I have managed to spend over $200 on clothes 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

OK I go and get my free meal from KFC which only allow one coupon per person, so I decide I am having this for dinner. My mom comes home and I give her a coupon and tell her she should go. She then ask me where my meal is I say in the fridge her response "well you better give it to me because I'm hungry" my response "no that is for my dinner tonight eat the left over ham" Now what am I suppose to do? give her my dinner and go back to KFC because she doesn't feel like going...this is a peeve of mine with her, I don't mind sharing but do I have to share every Christ thing I am eating? Even if it is a small piece of cake and I do mean small, she wants it. It drives me crazy because she doesn't even have to be hungry she only wants it because it's there. It has gotten to the point that if I buy a kids meal and we all know how small of a portion that is (I don't eat much) that I go to the park to eat so that I can eat in peace. I hate this, I really do

Ok this post is not about finances but about people in my life.
First my sister, even though she has not asked to borrow money she may as well had. For months my mom and I have been taking her to and from the train station and she has yet to offer any gas money. It's really not even the point about the gas it's the point that she doesn't even offer or maybe ask her sons once a week to pick her up. I'm simply tired and so is my mom, it not like she lives close. I know if she gave me $5 she would be short on her rent or lights or something, the point is just offer let me say no and ask your kids some times
Next a friend of mine, boy it is true when you see some one and think they are doing great you simply really don't know. Ok C is behind on her mortgage which is going into foreclosure, her lights were turned off and her car which was paid off she took out a loan and is now behind. Her husband was living with her and now he is gone (she was behind prior to him leaving). After being informed that her lights were off I felt really bad and sent her $20 I figured she could at least buy dinner or something I know it's not much. Anyhow she called her dad up who asked her to get all her finances in order (totals) basically he wired her $15k to pay her bills. What does she do? Buy a new laptop, fix her desk top computer, a new Iphone, buy mother day's card and gift cards her her mom, aunts and cousin---gift card? come on. Now I am pissed because I sent you $20 that I myself don't have and you basically waste the money your dad gave you. I said to her pay off your truck which was about $7k and I know her dad included this amount in the money he sent her, she tells me she can't live in a truck. Umph I say call the bank and try and get this resolve the longer you wait the more fees they are tacking on(regarding her mortgage). She says she knows. I am thinking to myself you have got to be kidding me. The longer you hold onto this money the more you're going to nickle and dime through it. I even said to her go down to the bank, in person and try and get this thing resolve, did she budge? Of course not. If I came into $15k I would pay my car off and the 1 cc that I owe. Plus she is not working. Then on Sunday she went to some festival she has dined out every day for the last few weeks and then she gets upset because her dad is calling questioning what she has done with her money...unbelievable

Ok I receieved a check (partial) from the stipend that I am doing with a local organization in the amount of $500 It was a nice surprise because I thought I would not receive this money until the end of the project. The rest is due to come at the end of the stipend.
Of course my mom checked the mail and the first thing she said was here is the check you've been watining on and me not thinkng opened the enevlope and said oh this is from P then her response was how much did you get. I ABOSLUTLEY HATE IT WHEN SHE ASK ME ABOUT MY ^&((&^$ 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 Sorry to vent but I was so upset

I printed out some business cards for my brother who sent me $20 and my mom gave me $30 about three weeks ago. I have been holding on to these $30 until the water bill came which was less this month ($48.01) so with the money that my mom gave me as well as the money from my brother I wrote the check today for the water bill this was really nice since I am watching every dime.
On a different note I did a temp gig last week and was to receive a check of $90 this week and I still have not received it I am annoyed, even though I really don't need it at this very moment but I would like to have it earning the small amount in interest. In about two weeks I should be receiving a check from the internship that I am doing with an organization in the amount of $1000 I plan on paying down my BoA cc with those funds

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

I hate when my mother ask me questions about my finances. I said to her well I finally did my taxes and her response how much are you getting? I wanted to scream none of your business, it drives me crazy that she wants to know. Few weeks ago she ask me what my salary was. I think things like that are private mother or not. I'm sure she's expecting something now. This is not a bonus for me this is money to pay future bills if I do not land a job
Yes I blog about my finances because it helps me mentally and I don't really know anyone here personally so I can say what's on my mind and not feel uncomfortable about my finances

Well went with my dad to his rental property and I'm tired. After our pow wow I really don't want to be involved with him and his property but neither he nor my brother know what their doing
I ended up spending money today about $5 at Burger King and another $5 at the produce stand which was well worth it and $102 for the electric bill which is not due until April but since I'm not working I figured I may as well pay it while I have the money
I got a call from hospital number 2 for a second interview tomorrow which is a good sign, not the location or time slot I want but hey it's a job and since I am dying to get in the hospital after graduation, this will be great.
Oh I got $3 from Pinecone today

