First day in weeks that I did not have a day in that I spent money. I'm soooo happy. ūüėÄ
I looked over my budget and what I've actually spent, so far I have over budgeted by $10.44. Hopefully I can continue on this trend for the remainder of the month. What ever money is left from budgeted expenses, I'll just add it to the EF.
Though I haven't cut up the credit cards ūüí≥ yet, I've given them all to my BFF today. I told her that no matter what do not give me those cards ūüí≥. One thing with her is that she is great at keeping me accountable. I can honestly say I haven't used the cards since April until the hurricane in September. I told her that if a storm comes and I ask for it, she should remind me that, that's what the EF is for.
This journey is tough but I know I can do it
Viewing the 'NSD: No Spend Days' Category
First day in weeks that I did not have a day in that I spent money. I'm soooo happy. ūüėÄ
Looks like today will be my first no spend day in months. I'm here with dad and will be heading home shortly, when I realized I haven't spent a dime. So I'll be adding $2 on the BoA CC.
In healthy living news, today is day 2 and I have not had a soda, adding $1 to the BoA CC. I also walked a little over a mile today so another buck added to the CC. In all today, I'll be adding $4 payment to the BoA CC.
First no spend occurrd yesterday, so $4 paid towards the CC, $2 towards the house fund, and $2 towards my personal saving. All in all $8 towards the challenge yesterday. Today a different story, I hit the grocery store and spent $50 but some of the stuff I could have done without. To end the day on a good note, I washed my own hair and styled it. By doing so I was able to save $25 so $15 was paid on the CC and $5 went towards the house fund. The other five went to my personal account. I'm so glad I'm back blogging, it keeps me on track.
On a different note, tomorrow is a staff retreat because we did very well on the audit. We are heading to Miami for the day and I'm having second thoughts because I do not want to spend money I do not have. My plan is to spend only $40 out of my personal account ( money saved for things I want, i.e shopping, pedicures etc) I do not want to spend money on day with my co-workers in Miami. Hopefully, I will not be pressured to buy anything, it's always hard for me to say NO.
Just wanted to say thank you very much for all the welcome backs and support it means a lot. I'm in the process of paying down approximately $20,000 in debt. I went from owing $0 to 20, 000 with nothing to show for it. Well no need to dwell on should of, could of, so to begin today was a no spend day and I added $2 to the $20 Challenge (a buck to my CC with the lowest debt and a buck to savings). This method helped me to pay off debt in the past, so it should work. Once again thanks everyone i really appreciate all the support
I finally had a no spend day so $3 was transferred to my new home account; in addition, I took lunch to work and had breakfast at home so $2 was paid towards my CC
This was a great week, Monday was a holiday and I was off, then I go good news that I was hired full time and yesterday was a no spend day So a buck went to my $20 challenge oh I just remembered I have to add another $1 for going to the gym
Wow I also brought my lunch all week so $8 towards the challenge CC debt
Yesterday was a NSD so $2 went towards my $20 challenge ($1 in savings and a buck on the CC)
Today, wasn't so good but not bad either, I will post the tally later
Hopefully I am back on track, today was the first NSD of the year so $4 went towards the challenge
$2 towards debt
$2 towards savings (went to the gym)
Yeah I know some people may say "you made a $2 payment on a cc" but those $2 adds up to $14 for the week and $56 for the month and by the end of the year it will be $672 towards a cc. By doing this before was how I became debt free the first time, so I know it can be done
Today was officially a no spend day, I am trying to get back in the swing of things. Unfortunately though I can not add to my challenge
I have had a total of 11 NSD and it's all mainly because I am unemployed. I'm happy that I had the no spend days but sad that I am not working. Normally I add $2 for every no spend days but I'm unable to do so
Wish me luck, I have an interview tomorrow at a hospital and I am so excited. I have been wanting a job at the hospital or with the Department of Health since I can remember and have never had an interview. I've always filled out the application but never a call back. I have even research the hospital to find out how many beds, when they opened and the CEO name; in addition, to looking up some of the programs in which they offer so that I am prepared when I go in
Today was my 8th NSD, I guess the best thing about me not working is that I am not spending any money not even driving
I had to edit this post in order to add the link for free Dr.Pepper. When you go on the site the link is to the lower left
Two days in a row that I have had a NSD So $2 was added to my house/challenge
That's it for now
Today was the first NSD for the month I didn't even leave the house, so I added $2 to the challenge house fund. I washed and colored my own hair saving me about $45 plus I polished my own toes saving me another $12; grand total saved $57. It's expensive being a gal
I was able to get a little studying in again, so that was a plus, it's hard to study at home with all the distractions. All in all I had a good day without even leaving the house.
