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CC5 Is Officially Gone!

July 27th, 2018 at 06:04 pm

Wow I did it!

This credit card 💳 was driving me crazy, I paid it off. CC5 is officially gone! It feels so good to know that I’ve paid this card off. It makes up for the dental payment.

What’s so funny was, I stopped by my mom after paying off the CC to check my mail. There’s an offer from Macy’s. upping my CC balance, thanks but no thanks. Just two years ago, they reduced it. My debt to income was too high. But now that I’m paying things off, they’re increasing it. I’ll pass.

Thanks for tips everyone, I am going to reach out to my dentist to find out if there is a discount. He typically discounts things for me so I’ll see.

Someone asked in a previous post if the SO could help, the answer is no. He never has any money for anything. Can’t wait to get him out.

We got another court date for September 11th regarding the house, thank God.

Always Something

July 13th, 2018 at 03:42 am

Always something. I was really hoping to knock 🥊 CC5 out today.

But, I had to budget for contact lens ($150). I wear my glasses 👓 90% of the time but with those special occasions I like to have my contacts. Many reasons why I’ve started a medical fund. I also have to pick up my meds, that’s $27.99. So about a $180 on healthcare that could have went to debt. I know I shouldn’t complain because any other time I would have to use the CC 💳.

I was able to pay at least half the balance on CC5 bringing the total to $225, yay. I’m still on track to have four credit cards 💳 paid off this year.

One thing I’m feeling good about, well a couple:
* Today was pay day and all bills for the month are paid, in advance mind you
* Extra was paid on the credit card 💳
* I cash flowed health expenses
* I was able to also save
* And I love my new job

Though I’ve been on the job just over a month, I’ve been able to make some traction, and my boss is amazing.

In other news, I see things getting worst with the SO and his daughter being pregnant. He’s making things happen and of course it frustrates me because as usual things are late here at the house. What frustrates me is, he’ll make sure the money is available for her but when it comes to the house it’s a different story. I just have to keep reminding myself that one, I’m paying down debt, two once the house sells I can move on, three this is just a minor setback.

Live and learn

Feels Good

June 29th, 2018 at 03:27 am

This journey of getting out of debt is a slow and steady process for me but I’m happy. I have to do what works for me and keeps me motivated.

Today was payday 💰 and prior to paying anything I always take a look at my budget. I noticed that I was only paying $9 to CC5 💳. I thought nope, nope this is unacceptable.

So I change somethings around. My cellphone 📱 was actually $5 less this month, I reduced both the EF and sinking fund deposits by $10 each and also reduced my offering (not my tithes) this pay date. By doing this I was able to pay an extra $45 on the CC 💳.

Unfortunately I did find a few bills, like the electric 💡 and water, were under budgeted , so some adjustments were made. But all in all I’m stoked, as long as I can pay extra I’m good.

I think what I’m feeling so good about is, one I’m knocking these credit cards 💳 out. This year was one a quarter and I know I’m on track. Next year with the higher CCs it will be two a year. Hopefully once this house 🏡 sells I can knock them all out.

Secondly, saving for what I want and upcoming expenses. This is actually one of the best feelings. Just knowing that I’ll have the money in October to pay my car 🚗 insurance for six months is great. That will surely free up an extra $100 a month. See right now I’m paying $166 a month, (I know it’s high, I’ve already called around and this was the best deal. Even a friend who has her own agency told me this was good) I also set aside $100 a month to be able to pay this sucker at once. But once it’s paid for six months I only need to sock away the $166. Not to mention I think when you pay it for six month about $50 is knocked off.

For the first time ever, I’m saving for Christmas 🎄. No more stress. I can actually host my holiday game night without stress and I love it.

Another first timer, medical. Saving for medical expenses was never an option or thought. But I’ve saved up for my eye exam, and if I keep this up I’ll have the money for my dental cleaning.

It just feels so good.

Drama and Goals All in One

June 23rd, 2018 at 05:11 pm

So my SO comes home, he’s worried he can’t reach his daughter. He calls no answer. Calls his ex wife and she tells him, the daughter blocked him.

