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Tough Love From My Saving Advice Followers

December 14th, 2018 at 02:43 pm

I hate the tough love that you all give me but hey, you’re more financially stable than me so what do I know.

Right now I have about $8,000 in my savings. It’s not on the sidebar. I’m truly OCD about having money saved just in case. It’s money I just don’t touch or look st. I actually had the funds in a bank account at least a hour away. Today I closed the account and deposited the money into my account that is close by.

Why? Well to pay off CC9. But I’m nervous as hell. I don’t know if I can do it. I know I should but I’m absolutely freaking out. I just ay this CC off my left with about $2k to my name.

I’ve been let go twice and both times I was able to manage with my savings. I am absolutely afraid. Especially now that I have a mortgage

Mortgage Sold

December 12th, 2018 at 07:58 pm

As suspected the mortgage was sold. I’m so glad I did not send off my first payment. Thanks to everyone who encouraged me to hold off.

Now that things seem to be settled, I’ll be sending off the payment on Friday with an extra $100 on the principal.

I still haven’t received anything from the HOA so I’ll reach out to them on the 20th.

I received a letter from the insurance company that the ORI B wasn’t signed, not sure what that was, calling them as well.

And I still haven’t received the homestead information as of yet. 🤦🏽‍♀️🙄

Mortgage Payment Help

December 2nd, 2018 at 02:25 am

I have the funds to pay the first mortgage and I’m anxious to do that. My only concern is that 9x out of 10 the mortgage is going to be sold. Should I wait until the 15th of December (due January 1st) to pay it or just send it off now? I believe in paying the bills as soon as they come in and when you have the money. I can actually pay both January and February with a extra principal payment as well.

My mortgage processor informed not to setup auto payments because it would be sold. My sister used the same company and they sold her mortgage to Wells Fargo


September 28th, 2018 at 05:11 am

So I’ve been socking cash away for some time to pay my car insurance for six months and to save for car repairs. I’m tired of paying monthly.

Well last week I decided to pay the insurance for three months. I’d struggled with this ( three months vs six) but I said hey just to do it. Something told me to pay only three months, it was like a nagging bug 🐛 .

Fast forward, the car broke down last night. I needed a new battery and a motor mount. I’m so glad I kept half the money saved in my sinking fund. It also felt good not to touch my EF. Though the sinking fund has decreased I’m overwhelmed with joy that cash was paid and no CC was used.

Different note, the judge awarded my brother the opportunity to purchase the house, we are scheduled to close Friday but I think it’s going to be pushed back. My attorney, smh. I don’t even want to talk about it. At least I know we can close and be done this mess. I can’t wait to get this over.

Feeling Sad

July 4th, 2018 at 03:29 am

I’m a conservative, republic on paper. I believe in little to no government interference, I’m pro choice, pro gun and at one point, pro immigration, meaning send folks back. Border wall was and still is not an option for me. I also believe that church and state should be separate.

With that being said, honestly I am so afraid of what I’m seeing/witnessing in this country. The Republican Party that I once knew seems to be no longer. Our national debt has hit 26 trillion dollars for the first time. I’ve been trying to save, because I’m so afraid of what might happen.

The topic of immigration has been on every single newspaper cover and every station for months now, daily. Though my family traveled to this country over 50 years ago, “legally,” I felt as though everyone else should or send them back. I was born here.

Some where down the line over the last few months my heart has definitely softened. What if my dad hadn’t decided to come to the US, what would my life be like? He wanted a better life for his family, what’s wrong with that? Who wouldn’t risk their life for their children? I have no kids, and yet, I’d give up my life for my 5 year old nephew. It breaks my heart, to see people treated so badly, simply because they’re immigrants or thought to be. The comments on the news blogs are just outright disgusting

Being African American I’ve been turned down for promotions, paid less than my colleagues with less education and experience, followed while shopping, harassed by law enforcement because I look suspicious, asked deeming questions about being black, and you know what it hurts. It hurts really bad.

I read posts and people say, “get over it slavery ended years ago.” Well honestly it didn’t. Everything I listed I’ve been through and more is a part of the slavery mentality, away to oppress a group of people. I just can’t imagine what the Hispanic population must be feeling and experiencing right now.

