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Stopping the bleeding

November 16th, 2018 at 05:11 pm

To stop the bleeding I have to pay an extra $200 a month on my student loans. Today I made my first $100 extra payment. I’ll be doing this each pay period. These things are highway robbery. It’s sad that any extra payment does not go to the principle first.

I’m writing my state senators and congresswomen and men. This is God awful

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

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

Student Loans

March 24th, 2018 at 12:00 am

Up late and checking balance dues. While doing so, I noticed that if I select auto payment for my student loans, my loan rate will reduce by .25%. It's not much but it's enough to save me some money so I'm signing up.

I also noticed that even though I pay every month my loan balance is increasing. I pay only the minimum, but shouldn't it go down a little? WTH? This makes me so angry, I now want to tackle this debt before the CCs. I know I'll be out of order of the baby steps but this is absolutely ridiculous. I think, well I know, I'm going to change somethings around regarding my monthly goals. Right now it's to save $200 a month to the EF, I'm still going to this. It's not part of the steps but it gives me comfort; being able to cash flow some things, such as my $300 car repair is better than accumulating more CC debt. Once I get BS1 to $3k I can stop adding to it. After looking at my loan debt, I'm going to add a monthly goal to pay an extra $100 on the loan. I'm going to revamp my budget.

Goals revamp
* Yearly pay down debt, stick with a budget
* Quarterly pay off one CC (four for the year)
* Monthly save $200 and pay $100 on student loan. Read one nonfiction book 📚 preferably on finances
* Daily get a little exercise in

Since I'm not going on vacation, I'm not sure what to do with the money. I feel like a) I should throw it at debt, it's about $40 a month. Or b) keep adding to it, to give myself a little me time one weekend. I'm so tired and I'd love to check in, at a hotel on the beach 🌊 and just unplug. All by myself. Or c) purchase that laptop I've been wanting and not needing. I'd love a laptop that I can carry with me. I can use it to work on my budget while I'm away or in bed. It's more for convenience.

Lastly one of my coworkers birthday is coming up. I really like her. She's planning happy hour 🍷 Monday but I've already blew through my fun money, for another coworker. This is where discipline comes in. I'm going to have to let her know that I just can't make it. I have nice bottle of wine 🍷 that I'm going to give her as a gift. I do have the vacation club money and the buffer in the checking but I just can't do it. I don't want to get in the habit of shuffling money around. I'm just going to let her know that I can't make it.

Update to post. So apparently there are rules in my student loan agreement that, require that outstanding interest and late fees (if applicable*) must be paid first, prior to a payment being applied to the loan principal. I check my loan balance and notice that it was going up vs down. I know Dave says to pay the smallest to largest debt first but the way things are going, I'll be in a 100k student loan debt if I don't pay this off.

I have one of two options for the extra payments and need your help.

Standard Allocation
(Most common)
* Once scheduled monthly payment and all outstanding interest has been paid, excess will be applied to the loan with the highest interest rate, thus costing supposedly costing me less interest over time. 
Done automatically.
Custom Allocation
(Least common)
* Once scheduled monthly payment has been paid, excess will be applied to the specific loans of your choosing. I set up manually.
* Here I can allocate how much of the excess payment is applied to the interest and how much is applied to the principle

I'm back! Again ;)

August 25th, 2013 at 03:24 pm

Hi all!
I am officially back, if I'm not mistaken my last post was the start of my summer classes in May , which by the way was super tough.

In the midst of all that I manage to add a little funds to CC, I had previously paid off but it's under control and should be paid off again in September Smile

A lot has happened, first I graduated! Yay I'm so excited. I now have a masters degree, the first and only in my family. Was it tough? Absolutely. Am I glad I stuck it out? Yes
The day of graduation I received a $15,000 raise, sweet. Unfortunately the money now must be paid on student loans.

Also some more great news, I've started a Human Resource firm. Basically the company is geared toward small businesses. I'd like to the point of contact for these businesses as their human resource department but out sourced. I have my first company, a construction business started by the owner of the company I am currently employed. I'll be drafting up the contract Wednesday for her to sign. It's great for me because construction is a tad bit different with all the OSHA requirements so this will help with me gaining more experience and knowledge

Please like my page on Facebook if you can, and share a few of my posts. The goal is to hit 100 likes by the end of the month and get a little traffic on the page. Name of the company is KHRServices

Now that school is out of the way and I've started the new business I can start focusing on paying down the rest of my debt.

