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$44

January 27th, 2016 at 06:38 pm

So I go to dad's and he has a ton of ones for me, $44 worth. Apparently he hates ones and throws them to the side. So today he decided to give them to me, I told him yes, I'll take that, thank you very much.

Added $44 to my $20/52 week challenge, new balance $1,968.26
Friday is payday and I'll be adding week 49 ($49) deposit, and that my dear will put me at $2,000 before February. I'm so excited. I'm hoing to hit 5k by June.

Am I insensitive?

January 23rd, 2016 at 11:20 am

So we had a break in, 80% of my items were stolen and the BF is moping. Now I'm upset that the house was broken into but I'm also thankful that much more wasn't taken or damaged. It's like get over it.

My BF on the other hand has been in the dumps all night and day. He can't sleep, keeps walking up and down the street for the canister that the thief stole that belonged to his dad. I understand that the can belonged to his dad, but I'm just like really? The world is not going to stop now. It was a Heineken can, I'm just thankful that the jerk didn't damage the photos. I'm also thankful that no one was hurt during this break in. I really just want to order another one. The can itself is about $20, and yes I understand that it belonged to your dad, but good grief. I'm missing a $1500 bracelet plus two karat diamond earrings.

I'm sorry I know death is hard, we know it's unavoidable but his dad has been dead four years and we're still dealing with mourning. Next month it's his birthday and I'll have to tip toe around feelings all month.
I'm sorry

What a week

June 17th, 2015 at 06:11 pm

Busy week.

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

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

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

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

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

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

Down 4lbs

June 13th, 2015 at 09:32 am

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

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

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

BF Sister in the Hospital

May 11th, 2015 at 08:22 pm

So my BF sister was rushed to the hospital today. What concerns me is that according to my BF, the doctor who saw his sister today informed them that since 2010 she has had kidney issues( after reviewing her chart). This was a shock to the family because apparently no one knew, not even the patient.

The reason why I find this to be strange is that his sister is a diabetic, has had two heart attacks, heart surgery,and her feet is constantly swollen. Now given all of this, she has been to the hospital on multiple occasions but the boyfriend tends to believe that out of all the doctors, specialists, therapist, and nurses in the last 5 years that no one has ever mentioned to her to see a nephrologist. I just can't imagine, can you imagine the possible lawsuit? You're trying to tell me that her primary care doctor, cardiologist, endocrinologist, nurses, therapist, the hospital over a five year period missed the fact that she may have kidney issues. I beg to differ.
I'm no doctor but I know that swelling in diabetic patients can lead to kidney failure and no one seems to believe that she was ever told. Interesting.

Not much I can say, they're very sensitive. I'll just keep my thoughts to myself and say a prayer that things turn out okay.

Back to normal

April 28th, 2015 at 03:31 am

Looks like the BF is back to normal. For the last few months, he's not been up to date with his bills, now it's back to normal.

First, he was responsible for paying the gym bill. Every month I have ask for the money and he's always late. So I cancelled his membership.

Next, rent is due on the first and he never has his portion until about the 2nd or 3rd.

Well this is what got me all frustrated. I come home last night and he says to me I have to buy X plane ticket. This is his daughter who is off in college (community) in Kentucky. I say okay. He then starts complaining that the prices are going up, I say wait until late Tuesday to see if they go down. He begins to tell me that "I'm not listening that he needs to buy these tickets. " So I'm like well call her mother so that you all can go half, or better yet tell her to get a job (the daughter).
Then it dawned on me, he wants me to buy the ticket. No sir will I spend money on a ticket. You knew in January she was coming home in May, start saving for it.
Rent is due, I'm buying my money order tonight, we go to the Derby and the $400 I set aside for this trip is for that. I'm footing the bill because I'm the one who wants to go. I paid the airfare, set money aside for the hotel, car and spending. I just paid off two CCs and will not add anything to any of them.

I wouldn't have a problem doing if if he paid bills on time.

Bad news

April 23rd, 2015 at 03:42 am

Yesterday was a whirlwind of a kind of day.

First a colleague, and now friend of mine, informed me that her nephew attempted to molest her daughter. Thank God she has a great relationship with her daughter who told her. I never felt comfortable telling my mother. Not to mention her sister stood be behind her with calling the authorities.

Next, I had the not so good interview and then finally late last night, my sister calls to tell me that my uncle's long time girlfriend passed away. She had multiple forms of cancer, breast, stomach, throat.

