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HOA

December 7th, 2018 at 03:54 am

Went to my first HOA meeting last night and boy was it a doozy. I went with the intentions of obtaining information only, meeting my neighbors but I became quickly upset as with other residents.

I was extremely annoyed that questions being asked by the residents to the board and the attorney was not being answered, no one had a copy of the bylaws. As I sat there I sent a email to the management company requesting a copy. It disgust me more that the attorney hired to represent the people appeared as though she was there to represent the board who told the residents they were not holding the meeting because they wanted to keep their seats. Unbelievable!

This is going to be quite interesting. I didn’t think that I would be too active but it appears as though I will be.

Other news, two days in a row I fell off the wagon and ate out. Ugh

I told myself that what ever I spent eating out I needed to add to CC9 so I’ve been doing so.

I reached out to my sister and told her I wanted the $50 she owed me. I’m taking this and adding to my sinking funds, home repair and HOA fund.

Last month I spent a $123 for work, found the receipt for reimbursement finally. I’d initially used the CC for this purchase but the credit card has since been paid off. I’m thinking I should add to my January mortgage payment (principal), student loans or pay down CC9. Who would have thought I’d be struggling with deciding which debt to pay off first. πŸ™„πŸ€¦πŸ½β€β™€οΈ

Second Job

December 6th, 2018 at 03:33 am

Aldi’s hiring event is today. I’ve only noted my availability for the weekends, pray for me that I get the job.

As a cashier the hourly rate is $12.70 and I think close to $18 as a manager. I really don’t care about which one is offered, so long as I land a job. The goal is to use all the funds from this job to throw at the student loans. I know I owe the money but the mere fact that when I pay extra it’s only to the interest it just burns me up.

In other news my phone crashed, I did trade it in for a new phone, the good thing is I paid cash. The bad news is it was $300. I did pricing refurbished phones πŸ“± , but this was cheapest (iPhone πŸ“±) with the series (7) and space. I know why an iPhone? It’s one of those stupid loyal to the brand thing. One of the reasons why I didn’t stop adding to the EF when I hit $1,000 was because I was saving for the day this phone crashed. I’d canceled the insurance last year, and didn’t want to be locked into financing with the carrier again. That process always seems like it takes you years to pay off.

Other than that I have nothing to report

Interest Rates Sucks

November 14th, 2018 at 04:14 am

Ugh interestπŸ™„. Received a new invoice for CC7 that included an interest payment of $80+ , I went ahead and paid it off. I hate when you pay a bill another comes with the interest.

Looked at my student loans, ugh and what I’ve found is that in order for the balance not to increase and kill me I need to pay an extra $200 a month on interest, this will stop the balance from increasing, breaking even until I pay off the last two CCs. Now that the other cards are paid off, I can do that and still pay bills and add to EF. I hate interest 😑.

I’m opening up a separate checking account for the mortgage, and HOA. Though I haven’t closed yet, I want to jump start on socking away for this. Closing looks like December, that will give me 60-days to put things away and have two months saved.

Yesterday I woke up and the cable was off. Smh. I lost it, I called my SO told him I wanted him out. Told him that I can’t keep doing this, that it was mentally, physically and emotionally draining. I told him that I don’t need nor want his bad financial habits to cause me to lose my house and that he needed to go.

Came home after work, and the cable was on but it doesn’t negate the fact that he pays everything late, every three months the cable is off, and he does the bare minimum. I want him gone!

This weekend I’ll be looking for a part time gig, since the holidays are rolling around, this should be easy. Plus I should be taking on another department, that will give me a raise of about $12k, fingers crossed

That’s it have a good one everyone

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

Just Sucker Punched CC4

March 30th, 2018 at 12:39 am

Just paid over $300 on the Target 🎯 bill, my new balance is $349.61. I should have this sucker paid off by the end of April, thank you Jesus.

I pulled my credit score with Transamerica and it was 698, not bad. Think my high score was 702. I noticed that as I pay these suckers off it's creeping back up. The jump is due to the decrease in high balances.

