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Archive for April, 2018

Possible New Job

April 21st, 2018 at 06:54 pm

As you all know, my job is very stressful. I have the opportunity to leave, but it's basically the same distance (30 miles each way) and terrible health insurance ($5k deductible or $2500).

Long story short I'm struggling with what to do. The new position would be a mangers role and less people to deal with but the pay sucks. It's a nonprofit. I asked the hiring manager if they'd consider increasing the salary and she stated after 90 days but I don't know. I'm like I may as well
stay where I have some flexibility

CC4 is Officially Gone!

April 13th, 2018 at 03:55 am

Bye bye Target!

CC4 is officially gone, no more Target bills. This bill has been sitting around like an annoying bug for so long. I'm so excited.

I was having a bad week but to know that this card is gone, is a wonderful feeling.

Now it's on to CC5, hopefully I can get this this sucker gone by June. For some reason I thought I only had five cards left πŸ’³ but I actually have six, πŸ€¦πŸΎβ€β™€οΈπŸ™„.

Stressed

April 12th, 2018 at 03:42 am

I hate my job but I am truly thankful that I have one. There's some really evil folks in this place. Everyone has some sort of devotional on their desk. It's sad

Today I prayed for God's peace and ask that he lands me a job closer to home, same pay or even a little higher. Either way I'd love a job much closer to home. I'm really sick of these companies that mistreat staff.

On a different note I opened up a few Capitol One 360 accounts. I notice that having one sinking fund account isn't working for me. I'm constantly using the money for car repairs. So sinking fund 1 is strictly for car maintenance and saving for car insurance while the others is for Christmas, medical and upcoming sorority expenses.

I've updated my side bar to show CC4 is paid off. Tomorrow after I pay my tithes, this sucker will be gone. Thank God! Only five left and this stupid student loan.

I reached out to my attorney to find out what the devil is going on with the sale of my dad's house. We are literally into three months from the court order πŸ™„πŸ€¦πŸΎβ€β™€οΈ. He screwed up and accepted a bid without my permission from my brother that was lower than the last bid, he's trying to tell me that's what the judge ordered so I asked for s copy of the order and still haven't received it. I'm really over this and quite frankly I don't care just sell this house and be done with it.

Geesh

I'm so stressed out it is taking a toll on me, I hate my job, want this house sold plus I'm in debt. Dave is right when he says the borrower is slave to the lender. Had I. It had all this debt I could quit that place

Interest Sucks!

April 10th, 2018 at 12:30 am

One thing I hate about debt and that is interest, πŸ€¦πŸΎβ€β™€οΈ.

Pay day is Friday and the new Target statement just hit today, new balance $308.48. I didn't update my side bar, because I'm paying this sucker off first thing Friday morning. That puts me at five more credit cards πŸ’³to go.

I was so upset and embarrassed that I had that many credit cards, then one day I read a Facebook post that someone had 32. I couldn't even imagine having that many, ugh! I'll take my ten any day over 32.

So once this card is paid off, that should free up about $350 a month. Not bad, with this extra money, I should be able to knock CC5 in about five pay periods, that means she'll be paid off by the end of the third quarter. I'm pleased because one of my goals was to pay off a CC each quarter, 4 for the year and I'm on track. Honestly, just thinking about it, I should be able to knock this baby out in 4 periods (August of 2018), the sooner the better.

Hopefully the house will sell and I can pay off CC6, CC7 and CC8. I'm going to fully fund my EF, the job is too unstable for me not to have 6 months worth of expenses saved. That's one of the reasons I put money towards BS1, even if it's $20.

Health Insurance Savings

April 8th, 2018 at 03:38 am

Last year I was an idiot, I did not complete my healthcare activities to earn the $25 credit with my employer and I'm the benefits administrator, smh.

Well this year, I decided to complete and I earned my $25, so I'll be paying $12 a month in health care. Though the insurance sucks, $5,000 deductible, and $10k out of pocket maximum, I'm happy to have the savings. I opened a medical account so each pay period, I'll deposit the extra $25. Next year I'm switching to the HSA plan that way I can save and roll over from year to year.

CC4 Will Be Paid Off Next Week

April 5th, 2018 at 07:13 pm

I've been on a very strict budget, for me that is. Today I went over my dining out/fun money by $6. But hey, I felt like Chinese.