I have been keeping up with my 52 week challenge. Smile One thing though I have about $7000 in my savings which is about 6 months worth of expenses. I wonder if I should stop socking away the $25 a week and start paying that on the CC? Any thoughts on this?

Glad to be officially back and don't forget to like my new business ( and share) on Facebook


After graduation

February 11th, 2013 at 04:03 am

Well I have decided that after graduation, I'll be moving. The BF has way too many other obligations that I simply can not handle.

First of the month rolls around and he is short again. In the year that we have been living together he has only pulled his fair share twice. Don't get me wrong, he is super sweet but being financially responsible is not his forte.

For example, we decided early on for my birthday we were heading to Arkansas, I asked him what did he want to pay for? Either the hotel or car, he chose the car. The rental totaled $287 and of course I was stuck paying for the car and the hotel. Yes I wanted to go away and would have planned something else if he couldn't afford it, and I asked several times.

The cable bill is due and of course he does not have his half, but I paid mine and that's it. I can do with tv, the cable is in his name.

I've said to him time and time again that he needed to set a budget, keep track of his spending for one month that way he could see where his money is going. His money is going to the kids because he can't say no.

I know it's hard, I recognize that. I too am working on some financial mishaps but at least I'm trying and making progress mind you.

Oh well it's too bad. On a different note I have been keeping up with the 52 week challenge Smile I'm actually ahead of the game.
I've also been paying down CC 4, I got it down from 1500 to 1385 by simply paying $2 here and there for the month of January.

I'm still waiting to hear from my employer regarding the $800 tuition reimbursement that I submitted in December. It's either yes or no, why its taking so long? It's a long story I'll have to share later, but lets just say a little over a year ago I had to hire an attorney and I personally do not think the CEO has moved on. That sucks

Right now I have an extra $300 just sitting in my ING account and I'm debating on if I should use the money to pay down cc4. A part of me says yes another says wait and sock away a little more but in the meantime I'm earning little interest while paying a lot more on the CC

Today Was a Good Day

January 3rd, 2013 at 06:03 pm

Well as you all know I paid off CC1 and 2 totaling $1747.36, the sad part is I owe over $11, 000 in CC debt. Goal is to get this debt down by half by August.

On a diffrent note, I received an email from HR requesting that I submit my grades, hopefully I'll receive the $800 I was originally approved for being that I have since changed my major. Please keep your fingers crossed.

In the end here's today's total:
$3 Car wash

$20 Challenge
--$8 added to savings ($2 breakfast, $2 lunch; $2 dinner; $1 Bible reading $1 weighted hula hoop)
-- $1747.36 Debt

All in all today was an amazing day.

I Got In!

July 8th, 2012 at 08:00 pm

Yay, I got into grad school. I can't wait to start. There are a few things I need to clear up, prior to starting (immunization, etc) but I am ready.

Now it's a matter of finding a job in the hospital or nursing home in HR because ultimitately thats is where I want to be Smile

Grad school and finances

May 28th, 2012 at 02:13 am

In hopes of landing a better job, I went back to school and obtain my bachelors; unfortunately, like so many college grads I did not obtain a better job. However, I have recently surrounded myself with what I would call experienced professionals, who are now my mentors (shhhh they don't know it). Lol

It's funny, when I was a kid one of my teachers always said surround yourself with the smart kids and you will want to be better. Guess what as an adult, I have and I think I'm doing better as it pertains to my career.

Training classes offered free by my job, I would turn my nose up at. But as I realize the more you know the more marketable you are, plus the classes are free. So I have signed up for an excel course, HR course, grant writing as well as leadership course.

I have also joined a book club, I am the youngest, with woman who are 60+ all whom are former educators, doctors, lobbyist, nurses etc. I must say I have learned a lot

In addition, I've joined some professional groups. For example, the Black Republican Caucus, which I am executive board member, the ACLU in which I will be trained on rights restoration on Wednesday, and I am a board member of my local city's Community Relations Board. So professionally I think things are looking up

With all that said, I decided to apply for grad school Wink seeking a masters in human resource. Keep your fingers crossed

On a different note, I have punched the numbers and it seems at though the BF is short monthly about $150. The month isn't over yet but I think I'm pretty close. So we will be having a discussion. I think versus him giving me money every other week he should hold on to it until the bill comes and we split it.

That's it in a nut shell.

Over extended

December 21st, 2011 at 06:01 pm

I have no idea what happened but I over extended myself and had to transfer money from my challenge Frown I am glad that payday runs around next week so I can put the money back but it hurts.

