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One Big Mess

August 11th, 2018 at 01:15 am

I have to keep reminding myself that this mess I’m in is only temporary.

First in financial news. My goal is to have CC6 paid off by the end of October. My 90 days on the new job is up this month and we are to revisit my salary. I’ll be asking for a raise. Since I’ve been there I have done the following:
* Save the company close to 50k
* Updated and rewrote outdated policies, about 12
* Update a number of HR forms
* Started the online implementation of our HRIS
* Put processes in place to streamline our onboarding process,and
* Revamped the new hire orientation
Not to mention all the other miscellaneous stuff.

Regarding spending, I’ve been off the grid. Eating out a lot more and spending more. Yesterday was the first check of the month, so I plan on getting back on track.

We finally got a date for next month regarding the sale of the house, I pray all goes well.

Now relationship news. As you all know, I’m sick of my SO. Every day there’s some BS with him. Well this week the child support office hit his account and his daughter’s because he was late paying.

Long story short last month, or month before, I can’t remember, he mailed off his money order payment. Well they didn’t get it. He was told the following month to wait and see if the money order clears, by the child support office. I said pay it,because it’s late and it makes no sense what you were told. Well he didn’t listen to me, and they took all his money and the money he in his daughter’s (16 yo) bank account.

Now he’s running around here mad because they touch his “baby’s” account.
I’m more like WTF!
1. All your portion of the bills are late, you take your time paying them but when it comes to your daughter’s money you make sure you’re doing what needs to be done to correct. Meanwhile my &);::/- is late!
2. If you had been saving, when the money order wasn’t received you could have paid the damn bill
3. Take the business over from your mom, she’s mismanaging and aren’t you sick and tired of not wanting to hurt her feelings 🙄 dude she’s not paying you. What’s the purpose of working and not getting paid?

Only good thing about this is, that I told him there is no way in hell I can or would marry him. He’d have us in the poor house.
Not to mention, he can’t even buy a diamond for the ring that’s now starting to change colors, lol just pathetic. All I can do is laugh to keep from crying, thinking about how much time, and energy I’ve wasted with this guy. Two years later and I still have a joke of a ring smh, unbelievable.

Don’t get me wrong, it’s not about the ring, I’m just making a point. I’d be happy with a $20 gold band, vs a $1200 band with a fake diamond that is changing colors, if he had his crap together.

Only thing keeps me trucking is I know this is temporary, debt is slowly declining, and this house will be sold then I can pay off my debt and get my own place.

Always Something

July 13th, 2018 at 03:42 am

Always something. I was really hoping to knock 🥊 CC5 out today.

But, I had to budget for contact lens ($150). I wear my glasses 👓 90% of the time but with those special occasions I like to have my contacts. Many reasons why I’ve started a medical fund. I also have to pick up my meds, that’s $27.99. So about a $180 on healthcare that could have went to debt. I know I shouldn’t complain because any other time I would have to use the CC 💳.

I was able to pay at least half the balance on CC5 bringing the total to $225, yay. I’m still on track to have four credit cards 💳 paid off this year.

One thing I’m feeling good about, well a couple:
* Today was pay day and all bills for the month are paid, in advance mind you
* Extra was paid on the credit card 💳
* I cash flowed health expenses
* I was able to also save
* And I love my new job

Though I’ve been on the job just over a month, I’ve been able to make some traction, and my boss is amazing.

In other news, I see things getting worst with the SO and his daughter being pregnant. He’s making things happen and of course it frustrates me because as usual things are late here at the house. What frustrates me is, he’ll make sure the money is available for her but when it comes to the house it’s a different story. I just have to keep reminding myself that one, I’m paying down debt, two once the house sells I can move on, three this is just a minor setback.

Live and learn

Murphy is Bound to Show Up

June 30th, 2018 at 03:36 am

The reason why I save something every time I get paid or receive extra cash is the following.

Last night I came home, and the SO other was very upset. So I asked what’s wrong with you? He proceeds to tell me that “his mom’s a/c unit is out, the cost to repair he’s not happy with, and that everything is crashing down on him, and he wanted to cry.”

Well I don’t say a word because all I’m thinking is, you better have your share of the rent, electric 💡 and water 💦 bill.

His daughter is pregnant, the ex cancelled her insurance so he’s footing the bill, for that. 🙄

The point I have been trying to make to him is that, you need to save a dollar as my mother would say. Murphy is going to visit, and some times he’ll set up shop and won’t leave for quite sometime.

Now there are a number of things that he should be doing that he’s not, like taking this business from his mother, asking the mother why she has no money to fix her a/c, saving a few dollars, having his lazy pregnant daughter get a job. But hey, who am I to say. I’m just socking away my few dollars, paying down my debt and looking at the big picture, and that’s a nice move out date. It’s a slow process but it’s coming along. As soon as I can knock a few of the CCs out,I’m gone, or he is. One of the two

Drama and Goals All in One

June 23rd, 2018 at 05:11 pm

So my SO comes home, he’s worried he can’t reach his daughter. He calls no answer. Calls his ex wife and she tells him, the daughter blocked him.

Well long story short, I told him years ago that he spoils these brats he has from his ex and they’re going to break his heart. I hate to say it but I was right.

He calls the other daughter who calls the one who blocked him on a 3-way call and she tells him she blocked him because he didn’t answer her call. Now mind you, he sent her a text on the day that she supposedly call to say he wanted to meet with her and the other kids. Why would he not answer?

