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Our home was broken into

January 23rd, 2016 at 02:47 am

So our home was broken into today. Though I'm thankful that no one was hurt and not much was stolen, it still annoys me.

The day started out here raining cats and dogs, heading to work I had my lunch bag, purse and breakfast in hand. Something said to me, lock gate, in my rush I thought I did but didn't check. That was around 8:07 am.

Around 1:30 the boyfriend called to say, the house was broken into and you need to come home.

Low and behold the glass slider was smashed ($275).
Thank God, all the TVs, tablets, digital camera and computer was still in place. The jerk stole every piece of jewelry I had, four of my watches, and the change I've been putting off cashing in. He stole my BF change, his watch I just bought him for Christmas. What bothers me the most, is that the change that was my BF was in his dad's canister, he just want the canister back since his dad is no longer with us. Fir me, my pandora bracelet is missing. It's five years of collecting charms of our story. Though the bracelet is valued over a $1000 it's sentimental value is worth more.

The jerk cut himself breaking in so the officer has his DNA and the neighbors have him on their surveillance camera. The officer said he knew who he was, so hopefully he'll be arrested.

That was my day in a nutshell


Too much Facebook

January 21st, 2016 at 03:25 am

Well today was a day. I decided at 4:30 am that I will forgo Facebook for one week. I realize I spend way too much time surfing, reading and rereading the same posts. I almost went on during work and decided to delete the app.

I couldn't believe that I woke up this morning, grab my phone and the first thing I did was check Facebook. It's sad. I'll say it was tough, not wanting to see what everybody was doing but I got through the day.

Dad ask me to pay a bill for him, he gave me a $100 and told me to keep the change, about $34. I'm struggling with adding this to my challenge, I've done so good thus far adding all extra cash but I realized I have $294 left in my checking to last me until next Friday. Ugh. I'll play it by ear, I guess.

I also came home and made chili for dinner, this is my second time making it and I must say, it was delicious. The first time I made it, used the crockpot and it was so-so. This time, I used Morcormick chili mix, chopped onions, celery, green peeper, Worcestershire sauce, garlic powder and the rest of the items for chili. I couldn't believe how good it was, plus there's left overs for tomorrow.

That's it in a nutshell, nothing else to report.

3 Tricks to Living Well While Spending Less

July 14th, 2015 at 11:23 am

Found this article on Twitter and thought I would share


Broke but...

July 11th, 2015 at 10:41 am

I'm broke but all my bills are paid. I have about $200 to last until the next pay day that is the 22nd.

I'm proud of myself, any and every bill that was due from the 7th until the 22nd was paid. This last pay period I started my 401(k) contribution. I could only contribute 2%, wish I could do more but something is better than nothing. The funds chosen were two target funds 80% to the 2040 (my target date) and 20% to the 2035. I appreciate everyone's help with this as well, thank you. I'm still depositing (auto) $15 a week to my IRA account, I figured why stop. Once CC4 is paid off I can up it to $20.

On a different note, I had a phone interview yesterday. I'm super excited, please keep your fingers crossed and candles lit. The hiring manager wants to bring me in to meet with the team next week. What's great about this is, my boss is on vacation so I can leave early or come in late.

Side bar- Yesterday we had an incident at the office. A office manager did not show up to work. Her staff was nervous about it but too afraid to notify anyone because "they did not want to get her in trouble." Apparently her sister hadn't heard from her and called the cops who found her car at a bar. Long story short, she was missing for over 24 hours, found but things do not look good. I say to my boss who is the HR director, that this is a serious problem Andy That the company should be looking at its culture and speaking with staff to reassure them that if there is a concern, it's okay to speak with regionals, HR, exec team etc. Her response, " you are correct, apparently the staff is afraid of the regional, I'm not going to deal with this, let X deal with it he's the VP of Ops, this is a operations issue." All I could do was say, oh and think to myself, I have got to get out of here before the crap hits the fan and she tries to blame someone else for a mistake/stupidity she made.

Once before she held an employee's check, I informed her it was against the law to do so, a clear FLSA violation and she did it anyway. Another time she wanted staff to work a company picnic and not pay them. Unbelievable.

401(k) Help Please!

June 27th, 2015 at 12:58 pm

I've paid off 3 CCs and upped my contributions to my IRA. However, I recognize that this isn't enough and I want to start participating in my company's 401(k). Now the company doesn't match, but I'd like to contribute about 2-3%.

The problem is that I have no clue on which funds to pick. I think I'm aggressive a tad bit and want to see my funds grow quickly. I'm also conservative now with how I spend my money. So I guess I'm in the middle

Just wondering if you all can help me pick some funds? If so, that would be great. I've included a screen shot of the funds offered below.

