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Viewing the 'Emergency Fund' Category


March 28th, 2011 at 05:56 pm

I absolutely hate going to the store with other people or letting anyone know I am at the store. First I'm with my boss at Target who convinced me to pick up things I did not need (I have a hard time saying no). Any how after I ditched her I put all the unnecessary items back. Then I call my BF who asked me to pick up something for him, when I ask what he says anything uggghhh. Lately he's been making little comments about him always buying me stuff and I don't ever buy him anything, well I'm in the world of debt which is no ones business. I'm simply not spending money. Long story short I spent $4 Frown so because $4 was spent foolishly I will add $2 to the EF and $2 to CC . I plan on informing him from here on out we will go dutch. I have no problem with him paying for his stuff and I do the same

Trying to keep up

March 28th, 2011 at 10:28 am

Trying to start over using the same method as before when I first paid off my debt. So I brought my lunch which saved me $4. I paid $2 towards my CC debt( a total of $4) and $2 towardsmy saving Wink all in all today is off to a great start.

What a day

August 12th, 2010 at 04:07 pm

First I realized there wasn't any eggs in the house so I bought breakfast ($1.07) then what was suppose to be lunch from my job, turned out be sucky so I had to buy lunch ($5.37). On a good note, I added $6.44 to my $20 challenge--matching what was spent on breakfast and lunch plus another $1 for going to the gym today.

I cashed in my change in my piggy bank, $67.87, this was added to my EF

All in all it wasn't too bad today

Today's tally

January 6th, 2010 at 04:47 pm

Ok woke up this morning and didnt want to spend a dime but it did not turn out that way so here it is:

Expense Categories

Loan Payment $100.00
Automobile : Gasoline $40.00
Gifts $26.64
Healthcare: Dental payment $10.00
Groceries $7.91
Dining Out $3.92

Total Expense $188.86

$10 weekly deposit to challenge
$100 transferred to EF
$3 paid on CC for dining out

So a total of $13 was added to my challenge Smile

Stipend received

April 11th, 2009 at 08:41 pm

Ok I receieved a check (partial) from the stipend that I am doing with a local organization in the amount of $500 Smile It was a nice surprise because I thought I would not receive this money until the end of the project. The rest is due to come at the end of the stipend.
Of course my mom checked the mail and the first thing she said was here is the check you've been watining on and me not thinkng opened the enevlope and said oh this is from P then her response was how much did you get. I ABOSLUTLEY HATE IT WHEN SHE ASK ME ABOUT MY ^&((&^$ FINANCES. So because I am caught off guard I say $500, her response oh you can take me to lunch tomorrow. When in Hell was the last time she has taken me out to lunch even on my birthday I paid for us to have dinner. She knows I am not working and every penny that I get I put in my EF to pay my bills. It just really ticks me off that she always has her hand out. I pray that I can finish school land a job and buy me a house to get out of here.
However, the check that I am expecting from another company still have not come Frown Sorry to vent but I was so upset


March 27th, 2009 at 05:19 pm

Well I received my tax return and of course my mom had her hand out. I usually give her $200 but since I am not working I gave her $150. I thought she would have said don't worry about it since I wasn't working but she took it anyway.... I should have known
So I wrote the check for my car, paid a $100 on the light bill, paid my internet bill, and cell phone bill all were paid early for the month of April. I'd rather have a credit than to be scrounging around next month trying to come up with the money. I also scheduled my May payment on CC number 2. Even though some of these funds won't be deducted until next month I went ahead and deducted them from my registrar.
I was also able to sock away $900 in to my savings account (this will cover two months car payments).
I should be getting my first unemployment check of about $600 so I'll pay May's car payment and put the remainder into my savings account
I forgot I got a gig next Tuesday answering the phone for $10 an hour for eight hours. This is the place in which I may intern. I went before to do some volunteer work and the HR woman really liked me but the woman she set me up with was so rude I never went back and she sense that. So when I contacted her for an internship she was really excited and then she ask me what hours I was looking for I told her I was wasn't working so any time before 5 since classes start in the summer at 4:45 anyhow she offered me this temporary gig. hmmm you never know I may get a job out of this and this place is a government agency


March 14th, 2009 at 02:53 pm

I know that it is my faith that keeps me going, yes I was/am down about not having a job but things could be much worst. Today God Blessed me with a $50 gift from my dad, last week it was $20 from my aunt and again today my uncle paid me the money he owed me. The entire $525, so I put this money in my EF in order to pay my car insurance for the next three months. Yes I am worried but at least I can pay my car note, car insurance and the small bills around the house
Thank goodness, God is on my side when all else fails


