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June 22nd, 2015 at 06:00 pm

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.

CC3 almost gone

June 21st, 2015 at 05:59 pm

Well I logged in and cashed out my BoA points for cash. I thought the amount was $120 and in reality it was actually $153.93 😃

Right now the balance on CC3 is about $163. The good news is that if I receive the $153 from BoA within the next five days, I can add $10 and pay off CC3 by the end of the month.

I'm so excited because my goal was to have this CC paid off by June and to have $2k saved as well. This is such an amazing feeling to have reached my goals.

Next is CC4 the balance on that card is about $4800, the goal is to have at least half paid off by December

Hit my $2k

June 21st, 2015 at 05:45 pm

Well I did it! I hit the $2,000 mark for my challenges 😃

Added a dollar for losing a pound, and $15 for washing my own hair and not going to the salon. I'm so excited, I wanted to hit this amount before the end of the month. Now the goal is to hit 3K before October, fingers crossed.

I also paid another $15 on CC3, new balance $168

What a week

June 18th, 2015 at 01:11 am

Busy week.

Mom fell out of the bed and is wearing a neck brace, doctor thinks it's vertigo. She's doing better

Caught dad with the neighborhood prostitute. I was so shocked I couldn't say one word. I'll have to share the story later.

Had an interview, the job is perfect except for drive that is about 45 minutes away from my house without traffic. The company is currently five minutes away but will be moving. I have another interview Monday with a different company, I'll see how that goes. This one is about 20 -30 minutes.

I added $70 to my 52 week/$20 challenge, new total $1934. I'm so excited, it looks as though I may hit the 2k mark before the end of the month. I'm really trying, fingers crossed.

Got CC3 down to $263.50. Next week I'll be paying an extra $70 on this card so that will put me under the $200 mark. I was hoping to have it paid off by the end of the month but it looks like that won't happen until mid July. Better late than never.

Other than that, that's it in a nutshell. I weigh in tomorrow for Weight Watchers, I sort of fell off the wagon but I haven't used any extra points hopefully I've lost a little.

Down 4lbs

June 13th, 2015 at 04:32 pm

Weighed in at my Weight Watchers meeting, and I'm down 4lbs 😃
Because I'm down four pounds I added $2 to my 52 Week/$20 Challenge fund and $2 to my CC debt (4lb = $4). I'm super excited.

Yesterday marked 6 years that I've been with the BF, we decided not to spend any money on gifts and just go out for dinner. Made sense to me.

Honestly on a different note, I am thinking about taking the money out of my challenge fund ($283.50) to pay off CC3. I'm ready to start tackling CC4, I think I'm getting impatient. It's funny until I started my debt snowball the debt bothered me but not like now. It's like I'm on a high, and I'm trying to reach the euphoria, that feeling you get when you're debt free. 😃


June 9th, 2015 at 11:41 pm

Finally got CC3 under $300, new balance $285.50.

Dad gave me a few extra dollars and I always split this amount between CC and 52 Week/$20 Chalkenge. I was able to boost my challenge to about $1838 😃

I can say I'm doing good with paying down bills and saving. My sister called and asked to borrow $2,000, I'm so glad I said no. Normally I feel bad, and give in and then complain when I don't get my money back but this time I said no. Besides, giving her the money would have cleaned out my house fund and EF.

Fast forward two days and the BF tells me his cousin needs to borrow $2600 to pay the taxes on his home. Now he wasn't asking to borrow the money, but it sure as heck sounded like it. I just listened and didn't offer. I did take this opportunity to explain to him how important it is to save for rainy days.

I've talked about owning my own place forever and next year I want to make it a reality.

I've been applying for jobs that's paying more money. With a new job, I can save at a faster pace and pay down my debt more quickly.

Gym and CC Payment

May 29th, 2015 at 11:44 pm

Well I joined Weight Watchers (WW) free of charge through my health insurance. How cool is that? 😍

We have a wellness program with our insurance company. One of my of my goals was to lose weight, that is how I ended up with the free WW membership for six months. Sweet 😀

I went to the gym so I'm adding $2 to my challenge. I also went yesterday, so it's actuall four dollars 😀

Dad gave me an extra $20, I paid $10 on CC3 and added $10 to my challenge fund. Things are going pretty well.