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

My beautician called because she wanted to go out, I stated to her I was let go Friday and really didn't have the money. She goes on to tell me that it's only $10, I say yeah but I can't waist $10 nor do I like going anyplace without cash. She's going on and on so then I say my hair isn't done nor do I have anything to wear. She didn't even offer to do my hair, just put a couple of curls in and yet you want me to spend money I don't have.Her response, you have something to wear. The point is, as an old client and friend she wouldn't even offer to pay my way since it's only $10 or even do something with my hair unless she was getting paid and why is she spending money anyway when I constantly get calls from a bill collector for her

What part of I am not bleeping working you don't bleep understand? The first person I called when I was let go was my sister. I explained to her how I trying to save every nickel (including gas) that I have. First she called me up to ask me to pick her up so I am hesitant but say OK. Then she calls me back to tell me don't worry about picking her up but if I can let her borrow some money to pay her light bill. WHAT!!!!!!!!!!!! So of course I tell her no and she continues to go on and on about how she's going to pay me later that night. Finally I said no again and hung up. Now today she calls me up me to pick her up to drop off my nephew's car and then take her home which is way cross town. Here it is I just said to her I am not working and she has all these things she wants me to do. I just want to yell leave me the bleep alone! She is so inconsiderate it amazes me
On a different note I placed a call into another friend who works at the hospital to keep her eye open for me, I'm hoping with every one I informed I would have some luck. Plus I talked to another friend today who has two friends that work at a hospital, maybe they can give me an inside scoop

Well I got most of my to do list done:
Gas---done
Dentist---done
MD's---done
Grocery shopping----
Study-----
Gym----
Traffic ticket---done
Buy lotto for work----

Only reason why I didn't go to the library to study, the gym and the grocery store is because on Thursdays I give my sister a ride home and on my way back the gym , library and the grocery store are on the same route so I figured I'll save gas and make the trip when I picked her up. Well of course at 5:30 the time that I should pick her up, she called to say there was no need for me to. I was so ticked off because my dentist and doctor are in the same area and my plans were to go after I left the doctor's but because I was cutting it close (as usual the doctor had me waiting) I decided to go home (across town) so that I can pick her up on time and missed my opportunity to do the things that I needed to do

And spending, wow I spent a lot. I anticipated that my crown for the implant would be about $400 close to the last one...nope try $1300. So I used the cc to pay half and won't be going back for the crown until I have the money for the other half. It's my own fault because I should have asked and not make any assumptions.
$25 for gas
$35 MD this went up $5
$650 Dentist

When it comes to money my sister is the worst. Once again she is in trouble with her rent but this time my uncle is the one bailing her out. I notice she called me a few times today but I didn't answer but while I was at the library she called again. It never dawned on me she wanted money; however, once I spoke with her she had already told me that my uncle was lending her the money. Even if I had spoke to her first the answer would have been no
She is in an apartment that she can not afford, she doesn't have a car, I just don't know.
I wish I could sit her down and have a long talk and sort through what ever she's going through financially.

I went to the funeral or what we call a going home service of an old friend today who I have not talked to in years. It is so strange because about a week before she died I said to my self that I have to send her an e-mail and never did. I say that if you have friends or family members that you haven't spoke to in a while pick up the phone go by their homes but stay in touch. Yes I know we get married have children but make a point to call and say hi how you doing? Tomorrow is never promised

Well I spent a lot today. I decided to spend only $120 from now until payday on the 2nd so about $60 a week, wish me luck

Added the following:
$25 IRA
$187 EF
$10 Gift account
$20 personal saving account
Total saved $242

Expense
Internet $60.07
Gifts(flowers for friend who passed away)$75.00
Misc.(Storage fee,delivery fee for flowers and mom's cell phone) $98.42
Taxes $233.01
Utilities(Cable/Water) $112.36
Extra $10 on CC
Total $588.86

I almost forgot my sister asked me to borrow $20 because she didn't have money for the train and I said no. I felt bad but she never pays me back when she say she will, I'm just happy I said no

All I can say is wow, a family friend was killed today. We just lost a friend on Sunday and now today a woman that I have known since I was a kid passed away after being in a terrible car accident.
And I am so annoyed I got a ticket today for $91 because my tint was too dark