January 30th, 2009 at 11:39 am

In a time when people are losing their jobs I just got a .78 raise. Which is about $50 a pay period after taxes. I am so happy because I just paid my bills and thought hmmm I can't put a thing into my EF. Anyhow I added $49.38 to the EF
Yeah!!!!!!!! Things are really looking up this year


January 29th, 2009 at 09:37 pm

This is the amount I had left in my checking account before payday tomorrow; added this to my EF. I am impressed with my self because I managed to sock away $210 (misc savings, EF,home account and IRA) and not touch any of my savings accounts to get by Big Grin
End of the month total:
Total Income $1,776.42

Expense Categories
Automobile $199.17 (not including car payment of $381)
Bank Charges $64.67(interest on cc)
Bills $108.54(storage and internet)
Charitable Donations $20.00
Dining Out $41.67
Education $857.24
Fees $20.60 (charge for paying tuition online)
Gifts $17.25
Groceries $150.27
Health care $15.00
Hobbies/Leisure $30.75
Miscellaneous $40.95
Personal Care $36.63
Services/Memberships $47.91
Taxes $321.84
Utilities $115.92
Total Expense $2,088.41

Grand Total -$311.99

I am really happy because there are no transactions for clothes plus my dining out and miscellaneous categories are way down compared to the last few months. It's strange even though I saved money I still have an overall negative number hmmmm, I'll have to review this
So all in all this was a really great month. Tomorrow's payday unfortunately I can not add anything to my EF but at least all my bills coming due will be paid

Broke again

January 16th, 2009 at 05:50 pm

Today was payday and I'm broke again

I paid the following:
$130 EF
$10 Misc/gift fund
$10 Personal checking
$10 house fund
$25 IRA
Total Saved $185

Expense Categories
$183.37 Federal Income Tax
$98.74 Social Security Tax
$64.68 Cable/Satellite
$60.07 Online/Internet Service
$51.24 Water & Sewage
$23.09 Medicare Tax
$20.00 Charitable Donations
$1.00 Hobbies/Leisure : Lottery
$1.00 Miscellaneous
$47.91 Gym fees
$471.22 CC 2
Expense Total $1022.32
On a different not my sister called to say she has the $300 she owes me so I am picking it up in the morning in order to pay off cc 2


December 24th, 2008 at 07:10 pm

Darn it I had over drawn on my checking 1 account. I thought I paid the cable bill on a different account so $19.63 was transferred from my EF to cover today's transaction Frown But what is bothering me is that there is no fee being shown and I am sure they'll be charging me and I have no clue what the charge would be to transfer funds
Further more I got off work today at 3 and the gym closed at 4 so I was unable to make it today which annoyed me and they'll be closed tomorrow, so 2 days missed
What a way to end the week

No spend day

August 24th, 2008 at 08:02 am

I have had two no spends days (Saturday and Sunday) I have stayed in all weekend not even moving my car Smile
Today I did laundry so $3 will be added to my EF (goal is now to get to $2000) because I line dried 3 loads. In addition, my co-worker on Friday gave me a gift card for Sweet Tomatoes ($10) so I added this to my EF as well.
New total $1554.05
On a different note, I finally got my bridge in on Thursday which cost me another $450. I wasn't expecting this I thought when I paid the dentist $800 the last time that, that was it but I guess not. So $450 was deducted from my EF
So far this year I have spent $3270 on dental work and I have not even started the implant as of yet

Payday and how the money is spent

August 19th, 2008 at 01:41 pm

Yesterday was pay day so I paid the following:
$1512 on cc (this money came out of my challenge Frown much of it dental work)
$192.04 Electric
$20 Tithes
$100 on cc
$51.03 Water
$53.53 Directv
$25 IRA
$170 EF ($40 of this was from not paying a phone bill for the land line I no longer have)
$10 X-mas fund
$20 personal spending account
$40 Challenge
$20 Tuition fund
$20 Car fund
Not bad, I actually saved $260 out of my check and still have about $400 left after pain bills but it goes quickly. Oh I forgot I added the extra $10 saved on the satellite bill for referring my dad so I actually added $180 to EF saving a total of $270
Anyhow Tropical storm Fay just left Big Grin I am so glad that there was not much damage in our area. My sister lost power for a short while but it came back on. The winds were really picking up and it could have been worst but thank goodness it wasnít.

lost and found

July 26th, 2008 at 10:02 pm

Well I have not been blogging much and for that reason have been spending a little more. Anyhow, I returned my Mac so $964 was credited back to my CC. My boss gave me $20 so I added that to my EF.
On a different note I received an email from ING about lost money sitting there waiting to be claimed. Now I check this a few years ago and found money for my BIL and a friendís sister so I decided to check again for myself and guess what there was $58 available to me from an saving account that I had with Albertsonís when I worked there
Then I started checking out my family members, my uncleís wife $651, my SIL, my brother and cousin all had unclaimed funds. Can you believe it
Here is the link for any one who wants to checkÖgood luck