He’s terrible about many things but when it comes to the kids from the ex wife he goes above and beyond, I really felt bad for him. She’s an ungrateful you know what. This guy, had paid his bills late, pulled strings for her to graduate, and more and you have the nerve to block him because he supposedly didn’t answer. Though she doesn’t and hasn’t asked me for anything, I did tell him she can’t get anything from me. And I mean that. I’m not upholding ungrateful behavior. She wants to be an adult, he needs to treat her like one.

I can’t tell him what he should and should not do about his kids but I know what I’m not doing. Whew can’t wait to move on.

In different news, my payment on CC5 finally posted, pay day is Friday but I won’t be able to pay it off until the first check in July. This sucks but hey, at least I know it will be gone and then on to CC6. 10 CCs, this is such a joke, never again.

I had to call Att&t again for the fourth time. They never gave me my credit for phone 📱 insurance, smh. I finally spoke with a rep who credited my account today and waited for me to log in to view the credit. The problem was that they had already charged my account today for the auto pay. Autopay saves me $5 but it’s never on the same day,so I think I’m going to stop it.

Earlier this year I was saving for a family vacation, then I realize I had too much debt to save for a vacation. At one point I took the money out and paid down a CC 💳. But I also never stop adding to the saving account.

There are three big ticket items I want. They are, a laptop, Apple 🍎 Watch and a Circut. All very expensive I know. But I figured with patience and $20 a pay check by the time Christmas roll around I can purchase these items with cash.

This little experiment has taught me to be patient and save for what I want. Though it’s been a long struggle the reward in the end will be well worth it. The old me would have put these items on a CC 💳. I know some of you may not agree but this works for me. It’s no new debt and still being able to enjoy somethings. The laptop 💻 is about $200 the series I watch is $150 and the Circut is about $200. I’ve already added a stipulation that I cannot but these items unless I meet my 2018 goal of paying off four credit cards 💳, one each quarter. I’ve pretty much met my goal already, two thus far and three in just a few more weeks. I’m sure when December rolls around I’ll be on CC8.

Drama and Goals All in One

June 23rd, 2018 at 04:59 pm

So my SO comes home, he’s worried he can’t reach his daughter. He calls no answer. Calls his ex wife and she tells him, the daughter blocked him.

Well long story short, I told him years ago that he spoils these brats he has from his ex and they’re going to break his heart. I hate to say it but I was right.

He calls the other daughter who calls the one who blocked him on a 3-way call and she tells him she blocked him because he didn’t answer her call. Now mind you, he sent her a text on the day that she supposedly call to say he wanted to meet with her and the other kids. Why would he not answer?

He’s terrible about many things but when it comes to the kids from the ex wife he goes above and beyond, I really felt bad for him. She’s an ungrateful you know what. This guy, had paid his bills late, pulled strings for her to graduate, and more and you have the nerve to block him because he supposedly didn’t answer. Though she doesn’t and hasn’t asked me for anything, I did tell him she can’t get anything from me. And I mean that. I’m not upholding ungrateful behavior. She wants to be an adult, he needs to treat her like one.

I can’t tell him what he should and should not do about his kids but I know what I’m not doing. Whew can’t wait to move on.

In different news, my payment on CC5 finally posted, pay day is Friday but I won’t be able to pay it off until the first check in July. This sucks but hey, at least I know it will be gone and then on to CC6. 10 CCs, this is such a joke, never again.

I had to call Att&t again for the fourth time. They never gave me my credit for phone 📱 insurance, smh. I finally spoke with a rep who credited my account today and waited for me to log in to view the credit. The problem was that they had already charged my account today for the auto pay. Autopay saves me $5 but it’s never on the same day,so I think I’m going to stop it.

Earlier this year I was saving for a family vacation, then I realize I had too much debt to save for a vacation. At one point I took the money out and paid down a CC 💳. But I also never stop adding to the saving account.

There are three big ticket items I want. They are, a laptop, Apple 🍎 Watch and a Circut. All very expensive I know. But I figured with patience and $20 a pay check by the time Christmas roll around I can purchase these items with cash.

This little experiment has taught me to be patient and save for what I want. Though it’s been a long struggle the reward in the end will be well worth it. The old me would have put these items on a CC 💳. I know some of you may not agree but this works for me. It’s no new debt and still being able to enjoy somethings. The laptop 💻 is about $200 the series I watch is $150 and the Circut is about $200. I’ve already added a stipulation that I cannot but these items unless I meet my 2018 goal of paying off four credit cards 💳, one each quarter. I’ve pretty much met my goal already, two thus far and three in just a few more weeks. I’m sure when December rolls around I’ll be on CC8.

CC5 Down to $500

June 18th, 2018 at 04:08 am

Yay final check hit from my previous employer. Of course I paid my tithes $78.06, myself $100 (EF), knocked CC5 💳 down to $500 and kept $100 in checking as a buffer.

I know some of you would say why not pay all to debt? Well because God has been way too good to me, for me not to give Him what belongs to Him first. I’ve learned over the years, that while paying down debt, if you don’t pay yourself first, Murphy will hit and hit hard. Plus this teaches me to live on less than I actually make.

I think this is the Great Depression syndrome. People who’ve gone through the depression tend to save no matter what for a rainy day.

Right before the Great Recession of 2008, I’d paid off my debts and saved a nice chunk of change 💰. Well the recession hit, I wasn’t worried, I was able to stay home, finish college, take trips and enjoyed my summer while all my friends worried and couldn’t find work. I also ended up back in the mess I’m in after this, by not staying true to my values 🙄, lesson learned. So for me, I never want to be in a position where I can’t afford to stay home if the worst thing happens.

