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Archive for December, 2008

Happy New Year

January 1st, 2009 at 03:09 am



Just wanted to wish every one a safe prosperous New Year

End of the month

January 1st, 2009 at 12:05 am

Well my numbers are in and compared to last year I did much worst. My income dropped about $6k since I quit the part time job and all my expenses were too high

Total Income $30,816.86

Expense Categories
Automobile $1,620.29
Bank Charges/Finance $126.72
Bills $36.00
Cash Withdrawal $35.00
Cellular Services $745.83
Charitable Donations $225.00
Clothing $3,323.76
Dining Out $701.58
Education $1,166.69
Entertainment $55.00
Gifts $609.02
Groceries $2,037.73
Healthcare $5,386.66
Hobbies/Leisure $134.96
Household $815.28
Hurricane Supplies $100.14
Auto Insurance $895.47
Internet $481.39
Job Expense $31.78
Leisure $9.00
Loan $1,130.33
Misc. $7,019.17
Personal Care $1,529.21
Phone/Wireless $43.47
Services/Memberships $172.00
Snack $15.10
Taxes $4,619.09
Travel/Vacation $440.19
Utilities $2,118.12
Expense - Unassigned $2,260.76
Total Expense $37,884.74

Transfers
Auto Loan -$2,136.12
Grand Total -$9,204.00

Total cash on hand $3678.02

45 minutes

December 31st, 2008 at 11:45 pm

On the eliptical and I also burned 309 calories so I added $1 to the challenge debt. Today is the last day of the year and it seems like I have gone backwards but I'm looking foward to a new year. I have to go through my expenses and am afraid to even look, but oh well

Lunch worked out

December 31st, 2008 at 06:12 pm

I was upset because I left my lunch at home and then I remembered I had a GC for Sweet Tomatoes Big Grin so the only thing lunch cost me today was .49 so I added $1 to the cc debt for dining out and $7 to my challenge house fund because that is what I would have spent had I not had the gift card

Darn it

December 31st, 2008 at 01:14 pm

I was doing so well these last few weeks and today I forgot my lunch, arrrrrrrrgh
So now I have to buy lunch which burns me
In addition, I had breakfast at home so rather than adding my $2 for not dining out I was only able to pay $1 towards my challenge/cc debt because money is really tight until the next pay period
I also had to cancel my oil change and tire rotation but that's ok because I have a little more than a 100 miles to go before I actually need to take care of this

What a work out

December 31st, 2008 at 04:38 am

After the day I had I went to the gym and worked out longer than I ever had. 1 hour on the eliptical and I wasn't even tired, I couldn't believe it. I remember there was a time that after 10 minutes I would be dizzy and huffing and puffing but not tonight; I felt great. Then I worked on my legs, arms and abs, I am so proud of myself. Tomorrow it's just cardio and abs
The eliptical said I burned 425 calories but since I worked on other things I wonder how much I really burned

What a day

December 31st, 2008 at 12:23 am

Well I have a lot to blog about (sorry for the long post)
First, I just realized that I am going to have to cancel my appointment for an oil change as well as tire rotation until next pay period and besides I still have about 200 miles to go before I actually need one. I also have to cancel my dentist appointment for the crown until mid February. I totally forgot about my storage bill of $48.47 this amount is automatically charged to my BoA cc on the first so I went head and paid it in addition to adding $2.00 for going to the the gym

Now on to family and friends, My mom and I go to TJ Maxx home store and on the way she says oh I left my CC but I am not buying anything (my mom is a saver and will save every dime so I wasn't worried) But we get to the home store and she finds some things and asked if I can charge Arrgggggghhhhhhhhhhhhhh!!!!! I am so annoyed because I do not want to charge anything, I MEAN NOTHING. I know my mom will give me the money that's not even the point because she's good about paying bills and saving ( I wish I was more like her when it comes to money) but I simply do not want to charge thing any more bottom line; needless to say I charged $48 worth of stuff