Well long story short, I told him years ago that he spoils these brats he has from his ex and they’re going to break his heart. I hate to say it but I was right.

He calls the other daughter who calls the one who blocked him on a 3-way call and she tells him she blocked him because he didn’t answer her call. Now mind you, he sent her a text on the day that she supposedly call to say he wanted to meet with her and the other kids. Why would he not answer?

He’s terrible about many things but when it comes to the kids from the ex wife he goes above and beyond, I really felt bad for him. She’s an ungrateful you know what. This guy, had paid his bills late, pulled strings for her to graduate, and more and you have the nerve to block him because he supposedly didn’t answer. Though she doesn’t and hasn’t asked me for anything, I did tell him she can’t get anything from me. And I mean that. I’m not upholding ungrateful behavior. She wants to be an adult, he needs to treat her like one.

I can’t tell him what he should and should not do about his kids but I know what I’m not doing. Whew can’t wait to move on.

In different news, my payment on CC5 finally posted, pay day is Friday but I won’t be able to pay it off until the first check in July. This sucks but hey, at least I know it will be gone and then on to CC6. 10 CCs, this is such a joke, never again.

I had to call Att&t again for the fourth time. They never gave me my credit for phone 📱 insurance, smh. I finally spoke with a rep who credited my account today and waited for me to log in to view the credit. The problem was that they had already charged my account today for the auto pay. Autopay saves me $5 but it’s never on the same day,so I think I’m going to stop it.

Earlier this year I was saving for a family vacation, then I realize I had too much debt to save for a vacation. At one point I took the money out and paid down a CC 💳. But I also never stop adding to the saving account.

There are three big ticket items I want. They are, a laptop, Apple 🍎 Watch and a Circut. All very expensive I know. But I figured with patience and $20 a pay check by the time Christmas roll around I can purchase these items with cash.

This little experiment has taught me to be patient and save for what I want. Though it’s been a long struggle the reward in the end will be well worth it. The old me would have put these items on a CC 💳. I know some of you may not agree but this works for me. It’s no new debt and still being able to enjoy somethings. The laptop 💻 is about $200 the series I watch is $150 and the Circut is about $200. I’ve already added a stipulation that I cannot but these items unless I meet my 2018 goal of paying off four credit cards 💳, one each quarter. I’ve pretty much met my goal already, two thus far and three in just a few more weeks. I’m sure when December rolls around I’ll be on CC8.

Drama and Goals All in One

June 23rd, 2018 at 04:59 pm

So my SO comes home, he’s worried he can’t reach his daughter. He calls no answer. Calls his ex wife and she tells him, the daughter blocked him.

Well long story short, I told him years ago that he spoils these brats he has from his ex and they’re going to break his heart. I hate to say it but I was right.

He calls the other daughter who calls the one who blocked him on a 3-way call and she tells him she blocked him because he didn’t answer her call. Now mind you, he sent her a text on the day that she supposedly call to say he wanted to meet with her and the other kids. Why would he not answer?

He’s terrible about many things but when it comes to the kids from the ex wife he goes above and beyond, I really felt bad for him. She’s an ungrateful you know what. This guy, had paid his bills late, pulled strings for her to graduate, and more and you have the nerve to block him because he supposedly didn’t answer. Though she doesn’t and hasn’t asked me for anything, I did tell him she can’t get anything from me. And I mean that. I’m not upholding ungrateful behavior. She wants to be an adult, he needs to treat her like one.

I can’t tell him what he should and should not do about his kids but I know what I’m not doing. Whew can’t wait to move on.

In different news, my payment on CC5 finally posted, pay day is Friday but I won’t be able to pay it off until the first check in July. This sucks but hey, at least I know it will be gone and then on to CC6. 10 CCs, this is such a joke, never again.

I had to call Att&t again for the fourth time. They never gave me my credit for phone 📱 insurance, smh. I finally spoke with a rep who credited my account today and waited for me to log in to view the credit. The problem was that they had already charged my account today for the auto pay. Autopay saves me $5 but it’s never on the same day,so I think I’m going to stop it.

Earlier this year I was saving for a family vacation, then I realize I had too much debt to save for a vacation. At one point I took the money out and paid down a CC 💳. But I also never stop adding to the saving account.