Warning long post

July 20th, 2008 at 12:24 pm

First Friday was payday and I was able to sock away the following:
$25 IRA
$400 to EF ($20 was saved on the DirecTV bill for referring a friend)
$50 towards the challenge
On a different note, my mom is not speaking to me because I told my sister what her in-laws said. My mom who asked me not to say anything was very upset but I was compelled to let my sister know, besides anything I tell her she repeats. Anyhow she (my sister) moved into her apartment which I told her to get a two bedroom and she ended up with a 3 so that her loser son can move in, well her and my BIL are now separated and her son is no longer living with her. He cussed her so badly and threaten to kill her (I must say that this is the second time he has done this) He is such a loser; he won't work and is on probation for theft. You would think that she would stop getting him out of trouble but that is definitely not an option. Now she is stuck with this three bedroom apartment that she can not afford and still owes me $40 that I can kiss good bye. I said to her since you haven't been in the place for a week, speak with the leasing office and try to get a smaller place; her response "no I like it here" I know she is holding on just in case my nephew needs a place to stay. I am sorry I love him but he would not be living with me not after threatening me twice. There are too many kids who actually follow through with their threats. Now her second son the one who was diagnosed with schizophrenia is practically living with this girl and her mother who wants him to marry this girl so that she can get her papers (green card or visa, I don't know) he has stopped taking his meds and I have tried as well as my sister to tell him to come from over there, and go home but a hard head makes a soft you know what. He too is no longer working thanks to his loser brother (he actually got him a job where he was working) who cussed out the manager . Unbelievable

Back at it

July 6th, 2008 at 08:11 pm

I haven't been keeping up with my savings since I did not have a computer but I was able to add $21 to my EF. Friday a patient gave everyone a $10 tip and my dad gave me $11. I haven't been adding to my challenge at all. Hopefully I can sell this computer and get some of my money back in order to pay down my cc. On a different note I am really enjoying my Ipod, I can't believe I haven't saved up for one before it is wonderful

No computer again

June 23rd, 2008 at 02:36 pm

I just purchased this new laptop and now I can not log onto the internet Frown I have to check all my emails at work which sucks. Took it into to Bestbuy whose Geeksqaud has no clue. I told the guy it was the drivers and I was afraid to delete anything but he wanted to do it his own way cost me $53 and they still have it, he told me to give him 30 minutes (yeah right). Thank goodness it is still under the manufacture's 30 day warranty. Can you believe he wanted me to take it home, what and it is still covered and when I still can't connect pay you $100, I don't think so
I did not eat out today so I added $4 to my EF and another $35 because I washed and colored my own hair. Not sure what the balance is but will double check later
On a different note I added $3 to my challenge from Pinecone
New total $4404.42
Oops I forgot I got a "B" in that marketing class, thank goodness. It was going to be the death of me

Nice day

June 15th, 2008 at 04:43 pm

Today was not a bad day. I went by my brotherís shop, I have no idea what he is planning but I think he should look for a job. He has all this stuff (junk) that he wants to sell and make money. Grant it some of the stuff he may sell but a lot of it is junk and I have tried telling him that there must be a demand for his stuff to sell. He has really old books, not in good condition, old vinyl albums in pretty good condition but who are buying these items. I know that there are collectors but when I checked EBay to see what some of them was selling for they were going for $2.99. I mean is it worth it after shipping and paying EBay
Anyhow, I did not get a chance to see my dad today but I was able to speak with him, he does not celebrate Fatherís Day (heís Jehovah Witness) but I was finally able to use my $30 beach sticker, I bought with the intentions of hitting the beach every weekend for the summer but now that I am no longer on the part time job I guess I will. The sun was so hot and the water was so cold (to me anyway) but it was still beautiful. I use to live a little north of here and always went to that beach because of the shops but I hit my local beach today and it was beautiful one of the best I have seen. So guess where I am going next week.
Then I came home took and shower and then a nap. I actually saved $45 today because I washed and colored my own hair so I added that to the EF and not one coin spent today


June 12th, 2008 at 07:08 pm

$35 went to my EF because I did not go to the hair salon. I have been trying the every other week thing and it seems to be working. Maybe I will skip next week also


June 12th, 2008 at 05:53 pm

$163 for the electric bill this month
Frown I can't believe it. Seems like every thing is on the rise. But I must say my Direct TV bill was $10 less so I am adding those $10 to my EF

