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Fort Lauderdale, FL

January 7th, 2017 at 03:17 am

Hi all!

I received a ton of calls today. I actually work in Fort Lauderdale not too far from the airport. We could hear the sirens and noticed the planes ✈️ circling around because they were unable to land.
Then there was an individual who jumped off a bridge on a major highway, what a day.

In the end, I'm safe. Thank God my little 5 year old cousin flew out yesterday vs today. He's traveling by himself with of course an attendant. Scary just scary

No sodas

January 5th, 2017 at 02:46 am

For two days I did not have a soda. I almost caved in yesterday because I was stressed but I didn't. So for that, I paid $4 on the CC. I know some would say $4, but $4 here, $2 there all added up and I was debt free at one point by simply doing this. So I'm back at it.

Also thanks to everyone who has joined the Fitbit challenge. I haven't met my goal of 10k but at least I'm back walking. I did 30 minutes tonight, super proud of myself. I'm adding $2 to my challenge for being active.

All hell is about to break loose

January 4th, 2017 at 10:34 am

So all hell finally broke lose. I received a call from my brother's attorney yesterday, wanting to know what my intentions were regarding my father's property. First of all I thought it was weird given the fact that he represents my brother, who mind you is suing me, and I also have an attorney. He called having me on speaker, so I suspected that my brother was in his office. Needless to say I informed him to contact my attorney. What do I look like speaking with the man hired to sue me? Is this even legal?

Fast forward a hour later and I'm at my mom. My brother pulls up. My first intentions are to leave but I say no this is still your brother if he speaks at least say hello. He speaks, I say hello. I start getting my things together to leave and he starts up. Stating no one is telling him what's going on. Um duh you have council shouldn't he be speaking with you? Anyway he becomes irate, threaten me and leave. All while my mother is there not saying one word. Smh you would think she would say, this is your sister don't threaten her etc. the woman said nothing. Her and my brother are just alike, selfish and greedy. So long as they can get something out of it they won't say a word.

Long story short as PR of my father's estate I have taken possession of the truck, that my brother was told months ago to stop driving because he puts the estate as risk (e.g. Accident). Oh yeah and he parks it in such a way that I cannot come on the property. I'll be reaching out to my attorney to see if there is a way for me to take possession of the house to get it ready for sell. I'm done being nice. My mother is worried that at 57 he will have no where to live but mind you this is the same woman who told me to get the F out of her house because I left laundry in the washing machine, and I had nowhere to go. The same woman who just told my sister to get out, with nowhere to go and to our knowledge no one knows exactly why. The same woman who stop speaking to her other son because he told her you need to tell my oldest brother that he is wrong. And she's worried about a 57 year who goes to work every day has no car payment, no mortgage, no CC payments and have lived rent free for over ten years? Her excuse, he won't have anywhere to put his things. He's a hoarder. Smh

No sodas

January 3rd, 2017 at 03:16 am

Today was a good day, no sodas. I had given them up for some time, but then boom I started again. I decided to pay myself $2 for every time I don't have a soda. I think by doing so it will encourage me to drink more water πŸ’¦

On a different note πŸ“ , I only spent $27 dollars today filling up my car, and a $100 on the cable, my fingers are crossed that tomorrow is a no spend day. I have to figure out how to get this cable bill down. I'm really considering a fire stick.

Lastly, my mom finally did it, she told my sister to get out. I can't figure out for the life of me why she is so hateful. My sister cause no trouble, she goes to work, church and home. My mother is up in age and not doing well. We all have said it, she's going to find herself in that house alone.

Didn't need it anyway

January 2nd, 2017 at 05:49 pm

So over the holidays πŸŽ„πŸ₯‚πŸŽ I purchased jeansπŸ‘– , very expensive jeans using my CCs, racking up debt that I don't need. My mind told me they're on sale so they're not that expensive, never mind that I simply don't need them.

Needless to say, they didn't fit and I needed to exchange them. I was contemplating returning them but I really liked them and opted to do an exchange. So I trucked on to the mall, first to Macy's for my exchange, but they didn't have any in my size so I returned them, $60 back on the CC. Then to Nordstrom and low and behold, they didn't have my size, so another $60 was added back to the CC.

