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October 27th, 2017 at 07:08 pm

There was a time when I'd buy something and be done with it. No shopping around or comparing prices. I think the only time I'd do this is if it was an item such as a tv or laptop. Now I find myself always trying to get the best deal.

It's time for me to renew my contacts, Target only carries the 90-day supply for about $60 in the store and $84 online, smh. Walmart has the 30-day, for about $35. I decided to check out Walgreens and theirs is on sale with a coupon code for $60. The good thing is I can order from the comfort of my home and have delivered vs going into the store such as Target, waiting and ordering for essentially the same price. Not to mention picking up other items I don't need.

I took a look at the numbers, I'm doing pretty good with out spending. This month was a killer with birthdays, weddings and going aways 🙄🤦🏾‍♀️ but for the most part, I'm still wishing my budget (most lines items any). I have about $145 left in my cash envelopes, that's good because next pay period is a really tight budget. I'm thinking about moving some things around such as the contacts, and ordering a 30-day supply from Walmart while allocating the extra $30 not spent for a few household items I need. It sucks because the 90-day comes out to about $20 a box. Decisions.

We received a call from a friend, she's planning a couples retreat and want us to tag along. I initially said tell me when and the cost. After hanging up with her, I'm more like even though it's something we budget for, I'd rather see that money spent on debt. Especially after I've reviewed my CC debt, what I've paid in minim payments and interest thus far😡. So I'll let them know we're not interested.

I'm looking forward to my sixth week of zero balance budgeting. I'm so glad that I've been sticking with it. This last go around was tough but I got through it. Funny thing is, I'll have an extra $33 dollars left in the bank that I can transfer to my EF as a part of baby step 1. Last week I thought it was $55+ now I realized it's about $85 total 😀. One thing is true, when you're an obedient server of God, He will always bless you with your needs. Something told me to sign up for this Dave Ramsey's class and I did. I also decided to stick to the plan and now I have over $200 left from a previous check, and all bills paid, it feels great!


December 29th, 2016 at 06:03 pm

Today was the day that I was to enter in my end of year receipts and update my financial registers so that I'm ready for 2017, and yet I've been stuck in the bed with the cold/flu. This really sucks, I wanted this completed before Saturday. Hopefully; tomorrow will be a better day.

I used a few home remedies such as Vicks and cerasee tea, I no longer have the sore throat but I can't stop my nose from running. Needless to say I feel a little better but I hope I'm able to complete some things tomorrow.

Oral surgeon

March 27th, 2013 at 06:03 pm

Saw the oral surgeon today and was told I had a dry socket, that's what was causing the pain. So he packed it with something and I'm suppose to go back tomorrow. Feeling a little better.

He also told me he may have hit a nerve, that's where the numbness and the feeling of swelling is coming from in my tongue. The good thing is I have some tingling and haven't lost my taste buds so in a few months I should be fine.

Prior to my visit I had already researched the tongue situation and this is very common, the only problem is healing can take anywhere from 6 months to two years.

I've been in so much pain I haven't been keeping up with anything, hope I feel better by the weekend.

Oral surgeon

March 27th, 2013 at 06:03 pm

Saw the oral surgeon today and was told I had a dry socket, that's what was causing the pain. So he packed it with something and I'm suppose to go back tomorrow. Feeling a little better.

He also told me he may have hit a nerve, that's where the numbness and the feeling of swelling is coming from in my tongue. The good thing is I have some tingling and haven't lost my taste buds so in a few months I should be fine.

Prior to my visit I had already researched the tongue situation and this is very common, the only problem is healing can take anywhere from 6 months to two years.

I've been in so much pain I haven't been keeping up with anything, hope I feel better by the weekend.

Maybe I should not have

March 24th, 2013 at 02:26 pm

Okay before I start my new job tomorrow I took a week off to have my car repaired and my wisdom tooth extracted.

Now I'm thinking I should have left the tooth alone. It wasn't really bothering but when ever the temperature dropped I felt a slight discomfort. Long story short I'm still in pain and swollen. The pain has decreased someone, no need for a pain pill, but the swelling is driving me crazy. Tomorrow would make one week and I'm scheduled to start work. Ugh! How long should this last?

Calling the oral surgeon tomorrow

Trying to keep up

November 29th, 2012 at 05:16 pm

Who said eating healthy while making lifestyle changes would be easy?