New balances:
$367.50 CC3
52 Week/$20 Challenge $1738.01

19,000 Bank of America Points

May 25th, 2015 at 01:17 pm

I currently have 19,000 Bank of America points that I can cash out for $120. I figured I can use the money to pay down CC3 or I can wait until I hit 20,000 for $160. 25,000 points gets me $250.
Even if I cash in and get the $120 I can't add $80 to make a $200, that sucks. I can take the money out of my EF but I do not consider this to be an emergency.

I'll have to enter in receipts and balance the check book before making my final decision. I just really want this CC paid off, current balance $379.

I wonder if my CitiCard has a cash reward? 😳

Extra Cash

May 24th, 2015 at 05:46 pm

Well dad gave me a $100 today so I contributed $20 to Christ Fellowship, the service was awesome.

I also paid $20.04 on CC3 bringing my total to $379.00
I added $20 to my 52 Week/$20 challenge, new total $1720. The goal is to hit $3000 by August and 5k by the end of the year.

Lastly, I hit the gym, and applied for four positions today.

I was considering heading to a concert tomorrow for about $40, but changed my mind keeping the focus on paying down debt and saving money, so it's going to be a beach day. 🏄🏾

I'm trying

May 16th, 2015 at 04:03 am

I decided to cancel my hair appointment tomorrow, savings of $35.
Usually I wouldn't do anything with what I have saved but something is telling me to to use some of my saving to pay down debt. So I payed $15 on CC3 and add $15 towards my 52 week/$20 Challenge. I figured every little bit helps.

New challenge total $1655.40
CC3 balance $394

Yesterday dad gave me $40, usually I split this amount as well but pay day isn't until the end of the week and I'm trying to hold on to every little bit until then.

Extra on the CC

May 11th, 2015 at 11:34 pm

Dad always gives me money every week, it's his way of saying he appreciates me. I've told him time and time again it's not necessary.

Today he gave me $50 so I paid $25 on CC3 knocking the balance down to $409. I added $25 to my 52 week/$20 Challenge, bringing my total to $1652. Whew if I can hit $5k by the end of the year I'd be so happy.

The key to saving is discipline.

Hit $1600

May 9th, 2015 at 04:39 pm

Dad gave me $50 towards his truck insurance. I'm actually responsible for paying it. See he doesn't drive anymore, but he lives alone, so I pay it to keep a vehicle in the yard. My brother who is suppose to be there may come home once every other week.

The insurance is $70 a month, not bad. So I simply added $25 to my challenge fund and $25 to CC3. Basically what dad gave me I used as extra income. So with the extra income I was able to knock CC3 down to about $440 and bump my house fund ( same as my challenge) to $1600. The goal was to hit $3,00 by the end of the year but I've bump that to $5,000 since I'm doing so good. Hopeful I can have CC3 paid off by July


April 28th, 2015 at 11:29 pm

Next week is payday and looks like will be able to save over half my check. I'm excited because paying down the two CC was the best thing I could have done.

On a different I have two interviews lined up and I'm super excited about those. Not to mention my boss is on vacation.

Over the weekend we had our company picnic and because an employee wasn't on the RSVP list, the woman denied her a meal ticket. I thought this was disgusting, and realized it's okay for me to leave an organization that supports this sort of behavior


April 22nd, 2015 at 11:19 pm

I was so focused on paying off CC1 that I forgot to pay CC3 yesterday and now I'll be hit with a late fee. Just one day can turn your entire world upside down 😡

On a different note I added week 44 to my 52 Week Challenge, brining my total to $1507.55.

I also had my interview, don't think I wowed them. My nerves got the best of me. But we will see.

CC1 Paid in Full

April 21st, 2015 at 10:48 am

At the start of the year CC1 was about $700, I manage to get this amount down to $330 in about four months; averaging a $100 a month additional payment. Now today I made my final payment. I am so excited I want to scream.