As I was leaving, I ran into an old friend I haven't seen in years. We chatted and she asked if I wanted to meet for lunch. I thought about it, and remembered my meal plan and said no. I'm not in a position to eat out this month. I told her let plan something later on, that way I can budget next month my dining out expense. Proud of myself, think I might add the $20 saved to my challenge.

I'm glad to be back blogging, it keeps me in track.

Email subscription

January 2nd, 2017 at 11:59 am

Finally decided to go through my personal email and unsubscribe to all the junk I receive. I spent an entire day pretty much clearing out emails. From Mypoints to Sweet Tomatoes, I had thousands of emails.

For some reason, when I check my emails via my iPhone and delete a message, they're not being deleted. Ugh this really sucks.
I've decided that twice a week I'll log into my desktop and remove unwanted messages.

Because most of my emails dealt with coupons, I unsubscribed and created a new email address, AmberCoupons, to have all those things sent there. Junk email reminds me of back in the day, junk mail. It's crazy!

Hopefully keeping those emails separate, will bring me some sanity.

Happy New Year πŸ₯‚πŸΎ

January 2nd, 2017 at 03:25 am

Happy New Year everyone! πŸ₯‚πŸΎπŸŽ†

Today was a little busy for me. Went to church, then off to find a belated Christmas gift for my boss, cleaned my car, meal prep and grocery shopping. I really wanted to get my shopping out of the way so that I could have a no spend day tomorrow but I forgot to get gas.

Church was awesome, it's been a while since I've been the first Sunday of the month, let alone the year. Unfortunately, things are tight so I was only able to make a $20 donation.

From there I headed over to Michael's, I wanted a new planner but just couldn't bring myself to spend over $30 on one. I would have had to purchase the binder, that was $20, the calendar another $5, plus other things I wanted like the meal plan, and fitness items. Just not worth it.

I was going to go to Bed Bath and Beyond but decided to head to the Christian bookstore to get a gift for my aunt ($7). While there, they had a lotion/bath set at half price for $10 so I picked this up for my boss. Not bad. Though I hate gift exchanges we had one at the office, the boss was on vacation so I made out like a bandit by waiting. Oh yeah and I found a lovely planner for $10.

From there I ended up buying a sub, ugh. Cost me about $10 with a drink and chips, needless to say because I ate out, I had to also pay $5 on the CC and add $5 to my savings. I figured, if I had the money to eat out I should have the money to pay down debt and save.

Once home, I created a meal plan for the week. From that I went grocery shopping ($64), I'm hoping to stay focus and keep up with my meal planning.

Lastly, I washed my car myself, costing me about $6, saving me another $6 so I'm adding the $6 saved to debt reduction and savings.

Day 31 and why I'm thankful

December 31st, 2016 at 05:21 pm

It's the last day of the month/year and though I have had my share of rough patches, I decided to take the challenge and list 31 things that I'm thankful for (not in any particular order).

1. Life
2. A roof over my head
3. Work
4. Friends
5. Family
6. Health
7. My states of mind
8. Clothes on my back
9. Running water
10. Electricity
11. Food
12. Transportation
13. Time spent with my dad
14. Getting to know my dad's family
15. Education
16. Women of opportunities- my scholarship
17. God's grace and mercy
18. All my limbs
19. Ability to hear
20. Ability to see
21. Ability to walk
22. Ability to help others and doing so
23. Ability to forgive ( so many struggle with this)
24. Saving advice- keeps me on track
25. My travels and seeing this beautiful country
26. Not being addicted to drugs and alcohol, it's crazy here in south Florida
27. Shoes on my feet
28. My bed, I could be sleeping on the floor
29. My conscious, with this you'll always do what's right
30. Seeing this day, year
31. My savings

End of Year Clean Up

December 31st, 2016 at 02:03 am

So I have been entering receipts all day, ugh. I want to make sure that everything is entered and accounts are balanced for the start of the year.

I have been so lax with my finances, I didn't even notice that the plot I would like to purchase next to my dad was not being deducted from my account, so tomorrow I have to take care of this. I also manage to rack up so much CC debt. I'm so annoyed with myself, especially because I know better.

My mom, had my sister in tears tonight, I'm really at a my whits end with my mother, she makes trying to have a relationship with her extremely difficult.

So tomorrow, I'll be back at tackling the finances and clearing things up. Wish me luck.

