Warning this is a long post:
Wow seems like my year is not getting any better. First I did not get a raise this year, next I get the flu, some kind of way I fell back into old habits and upped my CC bill, mom has an infection with her toe, and my older brother who has been on his job 24+ years was just fired because he won’t stop smoking pot and did not pass a random drug test. I have not added to my challenge like I am suppose and am $2k behind on my goal. In addition y cable bill is now up due to increase rates $71

And today I get an email from the idiot I have as a boss on my second job stating that I dropped the ball. Basically a resident was discharged from one hospital and moved to another on Friday, I work on Saturday. Some one called and told security he did nothing with the information or from what I gather now informed no one. I then get a call from her neighbor who is concerned and followed –up as much as I could, once told by the security guard and former supervisor that he knew I assumed that my boss knew as well and went home

Here is a copy of the email I sent her as my response and of course she has yet to respond and I refuse to take the blame for this, the only thing I would have done differently was note in the log that I was informed by another employee that he too knew about the patient being discharged:

Let me clarify, I was informed by a resident that she was unable to reach Ms. X and that she called the hospital and was informed that she had been discharged. I did follow up, I thought by contacting the CC (skilled facility) in which I was told that she was not there, I later contacted the hospital and was on hold I'll say about 20 minutes (because of some emergency) I was then told that she was discharged. In addition, I called the resident's home and no answer. I also sent R (security) to check her apartment, after he checked her apartment I was told she was not there. So I re-read the notes in case I missed something....and nothing noted, had N (security guard/former supervisor) noted/followed up on Friday I think the problem would have been cleared up then. Anyhow, since nothing was noted I called Ms. X back trying to get as much information from her as possible, such as when she last spoke with her, and what the conversation was about. In the meantime N was in last night and mention to me that he knew Ms. L had been discharged from the hospital/not that she simply went out...so if he knew then I assumed that at the most J (supervisor) knew and what more follow up is needed if a former supervisor who knows company protocol is aware of situation as well has his/her manager is aware, what else is needed? What additional follow-up is needed?
I do not attend to come across angry but it does angry me that once again I am left holding the blame when clearly the situation was neglected prior to my shift an entire 24-hour later.
Have you spoken to N as to why nothing was noted? And if J was even aware? or anyone one else for that matter
If you have any questions please call xxxxx if I do not answer leave a message I am going to the library or email me I check my email on a regular basis

Now I am ticked off because not only did she accuse me of not doing my job but she did my annual review in which I only worked with her a total of 6 hours that right 6 hours for the year and was told that my appears was not u to par, mind you I wear a uniform that is always cleaned and iron. For the measly few dollars that one makes this little job is so stressful the entire place is ran like a circus. People are promoted based on who they know and not what they know

My challenge is really taking off. I just added another $30 so now my total is $6727.23. I know that I have a balance on the CC but I am waiting for my second bonus check from my part-time job to pay it off and since I am only allowed two online payments in one billing cycle I deposited my other bonus check. But I will also add back to it in January to pay for my classes, at least this will be interest free

On a different note I got a speeding ticket about 13 miles over the speed limit I just do not feel like going to the drivig school but I know in the long run it will work out in my best interest . Then he gave me a ticket because my tints was too dark so if I remove them I will not have to pay it

Oh well that is hwit goes

well I had breakfast at home as well as lunch and dinner is alreay in the making
So in order to get my cc down by the end of the month I am adding all my no spend day funds to the cc.

New balance $1274.37
I can't wait until payday when I can knock this in half

Went ahead and paid the cc balance from the charges over the weekend I was thinking about waiting until Monday which was payday but I could not stand seeing a balance so I took the money out of my EF. Now I went from $1841 to $1121. I went to the dentist so that was $330 kept $50 in my checking account and now I am thinking I wasted sooo much money. About a $100 was for meds, I won't beat myself about it but come payday atleast $500 will be deposited to my EF account I just won't be able to add to my house, car and tuition fund
I am due to see the dentist on the 27th but I am chaning that to the 15th because I plan on socking away my last check for the month, I have got to get my totals/balances back up ASAP

Ok I had Saturday off, and I went on a shopping spree I have not done this in over a year and it felt good but when I started adding up everything I was down. Some of things I can return some can't. Here we go, yesterday was a beautiful Saturday, the first I had off in months. Anyhow, I started my day like this, first breakfast, then I cleaned up and next I hit the stores. Went to TJ Max bought two pairs not one but two pairs of shorts for $14.99 one will go back on Tuesday. Then I went to Wal-Mart, picked up my contacts ($35) and some personal goodies...can't return any of this (total $66)now I am heading over to Macy's I need/want some perfume $65 along with a dress for $13 this will be returned, next I head over to Target, picked up two shirts ($8.99 each) one will go back a belt and a shirt, can't return either one because I wore them to the babyshower. Oh yeah I bought a gift for my cousin's birthday that was $10. Now I am heading to Ross big mistake I looked at a watch $75 thank goodness I held strong but I ended up buying some socks (will return those)next I put $10 worth of gas in mom's car, then I went out for drinks $10 cover charge plus $20 for drinks..crazy. Everything was placed on my CC Monday is payday and will pay off ASAP I worked to hard to be debt free only to go back into debt. I will be returning as much as I can on Tuesday wich is a half day so I should get at least $60 credit. But it felt good to be off and just out and about