Now my sister (oh boy) About 2 weeks my sister called to borrow $300 I lied and told her I had the money in a different account and if I transfer the funds it will take 2-3days before I can get it. So she says to me go ahead and transfer the money and I will call my uncle. Well she called my uncle who loaned her the money. She paid him back. Well today she calls and she says to me, did you transfer the money? Well she caught me off guard and I said to her no because you borrowed the money from N. She then says well transfer it because I need to pay my rent and she'll give it back to me next Friday. Now this is my savings for my new house and I do not want to touch it but I told her it was the money for my tuition. If was I thinking I would have told her I already used it to pay my tuition (lie of course) Now when she borrowed the money two weeks ago, it was to pay her rent (of course she was late) now two weeks later she need to borrow money again. It is obvious she can not afford this place. I told her when she was looking for a place to move into a two bedroom but because her two boys was going to live with her and my BIL. But according to her they needed their own space and she wanted them to be comfortable (These are grown $%$% men). First of all she just lost her house, which was a 3 bedroom; how come the kids couldn't share a room and if they wanted their own space then they should buy or rent their own place. Then her and my BIL separated about a week after they moved into this 3 bedroom apartment, my middle nephew who is so disrespectful cussed her really bad and moved out (mind you he’s in his twenties and do not work so it wouldn’t make a difference if he was there or not) and now her youngest son has decided to live basically with his girl friend and go to her place (my sister’s) to eat and shower. Come on !!!!!!!!
Either way I said Ok but she won’t get it until close to her payday to ensure I get my money. I will tell her the funds were transferred on Tuesday and if she's late with her rent then that is her problem

On to a friend of the family. My brother use to date this woman who had custody of her grandson after they broke up she stopped her grandson from seeing my brother. Ok we have not seen him in years I would say maybe 10 (he’s 18 now) well all of sudden he started coming around and I had this bad vibe about him, couldn’t put my finger on it. So my mom and uncle would give him a few dollars here there. First he tells my mom he has a job, only to tell me that he never told her that. Then he comes here with a necklace that is worth $600 but he is selling it for $50 hmmmmmmm. Anyhow his uncle is still friends with my brother and told my brother to let us know to watch him because he has been breaking into homes (I knew it was something) Well for about 3 weeks he has not been here and today he shows up. Asking my mom if he and his girl friend can move in because his grandmother put them out accusing them of using her credit card and charging $1600. WHAT! He say’s that there were times when she (grandmother) would send them (he and girlfriend) to the store and they never remembered her pin number and would have to call her for it, yeah right. And the kicker is who ever used the cc withdrew $400 one day and went to the mall the next. Yeah and we’re suppose to let you move in?

Now after I had a chance to calm down from today’s events my phone rings and it is my nephew (my sister's son) can he borrow $10…WTF!!!!!! I am really pissed because my sister had previously informed me that on Saturday he came home to let her use the car (hers was repoed) she goes on to tell me that on Saturday he comes in and ask to borrow $10 for lunch and he was paid on Friday. Now why is it Saturday and you do not have any damn money? You’re not paying rent, water, electric or anything else. He’s got this girl friend with a baby who I think is taking advantage of him. First of all he has a learning disability in addition to schizophrenia. The girl friend who is not from the U.S. is dying to get married. First it was her mother with only a few months to live and they needed to get married, next she was moving to Canada and needed to get married then they were going back to Haiti and needed to get married…unbelievable

I cant wait to get to the gym to release some stress

$124.12 Left

December 30th, 2008 at 09:09 pm

Well I have a $124 left in my checking 1 account to last me for two weeks but I have to get an oil change and have my tires rotated which is about $80. Oh I forgot I have about $40 left in cash. Maybe I'll put the tire rotation off until next pay check
Glad I was able to fund my house/EF fund not by much but something. My goal is to not spend a dime on anything if I can help it until next pay period
Income
Wages & Salary
Gross Pay $1,174.13
Total Income $1,174.13

