I don't know why but it was bugging me that I had hair money and not applying it to the snowball. So I paid $40.05 CC3 brining the new balance down to $920
Can't wait to receive my retro pay, so I can get the CC out of my hair.
Viewing the 'Credit Cards' Category
I don't know why but it was bugging me that I had hair money and not applying it to the snowball. So I paid $40.05 CC3 brining the new balance down to $920
Fiancé insisted on purchasing new ornaments for the Christmas tree🎄. I'll admit I was excited and did not stay strong. I personally did not contribute to this purchase but I didn't stop it either. I feel so bad. Once he wakes up I'm going to ask him to take these items back, it's about $22 worth of tree decorations. I'll ask him to put the amount spent towards his baby step 1. We can always purchase after Christmas for much less. As Dave says, never pay full price.
The plan was to go to Home Depot, he needed something for his business. Then head to Wal*Mart to pick up lights for the tree. Wal*Mart had them for less than $3 while Home Depot was selling for $5.
While in Wal*Mart I saw the PJs I always get for the boys, that was $4.95 each. I had $14 and some change left in my gift envelope so I picked three up for my great nephews. Not bad Christmas gifts 🎁 . I also saw pogo stick for $15 and I thought these would be cool gifts but I didn't have any more money so I left them. The envelope system works.
While at the checkout I couldn't help but feel bad, I cashed out my items, while he rang up his. I was thinking this is wasteful spending. We have Christmas decorations already, why are we buying more? Just to change the theme, ridiculous.
I remembered the conversation we had just before we left as I stood in line. I had reminded him that he still owes me $200 on the CC2. He asked for what and I him it was for the hurricane supplies we bought. I can tell he was frustrated, he says "Oh yes, I remember let me get somethings taken care of, I have a lot on my plate." It hit me while we were checking out, spending money while we're both down is something that has to STOP 🛑. Both of us cannot be spenders, impulses buyers or those who use buying as a tool to "cover up" how we are feeling, it only adds to the problem. His problems is the past due bills and his mother not paying him.
Once we got home I put the items by the door as a reminder to take them back. I sat down at the table to add my $14.25 spent to my gift register, according to my register I should have $.05 left and that is what was in the envelope. However, when I checked my spread sheet I had over spent on gifts this budget period by $5. I can't figure out how. Looking at the tally in the spread sheet column for gifts, it looks right. Either way, if that is the case, I'm taking one of the PJs bought for next year for the fiancé back, and that $5 will go towards my snowball. Not sure how I went over or why the register not the spread sheet matches. Oh wait, I had money left from the previous month. Okay make sense now lol
Edited to add the conversation.
So he's up and I say I'd like to talk now about what we did last night. He's like what. I say, I think the money we spent last night should go towards his baby step 1. He shuts down and says, we'll talk about it later. This is a losing battle. His rationale is that I have a job today and I'll make $1300 that would be my baby step 1. I'm trying to get him to see the bigger picture. If you put $25 towards baby step 1 you only have $975 to go, right now you have $1,000 to go. Isn't it easier to come up with $975 than $1,000. He says I don't think like him, 🤦🏾♀️
I asked him if he wanted breakfast and he wanted to know if it was in my budget. Really? I'm officially done.
Second update to this post. I was so mad that I paid CC2 offthis morning. The thought of my checking account dropping below $900 dollars scares me but I did it. On to number three.
So the holidays are coming and I decided to budget a few dollars each pay period. I spoke to the fiancé and told him I wanted to not spend anything on each other but if we did, keep it under $100. Of course he wants to exchange gifts.
Well I ordered the myPoints Macy's gift card for my neice, $25. I set aside $40 this pay period to order a men's sport coat for the fiancé through Macy's. Well I found a gift card I had, and the jacket that was originally $200 cost me $17.67, sweet. I went through the Ebates app and got $1.61 back. Paid cash for by the way lol.
So all bills are paid. This pay period I spent a total of $936.02 on CC/other debt, I can't wait to get these little bugs out of my hair. A total of $215.32 was paid on CC2, this was all extra. I'm officially starting baby step 2 of the Dave Ramsey plan and I'm excited. It took me two months to fulfill baby step 1 but at least I'm there.