I know that these blogs are about money but for some reason, I’m extremely sad today.

Independence Day is a day for us to celebrate our freedom and yet so many of us are still in bondage.

Smash and Grab 🤦🏾‍♀️

May 27th, 2018 at 05:57 pm

Today the SO and I went out, I'd budgeted $20 for some things for my new office. I'm in need of a rug, a broom and a swiffer.

I went to the dollar store and bought a mini duster and a broom. I wish the office had carpet. But I'll get the swiffer from Walmart.

I normally don't do much to my office or space at work because I'm always afraid of a layoff (3x already) but for some reason I really feel good about this place. I bought a few picture frames, because I want to add a few quotes to remind me how blessed I truly am. Gratitude is my 2018 word of the year so I'll definitely be adding this one.

Anyhow we were out and about looking for a rug. We went to an outlet store and I was feeling a little dizzy so I sat down. Next thing I know the store alarm is going off. I think, oh the cashier forgot to remove the tag. Well that was not the case. There was a smash and grab, smh.

I couldn't believe that I had actually saw someone running out of the store, jumping into a car with an armful of stuff. I only got partial number of the tag of the waiting car, and I'm not even sure that was right. I shared it with the cashier, sat there for a minute because I just couldn't believe what I'd just witnessed. All I could say was what is wrong with people? This was really disheartening.

Prom, Birthday Spending

May 26th, 2018 at 05:55 am

OMG these sweet 16 birthday parties are outrageous, right along with prom. I don't know if it's because I'm broke, or that I'm conscious about my money but what I see these parents spending on their kids is absolutely ridiculous.

Rolls Royce, Maybachs, horse and carriages, a Mercedes for a 2 year old, I can't even imagine. Everything is a theme now. It's not for me to say how someone spends their money but I just can't help but wonder, how much debt these folks are in.

Today, I'm going to review my budget, my April spending, and balance my checking and savings account, then finish up my May book. That's my fun Memorial Day weekend.

Overwhelmingly Obessed with Finances

May 22nd, 2018 at 06:47 am

I realized that I'm super obsessed with my finances and where I think I should be. It's to the point where it has taken a toll on me.

Yes I've made some mistakes but so long as these mistakes are acknowledged and I'm taking the proper actions to correct, I'm not sure why I am obsessing over it.

I wake up, check my bank statements, read the DR blogs, over and over. This cannot be healthy.

As another blogger posted here, I need to focus on one thing and that is paying off CC5. Goal is to have it paid off by the end of July.

Other news, tonight I'll be having tacos for dinner. Pretty cheap and easy to make.

Tomorrow I start the new job, I was a little nervous but I'm super excited now. I think that I'm finally in the right place. I have my degree in Human Resources but my focus has been benefits, this position is a HR manager's role. It's for a not for profit about $3k more than my old employer, same distance. We will see but I'm definitely going in with a positive attitude.

Sunday Ramblings

May 20th, 2018 at 12:35 pm

I'd budgeted $90 for my hair this budget period. Yesterday, I washed and styled it myself, saving me $45. So $25 of this will go towards a graduation gift for a friend's kid and $20 back in the bank. If all goes well next week, I'll do the same, saving me a total $40.

Any one watch the Royal Wedding yesterday? I thought it was nice, not what I expected. Though I'm sure there was a nice penny spent, everything looked so simple. Goes to show, not everything has to be over the top.

My May book is "Rich Dad, Poor Dad" by Robert Kiyosaki, I saw a poster in one of the DR groups posts about it so I decided to read it. It's okay, an easy and quick read. I agree with some things and some I don't, that's pretty much with any book read, you'll always have some pros and cons. Like all the other books read this month, I can always take something away from it.

Later I'll be adding receipts, and balancing the check book. I'm just in chill mode right now.

Buyer a no go

January 6th, 2018 at 07:03 am

Well the buyer for the item I posted on OfferUp wanted me to reduce my price to $5 I said no so she canceled, said she wasn't feeling well.

I hate this selling and buying stuff.

I posted another item yesterday, a Polaroid zip mini printer, so we will see. I figured the items posted in the first quarter that does not sell I'll donate, with the exception electronics.