Back to Target, I'm going to be really annoyed if my payment isn't posted right away. They have a tendency of holding high payments. They actually suck, you can only make like two payments in a 7-day period, you can't add decimals. For example, I'd budgeted $348.76 but had to round up. No big deal but I like a balanced budgets, no over budget items just under. And lastly they hold large sums of payments. They make it extremely difficult to get your balance down.

It's 3:29 am and I've already spent the following:
* $196.08 Tithes - not negotiable
* $20 vacation club (savings)
* $211 JCP - minimum payment that include my AAA purchase
* $349 Target - debt snowball

Though a lot has gone out and I haven't cut the rent check yet, I'm thankful because one, I never thought in a million years that I could and would be faithful with my tithes. Secondly, with my raise and paying down debt, I've freed up over $500 a paycheck. Right now all you see are the payments but I'm about to add a total of $107 to my savings. All I think about is, when CC4 πŸ’³ is gone that will be another $50.

I'm so overwhelmed with mix emotions. I'm upset that I'm on this journey once again and I'm glad that I'm doing what it takes to no longer be slave to the lender.
I know it takes time and that I'll get there

Target CC Down

March 18th, 2018 at 07:16 pm

I went ahead and paid $37 on CC4 knocking it below the $700 mark πŸ˜„. I'm so excited, that I'm trying to think of ways to actually have it paid off before May 1st.

My quarterly goal was to pay off one CC per quarter, I've already met my first quarter goal but it sure would be nice to make it two, in one quarter. I'm not going to stress too much about it because I'm already on track.

I also added an additional $38 to the EF bringing the total to $1174. This is awesome because I want to save at least a $100 a month, and I've beaten that goal for March already πŸ˜„. In addition; I'd budgeted $65 for the truck registration and it was actually $49 so I'll be adding the difference to the EF.

On a different note, I have cut out TV, the best thing I could have done. I find that by not watching tv πŸ“Ί I get to work on time, and there's more time in my day. Next on my list is social media. I have however; been listening to a new podcast, Jen Hemphill, I like her. She discusses finances and interviews an array of people.

Lastly, the SO and I just finished up our bible study πŸ“–, I'm not sure what's happening but he's making some progress. I did end up asking how his week went with no spending and he said pretty good.

Edit to post. Just noticed that the funds for an item sold on Poshmark was now redeemable, $7.05, so I added this to my EF. I'm so excited. Things are trucking along. New balance $1,181.05

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

$1,000 Payment Held

March 17th, 2018 at 03:28 am

On the 28th of February I paid a $1,000 on CC4. I notice that my available credit after paying it hadn't changed, so I called the credit card πŸ’³ company. Well they were holding the funds.

Why would they hold the funds? Well I found out that if you make a large payment they hold your funds. This to me is the most ridiculous thing I've ever heard of. I paid it and it should be processed. Well they finally processed it yesterday, two and a half weeks later. Smh

I've updated my side bar, things are looking pretty good. As you all know, I'm not going on the vacation but I'm saving now for a laptop. I probably could have purchased a refurbished one this budget period but I decided to wait, it's not a must. I do like the idea of putting money aside so when I want a big purchase such as a laptop πŸ’» that's not an emergency 🚨, I can simply just purchase the item. Or maybe one day I can treat myself to a fabulous lunch, and a little shopping that's credit card πŸ’³ free. What I've found is that this program works but for me I need to do something nice once in a while or at least know that I can. Though I haven't done anything foolish since I've started, just knowing that I have the $100 to blow, if I get a crazy urge, makes me feel good. It's a process. Who knows, I may use this money to pay my CCs, that seems to give me the most pleasure. Who would have thought that paying down debt, gave you a natural high lol πŸ˜‚ too funny.

I know Dave says to save a $1000 for the EF and then tackle debt. But my car is old with over 200k miles. I drive about 60 miles round trip each day for work. So for me, I think I need to budget funds for the EF, even if it's $20. I want to have at least $6k πŸ’΅ saved in case I have to buy another car πŸš—. I'm happy that I was able to throw an extra $54 at it. This may slow me down a bit, but if my car breaks down rather than financing I'll have good ol sweet cash πŸ’°.