$18.88 was what I spent today on a large pizza and tip. I took lunch today but the rice I brought was terrible and by 4:30 I was starving. So I ended up buying a large pizza for the office. There is one girl who doesn't eat meat and since I'm paying I bought what I like which was pepperoni. Well she has this bad habit of picking things off and leaving it for some one else eat or simply picking over things. But I told her today; do not do that, take a slice and what ever you don't want trash. I know, we are wasting food but I do not want to eat on what she has touched, it is a peeve of mind. Needless to say she was ticked off and didn't have any, fine with me because now I have some left for lunch tomorrow.
On a different note I got about 45 minutes of studying today, tomorrow I plan on being at the library for a few hours.
I also found out today that my friend who passed away yesterday was going through a possible divorce and having a lot of trouble. They are contributing her death to stress, so sad. I pray for her family

It is so strange because I was on facebook and saw an old friend and thought hmmm, I should send her an email . Well I never did and she died today. It's so sad because she has two small children and I felt bad because I never made an attempt to get in contact with her. I saw her a few months back briefly, all I can say is wow. Death has a a way of making us all want to do right

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

I have been eating healthier but haven't hit the gym in about a week and to be honest I really don't feel like going. But I'm going to make an effort tonight to go, I must. At almost $50 a month I need to go. Prior to classes starting I would go twice a day and now I hardly even go once
Today's going to be a long day because I am going to rearrange my storage. My BIL has his things there and has not paid 1 cent towards keeping it there but I am telling him this week to make some arrangements on getting his stuff out of there. I really never pushed the issue because prior to him and my sister losing their house I kept my stuff in their garage but now I have to pay and it has been about 6 months plus when I want to add things to the storage I can't because his things take up half the space....argghhhhh

I have never seen snow my friend sent this to me today...boy I wish I was there

I figured I would have $81 to last me until Friday...wrong. I paid a family friend who helped me get my washer/dryer $20 plus I gave my nephew $10 for helping. I figured he(family friend) lives about 20 minutes away and neither one are working and times are hard no need in me taking advantage even though I know they would have done it for free. But I can mark my washer and dryer off the list of things to buy
Today I spent $3.50 at Wendy's and added $.50 to my challenge/cc

That is how much my brother owes on my mom's CC. My God, I wouldn't be able to sleep
When she(mom) spoke to his wife, she(SIL) claims she told my brother to stop using it...hello!!!!!!!! he's not the only one who ran it up. They have earned a whopping $48,000+ points meaning that through out the last few years they have charged almost $50,000 on a cc that is not theirs
About 2 years ago they paid about $10k on the cc bringing the balance down to a little more than $3k and now once again charging it back up. My mom had to call the CC company to get the interest down because after a few late payments it went up

Today was my birthday and I had a ton of emails wishing me a happy birthday...sites like Mypoints, Macys, Coke rewards and even saving advice. I thought it was neat because of all the emails I got this is the only site that didn't want me to buy anything
My mom and I went to dinner, my treat and TJ Maxx home good store and I did not buy a thing. Mom on the other hand picked up some things I used the cc but she paid me as soon as we got home, which I knew she would
I also finished up one of my projects for school so that was a plus and watched a great Lifetime movie
I paid $1.06 on my cc/challenge and picked up my check from my sister, whew glad that is over
Today's spending:
Expense Categories
Dining Out $14.56
Misc(mom purchase) $13.97
Gifts(dinner for mom)$14.56
Groceries $7.84
Sales Tax $1.01
Total Expense $51.94
All expenses were put on the cc for point but as soon as I got home I paid it

Well my sister did not call today nor did I call her. I am going to see when she's going to call for me to pick up my money. I know one thing this is definitely the straw that has broke the camel's back.

On a different note I had to spend $21 today at the grocery store
I did have breakfast and lunch at home

Well I had already made up my mine that I was not going to call my sister and she called today to tell me she was waiting on funds from her 401k before she could pay me back. First of all I told her this money was for my tuition, even though it isn't and if she wasn't going to be able to pay me back then don't borrow it. What bothers me the most, is what if I really needed the money for my tuition, it shows just how selfish she is. She knew it was a possibility ( a strong possibility)that she wouldn't be able to pay me back and yet she took the money. In a way I'm glad because this is the final straw, I'm going to tell her that the school dropped me and have her to think I am not taking a class...she won't ask me again and if she did it would be easier to say no
On a different today was a no spend day plus I received a survey check for $4

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

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

I totally forgot that my sister asked to borrow $300 for her rent until Friday... she gets on my nerves with that $%%@# gosh. Last month she called and my uncle ended up lending her the money and now she's calling again. Why did she move into a place that she could not afford? Her and my BIL separated and she had been saying for a while that she was going to file for a divorce so why not look for a place in case you have to live on your own in which you can afford? And my BIL he is so pathetic how she ended up with him only God knows. Now he has his things in my storage you think that he would call me and say here is a few dollars? Nope, but the only reason why I have not called him is because before they moved they allowed me to store my things in storage but I have a trick for him. I am going to start buying things for my new house so that when I finally move I won't have to worry about anything and the first thing I am buying is a bed so he can get his crap out