Feeling a little discouraged but I know that these things takes time

Sprint Refund Nightmare

January 3rd, 2018 at 06:04 pm

Went to Sprint to try and return these earbuds I received for Christmas and it was an utter nightmare. Every time I go, they tell me that they do not have cash. This annoys the crap out of me because you only have 14 days to return. And if I was to miss this, then oh well.

The teller tells me she can issue a check but it has to be to someone who has a Sprint account and that person can give me back the money. What! You didn't ask for an account holder when the items were purchased.

I leave the store and call corporate and they're just as bad. The rep calls the store who tells her that I have to be back tomorrow at 3pm to get a refund. Excuse me I work. Long story short, I go to another store who issued a refund check that I should receive within 10 days. The only good thing about this, is that I was not charged the restock fee of $45. I told the SO to never purchase anything from Sprint for me again. Ugh. The refund is $213 and I'll be adding this amount to CC3.

Work news, I asked my boss today for a raise and told him I'd like to know by Friday. So I'm just waiting.

Came home and the SO gave me $100. When I asked what it is for he tells me that I should use it for what ever, so I'm adding this to CC3. I'm sure this is short lived but I'll take it.

His SO debit card was hit for $100, scam. Smh, this is the third person in the last few weeks that I know who have been hit by a thief.

Today was a friend's birthday. She wanted me to go bowling 🎳 and I'm like nope, goal is paying down my debt. This same friend is wanting every one to join her on a party 🎉 bus 🚌 for her birthday this weekend, cost $30. Nope, not doing this either. She'll be getting a regift of wine from me for her birthday costing me zip. This same friend complains that she needs to get a part time or another job paying her more money because she's broke. I told her what I was doing but hey it's up to her what she wants to do.

Lastly, I'm reading "Why You Need a Budget." It's pretty good. I know why I need a budget, but my goal is to read one financial book a month and quite frankly you can always learn something new about things you already know.

Roll Tide!

January 1st, 2018 at 08:10 pm

Well this is off topic, but I'm praying Alabama wins, this Florida girl loves the Tide.

Fingers crossed.

Happy New Year!

December 31st, 2017 at 08:41 pm

Happy New Year everyone! 🎆

Merry Christmas Everyone!

December 25th, 2017 at 05:20 am

Wishing my SA family a Merry Christmas 🎄

Messy Tenant

December 10th, 2017 at 03:08 pm

So we finally got the tenant out and my God, she left that place a mess.

Dirty diapers everywhere, bird food everywhere, dirty dishes, you name it, it was done.

We had thought she'd stole the air handler and filed a police report but thank God that was not the case. I have to now have the report amended. She did remove the thermostat and took all the closet doors as well as cut the house to the hot water heater. Unbelievable

In financial news, other than buying plywood today to secure the house I spent nothing. It's only five days this month that I actually didn't waste any money spending.

I had stop by Michael's because I've been wanting a Budget Happy Planner, they're so cute and well I just want one. When I entered the store the line was out the door, they did not have the planner I wanted and it wasn't in my budget. I almost bought the extension packet but thought a) you don't need this, b) you haven't budgeted for this plus your fun envelope is empty and c) your homemade planner is just fine. So needless to say I left the store without a thing.

I'll admit it was tough but I'm glad I did not purchase.

Side bar issues

December 2nd, 2017 at 03:54 am

Anyone else having issues with their side bars? I've updated three a number of times and the balance in CC3 is still incorrect .

Thanksgiving Meal Giveaway

November 19th, 2017 at 09:48 am

So glad we decided to donate Thanksgiving dinner this year.

When drop the food off it was clear that this young lady was need. Her son was so excited to see a bottle of soda and the pie. It reminded me of the small things we take for granted, like the ability to have a Coke every now and then.

The entire meal for the family was a little less than $25. Items purchased:
• turkey
• stuffing
• 2 liter Coke
• 2 liter Sprite
• canned corn (3)
• canned string beans (3)
• dinner rolls
• sweet potato pie
• rice

My heart was broken as I watched the 10 year old's face light up.

Miscellaneous stuff

November 15th, 2017 at 07:16 pm

Well today was pay day and a new budget. I transferred $2.98 from my envelopes to my change jar. I decided to keep what's left in the envelopes in their respective places. I haven't crunch the numbers but I had $10 in the transportation envelope; $65 in the grocery envelope; $6 in the recreation envelope, and the others I can't remember but I was happy with the grocery envelope. I'll definitely review these tomorrow.