So that was what my day looked like, I pray today is a better one.

Gym Membership Canceled

April 18th, 2015 at 03:15 pm

Last year the BF and I joined the gym. I knew it was going to be an issue when I provided my checking account number. During that time I had a hard time saying no, now thank goodness I don't.

Long story short, there were months when I got stuck paying the bill. The BF has gotten better when it comes to the bills but it still drives me crazy. Why? I tell him the bill is due and I won't get his portion until weeks later. Therefore I am always stuck paying.

Well last night I reminded him as I always do that the bill was due. His response was "he didn't have any money and that he wasn't worried about a bill but how he was going to get his daughter home from college (buying her plane ticket)." Well needless to say that comment ticked me off. So again, I say to him today that we need to put the bill in his name and he decides to blow up and yells "cancel it!" Well it's cancelled and it feels good.

It ticks me off because this is a bill that is due monthly, and you should be budgeting for it.

Just touching bases

August 11th, 2014 at 03:50 pm

OMG! I've been super busy with the new job, that I haven't kept up with my blog.

For the most part, I've been following through with adding funds to the EF, and IRA accounts. As well as paying extra on the CC.

I removed the Target Visa from my wallet. I notice that even though I charge items, then pay the charge right after it's just no worth it. Sometimes I just can't make the payment right then. Sometimes the store is too busy and I don't have time to go to the service desk to make a payment. Not to mention, Target only allows two payments a week. Not worth the 5% saving if I can't make the payment right away.

Dad gave me $20 last week so I added that to my challenge.

Lastly, three things I'm thankful for:
• Finding a church
• Getting a massage ( I have terrible low back pain)
• getting my finances order

A Extra $40

August 2nd, 2014 at 01:56 pm

Stop by my mom's because my sister said she wasn't feeling well, and out of the blue she gave me $40. I was both thankful and surprised.

As far as her health, she's dehydrated and was told to drink plenty fluids. My neice, who is a nurse, said she'll go by later and check on her. I didn't stay long, because mom and I don't have the best of the best relationship.

Since it was tax free weekend on clothing and school supplies, I was going to take the extra $40 and buy me something, but the saver in me said add that money to my $20 House Challenge and so I did. Smile

Glad I'm back to saving

A Extra $40

August 2nd, 2014 at 01:56 pm

Stop by my mom's because my sister said she wasn't feeling well, and out of the blue she gave me $40. I was both thankful and surprised.

As far as her health, she's dehydrated and was told to drink plenty fluids. My neice, who is a nurse, said she'll go by later and check on her. I didn't stay long, because mom and I don't have the best of the best relationship.

Since it was tax free weekend on clothing and school supplies, I was going to take the extra $40 and buy me something, but the saver in me said add that money to my $20 House Challenge and so I did. Smile

Glad I'm back to saving

Three reasons why I'm thankful

July 24th, 2014 at 07:00 pm

1. Spoke with my aunt today, I met her for the first time two weeks ago. It feels really great getting to know my dad's side of the family

2. This is always on my list, spending time with my dad. As he battles with early stages of dementia for me it's just great having him in my life

3. A wonderful job. I found myself getting a little overwhelm but I took a break and got things back together, all while managing to stay positive

I know I said three things but I wanted to add one more

4. Having my portion of the rent money. It's been about eight months since I've been able to contribute but it feels good to be able to get the ball back rolling with things

What's happening today

July 16th, 2014 at 04:09 pm

Great day today. My new manager is attempting to teach me everything benefits so that I can be the next benefits administrator. I'm a little nervous and excited at the same time.

While in grad school benefits/compensation wasn't my favorite subject, even when I was studying for my PHR, I hated it. But when I say for the exam, I did very well, so go figure.

I'm hoping to be with this organization for the next five years, they're growing and I'm learning.

Today was a good day as far as spending goes. I had breakfast at home, packed my lunch, and dinner is made, so I'm add $6 to my challenge/emergency fund.

I almost forgot, my BF who held the fort down while I was unemployed for eight months, had the nerve to ask me to finance a $8,000 lawn mower. My answer was NO!

Lastly, three things that I'm thankful for:
• My friends here on Saving Advice. The support I receive here whether it's on my finances or my personal life means so much to me. I am truly thankful
• My car. Thank God I have reliable transportation without any car payments
• My BF mom is out of her coma and is responding

That's it in a nutshell

What's happening today

July 16th, 2014 at 04:09 pm

Great day today. My new manager is attempting to teach me everything benefits so that I can be the next benefits administrator. I'm a little nervous and excited at the same time.

