Mom fell out of the bed and is wearing a neck brace, doctor thinks it's vertigo. She's doing better
Caught dad with the neighborhood prostitute. I was so shocked I couldn't say one word. I'll have to share the story later.
Had an interview, the job is perfect except for drive that is about 45 minutes away from my house without traffic. The company is currently five minutes away but will be moving. I have another interview Monday with a different company, I'll see how that goes. This one is about 20 -30 minutes.
I added $70 to my 52 week/$20 challenge, new total $1934. I'm so excited, it looks as though I may hit the 2k mark before the end of the month. I'm really trying, fingers crossed.
Got CC3 down to $263.50. Next week I'll be paying an extra $70 on this card so that will put me under the $200 mark. I was hoping to have it paid off by the end of the month but it looks like that won't happen until mid July. Better late than never.
Other than that, that's it in a nutshell. I weigh in tomorrow for Weight Watchers, I sort of fell off the wagon but I haven't used any extra points hopefully I've lost a little.
Viewing the '$20 Challenge' Category
Weighed in at my Weight Watchers meeting, and I'm down 4lbs 😃
Because I'm down four pounds I added $2 to my 52 Week/$20 Challenge fund and $2 to my CC debt (4lb = $4). I'm super excited.
Yesterday marked 6 years that I've been with the BF, we decided not to spend any money on gifts and just go out for dinner. Made sense to me.
Honestly on a different note, I am thinking about taking the money out of my challenge fund ($283.50) to pay off CC3. I'm ready to start tackling CC4, I think I'm getting impatient. It's funny until I started my debt snowball the debt bothered me but not like now. It's like I'm on a high, and I'm trying to reach the euphoria, that feeling you get when you're debt free. 😃
Finally got CC3 under $300, new balance $285.50.
Dad gave me a few extra dollars and I always split this amount between CC and 52 Week/$20 Chalkenge. I was able to boost my challenge to about $1838 😃
I can say I'm doing good with paying down bills and saving. My sister called and asked to borrow $2,000, I'm so glad I said no. Normally I feel bad, and give in and then complain when I don't get my money back but this time I said no. Besides, giving her the money would have cleaned out my house fund and EF.
Fast forward two days and the BF tells me his cousin needs to borrow $2600 to pay the taxes on his home. Now he wasn't asking to borrow the money, but it sure as heck sounded like it. I just listened and didn't offer. I did take this opportunity to explain to him how important it is to save for rainy days.
I've talked about owning my own place forever and next year I want to make it a reality.
I've been applying for jobs that's paying more money. With a new job, I can save at a faster pace and pay down my debt more quickly.
Well I was headed up to see my brother, dad gave me $20 for the ride, so once again I paid $10 on CC3 (balance $350 and change) and added $10 towards my 52 Week/$20 Challenge, as well as $2 for heading to the gym and my new balance is $1750.01😀 if only I could have hit $2,000 by the end of the month.
On a different note I applied for a job about two weeks ago. On Thursday I received an email from a recruiter who stated she was sending me the predictive test (hate those). Took the test and scored 97%. Now in an educational setting this is an "A" however, I'm not sure of the score the company is looking for (fingers crossed). Oops this was their "Customer Service Mindset Test"
Next, I took the "Human Resources Basic" test and scored 95% again I'm freaking out because my score isn't a 100%. Hopefully, I'll hear something, fingers crossed. The position is starting in the low 50s about 12k more than I'm currently making, and the company has a very rich benefits packet, not to mention they believe in professional development. That means that I can attend HR events without worrying about dirty looks, while earning my recertification credits. The position is also a mixture of HR, that I love. I'm not just stuck in a benefits role, but an employee relations, benefits, wellness, risk management etc are areas that I would be covering, and because of this I would be up on industry trends.
Well I joined Weight Watchers (WW) free of charge through my health insurance. How cool is that? 😍
We have a wellness program with our insurance company. One of my of my goals was to lose weight, that is how I ended up with the free WW membership for six months. Sweet 😀
I went to the gym so I'm adding $2 to my challenge. I also went yesterday, so it's actuall four dollars 😀
Dad gave me an extra $20, I paid $10 on CC3 and added $10 to my challenge fund. Things are going pretty well.
52 Week/$20 Challenge $1738.01
I have been on a hiatus for the last two and a half weeks. So I packed my gym clothes, prior to heading to the office and after work, I hit the gym. So I added $2 to my 52 week/$20 challenge fund. I've decided to add $2 when ever I go to the gym.
Dad also gave me a $100 to pay his $97 cable bill, so the $3 left I split between my challenge fund and CC3. I know it seems minimal but it works for me. I was able to pay off my debt and become debt free the first time around doing this.
All in all today was actually a great day.
Well dad gave me a $100 today so I contributed $20 to Christ Fellowship, the service was awesome.
I also paid $20.04 on CC3 bringing my total to $379.00
I added $20 to my 52 Week/$20 challenge, new total $1720. The goal is to hit $3000 by August and 5k by the end of the year.
Lastly, I hit the gym, and applied for four positions today.