So I paid out a nice chunk of change in CC debt today, over $700 😡. I under budgeted this line item by $0.70. The only good thing about this is that I've reached baby step 1 and will be adding an extra $100+ to CC2 debt, so next month this total should be down.

Well I'm heading to bed, tomorrow is a busy day.


November 12th, 2017 at 12:22 pm

Since I started the 3:10 challenge, tithing faithfully for three months and watching God work, I can say I experience a miracle today.

Woke up to head to church, and the tire was flat. No big deal, drove the fiancé truck with no a/c. Needless to say, miracle number one, it was a beautiful day. We rode with the windows down and enjoyed the nice cool breeze. I'm in Florida and we seldom experience such cool weather.

Miracle number two, well the fiancé pumped the tire up, drove it to the repair shop and low and behold the tire is perfectly fine. Strange, but I'll take that blessing.

Yesterday was a no spend day, first in I don't know how long. Today I spent $15. Not too happy with that, we bought grapes, chips (I could have done without), juice and a pack of chicken. I didn't realize that the extra 5% off on the grapes ended yesterday. I've figured out I cannot go to the store with the fiancé. Tonight or tomorrow evening I plan on having the budget conversation, but this is the week that it will be done. No need in putting things off.

I'm on a budget and sticking to it

November 5th, 2017 at 08:59 am

Went to Target to pick up a few items (Coke, bacon, orange juice, and grapes).

The grapes I usually eat as a snack vs chips but they weren't on sale, so I left them. The bacon I have a slice for breakfast and there was a 5% off. I also have orange juice on the weekends with breakfast, this tend to last a while but I could not find the Target brand in our store that had the 5%. The fiancé insisted that we go ahead and pick up, I hate shopping with him. And the Coke, I pack for lunch. I have one can a day, this is down from about 2-3. I really need to work on this, by drinking more water.

So we make it to the check out and I start to separate my items from the fiancé's and he becomes annoyed and decided to pay for everything. I say to him, I'm okay with that and I'm on a strict budget. Once we get into the car I say to him that he really needs to get onboard with me or things aren't going to work. I made a list and let's stick to it. He always heads in the store and picks up items that A) we don't need and b) unhealthy and expensive. I realize that I may be the issue as well. I try my best not to mention budget but when I go into the store, I'm paying with what's been budgeted and applied to my envelopes, I don't need him picking up $24 bags of candy, $4 cookies etc.

As with DW and Monkey Momma today's dinner is based on what we already have in the pantry. I'm using what we have first. I'm so excited about the journey that I'm on and it's draining when you love someone who you know have the potential to be great, and not struggle and opts not to even try.

Saturday Happenings

November 4th, 2017 at 03:25 pm

Crazy day today.

Rolled a total of $39 in change, adding this to the EF (baby step 1) for a total now of $513.33.

We needed paper towels for the house so I ordered online through iBotta for the 20% cash back, which ended up saving me even more. Wal*Mart provided an extra $1.12 discount for in store pick up. Amazingly the process was pretty easy and quick. I think when I need household items such as garbage bags and cleaning supplies, I'll go this route.

While in Wal*Mart I almost bought waffles but as DW mentioned in another one of my posts, this is not needed, we have bread so I can make toast in the mornings.

Went to Target to get the tissue, I know DW spoke against this but I need it for the job. Sometimes I have to blow my nose and it tends to last awhile. Good thing about this trip to Target I only picked up what I needed and that was one box of tissue. I also took advantage of the $0.05 for brining your own bag, this saved me on the taxes.

Went to the salon, I go only twice a month vs the four times now. This is something I will not cut out and it's okay. I've managed to cut back on the number of times I go, I relax and color my own hair. By doing this, it has really saved me big bucks. By cutting just a few things vs not depriving myself totally, I think it helps me to stay focus and not crashing. I have cut out the pedicures completely, opting for home pedicures.

Throw Pillow Alert

October 28th, 2017 at 04:13 pm

I have always wanted to learn to sew. I'm still teaching myself but I think I am mastering the envelope throw pillow. Made this little doozy for a colleague whose favorite color is blue and she's leaving.

