I know when I blog I stay on track, I hate when things throw me off, when that happens I stop blogging and start spending. Have to stay focus.
With that said, I'm trucking right along. The BF took care of my car's oil change and filled me up. I didn't ask how much he paid, but I estimated about $60 for everything. So I added the $60 to my $20/52 Week challenge. New total $2,082.26. I'm so happy.
Dad and I will be running errands and he usually give me a $100 on the days we do this. Even though I tell him he don't have to he always do. He says he'll rather give it to his kids than other people who will sure enough take it.
I splurged and had McDonalds for breakfast $3.60 so I paid $3.60 on the BoA credit card, I figured if I have extra to eat out then I have money to pay down debt.
Lastly, we are getting our security cameras installed. It saddens me that we are in an age where Big Brother always have to be watching. Awful
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I know when I blog I stay on track, I hate when things throw me off, when that happens I stop blogging and start spending. Have to stay focus.
My Neice has been calling giving me an upto date account on my mother's health, not that I care to know, but wish her the best. Anyhow she says she'll keep calling until I speak to my mom, which I do not plan on doing. I advised her not to waste her time.
She says she knows my mom wants to speak to me because she'll say things like " I would ask Amber but she's not talking to me". I simply remind my Neice she is the one who said "Not to talk to her as long as I'm living" and to my knowledge I'm still living.
On a different note I gave my sister $10 last week, she has harassed me every other week for money and no matter how many times or different ways I have said I don't have it, she still calls and harasses me. Ugh!
Now onto me, my dad gave me $50 yesterday so I added this amount to my EF /Challenge. My boss has not signed off on my request for mileage, so my car isn't paid off yet
Next we went looking for beds because the one given to us has caused me some serious medical conditions. It's in pretty good shape, my bf finds its okay, I want to sell it on Craigslist and use the money towards the new mattress, but the BF wants to give it away.
At the cost of mattresses I think his idea is crazy, yes it was given to us but we really can't afford $900+ for a mattress.
Car payments and I am done! Thank God! I cannot wait until May when I send off my final car payment. The goal is to continue to put aside the money I was paying on my car, well at least a portion of it. I plan on paying down some debt as well.
On the home front, things seem to be going pretty well, no complaints.
My dad offered my someone money to buy the place that I am in, but I really don't plan on doing so until the end of the year but it's great to know he is supportive. My mother would never offer
In the end, things seem thus far to be moving along very well
I finally received my Visa gift card from BCBS in the amount of $200. I was actually planning on using the gift card later on this year, but guess what? It expires 3/12. Are you kidding me? And if I would like a new card with an extended expiration date, there would be a fee.
So I paid my car insurance early $125.63 and tomorrow I will get an oil change. Once I am paid, I'll add the money saved using the gift card to my challenge.
Either way, I saved money
$67.69 is what I had left in my checking account before payday today so I added this amount to my challenge/EF; I can't wait to hit the $2000 goal, only a $100 away.
In other news, I'm loving the new place and at the same time not even remotely missing my mother. I am so thankful for being out of such a toxic environment.
It's only been a few days since I receieved notice of my GC being mailed but I'm still anxious.
Today is payday and I am hoping I'll have my mileage reimbursement check as well so that I can get an oil change.
That's it so far.
Wondering why is it when I am making some sort of headway Murphy always step in? As you all know, I am trying to sock away enough cash in my EF before I start paying down my CC debt and I am so close to reaching my goal before the end of the year and now I need a car battery
I have a car fund which will cover about $40 of the cost of the battery but the difference will come out of my EF. I really do not want to touch any of that money unless I lose my job or become sick, but I understand that a car battery is a must.