I think that’s why I’m saving. Though I’m what one might call a moderate Republican, I hate government interference, I’m pro gun and pro choice, and I don’t like what I’m seeing. Home 🏡 prices are slowly creeping back up, people are frantic about buying a home (me included), jobs are steady but lay offs are happening and gas ⛽️ , well that’s up and down. Plus the markets has been way too good. I always say, what goes up must come down. Maybe I’m overly cautious but I’d rather side on the side of saving than not.

Oops, it wouldn’t be a post without SO drama. His daughter who is pregnant went to the movies with cousins. Apparently one of the cousins decided to head out the theater early. Well this cousin, who just turned 18 gets into a fight with a 16 y/o and ends up in jail. 🤦🏾‍♀️🙄
I’m not sure why the daughter was at the movie 🎥 she should be in stork mode getting ready for a baby 👶🏾 but of course the grandmother 👵🏽 allowed this foolishness. 🤦🏾‍♀️ unbelievable. SO is another reason why I’m saving and paying down debt. He has too much drama, I need to move or get him out of here. I can’t afford to live on my own with debt and no savings

Drama

June 15th, 2018 at 06:55 pm

Spoke with the payroll manager and my check for my PTO will be deposited Monday, I’m happy because all of it will be paid towards CC5. I’m thinking I should receive about $750. Hopefully the last check of this month from the new job, I’ll be able use some to pay it off.

I did set the money aside to pay for COBRA if I need it. My doctor called and wants me to schedule for labs and a follow-up 🙄. Well I’d really like to wait until August but my last result showed blood in my urine. I’m thinking this was due to my cycle, matter of fact I know it was. Plus my vitamin D was low. Smh always something. I’ll think it over the weekend before I pay $384.

Regarding the house, court is set for June 28th. I’m so ready for this crap to be over.

My sister closed on her place, and will be moving. I really don’t think my mom should be living by herself but hey.

The SO came home last night to tell me his 16 y/o daughter is pregnant smh. She’s been trying to get pregnant since last year from a guy who has pretty much told her to go to #^+^ 🤦🏾‍♀️🙄. I’m so glad I’ve had this conversation that no kids having kids will be moving in with me. Another reason why I’m trying so hard to pay this mess off, save, and my move. Too much drama with him.

Extra $100

June 2nd, 2018 at 02:33 pm

Wow out of the blue my older brother, not the jerk I'm dealing with, left me $100 at my mom's house. Guess what I'm doing with this money? Yep paying down CC5.

I can't wait to get paid on the 15th, I'll get my final check from my previous employer as well as my first full check with the new company. I should be able to knock CC5 in half and then pay the remainder off by the (6/29, last check) of the month. I'm so excited. That will be four credit cards paid off since January.

The closing on the house is on 6/29 and I should be able to knock everything else out of the way. How exciting. Hopefully all else will go well. And I can get rid of the jerk I call a brother for good.


Debt Sucks!

June 2nd, 2018 at 04:12 am

A friend of mine daughter was diagnosed with cancer and completed her chemo treatments a few days ago.

What's heartbreaking is that, she could have taken FML (Family Medical Leave) but due to not having any PTO available she couldn't afford to be off. The leave would have been non-paid. For six weeks her daughter went through treatment about 3 hours a way and she simply couldn't go.

Yes she was able to go up a few days, but her time was limited. When she and I spoke she was clearly very upset about it. I felt bad because I couldn't help.

My point of this post is, I never want to be in this situation where a family member, mom or sibling, is ill and I can't take off due to money and bills. This event reminded me why it's important to sock away something, even if it's $10 to my EF. I know Dave says save a $1,000 until all debts are paid, but that just does not give me comfort.

I also felt bad because I didn't have anything to give her, and here we are friends. I never want to be in this situation where a friend is in need and I can't help. This is truly frustrating and an eye opener.

Well Thursday I received my second to last check from my previous employer, of course I've budgeted everything out. Then yesterday, I received my first check from my new employer for $751. I only worked three days. This money was extra. So I added an extra $100 to the EF and sinking fund, paid a July bill and kept the remaining funds in my checking as a buffer. I also paid extra on CC5. The good news is that I was able to CashApp my friend a few dollars, not much but something. I honestly feel a little better.

Having the buffer in my checking account now of close to $500 will help me a lot. It's the old money I'll use to pay bills (the floater) I read about in YNAB.

What I've learned from this second round of get out of debt is,
1. Debt sucks
2. Debt is easy and quick to get into and yet long and hard to get out
3. Save always pay yourself first, even if it's $10
4. Tithe!!!! This has taught me a lot. The spirit of giving is so much better than receiving
5. Budget, I've never budgeted a day in my life until August 2017.
6. And finally NO NEW DEBT, save for what you want. Figure out a way to get the things you want (e.g extra job, selling item)

New Job and House Issues

May 17th, 2018 at 03:47 am

I gave my resignation and received a call to not come back. It was hurtful but I'm so thankful that I have another job already lined up. I'll be starting that job next Wednesday as the HR manager. The place that I worked is/was very toxic. I've been considering call the Department of Labor on them, FLSA, ACA, FMLA, Title I and VII violations, you name it they do it. But I always say, you reap what you so.

I'm so thankful that God revealed to me, to get the hell out of there.

In financial news, I somewhat blew my budget, well let's face it, I blew it. Over the last few pay periods I didn't stick to it so I decided to get back on track. June is right around the corner and I haven't put a dent in CC5. Hopefully I can knock at least $300 off by the end of June.