There are three big ticket items I want. They are, a laptop, Apple 🍎 Watch and a Circut. All very expensive I know. But I figured with patience and $20 a pay check by the time Christmas roll around I can purchase these items with cash.

This little experiment has taught me to be patient and save for what I want. Though it’s been a long struggle the reward in the end will be well worth it. The old me would have put these items on a CC 💳. I know some of you may not agree but this works for me. It’s no new debt and still being able to enjoy somethings. The laptop 💻 is about $200 the series I watch is $150 and the Circut is about $200. I’ve already added a stipulation that I cannot but these items unless I meet my 2018 goal of paying off four credit cards 💳, one each quarter. I’ve pretty much met my goal already, two thus far and three in just a few more weeks. I’m sure when December rolls around I’ll be on CC8.

On Target With CC5

June 17th, 2018 at 04:21 am

Just paid another $300 on CC5. I had budgeted the COBRA payment for June twice. So I paid $300 on the CC and added the $84 to the EF. My COBRA payment is $384.25 a month. I have an extra $800 in the EF to cover two months in case I need to elect coverage prior to my coverage starting with the new job.

I’m excited because I will meet my second quarter goal of paying off a CC 💳 each quarter. Monday, my final check of my missed PTO pay out should be deposited ACH to my account of about $700. I’ll be adding this of course to CC5 💳 knocking the remaining balance to $300.

Though I’m not what Dave Ramsey calls gazelle intense, I am meeting my goals at a rate I’m comfortable with. And I’m saving, that is extremely important to me.

Before Dave, I’d paid off my debt. I had started with the smallest to the largest. One thing I did was, every time I ate out, I had to match this dollar amount to my debt reduction and when I didn’t I added, $2 to my savings. I think I’m going to start this up again. It helped me then and I like the challenge. Overall I like Dave’s plan, I think it works, but not for me, there’s some tweaking like adding to my EF each pay day.

Lastly, I’d like to wish all the dads a Happy Father’s Day! 👨🏽👔

Extra $100

June 2nd, 2018 at 02:33 pm

Wow out of the blue my older brother, not the jerk I'm dealing with, left me $100 at my mom's house. Guess what I'm doing with this money? Yep paying down CC5.

I can't wait to get paid on the 15th, I'll get my final check from my previous employer as well as my first full check with the new company. I should be able to knock CC5 in half and then pay the remainder off by the (6/29, last check) of the month. I'm so excited. That will be four credit cards paid off since January.

The closing on the house is on 6/29 and I should be able to knock everything else out of the way. How exciting. Hopefully all else will go well. And I can get rid of the jerk I call a brother for good.


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 💳 but I actually have six, 🤦🏾‍♀️🙄.

Interest Sucks!

April 10th, 2018 at 12:30 am

One thing I hate about debt and that is interest, 🤦🏾‍♀️.

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 💳to 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.

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 💇🏽. 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 💵. 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 💳 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.

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 💰 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 💳 . 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 😄. 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.


Target Payment Posted

March 31st, 2018 at 02:06 am

4:30 am and the first thing I did when my eyes 👀 opened, was check my Target 🎯 balance. Thank goodness the $349 was processed, I cab now update my sidebar. Only about $347 dollars left, I'm sure they'll be an additional $5 in interest 🤦🏾‍♀️ but that's the price you pay when you use credit cards 💳.

I also received a request to purchase an item on OfferUp, $10. I hope this is a legitimate sale. So many make offers and don't show up. I decided to no longer meet folks closer or easier for them. Meet me at my nearby police 👮🏼 department. I'm sick of folks not showing.

Lastly, today is a busy day. One I want to get at least 20 minutes of cardio in, secondly I have to get an oil change and then other miscellaneous stuff done. I've decided that both Saturdays and Sundays will not be filled with work so on Sundays I'm resting. I may even head to the beach 🌊 tomorrow

Just Sucker Punched CC4

March 30th, 2018 at 12:39 am

Just paid over $300 on the Target 🎯 bill, my new balance is $349.61. I should have this sucker paid off by the end of April, thank you Jesus.