Still feeling sad though
Ok woke up this morning and didnt want to spend a dime but it did not turn out that way so here it is:
Loan Payment $100.00
Automobile : Gasoline $40.00
Healthcare: Dental payment $10.00
Dining Out $3.92
Total Expense $188.86
$10 weekly deposit to challenge
$100 transferred to EF
$3 paid on CC for dining out
So a total of $13 was added to my challenge
I got a call on Wednesday regarding a front desk position, when I called back the girl says to me that T wants you to come in and fill out an application and meet with some one. So I say when would be a good time she says Friday any time between 8:30 and 4. So today I go in at 10:30am only to be told that the office manager was not in and if I can come in on Monday or if I wanted to fill out the application. Basically she wanted me to come back and my response, I'll fill out the application and leave it. If she wants me to come in then she will call. I left my resume again and a few letter of recommendations
On a different note, I decided to go ahead and pay my auto insurance for a six month period since I have the money and have no idea when I would find a job ($632.09)
My classmate called to tell me she was just diagnosed with Lupus, so please keep her in your prayers
Tomorrow if I don't do anything else , I am going to the library
Today was my 3rd NSD so I added $2 to the house fund. I also paid an extra $18.71 on the principal for my car (check written yesterday)...the goal is to pay a extra $50 a month
Tomorrow is a big day (Things to do):
* See the dentist (that will set me back about $400)
*See the Gyn ($30 copay)
* Gas ($30)
* Traffic Ticket ($91 Mom actually gave me $40 towards this)
* Buy lotto for work
* Head to the gym
* Pick up a few items at the grocery store for Sunday's dinner and Friday and Saturday night snacks
Hopefully Saturday and Sunday will be no spend days for me, but we'll see
Yesterday was pay day so I paid the following:
$1512 on cc (this money came out of my challenge much of it dental work)
$100 on cc
$170 EF ($40 of this was from not paying a phone bill for the land line I no longer have)
$10 X-mas fund
$20 personal spending account
$20 Tuition fund
$20 Car fund
Not bad, I actually saved $260 out of my check and still have about $400 left after pain bills but it goes quickly. Oh I forgot I added the extra $10 saved on the satellite bill for referring my dad so I actually added $180 to EF saving a total of $270
Anyhow Tropical storm Fay just left I am so glad that there was not much damage in our area. My sister lost power for a short while but it came back on. The winds were really picking up and it could have been worst but thank goodness it wasnít.
I am so afraid of change and I think that is what holds me back. I have had the loan papers now to refiance my car for a possible better rate and have yet to fill them out and I finally went in to the office today and did it. The loan officer stated that once they are able to verify my employment I wll then be contacted regarding the loan status. My rate is very high and I have since cleaned up my credit paid off a ton of things and always paid my current loan on time and well over the amount due. So keep your fingers crossed.
I also cancelled my land line which I have been holding off on for a while, why I still don't know so that extra $40 saved will be going to my challenge every month. Next I am going to drop off the paper work for the grant. I have filled them out but have been so afraid to drop them off. Why? Change...I really need to over come that fear.
Today was a no spend day thus far but the day has not ended as of yet so I will wait to add my $2 but I will add $2 to the challenge and $2 to the EF for preparing my breakfast
I woke up yesterday with the worst tooth ache, I was dying over here. Anyhow I had cancelled my appointment because I was feeling better earlier in the day, luckily I was able to reach the dentist who called me in an antibiotic. When I asked if he would and gave him the number to Walgreens he says to me why don't you go to Publix it's free. Because I did not have the number he looked it up for me and called it in, when I went to pick it up it was free, saving me a $15 co-pay How nice. I woke up this morning and I am a little sore, but I am feeling better. I did not go into work today because if this flares up again I want to be able to go straight to the dentist, it's hard to leave once you are at work. Seems as though the antibiotic is working, wish I had known before I spent $185 the other day
On a different note, today was payday so I checked my balance and found a nice little bonus which I immediately added to my EF
I paid bills today, paid my cc in which I charged my tuition but I still owe about $100 on it. I use it to accumulate points and since I have been under the weather I have not entered all my transactions, must do that today in order to stay cc debt free. I paid the cable and phone bill added $50 to my challenge and paid the extra $50 that I am no longer adding to my IRA but to the auto loan principal in an effort to have that car atleast half way paid off by the end of the year.
I have not been blogging like I use to but I have got to start back again or other wards I will be right back in debt. First I want to want you this will be a long blog because so much has happen.
