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Archive for March, 2007

Check, depleted

March 30th, 2007 at 07:05 pm

Ok I just got my paystub, dated for 4/2 after paying off the cc which includes car repair, verizon internet bill, Bellsouth and the water bill I only have $54 left. Well I was able to add $130 to my EF account $25 to my IRA just no money to my challenge or tuition and car account but at least everything is paid and I did not need to take money from my EF to pay to get my a/c fix. I will also get paid on Thursday from my part-time gig so I will be able to add money then

$20 gift from dad

March 29th, 2007 at 07:58 pm

well you all have heard the bad news about my car, but my dad was feeling bad for me and gave me $20 to do something nice for myself. That was really nice of him, so I ate out today and did not match this amount but I added $15 to my challenge home account brining my total to $1909.06 I have not met my $1000 goal this month, I am short $90.94 but anything can happen between here and Saturday

An update on my car

March 29th, 2007 at 12:07 pm

Well I was so disgusted that I just did not clean outmy car this morning, so I decided to head over to my dad's and notice that the thief actually broke the paneling as well around my dash board. Can you believe that? Now if that insentive cop would have did his job and tried to get some prints he would have found that and maybe got some prints. Then I notice that my fake Tiffany necklace was taken and just realize that I had a loose key (my sister's) in my ash tray which is missing, thank God they won't know who's house it belongs to. I have to lol because I am sure they are thinking it is for here and will be in for a rude awakening once they return. Only God knows what else was taken.

Bad News

March 29th, 2007 at 06:11 am

Well I was getting ready to go to work and went out to my car today (this morning) and notice there was paper all over the place, I thought this was strange. Then it hit me, my car was broken into and my Vera Bradley book bag that I saved for was gone. I am just so disgusted and did not feel like going into work. Why do people steal? Why not work for what you want like the rest of us? I had to buy new hubcabs because some one stole them. You know ilive in a neighborhood where we hardly ever lock our doors and now it seems like it is going dowm hill. I really think it is some kids from around here. I am going to Sam's today to buy a camera. I AM P.O'd

Also my car is old (89 camery) and the cop act as though he did not want to take prints he didn't even try to get prints off of anything else other than the door, come on

Ouch

March 28th, 2007 at 03:39 pm

That is all could say when I picked my car up today. $489 was the cost with labor for the new a/c (compressor) but I am glad I was able to get it fix because it will be getting really hot real soon. My dad did however, give me an extra $10 today so I am happy for that. But I put the total amount on my CC. Monday is payday so it will be paid in full. I just did not want ot deplete my savings to $161 between here and Monday, you never know

Dentist

March 27th, 2007 at 05:45 pm

Well went to the dentist and it only (yeah right only) cost me $300. I actually budgeted $330 so I saved $30 and I am adding only $15 to the challenge because I spent the other $15 at the grocery store

New total $1893.25

Well it is still raining

March 26th, 2007 at 03:23 pm

Well I heard from my mechanic and it will cost about $438 to get my a/c fix and I am dropping it off tomorow...it's just to hot in FL with out a/c. Next I have a dentist appointment to have my crown put on, that is another $330 so my little EF will be depleted.

The only good news is that I can pay cash and added $3.56 to my challenge today brining my new total to $1878.25

Candle burners

March 25th, 2007 at 07:36 am

If you are like me and love to burn candles I say buy a candle burner for about $6. I bought one last year and have not needed to buy new candles, the wax melts and gives off a great smell then it forms again and I just place them back on the burner, I have saved a ton of money on candles.

When it rains it poors

March 24th, 2007 at 07:30 pm

Well my a/c gave out I asked my uncle to take it to his friend the mechanic at the Toyota dealer and of course he hasn't. So I said to myself I will only ask once, so I drive to my mechanic and he was going to put anti-freeze in for free only to find out that the compressor is goneFrown Now I am looking at $200+ for a compressor and only God knows what in labor. My mechanic stated he was going to shop around first for a better price...keep your fingers crossed but I will not put off for a whole week; not in sunny hot FL. Now two weeks ago I went to the dentist,that was $330 and now I have an appointment on Tuesday which is another $330 (for the crown) next I had to pay my car insurance ($182) for 3 months and tuition is due mid April ($948) My EF has gone from $1800 to about a $1000 I am happy I had one but when it rains it poors. Now I am feeling down in the dumbs.