I was considering heading to a concert tomorrow for about $40, but changed my mind keeping the focus on paying down debt and saving money, so it's going to be a beach day. 🏄🏾
I love my job, but can't stand my boss. She is very selfish, not to mention incompetent. On Thursday, she made a very sarcastic remark in reference to my knowledge when it comes to HR. It was like she was saying, yes I recognized you're knowledgeable in this area and yet I don't respect you for it. On thing about me is that I love the field of HR, particularly compliance/law. So I attend ever conference, lecture, webinar, and read every trade magazine I can, and for that I'm looked down for it. It really bothered me so I decided to begin a 21 day fast and prayer. Praying for a break through. Though I would hate to leave but I think it's time to move on. I think what keeps me there is that staff loves me, and I mean that literally 😍 that what's make me feel good. She's the HR director, but yet staff respects me more. Ironic
On a different note. Friday was pay day so I paid all bills due until the next pay period with the exception of rent. Dad always says, "the best time for a man to pay his bills, is when he has the money." 😀
Also, I've open up an IRA and automatically have $10 deposited each week and so far the total is now at $281. Not nearly as much as what I should have but I figured it's a start and the funny thing is I don't miss the $10. Once CC3 is paid off I'll add an extra $5.
I've also added $42 to my 52 Week/$20 Challenge brining my total to $1697.51, way more than my original goal of $1300. I've since boosted the goal to $5,000 by the end of the year. Fingers are crossed.
I think I might just add the $3 to make it an even $1700.
I decided to cancel my hair appointment tomorrow, savings of $35.
Usually I wouldn't do anything with what I have saved but something is telling me to to use some of my saving to pay down debt. So I payed $15 on CC3 and add $15 towards my 52 week/$20 Challenge. I figured every little bit helps.
New challenge total $1655.40
CC3 balance $394
Yesterday dad gave me $40, usually I split this amount as well but pay day isn't until the end of the week and I'm trying to hold on to every little bit until then.
Dad always gives me money every week, it's his way of saying he appreciates me. I've told him time and time again it's not necessary.
Today he gave me $50 so I paid $25 on CC3 knocking the balance down to $409. I added $25 to my 52 week/$20 Challenge, bringing my total to $1652. Whew if I can hit $5k by the end of the year I'd be so happy.
The key to saving is discipline.
Dad gave me $50 towards his truck insurance. I'm actually responsible for paying it. See he doesn't drive anymore, but he lives alone, so I pay it to keep a vehicle in the yard. My brother who is suppose to be there may come home once every other week.
The insurance is $70 a month, not bad. So I simply added $25 to my challenge fund and $25 to CC3. Basically what dad gave me I used as extra income. So with the extra income I was able to knock CC3 down to about $440 and bump my house fund ( same as my challenge) to $1600. The goal was to hit $3,00 by the end of the year but I've bump that to $5,000 since I'm doing so good. Hopeful I can have CC3 paid off by July
We play the lottery at the office and the team won $6 each. Of course I added my winnings to my CC debt. It's not much but every little bit helps. In addition to the $6, I also added an extra $10 to the CC as well $10 to the Challenge account.
Things are trucking 🚛 along and I am super excited about it. I really do believe that by June, I'll have three credit cards paid off and $3,000 saves for the villa I want to buy.
I say this when ever I start blogging about my finances, "so long as I am blogging I am on track."
Added another $10 to my 52 Week/$20 Challenge today, plus I paid an extra $10.00 on the CC. I received an extra $20.00 and of course I split the two
I manage to get CC 1 (starting balance about $1500) down to only $342 in less than four months, I'd say that's not bad. I can't wait to receive my tax return so that I can pay it off.
Other than that nothing else is happening, just happy to be back on track.
At the start of the year, I said any extra money I receive, I would pay half on the CC debt and the other half towards my $20 challenge.
I received $200 from my brother today. I tossed and turned, trying to decide if I should pay this entire amount ($200) on the CC or half. I initially said I was going to pay down CC debt when I received the money but it really bothered me that I wasn't adding anything to my challenge. So with that, I took half and paid the CC and added the rest to the challenge.
Part of my goal is to save $5000 for the year, (that will give me about 6 months worth of expenses saved) and to pay off two CCs. I must say my methods are working, I should have about $1500 saved by the end of the month, if not more, and three credit cards paid off. With three CCs paid off I can save $75 a month.
Just hoping I made the right decision
I am super proud of myself. I've been keeping up with both the 52 Week Challenge and the $20 Challenge. Today I deposted week 45 of the 52 week challenge (started backwards); $56 was set aside for the $20 Challenge; and $56 was paid on the CC. Dad gave me $112, so I split what ever he gives me between the $20 Challenge and CC debt.
Made my first student loan payment, and it didn't feel stressful
My brother is giving me $200, he always does this because I do his taxes, and his house is in my name ( he has never missed or been late with a payment in four years). Once I get it, I'll pay down a CC, knocking my balance to $375 and when my tax returns are received, it's paid off. First CC of the year.
So with so much great news, I'd love to do the happy dance 💃
Oops I failed to mention in about four months I have socked away $1,343.55 not bad.