Well I had a great day today until I went to lunch, my mom called me to tell me that the doctor told her they may have to amputate her toe. For months she has been complaining that it was bothering her and I have been trying to get her to switch doctor in order to get a second opinion because he was unable to find anything wrong well he finally decided to do an MRI which found some sort of infection. Well I immediately came home today I know I may have should have stayed at work but I felt like I needed to be with her because she was really upset. I did however, set up an appointment with another doctor in which she still doesnít want to go because now her other doctor wants to take an MRI of her leg as well. Just keep us in your prayers and that maybe some sort of antibiotic will help
Next I don't know if you heard about the shooting in FL, where this idiot opened fire in a Wendy's, well that was near my job and an area that I travel to once in a while. Lord what is going on
It is sad that some one lost their life but I am also glad that not more people were fatally injured
Furthermore, I can not understand my auto loan. I have to call BoA because you would think that since the principal has decreased wouldn't the amount applied to the interest do the same? It seems like it is higher.
WIth everything going on I was able to finally add to my challenge the $26 from the surveys giving me a new total of $7474.22
First I went back to work on Tuesday, as anticipated my coworker left everything for me to do (yep, didn't lift a finger)
Next I notice my car was making a funny noise when I tried to start it (only 6 months since I have had it) to make a long story short, it would not start yesterday or today.
So after a big production on Tuesday trying to get an appointment for an oil change at Carmax I was finally scheduled
Now that I am scheduled, today is the day I take my car in. My uncle jumped my car, so now when I go in I say to the guy I am here for my appointment and in addition could you please check to see why my car is no starting
So he prints out my consent form to service my car only for the oil change, I say to him did you make a note to check why it is not starting? He says yes it s in the computer. Now being the consumer savvy person that I am, I ask him his name and the manager's name because I know that there is a fee for this but Mr. when you walk in the door I am not going to acknowledge you or even look at you for that matter, I guess had no time to enter the information correct. So I give him the key and an alternate number to contact me regarding the status and leave
Now I get a call that my car is ready and it will be $200+ of course I say for what? $54 to check my car $50+ for labor $50+ for the battery, plus my oil change. I say to the guy you have got to be kidding me and I am not paying this (the service for the battery) he says you have to pay for us looking at your car in order to find out what is wrong and that I signed an ok to do so, I say to him, no I signed for a an oil change.
So to make a long story short he says there is nothing he can do about it I say we'll see. Then I called their general manager in addition to the corporate office. In the end I got my oil change for free and picked up a battery from Sam's in which my uncle will put in.
Unbelievable, I guess he figured since I am a woman that I have no clue, guess heís the whose clueless
Oops I forgot I added $40 to my challenge today , new total $7344.65
Well today was payday from my partime job, $26 dollars went towards the cc, $63 went towards maintenance for my car and $39 went towards my challenge leaving me with a $100 in my personal accout to last me for two weeks
New challenge total $7228.71
Got my second check from Pinecone and added it to my visa payment. The goal is the have this card paid off by January 31st. No way am I going back into debt
I also ate out today $8.50 so I added this amount to my challenge, new total $7035.51
Remember that $5 payment on the my auto loan and the girl was laughing, well the check cleared the bank and it is not posted to my account....arrrrrrrgh
You know I will be contacting them first thing in the morning
I went into BoA because I had an extra $5 to pay on my car and the girl had a nice little laugh. So I said to her if I paid $5 extra a day that will equal $25 which is $100 a month and $1200 for the year. Then I took my receipt and left
Yep the car sold today for $300. I wish I could have added this amount to my challenge but I had t pay for the new car (payment)and car insurance
The girl who called last week about my car called today to say she has all the money and wanted to know if I could pick it up today, but I was on my way to work. So I will pick it up from her on Tuesday, so basically my car sold
I have been so busy that I have not had time to thnink. Taking 3 classes, working both full and partime has had its toll. I have managed to spend a ton of money dining out because I am too lazy. I have however upped my CC balance (dentist and tuition) but on a good note I added to my challenge bring my total to $4662.99
I had a couple of offers on the car everyone wants it but has not bought it
If it is not sold by Friday next week I am calling a junk yard to come and get it atleast I will get a little something
I just posted my car on craiglist, I hope some one takes me up on it I can use the cash. It's an really old car but very clean, they'll need back breaks and an alternator but I will be happy with $200 we'll see. If not I will call a junk yard to pick it up
What I have learned is that if I am not blogging or reading other blogs about finanaces, I fall back into my old ways and that is wasting money. I have been busy with school (3 classes this semester) and have not had time to catch up on my blogging or finances. I have done a ton of shopping so I guess I have fallen off the wagon. It is time to get back on track and make some serious changes.