I was able to work some OT this week at my part time job so that hould help some with the crown, but I have got to get my car fixed ASAP

Oops, I forgot I added $1.35 to my challenge today
New total $1874.99

No spend day

March 23rd, 2007 at 05:47 pm

NSD today so a buck goes into the challenge. I am so proud of myself I did not eat out today (brown bagged it)

New total $1873.34

Fridays' error

March 22nd, 2007 at 07:00 pm

Ok I went to the bank because Friday's over charged me by $3 on a transaction last month. It is a good thing I keep all my receipts (for the year...lol). Any how, I go into the bank today and the rep was making little faces and little remarks to the manager, I politely told him I know it is only $3 but it is my $3 and if Friday's over charged 30 people a day by $3,that would equal $90 for the day and $2700 for the month and another $32,000 for the year. So they gave me a refund and that was the end of that story.

I am adding this $3 to my challenge which is now $1872.34

Thank God for an EF

March 22nd, 2007 at 11:31 am

I am so glad that I have been saving, my car will cost an arm and a leg, thank God I have my EF. I went in for breaks and ended up getting my oil change because at wal-mart it maybe less but it is an all day afair. Any way breaks and spark plugs $165 with tax next thing I know my mechanic is calling stating I need CV joints, he said they were really bad which I thought they were so another $150. Now my little car will be a happy camper, you know I do not feel stress,
I guess that's because I have the money to pay for it

$20 challenge

March 22nd, 2007 at 10:15 am

I had to buy lunch today because I decided to take my car to the shop and did not pack anything. So $3.33 added to the challenge, I was actually doing pretty good this week in regards to eating out.

Now I am just waiting to see how much my brakes will cost. My uncle actually put them on, I thought he was having his friend the mechanic do it but he did not if I had know he would be the one putting them on I would have taken it to my mechanic. Anyhow that was $80 wasted so now I am here waiting on my mechanic let's see how much he will charge, at least he is not charging me for the anit-freeze

challenge total $1868.41

Paday

March 21st, 2007 at 07:07 pm

Tomorrow is payday from my part-time job, I have $31 dollars left in my checking account so I am adding this to the challenge Smile

New total $1865.08
I am getting some OT this week (3 hours) so of course I will be adding this amount as well

Sold

March 20th, 2007 at 05:53 pm

Another book on Amazon for $9.40 that is. I will be depositing this into the challenge as soon as it's deposited to my account

Actaully I am editing this post, i will deposit the funds to my challenge

New total $1834.08

Stair challenge

March 20th, 2007 at 02:16 pm

Took the stairs today so I am adding a buck to the challenge

New total $1822.23

Thanks Ima

March 20th, 2007 at 11:12 am

Ima gave me a great idea. I decided that if my budgeted amount is less than what I pay on my monthly bills, I will add the diffrence to my challenge

Electric less by $5
water bill less by $3
Total added to the challenge $8
New total $1821.23

thanks again Ima

$2 added to the challenge

March 20th, 2007 at 10:41 am

I am really making some head way, I just added $2 to my challenge upping my new total to $1813.23. No spend day. Thursday, I get paid from my part-time job and will be making my bi-weekly deposit ($100) I can not wait unitl I am at $2000

Adding to the challenge

March 19th, 2007 at 06:26 pm

Added $2 to the challenge, even though I packed my lunch today I did not think it was enough so I bought a small container of chinese rice(after I had my lunch). Well I ended up having it for dinner, I really wasn't hungry I guess I let my way of thinking take over...lol

new total $1811.23

Money...magazine that is

March 18th, 2007 at 06:38 pm

I have gotten obsessed I think with finances. I read every money article in the paper, I love the Wall Street Journal (never before) and now I have just subscribed to Money the magazine for 24 issues at $20 not bad since they are $3.99+ tax on the stand. I wish I knew some one who could have given me their copies but oh well.

Finally able to see the light

March 18th, 2007 at 09:43 am

I am continuing to add to my challenge account/home account and I can really see the light. By simply adding loose change and a few dollars here and there I was able to up my account now to $1809.23

I am sooo happy, I always talked about saving for a house but never have and since I have joined this site you guys have really helped me to stay focus

Happy St. Paddy's Day

March 17th, 2007 at 07:39 am

Hope the luck of the Irish is with everyone today

What is going on?