Just read this article on Business Insider, a couple pays off $110,000 in two years following Dave Ramsey's Total Money Makeover
It's a great read, I think you all would enjoy.
Also I've manage to keep up with my 52 Week and $20 Challenge, I'm currently at $1241.75. Hoping to hit the $2000 mark by June.
Dad gave me $20 and the BF gave me an extra $30 so I added this amount to my $20 Challenge.
I've combined my $20 Challenge as well as the 52 week challenge bringing my total to 989.85. Not bad, we're only in March.
Friday was payday so I added week 48 funds to the 52 week challenge. Dad gave me $100, I added this to the $20 Challenge, grand total $819 . I'd say this wasn't a bad way to end the month.
Next week I'll be tackling the taxes, the few funds I get, can't be more than $500, will go into my Kentucky Derby fund.
It's been on my bucket list to hit the Derby and we're going this year. So that's it in a nutshell
Well tomorrow is pay day so I've added $49 to my 52 Week Challenge fund. I'm counting backwards so I'm on week 49. I'm super excited, I'll hit $1300 by June. Any extra funds I add to the challenge as well.
My new balance is $646
Well went to my least favorite place, Walmart, with the BF and picked up about $20 worth of items, the BF paid so I'm socking what I would have spent into my $20/ 52 Week Challenge fund, bringing my total to $585
Two items I purchased was available for rebate through Ibotta bringing that total to $5 in rebates. Once I hit $10 I can cash out.
Received an extra $50 so I added this amount to my 52 Week/$20 Challenge bringing my total to $565.
This week is pay week and I'll be able to add $49; counting backwards using the 52 week challenge for saving. That will put me at over $600. So excited because my goal is to hit a $1000 by the end of February
My dad is hilarious he thinks that he has to buy me dinner, so he gave me $15, I told him I'm saving it. He tells me that's even better.
So I'm adding to my $20/52 Week Challenge, my grand total $512.
If I can only sock away $500 a month, I would be one happy camper.
I'm responsible for paying dad bills, he no longer drives. When ever he gives me the money it's always an extra $2-$5, I always add the funds to my challenges. So tonight I'm adding a $3, I can't believe how quickly these small amounts add up.
Totally forgot the BF made a purchased and earned a $10 Target gift card. He gave it to me, so I'm going to add to my 52 Week/$20 Challenge. Trying to sick away as much as I can so when the CC bill comes for the car I won't feel so bad. Lol
Okay I started my savings again and was able to sock away $457 in less than a month. Well Murphy came to visit last night.
On my way home from work my car started to shake, engine light began to flash and it felt as though I was going to cut off. Fast forward and the cost to repair $487. Mom actually put the cost on her CC and I am to give her the money back. She ask that I wait until the bill came.
So I'll have to start all over again with my 52 week challenge next month.
Dad gave me $13 ( all the ones he had) plus he ask me to pay a bill and the difference was $11 left. So I added $24 to my 52 Week/$20 Challenge.
Super excited, my dad just gave me $100 and I'm depositing it straight to my 52 Week/$20 Challenge
New total is now at $457, I'm so happy.
Went to SAMs, picked up bath paper and earned $1 from iBotta.
Also I downloaded an app, Favado. It an app that provide you items that are on sale as well as the coupons for those items. I use this app to compare with rebates on iBotta. So far I love it.
BF asked me to pay a bill that was $216 and some change. He gave me $220, that meant I'd be left with $3. So I've added $3 to my 52 Week/$20 Challenge bringing my total to $360.
Tomorrow I'll be heading to the store and I notice Ibotta has a few rebates for items I'll be picking up. Can't wait until I hit the minimum of $10 so that I can cash out.
The ending balance of the $52 Week Challenge is $1378, I'm positive I will have surpassed this amount by June
Well dad ask me to pay his phone bill,that was $50 and some change. He gave me $55 so I took the difference ($4) and added it to the 52 week/$20 challenge bringing my balance to $357
So I'm just trucking along.
I earned $2.75 thus far using IBotta
OMG! I've been super busy with the new job, that I haven't kept up with my blog.
For the most part, I've been following through with adding funds to the EF, and IRA accounts. As well as paying extra on the CC.
I removed the Target Visa from my wallet. I notice that even though I charge items, then pay the charge right after it's just no worth it. Sometimes I just can't make the payment right then. Sometimes the store is too busy and I don't have time to go to the service desk to make a payment. Not to mention, Target only allows two payments a week. Not worth the 5% saving if I can't make the payment right away.
Dad gave me $20 last week so I added that to my challenge.
Lastly, three things I'm thankful for:
• Finding a church
• Getting a massage ( I have terrible low back pain)
• getting my finances order
Stop by my mom's because my sister said she wasn't feeling well, and out of the blue she gave me $40. I was both thankful and surprised.
As far as her health, she's dehydrated and was told to drink plenty fluids. My neice, who is a nurse, said she'll go by later and check on her. I didn't stay long, because mom and I don't have the best of the best relationship.
Since it was tax free weekend on clothing and school supplies, I was going to take the extra $40 and buy me something, but the saver in me said add that money to my $20 House Challenge and so I did.
Glad I'm back to saving
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