Next, I'll be paying CC2, $500. The strange thing is, I never received a bill this month. It's a HSBC cc and for some reason I have caught the devil trying to log in to view this account online. Needless to say, I know when it's due and what's owed so today it's goodbye. The only thing I have to do is transfer funds to my BoA account so that I can make the payment and the funds will hit the account right away if I use my BoA bill pay.

I tell you, knocking down debt is one of the best feelings ever.

Tomorrow is the big day

April 21st, 2015 at 01:19 am

Tomorrow my tax refund is suppose to hit the bank, I will pay off two CCs first thing in the morning. Then I'll pay all bills that are due on or around the first of the month. I'm so excited about paying off the two CCs. That will free up at least $50 a month.

On a different note I have an interview for a HR manager role. My fingers are crossed, I hope I feel good about the place and it's paying more. I like where I work, but I need to make at least 10k more a year. I have a masters degree, years experience and I am HR certified. The company I work for is so cheap and mistreat its staff that it's company knowledge that they are "cheap". It's the company theme song.

It's funny because when ever anyone resigns they miraculously come up with the money that wasn't budgeted before to offer a raise and promise to hire that second person to help you do the job you were doing, that was technically a job for three people. It's become a joke amongst staff that the HR manager and executive team aren't aware of. Sad but true.

Anyway my fingers are crossed and we will see what happens

Where is my refund?

April 18th, 2015 at 12:49 am

Just checked the status of my refund, and I should have a deposit made to my account next Tuesday.

Not sure whose post I read, but I too will be using 75% of my return towards debt. I like that number, 75%. With that, I should be able to pay off two CCs, add $350 to my EF and keep $200 for the Derby. Not bad, I just can't wait to make those CC payments. Paying off the two CCs will free up about $60 a month that will allow me to pay off CC #3

Paid Extra on the CC

April 15th, 2015 at 01:35 am

I say this when ever I start blogging about my finances, "so long as I am blogging I am on track."

Added another $10 to my 52 Week/$20 Challenge today, plus I paid an extra $10.00 on the CC. I received an extra $20.00 and of course I split the two Smile

I manage to get CC 1 (starting balance about $1500) down to only $342 in less than four months, I'd say that's not bad. I can't wait to receive my tax return so that I can pay it off.

Other than that nothing else is happening, just happy to be back on track.

Taxes are done!

April 14th, 2015 at 01:28 am

Yeah I finally completed my tax returns. I remember a time when I would rush to complete the return so that I can get my few hundred dollars. I was always in a jam. Now it feels good to see this as extra, not a rush, having the feeling of I can wait. Though I have debt, I love the fact that I have it under control and am working diligently to pay it off/down.

With that being said, once the funds hit my account, I will be able to knock out CC1 and CC2, I am so excited. Though the plans was to pay off CC3 as well, I decided to tackle this card (balance $500) using the funds saved from CC1 and 2. We're going to the Derby so I'd like to keep some extra cash on me and not use the CC I worked so hard to pay off. That's it in a nutshell 😀

Oops I almost forgot, the BF hinted that "he may need me to put a car in my name." I'm proud to say I didn't entertain the idea and nipped it in the bud. I flat out said no. There was a time when I would stress over things like this. I worked too hard to rebuild my credit. Though I have CC debt, I was surprised to see my score in the high 700s. Ultimately I would like to own a home one day.

Things happen for a reason

April 11th, 2015 at 08:53 pm

A few days ago I was struggling with deciding to pay down the CC or add to my EF/Challenge fund. Because I couldn't decide I split the extra money in half and applied to both.

Today dad gave me $100 so I applied this amount to my CC knocking the debt down to $362 Smile

I figured things happen for a reason. Had I not split the funds and paid the CC it would have been an extra $200 not $100 paid. With dad giving me the $100 I was able to pay a total of $200 on the CC anyway Smile

Now I must complete my tax returns, I'll be taking what ever extra funds I receive and pay down or off two credit cards.

