."

I'll keep you all posted.

Financial Peace University

August 23rd, 2017 at 02:00 am

Started Financial Peace University with my fiancé on a Sunday, it was definitely an eye opener for both of us.

I'm excited about learning more, paying down debt and being stress free.

After creating budget and looking at all my debt and not just credit cards, I realize this is not what I want my life to continue to be like.

I'll keep you guys updated with how things are going.

Financial Peace University

August 23rd, 2017 at 01:59 am

Started Financial Peace University with my fiancé on a Sunday, it was definitely an eye opener for both of us.

I'm excited about learning more, paying down debt and being stress free.

After creating budget and looking at all my debt and not just credit cards, I realize this is not what I want my life to continue to be like.

I'll keep you guys updated with how things are going.

Staying on track

August 11th, 2017 at 12:35 am

Though, I don't blog as much I'm still on track for paying off CC3 by October.

I'm super happy to know that I'm still working on paying down debt. I've gotten CC3 from $1821.31 to $1513.00. Next week is payday and I'll be paying $100 on this card. I can't wait until I'm done and then can start on the fourth card.

Target Run 🎯

July 27th, 2017 at 09:02 pm

Well I went to Target today to check if they had any meats marked down. Unfortunately they only had one pack of 2lb chicken breast with a coupon and refused to mark the others down. Normally when you ask, they will, since the sell by date is the date of the markdown.

Long story short I got the pack of chicken for $0.33. I couldn't believe it. The chicken was 6.99 then marked down, plus I had a $2.00 coupon and I used the Cartwheel app for an extra 25% off. I'll cut the chicken in half, that will give me a total of six pieces.

Love it!

Target Run

July 15th, 2017 at 03:30 pm

A friend of mine shared with me the bargains she gets on meat at Target 🎯. So I decided to give it a try.

Today I picked up two packs of 2lb Tyson chicken breasts for $1.49 each, actually on the second pack it was $0.75. I also picked up a pack of 10 pork chops for $5 and a two pound pack of ground beef for $3.49. Total spent $10.72.



As I went out side to load my car up I realized the cashier forgot to take a $5.00 coupon off, plus my actual total was $13.22 more than what should have been paid. So I head back into the store 🎯, get my credit and coupon, total refunded $10, leaving me with a whopping $3.22 spent. How cool is that.

I divided the two packs of chicken by cutting each chicken breast into two giving me 3 packs of four chicken. Then I cut the ground beef in half, giving me two packs. Lastly I divided up the pork chops into five piece packs for a total of two. I'm so excited. Now I just have to meal plan for the week.

Wish I could get some steaks at this price.
That's it in a nutshell nothing else to report

July Fitness Challenge

July 4th, 2017 at 01:05 pm

My fitness goal for the month of July is to lose 5lbs. Yesterday I've kicked off this challenge by hitting my first 10,000 steps in months, and I also had a chicken salad for dinner.

Today I went out for my morning walk, hitting 5,000 steps and drank 20 ounces of water all before 9 am. Not bad. For every 10,000 made I'll add a $1 to my CC debt, that should be $7 a week.

For dinner, I've decided on hamburger without the bread and homemade baked french fries 🍟. Lunch will be a salad.

Well that's it in a nutshell. I want to wish everyone a fun and safe Fourth of July 🇺🇸🎆

Target Run

July 2nd, 2017 at 06:30 pm

Went to Target today and picked up 2lbs of ground beef for $2.20. I also picked up two packs of chicken that I cut into and packaged into 5 packs of four for dinner. Total cost $10.18, not bad.

I'll be meal planning for the week and hitting Target up next Sunday

I did it!

July 2nd, 2017 at 03:48 am

I did it, I've paid off CC2 a total of $656.00.

I thought that I wouldn't be able to, but after my fiancé gave me his portion of the bills, I was able to take care of it.

Though my savings isn't that great, just having the CCs paid off makes a huge difference. I feel somewhat free. I say somewhat because I have so many others to pay off.

Now it's off to CC number three, I've already set up the weekly payment of $20 the begin next week.

I'm so happy you all wouldn't believe it.

Update

July 1st, 2017 at 02:02 pm

Hi all,

Hope all is well, I'm just checking in.

Regarding my dad's home, we are having a hard time providing my brother the notice, and unfortunately I don't know where he works to have him served. My attorney reached out to his attorney who informed him that he dropped my brother because he wanted him to do some unethical stuff. All I could do was laugh and then think and say how sad.
I think I know where but I'm just waiting on confirmation. Once I confirm I can provide my attorney the info to have him served at work. I hate to do it there but he's never home, or he's there and not answering.

Next I wanted to pay off my CC yesterday, the balance is $670. I can't because my fiancé don't have his portion of the bills (e.g rent, water) . Smh I have put the wedding off for two years because he has to prove to me that he's able to manage or will be taking the steps to get financially fit. In the mist of everything I found out that his mother hasn't been paying him and when she does she's short. He works for the family business. I've told him over and over that he needs to take over from his mother or he's going to find himself in one big mess. He's crazy about his mom and doesn't want to hurt her feelings. I'm thinking, your mom isn't too crazy about you, you live on your own, engaged and have bills to pay. Either way, there won't be a wedding if he doesn't get it together. We are suppose to start the pre marital counseling and I'm hoping this will help so that he can see it's okay to love mom but not be abused.