I pulled my credit score with Transamerica and it was 698, not bad. Think my high score was 702. I noticed that as I pay these suckers off it's creeping back up. The jump is due to the decrease in high balances.

Back to Target, I'm going to be really annoyed if my payment isn't posted right away. They have a tendency of holding high payments. They actually suck, you can only make like two payments in a 7-day period, you can't add decimals. For example, I'd budgeted $348.76 but had to round up. No big deal but I like a balanced budgets, no over budget items just under. And lastly they hold large sums of payments. They make it extremely difficult to get your balance down.

It's 3:29 am and I've already spent the following:
* $196.08 Tithes - not negotiable
* $20 vacation club (savings)
* $211 JCP - minimum payment that include my AAA purchase
* $349 Target - debt snowball

Though a lot has gone out and I haven't cut the rent check yet, I'm thankful because one, I never thought in a million years that I could and would be faithful with my tithes. Secondly, with my raise and paying down debt, I've freed up over $500 a paycheck. Right now all you see are the payments but I'm about to add a total of $107 to my savings. All I think about is, when CC4 💳 is gone that will be another $50.

I'm so overwhelmed with mix emotions. I'm upset that I'm on this journey once again and I'm glad that I'm doing what it takes to no longer be slave to the lender.
I know it takes time and that I'll get there

Budget, Car All Equals Money

March 28th, 2018 at 05:15 pm

I'm m trying to figure out how to get this Target credit card 💳 paid off by mid April. I've revamped the budget a 100x but I can only pay half the amount owed, about $350.

I'm so annoyed because, yesterday my car broke down, flat tire and this is the second nail I've picked up in the last week. I work over a hour away, I had to wait for the SO to come help me, and didn't get home until after 7pm. So today I ordered AAA, cost $100. I'm glad I had the money but annoyed that I had to use it. At least with this service I get a 100 miles of towing, and given that I work about 30 miles away, this is good. Not to mention, my car is 16 years old with over 220k miles.

Now that I think about it, I have to take a look at the budget again, to account for this $100 loss

I'd loved to have one month that Murphy doesn't visit

Student Loan Saga Continues

March 26th, 2018 at 05:54 pm

So I called Great Lakes, and apparently no matter what amount you pay extra, the amount can only be applied to interest. This is absolutely ridiculous, no wonder people take years to pay this crap off.

I'm going to write my Congressman/woman, something had to be done.

So, I've decided not to alter the DR plan after hearing this. I'll go ahead and pay off Target this month.

I received a $10k more on the house, thank goodness. That means more money to pay down debt. 🤦🏾‍♀️🙄. A nice chunk of change going all towards debt, I can just kick myself

Who hoo a extra $30 on CC

March 25th, 2018 at 09:45 am


SO filled my car up today, ⛽️ so what I had budgeted, $30, I'm throwing to my savings on CC4.

We headed over to Target after church ⛪️, I got cubed steak for dinner on clearance, too bad they didn't have any chicken. Meals are based on what's on sale. I headed to Aldi and picked up apples 🍎, grapes 🍇 and paper towels. Aldi has such great deals.

Now that dinner is in the crockpot, I'm just going to relax for a little while. Love Sundays

Student Loans and Credit Card Points

March 24th, 2018 at 05:31 pm

I haven't been using my BoA card 💳 other than paying my mom bill and then making the payment the same day. I do this for the points.

I had enough points to add $12.50 to the balance so I requested the points. There was a time that I was big on this but not anymore, cash is my new best friend, points just aren't worth it. Only reason I do this is to keep my mom expenses separate from mine when I'm balancing. Oops I do not pay my mother's bill, she's a senior and refuse to learn how to use online bill pay so I do it for her, with her money lol.

Regarding the student loan, I figured out I have to pay an extra $200 a month the keep this thing from getting higher, that's what I'm paying in interest. Ugh. I did not know what the devil I signed up for when I signed up for my masters. I have adjusted the budget to reflect this extra payment. I'm just happy that I am becoming more financially conscious.

I'm thinking of using the so called vacation fund as my fun money. Right now I budget $20 a pay period to go to this account, and I typically budget $30 to $40 for fun. I've been debating on what to do with this account, well now I know. This will be my fun money. The $30-40 typically budgeted will be added to CC4.