Woman Wins $83 Million in Lawsuit Against Debt Collector

May 25th, 2015 at 12:33 pm

Read this article on the "Money Magazine" Twitter page and thought I would share, interesting .


Saving Advice Notifications

May 10th, 2015 at 04:23 pm

I noticed that if I comment on someone's blog, and there are follow-up comments, I do not receive the notifications. My email address, is noted to receive notifications.

I do not receive the notifications when comments are made on my blog, I use to but I'm not sure what happened. Can anyone help with this?
I did check my spam and nothing.

The Trip from H*%##

May 8th, 2015 at 10:48 pm

Well I finally made it to the Derby, and it was the trip from hell.

Normally the BF and I travel by ourselves, but for some strange reason we decided to travel with another couple, friends.

First, we got there the plane was delayed. Then we get lost and head into the wrong direction, we didnt make it to the hotel until 4am. Oops I failed to mention we asked our friends to rent their own car, we didn't push the issue but never again.

By 9am they were ready to get moving. With only one rental car, I'm annoyed. Keep in mind both me and the BF was up the day before at 4am, we both worked and didn't get in until 4 am, by time we settled it was 5:30 am. This is why you rent your own car. So we get moving at 12:30 but all the places I want to visit are closed due to the Derby. One place was willing to see us, we were about a hour and a half away but the friends stated we wouldn't make it. Normally the BF and I would have just went.

So we go ahead and head to the Oaks, I'm excited but the friend's husband decide to get into an altercation with a man who was hitting on his wife. Unbelievable. So now my BF is annoyed. We leave after the Oats.

Fast forward day of the Derby, we decide to leave at 12 but had to wait for friends about 30 minutes, again you should have your own car. Oops I didn't mention, my BF came down with a terrible cold or flu. We head out to the Derby, only to be stuck in traffic for over a hour. We then get ripped off by the taxi bike driver. We enter go place out wages and I'm ripped off by the teller.

We find a place to sit in the infield, big mistake, never again. Everything is going well but my BF is really sick. So my friends husband decide he wants to use racial epithets (the C word) now my BF is furious. Thank God I didn't hear him, because I know I would have said something. Long story short never again.

Now we return to the hotel and guess whose sick? Me.

That's it in a nutshell, mind you I kept somethings out.

I Need Your Help

May 6th, 2015 at 11:43 pm

Hello all!

It's National Mobility Month, and my friend Vaughn Mansfield is in need of your votes for a paraplegic van.

Please vote for him at


Survey Savvy

February 8th, 2015 at 06:26 am

Checked my Survey Savvy account and I had a balance of $13, so I decided to cash it in. Once received I'll add to my challenge. I only wish I could sign up against with Pinecone

Three things I'm thankful

July 18th, 2014 at 02:26 am

Well here are my three things that I'm grateful for:
• running water
• my back pain subsiding
• my dad's long time girlfriend, she really takes care of him

What am I Thankful for Today?

July 15th, 2014 at 02:59 am

Three things that I'm thankful for today are:

• My health
• God watching over me
• My job

Happy Fourth of July

July 5th, 2014 at 07:05 am

Hope everyone had a great fourth.

I can say I had a wonderful fourth until we were leaving the fire work display and some idiot decides to set off fireworks into a crowd and guess who got hit with one. Me, ugh.

I couldn't hear for about 2-5 seconds, that was the longest few seconds ever, not to mention I also had particles in my eyes. Ugh!

Made it home and was dizzy as heck, my equilibrium was thrown off. Only good thing was we live close, so I made it home safely very quickly, I didn't have any burns, and it could have been much worst.

All in all that was my fourth.

So much has happened

June 27th, 2014 at 10:06 pm

Its been a a long time, I hope everyone is well.

Here is what's been happening with me:

* August 2013 I received my masters degree
* October 2013 I was let go Frown
* October 2013 started a HR consulting firm (not doing too well)
*January 2014 I became PHR certified
* Thank goodness for the $20 challenge and the 52 week challenge, because I have been living off my savings every since I was let go. I did have to withdraw a little from my IRA as well Frown
*Found a job at Target in their HR department ($10.50/hr) three weeks ago, had to do what I had to do, no benefits but I do like the job
* Was offered a HR position with a growing company paying me a lot more and benefits on Tuesday, starting this coming Monday. I have no idea how I am going to break the news to Target
* Due to my lay off I wasn't able to make deposits for the 52 week challenge or my IRA and I have since started this back up Smile
* Credit cards are still low, I have managed not to rack up any charges on the cards that are paid off.