I paid bills today and made some deposits to my challenge and IRA but my cc debt has risen to about $900 (I will update the total later) but atleast $700 of that is for school
Anyhow, I just wanted to give every one heads up and let you know I am still alive
Added $53 to the challenge
$205 on cc
$143 towards car (saving a little extra towards extra payments)
$10 misc account
$50 for IRA
$44 on water bill
$64 for Cable
$15 for meds
$35 dentist (had some swelling)
I am still waiting on a check/deposit from Amazon for a book sold which will go towards my cc/school transactions
and I got an extra $5 to for a survey so I am adding this to the challenge as well
Well I went on a shopping spree and bought 1 shirt and a pair of pants, grand total $164 Of course everything is going back. I don't know what I was thinking, since my old car that I drive around in needs an alternator and back breaks. My mos says I she get ri of it but I like the fact that I can drive this car around and put all the miles on it. But we will see
I also had $31 left over in my bill account, tomorrow is payday from the parttime job, so I put $25 in my challenge home account and $6 in the car fund
I finally found someone at BoA who knew what he was talking about. No payments made electronically even with the BoA account will be applied to the principal. I either have to go into the branch, make a payment by phone or mail it in So now I have to close my checking account that I opened with them. What a pain
I don't know if you guys remebered bt I ws told by BoA if I had a checking account with them and paid my bills on line then I can not to make all payments to the principal, well guess what, that is not the case. The following is from their bill pay service:
Bill Pay Help close window
Payment Memo Cannot be Sent
Payment memos cannot be sent to payees that accept electronic payments.
What a joke, now I am closing this account this is crazy
I had abot $50 left in my personal account since my last payday, which is a huge accomplishment for me. So I added $25 to the challenge and $25 to my car account
New total for the challenge $3889.40
In regards to my car I will wait until I get a statement and send a check for the principal it seems like when ever I pay online BoA has a problem with applying it to my principal in the mean time I willearn interest
OK I have about had it with BoA. I was told as long as I write "principal" for any extra payments towards my car it would be applied, well guess what? it wasn't. Now I am PO'd I will be on the phone with them as soon as I get home...this BS
Now that I am blogging and reading more blogs, I am back to my old self...try to save as much as possible. I added my weekly deposit of $25 to my challenge home account bringing my new total to $3874.61. I was trying to save a $1000 a month but now that I have a new car that is out of the question but either way I am back on track. Seems like if I don't read what everyone else is doing or blog I loose focus. Actually I am depositing only half because $12.50 should go on the principal for my car, in that case my new total is $3862.11
Ok as you all know I am nickeling and diming my car payment (by paying extra) any how I do this through my electric orange account (checking) I opened this account so that I can pay my car payment and any extra online. So to make a long story short I have been paying on line now for a while.I check the balance on my car account to compare the numbers and nothing has change the bank (lovely BoA) applied it to the interest (?) I was so mad because the rep I spoke to over the phone informed me any extra payments are applied to the principal, well she was wrong. It took me almost an hour at the branch to straighten it out (and he had to call some place else because he could not fix it at the branch). I can't pay online and have it applied to the principal because I do not have a checking account with them but I have a $5k CD which has been there now for about 3 years and a joint checking with my mom with about $10K (mom's money not mine but my name is on the account) I guess that really deosn't matter since they have $15k of our money in which they use to invest to make money and yet can't won't allow me to pay online and have all extra funds applied to the principal
So my options are to open a checking account in which there is a minimum balance unless I have direct deposit (why would I when ING pays more)or there will be a fee or go into the branch make payments or mail it in (cost .41 cents vs free online ) So I beat them at there own game (not really) I was on line and read if you open a CC you get free checking, no minimum payment no direct deposit required plus I get 0% interest until 2008. So I opened the account and will link my ING account with the bank's and transfer funds that way and then make my principal payments
sorry just needed to vent
Saved $15 today plus the item I bought was tax free (tennis shoes) I was looking for some new tennis shoes and Penney's had them on sale and since it is tax free week I decided go for it
I am adding the $15 to the challenge, $7.50 towards my new home and $7.50 my car. My mom was laughing because I send $5 here and $10 there on my ca but it adds up and I figure the more I pay it down the better
New total for challenge home $3848.82
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