With the new job, I was able to get my salary bumped by three grand but this simply covers my medical deductions, so I'll still be making what I made at the old company essentially. Since I'll be coming in as HR manager, one of my goals is to provide better benefits.

One thing I've been telling the SO is that I never want to be in a position where I can't quit my job or help a friend. God has truly placed it on my heart to save and knock these bills out. Yes I've fell off the wagon but thank God I've been steady. I continue to add funds to my EF. I know Dave says no, but for me to be comfortable I must. I've budgeted $50 a pay check, next month I should be at $1300 and it's a great feeling. Goal is to have at least $8K saved.

SO has really stepped up. I don't know if it's because I stop nagging or what, but he's saving and paying the bills on time. Interesting, I did tell him that I was not trying to blow his momentum but that I'm still thinking we need to part ways, he's gone too long without trying. His response was he was tired of disappointing me. My thing is, it took me some time to wake up. We'll see.

In house news, my brother and his family went to my attorney's office raising hell, all last week (multiple time). I've told my attorney to call the police on them. Apparently they're trying to force my attorney into a contract, I call it extortion. Then my brother's girl friend goes on my Facebook page and post a mean GIF, I screen shot it of course. Minutes later she takes it down. What is wrong with people?
I told my mother, who I thought would be able to get him under control, needless to say that didn't work. Smh
I can't wait for this mess to be over. I'm terrified of guns but I took the class to carry a concealed weapon, I have no clue what he's capable of and my other brother keeps telling me to get one to protect myself. Jesus who would have thought

My Brother is Nuts

May 11th, 2018 at 04:58 pm

So my attorney called me today to tell me that my brother was back at his office. I'm not sure why he refuse to call the cops 👮🏼 on him. I told him to call the cops 👮🏼 because I'm afraid of what he might do. I also told him that I'll feel bad if something happens but he can't say I didn't tell what to do.

This is absolutely ridiculous, I am praying that we can get through this lean search and close without any additional hiccups. Please keep me in prayer

Can't Wait for This House To Sell

May 10th, 2018 at 04:00 pm

I realized that my brother is CRAZY 😜

He and his kids went to my attorney's office in an attempt to force him in a contract with them and for him to take money from them. First of all he has an attorney and should be going through his attorney when discussing anything about the property.

Secondly, you can't force someone to take money from you that sounds like extortion to me. Smh
Going forward if I have to go to the property I'm going with the police. He's dangerous. Not sure why my attorney didn't call the police on them.

I just can't wait for this mess to be over.

Chipping Away CC4

April 4th, 2018 at 07:11 pm

Finally received my $50 back from a family friend. It was no sweat off my back because I knew he would pay me back, plus he's so good to my senior aunt who does not drive, that it didn't bother me. He actually left an additional $50 because he took so long to pay me back, I gave the extra money 💰 to my aunt. She's amazing.

I keep a buffer in my checking account but I'm going to take the $50 and apply it to CC4 💳 . The goal is to have this sucker paid off by the end of the month and meet my second quarter goal. New balance,$297.61 😄. I haven't used this card maybe in about two years and now, it will be gone! Yay!

Different note, my mother wants my sister out of the house. My mom, and you all have read my posts, is an angry woman. She's absolutely miserable. I felt so bad for my sister. We have a spare room here so I told her she could crash here. I pray that one day my mother's heart ❤️ will soften.


Over It

March 29th, 2018 at 06:10 pm

I've played around with my budget so much for the upcoming period that I drove myself crazy.

I realize that I have become overly obsessed with my budget and paying off debt that I'm actually not eating. Usually when I'm stressed I don't eat, I didn't even realized that I'm stressed. I got on the scale and I'm down 10lbs. I'm glad I lost the weight but not how I did it. 🙄🤦🏾‍♀️

I finally wrapped up my budget, though I can't, well I opted not to, pay extra on these stupid student loans, I decided to sock it to CC4. The good news is, one I replenished what I spent on AAA service, and I will literally cut CC4 💳in half. Once I get a job closer to home, I can cut the AAA service to the lower plan.

Different news, SO came home complaining about his mother. She was able to pay him his pay check 💰 but didn't give him the money for all the things he bought to do the job.

Long story short, she waste money, doesn't manangement the books appropriately and he refuse to say anything to her because he might hurt her feelings. Me, I'm just over it. So I let him rant, while I thought 💭 about all the receipts he has and that I need to scan them to Receipt Hog 🐷 before the cut off date.

Finally when he's done, I just say, "what's the solution?" He says, " I don't know." I say, "well you've been dealing with this since I don't know how long and you need to come up with a solution." I start scanning the receipts and he says "I guess I'm scared." I say, "fear will always hold you back." I finished my scanning of receipts and walk out. I use to feel bad, but I'm over it and my goal to retire at 57 and to make my dad proud. I can't waste time telling a man to take the business from his mom before he falls flat on his face.

Weekend Shenanigans

March 18th, 2018 at 09:52 pm

Tackling the debt was the best thing I could have done.

Just looked at my budget for the next budget period and realized I can put 20 to 25 percent of my income into savings and still pay a little extra on the CC. Though I'd love to do that, I'm going to throw it at CC4 to get it down to $400 or less. Then I'll add a little to the EF to bump me over the $1200 mark.
This is all after paying my tithes first. God has truly blessed me. My prayer is that I continue on this path with no looking 👀 back. One of these days I'm going to be that person, walking around handing out $100 bills during Christmas time.