Ok I thought today was ending on a good note but since I have been home and decided to go through my mail and emails it has been terrible. First the $25.00 for the interst now I check my credit score (I pay for this service every month) and my 710 score just dropped, why because I closed the account that was charging
33%+ for interest. Now this collection agency send me a copy of any old bill because I ask them to verify the debt or remove it from my report. Well they sent me an old statement from the origianl creditor which will not cut it. They are to supply me with proof that they are licensed to operate in this state, sign documentation that I agreed to the terms of this debt and way too many other things for me type but I am back on it requesting a second request and if they do not respond with the correct information I am reporting them the BBB and FTC. Oh I forgot to mention it took me an half an hour to locate my internet card, which I paid $179 and do not have any insurance on it...gues what I will be purchasing tomorrow. I guess I will wait to post my new scores I am simply disgusted...seems like all my hard work is dowm the rain

Well my week of uncontrollable spending has come to an end...I was just not in the mood to cook anything for breakfast, lunch or dinner so all week I ate out. Well now it is time to get focus and back on track. I was just so stressed out with my class and therefore just did not time to do anythig but study, my room is a mess as well but I am will get that straighten out over the weekend

I have been so lazy for two days in a row I have eaten out for lunch and then tomorrow again...I promised a friend I would meet him for lunch. The today bought me a Vera Bradley bag that I have wanted for a while so I decided to treat myself ($85) but I guess we can splurge once in a while

Well I did forget, the college allos you to pay 50% the first part of the semester for tuiion and 50% midway through. Well I forgot I owed $370.30 and had to add that to the CC thank God payday is next week. But I did pay $2.60 on the high interest CC. Seems like when you make a step forward you always go back two
Previous total $2387.16
New Total:$2754.85

I can say I have atually done some back sliding, I went shopping , bought clothes a notebook and have been eating out for lunch and dinner (this is a big no no). Well it is time to get back on track ASAP, what was I thinking...I guess I wasn't . So I just paid an extra $16.03 on my cc I guess it is not extra since I have added to the balance

Spening thus far:
Gas $19.03
Clothing $33.98
Dining out $27.11 ;(
Gifts $19.43
Education $772.77
Groceries $30.71
Cleaning Supplies $8.84
Misc $193.69
Personal $5.92

And it is only the 7th no way Jose will I continue with this foolishness (spending)

Well I spent $321.95 on my books for school this semester, 3 were used and the other was new But I guess education is so expensive since it is something that can not be taken away. I am a little upset because I had not saved like I was suppose to for school and had to add this amount to my cc (not the high interest one)My goal is to pay off ASAP and incur no interest so I have almost two months to come up with $321.95 and I know I can do it

Previous Balance: $1947.88
New CC total:$2269.83

Just wasted $31.74 on a pair of shoes at Victoria Secrets so I had to add $32.00 to the challenge brining my new total to $77.59 And my boss who doesn't like to do the time sheets on time may not be here to do them on Wednesday and if he is he may not, which means we won't get paid until Monday or Tuesday of next week depending on when he does them This is a huge check...104 hours and I get paid Friday as well from my part -time job but if I deposit my check it won't clear for two days. I really wanted to pay off another CC this week but looks like all my plans are not going the way I planned them, atleast the student loan was paid off today

Because I keep the money for the challenge in an ING account I have to transfer once the funds become available, this is the only thing I hate about ING. Anyway my challenge is down to $37.46, I am not too upset becasue the money was used to pay off a cc, so that is a good thing. MY EF is down as well, I used some funds from here to pay off another CC. So here are my ending balances thus far:
Checking 1:$107.60
Checking2: $7.00
EF:$612.61
Challnege:$37.46
Education:$67.30
CC1:$2068.90
CC2:$944.45...willpay off next week
CC3:$406.90
CC4:$216.96...I think this is off

Just transferred another $100.00 from my challenge money in order to cover the payment to the CC made yesterday. Now my new balance is $137.46 and I will have to transfer another $100.00 once it is avaible (ING account). Atleast the cc is paid off

Sorry so long but I am simply nervous:

I hope I am doing the right thing, as you all know my car is drivable but pretty soon it won't be. I will have to finance a car but my credit is sooo bad just reviewed my scores

Transuion: 610(dropped by 5 points due to inquiry)
Equifax: 595
Experian: 543

So since I was putting money away for a new car (I just opened this account) and only had $72.98 I decided to transfer to the challenge giving me a total of $823.46
Now I owe HSBC $797.61 and will pay this out of the challenge money leaving me with $26.30. My goal is to try and pay off as much as possible so that my score will boost and I will not need a co-signer for a vehicle, But I will have $812.61 in my EF (My brother still owes me $265.00) and I will get paid next week from the part-time job in which I plan on adding to the challenge about $230.00

Now I am left with the following
CC1: $2048.15… L
CC2: $944.45
CC3: $125.84

And this is what I owe on my mom’s accounts
CC1: $406.90
CC2: $216.96 ( I maybe a $100.00 off on this, actually more)