Sinking fund, well this was to be for car insurance, car maintenance πŸš—, Christmas πŸŽ„ gifts and sorority dues; unfortunately I've been using this account strictly for car repairs. I'm glad I have the money πŸ’° but I was really hoping to be able to pay my car insurance for six months. I have one more item to fix on my car, once that's done everything else should be good and come October I'll be able to pay the six months.

Oh SO, has challenged himself not to spend any money, seems like last week he did pretty good. I didn't ask but I'm happy he's at least trying.
That's it for now.

Nice Little Check

March 9th, 2018 at 07:24 pm

One thing I like about being an admin is that I'm able to view my check five or so days before payday.

Took a look at my check, and it's about $300 more. This include the raise and me changing my total withholdings. Best thing I could have done was read the instructions on the W4 form and completed the document more accurately. Why have a refund that's not earning interest for me, on money I earned, when I can use my money now? When you know better you do better. That's why I'm reading more and more books on personal finances.

Different news, I applied for a job and had a phone interview. The position is paying about $10k more a year and closer to my home. All went very well and I'm pleased. I was told that they'll be a second interview next week.

That's all the news I have planned. Tomorrow after my sorority meeting, I'll be revamping my budget. It feels good to know that CC4 will be gone soon

No Family πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Vacation 🌴 For Me

March 4th, 2018 at 11:11 am

Well I'm not going on the family πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ trip, I knew I wouldn't be going but was putting the money up just in case. I realized that a laptop is more important not to mention paying down my debt than going on a trip ✈️ 🌴

I did some researched and found a refurbished HP laptop πŸ’» at Walmart for $139. So just two pay periods away and I should be able to purchase one, cash πŸ’°. In the past, I've always put these items on a credit card πŸ’³ and bought brand new. Well it feels so good to know that I can cash flow things and know that refurbished is just as good as new.

Though it's not a must that I buy the laptop πŸ’» and I probably won't, I've learned to wait three days before making a purchase and that is why I'm so happy.

On a different note, I created the sinking fund for Car insurance, car repairs, gifts and sorority stuff. But I've spent everything on car repairs. First brakes and next alignment, and tire rod. Now I have save up for a motor mount πŸ€¦πŸΎβ€β™€οΈ

Car Repairs πŸš—

March 3rd, 2018 at 01:47 pm

Took my car in for service and was annoyed because they had it for over 6 hours and no one called me.

Not to mention they provided a service that I did not agree too, but knew I needed. Long story short the bill went from $509 to $317 (including tax) and I was able to cash flow the services.

God blesses those who are good stewards

Car Repairs πŸš—

March 3rd, 2018 at 01:18 pm

Took my car in for service and was annoyed because they had it for over 6 hours and no one called me.

Not to mention they provided a service that I did not agree too, but knew I needed. Long story short the bill went from $509 to $317 (including tax) and I was able to cash flow the services.

God blesses those who are good stewards

Not Every Discount is Worth It

March 3rd, 2018 at 06:26 am

Thank God for a sinking fund. Took my Camry in for a tire rotation, balance alignment and repair of the right tire rod. The car πŸš— is paid off with 222,356 miles.

I met a mechanic at the shop the last time I was there, who told me he did side work. But when I called him he wanted me to come in on a day that was slow, and his bosses weren't in. I'm thinking, I thought πŸ’­ you did this at your home? Though I contemplated taking my car to him to save money πŸ’°, I knew it was wrong. This is stealing, and God has been too good to me, so I took my car in for service and am prepared to pay what it costs in cash πŸ’΅

Hopefully the service isn't more than $400, because that's what I have in my sinking fund. I'm just waiting for a call back with the estimate.

Next, I was approved for the loan of $112k, closing must occur no later than June. I can't wait to sell the house and pay off my debt. I'm so thankful because, after paying off the debt, I'll still have money πŸ’° (20%) for the down payment. As well as a pretty decent EF. I can then get rid of the SO, my mortgage is estimated at about $350 less than rent. I'm going to cut the cable off, and start saving and living like no one else 😊.