When you're doing what you are suppose to, you not only pay bills on time, something I never had a problem with, but you're way ahead of schedule. I usually pay the BoA credit card 💳 with the last check of the month because it's not due until the 2nd or 3rd, but for some reason I paid it the last budget period. Lol. I couldn't believe I had done that, and to be honest I'm not sure why. Maybe God wanted me to see the fruits of my labor.

I'm so loving this.

Saturday I went into a beauty supply store, and casually mentioned I wouldn't mind working part time, the owner's son offered me a job. I was like wow! They know me, I frequent the location, but the problem is that I can only do two Saturdays and month and Sundays are out, God has been too good for me not to worship. I'm going to pray on it and see if something doesn't work itself out where I can take on the extra job. I can use the extra cash to pay down student loan debt 👩🏽‍🎓. That would be awesome.

I forgot to mention that the SO suggested that we go out for ice cream 🍦 St. Paddy's Day 🍀. We're doing this less tv 📺 thing. I was a little hesitant but thought why not? Long story short, ice cream 🍦 and a milkshake was $20 at Kilwins, yikes! I wanted to scream but kept my mouth shut 🤐 . For the last two weeks he's been doing pretty good. But I couldn't help but wonder why couldn't we add this $20 to the EF or debt? I need to stop focusing on finances so much and enjoy life, but not to the point that I'm back where I started. I find myself not wanting to spend the fun money 💰 that I budget 🤦🏾‍♀️.

Honestly; it was a nice outing. We people 👨‍👩‍👦‍👦watched, found a really cool bookstore 📚 , and a super cozy coffee ☕️ shop that just so happen to be having spoken words, so we sat in. All in all it was a great weekend.

Target CC Down

March 18th, 2018 at 07:16 pm

I went ahead and paid $37 on CC4 knocking it below the $700 mark 😄. I'm so excited, that I'm trying to think of ways to actually have it paid off before May 1st.

My quarterly goal was to pay off one CC per quarter, I've already met my first quarter goal but it sure would be nice to make it two, in one quarter. I'm not going to stress too much about it because I'm already on track.

I also added an additional $38 to the EF bringing the total to $1174. This is awesome because I want to save at least a $100 a month, and I've beaten that goal for March already 😄. In addition; I'd budgeted $65 for the truck registration and it was actually $49 so I'll be adding the difference to the EF.

On a different note, I have cut out TV, the best thing I could have done. I find that by not watching tv 📺 I get to work on time, and there's more time in my day. Next on my list is social media. I have however; been listening to a new podcast, Jen Hemphill, I like her. She discusses finances and interviews an array of people.

Lastly, the SO and I just finished up our bible study 📖, I'm not sure what's happening but he's making some progress. I did end up asking how his week went with no spending and he said pretty good.

Edit to post. Just noticed that the funds for an item sold on Poshmark was now redeemable, $7.05, so I added this to my EF. I'm so excited. Things are trucking along. New balance $1,181.05

SO Update

March 17th, 2018 at 12:41 pm

OMG, the SO had me to pay the cable bill. This is the first time that he has ever paid his share on time. I almost fell out of my chair 💺. I can't believe it. Is he really trying to get things in order? For his sake I hope so.

I know last week he had mentioned that he was doing a no Spend challenge. I didn't ask how things went, I'm just glad that he's trying.

No Family 👨‍👩‍👧‍👦 Vacation 🌴 For Me

March 4th, 2018 at 11:11 am

Well I'm not going on the family 👨‍👩‍👧‍👦 trip, I knew I wouldn't be going but was putting the money up just in case. I realized that a laptop is more important not to mention paying down my debt than going on a trip ✈️ 🌴

I did some researched and found a refurbished HP laptop 💻 at Walmart for $139. So just two pay periods away and I should be able to purchase one, cash 💰. In the past, I've always put these items on a credit card 💳 and bought brand new. Well it feels so good to know that I can cash flow things and know that refurbished is just as good as new.

Though it's not a must that I buy the laptop 💻 and I probably won't, I've learned to wait three days before making a purchase and that is why I'm so happy.

On a different note, I created the sinking fund for Car insurance, car repairs, gifts and sorority stuff. But I've spent everything on car repairs. First brakes and next alignment, and tire rod. Now I have save up for a motor mount 🤦🏾‍♀️

Adulting (?)

February 26th, 2018 at 10:40 pm

Adulting is a termed used by those who are being responsible, I guess I finally made it lol.

Today I printed out a W4 at work and actually read through and made my adjustments. Rolls eyes 🙄

When I first started working, 30+ years ago I was told by an adult to always place zero on the document so that my tax refund would be nice. And so for years I did. Then I changed my withholding to two. But I sat down out of the blue and decided to read and follow the instructions for myself on the form and my actual withholdings should be three.

I'm so frustrated, not with anyone in particular but the fact that I was never taught about finances, not by parents, educators or mentors. I mean indirectly my parents always said to save and pay your bills, and I pay who I owe on time, but never taught about money.

I sit back and I reflect on the following
* taught myself how to balance a checkbook after always bouncing checks (early 20s)
* Mid 40s finally decided to review my allowances
* Paid off debt due to being frustrated but five years later back in debt, what did I learn?
On thing I was taught, and that was to do my own taxes. I've never paid anyone to do my taxes since I was 16. My economics teacher taught us how to complete a 1040EZ. I would go to the library pick up the documents and instructions for free. Now I use turbotax to complete my returns but I'm thinking of going back to good old pen and paper, it's free.
It's just amazing.