Expenses
Cellular $101.47
Charitable Donations $20.00
Car Loan - Interest $118.27

Mom's cell $40.00
Taxes
Federal Income Tax $121.74
Medicare Tax $17.02
Social Security Tax $72.80
Total Taxes $211.56
Utilities
Electrcity $113.97
Total Utilities $113.97

Total Expenses $605.27

Transfers
Auto Loan -$263.02

Income less Exp $305.84

$20 challenge

December 30th, 2008 at 01:59 pm

Added $2 to my challenge/cc debt; had breakfast at home
So far I am doing pretty good with not dining out for breakfast or lunch

Pay day and I'm broke already

December 30th, 2008 at 03:33 am

Went to the gym and paid $2 towards challenge/cc debt
Tomorrow's payday and as I'm going through my up coming bills and I'm broke already.
$381.29 Car
$25 IRA
$113 Electric
$40 mom's cell phone
$100 my cell phone
$43 water bill
$20 church
$70 EF
$10 misc savingsI haven't decided how much goes towards the house fund yet, plus tuition is due

NSD

December 29th, 2008 at 10:42 pm

My day is over, when I leave here (work) I'll be heading to the gym.
Anyhow I did not spend a coin today but
I added $2 to my challenge/cc debt,for not buying breakfast or lunch
Plus I got $3 from Pinecone so I added that to my challenge/home fund

Good day

December 29th, 2008 at 02:33 am

I am so proud of myself; I managed to hit the gym ($2 added to my challenge/cc debt) and completed a full work out. In addition, I washed, colored and curled my own hair which saved me $35 so $35 added to my challenge house fund (bal $1192.82). The goal is to up this account by $500 each month. I also had breakfast and lunch at home so $4 was paid on the cc debt). All in all today was a good day

Wasn't in the mood

December 28th, 2008 at 05:31 am

To go to the gym that is. I guess this is the two week hump I heard about. Today I simply wasn't in the mood but I went any way since I'm paying for it. I did do the 20 minutes on the eliptical but only 30 crunches instead of the normal 50

Tomorrow I'll get up early and make up for tonight
either way $2 was added to my debt

Surprise

December 27th, 2008 at 02:58 pm

My brother and his family are on their way from GA to surprise my mom, how long they are stating? I have not idea but either way it will be too long. I love my brother and his wife who is really nice but they drive me crazy. My nephew I adore but he's such a whiny little kid it drives me crazy and my neice, my SIL's daughter hmmm I just don't know. The thing is, is that we really don't have the space so we'll basically be on top of each other which is the problem that I have. Either way, they'll be here and I would have to deal with. I am hoping and praying that the $25 GC from mypoints arrive today so I can give it to my neice as a Christmas gift otherwards I would have to give her cash Frown which I am not hoping for
On a different note I had breakfast at home so I am adding $2 to my challenge cc/debt

1:55am

December 27th, 2008 at 07:02 am

It's 1:55am and I just left the gym took a quick shower and now am catching up on all my recorded programs. I'm so glad that I joined the gym, not only am I losing weight but I'm feeling much better
$2 towards the cc

Wasteful spending

December 27th, 2008 at 03:41 am

Went to Publix because I needed some bandages and neosporin for a hang nail that is going to be the death of me.
In the mist of my shopping I was feeling lucky so I bought a $1 scratch off and didn't win a thing so $2 is added to my house fund...not lucky after all

$10 a week

December 26th, 2008 at 11:07 pm

I just transferred $10 to my challenge/home fund and decided to transfer $10 a week to this fund, not much but a start. I also notice that I did not included $21 from Pinecone and $15 from lightspeed so my new total is $1155.82 a little less than $10k to go Smile