This next pay period CC4 should be gone and then it's onto CC5. I'm so glad I started this debt pay off, that way I'm not using all my money from the sale to pay off debt. Feels good to finally see some progress.

On a different note, this month's book πŸ“š is "Stop Living Paycheck to Paycheck" and I absolutely hate it! I'm almost done, I hate starting things and not finishing. The author encourages use of credit card and a line of credit, absurd. If I'm living check to check, that means one have not nipped their behavior in the bus and you're recommending credit card πŸ’³ use, ridiculous.

Car Accident, Again

March 2nd, 2018 at 03:14 am

On my way home today, feeling pretty good and I'm stopped due to traffic on the freeway. Well next thing I know is I hear boom! Some guy hit my car πŸš—

Thank God I was not hurt or my car damaged, I just fixed this stupid bumper. πŸ€¦πŸΎβ€β™€οΈπŸ™„. They guy jumps out yelling all is well, well I needed to see for myself. I got his tag, photo of his ID and his number. Tomorrow I'm taking the car to the shop to have the bumper checked.

These last few months have been nothing but a headache.

Only thing that seem to perk me up, was looking at my March 15th budget. Looks like, I've freed up a enough cash to pay about $300 on CC4, wow! So excited. I might be able to do $400, depending on how my raise and change in deductions impact my pay. But even with $300, I'd knock it down close to $400 and by April it would be paid off. Good thing about all of this is that, I'm less stress and would have met and went beyond my first goal of paying off at least on CC.

Hard work pays off

Book Number 2 is Done

February 28th, 2018 at 03:32 am

Well I finished my second book πŸ“š of the year by the skin of my teeth. Lol, didn't think I would so I buckled down the last two days.

As I listen to Dave Ramsey daily, all I hear from millionaires is that 1) most only have a bachelor, I have my masters; 2) all live below their means, I just started this and 3) they all read something like 20+ nonfiction books a year, I'm not even close on this one.

So 2 out of 3 isn't bad lol. I'm trying to get there and I think it can be done, so long as I have a vision with goals.

This month I read Michelle Singletary's "21 Day Financial Fast," most of her teachings are pretty much the same as Dave, except that she tells us to add money to the EF, even if it's $5 a month. I do this, it drives me nuts not to add something. I just cut other areas.

Next, I'll be reading "Stop Living Paycheck by Paycheck." The book had great reviews and I'm excited about it

Adulting (?)

February 26th, 2018 at 10:40 pm

Adulting is a termed used by those who are being responsible, I guess I finally made it lol.

Today I printed out a W4 at work and actually read through and made my adjustments. Rolls eyes πŸ™„

When I first started working, 30+ years ago I was told by an adult to always place zero on the document so that my tax refund would be nice. And so for years I did. Then I changed my withholding to two. But I sat down out of the blue and decided to read and follow the instructions for myself on the form and my actual withholdings should be three.

I'm so frustrated, not with anyone in particular but the fact that I was never taught about finances, not by parents, educators or mentors. I mean indirectly my parents always said to save and pay your bills, and I pay who I owe on time, but never taught about money.

I sit back and I reflect on the following
* taught myself how to balance a checkbook after always bouncing checks (early 20s)
* Mid 40s finally decided to review my allowances
* Paid off debt due to being frustrated but five years later back in debt, what did I learn?
On thing I was taught, and that was to do my own taxes. I've never paid anyone to do my taxes since I was 16. My economics teacher taught us how to complete a 1040EZ. I would go to the library pick up the documents and instructions for free. Now I use turbotax to complete my returns but I'm thinking of going back to good old pen and paper, it's free.
It's just amazing.

To change the subject we met up with some friends yesterday. They asked how the wedding planning was going, I said it's not going because the SO refuse to get on a budget and do right financially, and that he waste money. The SO said that I'm getting to be too cheap. They laughed but I didn't find anything funny.