Oops almost forgot, I am back at the $20 Challenge. Today, I dined out spent $10.00 so I added an extra $5.00 to my CC payment and an extra $5.00 to the savings account. if I can spend $10.00 foolishly I should be able to save and pay down debt as well.

Sick

December 30th, 2016 at 02:03 am

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.

Checking in

December 29th, 2016 at 01:13 pm

Good morning all!

Hope everyone had a wonderful Christmas πŸŽ„ and Hanukkah

Things for me have been really hectic. As some of you may know my dad passed away late April and left me in charge of things. My oldest brother, who is a complete idiot has decided to sue me because he feels as though I manipulated my dad and everything was to be left for him and not split four ways. I'm splitting thing amongst all the children and he's not happy. So any money left in dad's account for me that I was going to split has to be spent on legal fees. Smh but this is a whole another story in itself.

My mom is still mom, miserable as hell. No matter how we try the woman cannot be satisfied. Her and my second oldest brother and sister barely speak, they both feel as though she should tell my oldest brother he is wrong for suing me and she refuses. I failed to mention that this same brother lied on her and had her in court, not to mention almost locked up in jail (the one suing me) . But what I've learned is that they are two peas in a pod, they're just alike, greedy for money and selfish. Here is a mom incident, to give you an idea of how she is. The other day my nephew was on the phone with his wife and mom was in the background yelling that he was seeing another woman, needless to say that wasn't true and my nephew and his wife had it out once he got home.

I finally got a job, my boss is crazy. The entire team as well as others have spoken to her boss about her attitude, it appears as though she is trying to adjust but we can tell it is extremely difficult for her. We all are just waiting for her to explode

Onto financial news, I've signed up for the 401(k) through my employer, maxing out at 6%, first time I've ever max. The company is on a vesting schedule and they match only 25% up to the first 6%, but hey for me it's free money.

Today marks the end of year for me so I'll be entering in receipts all day getting myself prepared for the new year. I've spent a ton of money and racked up CCs, so it's time for me to buckle down. If ive said it once, I've said it a thousand times, blogging for me keeps me accountable when it comes to my finances, so hopefully I can keep it up.

Happy New Years everyone

Breast Cancer

October 22nd, 2016 at 06:54 pm

About 6 years ago I lost a good friend to cancer and another about three years ago. This year I lost my dad to lung cancer.

Needless to say, if there is a cancer walk happening, I'm there. I don't care if it's $5, I try and make a donation because every little bit counts and cancer sucks.



Got the job

October 16th, 2016 at 02:00 am

Well I'm back to work, started two weeks ago.

I've pretty much depleted my savings; however, I've inherited a decent amount of money from dad that I was going to split with my siblings until one started acting up and the other two told me to keep it for myself.

The good news is, is that I haven't spent any of it (dad's), I did deplete my savings while I was out and racked up a few CC bills but thank God I'm back to work.

A few of you asked what I did for a living and I'm a human resource practitioner. I have a master in HR and both HR certifications. My speciality is benefits and I hold a Florida Life Healthy and annuity license.

I'm so thankful to be back to work.

Prayers needed

September 14th, 2016 at 12:23 pm

My last post was right after my dad died. Since then I have lost my job, a week after his passing. My employer said it was too much work for the team while I was out. I wasn't elixir FMLA.
My brother has turned into a jerk so now we will be putting my dad's house on the market. So much has happened, finances are in the red and I'm depressed.

Too much to post, just wanted to stop by, please keep me in brayer.

Rest in peace Dad

April 28th, 2016 at 08:59 pm

Dad past away on Monday, April 25th at 3:50 am. He's at peace now.

What's happening

April 17th, 2016 at 01:37 pm

So the brunch was a hit, everyone wants me to do it again next year. We are actually going to turn my idea into a for profit business. Of course my mom was not there to support, but that's typical.

Dad has been in the hospital since Wednesday, he was doing well but then boom he started acting up, removing his oxygen and trying to remove his cath, we had to restrain him 😒
In mother news, today is her birthday and somehow she managed to have my sister in tears. Nothing hurts more than words and wanting to have a relationship with your mother. I explained to my sister that, though I understand, she's going to have to try really hard and let things go. Our mother, I've learned is just plain old evil. There's no getting around it. She's always negative, only do things so that others can say she did this or that, never from the heart. With her there is always a motive as to why she does things. Our dad said it best, she can't love because she doesn't know how, and she hasn't learned to forgive.