I'd budgeted $35 for contacts but decided to hold off again from purchasing, I'm thinking of throwing the $35 towards the CC debt. Reason why I haven't is, a young woman lost her fiancé, she has two small children and she's struggling. I'm thinking about taking this money and buying Thanksgiving dinner for her. I'd budgeted the $40 for gifts and still have $22.39 left that I could use to help her out as well. Everything is on sale and I'm thinking we should be able to get a decent meal for her.
That's it for me, I'll be updating my totals this weekend and sharing.
Ordered a photo book online Walgreens.com, I received an order confirmation via email that everything would be ready at 4:10pm. Needless to say, about four hours went by and I had not received my order is ready for pick up email. Called Walgreens, and was placed on hold, then told I couldn't pick up until tomorrow. I explain how important this is, that my confirmation email stated 4:10 and that this item was gift. I'm placed on hold again, then told the order is ready and was misfiled.
Head over in the freezing cold, stood in line for 20+ minutes, then provided the photos of something I did not order. The guy apologizes, then leaves and never comes back. A Megan then pops up, asked if I was waiting on the photo book, I say yes, she then tells me I have to pick up in the morning because no one knows how to create the book and that the person who does, isn't answering their phone. By this time I'm furious, she tells me she'll give me a discount and that the photo guy comes in at 4 am. I'm going to be furious if these photos aren't ready.
Revamped the budget for the 100th time 🤦🏾♀️🙄. I realized I did not include CC2 payment of $25 that's due on the 20th. I get paid on the 15th and 30th of every month. I like to pay all bills due within those pay dates, trying to stay ahead of the game. Though the bill isn't due until 20th, after the 15th, as my dad always said, "the best time for a man to pay his bills is when he has the money."
Well I thought I'd have a few extra dollars left over, but I realized that's not the case. I forgot about my plot bill, $50. Oh well it was great thinking that I had the monies left over lol.
After remembering about paying for the plot, I was trying to figure out why the bank account when balancing was short $16. Well I ordered checks. After the money order debacle with the land lord, I decided to send her a check each month. It cost me $38 to stop payment on two money orders. Had I written her a check it would have been $25 for one check. I don't use checks for anything else. Now that I do have them though, I think I'll use it for my tithes at church. That will mean 3 checks a month and I have a 100 checks so that will last me a while. I'll put the $16 back this pay period. Ugh now I have to rework the budget. 🤦🏾♀️
Meanwhile, I'm wrapping up a few loose ends before payday Tuesday. This has been a really crazy last two weeks with spending. It was mostly gifts, ugh! Though I knew these expenses were coming and I had budgeted for it, it's still annoying that over $150 was spent on gifts. Christmas is coming and my budget is $300, that's it. So the next few pay periods I'll sock away for it. Good thing is, I have mypoints points for a gift card for my neice, my nephews are small so I can get little things that they'll like. And the BF will get cologne and a sport coat, that's it. Wish I'd started earlier with my budget but hey.
Lastly; as I am updating my debt snowball spread sheet, I realize that what I pay in interest is far more than what is applied on the principle. Though I knew this already, I think it just annoys me to see it on paper. My ahhh haaaa moment. I've got to get this stuff paid off or I'm going to die a slow death in debt.
So I get home today and CC4 that I have not used in quite sometime, over 6 months, but paying off has been increased my limit to $7,700 (odd number) just before the holidays. 🙄🤦🏾♀️
I don't need any more credit card debt so I'll keep the card where it is.
On a different note, I'm loving the envelope system. Dave Ramsey (DR) was right. If you feel money, and watch it leave your hands, you think twice about spending it.
I have about $50 to last me until next Friday, in the grocery envelope . So while I was in Publix, I needed spaghetti. I normally purchase Mueller, but Ronzoni was BOGO. I'm sure you guess what I bought. Not only did I get a BOGO, iBotta has $0.50 rebate, plus $0.25 on pasta; therefore the two cost me $0.84. Not bad. Just the thought of being smarter with my money is awesome.
Though, I don't blog as much I'm still on track for paying off CC3 by October.
