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Archive for October, 2017

No Spend Day

October 17th, 2017 at 01:04 am

First day in weeks that I did not have a day in that I spent money. I'm soooo happy. πŸ˜€

I looked over my budget and what I've actually spent, so far I have over budgeted by $10.44. Hopefully I can continue on this trend for the remainder of the month. What ever money is left from budgeted expenses, I'll just add it to the EF.

Though I haven't cut up the credit cards πŸ’³ yet, I've given them all to my BFF today. I told her that no matter what do not give me those cards πŸ’³. One thing with her is that she is great at keeping me accountable. I can honestly say I haven't used the cards since April until the hurricane in September. I told her that if a storm comes and I ask for it, she should remind me that, that's what the EF is for.

This journey is tough but I know I can do it

$744 a month in CC

October 16th, 2017 at 01:16 am

Sitting at my desk updating my spending spread sheet and realized I spent almost a grand on paying CCs.

It is absolutely ridiculous what I pay in credit card debt. This pay period alone I paid out $744. I'm so disgusted. I don't even know what I bought and when. πŸ˜‘πŸ™„πŸ€¦πŸΎβ€β™€οΈ

$744 can be used for other things like saving for a house, car and retirement and I'm paying this amount on DEBT!

I think the positive thing out of this situation is that I realize it's ridiculous, I've stopped using the CC and I at least have money to pay the bills every month.

Once I hit baby step one of the Dave Ramsey plan I can start tackling this debt, I can't wait.

I've upped my saving amount from $30 to a $100 the next pay period. Reducing spending in other areas.

Just another Saturday

October 15th, 2017 at 12:45 am

Budgeted $80 for my hair but it should have been $90, so I decided not to go this week and will go next week only spending $45.

Today was a crazy day, yet slow day. I had a sorority meeting that I just didn't feel like going to so I stayed home.

Secondly, did some shopping at Wal*Mart for a few items and a gift card for a baby shower. Would you believe they only had gift cards for restaurants? πŸ™„ So I had to go to another store.

I never did make it to the baby shower, and then the fiancΓ© and I headed out to get wings.

I decided to wash my own hair, I was thinking I should had the $45 I would have paid today had I gone to the salon, to my pocket money envelope.

Now I'm just here, watching Alabama beat up on Arkansas. πŸ˜€

Numbers are in - first time budgeting

October 14th, 2017 at 01:18 am

Last year I was really slacking with my finances. I wasn't balancing my accounts and Go Daddy charged me $180. Didn't catch the charge until about four months later. I thought, I had cancelled the service, but low and behold they charged me again. Ugh! Thank goodness I'm on top of things now, I jumped right on the phone and called them. Now I'm waiting for my refund.

Meantime this charged caused me to go over my limit on the CC incurring another fee😑. I'll be reaching out to BoA to get this taken care of first thing in the morning.

Some good news, I took a look at my spending habits for the last two weeks and I did pretty good for a first time budgeter (new word)lol.

The pluses (+) mean that I actually had money left over and I did not go over my budget.

The negatives (-) represents the amount I went over what was budgeted, so here we go.

Charity +$20
Groceries under budgeted by -$3.57
Savings balanced
Housing balanced
Utilities -$5.56
Personal +$40.85
Debt CC +$26.00
Insurance +$63.36
Medical +$35
Transportation balanced

I'd say I did pretty good as a first timer. I prefer the per pay period/zero budget vs by month, that seems to work for me and provide me a sense of accomplishment.

Another good note I received my Wal*Mart Saving Catcher credit and was able to get my nephew tablet for his birthday for free. Not bad.

End of the First Period of My First Budget

October 13th, 2017 at 12:54 am

Received my $14.84 check from Ebates today, I'm adding this to the EF.

Well tomorrow starts a new pay date and a new budget. I'm so loving this budget thing. I can't believe I've never actually created a budget and stuck to it.

Just eyeballing the numbers, it appears as though, I have over budgeted a few items and have about $200 to play with. I can't actually add the extra to the EF but at least I have few funds to roll over since it's going to be a tough few weeks for me when it comes to money. Pay day is tomorrow, but following that the next paycheck won't be until the 31st πŸ™„.

For example, this last budget period, I budgeted $80 for transportation. I'm at little less than half a tank of gas right now and tomorrow's pay day. Due to the extra week in October this budget period, I had to add an extra $20 for gas. I spend, about $40 a week on gas πŸ€¦πŸΎβ€β™€οΈπŸ™„. So this applies to all other budgeted categories.

I can't wait to see how I did after the first two week's of budgeting. I'll be crunching the numbers Saturday.

$2.42 a gallon vs $2.44 a gallon

October 11th, 2017 at 02:33 am

For some reason I'm annoyed.

So I had $20.76 left in my gas ⛽️ envelope. Went to Murphy's, gas there is $2.42 per gallon. All the lights were on at the station but when I tried to go inside, the doors was locked and the attendant stated they were close. I noticed that people were using their cards, but I vowed to not do that.

As I was leaving, I saw a gas ⛽️ truck and figured I'd come back after Bible study πŸ“–, maybe they were low on gas. Who knows?

