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Ready for the New Me

November 21st, 2018 at 02:39 pm

Just picked up the cashiers check for the closing on Monday, super excited.

I’ve also been searching the internet for an amortization spreadsheet that I can enter my loan information with extra payments. Once I close I’ll also be able to make a nice payment to the BoA credit card knocking off a just above half of the balance.

I bought my budget extension for my happy planner. I’m so ready to kick butt staring in December. Once the closing take place I’ll open up a checking account strictly for the mortgage.

Other news I saw that the SO reached out to his sister to let her know I want him gone. At first I thought he was not taking things seriously but when o saw that I knew he was. He only calls his sister when he’s stress, need advice and something drastic has happened. Thank goodness he knows I’m serious. I was really worried.

Im so excited to start my new chapter.

Excited and Heartbroken

November 21st, 2018 at 03:30 am

Closing is scheduled for Monday. I’m excited. I’ve already set up sinking funds for the HOA, and home repairs.

I’m trying to decide if I want a separate account for the mortgage, I’m opting into auto pay, or combine the HOA and mortgage accounts. I need to decide before the next pay day so I can have those funds direct deposited vs me trying to transfer.

On a different note, yesterday SO and I donated a meal to a family. It’s something we do every year. Usually we give the meal and I’m like okay that was nice but yesterday for the first time, my heart broke. As we were providing the meal, one of the cutest kids you ever saw came up to us and all she kept saying was “food.” “Food, food, food, food...” is what she said and kept pointing at the box. I wanted to pick that little darling up and take her home. I’ve never imagined not having enough food. This really bothered me. I’m sharing because as we go on with our daily lives we forget to be thankful. I’m praying that God will bless me, humble me so that I can be as generous as he is with others

Monday Rambling

November 19th, 2018 at 03:30 pm

I’ve been saving for Christmas all year, I’m really surprised at this. My goal was $500 but I saved $245.69 as of today. Next pay day I’ll be adding $40 and another $40 right before Christmas, brining the total to $325.69. Not bad for the first year of doing so.

Reason why I didn’t hit my goal was that I had a few car repairs pop up and I chose to pay off the credit cards.

I was planning on getting my nephews a zoo pass for the year. The cost is $174 for two adults and as many kids as there are in the household. It’s a good deal but now that I’m closing on the house I don’t want to spend that on Christmas. I know I saved for it but I’d rather throw the difference into the house fund or pay my car insurance for three months.

Yesterday I ordered three pairs of kids PJs for the boys (nephews) at $5 each plus tax as part of their Christmas gifts. I think I’ll do movie passes $50 and keep the difference. Not sure.

It was a good day, today was the first time in weeks that I have not eaten out for breakfast or lunch. I usually spend $5.60 for breakfast and about $10 for lunch. So I’m add $5.60 to the house fund and $10 on CC9.

I rolled my coins that was in my mason jar, I had a whopping $46.50 this will be added to the HOA fund.

New Sinking Fund and Other Stuff

November 16th, 2018 at 04:43 am

Well as soon as you make it, it goes out. Today was payday. I took care of the following, tithes were paid, paid on both remaining CCs, took care of the cable (my portion for the month of November), added to my sinking funds; but what I’m most proud of was creating a sinking fund for the house 🏡.

I was planning on adding $85 a pay date to cover the HOA for the following year, but I bumped it to a $100. I’m thinking a little extra a pay date won’t hurt, in case they decide to go up.

Tonight I’m speaking with the SO I’m going to give him until December 31st to move. I figured one, he’ll know that I’m serious. Two, it will give him time to at least save to move. I plan on letting him know that I’m exhausted, that this isn’t working and I’m not going into the new year with his baggage.

2019 we would have been together for almost 10 years. Things actually went downhill once we moved into together, this was when I realized he is really really really bad with finances. Both of us were living with our parents. I had just lost my job and he was recently divorced. We dated for three years before deciding to live together and the only reason why that happened was because of my mother.

I should have known things wouldn’t be right. First sign I tried talking to him about how he wanted to split the bills, he was somewhat evasive. Then when it came time to pay to move in, he had his portion of the money the day of not before. Long story short it was downhill ever since. At first I thought maybe because his mother doesn’t pay him regularly but nope he’s just as bad as she is with money, if not worst.

Oops my low life brother has decided to go back after me. Smh my attorney called last week. Hopefully the judge will lock him up for frivolous case

Praise Report

November 9th, 2018 at 05:59 pm

Praise report. After paying off the three credit cards 💳 my credit score jumped by 47 points.

I got a revised closing statement and the mortgage will actually be $10 more than I’m paying for rent ($961). I’m thinking that once I close it will actually be less. Correction, this include the escrow.