So this couple goes on to tell us how they decided to put a $1000 away a month, I thought that's great, I'd love to do that. But then they go on to tell us that they purchased this new truck, Volvo, with all the bells and whistle and paid an extra $15k because they wanted the 2018 vs the 2017. Now mind you this truck starts at about $46k, I couldn't help but think I would love a new car but I don't know about spending that kind of money. They went on to tell us that they bought a condo, that's not rented in Vegas and it's only about $700 a month. I don't know a part of me was happy for them, jealous and then sad all at the same time. I couldn't help but wonder how much debt they must be in.

Well, my word for this year is gratitude. I have to remind myself that things (debt) do not make me happy. And though things may look great for others, and they may very well be, it's just not my season.

Things I'm grateful for, not in order of preference :
1. A roof over my head
2. Paid off car πŸš—
3. Paid off 3 CC πŸ’³
4. This group
5. Time spent with dad
6. Eyes finally open about my finances
7. Clothes
8. My job
9. My health
10. Family and friends
11. God's grace and patience with me
12. No more depression, thoughts of suicide- haven't had this in a while, thank you Jesus
13. No more getting upset when things don't go my way. I'm not saying I'm not disappointed but I just don't dwell on it


Screw You Credit Score

February 24th, 2018 at 03:12 am

Yesterday I applied for a pre-approval for a mortgage and was denied. Though my score was high I had too much debt vs my income. I was down but not to the point in that I was worried or very upset. I don't know why, but I wasn't. I just figured, God was not ready for me to purchase yet. Or he's teaching me that things don't make me happy, it's the freedom that he wants us to have that does.

Basically, I have a house in my name, and student loan. But was told if I pay off the cards and close them all is well.

So once I get the money from the sell of the house, I'll be paying off every single credit card.

Yesterday I received a $7k a year raise after I spoke with the bank and being told I don't make enough. I changed my withholdings so that I have more of my money to do what I need to do vs Uncle Sam and getting a nice refund each year. I've never done this before, because I'm always afraid that I'll owe. But I realize it's better to have my own money, pay my debt vs Uncle Sam. Not to mention, I plan on changing it back around in August so I should be fine.

Today I checked and my tax return should hit my bank account next Wednesday, that means that CC4 will be pretty much gone. Then it's on to number 5. I also sold an item on Poshmark making $16. I'm excited about this. As you all know I've been having a hard time selling things.


The SO finally gave me the money for the plot that he owed, I mailed a check off last night, so he's caught up and that means next Saturday I can transition the debt to him, freeing up $2k. Ugh this has been a nightmare but at least I can get rid of it now.

I realize that a credit score is simply a debt score as Dave Ramsey says, it means nothing if it's high and you make no money. You're just in debt πŸ€¦πŸΎβ€β™€οΈ

CC3 is Gone!

February 15th, 2018 at 04:49 am

Finally CC3 is gone! This was the City Furniture bill, over $6,00 in furniture that the SO only help pay twice, I think, once I know for sure. Never again, will I finance furniture. What I have now will last me the rest of my life. Lol

I went to bed, and dreamt about paying this card off today. It's pay day so I'd budgeted to have this bill paid. Good thing about it is the new bill actually generated last night that included any finance charges, so no surprises next month.

OMG! I'm finally free of this debt. Onto CC4, Target Visa. I should have this one paid off by the end of March. My goal was to pay off one CC per quarter and it looks like I'll have two in the first quarter of the yearpaid off.

In other news, my sister called wanting to know if I'd pay the closing cost, if she purchased my dad's house, I told her no. I'm not getting into that, you want it, you pay for it

I spoke with a loan officer, and she told me to hold off from paying my debts off too quickly, I thought this was weird. If I have the money, I'm paying them off

Checking in

February 14th, 2018 at 03:41 am

Hi all πŸ‘‹πŸΎ

It's been a minute but I have a lot to post.

Finally went to court and got the approval to sell the house. Could have sold it to the investor the same day but my big mouth sister got up and started crying and carrying on so the judge opened it up for bidding. Now I have to wait 30 days for offers and close with in 45 days. πŸ€¦πŸΎβ€β™€οΈ

Next I fell off the wagon with my budget, buying planner stickers πŸ€¦πŸΎβ€β™€οΈ

I finally got around to starting my taxes and it looks like about $1500 will be received, I'll finalize everything this week but if that's the case all is going to CC4.