Financial news I was able to still add to the house fund, reaching $3400, hoping to hit 5k by June. I've been spending a lot more since dad has been in the hospital, dining out has been the culprit.

Prayers pleaseπŸ™πŸΎ

April 12th, 2016 at 11:36 pm

So I haven't blogged, been super busy.
The brunch went well, mom did not show, actually only my sister. I was a bit heart broken but what can you do. Everyone wants me to do it again next year so I said okay.

In other news, dad has been down since turning 80 and refuses to eat. I took him to the doctor and he got into a huge pow wow with her. He says he's weak but I think it has a lot to do with the fact he is not eating or drinking fluids. I really need you all to pray for me,he is my world

Is it okay to dislike your mother?

April 4th, 2016 at 03:27 am

I've been on a little hiatus planning an up coming brunch for this coming Saturday.

When I was in 12th grade, day dreaming, a thought popped into my head that when I started doing a little better for myself that I would reward another woman the opportunity to continue her education. So I decided to have s brunch. Ticket sales would cover the brunch and scholarship.

So last year I decided to just do it and it's coming true Saturday. I broke even, didn't make any money out of it and I'm happy with that, I just wanted to give back.

Now here is the disappointing thing. As you all know my mom and I have had a very rough relationship. Needless to say I ask her to purchase a ticket and she agreed. I also asked her to ask her friends and she tells me know. At first I was upset and then that quickly turned to anger. Reason being, when her friends kids are selling anything she's happy and assist with the sale. However, when it's her own children she refuses. This occurred a few months ago.

Fast forward today I swing by because my sister is making a donation. My BF ask my mother if she's attending, her response is no. I figured that much. But what gets me and what was most hurtful was she turns to me and say, "why would you even want to do something like that?" I don't respond and my boy friend jumps in and says, oh it's a great thing, too bad other people aren't as giving. Why is/was it so hard for her to say congratulations, I'm happy for you, or hope everything goes well.

I can't understand for the life of me why this woman is always so negative, hurtful and non-supportive of her own children. I would have felt better if she had kept her mouth shut.

My sister told me today, that the photos that she had taken for our mother's 75th birthday, and mind you hiring a photographer isn't cheap, my mom gave her back the photos. I'm thinking, wouldn't you want those memories? She simply went into my sister's room and placed them in the bed.

The woman is so hateful and bitter. I pray that God allows me to forgive her, but for some reason and I'm sorry I can't stand the woman. As soon as I think, okay she's coming around she does something else. I try so hard to try and have a relationship with her but honestly it pains me, I'd rather not be bothered. The only thing is, I often think what if something happened to her, and I didn't try to build a better relationship.

She tells my BF she loves him, but never has said it to me, Christmas rolls around she buys others children gifts and not even a card for me. The last time she ever bought a Christmas gift for me I was in 6th grade. I'm 42 now.

I'm sorry I just needed share, please keep me in prayer.
Ugh

$3000 in three months!

March 16th, 2016 at 02:32 am

Yeah I hit my $3,000 mark today. I'm so excited, it pay day so I added $200 to my $20/52 week challenge. For some $3,000 may not be a lot, but it's a huge accomplishment for me.

$20 and 52 Week Challenge

March 2nd, 2016 at 02:18 am

As I begin pricing homes, I realize that things are way too expensive, I don't want to lose hope, so I'm saying a prayer that this will be the year that I can make things happen.

After March, I'm going to start looking for a part-time job or one that pays me more money.

Well, I got paid and added my $50 to the house fund, coupled that with the $100 dad gave me as well as the extra $17 to round things up, and now my new total is $2,600. I'm hoping I can hit that $3,000 mark by end of March.

Finally a No Spend Day

February 3rd, 2016 at 12:20 am

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.

Well I Tried

February 2nd, 2016 at 03:24 am

I really tried today to make it a no spend day but that didn't happened. Needed a few girly things so I headed to the store. While I was there I went ahead and picked up snack and dinner for tomorrow.

I did workout today. I started back walking/running. I want to train myself to run at least a 3k

I will say this, today was the first day in awhile that I did not have a soda, yay! I was so excited, and to be honest I wasn't even craving one.

In financial news, I checked my checking account and I had $.90 worth of change so I rounded down and added the $.90 to the credit card. Because I worked out and didn't have a soda I added two more dollars to the $.90, giving me a total of $2.90 paid on the CC.

