Finally we got paid I had to add the C-phone and cable bill to cc in order to make one transaction.

So here we go:
paycheck (after taxes)899.29
Deposited the following:
$75.00 EF
$30.00 Misc
$20.00 IRA
$50.00 Personal Acct
Total:$175.00

Paid the following:
$65.87 Cable
$64.32 C-phone1 (paid in fulls, 1st time in a while)
$270.10 CC1
$20.00 Offering to church

Difference $304.00 in which I added to checking account 1 for any misc bills that may come up, that way I do not have to use the CC or transfer from EF

Well I round ed the change up and added $.90 to the challenge


Previous Total: $4.85
New Total: $5.75

I was only able to complete 3 days this week with out spending, I needed,well went to Publix and did some grocery shopping, also had to get gas as well as my visist to the MD

Todays Spending
Groceris:40.52
Gas:$20.00
MD: $20.00
Sales tax:.58
Total: $81.10

I got my test results from the Colposcopy (biopsy) and it was negative...I ham like so happy. Just wanted to thank every one for their prayers and support. I have to go back in 3 months though

I thought my cc balance was $-$1922.88
but when I got home and checked my entries on my software it is actually $2270.73. I forgot I charged my books ($321.95) and my internet service is added to the CC every month ($25.90) I can't wait until payday so I can payoff what I charged for school and a little extra on the cc

Normally once a week (Friday's) I deposit $25.00 to the challenge, well I just paid on my high interest CC (the one I always complain about) instead

New balance for this card: $1652.56

Total CC balance (previous)$1947.88
New balance for CC's: $1922.88
I can't wait until payday I am going to pay as much as possible (about $800.00 on this card)
D. Ramsey is right, you have to attack these cards/debt with vengeance other wards you will never pay them off. I want to be debt free including my student loan ($1038.54) by December 2006. I want to be able to deposit my entire tax refund in my EF account rather than paying bills

Day 3, and I still have not spent a dime. I am so glad. I know at the end of the month my totals for spending, especially in the grocery department is going to be very low. I like this idea...I am not sure who came up with this challenge but thanks.

Now I am adding $1.00 to the challenge as well as the auto account. Yesterday I did not because I thought $306.00 needed to last me until next Thursday, but now I realize it's more than enough
New totals
Challenge $4.85
Auto: $8.98

The boss of course did not do the payroll yesterday but today, so that means we won't get paid until Friday. Everyone here is upset. It's not that I really really need the money now, but I would like to have my check when it's due..if I am at work I expect my check. Then he blames it on the people who has direct deposit...hog wash. Every job that I have been on that has had direct deposit we get paid the day before payday even my part-time job but go figure

Well when I left work yesterday at 12 it turned out to be the day from H***
1st I went to my part-time job to discuss the hours I was short and there was no where to park,so I got rained on. Then I went out to the school and the girl at the school bank had me waiting for about 20 minutes for no reason. Next I witness an accident looking for the bookstore...it was just a crazy day. I hope today is much better, it should be since the boss is out

Day 2 and I spent zero todayother than my fixed income (books for school. But I am unable to add the $.50 that I normally add to the challenge and Auto account becuase the $307.00 in my personal account has to last until 8/24 (payday from the second job)I hope the boss did the payroll today so we can get paid by Thursday...I have an MD appointment to go over my Colposcopy result (keep your fingers crossed) and I have to pay $20.00 as well make an extra payment on the high interest cc

Well I spent $321.95 on my books for school this semester, 3 were used and the other was new But I guess education is so expensive since it is something that can not be taken away. I am a little upset because I had not saved like I was suppose to for school and had to add this amount to my cc (not the high interest one)My goal is to pay off ASAP and incur no interest so I have almost two months to come up with $321.95 and I know I can do it

Previous Balance: $1947.88
New CC total:$2269.83

Boy to I have a lot to do today, first I have to go to my second job and make changes to my direct deposit, next I am going to take my dad his meds then pick up my books for school; $280.00 worth (unless my friend has the same computer books, cross your fingers). Last, I have to go out to the college and take my picture ID finding a place to park there is a nightmare, actually finding anything there is a nightmare

I have decided when payday rolls around I am sending my entire check to pay on my interest CC which is about $800.00 after I put aside money in the EF, Misc and IRA account. I am so sick of this CC debt I can just scream

I have called the CC company several tmes in the past regading the finance charges and was told they could not reduce my interest rate. Well I was fed up and called to cancell the card, I'll be the girl waived the finance charges of $56.78 fine with me because I will still cancel this account next month

Total Cc balance:
$1947.88

I just got my CC statement in the mail and realize my CC balance after I paid the $412.00 is not a total of $1935.93
but $2004.66(2 cards)I was charged $56.78 for interest and $4.00 monthly fee which equals $36.00 a month. I know this is crazy but because my credit was bad I was just happy for a card and now I think this is ludacris once this thing is paid off it is closed asap. $242.00 of this balance went towards school and will be paid off this week