While in grad school benefits/compensation wasn't my favorite subject, even when I was studying for my PHR, I hated it. But when I say for the exam, I did very well, so go figure.

I'm hoping to be with this organization for the next five years, they're growing and I'm learning.

Today was a good day as far as spending goes. I had breakfast at home, packed my lunch, and dinner is made, so I'm add $6 to my challenge/emergency fund.

I almost forgot, my BF who held the fort down while I was unemployed for eight months, had the nerve to ask me to finance a $8,000 lawn mower. My answer was NO!

Lastly, three things that I'm thankful for:
• My friends here on Saving Advice. The support I receive here whether it's on my finances or my personal life means so much to me. I am truly thankful
• My car. Thank God I have reliable transportation without any car payments
• My BF mom is out of her coma and is responding

That's it in a nutshell

I almost crumbled but...

July 15th, 2014 at 06:50 pm

I try my hardest to stay clear of my mother. She always have a way of making me feel like, why was I ever born.

Long story short, last week I stopped by because she wasn't feeling well. I knew I didn't want to be there too long but when I got there she asked me to address some boxes. Honestly I was extremely tired. I just wanted to stop in and go but she had some tasks for me. I addressed the box, did the other task and left. Well today she called yelling and screaming that I wrote the address wrong and that the person who was to receive the items hadn't. I asked if she had double check the boxes, since she was there yelling at the time that I was writing out the address and she tells me no then hangs up. I'm like what the crap.

First of all I got off late, secondly you have a 101 items for me to do when I get there. I'm exhausted plus frustrated. As I'm completing your tasks, you're yelling about something else. And lastly we don't have a good relationship so the only thing on my mind is getting out of there. I'd say I was bound to make a mistake. Ugh. The thing that bothers me most is she only called to tell me what I did wrong and then hangs up.


On a different note I deposited $4 to my $20 challenge because I had breakfast at home and packed my lunch. I also transferred $5 to the EF account because I went to Boston Market and picked up sides for dinner and had a cheese burger after work.

I forgot to add the $2 I saved today for using my coupons, I'll do that tomorrow.

On a different note, here are my three things that I'm thankful for:
• Another day that God has allowed me to see
• being able to push my mother's words and actions about the mailing address off to the side. I almost cried/crumbled but I looked at the positive, she won't ask me to do it again Smile
• getting to bed before 11, whew

Today I'm thankful for...

July 12th, 2014 at 09:11 pm

Three things that I'm thankful for:
• Meeting my dad's brother and sister, as well as my cousins. I'm 40 so this was great
• Spending another joyous day with my dad
• Being happy for a change

My mother strikes again

June 29th, 2014 at 01:36 pm

Sorry this is a long post dealing with nothing financial

Once again my mother strikes. For those of you who have been following my blogs, you are aware of my relationship with my mother, that is not great at all.

For those of you who aren't aware, my mother is a woman who is a very angry and for the life of us, her kids and grand children we can't seem to figure out why.

A few years ago she told me to get the F out of her house because of a stupid disagreement over clothes I had left in a washing machine. We didn't speak for some time after that and I now pretty much still keep my distance.

Long story short she's just hateful.

Now fast forward, I still stay away and so does my nieces and nephews as well as my siblings with the exception of one, her favorite.

Almost a year and half ago, my sister moved in with my mother to try and save some money. I told her at the time that if I was her, I would make sure that I stick with the plan and save money, possibly looking for a full time job. Low and behold a few months after my sister moved in she started, my mother that is. My sister has called me crying about the same things I had issues with:
- Mom constantly complaining
-Mom begging for money , even though you pay her rent
- Mom not talking to you because you won't share what happened over at dad's when you visit him
- Mom yelling

As far as the money goes my mom has a nice little chunk of change, her house is paid for her car is paid for, and she has no credit card bills. She's the type of woman that if you have $3 you should give her $1

So my sister calls me today in tears because she attempted to talk to my mother to explain how mom makes her feel ( e.g low self- esteem, afraid to speak to her). Long story short ,
Mom told her what she old me a few years ago, right before she told me to get out and that was " as long a you live don't talk to me." Why she says those things I can't understand. Does she not realize that telling your kids those things are hurtful. Or does she not care?

