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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

Happy Thanksgiving

November 22nd, 2012 at 11:16 pm

Hope everyone is enjoying their day.

Today, I simply stayed home and prepared a very small meal. Just not in the mood to go anywhere.

Mom called out of the blue and invited me over, very surprising (we haven't spoke in almost a year). So I went by for a few minutes.

I have a lot to be thankful for that is for sure.

Enjoy the rest of your day everyone.

Super busy

October 23rd, 2012 at 01:25 am

Hi all!

Since my last post, I have started grad school and it is challenging yet rewarding. I started in August and will be graduating in August of 2013.

For the last few months I have stuck to my goal of socking away 4% of my take home pay to my IRA and EF Wink

However on a different note, I wrecked my car in a parking garage ( hit a pole) and it will cost $950 just to paint one side but I'm going to get additional qoutes that seems a bit high for me.

Also I'm still looking for a better paying job

Still not speaking to my mom and the back pain has not subsided.
I called the ortho to schedule a MRI

That's it in a nutshell for me.


April 14th, 2012 at 11:08 am

$256.85 is the amount I owe on my car, thank God. But I won't be able to pay it off this month as planned because I need a new bed Frown
I'll be financing a bed today because I do not want to take the money out of my EF. You see, what I have saved is enough to cover two months rent in case something happens. My goal is to have at least 6-8 months worth of expenses saved.

Here is the plan, finance a bed at Badcock for $800, sell the bed we currently have for $500 and use that money towards the payments of the new bed.

So if all goes well I can have the purchase of the new bed paid off by next month with very little interest.

On a different note, yesterday was pay day and I wasn't able to save anything Frown but at least I have about $300 in disposable funds until next pay day and if call goes well, I should be able to sock half of it away

Next week is my Mother's birthday and I thought about calling her but to be honest I really don't want to, and honestly I probably won't

That's it in a nut shell

Back pain

April 6th, 2012 at 01:51 am

OMG! Who would have thought a bed could cause so much pain. Okay we moved into the new place and was left everything, dining room table, sofa, TVs, a bed etc.
Anyhow since we moved in I have been having back pain. At first I thought because we have been moving things. Well long story short and $400 dollars later, I realized it is the bed.
My copayment for each doctor visit is $50, and now therapy is $50 a visit twice a week. Yikes!

Well I thought could it be the bed? So I slept on the couch and realized I felt better. I ended up buying a topper for $79 and it helped but I was still somewhat sore. So the bf bought a piece of plywood and I almost died. So I ended up back on the couch.

Now the plywood is gone so we will see how tonight goes, but I have never experienced such pain.
Lesson learned, not everything given to you is the best, and choose your beds wisely or you'll end up spending an arm and a leg.
Fingers crossed that the topper does it and we don't have to buy a bed

What would you do?

April 1st, 2012 at 12:58 pm

Okay I am a little torn. I can either pay my car off this month or pay off 1 CC or pay another CC almost half way down.
Now of course the CC interest is a lot more than the car but atleast the car would be paid off

Just wondering what you guys would do?


March 12th, 2012 at 04:59 pm

Whew! I received an email from BCBS that my gift card has been shipped. Now I can use that money to pay my cell phone bill if I receive in time along with my Internet bill.

Hopefully, I will have it by the end of the week

Where is my gift card?

March 8th, 2012 at 10:12 pm

Okay we are going into month number 3 and I have not received my $200 from BCBS. Well I called them and was advised that there was a delay and the gift cards will be mailed on the 23rd.
Well I'll give it a few days after that and if not received I will call them again. This is crazy

Got the keys

February 11th, 2012 at 10:29 pm

Okay I picked up the keys today to the new place. I must admit I'm really nervouse. But I've cleaned the master bedroom and bath, wiped down the kitchen counters and cabinets, swept and moped the guest bedroom. I've put away the culinary and made the bed in the master bed room, so when I move in ally I gave to do us shower and get into bed Smile

Tomorrow I will take all my shoes and clothing hanging in the closet, as well as my purses, and belts. Since we are expecting a cold front I'm going to hold off on the sweaters.

I'm really glad we got the keys early it makes the move do much easier.

I plan in having my BF brother-in-law who is a pastor come by and bless the home before we move in.

So that's it in a nutshell.

Taxes complete

February 7th, 2012 at 03:17 pm

Just hit the send button for my taxes which will be received in perfect time. The money I socked away for a rainy day will be used towards moving but yet replaced with my taxes. I felt sad that I'll be spending the money towards moving but happy it will be replaced.

Please say a prayer and keep your fingers crossed, BF did an estimate for a job of about $2000, the gentleman stated he needed to discuss it with his wife. I figured if he got the money we could pay the rent up for two months.

Now I'm just in wait mode.


February 7th, 2012 at 01:03 am

I called BCBS to check the status on my $200 gift card and was told I should receive between this week and next week. Apparently, the GC will be going out this week, whew. I was planning on using the money to buy a living set, but I'll pay my cell phone bill and the cable bill and place the money saved into my EF account.
Furniture at this time is not a must.

Now I'm just waiting on ING to issue a refund for the check I trashed.

We got in

February 7th, 2012 at 12:51 am

We met with HOA today and was approved to move in, so it's officially I will be out of here on March 1st.

I must admit I am a little nervous, but with the grace of God I'm sure everything will be okay.

I plan on looking for a part time job, maybe one or two days a week but we'll see


February 5th, 2012 at 12:03 pm

Today is going to be a busy Sunday. First I'm heading to the storage and will clean out two boxes. Next, I plan on making it to spin class, then I will wash and vacuum my car, do my laundry at the same time, review my January spending, watch the Heat game and finally head to Duffy's for the Super Bowl. Whew, I'm tired from simply typing all this. Lol

Hopefully I will complete everything on my agenda, happy Sunday

Happy New Year!

January 1st, 2012 at 02:35 pm

Just wanted to wish my extended family ( You Smile ) a Happy New Year! Let's make this the best financial year ever.

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