Today I went into Micheal's to pick up some miscellaneous stuff with my BF, big mistake. He ended up picking up a book for his daughter for $13.00 Frown causing me to spend $13 more than what I anticipated which sucks.

I hate going anywhere with him, especially if it is my shopping trip, he always picks up junk. I did tell him that moving forward I will not be shopping with him. I think he thinks I was joking but I am serious.

I said to him that I will be buying gift cards for his daughter and niece to JCPenney's and his response was kids don't like Penney's. Well I plan on using my CC and when I get my mileage check next month, pay it off. I am not spending any cash on gifts that His kids do not appreciate.

For his daughter's birthday I bought her jewelry, not a thank you. He had to tell her to say thanks like 4 hours later. For Christmas I got the youngest one, two years ago, a cupcake maker and its still in the box unopened. Last year she got an mp3 player, still in the box. One thing that I do know this will be the last gift they receive from me, if I do not get a thank you or the gift card is not used. Period.

On a different note, I received an A in my lab class and a B for my lecture. I am officially one with the prerequisites Smile Now I will begin studying for the nursing entrance exam

Pinecone Banner

November 21st, 2011 at 08:27 pm

I am currently looking for a Pinecone banner to sign up, I was a member but when I lost my job I became depressed and stop taking the surveys and now I would like to sign back up. So if anyone see a link please email me at veronak@hotmail.com

Ona different note I did a little bit of studying so I added a buck to my challenge/EF. Total today $7, I'm thinking I may reach my $1000 goal after all


May 12th, 2009 at 10:27 pm

I have managed to spend over $200 on clothes Frown and I know a lot has to do with the fact of not keeping track of my finances and now it is time to get back on track ASAP.
On a different note today was a good day at school I manage to start my paper and get my abstract done (1 page) and won't be able to start the rest until next week and I have gathered additional info from my practicum site . The goal is to have it done by the weekend.
I am surprised when my mom gave me $40 towards helping with the water bill, she is one who likes to hold onto her money and yours and yes I am thankful. My uncle also gave me $40, the water bill came to 60 (they have increased the rate by 22%) any how I have an extra $20 yippie

Off to a bad start

May 11th, 2009 at 10:37 pm

Ok I get up to head to my intern. First my alarm sounds and I decided to lay down an extra 10 minutes. Next thing I know I am running around like a chicken with my head cut off, but I am able to leave right on time in order to get to the hospital bright and early. Next I am waiting for my appointed time. When I finally go in ,the woman I spoke to tell me I am not suppose to start until next week and that she informed me of this. WHAT!!! I say to her in a polite manner, (as much as possible without trying to sound to annoyed) "I sent you an email to confirm this week" she says "you are to start after your first class and an email was sent" or something like that. So I smile and say I'll see you next week, but I am ticked off. So I am thinking maybe I misunderstood, but nope here is a copy of the email I sent her, dated Thursday May 7th:

Good morning C,
I just wanted to confirm that I will be starting next Monday and Wednesdays from 8am-12:30 for the summer internship


Her response:
Yes Amber. I will see you next week.Thanks

Now did I misunderstand?

I was so upset I forgot to stop at the college to give blood. later I head to class and it was great but then when I got home to down load the assignment windows media player there is no sound arrrrrgh, so I can't even start my assignment and apparently this is common with Vista, so I down load real player and the same thing OMG!. I emailed my professor and now have to wait for a response
So it really wasn't a good day

Off to a new start

May 10th, 2009 at 08:38 pm

Ok classes start tomorrow, I am both excited and somber. Excited because starting class tomorrow which makes it's official that this will be my last semester and after working so hard would be finally a college graduate. hmmmm I love how that sounds, lol Somber because I start my internship tomorrow and am hoping that it leads to a job in the end. For some reason I am not nervous which is a good thing, normally I am very nervous when ever I start a job but this seems like I belong there...no butterflies what so ever. Strange
On a different note, I did some shopping this weekend and spent a ton, tomorrow or Tuesday I will calculate just how much; however, there is one shirt for $8 that I will be returning
Also my uncle really went out today for all the moms, we had so much food and music, I saw my nieces and nephews whom I have not seen in months, it felt really good.
Well off to bed, want to well rested for my first day
Good night every one and if you missed my previous post Happy Mother's Day Smile