Since I've cut out the tv 📺, I have been more productive. Grant it I did waste a little time surfing the internet but I accomplished a lot. I cleaned the kitchen from top to bottom, I went through my dining and living area, changed the sheets on the bed and put away laundry that I've been holding out on.

Lastly, I tackled my budget, and planner, getting ready for April, next month things are really lean. I managed to budget the extra $100 a month I'd like to save, pay extra on CC4 and pay extra on those stupid student loans. I feel pretty good. Only thing I'm concerned with is should I pay the extra on the principle or the interest? The interest compounds daily

Weekend Shenanigans

March 18th, 2018 at 09:52 pm

Tackling the debt was the best thing I could have done.

Just looked at my budget for the next budget period and realized I can put 20 to 25 percent of my income into savings and still pay a little extra on the CC. Though I'd love to do that, I'm going to throw it at CC4 to get it down to $400 or less. Then I'll add a little to the EF to bump me over the $1200 mark.
This is all after paying my tithes first. God has truly blessed me. My prayer is that I continue on this path with no looking 👀 back. One of these days I'm going to be that person, walking around handing out $100 bills during Christmas time.

When you're doing what you are suppose to, you not only pay bills on time, something I never had a problem with, but you're way ahead of schedule. I usually pay the BoA credit card 💳 with the last check of the month because it's not due until the 2nd or 3rd, but for some reason I paid it the last budget period. Lol. I couldn't believe I had done that, and to be honest I'm not sure why. Maybe God wanted me to see the fruits of my labor.

I'm so loving this.

Saturday I went into a beauty supply store, and casually mentioned I wouldn't mind working part time, the owner's son offered me a job. I was like wow! They know me, I frequent the location, but the problem is that I can only do two Saturdays and month and Sundays are out, God has been too good for me not to worship. I'm going to pray on it and see if something doesn't work itself out where I can take on the extra job. I can use the extra cash to pay down student loan debt 👩🏽‍🎓. That would be awesome.

I forgot to mention that the SO suggested that we go out for ice cream 🍦 St. Paddy's Day 🍀. We're doing this less tv 📺 thing. I was a little hesitant but thought why not? Long story short, ice cream 🍦 and a milkshake was $20 at Kilwins, yikes! I wanted to scream but kept my mouth shut 🤐 . For the last two weeks he's been doing pretty good. But I couldn't help but wonder why couldn't we add this $20 to the EF or debt? I need to stop focusing on finances so much and enjoy life, but not to the point that I'm back where I started. I find myself not wanting to spend the fun money 💰 that I budget 🤦🏾‍♀️.

Honestly; it was a nice outing. We people 👨‍👩‍👦‍👦watched, found a really cool bookstore 📚 , and a super cozy coffee ☕️ shop that just so happen to be having spoken words, so we sat in. All in all it was a great weekend.

Target CC Down

March 18th, 2018 at 07:16 pm

I went ahead and paid $37 on CC4 knocking it below the $700 mark 😄. I'm so excited, that I'm trying to think of ways to actually have it paid off before May 1st.

My quarterly goal was to pay off one CC per quarter, I've already met my first quarter goal but it sure would be nice to make it two, in one quarter. I'm not going to stress too much about it because I'm already on track.

I also added an additional $38 to the EF bringing the total to $1174. This is awesome because I want to save at least a $100 a month, and I've beaten that goal for March already 😄. In addition; I'd budgeted $65 for the truck registration and it was actually $49 so I'll be adding the difference to the EF.

On a different note, I have cut out TV, the best thing I could have done. I find that by not watching tv 📺 I get to work on time, and there's more time in my day. Next on my list is social media. I have however; been listening to a new podcast, Jen Hemphill, I like her. She discusses finances and interviews an array of people.

Lastly, the SO and I just finished up our bible study 📖, I'm not sure what's happening but he's making some progress. I did end up asking how his week went with no spending and he said pretty good.