I'm super happy to know that I'm still working on paying down debt. I've gotten CC3 from $1821.31 to $1513.00. Next week is payday and I'll be paying $100 on this card. I can't wait until I'm done and then can start on the fourth card.
I did it, I've paid off CC2 a total of $656.00.
I thought that I wouldn't be able to, but after my fiancé gave me his portion of the bills, I was able to take care of it.
Though my savings isn't that great, just having the CCs paid off makes a huge difference. I feel somewhat free. I say somewhat because I have so many others to pay off.
Now it's off to CC number three, I've already set up the weekly payment of $20 the begin next week.
I'm so happy you all wouldn't believe it.
I have gotten CC2 down to $820, I have an 401(k) with an old company I worked for that has about $900 so I'm going to withdraw it, pay the taxes and pay off the CC. I wasn't with the company long when I signed up but either way, it's enough to pay off this CC.
In other news, it's been a relaxing weekend, enjoy your holiday everyone. 🇺🇸
So I have about $800 set aside and I so want to pay off my CC. Though this will deplete my cash on hand, I'd love to pay off CC2.
Dave Ramsey says to save a$1,000 first and then tackle debt but I just want the CC gone.
I have to laugh because now that I'm engaged I just want everything gone, when it comes to debt. Not that I didn't before but now I'm like it must go.
Though I haven't been blogging, I've still been saving and working towards paying down my debt.
I've paid off my first CC today, remaining balance was $710, it felt great to knock this little bug, as Dave Ramsey calls them, off my list.
My dad always use to say, the best time for a man to pay his bills is when he has the the money. One thing I've learned is that is true.
Now I'm moving on to CC2, balance is $975. I'm going to transfer tthe weekly $20 payment that I was paying on CC 1 to CC2, goal is to pay this card off by October, and then move on to CC 3.
My goal was to pay an extra $200 on the CC by the end of the month, and it looks like I have met that goal. I'll double check on the 31st, there's some pending things. What sucks is that, I'll be hit with interest but if I keep doing what I'm doing, I'll have it down at least by a $1000 by the the d of February.
On a different note, I'm happy that Saving Advice is back up and running, I was a little nervous.
Rambling Mondays ugh!
So the boss sent home an employee who was really sick, we all could tell she was not happy to do so. She told the employee that she must use her PTO time, strange thing is this is an exempt employee.
My mother called earlier, and asked me to take care of at few things. I was a little busy and didn't get around to it. So when she called I explained I hadn't taken care of it and she hung up on me. I was furious but I'm just going to pray for her.
As I was leaving the office, it was very windy all I could think about was a joke my dad use to tell me about the wind. I miss him so much.
I forgot to mention that I've finally signed up for tennis lessons. I've always wanted to learn how to play and the high school is offering it for $47. This is for two hours, once a week for 8 weeks. Not bad, most places want $30-45 a hour.
Lastly today is my very first no spend day of the year, so I'm adding $2 to the CC.
That's it in a nutshell 🥜
So I usually pack my lunch because one, I can't afford to eat out every day, two I like my quiet time to read up on a few HR things and Bible study, three it's expensive to eat out.
So my boss comes and says the team is going out to lunch and she'd like to take me out for my birthday. I declined respectfully and explained that I had already plugged in my crockpot lunchbox. She insists and so does other teammates, so I say okay. We get there order, and the waitress comes and ask if the checks are separate. My boss who was taking me out to lunch says yes.
😡 Now I'm annoyed. First you said you wanted to take me out, second I had already packed my lunch and two we spent our lunch wolfing down our food because you're in a hurry, not to mention she didn't eat any of her food and complained the entire time. Ugh
Lunch was $14 but I added $5 for a tip costing me $19. And because I had not budgeted and any time I do this I pay the same amount on my CC. Ugh. $40 I really didn't want to spend and it was rude.
Twice this week I've been bamboolzed and it won't happen again.
Next time I pack my lunch, I'll be eating my lunch.
One thing my dad has always said and that was, " A best time for a man to pay his bills is when he has the money." Trust me when I tell you, this is a true statement. You may not have much afterwards but at least your bills are paid.