Decisions, decisions, decisions

April 10th, 2015 at 03:21 am

At the start of the year, I said any extra money I receive, I would pay half on the CC debt and the other half towards my $20 challenge.

I received $200 from my brother today. I tossed and turned, trying to decide if I should pay this entire amount ($200) on the CC or half. I initially said I was going to pay down CC debt when I received the money but it really bothered me that I wasn't adding anything to my challenge. So with that, I took half and paid the CC and added the rest to the challenge.

Part of my goal is to save $5000 for the year, (that will give me about 6 months worth of expenses saved) and to pay off two CCs. I must say my methods are working, I should have about $1500 saved by the end of the month, if not more, and three credit cards paid off. With three CCs paid off I can save $75 a month. Smile

Just hoping I made the right decision

Super Proud of Myself

April 9th, 2015 at 10:49 am

I am super proud of myself. I've been keeping up with both the 52 Week Challenge and the $20 Challenge. Today I deposted week 45 of the 52 week challenge (started backwards); $56 was set aside for the $20 Challenge; and $56 was paid on the CC. Dad gave me $112, so I split what ever he gives me between the $20 Challenge and CC debt.

Made my first student loan payment, and it didn't feel stressful Smile

My brother is giving me $200, he always does this because I do his taxes, and his house is in my name ( he has never missed or been late with a payment in four years). Once I get it, I'll pay down a CC, knocking my balance to $375 and when my tax returns are received, it's paid off. First CC of the year.

So with so much great news, I'd love to do the happy dance 💃

Oops I failed to mention in about four months I have socked away $1,343.55 not bad.

52 Week Challenge

January 22nd, 2015 at 12:11 am

Well I've added to my 52 Week Challenge, I started backwards and am on week 50. So $50 was added to my challenge (saving) bringing my total to $303.35.

I'm really happy and hope (fingers crossed) that I can keep up. I've also added any extra funds I receive.

As far as starting at week 1, I'm actually on week 7 but I'll be adding week 7 and 8 ($15) to my CC. I'm actually working this challenge both ways, paying down debt and saving at the same time Smile

Hit the send button

October 6th, 2014 at 12:26 am

Well I went ahead and paid off the no interest CC. In my heart, I know I did the right thing but my mind tells me differently.

I will say this it feels darn good to know that I went from about 10 CCs to only four. Hopefully by December I will be down to three.

Last week's sermon message was "If you don't have a plan then you plan to fail." With a little bit of determination and effort I have been sticking with my plan and it feels great to see things coming into place.

Normally when I do not blog I tend to fall off the wagon. But I am proud to say, I am still trucking along. Bumped my EF up, added to my IRA and paying down debt. It feels great.

Oh and the job is going great. Been there now for 90-days and had a great review.

Things are starting to fall in place. Thank God.

I need your help. I have a question for you all.

October 5th, 2014 at 01:11 pm

Hi all!

It's been a awhile but I haven't stop working on paying off debt and saving.

I've been on the new job now for three months and was able to sock away a little over $1000 to rebuild my EF. I've also been able to add about $200 to my IRA account. Not much but something is better than nothing. Not to mention I've been getting the debt down as well.

So I have a question for you all. I have an extra $500 set aside, different than my EF.
I owe about $450 on a no interest CC, interest doesn't start until 2016. I'm sure I'll have it paid off before then. I owe about $1400 on another CC, with interest. I'm not sure if I should pay off the no interest CC first or add the funds towards the CC that is accumulating interest. If I was to pay the $500 on the interest CC that will bring the balance down to $900. Next Tuesday is payday and I can add another $300 on that balance, leaving a balance of about $600. So I wanted your thoughts, which should I pay off first?

I like the Dave Ramsey way of paying off debt starting with the smallest debt, it just seems like I'm accomplishing thing.

Mehta I've been upto

October 23rd, 2013 at 01:06 pm

Well so much has happened.
I've officially launched/opened Kelly's HR Services. I had my first client and I made $200 but I had to put everything back into the business. Which by the way is fine.
I also had to fire my trainer due to her lack of professionalism with my first client and now I believe I have lost referrals due to it.