March is woman's month so I decided to post a little something about how women have been such a driving force:
Josephine St. Pierre Ruffin, formed The National Association of Colored Women in 1896. Married George Lewis Ruffin, the first African American to graduate from Harvard Law School.
From 1890 to 1897 Ruffin served as the editor and publisher of Woman's Era, the first newspaper published by and for African American women. It was used to highlight the achievements of African American women and to champion black women's rights
Today was a no spend day so $2 was added to my new home challenge
Next week is spring break so I plan on finishing up at least two papers so I'll be busy, no time to relax
I am determined to have at least 4 no spends days by the 28th
So today I bought gas and hit the grocery store as well as buying the office Powerball tickets, that way tomorrow I won't spend a dime. The next time I will spend is Thursday (if I missed something that I need) and that will leave me with Friday and Saturday... wish me luck
Dining Out $9.00
Gifts(Cousin's B-day) $10.00
Oh and I added .62 to my challenge cc balance
Today was only my second no spend day for the month The only good thing is $2 went to the challenge for not spending. I can't believe the month is almost over and I only had 2 NSD
Well I had already made up my mine that I was not going to call my sister and she called today to tell me she was waiting on funds from her 401k before she could pay me back. First of all I told her this money was for my tuition, even though it isn't and if she wasn't going to be able to pay me back then don't borrow it. What bothers me the most, is what if I really needed the money for my tuition, it shows just how selfish she is. She knew it was a possibility ( a strong possibility)that she wouldn't be able to pay me back and yet she took the money. In a way I'm glad because this is the final straw, I'm going to tell her that the school dropped me and have her to think I am not taking a class...she won't ask me again and if she did it would be easier to say no
On a different today was a no spend day plus I received a survey check for $4
Called my sister today to tell her I was on my way to pick up my money since she never called to say she had it and of course she doesn't. She said she'll have it on Monday, now my thing is this I told her I needed it back by Friday (like she promised ) and that it was my tuition money (which it is not I lied). You think she would call and say I know I owe you but I will give it to you on Monday? Nope...that is what annoys me with her, when she says she's going to pay you she never does and avoids you like the plague. It wouldn't be so bad if she just called. So I politely told her (in a firm voice) that if she causes me to be dropped due to non payment it won't be nice. We'll see if she calls me Monday
On a different note I got a X-mas from freecycle for next year and hit the gym today so no money was spent, but I have none to add to my challenge...darn
I even managed to get a couple of hours in to study
My day is over, when I leave here (work) I'll be heading to the gym.
Anyhow I did not spend a coin today but
I added $2 to my challenge/cc debt,for not buying breakfast or lunch
Plus I got $3 from Pinecone so I added that to my challenge/home fund
I should be well rested, I slept majority of the day.
I can say this Christmas I made out like a bandit; I only spent a total of $4 and some change on gifts. Thank goodness all the toys were given to me for my God daughter and her sister, my nephew and the two other gifts I bought I had $10 JC Penney coupons so I only had to pay the difference
Mom made the roast beef that I loved so dinner was great. Unfortunately I have not heard from the guy I had met which I was a little down because of that but oh well. I made a point to not call him any more I was hoping things could have worked out but after my trip there and the way he was acting I knew deep down that things were not going to go any where
On different note I did not spend any money today so $2 was added to my challenge/house fund
First I called the bank regarding the cancelled check, and thank goodness they allow 1 free copy a month if you request a copy of a check.