To change the subject we met up with some friends yesterday. They asked how the wedding planning was going, I said it's not going because the SO refuse to get on a budget and do right financially, and that he waste money. The SO said that I'm getting to be too cheap. They laughed but I didn't find anything funny.

So this couple goes on to tell us how they decided to put a $1000 away a month, I thought that's great, I'd love to do that. But then they go on to tell us that they purchased this new truck, Volvo, with all the bells and whistle and paid an extra $15k because they wanted the 2018 vs the 2017. Now mind you this truck starts at about $46k, I couldn't help but think I would love a new car but I don't know about spending that kind of money. They went on to tell us that they bought a condo, that's not rented in Vegas and it's only about $700 a month. I don't know a part of me was happy for them, jealous and then sad all at the same time. I couldn't help but wonder how much debt they must be in.

Well, my word for this year is gratitude. I have to remind myself that things (debt) do not make me happy. And though things may look great for others, and they may very well be, it's just not my season.

Things I'm grateful for, not in order of preference :
1. A roof over my head
2. Paid off car 🚗
3. Paid off 3 CC 💳
4. This group
5. Time spent with dad
6. Eyes finally open about my finances
7. Clothes
8. My job
9. My health
10. Family and friends
11. God's grace and patience with me
12. No more depression, thoughts of suicide- haven't had this in a while, thank you Jesus
13. No more getting upset when things don't go my way. I'm not saying I'm not disappointed but I just don't dwell on it


Free Night Out

February 17th, 2018 at 04:03 am

Last night our city hosted a free reggae concert, so a few of us ladies got together and bought some things to snack on and headed out. I purchased dessert, half priced Valentine's Day sweets 🍭 🍰, and bought a bottle of wine 🍷 that I already had at home. I only spent $7.47

Long story short this was such a great event, and it was free. I realized that having fun doesn't mean spending a ton of money 💰 or any for that matter.

Even the SO thought it was great to attend, and wants to go to the next one 🤔 Hmmm

Bye Bye Plot 👋🏾

January 17th, 2018 at 12:44 pm

So excited!

I spoke with the rep over at the graveyard and I can give up or transfer that plot to the SO, thank you Jesus!

Only bad news is that we can only make it on the weekends and she's out this Saturday, but I'll be there bright and early on the 27th. Unless he's off Friday, I am, we can go in then. Two years fighting with him to pay his bill on time and I finally just got the nerve to say enough.

Cable was back off yesterday, because once again he did not pay his share. When he comes home tonight, I'm calling the company to see if we can transfer the service to his name, that way I'll give him the money and what ever he does is on him. Literally the cable is off every three months.

I'm counting down the days when I can say, I no longer need a useless roommate. Court scheduled for next month.

The last few days was a no spend day. We went out for my birthday (today's my birthday) for lunch yesterday with coworkers and I spent $10. Not bad but I'm still upset about spending money, I'm always like, I could use that for debt. But oh well.

I'm off for the next three days, so no spending money for me and I'm excited. Not driving a hour each way to work will save me a ton in gas ⛽️ as well.

Now I'm just waiting on W2s and 1095s to file my taxes, any money received will go straight to CC4. Hopefully I'll have number three (3) paid off by mid-February.

Lastly I'm wrapping up, "Why I Need a Budget," it's okay but I'm just not overly excited about the book. I personally didn't like the fact that the author pushes his product, YNAB. One thing that's in the book that stands out for me is the mantra, "debt is not option." I'm going to plaster this all over the place, in my car, on the refrigerator, my wallet, my money envelopes, I want to be reminded that debt is no longer a option.

That's it in a nutshell


Murphy is Super Busy

January 11th, 2018 at 03:12 am

Murphy hit yet again.

After getting the brakes repaired, I realized my tooth is cracked. I'd eaten a piece of candy and thought it was that but no it's my tooth.

Then the SO and I went off to the basketball game Sunday. I'd told him weeks ago that I did not want to go, but he claimed that our friends purchased the tickets for him/us since they'd owed us a favor. I think deep down he really wanted to go.

Anyhow we go down to the game. Then we end up having dinner. I'd told him prior to leaving that I was not spending any money. Not for parking, anything. And I didn't.

So we are on our way home, he's driving and we stop for gas long story short, he hits another truck. Jumps out the car and guess what he has no license. I can't continue to live like this. The only good thing about this entire situation is that the driver of the other vehicle had no license either. Smh 🤦🏾‍♂️

He kept apologizing, and I'm like enough already. We have talked about this crap since August and I just can't believe you have not taken care of it. Not only that, you're calling your mother now to bill clients so that you can repair the car. Are you serious? Why not just take over the business from her? What pisses me off is that he's saying the other driver hit him, if that's the case why is bumper damaged and not the front end? Who knows. My disinter looked at the car and said that the other drive hit us but can't do a thing because he has no license.

Then we come home and the cable box is out, I think lightening struck it. Can't call the cable company because once again he has not paid his portion of the cable bill and normally they want their money before any repairs. Smh
Long story short I was able to log in And schedule a maintenance call. The technician came out and we're all set.

In the meantime I did buy a little $15 antenna it works pretty good. I'll return it though for one of the better ones that was out of stock. Once I do that, I'm cutting the cable. He can pay for it if he wants.

Fast forward I wanted to walk out of my job yesterday. That place is a joke! I realize that I never want to be in a position in that I do not want to leave, well can't leave a job. I took another look at my budget. Cut some things and tomorrow I should be able to add $379 back to my EF. I'm annoyed because that money should be going to CC3 to pay it off but I have to beef up the EF since I used the money for breaks. Hopefully I'll have the Sprint check soon, and that should put me back at $1,000.