Running a business is not easy and it takes a lot of determination. I find myself at times somewhat overwhelmed but I just need to slow down. The official website is www.KellyHRServices.com, I actually designed it myself. Didn't have any funds to pay someone. Check it out and let me know what you all think.

In financial news, I just paid off CC # 5 and have three left to go. I'm super excited because I believe by the time February rolls around I would have them all paid off.

Things are trucking along slowly.

CC 5

September 4th, 2013 at 10:39 am

Paid off CC #5 today, super excited. I can't believe I went from debt to debt free back to debt and now working on becoming debt free again.

On a side note, went by my mom and my sister was there with her grandson, my great nephew. She moved back home. Anyhow I gave my nephew a dollar and my sister says to me, "don't give him any bills only coins because I use the bills given to him." I thought are you kidding me? The kid has a piggy bank, and you're taking the paper money out. I was so disgusted. Reminded me of the time she opened a bank account for us as kids and cleaned it out.
So I hid the piggy bank in my mom's room and told my nephew not to tell his grandma. Poor kid is only three so he might

Well I did it

May 8th, 2013 at 11:56 am

Okie dokie, I paid off CC4, CC5 and CC6 today. Yay just a little over $2000.

Unfortunately CC3 that I had paid off in January and the BF used for a rental car (and never gave me the money)I had to pay off again ($228.00) so I did not count this one. I am not going to complain about this because it was a birthday trip I wanted and we agreed I would pay for the hotel and he would pay for the car. However, I ended up paying for everything, oh well you live a learn.

But I am super excited, I have paid off a total of 6 CCs since January and it feels good, not mention I have freed up about an extra $180 a month in minimum payments. The plan is to sock $100 away week to the EF and to pay about $40.00 a week to CC 7 and CC8 hopefully cutting these balances on these cards to half by the end of the year.

Once my raise kicks in, in August I can probably double the amounts saved a week and paid to the CC

Checking in

May 5th, 2013 at 11:32 pm

Hi all!

I know I am not blogging as much but just know I haven't charged anything on the CCs.

Even though, I am not blogging I am somewhat hanging in there with my finances.

I am on week 23, of the 52 week challenge, trying to stay ahead. I also made a $5.00 contribution to my IRA. I usually contribute anywhere between $20-35 a week but last week was the first of the month and so many bills are due; however, I wanted to make sure I deposited something vs. nothing.

I am hoping with the extra money, from my most recent raise that I can pay off CC4. My student loan disbursement should be received and if it is what I am thinking of I will pay off CC4, 5 and 6 socking away the remainder to my EF. Starting next month even though I am not schedule to start repayment of my loan until September, after graduation, I will make $25 a week payments to my student loan. I figured that would be about $250 paid on the principal. My employer mention paying off my student loan or a portion of that, so keep your fingers crossed.

Other good news I have managed to sock away $6000 to my EF, I'm hoping to have this up by $2000 in June Big Grin

In addition, I love my new job. There is just one-person who drives me crazy, but I think he means well, I just have to figure out how to deal with him.

Great news

April 23rd, 2013 at 02:35 am

I think by the end of the month I should have CC 5,6,and 7 paid off only leaving 8,9 and 10. Yes I know, I have way too many credit cards. I was once debt free about 4 years ago but then I was laid off and depressed and spent spent spent.

Because I've done it before I know I can do it again. It feels good to have paid off 4 CCs and its only April and now I will be paying off a few more.

The goal is to be debt free (less the student loans) by time I'm ready to move. That's another reason why I'm working so hard. My boss had also mentioned paying off my student loans. I'll bring it up again when it's close to graduation. Honestly instead of bumping me to $60k+ a year I'd rather he pay my loans and I work for him a year.

I've also manage to sock away $6000 in the EF account too Big Grin

So even though I'm not blogging I'm still on track and that's actually a challenge for me.

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