Other news my idiot brother decided to sue me for the money my dad had in the bank. One I was the beneficiary; two all of it went to legal fees, burial and taxes on the property so good luck to him. Greed

Next, the idiot I have as a SO hasn’t given me one coin on the purchase of this home 🏡. Rightfully so, I guess Neva we’re not married but what get me is I tell him I had to put tires on my car, paid for with cash by the way, and I’m super excited. But he thinks a credit card 💳 was used (usually the case) and he has the nerves to say let’s rent a room to stay out of town. My response, how about you give me the money to pay a bill? 🤦🏾‍♀️🤦🏾‍♀️. Can’t wait for this to be over.

That’s it for now.

Update

November 2nd, 2018 at 01:23 am

Good morning all!

The house the debacle is over, I received my check and paid off CC6, CC8 and CC7 will be paid off today.

I decided to purchase the villa that I’m in. The landlord agreed to $140K, and the place appraised at $150K. The good news is by me purchasing the rent/mortgage will be cut in half. The extra money saved, I’ll put half towards EF and the other towards the remaining debt.

I still have the 8k saved so if anything comes up with the home that’s where I’ll dip into. I don’t include this amount in the sidebar.

We are also expecting to relinquish a high level employee, her duties will be split amongst managers so, I should be getting another raise. Upward of about $10k - $12k

Decisions

March 18th, 2018 at 12:30 pm

I had budgeted $110 for the optometrist. Well for some reason, things just didn't sit right. I had scheduled my appointment but something kept nudging at me to call them. So I did and found out that my renewal is in July.

I ordered my contacts, that came to $34.99 and canceled my appointment. I'm going to pay half of what's saved to the CC and put the difference in the EF. But a part of me is saying add the entire $75 to CC4. If I did this it will bring the balance to about $658.

Decisions

Super Proud of Myself

April 9th, 2015 at 03:49 am

I am super proud of myself. I've been keeping up with both the 52 Week Challenge and the $20 Challenge. Today I deposted week 45 of the 52 week challenge (started backwards); $56 was set aside for the $20 Challenge; and $56 was paid on the CC. Dad gave me $112, so I split what ever he gives me between the $20 Challenge and CC debt.

Made my first student loan payment, and it didn't feel stressful Smile

My brother is giving me $200, he always does this because I do his taxes, and his house is in my name ( he has never missed or been late with a payment in four years). Once I get it, I'll pay down a CC, knocking my balance to $375 and when my tax returns are received, it's paid off. First CC of the year.

So with so much great news, I'd love to do the happy dance 💃

Oops I failed to mention in about four months I have socked away $1,343.55 not bad.

NSD

February 26th, 2009 at 08:54 pm

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

NSD

February 23rd, 2009 at 07:20 pm

Today was only my second no spend day for the month Frown 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

Great ideas

February 22nd, 2009 at 07:59 pm

Ima posted today that she added her one dollar bills to the challenge for Washington's birthday and I decided to do the same, so $12 added to my new home challenge
Thanks Ima you rock Smile

$20 challenge

January 25th, 2009 at 05:36 am

I forget to post my $10 weekly deposit to the challenge, thus far YTD $1762.40
Balance for my new home account $745, it's amazing I had almost $8k the first part of last year and now I'm down to $745 but once I get this cc paid off I will be able to sock away more
I have about $113 to last me until next Friday, hope I can hold out

BoA rewards

January 4th, 2009 at 01:10 pm

I decided to cash out my reward points with BoA so I should be getting a check for $120. Once received it will be added to my house fund. No need in having the money sitting there not collecting interest on it and since I do not plan on using the card for a long time I won't be earning any points anytime soon anyway

Found $3

January 4th, 2009 at 01:01 pm

I signed on to my paypal account in order to send Ima the link to sign up only I didn't find one. However, I found that Pinecone had sent me $3 for a completed survey which I gladly transferred to my challenge house fund

Pinecone

January 2nd, 2009 at 11:48 am

I just received a payment from Pinecone in the amount of $3 so that was added to my challenge/home fund (YTD $10.68) bringing my grand total to 1218.27

NSD

December 29th, 2008 at 02:42 pm

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

Wasteful spending

December 26th, 2008 at 07:41 pm

Went to Publix because I needed some bandages and neosporin for a hang nail that is going to be the death of me.
In the mist of my shopping I was feeling lucky so I bought a $1 scratch off and didn't win a thing so $2 is added to my house fund...not lucky after all

$10 a week

December 26th, 2008 at 03:07 pm

I just transferred $10 to my challenge/home fund and decided to transfer $10 a week to this fund, not much but a start. I also notice that I did not included $21 from Pinecone and $15 from lightspeed so my new total is $1155.82 a little less than $10k to go Smile

Surveys

December 22nd, 2008 at 12:07 pm

Added $21 to my house fund (one of my challenge accounts) from money earned from Pinecone