I saw the doctor a few months back and he advised me I was borderline for high cholesterol, not to mention all the back problems I've been having.

So I decided to change my eating habits and workout more, I must say I have seen some improvements.

Today I worked out using my weighted hula hoops as well as hitting the gym which allowed me to add $2 to my challenge.

Furthermore, I did not eat out so $6 was added as well.

Lastly , today was a no spend day Smile so another dollar was added.

All in all I saved $9 today, $6 of it went towards debt (CC1)

Tomorrow is payday and I have $57 left in my "what ever I want to do account." This time around I can't add it to debt or any to my IRA because the BF is short this month for his portion of the bills. I may as well hold on to it vs. transferring money from the EF later.

Well that's it in a nutshell.

Feeling terrible

November 26th, 2012 at 03:39 pm

I thought I was over this cold/flu but it looks like I wrong. It came back with vengeance.

I feel absolutely terrible, weak, stuffy etc. you name it I have it.

On a different note, I had breakfast and lunch at home so I was able to add $4 to my challenge (CC1 debt). If I have dinner at home I'll add another $2

MRI Results

November 18th, 2012 at 08:37 pm

Received the results from my MRI and it was negative. The doctor stated sometimes it is mechanical pain( ligament) and that maybe pain management physician could help.

I decided to continue with my home excercises and a TENS unit that seems to be helping. I believe I found the culprit, that is my job

My job requires a lot of driving for long periods,lifting, pulling etc. I am a volunteer coordinator. Up until last Thursday I was feeling better but when I loaded my car up the pain flared up again. So I'm in th process of looking for another job.

On a different note I'm back at it, living frugally. I told the BF and hopefully he will be on board, he says he is but we will have to see.

Wow where does the weekend go?

January 8th, 2012 at 02:04 pm

Friday night I was drained , I hit Wal*Mart up for a few personal items, came home and crashed. Yesterday, I went to the dentist spent $100, which I will get back from my FSA, got 1 set motor mounts installed ($25.00), cleaned my pool, and then date night with th BF to the Improv, which was a disaster.
Regarding the Improv, I personally did not want to go but I must admit that it was a nice outing at first . There were three couples, usually when I go out with other couples the bill is split amongst the couples. Well the bill came and I made the comment to my BF to simply split the bill, long story short he was upset because the bill was $191 and he paid $80 which was more than the three way split. But what frustrated me was he was trying to blame me. Huh? First of all I did not want to go. Second of all if you didn't want to split the bill you ask for a seperate bill, secondly if you had split it three ways it would have been $63 or you could have simply paid for us which came to about $50 with tip. If you can't open your mouth then I feel like you wanted to spend the $80. His reasoning for spending the $80, well his cousin gave $80 so he did which left the couple who ate the most with a $31 bill and if I'm not mistaken their bill was about $80+
Moving a long, just needed to vent. Today I went to spin class which was awesome! I bought a gel seat for the bike and felt so much better, I cleaned my room which was a must, washed and colored my hair ($35 saved) and now I'm getting ready to fill my car up and vacuum the inside. That will be it for me.
Wednesday we leave for our trip to Alabama Smile and I made it clear I'll pay for the room, BF will pay for the rental car.

New Year

December 30th, 2011 at 09:12 pm

As the new year approach us, I haven't really thought about what I'd like to accomplish for the new year, but here it goes.

-Pay off auto loan (Balance $1700)
-Pay off 3 CCs (Balance $3500)
-Move (I really want to be in my own place by the end of the year)
- Save an additional $1000 (EF)

I think if I keep my goals at a minimum, it will be less stressful and much easier for me to accomplish. Yes, I have more CC debt than listed but getting rid of the first three earlier in the year will make it much easier to pay off the others.

Moving forward, the Heat won tonight so $1 was added to my challenge/EF. In addition, I had lunch, breakfast and dinner at home so $6 was paid towards my challenge/cc debt.