That's it in a nutshell. Hopefully tomorrow I won't spend a dime.

Date night

February 1st, 2016 at 04:23 am

Last year was a rough year for the BF and I, at one point I was really considering leaving him. But then all of a sudden he stepped up, paying his bills on time and taking care of what needed to be done around the house.

We haven't really done a lot together so I decided to come up with a "Date Night Jar." Basically we both put four stickies each of what we would like to do for a night/day.

For me I chose the following

Dinner - we have a $50 gift card
Drive through movie
Game night at home
Polo match

Not sure what the BF wrote, it's suppose to be a surprise. On Thursday each week will pull a sticky so that we know what we will be doing. I'm excited.

What's for dinner?

February 1st, 2016 at 01:50 am

So I decided to make a crockpot chicken and stuffing dinner, found on Pinterest, love that site.

Two large chicken breast - cut into 2
1 can of cream of chicken
1 can of chicken broth
Pepperidge Farm stuffing (half bag)

Place chicken in the crock pot - seasoned with salt, pepper
Add the stuffing
Mix the broth/cream of mushroom - add a little onion and chopped celery
Pour mixture over stuffing
Cook high for four hours

Now I'm just waiting to see how it turns out.






The Fair

January 31st, 2016 at 03:50 pm

So the BF wanted to go to the Fair, he was taking his two daughters. I told him I wasn't interested, nor did I have the extra cash, but he insisted, so off we go.

To be honest it was nice but he spent a ton of money in my eyes that could have been used for something else.

2 adult tickets - $30
We had two tickets that my company gave us
2 wrist band for rides $50
$80 for the kids to spend
$30 cartoon photo
$5 lemonade
$10.50 corn on the cob
$10 beer
$30 group photo
$8 candy apple
Plus the to-go food that I didn't get a cost of.

Just seem like a ton of money to me for about 2 hours

$20 Challenge

January 30th, 2016 at 10:08 pm

Yep, dad gave me a $100 today and I transferred it to my savings, I'm at $2182.29, can't wait to get paid to hit the $2200 mark.

Also added $9 to the CC, have to stop eating out, this is adding up.

Tomorrow, I plan on making chicken and stuffing in the crockpot.

On our way to the fair, haven't been there in years.

Every little bit count

January 30th, 2016 at 02:51 pm

I know when I blog I stay on track, I hate when things throw me off, when that happens I stop blogging and start spending. Have to stay focus.

With that said, I'm trucking right along. The BF took care of my car's oil change and filled me up. I didn't ask how much he paid, but I estimated about $60 for everything. So I added the $60 to my $20/52 Week challenge. New total $2,082.26. I'm so happy.

Dad and I will be running errands and he usually give me a $100 on the days we do this. Even though I tell him he don't have to he always do. He says he'll rather give it to his kids than other people who will sure enough take it.

I splurged and had McDonalds for breakfast $3.60 so I paid $3.60 on the BoA credit card, I figured if I have extra to eat out then I have money to pay down debt.

Lastly, we are getting our security cameras installed. It saddens me that we are in an age where Big Brother always have to be watching. Awful

BoA Debit Card Found

January 30th, 2016 at 02:42 am

So I'm at the bank and found someone's debit Visa card. For some strange reason I was scared to touch it let alone pick it up. Strange I know, but you never know.

Needless to say, I picked it up and called the bank to let them know I had found it. After our break in, I'm just paranoid about everything.

Tomorrow we get the security cameras put in and I think once those are installed I'll feel a little better.

Dining out

January 29th, 2016 at 09:02 pm

Went out to lunch with an colleague and spent $20 so I decided to pay $20 on CC1, how I see it if I can eat out I can pay extra on the CC.

New total $1000

Cash App

January 29th, 2016 at 03:37 am

I've been using the Cash app now for quite sometime, and when ever I refer someone, that person and I get $5 when they use the app. The great thing about it is that it's free and instant, unless you link a credit card, that's 3%. What I love about it is that the person that you're sending or receiving funds from do not have your account info.

So with that my neice sent me cash, for some items I'm selling and I got $5. I added this to my $20/52 week challenge, new total $1,973.26. πŸ˜„

Here's my code if you're interested.

Try the Cash app using my code and we’ll each get $5! FGHTDRQ
cash.me/app/FGHTDRQ


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