This week, thank God CC3 should be paid off. I worked in this next budget period to knock it out. I'm so happy this mess will be gone.

I met with a realtor regarding the condo and what the owner is asking, she informed me that the $140k is below market price so it looks like this is the place.

I started my February non-fiction financial book and it's pretty good. It's Michelle Singletary's 21 Day of Financial Fasting.

Lastly, my manager was fired so literally we are on our fourth manager within one year smh. I had to start the process over asking for my raise. I was told that I should know by the end of the week, prayers please.

That's it so far

Today's Progress

January 19th, 2018 at 12:28 pm

Rolled my coin today and have $27.50, this is great because I've already paid tithes on this money.

I only need about $3 to have my BS1 back up to par, so I'll add the money for that.

I was thinking about adding the difference to CC3 but I think I'll add it to my sinking fund. I have the car insurance coming due in April and another pre-Dave event that I paid for early last year coming up πŸ€¦πŸΎβ€β™€οΈπŸ™„.

I posted the tennis hopper with balls for $15 for sale, hopefully it sells. I have three more items (2 pair of jeans πŸ‘– and one dress πŸ‘—) to post. I'm slowly but surely decluttering the house 🏑, while hoping to make some money.

I also, applied for a job today. I've exceeded my goal of two a week. Hopefully the right job will come along. I'm looking for a great manager, close to home and decent pay.

Update: received a response on the camera I posted for $40. The buyer wanted to meet at the mall but I said nope, police station only. She agreed so we will be meeting later. $40 to the snowball or sinking fund 😊, not sure yet. I'm just glad that I was able to tentatively sell an item. $4 of course will go to tithes.

Just thought about it, I have to add the funds to the sinking fund. Chipped my tooth last week and have a dentist appointment to have it fixed. Last night it started to give me a little trouble

Upped EF

January 13th, 2018 at 11:48 am

I was able to cash the check, thank goodness, this was a nightmare (see Sprint post) and glad it's over.

After paying my tithes from the check received, I can add about
$190 to the EF bringing the total to about $994 just $6 away from my mini EF.

I was so stressed out last week about taking the money out of the EF; however, I'm a true believer that it was all God. I made it a point to pay my tithes with every extra income I had received and though I'm upset for a few minutes when things occur, a calmness then comes over me. The only thing I'm anxious about is getting out of debt and saving money.

Today we're having a chapter meeting and was asked to provide non-perishable items. Normally I'd go out and buy items, I simply took what was in my cabinet that I have not used and don't plan on it any time soon, and bagged it all up. Loving this being intentional with your money concept.

This Year Has to Get Better

January 12th, 2018 at 05:20 pm

Annoyed as all get out.

My boss has not said one word to me about my salary, I was suppose to know something last week.

I finally received the Sprint check for the full refund, they did not charge a restock fee but it's written to my middle name. Hopefully the bank will cash it. I can throw this money in my EF and that will put me back at the $1,000.

Today was payday, and I was planning on paying off CC3 but since the whole break thing, I couldn't, so I'm bummed about that.

I realize today that the woman never called me back about the plot, so it's on my to do list.

So that's it in a nutshell, hopefully things will start to look up.

Paid Down CC3

January 4th, 2018 at 09:31 am

Whew with the money SO gave me I used and paid $90 on CC3 , new balance $299.00.

Now I'm just waiting on the Sprint check to come to hopefully pay this sucker off. No more financing furniture for me.

My boss is suppose to be submitting a request for a raise for me, we will see. I do have an interview next week paying more and closer to home.

What a Day!

January 2nd, 2018 at 05:18 pm

What a day!

Completed my daily devotional, went to church to serve for a bit.
Tried taking those earbuds back and was told to comeback because the store did not have cash, what!
This so annoyed me, going back tomorrow. Stickers for my planner, and went to both Aldi's and Publix.
All items were budgeted so I'm okay with it.

Tomorrow I'm back to the office. The good news for me is that mean/idiot woman of a manager was let go today. Though I hate for anyone to lose their job, she needed to go. I'll be asking for my raise that she cheated me out of.