Edit to post. Just noticed that the funds for an item sold on Poshmark was now redeemable, $7.05, so I added this to my EF. I'm so excited. Things are trucking along. New balance $1,181.05

Decisions

March 18th, 2018 at 12:30 pm

I had budgeted $110 for the optometrist. Well for some reason, things just didn't sit right. I had scheduled my appointment but something kept nudging at me to call them. So I did and found out that my renewal is in July.

I ordered my contacts, that came to $34.99 and canceled my appointment. I'm going to pay half of what's saved to the CC and put the difference in the EF. But a part of me is saying add the entire $75 to CC4. If I did this it will bring the balance to about $658.

Decisions

$1,000 Payment Held

March 17th, 2018 at 03:28 am

On the 28th of February I paid a $1,000 on CC4. I notice that my available credit after paying it hadn't changed, so I called the credit card 💳 company. Well they were holding the funds.

Why would they hold the funds? Well I found out that if you make a large payment they hold your funds. This to me is the most ridiculous thing I've ever heard of. I paid it and it should be processed. Well they finally processed it yesterday, two and a half weeks later. Smh

I've updated my side bar, things are looking pretty good. As you all know, I'm not going on the vacation but I'm saving now for a laptop. I probably could have purchased a refurbished one this budget period but I decided to wait, it's not a must. I do like the idea of putting money aside so when I want a big purchase such as a laptop 💻 that's not an emergency 🚨, I can simply just purchase the item. Or maybe one day I can treat myself to a fabulous lunch, and a little shopping that's credit card 💳 free. What I've found is that this program works but for me I need to do something nice once in a while or at least know that I can. Though I haven't done anything foolish since I've started, just knowing that I have the $100 to blow, if I get a crazy urge, makes me feel good. It's a process. Who knows, I may use this money to pay my CCs, that seems to give me the most pleasure. Who would have thought that paying down debt, gave you a natural high lol 😂 too funny.

I know Dave says to save a $1000 for the EF and then tackle debt. But my car is old with over 200k miles. I drive about 60 miles round trip each day for work. So for me, I think I need to budget funds for the EF, even if it's $20. I want to have at least $6k 💵 saved in case I have to buy another car 🚗. I'm happy that I was able to throw an extra $54 at it. This may slow me down a bit, but if my car breaks down rather than financing I'll have good ol sweet cash 💰.

Sinking fund, well this was to be for car insurance, car maintenance 🚗, Christmas 🎄 gifts and sorority dues; unfortunately I've been using this account strictly for car repairs. I'm glad I have the money 💰 but I was really hoping to be able to pay my car insurance for six months. I have one more item to fix on my car, once that's done everything else should be good and come October I'll be able to pay the six months.

Oh SO, has challenged himself not to spend any money, seems like last week he did pretty good. I didn't ask but I'm happy he's at least trying.
That's it for now.

Not Every Discount is Worth It

March 3rd, 2018 at 06:26 am

Thank God for a sinking fund. Took my Camry in for a tire rotation, balance alignment and repair of the right tire rod. The car 🚗 is paid off with 222,356 miles.

I met a mechanic at the shop the last time I was there, who told me he did side work. But when I called him he wanted me to come in on a day that was slow, and his bosses weren't in. I'm thinking, I thought 💭 you did this at your home? Though I contemplated taking my car to him to save money 💰, I knew it was wrong. This is stealing, and God has been too good to me, so I took my car in for service and am prepared to pay what it costs in cash 💵

Hopefully the service isn't more than $400, because that's what I have in my sinking fund. I'm just waiting for a call back with the estimate.

Next, I was approved for the loan of $112k, closing must occur no later than June. I can't wait to sell the house and pay off my debt. I'm so thankful because, after paying off the debt, I'll still have money 💰 (20%) for the down payment. As well as a pretty decent EF. I can then get rid of the SO, my mortgage is estimated at about $350 less than rent. I'm going to cut the cable off, and start saving and living like no one else 😊.

This next pay period CC4 should be gone and then it's onto CC5. I'm so glad I started this debt pay off, that way I'm not using all my money from the sale to pay off debt. Feels good to finally see some progress.