March 15th, 2007 at 07:50 pm

In America that is, this poor little boy Christpher Barrios found dead today. How could people harm children? I see my little nephew and I just want to hug and kiss him to death. It really just breaks my heart, kids can't even play out side any more...I am just torn apart. Then you have this other idiot who stabs his 11-month another woman is taking a bad with her baby who drowns,oh boy

Paday

March 15th, 2007 at 04:51 pm

Tomorrow is payday which was a shocker to me because it really is Monday but the boss paid us early and I am happy. Anyway I already set up payments and set aside some money for savings

$68.14 Direct TV
$97.81 Electric
$182.13 Car insurance (3 months)
$348.08 total
$25 IRA
$40 Tuition Fund
$20 New car fund
$130 EF
$10 Misc fund (MD appointments, stuff like that)
$87.12 Challenge/new home fund
total saved $312.12

other
$20 Tithes

Amazon payment

March 14th, 2007 at 05:03 pm

I received my Amazon payment today, I already deposited this money to my challenge home account in the amount of the actual sell but today the deposit was for $8.10 so I deposited an extra $4 to the challenge... better that than spending it. So I am adding this amount to my EF, trying to get tat total back up. Today I also did not spend any money so I added a $1 to the challenge and then rounded up my change and added $.33.
New challenge total :$1713.89

paid balance due

March 13th, 2007 at 07:52 pm

Went ahead and paid the cc balance from the charges over the weekend I was thinking about waiting until Monday which was payday but I could not stand seeing a balance so I took the money out of my EF. Now I went from $1841 to $1121. I went to the dentist so that was $330 kept $50 in my checking account and now I am thinking I wasted sooo much money. About a $100 was for meds, I won't beat myself about it but come payday atleast $500 will be deposited to my EF account I just won't be able to add to my house, car and tuition fund Frown
I am due to see the dentist on the 27th but I am chaning that to the 15th because I plan on socking away my last check for the month, I have got to get my totals/balances back up ASAP

big scare

March 13th, 2007 at 07:32 pm

I am in my room alseep when I hear my mom cry out it sound like she was sayig my uncle died in a car accident thank God that was not true.

He was in a really bad car accident and totaled his car however he walked away with out a scratch.

He was taking a family friend to the airport and a tracker trailor hit a car in the north bound lane on I-95 causing that person to loose control and end up in the south bound lane (my uncle's lane) hitting him head on. It is amazing because accidents like that on I-95 are usually deadly. I am just happy he was not hurt. Now one of the passengers in the car with him has two broken fingers but that to me is minimal

Friend in trouble again

March 13th, 2007 at 07:24 pm

You all know I had this friend who wastes money and we had a big argument a while ago. Anyhow I ran into a mutual friend who said that she is still at it. She is planning a trip to Jamaica and wants her ex to pay for the kid's ticket because she can not afford it. But I am thinking if you can barely pay for your own ticket then maybe you can not afford to go. I wish she would really get her act together, I mean don't get me wrong we all make mistakes and Lord knows I have but when you have children I think some things you can do with out. Now she is upset with her ex because he tells her that is why he pays her child support and he will not buy the ticket. I agree that child support should be spent on the kid not a trip to Jamaica that you obviously can not afford or a new Lexus truck that you can not afford

Mid Month totals are in

March 13th, 2007 at 07:12 pm

Wow I have been spending like crazy, I have got to return some of those things I bought over the weekend no later than Thusday. I was looking at my spending for the month and I already went over my budget of $43 for dining out by $10, gift total is high so is clothing I just can't believe all the money spent...at least I can slow it down before the end of the month

Expense Categories
Healthcare : Dental $365.00
Personal Care $168.36
Taxes : Federal Income Tax $130.28
Clothing $124.78
Miscellaneous $109.04
Groceries $108.84
Taxes : Social Security Tax $85.78
Bills : Cellular $73.77
Bills : Online/Internet Service $60.52
Dining Out $52.81
Healthcare : Eyecare $41.89
Bills : Water & Sewer $41.39
Gifts $33.36
Automobile : Gasoline $30.72
Taxes : Medicare Tax $20.06
Charitable Donations $20.00
Leisure : Entertaining $20.00
Sales Tax $18.25
Healthcare : Prescriptions $15.00
Household : Laundry $10.00
Job Expense : Non-Reimbursed $8.67
Bank Charges : Service Charge $1.50
Leisure : Newspaper $1.25
Bank Charges Atm fee $1.00
Total Expense Categories $1,542.27

Grand Total -$1,542.27

$20 Challenge

March 12th, 2007 at 07:58 pm

Added $2.72 to the challenge today, simply rounding up my change

New total $1711.99


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