Anyhow went to the gym so a buck was added to my cc challenge

washed my own hair but I have no money to add to the challenge for doing so but when payday rolls around I am adding $35 to the house fund

Well I have a lot to blog about (sorry for the long post)
First, I just realized that I am going to have to cancel my appointment for an oil change as well as tire rotation until next pay period and besides I still have about 200 miles to go before I actually need one. I also have to cancel my dentist appointment for the crown until mid February. I totally forgot about my storage bill of $48.47 this amount is automatically charged to my BoA cc on the first so I went head and paid it in addition to adding $2.00 for going to the the gym

Now on to family and friends, My mom and I go to TJ Maxx home store and on the way she says oh I left my CC but I am not buying anything (my mom is a saver and will save every dime so I wasn't worried) But we get to the home store and she finds some things and asked if I can charge Arrgggggghhhhhhhhhhhhhh!!!!! I am so annoyed because I do not want to charge anything, I MEAN NOTHING. I know my mom will give me the money that's not even the point because she's good about paying bills and saving ( I wish I was more like her when it comes to money) but I simply do not want to charge thing any more bottom line; needless to say I charged $48 worth of stuff


Now my sister (oh boy) About 2 weeks my sister called to borrow $300 I lied and told her I had the money in a different account and if I transfer the funds it will take 2-3days before I can get it. So she says to me go ahead and transfer the money and I will call my uncle. Well she called my uncle who loaned her the money. She paid him back. Well today she calls and she says to me, did you transfer the money? Well she caught me off guard and I said to her no because you borrowed the money from N. She then says well transfer it because I need to pay my rent and she'll give it back to me next Friday. Now this is my savings for my new house and I do not want to touch it but I told her it was the money for my tuition. If was I thinking I would have told her I already used it to pay my tuition (lie of course) Now when she borrowed the money two weeks ago, it was to pay her rent (of course she was late) now two weeks later she need to borrow money again. It is obvious she can not afford this place. I told her when she was looking for a place to move into a two bedroom but because her two boys was going to live with her and my BIL. But according to her they needed their own space and she wanted them to be comfortable (These are grown $%$% men). First of all she just lost her house, which was a 3 bedroom; how come the kids couldn't share a room and if they wanted their own space then they should buy or rent their own place. Then her and my BIL separated about a week after they moved into this 3 bedroom apartment, my middle nephew who is so disrespectful cussed her really bad and moved out (mind you he’s in his twenties and do not work so it wouldn’t make a difference if he was there or not) and now her youngest son has decided to live basically with his girl friend and go to her place (my sister’s) to eat and shower. Come on !!!!!!!!
Either way I said Ok but she won’t get it until close to her payday to ensure I get my money. I will tell her the funds were transferred on Tuesday and if she's late with her rent then that is her problem

On to a friend of the family. My brother use to date this woman who had custody of her grandson after they broke up she stopped her grandson from seeing my brother. Ok we have not seen him in years I would say maybe 10 (he’s 18 now) well all of sudden he started coming around and I had this bad vibe about him, couldn’t put my finger on it. So my mom and uncle would give him a few dollars here there. First he tells my mom he has a job, only to tell me that he never told her that. Then he comes here with a necklace that is worth $600 but he is selling it for $50 hmmmmmmm. Anyhow his uncle is still friends with my brother and told my brother to let us know to watch him because he has been breaking into homes (I knew it was something) Well for about 3 weeks he has not been here and today he shows up. Asking my mom if he and his girl friend can move in because his grandmother put them out accusing them of using her credit card and charging $1600. WHAT! He say’s that there were times when she (grandmother) would send them (he and girlfriend) to the store and they never remembered her pin number and would have to call her for it, yeah right. And the kicker is who ever used the cc withdrew $400 one day and went to the mall the next. Yeah and we’re suppose to let you move in?

Now after I had a chance to calm down from today’s events my phone rings and it is my nephew (my sister's son) can he borrow $10…WTF!!!!!! I am really pissed because my sister had previously informed me that on Saturday he came home to let her use the car (hers was repoed) she goes on to tell me that on Saturday he comes in and ask to borrow $10 for lunch and he was paid on Friday. Now why is it Saturday and you do not have any damn money? You’re not paying rent, water, electric or anything else. He’s got this girl friend with a baby who I think is taking advantage of him. First of all he has a learning disability in addition to schizophrenia. The girl friend who is not from the U.S. is dying to get married. First it was her mother with only a few months to live and they needed to get married, next she was moving to Canada and needed to get married then they were going back to Haiti and needed to get married…unbelievable

I cant wait to get to the gym to release some stress