On a different note, this month's book 📚 is "Stop Living Paycheck to Paycheck" and I absolutely hate it! I'm almost done, I hate starting things and not finishing. The author encourages use of credit card and a line of credit, absurd. If I'm living check to check, that means one have not nipped their behavior in the bus and you're recommending credit card 💳 use, ridiculous.

It's Better To Pay Off CC4

February 17th, 2018 at 11:06 am

Well after almost 30 minutes on the phone I was able to find out what my purchase interest rates were on both CC4 and CC5. Unbelievable, it was like pulling teeth and not being a dentist 👩🏾‍⚕️

Strange thing is, the statements only provide cash advance rates (never took a cash advance) but no rates for purchases. Long story short, it's better to pay off CC4 💳. I realized that the $1,000 from the tax return will be better served if thrown at CC4. So that's what I'm doing. I'm going to finalize my return today and hopefully receive my refund in the next 10 days.

I wish I could close these cards, but I won't do so until after closing.

After reading comments from one of my previous posts, I realized there's a Plato Closet near me that I can take some clothing items that didn't sell. Hopefully 🤞🏾, I can get a few dollars to throw at the snowball. I had some one reach out to me for the Ball Hopper, $15, we are suppose to meet tomorrow but you never know.

No New Watch for Me

February 17th, 2018 at 05:40 am

I'm at work and my coworker is talking about how he just bought this watch (making payments mind you) and how this watch can do everything, you can even have the face, for a price, changed into a brand name item, like Gucci or Louis Vuitton.

Normally, I'd be all over it looking and saying that's nice, even considering buying one but this time I thought how stupid and a waste of money. He even talked about how he had bought a new phone. It took everything in me not to say anything.

Later he brought up the watch again, when it was just he and I, I told him what a waste, you just wasted a part of your retirement and some of your kids college tuition.

The next day, he's talking about this watch trying to justify his purchase, he goes on to explain that men have to have things that make them feel good. I told him, he owes me no explanation and that he can do whatever he liked with his money. I said to him, when you look at how you spend your money, you see what's important to you, and that having nice things, brand names etc are important to him. However being debt free and retiring early are important to me. Neither is better than the other, it's just ones perspective. I apologize and went back to work.

My goal is to pay off two more CCs 💳 and start my 401(k) contributions back up at 8%.

I'm struggling right now because, as soon as I bump my sinking fund, something happens, car repair, tooth and it's back down. I know that I should be using the EF but I just don't want to. I feel good about paying cash for things.

I'll be finishing up my taxes today. I'm looking at about a $1300 refund, I really wanted to throw it all at CC4 but, car insurance is due and my sinking fund is low, so I have to use a part of that money for the car insurance. Plus, I have to fix my tire rod(?) that's another $200 maybe. So all in all I'm looking at maybe just over $700 on CC4. This sucks.

However, I can keep budgeting each month my car insurance, pay $1000 on CC4 knocking it down to about $850 and keep $300 for the tire rod. If I take this route, rather than starting the process of paying the car insurance every six month in April, I'll start in October. I think this option gives me the most satisfaction because I've knocked this CC down, and that's where my motivation comes from, seeing that debt going goodbye.


CC3 is Gone!

February 15th, 2018 at 04:49 am

Finally CC3 is gone! This was the City Furniture bill, over $6,00 in furniture that the SO only help pay twice, I think, once I know for sure. Never again, will I finance furniture. What I have now will last me the rest of my life. Lol

I went to bed, and dreamt about paying this card off today. It's pay day so I'd budgeted to have this bill paid. Good thing about it is the new bill actually generated last night that included any finance charges, so no surprises next month.

OMG! I'm finally free of this debt. Onto CC4, Target Visa. I should have this one paid off by the end of March. My goal was to pay off one CC per quarter and it looks like I'll have two in the first quarter of the yearpaid off.

In other news, my sister called wanting to know if I'd pay the closing cost, if she purchased my dad's house, I told her no. I'm not getting into that, you want it, you pay for it

I spoke with a loan officer, and she told me to hold off from paying my debts off too quickly, I thought this was weird. If I have the money, I'm paying them off

CC3 Almost Gone

February 14th, 2018 at 05:03 pm

I'm so excited, CC3 will be gone tomorrow.