I got the first estimate of my car $800, I'm thinking they'll reduce if I pay cash who knows. I'm going to try two other places and then put it in the shop. I'm almost certain that this will be an expense in that I occur, SO never has his share for crap. Though he did say he would and so he should, pay for it. I'm not holding my breath.

Next month we go to court, hopefully we can get this house sold and behind us. I can pay off debt and then buy a small one bedroom condo that I can pay off in a few years, rent and then move into a two bedroom villa or something

CC3 under $400

December 30th, 2017 at 05:23 am

I did it, I used the buffer in the checking account and paid $112.67 on CC3 to knock the balance down below the $400 mark, new balance $399.00.

I'll admit I'm nervous about not having the buffer but, I want this card 💳 gone! Over $6,000 💵 in furniture purchased with no help, as promised, to pay for any of it. And now, today, it's just under $400. OMG! I thought I'd never pay this bill off, now it looks as though late January I can say goodbye and good riddance.

Next on the list, is to head over to the grave yard and remove my SO account from mine, I'll even eat the cost if there's one to get his name off. For about eight (8) months when we first purchased I paid, I finally had a breakdown and he started to pay but he's always late. I told him I was not going into the new year with this mess, his mess. I'll be lying 🤥 if I didn't say a part of me feel bad 😔, but it's the right thing to do, other wards, I'll begin to resent him. It's for this best, especially for the move.

Last night we were chatting and I'm not even sure about what and how the subject of money 💰 came up but it did. I said something to him along the lines of, " do you realize that if something was to happen to you, that I couldn't take care of you or me?" He then said, " I could do it." I said, "How? You have no money saved and you pay nothing on time." He then said, "wow talk about putting me down." I felt bad but thought 💭 , why? It's the truth. If he got hurt and couldn't work, there's no way I could take care of both of us. Hell when I wasn't working, I depleted my savings because he couldn't pay the household 🏡 bills by himself let alone my other bills.

It's a tough journey but I have to stay focus.

Instead of saying I want, I'm now saying I will retire at 57. Plus you all do a good job at not sugar coating things, and keeping me accountable.

Good riddance CC3 and plot!

Birthday Gifts

December 29th, 2017 at 05:25 pm

Went to Walmart and picked up birthday gifts for my three great nephews at $15 each ($45 total).

I'm so excited because I never did anything like this before. I created a sinking fund for birthdays and Christmas gifts. I'd budgeted $25 per kid (4) and came in $30 under. What a great feeling. The SO couldn't believe that I was buying birthday gifts for the months of February, May, and October. I just think that this was great. I think I'll do this every year, buy the gifts after Christmas on sale. As far as Christmas, throughout out the year I'll buy marked down items and since I'm keeping tabs on my budget I shouldn't go over.

Different news, my brothr (not the one who is a jerk) went to deposit cash into my account to cover January's mortgage (I purchased his house in my name in 2012) and the bank said he could no longer do that, crazy. Apparently there's some new money laundering law 🙄🤦🏾‍♀️. Well thank goodness this was a separate savings account so I'll give them the ATM card.

That was a good laugh

December 26th, 2017 at 04:27 pm

I bought my SO a Michael Kors watch ⌚️ from the outlet mall for Christmas. To purchase the Michael Kors box 📦 to put the watch in, would have been an additional $6. I opted not to.

Now he wants to know if his watch ⌚️ was bootleg because it's not in a normal MK box. I tell him, I wasn't spending $6 on a box.
His face >>>> 😳
My face >>>🤦🏾‍♀️

I'm on a budget, he's lucky of if got anything. Lol

He kept saying wow, I kept laughing. This was the first time in months that we actually laughed together. Felt good, just hope it's also a teachable moment for him.

Annoyed with CC3 So I Knocked It Down!

December 24th, 2017 at 02:44 am

Checked the balance on CC3 and it was $729.16. The $29.16 annoyed me so I added this amount to the card 💳, new balance $700.

I'm hoping to get this card down to $600 before the new year, maybe even $500. My next two budget periods are very lean and I have a $300 buffer in my checking account. I know, but for me this gives me a peace of mind. I'm so afraid that if I don't keep a buffer I'm going to use the CCs 💳. I'm also afraid to cancel them. Once I hit the $3,000 mark in the EF and pay off a few more CCs 💳 I can say whew, close out the accounts and not keep the buffer.

The buffer is primarily because I live with the SO, and most of the time he doesn't have his share of the rent until the second or third, that drives me crazy because it's due on the first. I'll be the first to say, I'm no pro with money, but I've always been super good about paying my bills on time. I hate paying late, and any late fees associated with it.

One thing that I'm excited about is, this is the first time I ever created a sinking fund (saving for a want and need); and come January 3rd I'll be using the funds to purchase my season ticket, cash. Notice I said "my" and "ticket" meaning one ticket and with cash.

Normally, I'd purchase both mine and the SO tickets using a credit card, I'll tell him and he'll say, "I'll give it back to you." Months go by, no money and I've racked up the credit cards, I've done this three years in a row. I've shared and reminded him that his share is due by the 3rd. The thing about it is, if he has his share it will save me $30 . For six tickets it's $60 plus an additional $60 for the parking pass, total $120. If he buys his, the grand total then turns to $180, We would split this in half to $90. Either way I'm prepared. It's cheaper to buy the parking pass than paying upon arrival.