That's it in a nutshell

Clutter

June 10th, 2017 at 11:49 am

Today is the day that I clean out my closet. I have things that I do not wear, and need to get rid of them. The excuse for keeping them, I'll lose weight. Well six years later and I have not lost the weight.

I'll post photos later

Tools that same time and money

June 5th, 2017 at 12:12 am

I was reading Women's Day Magazine and came across these apps that are suppose to be useful for saving money and budgeting. Honestly I briefly looked them over, however they seem to be useful. So I'm putting them here and will review later

Feed the Pig - sponsored by the American Institute of CPAs
Feedthepig.org

Level Money - budgeting tool
Levelmoney.com

Digit- monitors spending habits
Digit.co

CC2

May 28th, 2017 at 02:52 am

I have gotten CC2 down to $820, I have an 401(k) with an old company I worked for that has about $900 so I'm going to withdraw it, pay the taxes and pay off the CC. I wasn't with the company long when I signed up but either way, it's enough to pay off this CC.

In other news, it's been a relaxing weekend, enjoy your holiday everyone. 🇺🇸

Breakfast at home

May 20th, 2017 at 02:43 pm

I was going to go out for breakfast 🍳 but decided to make it at home instead. I'm glad because breakfast out would have been about $20. So I'm adding this amount to the CC.

I had a nice mimosa, scrambled eggs, bacon and potatoes, yummy.

In other news I have a graduation party, then a sweet 16. I decided to do my own hair and toes, that save me $65.

Today is a save money kind of a day.

Quick update

May 20th, 2017 at 10:01 am

My fiancé's mother is back in the hospital. She has been diagnosed with congestive heart failure. No surprise there, but the family is surprised, they're all in denial.

After the death of both her husband and daughter, I've seen this woman go downhill. It's sad because I keep telling my fiancé to get her some therapy and he says she won't go. Depression is a serious matter, it allows all sorts of thoughts to enter ones mind. Sad thing is she hasn't been taking her prescriptions as prescribed that has put a strain on her heart.

I'm praying that she can get through this little patch of life she's stuck at.

On the financial side of things, I'm doing okay. This week I have not eaten out for lunch or breakfast, so I paid an extra $20 on CC2. Sunday I start the Dave Ramsey financial peace class so I'm excited about that.

I'm trucking along with the 52 week challenge, I'm at $603 with that.

No other financial news to report

Financial Peace University

May 18th, 2017 at 12:39 am

Well I have signed my fiancé and I up for Dave Ramsey's Financial Peace course at the church. I'd like to get our finances under control before entering into a marriage.

He has actually made some adult moves as well. He's registered the business with the state, we are setting up a business account and will start payroll deductions for him. It's a huge step for my fiancé, his mother has always influenced his decisions that is not always in his best interest.

Things are trucking along nicely.

Though I have a nice chunk of change, that my dad left me. I want to build my own wealth and use that money for an emergency, a true emergency 🚨

So with that being said. I took your advice. I'm following Dave Ramsey and will save a $1000, after that I'll tackle CC2 vs wiping out everything.

That's pretty much it in a nutshell.

Undecided

May 14th, 2017 at 05:25 pm

So I have about $800 set aside and I so want to pay off my CC. Though this will deplete my cash on hand, I'd love to pay off CC2.
Dave Ramsey says to save a$1,000 first and then tackle debt but I just want the CC gone.

I have to laugh because now that I'm engaged I just want everything gone, when it comes to debt. Not that I didn't before but now I'm like it must go.

I'm engaged!

May 13th, 2017 at 01:10 pm

So I recently got engaged 💍. I always said that I wouldn't marry my BF, he's worst than me when it comes to money. But this last year he has really stepped up. We haven't set a date because I want to make sure that we are both financially sound.

First thing on our list is to sign up for Dave Ramsey's financial peace university. The next class starts in June at the church. Can't wait.

After that we will do some spiritual counseling. Starting that in August.

Today we are meeting with an accountant to get his books in order. He's terrible at filing taxes. This is such a huge step for him. I'm super proud he decided to tackle this. I was so shock when I received the text to set up an appointment.

Next I've created a list of my debt and am tackling them one by one. The goal is to pay off three CCs this year. I'm tackling number two right now. Just $880 to go, yay!

We started a wedding fund, though we haven't set a date. I think it's great to start early. Right now we have $300 in less than a month. So as I say to him, if we can tackle the wedding fund we can tackle his taxes and my debt. It's our motivation. Honestly it feels good that we both want to enter into a marriage with no debt, and a peace of mind.