Dining out

June 9th, 2008 at 07:06 pm

I did not eat out today so I paid 2 on the cc, my how quickly it adds up Frown I know I have the EF but I hate to see it dwindle down but I went ahead and tranferred the $1000 to pay on the cc; at least it would cover part of the $1250 dental work

Not one for change

May 27th, 2008 at 09:45 am

I am so afraid of change and I think that is what holds me back. I have had the loan papers now to refiance my car for a possible better rate and have yet to fill them out and I finally went in to the office today and did it. The loan officer stated that once they are able to verify my employment I wll then be contacted regarding the loan status. My rate is very high and I have since cleaned up my credit paid off a ton of things and always paid my current loan on time and well over the amount due. So keep your fingers crossed.
I also cancelled my land line which I have been holding off on for a while, why I still don't know so that extra $40 saved will be going to my challenge every month. Next I am going to drop off the paper work for the grant. I have filled them out but have been so afraid to drop them off. Why? Change...I really need to over come that fear.
Today was a no spend day thus far Smile but the day has not ended as of yet so I will wait to add my $2 but I will add $2 to the challenge and $2 to the EF for preparing my breakfast

Happy Memorial Day

May 26th, 2008 at 08:00 am

Just wanted to wish every one a happy and safe Memorial Day. I am praying for those of you whose spouses/love ones are serving all over the world. It is definately appreciated Smilie Flagge13
On a different note I am going to see Mr. H today since I did not work this weekend, he is the sweetest old guy I know, it's like having a grandfather.
I washed and colored my own hair today so on Friday when payday rolls around I will add the money saved($50) to my challenge. However, I am adding $2 to the EF and $2 to the challenge because I made breakfast this morning and I usually spend about $3.71 buying breakfast
New total for the challenge $5826.38 and EF $1668.35

The saga continues

May 16th, 2008 at 06:34 am

I woke up yesterday with the worst tooth ache, I was dying over here. Anyhow I had cancelled my appointment because I was feeling better earlier in the day, luckily I was able to reach the dentist who called me in an antibiotic. When I asked if he would and gave him the number to Walgreens he says to me why don't you go to Publix it's free. Because I did not have the number he looked it up for me and called it in, when I went to pick it up it was free, saving me a $15 co-pay Smile How nice. I woke up this morning and I am a little sore, but I am feeling better. I did not go into work today because if this flares up again I want to be able to go straight to the dentist, it's hard to leave once you are at work. Seems as though the antibiotic is working, wish I had known before I spent $185 the other day
On a different note, today was payday so I checked my balance and found a nice little bonus which I immediately added to my EF Smile
I paid bills today, paid my cc in which I charged my tuition but I still owe about $100 on it. I use it to accumulate points and since I have been under the weather I have not entered all my transactions, must do that today in order to stay cc debt free. I paid the cable and phone bill added $50 to my challenge and paid the extra $50 that I am no longer adding to my IRA but to the auto loan principal in an effort to have that car atleast half way paid off by the end of the year.

Great day again

March 31st, 2008 at 06:10 pm

Two days in a row I have had a great day. Today was a no spend day other than gas of $30 which I do not count. I got up early enough to make breakfast, took my lunch and snacks for work; in addition; to having left overs for dinner Smile
Then I headed to the library because I was having some problem with my accounting, I was able to complete chapter 10's homework Smile other than the hand out in which I will tackle tomorrow but it felt good to be able to understand what I was doing wrong. I also had $7 left over from last pay period in checking account 1 so I added that to the EF and looks like I will have $85 left from last pay period in checking account number 2 on Thursday so that will be added to my car/tuition fund

$20 challenge

July 17th, 2007 at 08:24 pm

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

Thank God for an EF

March 22nd, 2007 at 11:31 am

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


March 15th, 2007 at 04:51 pm

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

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

$20 Tithes

Amazon payment

March 14th, 2007 at 05:03 pm

I received my Amazon payment today, I already deposited this money to my challenge home account in the amount of the actual sell but today the deposit was for $8.10 so I deposited an extra $4 to the challenge... better that than spending it. So I am adding this amount to my EF, trying to get tat total back up. Today I also did not spend any money so I added a $1 to the challenge and then rounded up my change and added $.33.
New challenge total :$1713.89


March 1st, 2007 at 06:25 pm

I did some excercising on Wednesday and took the stairs today so that was $2 added to the challenge, next we got ur paystubs (pay day is not until next Monday0 so I set up my automatic deposits to the challenge, EF, misc account, IRA, auto account and tuition accounts

New totals:
challenge/home $1408.17
EF $1841.35
tuition $130.33
Car account $111.71
IRA $1070.45
Misc/vacation $21.47

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