Got up this morning, said thank you to the Lord for letting me see another day. I forgot it was my birthday, until I got a few texts. So I'm adding being thankful for another birthday to my list.
I'm also thankful because I was able to pay my CC bill as soon as I got it (best time to pay a bill) . I checked my emails and there was a bill from HSBC. I'm really sick of these CC bills. Like Dave Ramsey says, they're like little bugs, flying around nagging you. I can't wait to get the bills down and out of my hair. I can say, I got my BoA CC down by almost $200 this month, this comes from $2-$7 here and there.
So long as I continue to do as my dad says and blog here, I should have most of my debt paid off by December.
When ever my classmate is in town, he always wants us to get together. I really didn't want to go and spend any money but I decided to go, since we hardly see each other.
Needless I was glad I went,it was great seeing everyone. We had great conversations and was able to capture the moment with photos. He also decided to foot the bill and we just left the tip. I thought that was nice.
I decided to take what o saved, about $13 (I had a salad) and $5 in tip, and paid it on the CC. I figured, why not? I would have spent this anyway.
This weekend, I'll update my sidebar. I've been a little busy.
For two days I did not have a soda. I almost caved in yesterday because I was stressed but I didn't. So for that, I paid $4 on the CC. I know some would say $4, but $4 here, $2 there all added up and I was debt free at one point by simply doing this. So I'm back at it.
Also thanks to everyone who has joined the Fitbit challenge. I haven't met my goal of 10k but at least I'm back walking. I did 30 minutes tonight, super proud of myself. I'm adding $2 to my challenge for being active.
Happy New Year everyone! 🥂🍾🎆
Today was a little busy for me. Went to church, then off to find a belated Christmas gift for my boss, cleaned my car, meal prep and grocery shopping. I really wanted to get my shopping out of the way so that I could have a no spend day tomorrow but I forgot to get gas.
Church was awesome, it's been a while since I've been the first Sunday of the month, let alone the year. Unfortunately, things are tight so I was only able to make a $20 donation.
From there I headed over to Michael's, I wanted a new planner but just couldn't bring myself to spend over $30 on one. I would have had to purchase the binder, that was $20, the calendar another $5, plus other things I wanted like the meal plan, and fitness items. Just not worth it.
I was going to go to Bed Bath and Beyond but decided to head to the Christian bookstore to get a gift for my aunt ($7). While there, they had a lotion/bath set at half price for $10 so I picked this up for my boss. Not bad. Though I hate gift exchanges we had one at the office, the boss was on vacation so I made out like a bandit by waiting. Oh yeah and I found a lovely planner for $10.
From there I ended up buying a sub, ugh. Cost me about $10 with a drink and chips, needless to say because I ate out, I had to also pay $5 on the CC and add $5 to my savings. I figured, if I had the money to eat out I should have the money to pay down debt and save.
Once home, I created a meal plan for the week. From that I went grocery shopping ($64), I'm hoping to stay focus and keep up with my meal planning.
Lastly, I washed my car myself, costing me about $6, saving me another $6 so I'm adding the $6 saved to debt reduction and savings.
Looks like today will be my first no spend day in months. I'm here with dad and will be heading home shortly, when I realized I haven't spent a dime. So I'll be adding $2 on the BoA CC.
In healthy living news, today is day 2 and I have not had a soda, adding $1 to the BoA CC. I also walked a little over a mile today so another buck added to the CC. In all today, I'll be adding $4 payment to the BoA CC.
I really tried today to make it a no spend day but that didn't happened. Needed a few girly things so I headed to the store. While I was there I went ahead and picked up snack and dinner for tomorrow.
I did workout today. I started back walking/running. I want to train myself to run at least a 3k
I will say this, today was the first day in awhile that I did not have a soda, yay! I was so excited, and to be honest I wasn't even craving one.
In financial news, I checked my checking account and I had $.90 worth of change so I rounded down and added the $.90 to the credit card. Because I worked out and didn't have a soda I added two more dollars to the $.90, giving me a total of $2.90 paid on the CC.
That's it in a nutshell. Hopefully tomorrow I won't spend a dime.