I told my sister she could come here for a few days if she'd liked until things cooled off but if I was her, I'd make sure my ducks are in a row because knowing my mother it's just a matter of time before she tells her to get out.

I told my sister that maybe something happened to my mother as a kid and that's why she treats us, especially the girls, the way she does. Or maybe her mother treated her the way she treats us.

I was always afraid to have kids because I am afraid that I will treat them the way my mother treated us. I remember once I wrote a letter, I was about ten, talking about how my mother treated and talked to us, how she treated my brother totally different and she found it. Rather than talking to me telling me she loved me, she beat me for writing the letter. I'll never forget that, I thought what type of woman does that? There was also a time I was about 6, she beat me for something, I can't remember but it could have been I didn't eat my dinner or something stupid like that. I remember after the beating/spanking taking a bunch of pills to go to sleep and praying that I not wake up. But obviously I did.

As I got older I still battle with depression, thoughts of suicide when feeling down. But I will say this, and that is I've gotten much better at controlling those thoughts, not allowing them to control

$20 Challenge

June 28th, 2014 at 08:13 am

Glad to be back on track. Even though I haven't officially started the new job, I'm able to start back building my EF and make contributions to my challenge.

Dad gave me $40 today so I'm depositing that the my $20 challenge, within just two days I was able to deposit a total of $60

Dad told me something, that made a whole lot of sense. He said when he came to this country he was making about $1 and some change an hour but he managed to set aside $10 a week and that that $10 grew from $10 to $100, to a few thousands and so on. It makes me so proud to see a man who started out with little of nothing build so much wealth. A great retirement, rental properties and so forth. It can be done.

CC 5

September 4th, 2013 at 03:39 am

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

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

Come on August

May 12th, 2013 at 12:19 pm

As you all know so much is happening in August:
- Graduatiom
-$20k pay increase
-Moving out

I am so excited because its a few months away but I do not know how much longer I can deal with the BF.

Every month he is short, I'm sick of walking on egg shells because every Christ thing reminds him of his dad. I'm sorry he lost his dad, but it doesn't mean that I should be tip toeing around feelings every day.

For example today is Mother's Day; I too have a mom (not the best relationship) but I'd like to run by her house and not spend hours at his mom's. Also, ripping the house apart at 11pm at night looking for a pair of shoes that you already have another pair exactly like but refuse to wear because you wore them to your dad's funeral and getting upset because I asked the question why not just wear those is absolutely ridiculous just like burying the $100.

I'm just simply trying to make sure that the CC debt I have is paid off as much as possible and my raise kicks in before I move

Ridiculous

February 22nd, 2013 at 03:45 pm

Okay my BF who is always short on his portion of the bills ( and I have advised I'm moving) says to me the other day that his mom offered to pay his cell phone bill, since he is helping her with his dad's business. Well he told her he didn't need the help. I sort of understand because she is still grieving and he doesn't want to take advantage of her but he is running the business and need the money. I think once he gets situated he could stop taking the funds.

Now fast forward his mom cuts the payroll for the week and added an extra $100 with a note that said thank you. He said he attempted to speak to her and she started to cry so he didn't continue the conversation and kept the money.

Now here is the kicker, he owes as of the first over $1000, $475 of that is the balance forward from last month. But he decides that he is going to bury the $100 on his dad's grave. WTH! Are you serious? I'd rather he give the money back to his mom. I couldn't believe it. It took everything in me to keep my mouth shut. This is ridiculous especially when you're always short. I in so many words reminded him that he had a ton of bills due. This crazy

Just got the word...

February 13th, 2013 at 03:59 am

I just received the word that my friend lost her job yesterday. Apparently after three months she has not been grasping things. She admits that it was way too much and that the Agency took a chance hiring her with no experience. She said that they asked her if she wanted to finish out the month or the end of the week, I thought that was nice. She will finish out the week.

It saddens me when anyone loses their job, no matter what the reason. It really hurts.

After graduation

February 11th, 2013 at 04:03 am

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

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

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

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

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

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

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

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

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

Trying to understand

January 6th, 2013 at 04:36 am

I really think my BF and his family needs some bereavement counseling.

I know it's tough, but at some point life has to return to normalcy.
The mother can't be left alone because they all fear she is going to break down, personally I would think that would be a good thing being that she hasn't cried yet.