We decided to buy blue items and put in a basket as her going away. Basically we're going to be blue without her, is our theme.

In financial news, I went to Wal*Mart, I needed some breakfast food. I noticed that iBotta had $0.50 rebate on waffles plus $0.25, for a store receipt. So I bought the waffles for $2.38, earning my $0.75 in rebates, over all cost of the waffles was $1.63, not bad.

Mom gave me an 18-count of eggs so that saved me a few dollars. Tomorrow is my Target run, I'll return the coupon book and hopefully get some great deals on meat. Last week nothing was marked down and I'm running low on meat. I'll try a few meatless meals if there aren't any deals. Thanks for the suggestion SA.

On a different note, I realized that the external drive I have plugged into the computer is the culprit as to why I am having computer problems 💻. Now I know that once I back my files up, I have to unplug it.

My old boss is still rude. She came into the office and I said good morning twice and of course she didn't speak. I told my new manager and all he could say was, "she lacks management skills." For two weeks she's had a colleague in tears and no one in upper management or employee relations has addressed the issue. I've applied for a payroll position in the company, hopefully I get it and get from under her wrath.

Eye Opener

October 22nd, 2017 at 06:50 pm

Today's Target run, wasn't too great. We got two pounds of 96% fat free ground beef for about $8. I only buy meat that's on sale with coupons. I was somewhat disappointed but hey, something is better than nothing.

I also ended up picking up a coupon expandable organizer for $7.99 to use as my cash spending envelopes. I think this will be better than the actual envelopes I use. I'm always looking for the right envelope to take the cash out of, sometimes I take from the wrong envelope, and so on. So this may help in the budgeting area. Hmmm as I'm typing this blog, I realize that the Dollar Tree, dollar store, may have the item for a $1, if that's the case I'll take the other one back.

After Lucky Robin's eye opener about my pedi, I decided to revamp my budget. First I'm taking 10% off the top for my tithes at church. I will add to the EF for baby step 1 and then the remainder towards everything else.

Follow up.
Well I wrote the first few paragraphs earlier, so here is what happened since then.

I found the coupon book at Dollar Tree, I'll use for a few weeks before taking the other back to make sure it holds up.

I have updated my zero balance budget, putting my tithes first and then the EF. I had to cut my pocket/recreation funds but I'm okay with that. I'm loving this zero balance budgeting, the envelope system really works.

Thanks for holding me accountable everyone as I take this journey to financial peace.

Pedi Nightmare

October 21st, 2017 at 10:03 am

Computer back up, yay. I'm going to back everything up. I usually backup any way but I'd rather be safe than sorry.

I estimated $60 at the salon and that's exactly what I spent. Saving about $30 by simply doing some things at home.

I decided to try a cosmetology school for a pedicure. It's $10 vs $20 not including a tip if I'd gone to a normal salon.

So I go to the school, walk in a thought this place doesn't look that great. Needless to say I sat in the pedi chair, and the young woman came out with a foot spa. I'm okay with the foot spa but the fact it wasn't clean (appeared not to be), through me for a loop. Then she came out with the pedi kit that didn't look clean as well. I'm thinking hmmmm. Finally what did it for me was the dirty towel she had. I took my feet out of the spa, grabbed my purse, gave her $2 for her troubles and left. I'd rather pay the $20 for a pedi than $10 and an infection.
So I ended up spending $24 on a pedi. I'll stick to the places I know of.

Just another Saturday

October 14th, 2017 at 05:45 pm

Budgeted $80 for my hair but it should have been $90, so I decided not to go this week and will go next week only spending $45.

Today was a crazy day, yet slow day. I had a sorority meeting that I just didn't feel like going to so I stayed home.

Secondly, did some shopping at Wal*Mart for a few items and a gift card for a baby shower. Would you believe they only had gift cards for restaurants? 🙄 So I had to go to another store.

I never did make it to the baby shower, and then the fiancé and I headed out to get wings.

I decided to wash my own hair, I was thinking I should had the $45 I would have paid today had I gone to the salon, to my pocket money envelope.

