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Busy little bee

October 5th, 2007 at 07:50 pm

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
Frown 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

car for sale

September 23rd, 2007 at 08:21 pm

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

Wow, it has been awhile

September 18th, 2007 at 07:53 pm

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 Frown 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)
$30 EF
$10 misc account
$50 for IRA
$44 on water bill
$64 for Cable
$15 for meds
$20 tithes
$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

Splurge

August 22nd, 2007 at 07:22 pm

Well I went on a shopping spree and bought 1 shirt and a pair of pants, grand total $164 Frown 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

BoA what a headache

August 11th, 2007 at 02:19 pm

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 Frown So now I have to close my checking account that I opened with them. What a pain

BoA strikes again

August 9th, 2007 at 05:57 pm

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

$20 challenge

August 9th, 2007 at 05:53 pm

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 Smile
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

The Fight continues

August 8th, 2007 at 03:03 pm

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

Back on track

August 5th, 2007 at 04:11 pm

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

My fight with the bank

August 5th, 2007 at 06:59 am

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

August 4th, 2007 at 09:32 pm

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

$20 challenge

August 2nd, 2007 at 02:15 pm

I added $25 today for not going to the hair salon to my challenge; new balance $3840.81. I also paid an extra $10 on the car loan so now I am down to $17,260.97. Some times it seems like I am not making progress but I know from experience $10 here $5 dollars there will add up quickly

Good news

July 30th, 2007 at 03:15 pm

I have good news all around, my nephew came home today. He said he was doing much better and wanted to start work on Monday, I told my sister to go ahead and let him (try not to baby him) so I am happy; he's also not hearing the voices which is great

My brother paid me the $500 + an extra $30 so I was happy with that.

I added $100 to my challenge/home account $50.00 to my car account (for payments) and $20.00 to the principal on my auto loan and paid on my misc stuff like the cc in which I had dental work done

So today was a great day

Car loan

July 27th, 2007 at 06:25 pm

Well I paid $10 on my car, I think every extra funds I get I will split it between the challenge and my car loan. The goals is to pay off the car ASAP. I don't care if it is a $1, if it is extra $.50 will go towards my challenge and $.50 towards the car's principal. The sooner I pay it off the better

$20 challenge

July 17th, 2007 at 08:24 pm

Well I have not been adding to the challenge like I should but I did ad my weekly $25 deposit; new total $3352.85
I also added $148 to my car account, I firgured I still should be adding to this fund for any repairs or insurance etc that will be coming due that new total $756.11. I almost forgot I added$30 to my EF account and $50 to my IRA, paid $100 on the cc as well

Well it is time

June 28th, 2007 at 02:37 pm

To get a new car that is Frown I have been holding off as long as I could but now I am at the end of the road. I took my car in today to my mechanic who could not find anything wrong, but my car was shaking so bad all the way home last night and today that it was scary. It felt as though I was going to cut off any minute. The only thing my mechanic could come up with was age, but I know it is more to it. He said for me to continue to drive it but I am afraid to. I drive about 13 miles to work each day (26mi round trip) and about the same to school two days out of the week so two days a week I average about 52 miles; and leaving school at 10 o'clock at night only to break down on a busy highway I simply do not want. I did apply for a loan and was approved with out a co-signer but the problem is my interest rate is high, very high (13%) even though I have paid bills on time for the last year and paid off CCs I still had some minor things on my credit like doctor bills, a broken cell phone contract by my ex and a partial car loan that the gap insurance did not pay when I wrecked my car ( I am filing a complaint with the BBB, this should have been taken care of and I thought it was)Anyhow, Monday is payday so I am paying off the two small doctor bills, I will later attempt to pay off the cell phone debt and then refinance the car. So this weekend I will be out and about, I am really interested in the Camry so we will see

It is official

June 17th, 2007 at 07:28 pm

I need a new car. I was driving along today and my car would not go then when I came to a stop it kept fluttering. I am praying that it last until December but if not I will take the money from my house account Frown to buy a little used car. If it last until December I can save about $3000 for a used car (apy cash of course) and not touch house fund. Boy I really do not want to touch that money

Got away cheap

June 9th, 2007 at 06:17 am

Went to the mechanic today because of course my a/c is out. Anyhow the mechanc just tighten something and it was back working. He did no charge me but I gave him a $5 tip

Busy day

May 9th, 2007 at 05:28 pm

First I'd like to say how my day went:

I got up early today in order to make breakfast and there was no eggs so I ended up buying breakfast for mom & I ($6 added to the challenge)

Then I took my car to the shop and the mechanic did not charge me for the a/c Smile but he fixed my lighter (that I asked him to look at over a month ago and now did not want fix) that was $48. It actually worked out to my benefit because now I can bring my laptop along and charge my cell phone when low.