That's it in a nutshell, I am just thankful to be back working


February 7th, 2014 at 08:34 pm

Getting organized is essential to almost any and everything.

I would say that I have been lackadaisical with keeping up with my spending and my desk looked a mess.

So today I cleaned off my desk, purchased a few stack-able letter holders, pen/pencil holder, paper clip holder and a magazine holder. I also cleaned out a few files to shred some items and honestly, I feel great. Even though I am not done yet it really feels good.

I balanced my accounts Big Grin too

I now feel like I can get things done. I have an area so that when I receive a call regarding my business I can jot down things without having to run around looking for a pen and paper.

I completed the appeal form for the bank finally, I was charged $39 for three months for a service that I cancelled four months ago.

I also closed my BB&T account, the bank stated charging me $10.00 a month because I do not have direct deposit of $500 or more a month. This account was for miscellaneous items, such as shopping, vacation etc. No way was I going to pay $10.00 a month.

All in all it was a great day

I Passed

January 30th, 2014 at 03:01 am

I passed! I'm officially a certified professional in human resources(PHR). I've been studying for the PHR exam for weeks, finally took it and passed. This test is like a newly graduated lawyer passing the bar, , at least me any way. Big Grin

In the meantime I haven't been blogging but I've been keeping up with the 52 week challenge.
I started backwards and forward, so I'm on week 48 for saving and week 4 for paying down CC 3 Smile

Unfortunately I haven't found a job, I've been told at least 4x that I'm over qualified. However, I refuse not show my credentials on my resume, I worked too hard for it. I was told to remove my masters and change my position titles. Smh, before I was under qualified and a year later I'm over qualified.

Besides over qualified is an unprofessional term used by employers who really want to say, I'd like to hire you but refuse to pay you what you're worth. I'm cool with making less, if I wasn't I wouldn't apply.

The business is up and running, haven't gotten a client yet but I'm still in start up mode and have to remind myself that successful men and woman such as Bill Gates, Steve Jobs and Oprah all stumbled a few times before becoming successful. Patience.

I'll be rapping up this month's expenses and I spent a ton Frown I turned 40 this month and had a little get together at the house plus it was my turn to host this book club, that ended up being canceled the day before Frown so money wasted. No complaints though.

That's it in a nut shell, if you all have a moment, please review my revamped website and let me know what you think. Please make any suggestions, negative or positive, I've always valued your opinions.


Wine glass charms

January 9th, 2014 at 10:31 pm

It's my turn to host the monthly book lib meeting, and in doing so I realized I do not have enough items, like plates, glasses and placemats. Thank goodness I have been purchasing certain items throughout the year, last year preparing for this event.

Well I decided to do something different and made my very own wine glass charms. I made this far 40 charms, saving me a ton of money. Supplies cost me about $7 vs. the $10 it would cost for 4 charms.

Take a look.

Happy New Year and a n Update

January 2nd, 2014 at 01:57 am

Hello all!

Just wanted to wish everyone a Happy New Year and fill you all in.

This year I graduated with a Masters in Human Resource Management, I was let go in October Frown Right after that I started Kelly's HR Services and enough I haven't gotten my first client, things are moving along. I was able to keep up with the 52 week challenge until November, only because I was let go.

I've applied for a ton of jobs and have been told I am over qualified or haven't gotten a call back. Long story short this was a great year, I can't complain.

I paid off a few credit cards, and only have 3 left Smile hopefully I will land a job or a few clients.

nothing else to report, hope everyone's holiday season was a joyous one.

Catch up

September 15th, 2013 at 01:50 pm

Great news, did a little marketing and a gentleman I met with stated he has two small businesses he could refer me to.

Furthermore, I've decided to start my diet again. For every soda I drink, whether it is diet or not, I'm paying $5 on the CC. For every workout on the elliptical $3 is deposited to the $20 challenge and for every day missed $5 to the CC debt.

Also, I received an email that my diploma should be arriving shortly, I'm excited about that.

Well that's it in a nutshell.


September 7th, 2013 at 02:11 pm

Great day, opened my small business
checking account.
Things seem to be picking up very quickly. I met with another small business company with about 15,000 clients and the owner will be adding my logo and number to all his mailings which is about 500 a week.
Also brought on my trainer who will feature the business in her monthly newsletter. Next month I'll be a judge for the Miss Florida Teen USA and my company will be featured there as well.
I'm super excited.
Please like us on Facebook KHRServices

I'm back! Again ;)

August 25th, 2013 at 10:24 pm

Hi all!
I am officially back, if I'm not mistaken my last post was the start of my summer classes in May , which by the way was super tough.