I'm very OCD and believe that God should get what is his first, so I wrote my check out for my tithes that way when my check hits tomorrow, I can simply log in and pay off CC3. I can't believe it, three CCs paid off in less than one year. Though I didn't really get serious until about August. With my tax return CC4 will be gone. Wow!

Imagine if I had been gazelle intense before, what I could have done.

I started working on the 2/28 budget period and realize I have about $100 extra, Dave is right, you knock these debts out and it feel like you received a raise.

Sold My First Item

January 4th, 2018 at 05:49 pm

Made my first sale on Offer Up. It's a sweater I bought about 10 years ago that I never wore, and it's been sitting in my closet waiting on me to lose weight. 🤦🏾‍♀️🙄

I sold it for $10, so this will go towards CC3. I'm meeting the buyer at the police 👮🏼 station for the swap.

Patience pays off.

Paid Down CC3

January 4th, 2018 at 09:31 am

Whew with the money SO gave me I used and paid $90 on CC3 , new balance $299.00.

Now I'm just waiting on the Sprint check to come to hopefully pay this sucker off. No more financing furniture for me.

My boss is suppose to be submitting a request for a raise for me, we will see. I do have an interview next week paying more and closer to home.

Sprint Refund Nightmare

January 3rd, 2018 at 06:04 pm

Went to Sprint to try and return these earbuds I received for Christmas and it was an utter nightmare. Every time I go, they tell me that they do not have cash. This annoys the crap out of me because you only have 14 days to return. And if I was to miss this, then oh well.

The teller tells me she can issue a check but it has to be to someone who has a Sprint account and that person can give me back the money. What! You didn't ask for an account holder when the items were purchased.

I leave the store and call corporate and they're just as bad. The rep calls the store who tells her that I have to be back tomorrow at 3pm to get a refund. Excuse me I work. Long story short, I go to another store who issued a refund check that I should receive within 10 days. The only good thing about this, is that I was not charged the restock fee of $45. I told the SO to never purchase anything from Sprint for me again. Ugh. The refund is $213 and I'll be adding this amount to CC3.

Work news, I asked my boss today for a raise and told him I'd like to know by Friday. So I'm just waiting.

Came home and the SO gave me $100. When I asked what it is for he tells me that I should use it for what ever, so I'm adding this to CC3. I'm sure this is short lived but I'll take it.

His SO debit card was hit for $100, scam. Smh, this is the third person in the last few weeks that I know who have been hit by a thief.

Today was a friend's birthday. She wanted me to go bowling 🎳 and I'm like nope, goal is paying down my debt. This same friend is wanting every one to join her on a party 🎉 bus 🚌 for her birthday this weekend, cost $30. Nope, not doing this either. She'll be getting a regift of wine from me for her birthday costing me zip. This same friend complains that she needs to get a part time or another job paying her more money because she's broke. I told her what I was doing but hey it's up to her what she wants to do.

Lastly, I'm reading "Why You Need a Budget." It's pretty good. I know why I need a budget, but my goal is to read one financial book a month and quite frankly you can always learn something new about things you already know.

Paid Down CC3

December 29th, 2017 at 10:02 am

Bought my one ticket for the season game, SO didn't give me his money, but he has until the 5th to lock in at the current rate. Either way I had my money so I bought my ticket. I was thinking about holding off purchasing the parking pass, but opted to go ahead and do so since I budgeted the money for it already.

Honestly it felt weird, only to buy one ticket, not using a credit card and sticking to my guns. However; I realized that the only way he'll take what I'm saying and doing seriously is if I actually show him that I mean business.

I went ahead and transferred the $74.33 from the EF to my checking account to apply to the CC, new balance $511.67. I'm waiting on some things to clear, and making sure nothing pops up before I use some of the checking buffer funds to knock this card down to about $400. I want this thing gone.

So far I've posted 3 items dirt cheap and no takers, ugh. I'll be posting at least one item a day, as I declutter the house. Hopefully I can get some takers.

Lastly, I received a free calendar from the grocery story. I'm going to stick this to the refrigerator and note when the joint bills are due, that way they'll be no excuses. Not sure why I haven't thought of this before.


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