Just checking in

May 5th, 2009 at 05:18 pm

Hi all,
I'm just checking in, know it's been awhile but facebook has consumed me. I am still unemployed, but am really not looking (I have put in some applications). I got a B in my finance class and a C in my management class Frown
hmmmm what else, my savings is still fairly high but for the last few weeks I have been dining out so that has got to come to an end, meaning I have got to keep up with my blogs here.
Umph I start classes next week and as well as my internship and after that I will be graduating...yeah!!!!!!!!!!!!!
So that's it for now and thank you Ralph for reminding me that I have a family here Smile

Offered a job

April 6th, 2009 at 06:55 pm

I was offered a job today and had to turn it down, had she called me last week I would have accepted. But I have since registered for school, found an internship and committed to it. Some times I second guess my decisions but this one I had no problem with and I do believe that it is God's will and I have made the right decision. I also got my unemployment check today to I transferred next month's car payment to my EF
Oh and my biopsy came back with very mild dysplasia nothing to worry about so I follow up with the doc in 6months
All in all I feel really good and excited about school


April 4th, 2009 at 08:53 pm

Sorry I haven't been around too much but I finally joined facebook and now I'm addicted, lol but so much has gone on.
I went and did a one day gig at the Area Agency on Aging and the woman really wants me to intern. I also got a call back from a job that I applied and interviewed with about a month ago. But now that I have decided to finish school I think that is the best thing to do and hold off on unemployment atleast until graduation in August
I found 4 pennies on Thursday and picked them up with out even thinking about it then found at two yesterday and was only able to retrieve one because as soon as I was going to pick up the other a woman walked over and stepped right on it Frown
hmmm let's see I had another interview at the hospital for a part time position and the guy was so nice he have me a bunch of numbers for leads on possible internships for the summer. Well guess what one worked out and I will be interning at the hospital for the summer Smile I am so excited because this is where I would like to work in the long run. Well that is it for now

Ok I have decided

March 23rd, 2009 at 07:46 pm

I have decided to finish my education and not worry about a job. It is going to be tight but only for a few months, well the end of July will be graduation. I figured I would be more marketable with a bachelor's than searching for a job and explaining that I am currently in school and can't work Tuesday or Thursday evening and then explaining what my plans are after graduation. It definitely going to be tough but the opportunity cost in the long run will be worth. However, I will continue to look for a part-time job

4 hours

March 21st, 2009 at 05:35 pm

I got 4 hours of studying in and still haven't completed one chapter. I can't wait until school is over. I am currently majoring in health administration ( a business degree) and with this degree the way the economy is, any one with a business/finance degree is pretty much having a hard time finding a job. I am considering going back to school in the fall and obtaining my respiratory therapist license. It is a two year program...we'll see


February 25th, 2009 at 07:02 pm

I went to the library today and this guy sat at my table, it may not have bothered me as much but he kept staring at me which gave me the creeps. The funny thing is he sat there the entire time staring at me. So after about 45 minutes I decided to leave and look for the security guard to walk me to my car, but of course she was no where to be found. Any how I made sure my keys were in hand and headed to my car constantly looking in back of me. When I got to my car and pulled out I saw this car flash their lights and a hand stick out I thought you have got to be kidding me this can not be this guy. But it was a woman who sat across from me at a different table and said she followed me out because she did not like the way the guy was staring at me. She said it creeped her out. I thought that was so nice of her. She said she thought at first it was my boyfriend but then she notice we were not talking and he kept staring at me. Wow it is so nice to know that there are people out there who really cares
On a different note today was a NSD so $2 was added to the challenge/house fund

Trying to study

February 7th, 2009 at 07:59 pm

Well a friend of mine ask me to go over a paper with her today. So I explained yesterday that I would be at the library all day studying for my test on Thursday. Well low and behold she shows up but with her kid. I have nothing against kids but when I am trying to study I do not want any distractions (none). He was spoken to by the librarian twice who later gave us a study room. Then he was in and out constantly fidgeting and once again the librarian had to speak to his mom. He is a nice kid but why bring them to the library when you know you're going to be there for a while, studying. I was there almost 3 hours and still did not complete as much as I wanted to. Finally I had enough and said I was going to get lunch and was planning on returning but I ended up spending at little more than $7 at Firehouse and came home and took a nap. Now tomorrow I will head back but I simply won't answer my phone when she calls, I have got to get some studying in