I can guarantee you, he won't have his money. I'll admit I'm a little nervous but this is a tough lesson he's going to have to learn. I cannot and will not keep footing the bill. I know him, when he learns that I only purchased the one ticket he'll say "wow" and think that I'm being selfish, not realizing that at the age of 45 soon to be 46, I'm teaching him a valuable lesson, as well as myself.

Have to keep pushing

December 23rd, 2017 at 05:49 pm

I cannot wait to get out of this hell of a relationship.

Today the SO gave me back the $400 💵 he owed me. Almost three months later 🙄. I told him on Friday I wanted the money before the new year.

He goes on to tell me that he had over $400 in Christmas bonuses from his clients that he let his mother keep. Then he tells me that he gave his two youngest daughters $250 each, mind you they are 16, for Christmas 🎄. I don't say a word, I just listen. Besides I got my money, so I can careless and am working on my 2018 planner.

Now he's talking about how he wanted to pay what he owed before the new year, I'm still in my leave me alone mode while I get ready for 2018 🙄. Then he hits me with the "I'm so broke right now." I'm like wth! You gave your mother, mind you who is running the business in the ground close to $500, plus your two teenage daughters a total of $500 for Christmas. And did I mention he gave one (daughter) an additional $50 bucks because she cleans the house, what! She lives there. Apparently he pays her every week to do so. Total $1050.

Now he's whining about not having any money, as if he wants me to feel sorry and say here you go. Sorry buddy, I'm utterly disgusted with you.

First of all, as I have said in the past, and I'm done talking, I was simply thinking 💭 the following:
1. Your license is suspended and you just provided $1,000 to family in Christmas gifts
2. You have a pass due balance, again on the cable, of $136, and you just gave out $1,000 in Christmas gifts
3. You just spent close to $500 on a house Christmas party and gave away almost $200 of liquor that you could have returned and did I mention the $1,000 in Christmas gifts?
4. You're off for an entire week and won't get a check, mind you, he barely gets one from the mother, rent is due and you just provided a $1,000 in Christmas gifts 🎁

I'd say your priorities are all screwed up. The new me, can careless. I have goals in that I'm trying to accomplish like one, getting out of debt; two buying a house; three retiring at 57 and four traveling in my retirement. Can't do that with a person whose priorities are all messed up. Who continues to live like the Jones, who doesn't respect me enough to know how important it is reach these goals.

As he talked I just listened and worked on my planner. His voice reminded me why it's so important to pay down this debt, sell the house and move.

Pushing forward and not looking back

Homemade Happy Planner

December 23rd, 2017 at 12:10 pm

Well this is the first year ever that I CASH 💰 flowed Christmas 🎄, huge accomplishment for me. I'm so excited that I can scream.

I finally got my money back ($400💰) from my SO, this will not happen again. Never lend money you want back. Needless to say, this will cover the Sorority dues. 🤦🏾‍♀️🙄. I know, long story on this one.

Other news, I really really wanted a Happy Planner for 2018 but decided to create my own. I found some stickers on sale at Michael's and a cool calendar. I think it's coming along




He Who Laughs First, Laughs Last

December 22nd, 2017 at 02:41 am

A good friend called last night and he wanted to know how the wedding 👰🏾 planning was going.
I told him there isn't a wedding and he wanted to know why. I told him to ask my SO. So he did. The response that he (SO) gave him was student loans. Huh? I was furious.

You have just implied that you're not marrying me because I have student loan debt, are you #%* serious? As I'm listening to the conversation he continues to tell our friend that, "you can't go into a marriage with debt." Now I'm more furious because he failed to mention the fact that he has back child support, no money saved and is terrible with money 💰.

After calming down, I thought, you can't be upset. You're the one who told him to ask him. Secondly, you're the one who said, you did not want to enter a marriage with debt. But you're also the one who understands that the borrower is slave to the lender, you're also the one who has decided to make a change. So in the end, he's right, we're right, there won't be a wedding due to debt.

I'm not marrying a man who refuse to make changes, in his spending habits; who refuses to takeover a business from his momma because he doesn't want to hurt her feelings. One who refuses to save or pay down his debt. One who doesn't share the same goals as I do.

That conversation reminded me that I'm doing the right thing. It's taking me a little longer but I'm doing what's right. I sat back down and revised my budget so that I'm throwing more at the debt. I reduced my fun and personal spending. CC3 should be paid off by the end of January and then it's on to CC4.

In addition, the family is planning a family vacation (cruise) over the summer. Hopefully; I'll be gone by then, but if not, he won't be able to go because 1) he would not have paid anything on his back child support to obtain his passport and 2) he won't have any money saved.

In other news, I got word that I should stop looking for a job because the crazy 😜 director will be gone the first week in January, once that happens I'm asking for more money. She deliberately low bald my raise (2%) and my current manager knows it.

Moral of the story, one cannot be upset about things that are true, simply work hard, make a few sacrifices, smile and remember that in the long run, you'll be living like no one else.

My goal, retire at 57 with no debt and money saved.

Debt BINGO

December 18th, 2017 at 05:29 pm

Pulled the number 5 for the debt BINGO so I got this bill down to $736.18 😊

I was really hoping to get this CC paid off before the new year, it just looks like that's not going to happen.

Due to some mishap this past weekend, I really went over my budget for the holiday party we have. Poor planning, but I learned from it and moving on.

The SO scratched off $100 on a lottery ticket and gave me $50, I then cashed in my ibotta account, I think it was $26 and later realized I had $50 in my PayPal account. Overall if I was to include the money I received I may have went over budget by about $40. I'm still a little annoyed because this was to go on the debt, at least I didn't use any CCs


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