I also was able to find a used but practically new book for school at $29, not bad

Now in regards to my goal I added $9.91 to my cchallenge today I am desperately trying to reach $4000 before the end of the month, I really hope I can or come close to it

Car troubles

May 8th, 2007 at 05:39 pm

As you all know i drive a very old car and just paid $400 to get my a/c fix; well guess what it's out again Frown Now I am taking it to the shop to see what's what

Once again

April 28th, 2007 at 06:07 am

My car was broken into again, thank God nothing was taken (as it appeared) and once again I was on my way to work. This time I did not call the police since he did not take finger prints the last time. It was my fault, I have been locking my car door ever since the last break in (3 weeks ago) and last night I had so many bags I forgot to lock it, thank God I took my DVD out of the car. I know it is some one from the neighborhood and wish I could catch them
Darn it I am mad

Free gas

April 2nd, 2007 at 05:17 pm

I let a co-worker use my today to go to the other office and the boss put $20 worth of gas in my car Smile
So I added the $20 to my challenge

New total $1929.06

An update on my car

March 29th, 2007 at 12:07 pm

Well I was so disgusted that I just did not clean outmy car this morning, so I decided to head over to my dad's and notice that the thief actually broke the paneling as well around my dash board. Can you believe that? Now if that insentive cop would have did his job and tried to get some prints he would have found that and maybe got some prints. Then I notice that my fake Tiffany necklace was taken and just realize that I had a loose key (my sister's) in my ash tray which is missing, thank God they won't know who's house it belongs to. I have to lol because I am sure they are thinking it is for here and will be in for a rude awakening once they return. Only God knows what else was taken.

Bad News

March 29th, 2007 at 06:11 am

Well I was getting ready to go to work and went out to my car today (this morning) and notice there was paper all over the place, I thought this was strange. Then it hit me, my car was broken into and my Vera Bradley book bag that I saved for was gone. I am just so disgusted and did not feel like going into work. Why do people steal? Why not work for what you want like the rest of us? I had to buy new hubcabs because some one stole them. You know ilive in a neighborhood where we hardly ever lock our doors and now it seems like it is going dowm hill. I really think it is some kids from around here. I am going to Sam's today to buy a camera. I AM P.O'd

Also my car is old (89 camery) and the cop act as though he did not want to take prints he didn't even try to get prints off of anything else other than the door, come on

Ouch

March 28th, 2007 at 03:39 pm

That is all could say when I picked my car up today. $489 was the cost with labor for the new a/c (compressor) but I am glad I was able to get it fix because it will be getting really hot real soon. My dad did however, give me an extra $10 today so I am happy for that. But I put the total amount on my CC. Monday is payday so it will be paid in full. I just did not want ot deplete my savings to $161 between here and Monday, you never know

Well it is still raining

March 26th, 2007 at 03:23 pm

Well I heard from my mechanic and it will cost about $438 to get my a/c fix and I am dropping it off tomorow...it's just to hot in FL with out a/c. Next I have a dentist appointment to have my crown put on, that is another $330 so my little EF will be depleted.

The only good news is that I can pay cash and added $3.56 to my challenge today brining my new total to $1878.25

When it rains it poors

March 24th, 2007 at 07:30 pm

Well my a/c gave out I asked my uncle to take it to his friend the mechanic at the Toyota dealer and of course he hasn't. So I said to myself I will only ask once, so I drive to my mechanic and he was going to put anti-freeze in for free only to find out that the compressor is goneFrown Now I am looking at $200+ for a compressor and only God knows what in labor. My mechanic stated he was going to shop around first for a better price...keep your fingers crossed but I will not put off for a whole week; not in sunny hot FL. Now two weeks ago I went to the dentist,that was $330 and now I have an appointment on Tuesday which is another $330 (for the crown) next I had to pay my car insurance ($182) for 3 months and tuition is due mid April ($948) My EF has gone from $1800 to about a $1000 I am happy I had one but when it rains it poors. Now I am feeling down in the dumbs.

I was able to work some OT this week at my part time job so that hould help some with the crown, but I have got to get my car fixed ASAP

Oops, I forgot I added $1.35 to my challenge today
New total $1874.99

Thank God for an EF

March 22nd, 2007 at 11:31 am

I am so glad that I have been saving, my car will cost an arm and a leg, thank God I have my EF. I went in for breaks and ended up getting my oil change because at wal-mart it maybe less but it is an all day afair. Any way breaks and spark plugs $165 with tax next thing I know my mechanic is calling stating I need CV joints, he said they were really bad which I thought they were so another $150. Now my little car will be a happy camper, you know I do not feel stress,
I guess that's because I have the money to pay for it

$20 challenge

March 22nd, 2007 at 10:15 am

I had to buy lunch today because I decided to take my car to the shop and did not pack anything. So $3.33 added to the challenge, I was actually doing pretty good this week in regards to eating out.

Now I am just waiting to see how much my brakes will cost. My uncle actually put them on, I thought he was having his friend the mechanic do it but he did not if I had know he would be the one putting them on I would have taken it to my mechanic. Anyhow that was $80 wasted so now I am here waiting on my mechanic let's see how much he will charge, at least he is not charging me for the anit-freeze

challenge total $1868.41

Paday

March 15th, 2007 at 04:51 pm

Tomorrow is payday which was a shocker to me because it really is Monday but the boss paid us early and I am happy. Anyway I already set up payments and set aside some money for savings

$68.14 Direct TV
$97.81 Electric
$182.13 Car insurance (3 months)
$348.08 total
$25 IRA
$40 Tuition Fund
$20 New car fund
$130 EF
$10 Misc fund (MD appointments, stuff like that)
$87.12 Challenge/new home fund
total saved $312.12

other
$20 Tithes


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