In the midst of all that I manage to add a little funds to CC, I had previously paid off but it's under control and should be paid off again in September Smile

A lot has happened, first I graduated! Yay I'm so excited. I now have a masters degree, the first and only in my family. Was it tough? Absolutely. Am I glad I stuck it out? Yes
The day of graduation I received a $15,000 raise, sweet. Unfortunately the money now must be paid on student loans.

Also some more great news, I've started a Human Resource firm. Basically the company is geared toward small businesses. I'd like to the point of contact for these businesses as their human resource department but out sourced. I have my first company, a construction business started by the owner of the company I am currently employed. I'll be drafting up the contract Wednesday for her to sign. It's great for me because construction is a tad bit different with all the OSHA requirements so this will help with me gaining more experience and knowledge

Please like my page on Facebook if you can, and share a few of my posts. The goal is to hit 100 likes by the end of the month and get a little traffic on the page. Name of the company is KHRServices

Now that school is out of the way and I've started the new business I can start focusing on paying down the rest of my debt.

I have been keeping up with my 52 week challenge. Smile One thing though I have about $7000 in my savings which is about 6 months worth of expenses. I wonder if I should stop socking away the $25 a week and start paying that on the CC? Any thoughts on this?

Glad to be officially back and don't forget to like my new business ( and share) on Facebook


Wisdom tooth

March 18th, 2013 at 02:46 pm

Just had my wisdom tooth extracted for $275, thank goodness for Aflac.

I'm not feeling too good but I heard the procedure itself could be very painful, I consider myself lucky.

I start the new job next week, so I am trying to get get things done while I'm off. I'll be dropping my car off to the body shop to be repaired and then the the mechanic to take care of the motor mount issue and then she's all done.

Last day

March 16th, 2013 at 01:33 am

Yay! today was my last day. I start my new position as HR director on the 25th, I am truly excited Smile

Monday, I will have a wisdom tooth extracted and then I will place my car in the shop to be repaired/painted.

2013 has really started off to a great start. Four CC paid off plus a new job and next graduation with my Masters degree.

Taxes done!

March 2nd, 2013 at 08:22 pm

I finally completed my taxes, cost me $75, I should have used Turbo tax. Oh well

My tax return came out to a little over $3100 because I claimed head of the household other wards I would be owing.

So I'll be paying off my CC with the money.

We're back

January 28th, 2013 at 02:54 am

Hello all!

I have been on a little hiatus, we went to Little Rock, Arkansas for my birthday Smile

As you all know, one of my bucket list items is to hit all 50 states, so this year's trip was Arkansas. It was awesome, we went to Little Rock Central High School (site of the Little Rock 9), the Capitol building, the Old State building, Clinton Muesum, and Market Street. So much history, we loved it

From there, on our way back we stopped in Memphis, TN (2 states in 1 Smile ) and toured the Lorrain Hotel (Dr.King's last stop)

I can say while on our trip I was still able to add to my challenge and I also added to the 52 week challenge.

I'll add the totals thus far at a later date.

A lot to do

January 16th, 2013 at 01:40 pm

Prior to our trip to Arkansas I have a ton of things to do. First off for and eye exam, next oil change and tire rotation, then estimates on the car to be painted and last a ton of home work.

I'm excited about the trip overall it shouldn't be too expensive, hotel is about $120 rental car is less than $200, breakfast is at the hotel so all we have left is sight seeing and dinner.

I'm hoping to get away with spending $250 on this trip and BF will do the same.

I'm addicted...

January 16th, 2013 at 04:26 am

To Saving Advice. I am so glad we're back up and running, whew!
Never thought I would have been a tad bit upset you were down Smile

Having trouble with the blogs

January 15th, 2013 at 12:13 pm

It appears as though I can make an entry but cannot read any of the blogs not even my own, anyone else having trouble?

Having trouble with the blogs

January 15th, 2013 at 12:13 pm

It appears as though I can make an entry but cannot read any of the blogs not even my own, anyone else having trouble?

2013 Goals

January 1st, 2013 at 01:44 pm

Happy New Year everyone!

Well it is day one of the new year. So I have decided to list my goals.

1. Pay off CCs 1, 2, 3 and 4
2. Save $2000
3. Visit any state and tour
4. Get all As this semester
5. Purchase the villa I'm currently living in
6. Graduate with my Master's in Human Resource Management
7. Land a much better job
8. Do a little bit more networking and community activities
9. Cancel gym membership by 2/15, if we are not consistant

I think that's it. I made these so simple but doable

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