Tday's Spending and Restaurant.com

January 21st, 2009 at 07:30 pm

Today I bought a bunch of newspapers only because I collect them when there are major events (9/11, the death of JFK.Jr etc) but the only problem is I can not remember what I paid for for themFrown
I put in a buck for the Powerball at work and went to Staples for school supplies ($4.78)rounded up the change and added it to the challenge cc. Also went to the gym so another buck added to cc
On a different note I got an email stating you can get $25 restaurant coupons for $5 so if any one is interested follow the instructions below:
I am not dining out until I get this cc paid off but thought this was a great buy Getting your gift certificate is this simple:

1. Click on the following link: http://www.ingoodhands.com/ 2. Drag your mouse over the photo of the table place setting in the lower right corner that says “Special Offer!”
3. Click on the yellow oval that says “Start looking”
4. Enter the restaurants.com site to choose the restaurants you like, select the number of gift cards you want and proceed to checkout. Don’t forget to put in the Promotion code “ALL”
5. Print your gift certificate and go eat!

What motivates you?

January 12th, 2009 at 03:49 pm

My teacher posted a question wanting to know what motivates us...and I thought long and hard and the only thing I can come up with is to be successful and working hard so that, that may come true but I am stumped I am pretty much happy with who I am, yes I have made some mistakes but no regrets
I was wondering what motivates you guys

Why am I not surprised?

January 11th, 2009 at 04:57 pm

Called my sister today to tell her I was on my way to pick up my money since she never called to say she had it and of course she doesn't. She said she'll have it on Monday, now my thing is this I told her I needed it back by Friday (like she promised ) and that it was my tuition money (which it is not I lied). You think she would call and say I know I owe you but I will give it to you on Monday? Nope...that is what annoys me with her, when she says she's going to pay you she never does and avoids you like the plague. It wouldn't be so bad if she just called. So I politely told her (in a firm voice) that if she causes me to be dropped due to non payment it won't be nice. We'll see if she calls me Monday

On a different note I got a X-mas from freecycle for next year and hit the gym today so no money was spent, but I have none to add to my challenge...darn
I even managed to get a couple of hours in to study


January 10th, 2009 at 06:56 pm

Well Friday has come and gone and Saturday is almost over and I have not heard from my sister, which doesn't surprise me. Tomorrow I am calling her to let her know I will be there to pick up my $300
Then my uncle call to tell me he was waiting on a $1500 check to pay me my $500..what! it's $550 not $500
You know, I know times are hard with every one but lending money always get me in an uproar, I do it because I always think what if I needed the money and then I give in. And I am always driven crazy. My uncle had already informed me that it would be a while before he could pay me but I wasn't thinking 6 months. My sister on the other hand, is a different story and I should know better (no excuses)
I returned my text book for $140.80. I went ahead and kept the homework manager that comes with it
Got my BoA bill and the finance charges were little more than $55, I can't wait to pay this card off
Anyhow I went to the gym missed yesterday and forgot to work on my abs so I'll be headed back tonight. The funny thing is, I went to Publix after wards and could not resists the vanilla cake
I am a little upset because I can not add to the challenge and needed to take money out of my EF to last me until next pay period. I knew I had socked away way too much but but thought I would give it a try
Yesterday and today's spending

Expense Categories
Education : Books 43.99
Gasoline 33.17
Groceries 11.74
Misc (co worker owes me $3) 8.95
Dining Out 2.22
Hobbies/Leisure : Lottery 1
Grand Total -101.07


January 9th, 2009 at 08:54 am

I bought a book yesterday for a class $167, well found the international version today for $50.94 including shipping (brand new)so I will return the one I bought tomorrow first thing in the morning.


January 8th, 2009 at 07:43 pm

Well my winning streak for not dining out ended today. Came home from work to have lunch and mom decided she wanted my turkey and left me enough for a half sandwich Frown I'm not annoyed that she had it only annoyed that I'm the only one who ever buys it.And Boar's head is not cheap. Anyhow I was starving and heading to gym so I stopped at McDonald's and got a kids meal costing me $3.30 so $6.60 was paid on the BoA cc/challenge.
Today was the first day of class which I'm happy with because the instructor seems to be really nice and I'm closer to graduation. The only problem was the book cost me $167 arrrrgh. I emailed the instructor prior to class for the ISBN number and never got a response so I had to buy it today. But I am really considering copying the first few chapters and ordering online, the international version for about $40 plus shipping
I always buy international books which are the same material but are in black and white...like who cares, but we'll see