Now I'm just here, watching Alabama beat up on Arkansas. 😀

Numbers are in - first time budgeting

October 13th, 2017 at 06:18 pm

Last year I was really slacking with my finances. I wasn't balancing my accounts and Go Daddy charged me $180. Didn't catch the charge until about four months later. I thought, I had cancelled the service, but low and behold they charged me again. Ugh! Thank goodness I'm on top of things now, I jumped right on the phone and called them. Now I'm waiting for my refund.

Meantime this charged caused me to go over my limit on the CC incurring another fee😡. I'll be reaching out to BoA to get this taken care of first thing in the morning.

Some good news, I took a look at my spending habits for the last two weeks and I did pretty good for a first time budgeter (new word)lol.

The pluses (+) mean that I actually had money left over and I did not go over my budget.

The negatives (-) represents the amount I went over what was budgeted, so here we go.

Charity +$20
Groceries under budgeted by -$3.57
Savings balanced
Housing balanced
Utilities -$5.56
Personal +$40.85
Debt CC +$26.00
Insurance +$63.36
Medical +$35
Transportation balanced

I'd say I did pretty good as a first timer. I prefer the per pay period/zero budget vs by month, that seems to work for me and provide me a sense of accomplishment.

Another good note I received my Wal*Mart Saving Catcher credit and was able to get my nephew tablet for his birthday for free. Not bad.

End of the First Period of My First Budget

October 12th, 2017 at 05:54 pm

Received my $14.84 check from Ebates today, I'm adding this to the EF.

Well tomorrow starts a new pay date and a new budget. I'm so loving this budget thing. I can't believe I've never actually created a budget and stuck to it.

Just eyeballing the numbers, it appears as though, I have over budgeted a few items and have about $200 to play with. I can't actually add the extra to the EF but at least I have few funds to roll over since it's going to be a tough few weeks for me when it comes to money. Pay day is tomorrow, but following that the next paycheck won't be until the 31st 🙄.

For example, this last budget period, I budgeted $80 for transportation. I'm at little less than half a tank of gas right now and tomorrow's pay day. Due to the extra week in October this budget period, I had to add an extra $20 for gas. I spend, about $40 a week on gas 🤦🏾‍♀️🙄. So this applies to all other budgeted categories.

I can't wait to see how I did after the first two week's of budgeting. I'll be crunching the numbers Saturday.

$2.42 a gallon vs $2.44 a gallon

October 10th, 2017 at 07:33 pm

For some reason I'm annoyed.

So I had $20.76 left in my gas ⛽️ envelope. Went to Murphy's, gas there is $2.42 per gallon. All the lights were on at the station but when I tried to go inside, the doors was locked and the attendant stated they were close. I noticed that people were using their cards, but I vowed to not do that.

As I was leaving, I saw a gas ⛽️ truck and figured I'd come back after Bible study 📖, maybe they were low on gas. Who knows?

After Bible study I passed a Wawa, $2.42 a gallon. Went back to Murphy's because Wawa was too busy and of course the location (Murphy's) was still closed. I headed north to a Wawa closer to my house, gas there was $2.44 per gallon. Two cents more, but why am I so mad about it? It's only two cents, but I'm ticked off all the same.

In other financial news, I'm on track with my two week budget and am preparing for the next three weeks, since pay day is on the 31st.

As you all know, I do my Target runs on Sundays and create my meal plans based on the meat 🍖 I get. This week we had chicken breast wrapped in bacon 🥓 . OMG 😲 it was delicious 😋. Tonight I made hamburgers and tomorrow I'll make something with the chicken breast we have. This passed Sunday, there weren't much mark downs, I hope🤞🏾 this coming Sunday there is.

Slow day and I Love It!

October 7th, 2017 at 11:42 am

Today has been super slow, and I love it.

It is the first time in months that I did not have to run an errand, attend an event etc.

I had plans to wash my hair, sew a few pillow cases, do laundry and review my finances but all I did was sleep. Now I'm up, watching a little TV 📺 reading blogs and surfing the internet. I just don't want to do a thing.

I think we are entitled to days such as this.

Poshmark, any advice?

October 7th, 2017 at 07:08 am

Signed up for Poshmark to sell a few items. Has anyone one used this app to sell or buy items?

I have a few, bebe jeans I can sell and a few pants I've never worn. I figured, I can sell a few items and use this money for baby step 1.

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