I've stop going to the house, because everyone is sitting there talking ever so often, with the tv on watching them, while playing with their tablet or smartphone. I find this very depressing.

He leaves here at 7 in the morning and is not back until almost midnight.

The funeral home is constantly sending something, because they are friends of the family but I find it creepy.

Just my thoughts and I'm aware that everyone handle things differently but ones life can't stop because someone else's did. You have to try to do things as if you normally would

Had the conversation

January 5th, 2013 at 07:28 pm

Well I had the conversation with the BF and explained that all bills are due on the 1st therefore I need the money by the 25th of every month.

I told him he needed to get on a budget and for the first month or so it would be hard. I also gave him the total of what to expect each month and suggested he should put X amount of dollars away each week.

I can only make the suggestions but I'm sticking to my guns, this is a new year and I have a goal to meet, in addition I can't let him hold me back.

Glad we had the talk, we'll I did, he really didn't say much

On a different note, my sister called to borrow money. She hasn't did that in a while. I gave her the $20 that I've had in my purse for a week. The reason I said gave is because I'd be surprised if she paid me back. Don't lend money you can't afford to lose. Apparently she called my mom and she said no.

As you all know next month would have been a year that I have spoken to my mother and to be honest I'm somewhat okay with it. But lately she has been calling. Once for Christmas dinner and today for me to take care of some things. She has yet to apologize, and honestly I don't think we wil ever have a good relationship but at this point it is what it is. I will say this I have plans of being best buds.

Well that's it in a nut shell, my next post will be about money and today's totals.

Nice surprise

December 31st, 2012 at 08:13 pm

Went to visit my dad and my brother gave me $20.00 Smile
I simply added it to my challenge. This was a really nice surprise.

Well I'm bringing in the new year alone , the BF decided he did not want to leave his mother alone. I think I'm being selfish but it's almost a month since his dad has died and he has spent all his time with his mother, so much that I asked him if he'd like to move in with her.

Even his other siblings has gone about their day to day activities.

I am aware that things change when death knocks but , don't forget I'm here too.

Just needed to vent a little.

Have s happy and safe new year's.

Having the discussion

December 28th, 2012 at 08:10 am

Well I plan on having a heart to heart with the BF. He has to do better financially. He spends money foolishly and now he is short $400 for this month's up coming bills.

The day after Christmas he took his entire family to breakfasts and spent $200 because that's what his dad use to do and he feels responsible to take care of the family. That's fine so long as you can afford it but you can't. I know he is grieving but he has to think rationally.

Next he finds out his 16 year old daughter is pregnant and I have made it clear she cannot live with us. Now if he wants to move out and help raise his grandchild that is fine with me because I'm not going to foot that bill.

What a year

December 13th, 2012 at 05:36 pm

This year is ending on a sour note. My BF losses his dad last night and it was unexpected.

Please keep him and the family in your prayers

$20 Challenge

November 26th, 2012 at 07:24 pm

Made it to the gym, so I'm adding $2 to the Challenge.

Also bought dinner, $18 so I added another $18 to the challenge.
Grand total $20 plus $4 from earlier was $24 added to my challenge, all of which was paid on CC2.

Bad news BF just said to me he will need for me to pay rent this month coming, I am not a happy camper about this.
He really needs to get his crap together. I know I've complained and some will say leave or shut up but like anything else it's hard but I'm really considering moving into my own place vs. renewing the lease in February.

Date night

November 25th, 2012 at 05:28 am

Last night the BF and I had a date night, we really needed it. Dinner, my treat, was just a little over $30 and the movie, his treat, was $14 plus $3 for popcorn. I brought in my own drink. We saw "Lincoln" and I enjoyed it.

On a different note, he has managed to get himself screwed up again with his child support. I have told him time and time again to simply send an extra $100 a month to catch up but for some reason he won't. However, he can give his kids what ever they want (i.e. laptop, new cell).

I think it's hard for me to understand being that I don't have children but I believe it's okay to say no, especially when it's not a must.

So with that said, I'm back saving, paying down debt, and focusing on grad school.

I'm not sure what God has planned but I'm sure it's for the best.

Now I'm heading to the gym (3xs this weekend) and adding another $2 to the $20 Challenge (CC1 debt). So far this weekend I have paid an extra $6 on the CC. I figured, on average I should be adding an extra $10 a week that equals an extra $40 a month paid on the CC by simply going to the gym. Works for me Smile


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