Lastly, I purchased some really nice Gucci frames today. I always wanted really nice glasses. Anyway, I had about $306 in my Eflex account and my new glasses cost $305. I actually make no contributions to my Eflex, all funds were supplied by my employer so my glasses cost me zero dollars Smile

BCBS Rewards

November 25th, 2011 at 06:01 pm

I completed my BCBS PHA survey and blood screening, all at no cost to me so I will be receiving two $50 gift cards Smile We are planning a trip in January so the money will be used for our trip. I have two more surveys to complete which will give me two $50 gift cards bringing my total to $200 yay!

Nothing like free money


May 6th, 2009 at 06:39 pm

Today was suppose to be a NSD but I just remembered I should make a payment to the dentist so I left C a message on their voice mail to charge my cc $25, actually this will be charged tomorrow so literally this is still a NSD

Offered a job

April 6th, 2009 at 06:55 pm

I was offered a job today and had to turn it down, had she called me last week I would have accepted. But I have since registered for school, found an internship and committed to it. Some times I second guess my decisions but this one I had no problem with and I do believe that it is God's will and I have made the right decision. I also got my unemployment check today to I transferred next month's car payment to my EF
Oh and my biopsy came back with very mild dysplasia nothing to worry about so I follow up with the doc in 6months
All in all I feel really good and excited about school

Today was a big day

March 5th, 2009 at 05:40 pm

Well I got most of my to do list done:
Grocery shopping----
Traffic ticket---done
Buy lotto for work----

Only reason why I didn't go to the library to study, the gym and the grocery store is because on Thursdays I give my sister a ride home and on my way back the gym , library and the grocery store are on the same route so I figured I'll save gas and make the trip when I picked her up. Well of course at 5:30 the time that I should pick her up, she called to say there was no need for me to. I was so ticked off because my dentist and doctor are in the same area and my plans were to go after I left the doctor's but because I was cutting it close (as usual the doctor had me waiting) I decided to go home (across town) so that I can pick her up on time and missed my opportunity to do the things that I needed to do

And spending, wow I spent a lot. I anticipated that my crown for the implant would be about $400 close to the last one...nope try $1300. So I used the cc to pay half and won't be going back for the crown until I have the money for the other half. It's my own fault because I should have asked and not make any assumptions.
$25 for gas
$35 MD this went up $5
$650 Dentist


December 20th, 2008 at 08:44 am

When ever I go to the dentist it always cost me an arm and a leg, today was $150 but I am too upset to go into details. Any how I went to Penney's and got 1 Christmas gift for $2.28 I love those Penney's coupons. Next hit the gym so $2 applied to the cc

No spend day

August 24th, 2008 at 08:02 am

I have had two no spends days (Saturday and Sunday) I have stayed in all weekend not even moving my car Smile
Today I did laundry so $3 will be added to my EF (goal is now to get to $2000) because I line dried 3 loads. In addition, my co-worker on Friday gave me a gift card for Sweet Tomatoes ($10) so I added this to my EF as well.
New total $1554.05
On a different note, I finally got my bridge in on Thursday which cost me another $450. I wasn't expecting this I thought when I paid the dentist $800 the last time that, that was it but I guess not. So $450 was deducted from my EF
So far this year I have spent $3270 on dental work and I have not even started the implant as of yet

Not to good

August 10th, 2008 at 05:53 pm

I had planned on hitting the beach early but my plans got all screwed up. The dentist called stated she would see me at 11:15am but when I called back to confirm no answer. So I stuck around for awhile and still no response, her husband called and stated he would meet me if she did not respond. So on my way to Blockbuster's(after no response) to return a movie for my uncle she calls but guess what she did not have a key to the office...hmmm
Anyhow to make a long story short I have to lose an hour from work tomorrow to go to the dentist. I can't understand why this temporary keeps coming off, I don't even eat on that side.
Anyhow I finally made it to the beach only to be there for 30 minutes and have the skies to open up. Then I could not close my beach chair, can you stand it? So now I am carrying all this stuff in this thunder storm along with an open chair that I had trouble getting into my car


August 9th, 2008 at 08:30 am

I am very nervous, I am having all this dental work done and my bridge is costing me about $2500. It has fallen out three times all on a weekend. Now I know this is a temporary but I have had work done in the past and the temps never fall out. A call was placed to the dentist and if I dont hear from them by noon, I'll call the emergency number. No way am I going all weekend with missing teeth

Busy day

June 21st, 2008 at 10:20 am

Went to the dentist and he recemented the temporary bridge with some packing as well. Then I went to my sister's to help them move some stuff and now I am home relaxing.
I am tired, I wanted to go to the beach but changed my mind
Nothing else to report