Challenge

December 26th, 2008 at 07:16 pm

Went to the gym today and also had lunch at home so $4 added to challenge/cc debt
All in all I did not spend any money today other than adding a total of $6 to my challenge/cc debt
I figure $6 a day for 30-days will give me a whopping $180 towards the cc...we'll see

Breakfast at home

December 26th, 2008 at 03:18 pm

Ok I had breakfast at home today so $2 will be added to the challenge/cc debt. In addition, I am on my way to the gym but won't add those $2 until I have actually gone and worked out, any thing could happen

2009

December 26th, 2008 at 04:00 am

Well for the new year I am setting goals for myself, so here they are


•Pack lunch
•Have breakfast at home
•$5k in EF
•$10K towards new home
•Complete school
•Contribute more to IRA
•Keep up with my blog (it helps me a lot)
•No new clothes
•Twice a month at the hair salon

Well rested

December 26th, 2008 at 02:35 am

I should be well rested, I slept majority of the day.
I can say this Christmas I made out like a bandit; I only spent a total of $4 and some change on gifts. Thank goodness all the toys were given to me for my God daughter and her sister, my nephew and the two other gifts I bought I had $10 JC Penney coupons so I only had to pay the difference
Mom made the roast beef that I loved so dinner was great. Unfortunately I have not heard from the guy I had met which I was a little down because of that but oh well. I made a point to not call him any more I was hoping things could have worked out but after my trip there and the way he was acting I knew deep down that things were not going to go any where
On different note I did not spend any money today so $2 was added to my challenge/house fund

Happy Hollidays

December 25th, 2008 at 01:49 pm

Just wanted to wish every one a joyous and safe holiday

Merry Christmas





Happy Kwanzaa

Darn!!!

December 25th, 2008 at 03:10 am

Darn it I had over drawn on my checking 1 account. I thought I paid the cable bill on a different account so $19.63 was transferred from my EF to cover today's transaction Frown But what is bothering me is that there is no fee being shown and I am sure they'll be charging me and I have no clue what the charge would be to transfer funds
Further more I got off work today at 3 and the gym closed at 4 so I was unable to make it today which annoyed me and they'll be closed tomorrow, so 2 days missed
What a way to end the week

$10 off at Macy's

December 25th, 2008 at 12:23 am

Not sure if anyone could use this after X-mas coupon at Macy's but it's $10 off a $25 purchase
I'll be using it for a $15 gift for my nephew's birthday


http://www1.macys.com/dyn_img/site_ads/AfterX_Mas-10off25.pd...

Lunch

December 24th, 2008 at 07:22 pm

I decided not to bring lunch today because the boss always take who ever wants to go out for lunch, well today he decided he was going out with an old friend so I had to buy lunch Frown Cost me $5.17 so I added $10.34 (matched the amount spent) to my challenge/cc

$2 added to the challenge

December 24th, 2008 at 03:48 pm

Added $2 to the challenge for having breakfast at home

$2 here $2 there

December 23rd, 2008 at 03:47 pm

Well I made breakfast again so $2 was added to my challenge, I am truly loving being back on track with knocking this debt down

Surveys

December 23rd, 2008 at 02:40 am

Went through all the surveys I particpate with to see if I had any cash haning around to collect and here it is
Lightspeed $15
Pinecone $21
Surveyspot $7
Surveysavy $3.50
Inboxdollar $28.34 (this was after they charged me a $3 processing fee)
Total $74.84
All in which once received will go to house fund
Oh and I forgot went to the gym so $2 added to the challenge as well as I ate my packed lunch so another $2 added

Christmas Blessing

December 22nd, 2008 at 10:19 pm

I was so Blessed today, a patient brought in gifts for everyone's kids and even though I do not have kids he gave me gifts for my God daughter and her sister two gifts I do not have to buy nor could afford...one was even a bike
There are some kind people out there

Surveys

December 22nd, 2008 at 08:07 pm

Added $21 to my house fund (one of my challenge accounts) from money earned from Pinecone


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