On another note, hopefully we can sell my dad's house soon and buy the villa we are renting. The attorney is moving a bit slow but I understand that patience is a virtue. What's cool about it, is that my fiancé ( wow it's strange saying that) is okay with purchasing the house in my name, leaving it to my two siblings who are not creating a problem, if something was to happen to me. We'll just set it up so that he lives in the villa until his passing. Our rational is that it's my dad's money so it should go to my siblings, since I have no children.

We decided that once we buy the villa, we can stay there or buy another place and rent the villa out. The place in that we purchase together will be left to his children, since I don't have any and the villa my family.

Oops I forgot, we are pricing venues for the wedding and my goodness weddings are expensive!

So that's it in a nutshell. I'll be sure to stop back by

Oops have you all heard any thing from Julie (Ima Saver)?

CC 1 Paid Off

April 26th, 2017 at 11:14 am

Though I haven't been blogging, I've still been saving and working towards paying down my debt.

I've paid off my first CC today, remaining balance was $710, it felt great to knock this little bug, as Dave Ramsey calls them, off my list.

My dad always use to say, the best time for a man to pay his bills is when he has the the money. One thing I've learned is that is true.

Now I'm moving on to CC2, balance is $975. I'm going to transfer tthe weekly $20 payment that I was paying on CC 1 to CC2, goal is to pay this card off by October, and then move on to CC 3.

Quick update

February 12th, 2017 at 11:15 am

Well not much spending going on in my area.

Today I'm suppose to show the house, wish me luck. I'll be calling the cops to have them there as I show it. My attorney finally reached out to my brother's attorney, who was very nonchalant about the incident that occurred the week before last. My attorney seem to be very disgusted with him. Needless to say my brother's attorney appeared to have had a conversation with him regarding his harassing behavior because he stopped parking his car in a way that he blocks my entrance. Well I wouldn't say stopped completely. He parks his car now so that another car can't pull in but at least we can park on the other side. Smh

Pray for me

February 3rd, 2017 at 11:32 am

Some of you may know that my dad died last year. We were extremely close, anyone can tell you how close we were.

He left me charge of things. I was planning on moving into the home that he left for both my brother and I, and my brother has completely flipped. Basically dad changed the beneficiary on his accounts to me and told me to share it after all debt has been settled. I sat us all down and told everyone that's what I was going to do and my brother lost it. He says that the money is for him. Needless to say I decided to sell the house, split the money and send him on his way.

This is what happened yesterday when I went to show the house. I had to file a police incident.

Upon arriving to the home, my brother was outside on his bicycle riding, while his van, played loud music. I stayed in my car, at the neighbors, until the investor arrived.

Prior to the team exiting their vehicle, I walked up to their truck and explained to them that My brother maybe an issue. While doing so My brother continued to ride his bicycle in the road. As we approached the gate to enter the property, he got off his bicycle and approached the investor and his colleague and told them both that "they could not see the portion of the house that he reside in and that he had things in it and that he needed to clean up. " Mind you my attorney notified his attorney that we were showing the place.

At that point I informed the team that they may view the home and we walked off. While viewing from the outside of the home My brother informed them (investors) that "he was going to clean the property and have it ready for them." My brother has a number of items on the property in that are a code violation, that I will need to discuss further my attorney.

We entered the home, the investors viewed, and when I opened the door, to the middle room that leads to the second part of the house, things started falling, water was splashing as if the place was boobytrapped.

We then exited the home, and that is when my brother began recording us with a video camera and taking photos. I asked that he not do so without our permission and he continued. As we exit the yard he began to jump up and down, saying the following "Jah is King, fire fire fire, I'm going to burn you up, you're a bumbaclaud, fire fire fire, I'm going to catch you on fire, you let those white people tell you what to do, fire fire fire, I'm going to catch you on fire..." He continued to jump up and down yelling his explicit as the investor and his team got into their vehicle and left. At the same time I called my attorney so that he may hear the commotion and counsel me as to what our next step maybe so that this does not happen in the future.

Meanwhile a neighbor's friend who is leaving his home almost hit My brother with their truck because he is now in the road jumping up and down yelling that he is going to set me on fire.

I went to the police department who stated that they'll take note. This is the second time he has threaten to bring harm to me, once at my mother's home and again yesterday. Unfortunately, I did not have the incident at my mother's noted.

Keep me in prayer.


I've attached a few photos for you as well, he has been blocking the driveway of the home and

End of January

February 1st, 2017 at 03:47 am

So it's the end of January and payday.

I pretty much paid as many things as I could this pay date. I'm hoping that tomorrow is a no spend day and that everything paid today can clear so that I can see where my money went. I can say this, I'm pretty sure the bulk of my spending went to eating out 😩
For February I'm hoping that I can stick to my meal plan.

In other news, my boss signs me up, so she says, for a management training course that she's attending as well. Then complains to everyone else that subordinates and managers shouldn't be in the same training. I'm thinking why did you sign me up? Personally I think she was mad because the trainer asked me three times if I was a manager. He seemed perplexed that I wasn't. The woman is crazy.

I'll be posting my end of month spendings tomorrow.


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