Here we go again

June 21st, 2008 at 12:19 am

Ok I am laying down watching TV and I hear click/pop. Remember the $1250 (total when completed will be $2500) that I spent on my bridge? Well the bridge fell out arrrrrrrrrgh. Thank God it is not broken and I am going to the dentist in the morning and I better not be charged because I told him on Thursday that it felt like a suction when I ate and he was to put in some type of a packing on Saturday which he should have done anyway. I am sure the pulling I was experiencing contributed to it coming out
On a different note, I am sure I have complained about my mom and money before. If you have a nickel she wants half and it drives me crazy. I received $43.91 yesterday from the phone company and my mom and her friend was here when I opened the mail and what does she say to me "you better give me that check" I was so PO'd I simply responded this is gas for my car. I hate when she does things like that it drives me crazy and a another bad habit that she has is constantly eating my lunch or dinner; not because she is hungry which wouldnt bother me but just because. I can have a half of a sandwich left from lunch that I am having for dinner and starving and shell just finish her dinner and still want half of that. It drives me nuts, I finally said something like I would like to eat in peace some times and now she sits and stares at me while I am at the table. I hate the begging of it, especially since she doesnt need to. I know it may seem selfish but it drives me crazy and she is getting worst or maybe I am because now at times (a lot lately) I would simply stay in my car and eat or go by my dads
Speaking of dad I filled out his stimulus paper work with the wrong SSN (first 3 digits) I hope it doesnt screw up his chances for a refund
In regards to my sister my nephew said he thought she went to the hair salon yesterday. WHAT! You are in the process of losing your house and you are at the hairdressers? Unbelievable. My nephew wasnt sure but I am almost positive she was. I gave her a $100 yesterday because I had some things in her garage that she took to the storage and I am sure she used this for her trip to the salon, unbelievable
But in the end I added the $43.91 t my challenge


June 10th, 2008 at 05:17 pm

Ok I went to the dentist today and it cost me $150 for the extraction which I thought was including when I paid half the money for the bridge ($1250) any how I have the temporay bidge in and it will be in for a while. I can't afford this. I have paid so much money thus far on my teeth it is crazy. I have depleted my savings and now I am taking money from my house fund to pay off the CC in which I charged my dental work and my new laptop. Thank God I get paid Thursday from my part time job, which I may not have because now the boss wants me to call her which never is a good thing. I have no idea what is going on but I will soon find out

Weekly deposit

June 1st, 2008 at 02:24 pm

Added my weekly deposit of $25 to the challenge, so my new total is $5876.51. I also went to Macy's today to pay a $20.21 CC bill. Thank goodness I caught it because I would have ben hit with a late fee after today. I never use this card (I guess I did) I usually use the BoA CC because I get points. Maybe I pulled this one out by mistake.
Oh I forgot to post the other day I went to the dentist and the tooth that was extraced is healing nicely, but the tooth that I needed a bridge on fell out. All I could do was laugh, at least I was at the dentist. So I use the CC and paid half for the bridge which is more than the implant ($1250 charged on the CC)
This was a short pay period week but the next time around I'll pay half on the CC since I added the new laptop as well

What a week

May 31st, 2008 at 09:08 am

First my co-worker comes up to me and ask if I would like to order lunch and I assume he is paying since he owes me $10. Anyhow we order and guess what? I paid $10 for my lunch. I actually paid about $2 more than I should have because he did not have enough arrrrrrrrrrrgh. I was so upset, because I had packed my lunch and now I was short $10 for my monthly budget for dining out, plus it wasn't that great.
Next my computer finally gave out so I bought a new one for $900 returned it for a cheaper one which I really don't care for but it saved me about $300 and it gets the job done. But now my file for MS Money which I backed up on my new hard drive won't open so I will have to re-add all the data on this computer. At least my school stuff was saved and uploaded
Next I go to the dentist and the extraction is healing very well (getting an implant) But when I went to get the impression for my bridge on the other tooth (which I was having problems with, that is why I switch dentist) the tooth fell out. Arrrrrrrrrrrrrgh. It's been one thing after another.
On a different note, I saw on freecycle that a perfectly good washer and dryer was being given away so I responded, hope I am the first. I am starting to look for things that I will need for my new house.
I havent bought breakfast for the last two days so $2 went to my challenge and $2 went to the EF
New total for the challenge: $5837.22