But this is my plan and please pray that my car hold out at least 4 more months
My score is low due to two charge offs and high balances and not slow pay
Oh boy you live an d learn

In regards to my last post. You sent me a website to check the names of CA, well I had the incorrect name of the company and decided to double the site again and guess what, the company is on the list. So I will try and contact the company in which I owe the funds to in order to clear this debt

As you all know I just found out my car has way too many leaks to fix therefore with in the next few months I should be looking for a new car. I decided the money that I was saving for a house and then change my mind, I was going to use the money to pay off debt...now I think I should use it towards a new car, well I have no choice. Any way
my credit score is terrible (615) I have two charge offs and no slow pays. I got an offer in the mail to pay off one of the charge off in order to settle the account, the original balance was $750.11 and the company is willing to accept $562.58 to settle (I did try to get this reduce, but was told no). My dilemma is should I pay off the debt and boost my credit score for a better interest rate when I decided to purchase a new car, but I'll be a short fund. However, in about a month with my part-time job I will be able to add the $500.00 back, or keep the money in case I need a down payment. I was thinking about going through my credit union, which I am sure will give me a better deal than the dealer. Right now I do not know how long my car will last but was told to just check the oils and drive it until it can't be driven any more. My sisters says pay off the debt boost my score and save even more for a down payment on a new car, especially since I’ll get two checks from my part-time job which will be equivalent to the $500.00…I just don’t know
lesson learn never live like the Jones otherwards never bite off more than yiu can chew. Don't cahrege things you do not need

Just went outside for something and notice a oil leak of some sort Last year I totaled my car and was given a 89 camery which I am thankful for...I only spent about 2000.00 having repairs done such as:the transmission,oil changes and tires, a battery. Since my accident I have not saved for a new car I should have but I didn't. The money I was paying for my old car was $350.00 a month that should have went to the side but it wasn't until December of last year that I got serious about my debt and not until February of this year that I started really trying to save...so now what I put aside in my EF and challenge money I may have to use either to get my car fix or a dowm payment on a car, oh boy. I hope this is not an expensive repair but oil leaks can be costly. I am so depressed now

Being lazy I did not return my library books which ended up costing me $4.70
Can you believe it, all because I was too lazy. I could have bought a paper back book, or lunch or something; but no I had to pay the public library. Now because of a "lazy mistake" or a "stupid transaction" in which I like to call them I have to add this amount to my challenge money as well as the .70 cents for rounding up, a total of $5.00 OH BOY
I better take those movies back before I am charged a late fee as well

New challenge amount $437.96
I am entering blogs like crazy today I guess I have a lot to talk about..lol

Ok I have to vent, theres this guy that I met at a X-mas party about 2 years ago, he drives me crazy but I deal with him only because I market at his office
Anyway to make a long story short he is always selling something, and of course I feel obligated to purchase only because we have a business relationship...it would not bother me as much if I could get a refund from my job but because this is really personal I can't now I feel like this was a waste and should match this amount and add to my challenge money in which I intend to do but it's the point. I can't understand why some people always ask the same people over and over to purchase itmes, I guess because we are suckers
Now here is my challenge update:

$15.00 money wasted
.44 rounded to the nearest dollar after grocery shopping
$21.50 Payday deposit
grand total now $422.11

I am expecting about $825.00 Next Monday (payday) I know if I do not write down what needs to be done while I am slightly ahead it won't get done and there will be money wasted so here we go:

$75.00 EF
$10.00 new car account
10.00 Tuition/Books account
$20.00 Challenge/New home account
$40.00 Water bill
$12.00 Dental Insurance
$52.00 CC1
$50.00 C-phone #1
$40.00 Cable
$20.00 CC'2
$33.00 CC3
$26.00 CC4
$20.00 My ME account
$35.00 Home phone
$125.00 CC5 paid in full
$75.00 extra on CC 1
$50.00 Mom
$4.29 for the stamps I would have paid
actually it should be $5.00 because I am rounding up.Leaving me with 132.00 for two weeks. Wow I have way too many d*** CC's that is how I am in the trouble that I am in, now that I see this I am taking every single one out of my purse, you know my mom really does not travel with hers and she owes 0 on a cc, she only uses them when necessary. Wow and I paid off two today my God. It so different when you see things on paper versus estmiating and that is how I get into trouble. I really have an addiction to clothes
it's insane I am so upset right now

Finally I have received the $25.00 NSF refund from the bank. I had to go there yesterday and rais pure H**. Almost a month later and now I have my refund
boy was I upset. And I tell you what from here on out before I leave the I will be checking my account balance so that there are no mistakes as well as my receipts

While I was on my splurge over the weekend and this past week I totally forgot what got me into trouble in the 1st place so now I have to return some items that were clearly wants and not needs so here is the break down:

Clothing $240.37 (i'll be returning about $100.00 worth)
Job Expenses $192.20(will be reimbursed)
Misc $63.44
Good thing I keep a misc account where I can trsf fund that way I do not have to use my EF so I have about $80.00 in that account and $20.00 cash once I returns some of the items I should be good to go