This year has bee rough

June 7th, 2008 at 07:11 am

I have not been keeping track of my budget like I am suppose to, therefore going well over my dining out budget and other things. In addition, I bought a pair of yellow shoes yesterday for $21, which was more of a want than a need. Any how, I have decided to stop adding to the challenge until I pay down the cc. I am planning on paying $1000 once my EF hits $2000. The reason for the high CC, my emergency dental care and my laptop crashed so I needed a new one.
On a different note, I contacted the bank who financed my last vechile (which was totaled) the gap insurance was to pay the difference and did not, thisd I know. Any how when I called they said that there was not a balance due on the account Smile and did not know why it was being reported 120+ days late Smile because the account was paid in full. So the rep placed a request to have it corrected. In addition, a doctor bill that is showing as non payment on my credit report was paid so I sent in a copy of my cancelled check and the bill from the doctor's office to have that cleared up, now it is a matter of finding the other one. I am trying to clear up everythig before I apply for the loan and send in my paper work for the grant on the new house, that way there are no problems

saved a buck

May 25th, 2008 at 07:57 am

Used a coupon yesterday at Publix and saved $1 on plastic cups so I am adding this amount to my challenge. On a different note my laptop is giving me problems; I think there is a shortage so I am taking it in to be service next week. In the mean time I am going to buy a passport to back up all my files and free up space, I think that is the best thing, the funds will come from my misc. account since I am really not saving for anything in particular and I have $447 in that account. But I will use the BoA card in order to get the points and then pay the bill once I get home
As far as the tooth goes, looks like I am pain free Big Grin I am still swollen but experiencing little or no pain.
Tuesday I am off and will finally drop off the paper work for the grant for the new home. I filled it out just never dropped it off, I am a little nervous...more like scared. Of what I do not know, I lived on my own before with no problems and then I wasn't as conscious as I am now about money
New total for the challenge $5824.38

Finally

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!!!!!!!!!

Decisions

May 7th, 2008 at 06:01 pm

Hope I am making the right decision. I was listening to Dave Ramsey last night when he told a caller it was ok to hold off from contributing to their IRA temporality in order to save for a house. So I decided to hold off until the end of the year and use the $100 that I was contributing to pay down my car. I really want my car balance as low as possible by the end of the year. I figure I am already paying an extra $100 how about making it $200. I just hope I made the right decision

Any how, I received a copy of my cancelled check so I am sending it to Equifax trying to clean up my credit; I am also filling out the loan papers through the credit union to refinance my car at a lower rate


$20 challenge

January 1st, 2008 at 08:50 am

Well using my debit card with ING for the month of December I earned $6.03 during their 1% cash back reward. So I added this amount to the challenge; first deposit for the year. I also rounded up some change to add as well.

$20 challenge year to date $8.06
New bal $7180.76

I also paid $180 on the cc bal, this was money my friends owed me

yep I did it

December 14th, 2007 at 05:43 pm

I reached my $7000 mark before the end of the year Big Grin I am so excited. This is a first for me to have money just sitting there earning interest. Now I have to reach $12,000 before April, that is my next goal...hopefully by the end of next year I would have $20,000 saved or more

We'll see

Going up slowly

December 12th, 2007 at 06:09 pm

Just checked my credit score and all but 1 went up

657 new--664 Transunion
639 new--647 Experian
622 new--622 Equifax
I am not complaining just a little dissapointed, just have to pay off the cc again and a few MD bills

I also upped my challenge today by adding my weekly $25 to $6761.73
I reaaly want to reach $7000 before the end of the year, but we will see

I just can't believe it

December 3rd, 2007 at 08:12 pm

Since I have joined this site I have been able to get my finances in order. I can't not believe that I am almost at $7000 saved. Just sitting there, I just can not believe. I am positive that there are a number of you who has three times as much but this is a big accomplishment for me I can't ever remeber saving so much money and not only that I can actually see my dreams of owning a home next year coming true, as long as I stay on the same path

I am just excited I WANT TO SCREAM!!!!!!!!!!

New balance 6652.23

Oops I forgot

November 17th, 2007 at 09:54 am

I forgot to add my weely deposit of $25 to my challenge, giving me a new total of $5071.85

Can't wait to get to $6000

I finally did it

November 16th, 2007 at 07:01 pm

Hit my $5000 mark, I am so happy. I added $41.54 to the challenge to reach my goal. I also paid all my bills extra on the CCs and still had $400 left. I even socked away about $300 tomy EF,X-mas accountand IRA so I am really happy

How I am saving money

November 11th, 2007 at 09:19 pm

Well I am really saving by not eating out, only once this month and that was because I was sick. Today I stayed in did not buy lunch so I added (well rounded up) my change of $.85 lol to add to my challenge

New total $4969.65 So I am happy

I also completed a survey for $2 but won't add until I get thefunds


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