Yep, dad gave me a $100 today and I transferred it to my savings, I'm at $2182.29, can't wait to get paid to hit the $2200 mark.
Also added $9 to the CC, have to stop eating out, this is adding up.
Tomorrow, I plan on making chicken and stuffing in the crockpot.
On our way to the fair, haven't been there in years.
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
Went out to lunch with an colleague and spent $20 so I decided to pay $20 on CC1, how I see it if I can eat out I can pay extra on the CC.
New total $1000
Last year I became a member of the Alpha Kappa Alpha Sorority, Incorporated. I knew that there were going to be a number of events that I would want to participate in and decided to open a second account, for this purpose. I must say, I am so glad I did this. I was able to save about $300 since December and just recently I had to order somethings. What I'm so proud about is that I paid for those items without feeling stressed, and that it was easy as 123. It's just nice to have the funds available at the ready to do what I need to do.
On the saving side of things, I received $15 from the Cash app for three referrals. I decided to deposit $8 to the house fund and $7 to the new home fund. Since this wasn't money earned, I thought why not use it to pay down debt and beef up the savings.
Yesterday I did not workout so I paid $2 on BoA CC.
That's it for now, I'll check back in shortly.
Though I had said that any extra money received that I Woolf put towards the house, but I find the need to add funds to my CC debt as well.
Last night I received an extra $30 from dad, so I added half to the $20/52 week challenge and the other half to CC1
It's a struggle but I'm trying. Hopefully today will also be my first no spend day if the year and I can add $5.00 to my challenge.
Okie dokie we are back from PA. We had my BF family reunion and of course I ended up spending money I should not have.
I asked the BF to move out. Prior to us going on this trip he still owed $120.00 for the airfare, now he owes me $200+ for cable, $75 for luggage and $281 for the rental car. I told him prior to going that I did not want to be responsible for anything concerning this trip. I foot the bill for the Derby because that was something that I always wanted to do, this was his trip. He wants to talk things out, but I'm done, financially, we are not on the same page, and I am tired.
On a different note I am tackling CC4, I caught the devil trying to set up automatic payments of $10 per week but I was able to do it.
I've managed to bump my IRA to $396.71, and still able to add $15 a week to that. Not to mention I signed up for the company's 401(k) at 3% that averages about $33 per pay period.
I was also able to bump my $20/52 Week challenge to $2211.30; I would love to hit the 5k mark by December, but it doesn't look like it unless I get a job paying more.
Lastly, I have been on two interviews with the same company and will be going in for my third on Wednesday. I am pretty confident that I have the job, but I won't post anything until I receive my offer letter.
That's in in a nutshell
Well today I weighed in at my Weight Watchers meeting and I'm down 2lbs, so I paid $2 on CC4. I'm down 7lbs in 7 weeks, that's a pound a week. Hopefully I can increase this.
In reference to the 401(k) I went with two target funds. Since I have no clue, and did a little research this seems to be the safest route for me. I put 90% towards the 2040 fund, my actual retirement, and 10% in a 2035. I've decided to just park and leave and gradually increase my payroll deductions overtime.
Hope I'm doing the right thing
Ugh! Received a bill from CC3, apparently the card wasn't paid off and there was some interest accrued; therefore, I owe $12.39 😡
I paid it it but this just annoyed me. I can now say goodby officially.
On a different note, I have started tackling CC4 and this week alone I added an extra $35.
I've also upped my 52 Week/$20 challenge to $2070. Things are going great. Hopefully I can get this card down by half by the end of the year.
I finally did it, I have paid off CC3. I'm so excited; as Dave Ramsey says, "Get rid of those little mosquitoes." Good news is that, I've already started tackling CC4, paid an extra $25 last night😃
Now it's time to up my weekly IRA contributions from $10 to $15. It's not quite where I want to be, but it's a start. For each CC I pay off, I plan on upping this amount by $5
Well I received an additional forty cents that put me over the $10 mark I needed to cash out on Ibotta. So I used that amount to pay down CC3. Now I wait patiently for my $153 in cash rewards from BoA and CC3 is out of here. I am so excited, I can just scream.
I'm ready to hit CC4, and get that one out of here.
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