So due to my strict budget I have not gone to the salon πŸ’‡πŸ½. Honestly, I look a mess, but I'm focused on my credit cards. There was a time I was going every week. I had budgeted for the next budget period, a $100 to see the beautician, it's actually about $110. Long story short, the SO came home tonight and handed me a $100 bill πŸ’΅. I was so excited but I knew I had to ask, "what's this for?" His response was " go get your hair done."

I had mixed emotions, one I was hoping he would have said do what ever, two I thought maybe he was paying a bill early (he's been caught up and doing very well lately). But when he said hair, I was sort of bumped. I wanted so badly to use the money for CC4. I know I still can, but at least when I get paid next week I won't have to use my money and I can still add to the CC. I know deep down, getting my hair taken care of will definitely up my spirits.

After he walked out, I looked at my budget, cut somethings, and low and behold, since I'm not spending the $100 on hair, I can and will be paying off CC4 on April 13th. I'm so excited I can scream. What a feeling, I can't even explain it.

Four credit cards down since last April and three since starting the Dave Ramsey plan in August. I'm averaging one credit card πŸ’³ every two months since August. Yes!

Next I should be able to knock CC5 out before June. Wow, my goal was to pay off one CC every quarter and we are only one month into to second quarter. Feeling super excited!

Tonight I remembered my word of the year, gratitude. I'm so thankful to be on this journey, though I'm stressed at times about my finances, seeing those balances shrink feels so good.

Thanking God for his grace, guidance and love without Him I couldn't have gotten this far.

Auto Pay

April 5th, 2018 at 05:48 pm

The item I sold on Poshmark was delivered today; hopefully the seller accepts the order, and I can deposit the $13.60 to my account.

I've bumped the cost of my items posted; hoping that I can get what I want for them but geesh, this is hard.

I set up auto pay for my cellphone πŸ“±, reducing my bill by $10 πŸ’° plus I ended up with HBO but I actually just broke even. Only good thing is I can call Canada πŸ‡¨πŸ‡¦ without any additional cost.

I'll be setting up my student πŸ‘©πŸ½β€πŸŽ“Loans for auto pay, I save 1% on the interest by doing so. I totally forgot to do this πŸ€¦πŸΎβ€β™€οΈ

Now I'm wondering if there's anything else I can set up with auto pay that will save me money πŸ’°

Update to post.
I went ahead and signed up for auto pay. I'm actually saving .25% on the interest. It won't stop the bleeding but at least the loan interest will take step backwards. I'm over this student loan.

Chipping Away CC4

April 4th, 2018 at 07:11 pm

Finally received my $50 back from a family friend. It was no sweat off my back because I knew he would pay me back, plus he's so good to my senior aunt who does not drive, that it didn't bother me. He actually left an additional $50 because he took so long to pay me back, I gave the extra money πŸ’° to my aunt. She's amazing.

I keep a buffer in my checking account but I'm going to take the $50 and apply it to CC4 πŸ’³ . The goal is to have this sucker paid off by the end of the month and meet my second quarter goal. New balance,$297.61 πŸ˜„. I haven't used this card maybe in about two years and now, it will be gone! Yay!

Different note, my mother wants my sister out of the house. My mom, and you all have read my posts, is an angry woman. She's absolutely miserable. I felt so bad for my sister. We have a spare room here so I told her she could crash here. I pray that one day my mother's heart ❀️ will soften.


Happy Easter

April 1st, 2018 at 06:54 pm

Happy Easter everyone πŸ£πŸ™πŸΎ

Today was a great day, for one I spent no money other than the $1.00 at church.

Secondly I made spaghetti 🍝 for dinner. Usually I go all out and have all this food left over that goes in the trash, this year I decided not to be wasteful.

My April goal is to walk πŸšΆπŸΎβ€β™€οΈ at least 20 minutes a day, I completed day one πŸ˜„.

Lastly, I plan on finishing up, "Unbanking of America," first time in a long time that I borrowed from the library πŸ“š and will not have to pay a late fee, I call this stupid fee.

I finally balanced my accounts so I'll be taking a look at my March spending.

Oops I almost forgot I sold an item on Poshmark tonight, $13 will be added to the EF