It's out

May 23rd, 2008 at 06:59 am

Finally this tooth that has been giving me trouble was extracted today and I did not feel a thing. But now I have a canker sore on my tongue...it's never ending. After researching it says that they can be triggered from Motrin (which I was taking for the pain) and stress, of course I have been with this tooth
But all in all it says to allow a few days for it to heal itself

Finally getting rid of this tooth

May 20th, 2008 at 10:05 am

Well I went to the oral surgeon and he will extract and place some packing in for the implant on Friday, today was a no charge thank goodness. I must say since I have been icing this tooth and started a different antibiotic I am feeling much better; so I am going to try and go in tomorrow, hopefully I will as good as I am feeling now. It is going to cost me $410 so I went ahead and paid it that way Friday I am in and out
Thank goodness for my EF because Murphy has been bugging me lately

Still in pain

May 19th, 2008 at 03:50 pm

Went to the periodonist today who said I have a fracture and the tooth must be removed, so off to the oral surgeon. I experience the worst pain today and have been icing it all day, now I see how people get addicted to pain meds, I had to stop myself today. What a terrible feeling. I tried to work a little today and the pain,OMG. I found myself being rude to patients
Now I am starving


May 17th, 2008 at 08:16 pm

I finally built up the courage to apply for the $50k grant for first time home owners, well printing out the paper work and filling it out. It is just a matter of turning it in on Tuesday, since I work all day Monday. Even if I do not get the full amount I would be happy with anything.
On a different note I am little annoyed I ordered one of my books on half.com that stated soft cover and it came today but was the international version. When I emailed the seller she said soft cover meant international which is not true, I have ordered and bought soft cover textbooks both on line and at the college bookstore that were not international and now I think she does not want to give me a refund, but I am waiting for her response and if she doesnt she will definitely get a negative feedback. She should have noted that the book was an international version like every other seller
Furthermore, the swelling from my tooth has not gone down and I have been on antibiotics since Thursday, now I can say I am still experiencing pain but not as much as before. I don't know if this is from the pain meds or not but what I can say is I AM SICK OF THS &*%%& TOOTH ACHE!!!!!!!!!

Not much to report

May 17th, 2008 at 02:59 pm

I still have a tooth ache so I won't be going to the baby shower, nor will I be going to help set up for the Cystic Fibrosis walk. I have been in the bed pretty much all day, but I need to head out to Publix for bread and o.j. I was able to complete my assignments for my marketing class but need to start reading the next two chapters and I just don't feel like it. But I'll see how I am feeling later

Still in pain

May 16th, 2008 at 04:11 pm

No luck at the dentist the only thing he says he sees now is a little swelling, which I think is from the deep cleaning he did when he was trying to give me some relief. He did change my bite that way when I bite down on the other side I feel no pain. Anyhow he wants me to see the periodontist (cha ching) but I have no choice if I want some relief

The saga continues

May 16th, 2008 at 06:34 am

I woke up yesterday with the worst tooth ache, I was dying over here. Anyhow I had cancelled my appointment because I was feeling better earlier in the day, luckily I was able to reach the dentist who called me in an antibiotic. When I asked if he would and gave him the number to Walgreens he says to me why don't you go to Publix it's free. Because I did not have the number he looked it up for me and called it in, when I went to pick it up it was free, saving me a $15 co-pay Smile How nice. I woke up this morning and I am a little sore, but I am feeling better. I did not go into work today because if this flares up again I want to be able to go straight to the dentist, it's hard to leave once you are at work. Seems as though the antibiotic is working, wish I had known before I spent $185 the other day
On a different note, today was payday so I checked my balance and found a nice little bonus which I immediately added to my EF Smile
I paid bills today, paid my cc in which I charged my tuition but I still owe about $100 on it. I use it to accumulate points and since I have been under the weather I have not entered all my transactions, must do that today in order to stay cc debt free. I paid the cable and phone bill added $50 to my challenge and paid the extra $50 that I am no longer adding to my IRA but to the auto loan principal in an effort to have that car atleast half way paid off by the end of the year.

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