Then I called the director of the local chapter of Cystic Fibrosis (twice) and as the day progressed I thought why havenít he called me back, I thought they wanted volunteers?
Well he finally called back and I will be volunteering Saturday & Sunday in two weeks, and to be honest I am a little excited about it. I was just saying that I want to touch peopleís lives and start some volunteer work and then the college sends out this email for volunteers at the walk for Cystic Fibrosis, talk about coincidences
Then there is this hospital that I would like to work at after graduation, the direct of the college in which I attend sent out an email looking for interns. Well since I have already committed to a summer intern I thought maybe I could intern in the fall, closer to graduation. Well after speaking with the supervisor at hospital, he stated that he needed interns for the summer. This was a few months ago. Well I get a call on Friday to call him back and I called today and he was suppose to call me and of course I did not get a response. Hopefully he is calling me for the fall, I would really love to get in for the fall
Today was a no spend day, yippeeÖ. I am very happy about that.
I almost forgot I went to see Mr. H since his wife passed away, and I always travel with my laptop. Well we got to talking about all the people who turned out for his wifeís funeral and all the attorneys from his firm (he has the largest firm in one state located in the west) Well he is 98 and had never seen their website, I felt really good that I could show him the site and place a smile in his face. I love that little guy. Itís so weird because I almost said to him where is D? Thank God I didnít. I am really going to miss her
Then there is the thing with my job we are working some more Saturdays and I am not offered the opportunity to work because I work two extra Saturdayís. I know why my boss is doing this because no one told her I was and it was ok with the owner, so this is her little way of getting back at me. But thatís ok, something good will come out of this.
Oh something else that happened today, I run a report of all outstanding balances and have been for months well there was a name that was not on my list and when I brought it to my bossís attention she said she had it in the computer well low and behold when I printed the list today the name was on the list. Hmmmmmmm. I canít stand when people (well her) act as though I am stupid. What did she think? I would not know that she made a mistake, little miss perfect and added the name today. For months I have ran the same list and this name never showed up, just so happen the patient returned and I needed her chart and then miraculously after sheís informed the name is there and then she pretends it was the computer. For a year? Yeah right
oops I forgot, I have 7 people watching my purse on ebay. Hopefully someone will buy it
Today was a great MLK day, I did not leave the house and just slept, read a book and watched a bunch o old movies starring Sidney Poitier who is one of my favorite actors. In addition, I paid $2 on the cc.
There was no mail today and I was waiting on a check from the college for $400 refund which I need to pay on the CC, hopefully it is there tomorrow
He only thing I can complain about is that I can not wait until I move into my own place for just a little I mean just little privacy. My mom gets in her moods where she just opens my room door and it bugs me, not only that I wanted to try and study today and she sits in the living room which is near my room on the phone and that drives me crazy. No matter how many times I ask her not to that, she as this thing that this is her house and she will do as she pleases
I am praying that this is my year that I am able to buy
Last year was a great year and this one seems to be starting off on the wrong foot.
First I get a letter in the mail that my license is suspended because I did not pay a fine. Well I did not have to because the cop sign the ticket stating that the tint on my car was fine, good thing I kept a copy because tomorrow I have to go down town.
Now the classes that I would like to take are not available so I am stuck with only two classes which means I may not graduate until 2009 Next, my part time job still have not found a replacement for me on Sundays, now I think they are taking advantage since I did say I would stay until they found some one but now that I think of it I am tired and will give them 2 weeks from this Sunday, almost two months
On a different note I should be getting my deposit of $28.56 from half.com for a book sold and today was a no spend day so a buck went towards the cc and the challenge
Today was another no spend day so a buck went to the challenge and a buck on th cc
New challenge total $7184.43
New cc total $2971.49