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Archive for November, 2018

I Did It!

November 18th, 2018 at 04:18 am

I did it, I told my SO to move by December 31st. He didn’t say a word, other than “what?” So I told him I want him out by December 31st again.

I don’t know, but I have a knot in my stomach from it. I feel bad but I know it’s for the best. He can not afford to live with me, he has way too much baggage he just refuse take care of.

Now the countdown begins.

I’m going to start looking for a part-time gig

Prayers Needed, 12/31 is the Date

November 17th, 2018 at 11:06 am

Today is the day. I spoke with a few friends and I’m giving the SO until 12/31 to move. I originally had a later date. I’m also nervous so I need all the prayers I can get. I’m nervous as hell but I know it needs to be done. Someone posted on my previous post to give a date, so the date as been set

I’ll be applying to both Aldi and Walmart for a cashier job, fingers crossed.

Stopping the bleeding

November 16th, 2018 at 05:11 pm

To stop the bleeding I have to pay an extra $200 a month on my student loans. Today I made my first $100 extra payment. I’ll be doing this each pay period. These things are highway robbery. It’s sad that any extra payment does not go to the principle first.

I’m writing my state senators and congresswomen and men. This is God awful

New Sinking Fund and Other Stuff

November 16th, 2018 at 04:43 am

Well as soon as you make it, it goes out. Today was payday. I took care of the following, tithes were paid, paid on both remaining CCs, took care of the cable (my portion for the month of November), added to my sinking funds; but what I’m most proud of was creating a sinking fund for the house 🏡.

I was planning on adding $85 a pay date to cover the HOA for the following year, but I bumped it to a $100. I’m thinking a little extra a pay date won’t hurt, in case they decide to go up.

Tonight I’m speaking with the SO I’m going to give him until December 31st to move. I figured one, he’ll know that I’m serious. Two, it will give him time to at least save to move. I plan on letting him know that I’m exhausted, that this isn’t working and I’m not going into the new year with his baggage.

2019 we would have been together for almost 10 years. Things actually went downhill once we moved into together, this was when I realized he is really really really bad with finances. Both of us were living with our parents. I had just lost my job and he was recently divorced. We dated for three years before deciding to live together and the only reason why that happened was because of my mother.

I should have known things wouldn’t be right. First sign I tried talking to him about how he wanted to split the bills, he was somewhat evasive. Then when it came time to pay to move in, he had his portion of the money the day of not before. Long story short it was downhill ever since. At first I thought maybe because his mother doesn’t pay him regularly but nope he’s just as bad as she is with money, if not worst.

Oops my low life brother has decided to go back after me. Smh my attorney called last week. Hopefully the judge will lock him up for frivolous case

Interest Rates Sucks

November 14th, 2018 at 04:14 am

Ugh interest🙄. Received a new invoice for CC7 that included an interest payment of $80+ , I went ahead and paid it off. I hate when you pay a bill another comes with the interest.

Looked at my student loans, ugh and what I’ve found is that in order for the balance not to increase and kill me I need to pay an extra $200 a month on interest, this will stop the balance from increasing, breaking even until I pay off the last two CCs. Now that the other cards are paid off, I can do that and still pay bills and add to EF. I hate interest 😡.

I’m opening up a separate checking account for the mortgage, and HOA. Though I haven’t closed yet, I want to jump start on socking away for this. Closing looks like December, that will give me 60-days to put things away and have two months saved.

Yesterday I woke up and the cable was off. Smh. I lost it, I called my SO told him I wanted him out. Told him that I can’t keep doing this, that it was mentally, physically and emotionally draining. I told him that I don’t need nor want his bad financial habits to cause me to lose my house and that he needed to go.

Came home after work, and the cable was on but it doesn’t negate the fact that he pays everything late, every three months the cable is off, and he does the bare minimum. I want him gone!

This weekend I’ll be looking for a part time gig, since the holidays are rolling around, this should be easy. Plus I should be taking on another department, that will give me a raise of about $12k, fingers crossed

That’s it have a good one everyone

Praise Report

November 9th, 2018 at 05:59 pm

Praise report. After paying off the three credit cards 💳 my credit score jumped by 47 points.

I got a revised closing statement and the mortgage will actually be $10 more than I’m paying for rent ($961). I’m thinking that once I close it will actually be less. Correction, this include the escrow.

Other news my idiot brother decided to sue me for the money my dad had in the bank. One I was the beneficiary; two all of it went to legal fees, burial and taxes on the property so good luck to him. Greed

Next, the idiot I have as a SO hasn’t given me one coin on the purchase of this home 🏡. Rightfully so, I guess Neva we’re not married but what get me is I tell him I had to put tires on my car, paid for with cash by the way, and I’m super excited. But he thinks a credit card 💳 was used (usually the case) and he has the nerves to say let’s rent a room to stay out of town. My response, how about you give me the money to pay a bill? 🤦🏾‍♀️🤦🏾‍♀️. Can’t wait for this to be over.

That’s it for now.

Update

November 2nd, 2018 at 01:23 am

Good morning all!

The house the debacle is over, I received my check and paid off CC6, CC8 and CC7 will be paid off today.

I decided to purchase the villa that I’m in. The landlord agreed to $140K, and the place appraised at $150K. The good news is by me purchasing the rent/mortgage will be cut in half. The extra money saved, I’ll put half towards EF and the other towards the remaining debt.

I still have the 8k saved so if anything comes up with the home that’s where I’ll dip into. I don’t include this amount in the sidebar.

We are also expecting to relinquish a high level employee, her duties will be split amongst managers so, I should be getting another raise. Upward of about $10k - $12k