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Archive for May, 2015

Woo hoo! Added more to My Challenge

May 30th, 2015 at 10:44 pm

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.



Gym and CC Payment

May 29th, 2015 at 11:44 pm

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.

New balances:
$367.50 CC3
52 Week/$20 Challenge $1738.01

Made it to the gym

May 27th, 2015 at 02:21 am

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.

19,000 Bank of America Points

May 25th, 2015 at 01:17 pm

I currently have 19,000 Bank of America points that I can cash out for $120. I figured I can use the money to pay down CC3 or I can wait until I hit 20,000 for $160. 25,000 points gets me $250.
Even if I cash in and get the $120 I can't add $80 to make a $200, that sucks. I can take the money out of my EF but I do not consider this to be an emergency.

I'll have to enter in receipts and balance the check book before making my final decision. I just really want this CC paid off, current balance $379.

I wonder if my CitiCard has a cash reward? 😳

Woman Wins $83 Million in Lawsuit Against Debt Collector

May 25th, 2015 at 12:33 pm

Read this article on the "Money Magazine" Twitter page and thought I would share, interesting .

http://time.com/money/3888136/83-million-debt-collection-law...

Extra Cash

May 24th, 2015 at 05:46 pm

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. 🏄🏾

Fasting and Saving

May 23rd, 2015 at 10:12 pm

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.

Wal*Mart Saving Catcher

May 18th, 2015 at 04:48 pm

I've been using the Wal*Mart saving catcher for about a month, and I've already earned $6.62. The funny thing is I find myself scoping out the parking lot for receipts, I've asked my mother to save me all her Wal*Mart receipts.

It's already the middle of the month and I haven't closed out accounts yet, I'm afraid to look at my spending. 😟

Oops I forgot, I earned $8 using ibotta app, can't wait to hit the $10 mark so that I can cash out

I'm trying

May 16th, 2015 at 04:03 am

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.

BF Sister in the Hospital

May 12th, 2015 at 03:22 am

So my BF sister was rushed to the hospital today. What concerns me is that according to my BF, the doctor who saw his sister today informed them that since 2010 she has had kidney issues( after reviewing her chart). This was a shock to the family because apparently no one knew, not even the patient.

The reason why I find this to be strange is that his sister is a diabetic, has had two heart attacks, heart surgery,and her feet is constantly swollen. Now given all of this, she has been to the hospital on multiple occasions but the boyfriend tends to believe that out of all the doctors, specialists, therapist, and nurses in the last 5 years that no one has ever mentioned to her to see a nephrologist. I just can't imagine, can you imagine the possible lawsuit? You're trying to tell me that her primary care doctor, cardiologist, endocrinologist, nurses, therapist, the hospital over a five year period missed the fact that she may have kidney issues. I beg to differ.
I'm no doctor but I know that swelling in diabetic patients can lead to kidney failure and no one seems to believe that she was ever told. Interesting.

Not much I can say, they're very sensitive. I'll just keep my thoughts to myself and say a prayer that things turn out okay.

Extra on the CC

May 11th, 2015 at 11:34 pm

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.

Saving Advice Notifications

May 10th, 2015 at 04:23 pm

I noticed that if I comment on someone's blog, and there are follow-up comments, I do not receive the notifications. My email address, is noted to receive notifications.

I do not receive the notifications when comments are made on my blog, I use to but I'm not sure what happened. Can anyone help with this?
I did check my spam and nothing.

Hit $1600

May 9th, 2015 at 04:39 pm

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

The Trip from H*%##

May 8th, 2015 at 10:48 pm

Well I finally made it to the Derby, and it was the trip from hell.

Normally the BF and I travel by ourselves, but for some strange reason we decided to travel with another couple, friends.

First, we got there the plane was delayed. Then we get lost and head into the wrong direction, we didnt make it to the hotel until 4am. Oops I failed to mention we asked our friends to rent their own car, we didn't push the issue but never again.

By 9am they were ready to get moving. With only one rental car, I'm annoyed. Keep in mind both me and the BF was up the day before at 4am, we both worked and didn't get in until 4 am, by time we settled it was 5:30 am. This is why you rent your own car. So we get moving at 12:30 but all the places I want to visit are closed due to the Derby. One place was willing to see us, we were about a hour and a half away but the friends stated we wouldn't make it. Normally the BF and I would have just went.

So we go ahead and head to the Oaks, I'm excited but the friend's husband decide to get into an altercation with a man who was hitting on his wife. Unbelievable. So now my BF is annoyed. We leave after the Oats.

Fast forward day of the Derby, we decide to leave at 12 but had to wait for friends about 30 minutes, again you should have your own car. Oops I didn't mention, my BF came down with a terrible cold or flu. We head out to the Derby, only to be stuck in traffic for over a hour. We then get ripped off by the taxi bike driver. We enter go place out wages and I'm ripped off by the teller.

We find a place to sit in the infield, big mistake, never again. Everything is going well but my BF is really sick. So my friends husband decide he wants to use racial epithets (the C word) now my BF is furious. Thank God I didn't hear him, because I know I would have said something. Long story short never again.

Now we return to the hotel and guess whose sick? Me.

That's it in a nutshell, mind you I kept somethings out.

I Need Your Help

May 6th, 2015 at 11:43 pm

Hello all!

It's National Mobility Month, and my friend Vaughn Mansfield is in need of your votes for a paraplegic van.

Please vote for him at

www.mobilityawarenessmonth.com/entrant/vaughn-mansfield-wash...