After Bible study I passed a Wawa, $2.42 a gallon. Went back to Murphy's because Wawa was too busy and of course the location (Murphy's) was still closed. I headed north to a Wawa closer to my house, gas there was $2.44 per gallon. Two cents more, but why am I so mad about it? It's only two cents, but I'm ticked off all the same.

In other financial news, I'm on track with my two week budget and am preparing for the next three weeks, since pay day is on the 31st.

As you all know, I do my Target runs on Sundays and create my meal plans based on the meat πŸ– I get. This week we had chicken breast wrapped in bacon πŸ₯“ . OMG 😲 it was delicious πŸ˜‹. Tonight I made hamburgers and tomorrow I'll make something with the chicken breast we have. This passed Sunday, there weren't much mark downs, I hope🀞🏾 this coming Sunday there is.

Gazelle Intensity - Thanks

October 8th, 2017 at 02:31 am

I love this site. I feel like I can share things that I can't share with family and friends when it comes to my finances.

Everyone here has something to offer whether you've always gotten it right or trying to get it right when it comes to finances, you all offer sound advice without judging and I love it.

Earlier today I posted about not spending $80 that I'd budgeted for a bill I had already paid. Well Credit Card Free reminded me that I need to be gazelle intense while tackling baby step 1, so I added the $80 to EF account. SNAFU suggested that I review my gifting for the holiday season last year so I'll be taking a look at what and who received gifts last year and making some adjustments.

Honestly, I'd really like to stay away from the gift exchange at the office. I'm going to review my zero balance budget for the next period to see if I can start earlier (wish I'd started earlier) socking away for Christmas. I think $500 should cover everyone. Maybe less, we will see.

Thanks everyone, I really appreciate all your help.

Slow day and I Love It!

October 7th, 2017 at 06:42 pm

Today has been super slow, and I love it.

It is the first time in months that I did not have to run an errand, attend an event etc.

I had plans to wash my hair, sew a few pillow cases, do laundry and review my finances but all I did was sleep. Now I'm up, watching a little TV πŸ“Ί reading blogs and surfing the internet. I just don't want to do a thing.

I think we are entitled to days such as this.

Poshmark, any advice?

October 7th, 2017 at 02:08 pm

Signed up for Poshmark to sell a few items. Has anyone one used this app to sell or buy items?

I have a few, bebe jeans I can sell and a few pants I've never worn. I figured, I can sell a few items and use this money for baby step 1.

Zero Balance Budget

October 7th, 2017 at 11:44 am

I hae created my 10/15 - 10/31 zero balance budget and realized a CC that I had planned to pay has no monies due, I've already paid it. So the $54 I budgeted I'll put in my EF. I'm still working on Dave Ramsey's (DR) baby step 1.

For the pay date 9/15 - 9/30 I still have $80 left over for car insurance that I thought was due. I have my dad's truck and it's $80 a month. I'd budgeted the money and went to pay but nothing was due. I'd already paid it. I decided to put this $80 into my sinking fund (car). My car is old, 2002 Toyota with over 215,000 miles. I have to start socking some funds away for when the time comes. Hopefully I'll get at least another 5 years.

I'm following DR advice utilizing the zero balance budget and the envelope system. I have the following left to last me until next Friday, October 13th.

Groceries starting balance was $80, ending balance $50.13. Not bad, I'll be adding another $80 on Friday.

Personal (e.g gifts, toiletries hair) starting balance $145, ending balance $55.48. On Friday this envelope gets $200. There's two birthdays, and one wedding, I have to buy gifts for. Plus there's bosses day. Ugh. I hate that we are going into the holiday season.

Transportation started with $80, I have $20 left. I will be adding another $80. This envelope is strictly for gas ⛽️, my commute daily to and from the office is 60 miles. I wish I could work from home just one day.

Recreation/pocket money has $95 left. I'm surprised with this. I thought for sure I would have blown through the $100 set aside in the first week. DR was right, it's a different feeling when money leaves your hand vs swiping a card πŸ’³ . You are very conscious about your spending. The upcoming budget period, I had to cut back in this category, due to all the upcoming CCs bills. I'll be adding $115 to this envelope. How I see it is, if I stay on this track, I'll have a nice chunk of change in this envelope and I could splurge at the end of the year. I'd like a new pair of earphones (wireless) and a new iPod.

Cleaning supplies started out with $25 and I still have $25. I'll be adding nothing to this envelope for the next period.

Only thing that gets me down and a tad bit discouraged is that the BF is not participating in the Financial Peace University activities. I need the class but he needs it more than I do. I've told him, I will NOT get married if his finances aren't improved. Just wasting my time but that's a different story.

Today I'll review my weekly spending, sew a few pillow covers for gifts, and do a little work for the office so that I can catch up.

Had a phone interview with a recruiter. Position is closer to my house paying about $15k more. She liked me and will be moving me forward to the hiring manager.

What's Happening in My World

October 6th, 2017 at 01:37 am

Things have been a little low key today.

Super busy at the office, one fire after the next. One of the girls offered to take me out for happy hour, she knows that I'm on a strict budget. Even though I budgeted $100 for dining out and entertainment for two weeks, I still said no. I didn't not want to spend my money on eating out. Dave Ramsey is really working on me. My co-worker insisted and stated she would buy so I finally said okay.