Friend? hmmmmm I do not think so

August 28th, 2008 at 08:10 pm

Sorry long post
Ok I met this classmate a few semesters ago and what I notice with her if you got a 90 she got a 93, if you had 86 she had 90 and so on but she will never tell you her grade first she always ask you. However over the summer we took a marketing course and she asked me again what my grade was and I told her but she never told me and I did not ask. No mind you she says she did not answer the last question on the final which was worth 10 points but yet she got a 100 and there was no extra credit. So over the last few weeks she has mentioned how she needs to register for the marketing class, but of course I did not say anything because I figured if you took the course and passed then there was no need to register...I guess she forgot
Anyhow we have a mutual friend who was register in my Thursday night class that I did not attend tonight because I wanted to watch the DNC (being that history is being made today whether I agree with Obama or not) so she calls me up to see how the class is going and says to me A is dropping the course because the instructor is a jerk (that I already knew) but the point that I am trying to make is that I asked her for A's number to see if she wanted to commute to another campus together and of course she says to me she did not have the number (God forbid if A and I take a course and move closer to graduation with out her) So I am thinking if she just called you on your cell wouldn't the number appear? In addition, in the past when we all have taken courses together she has whipped out her phone and looked up A's number with out any problem and now today you no longer have it hmmmmmmm. I know some may say well maybe she doesn't want to give it to you. Well she has in the past and unfortunately I missed placed it and she was to call me just the other day because A has a book that she was lending me and this so call classmate was going to give me her number to get the book, now she no longer has the number. Yeah right?
The point is, if she thinks that you are doing a little better than she is she is not happy with it and she knows that if I complete this semester I will be graduating in the spring. I am just so annoyed because I have caught her in so many lies, one minute she will say I do not need to take the accounting class because I already have then she'll say oh I registered for that online. blah blah blah I wonder why
But when she calls I am just going to tell her what I think and cut her loose because friends like that who needs enemies

So in the end I am only taking one class but I am meeting with the HR director at the Agency for Aging to do some volunteer work since that is the place that I would like to work after graduation, in addition giving me a little break

On a different note, my uncle called today to borrow $800. I will lend it to him because he has never asked before and it must be serious if he is asking
My beautician called as well she needed to borrow $20 now I have been going to her for about 15 years and she has never asked so I gave it to her and when I went in on Wednesday we called it even

Just staying in all weekend

August 23rd, 2008 at 06:11 pm

I planned on staying in all weekend, so I hit the local library on Thursday and picked up 5 movies to enjoy over the weekend and thus far I have watched two out of the five and finished up a book I was reading. What I have found is that sometimes being single can be tough but if you get out and do things it's not so bad and I am enjoying my "no spending money" weekend Smile
School starts up Monday and can you believe I have not paid my tuition or did any price comparison for books nor picked up any supplies and most importantly informed my boss I have to leave an hour early on Mondays, I guess you can say I am really not into it this semester. I am burned out but I need to get over this, real soon and get the ball rolling
In addition, we have a serious problem with ants, they are even in my bed and I do not eat at all in my room. Where are they coming from? I dropped some ant kill but can't seem to get rid of them. I had to trash a brand new bottle of pancake syrup because of them...arrrgh

Back at it

August 8th, 2008 at 07:49 pm

I have fell off the wagon a number of times since I have not been posting regulary, but I plan on getting back on board.
Any how I returned a pair of $123 jeans that I did not need and a $22 dress that was not needed. In addition, my hair expense sky rocketed so I have got to go back to every other week. Here is what last month totals and I am not happy Frown

Expense Categories
Gasoline $286.54
Cellular $80.52
Charitable Donations $20.00
Clothing - Unassigned $176.63
Clothing : Acessories $59.99

Dining Out $71.31
Education:Supplies $1.49
Gifts $12.75
Groceries $201.90
Dental Care $800.00
Hobbies/Leisure $97.00
Household: Supplies $4.84
Job Expense : Non refundable $25.50
Loan - Unassigned $194.31
Miscellaneous $261.88
Personal Care Unassigned $10.87
Personal Care: Dental Hygeine $7.67
Personal Care: Products $34.42
Hair Care $278.97
Snack $0.25
Federal Income Tax $266.74
Medicare Tax $36.30
Sales Tax $31.84
Social Security Tax $155.21
Cable/Satellite $43.53
Electrcity $142.22
Water & Sewage $89.68 (prepaid for August)
Grand Total -$3,407.36

On a different note I got an "B" in my accounting class Smile I was so excited because I could have sworn that I was hanging on my a thread

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