Once again cars in our neighborhood were tagged...all but ours. I got home late last night and my room light was on that's what makes me think that's why they past us up again. The last time I was up to about 1 am. It's terrible because I know it's kids and we have never had this problem before. I hope someone catches them in the act ASAP. Poor lady next door just got her car back about two weeks ago from the previous incident. They spray painted her car so bad, her radiator needed to be replace along with the front grill. Like who has moeny to keep paying the deductible to have your car repaired and not only that if it keeps up I know rates will go up

Well the day is half over and the only other place for me is home so I am know I will not spend a thing today. I am adding $.50 to the challenge and $.50 to the car account

New totals:
Challenge $3.50
Car $7.98

I just realize that I have worked 61 days straight counting from Memorial Day I can not believe it but for some reason I'm not tired, oops I forgot I called in last Monday so it's actually 57 days. I never thought I could do it but I did when I worked part-time at the grocery store I had days off but I was exhausted, thought I would die. I'll see how I hold up when school starts

I am so glad that I bring lunch to work it is pouring down raining...everyone else is trying to firgure out what to do about lunch. I jus thopw it stops for a few minutes in order for me to get my books out of the car...it looks like a hurricane is approaching

It has been bugging me since yesterday so I decided to tak the money out of my $20.00 challenge account and pay towards my high interest CC (30%)and I am earning only 4.35% so it's back to sqaure one for the challenge

New total: $3.00
CC debt:
From $2348.88 to $19935.93 I also plan on paying another 300.00 or $400.00 on Thursday (payday) . I am just so sick and tired of debt

My mom just called to let me know my nephew will be there for about 4 days, my brother and his wife are going to GA. I don't mind but when my mom says she will babysit, it is usually me who does all the sitting I love my newphew but it is week before school I was hoping to get my books on Tuesday and get a head start but I do not think that will happen, he enjoys spending a lot of time with me and 9 times out of 10 he will sleep in my room. Which means he is going to talk my head off and want to get on the computer which I hate I started by the way. But the internet has some really great educational games for kids his age. Oh well I just needed to vent

I forgot to add the .81 cents I rounded up from today's spending to my auto account which is now up to $7.48 from the .05 cents I had at the beginning of the month

Well I ended the challenge today with $39.19 spent at the grocery store, but I plan on starting back up on Monday...wow 6 days and nothing was spent
Totady's Totals
$1.25 News paper
$.83 Plastic forks
$.14 sales tax
and $36.14 gorceries

As you all know my boss takes his time when it comes to payday and he is out of town until Tuesday or Wednesday, depending on what day he returns we will get paid two days after he does the payroll So I went through what needed to be paid and I can honestly say only 4 bills are actually due I am debating if I should add to any savings this pay period or pay down my debt I have thus far when payday arrives an extra $452.00 after I have allotted the following for bills/svg:
$75.00 EF
$30.00 Misc
$20.00 Ira
$20.00 Tithes
$100.00 cehcking 1 (for misc bills that may arise)
$20.00 Peronal account
$43.00 C-phone 1
$67.00 Cable
$12.00 BCBS (dental)
$69.00 CC2 ( I charged my classes which will not be due until Septembr leaving me with a balance of $243.00)
So I would have added $245.00 to savings and $191 for bills

Earlier I checked my paystub from my part-time job and I was short 2 hours Good thing I saw the boss today she told me she was working on it. l I will be on top of it to make sure I am credited on my next check otherwards they will surley be sorry

I got so much done today and like I posted before I spent no money
But it was a great day; first I washed and colored my hair (much needed) the last time I went to the beauty shop was in June and the time before was in November this is good for me because I use to go twice a week (50.00 a week). Then I washed my car, it has been about 6 months since I last washed it that took a while. Next I got a much needed nap before heading off to my part-time job so in all every thing worked out today. I hope I can make it to day 7 without spending any money. I would like to get a newspaper but I think I will pass

I can not believe it, it has been 6 days and I have not spent any money thus far. I am so happy so I am adding $.50 to the challenge and the new car account

New totals:
Challenge $415.95
Car account: $6.67 ( I made a mistake on the last post regarding this balance)

Wow 6 days I can not get over it

Boy this is a long process. This blog is more like an reminder for myself, I sent out letters to Arrow Financial and Midland Credit Mgt (collection agencies) to verify/validate my accounts. They have 30 days from the date of receipt to respond otherwards the account must be removed from my credit report. So we'll see what happens...I still have not heard from the collection agency regading a hospital bill they have until the 22nd which is 11 days away

Cleaning up ones credit that is. I just got my credit report regarding the disputes I disputed with transunion and there was 5 items deleted that's why my score went up 10 points. Now I have to dispute 2 more itmes and hopefully those will be removed. Things are starting to look up

I just tried paying the $123.97 on my CC well I looked at the limit which was bumped to $1050.00 it's very small compared to some but it is a huge accomplishment for me I am happy.