Upon arrival to Chili's 🌢 I ordered from the bar menu and ordered fries, a drink and wings, total about $17. I offered to pay for my meal, she insisted that I do not, so I left a $5 tip. I'm things worked out the way they did because I still have $95 to last me until next Friday. πŸ˜ƒ

After leaving chili's I filled up my car πŸš—, $27. I'm hoping that this last until next Thursday because I only have $20 left in this week's budget for gas ⛽️.

I've completed my zero balance budget for the next pay date. Things will be tight. I have a wedding (gift 🎁), two birthdays (🎁); Halloween πŸ‘»(🎁) Boss' Day (🎁) and refill on contacts. Because of all these up coming items that cost money, I had to cut some things short. For example, my dining out/ entertainment and saving contribution amount was decreased 😒.

Since I'm all about saving, I did a little research and found a cosmetology school that provides pedicures for $10 vs the usual $20. I'm going to give them a try.

Lastly, I have a phone inter tomorrow. I love what I do now and the people I work with, but the director of the department makes things extremely difficult.

That's all I have for now.

What a day

October 4th, 2017 at 12:29 am

Next week is payday so I created my zero balance budget. I'm really liking this. So far I'm only a week in but I'm doing great with budgeting items each pay period. I prefer this method vs the monthly budgeting system. Looks like I may have some cash left over πŸ˜ƒ

Today was my annual anniversary and review, things did not go well. I was really taken aback by the non-factual things discussed. Either way I'll submit my responses. I like the job and I'm praying that this woman is removed. I was furious, but I have faith, so I'm over it.

So much today, a good friend lost her fiancΓ© today, due to a heart attack, my heart aches for her. Death is inevitable we know but it's extremely tough.

We finally have a court date set for the 30th of this month, regarding selling the house, please keep me in prayer.

Just Rambling

October 3rd, 2017 at 07:26 am

So I get home today and CC4 that I have not used in quite sometime, over 6 months, but paying off has been increased my limit to $7,700 (odd number) just before the holidays. πŸ™„πŸ€¦πŸΎβ€β™€οΈ

I don't need any more credit card debt so I'll keep the card where it is.

On a different note, I'm loving the envelope system. Dave Ramsey (DR) was right. If you feel money, and watch it leave your hands, you think twice about spending it.

I have about $50 to last me until next Friday, in the grocery envelope . So while I was in Publix, I needed spaghetti. I normally purchase Mueller, but Ronzoni was BOGO. I'm sure you guess what I bought. Not only did I get a BOGO, iBotta has $0.50 rebate, plus $0.25 on pasta; therefore the two cost me $0.84. Not bad. Just the thought of being smarter with my money is awesome.

I Need Your Help Please, Purchasing Life & Disability Insurance

October 2nd, 2017 at 10:17 am

Hi all πŸ‘‹πŸΎ

I am considering purchasing term life insurance and wanted your input on the best option for me.

I have no kids and currently do not own a home. I have a ton of debt, close to 100k, over half of this is student loans. I've purchased a plot for me to buried next to my dad so we are good there. I've told my family no funeral, just a grave side ceremony. Funerals are too expensive. I'm 43. I was considering a term life of 30 years, at 50k. I figured, I'm paying down debt did not need anything over that. For the year, Zander quoted me about $250. My current employer offer basic life but that's just 1x your annual salary.

Can you all weigh in? I truly value your opinions.

Oops, what are your thoughts on LTD? 2 years, 3 years? I'm currently at $48,000 annually.

Target Run: Meal Plan

October 1st, 2017 at 08:13 pm

My meal planning is contingent upon what deals I find at Target on Sundays.

Today, I picked up two packs of thin chicken breast for $2.99 and two packs of three chicken kabobs for $3.99. Not bad, I'm just disappointed there weren't any packages ground beefs on sale.
Target also had grapes on sale for $.99 a pound, bought two pounds.
FiancΓ© picked up a pack of the Kuerig Folgers coffee for $10. Smh I told him I wanted my $10 back, this is ridiculous when he can get it for far less elsewhere.

This week's meal are as follows:
* Sunday Kabobs with rice
* Monday left overs
* Tuesday spaghetti and meat sauce
* Wednesday lemon pepper chicken drinks with a salad
* Thursday left overs
* Friday - Outback steak house. We have a gift card
* Saturday - homemade pizza

Oil Change Ripoffs

October 1st, 2017 at 11:22 am

Not sure if I spoke about this before but I'm sharing.

I went in for an oil change and asked for the weight of oil that should take me to 5,000 miles.

So I notice that when the technician placed the reminder sticker on my vehicle, that it reminded me to change my oil in 3,000 miles. So I questioned why? His response was that the sticker only can prints for 3,000 miles. My response was, how could that be, when you sell for $5,000?

Then I ask him to confirm that he did indeed provide me the correct weight. I drive 30 miles each way for work and keeping my car maintained is very important.

It's funny because when I went in for the oil change I thought it may have been too soon.

Moral of the story, watch those reminder stickers.