SO other keeps bugging me. I say to him, when are you going to figure it out that I'm not happy? Until this foolishness of wasteful spending is under control and my expenses that you're responsible for is caught up it will never work. I tried having a conversation and he just walked off, saying "okay". WTF!
I then say this is the issue, you never want to talk about finances that is the problem that I have with you. πŸ€¦πŸΎβ€β™€οΈπŸ™„

Tomorrow I'll be retiring those stupid earbuds and adding to CC3 hopefully this will knock it down to about $239
Edit:
Out the blue SO came over said he wants to get married and he understands my frustration. He says he heard me the few 100x before. He goes on to say "are you sure you want me on this ride?" I explain it's not about me. He has to want better and live better and that it's up to him and I will not marry, or continue to live like this. I'm done, you can say what you want but actions speaks louder than words. I guess he's thinking it's my birthday and I want gifts 🎁 . Only gift I want is the debt gone.

On to other news, a really good friend sent an invite for a birthday bash on a party bus. Though I would love to go, I'm not. It's $30 for the bus and then I would have to turn around and provide a gift. Nope not doing it. I'll regift a bottle of wine 🍷 that was given to me, and say happy birthday. I'm done βœ… with doing things that throw me off track.

CC3 under $400

December 30th, 2017 at 05:23 am

I did it, I used the buffer in the checking account and paid $112.67 on CC3 to knock the balance down below the $400 mark, new balance $399.00.

I'll admit I'm nervous about not having the buffer but, I want this card πŸ’³ gone! Over $6,000 πŸ’΅ in furniture purchased with no help, as promised, to pay for any of it. And now, today, it's just under $400. OMG! I thought I'd never pay this bill off, now it looks as though late January I can say goodbye and good riddance.

Next on the list, is to head over to the grave yard and remove my SO account from mine, I'll even eat the cost if there's one to get his name off. For about eight (8) months when we first purchased I paid, I finally had a breakdown and he started to pay but he's always late. I told him I was not going into the new year with this mess, his mess. I'll be lying πŸ€₯ if I didn't say a part of me feel bad πŸ˜”, but it's the right thing to do, other wards, I'll begin to resent him. It's for this best, especially for the move.

Last night we were chatting and I'm not even sure about what and how the subject of money πŸ’° came up but it did. I said something to him along the lines of, " do you realize that if something was to happen to you, that I couldn't take care of you or me?" He then said, " I could do it." I said, "How? You have no money saved and you pay nothing on time." He then said, "wow talk about putting me down." I felt bad but thought πŸ’­ , why? It's the truth. If he got hurt and couldn't work, there's no way I could take care of both of us. Hell when I wasn't working, I depleted my savings because he couldn't pay the household 🏑 bills by himself let alone my other bills.

It's a tough journey but I have to stay focus.

Instead of saying I want, I'm now saying I will retire at 57. Plus you all do a good job at not sugar coating things, and keeping me accountable.

Good riddance CC3 and plot!

Paid Down CC3

December 29th, 2017 at 10:02 am

Bought my one ticket for the season game, SO didn't give me his money, but he has until the 5th to lock in at the current rate. Either way I had my money so I bought my ticket. I was thinking about holding off purchasing the parking pass, but opted to go ahead and do so since I budgeted the money for it already.

Honestly it felt weird, only to buy one ticket, not using a credit card and sticking to my guns. However; I realized that the only way he'll take what I'm saying and doing seriously is if I actually show him that I mean business.

I went ahead and transferred the $74.33 from the EF to my checking account to apply to the CC, new balance $511.67. I'm waiting on some things to clear, and making sure nothing pops up before I use some of the checking buffer funds to knock this card down to about $400. I want this thing gone.

So far I've posted 3 items dirt cheap and no takers, ugh. I'll be posting at least one item a day, as I declutter the house. Hopefully I can get some takers.

Lastly, I received a free calendar from the grocery story. I'm going to stick this to the refrigerator and note when the joint bills are due, that way they'll be no excuses. Not sure why I haven't thought of this before.

New Budget Period - Can You All Provide Me Some Advice?

December 28th, 2017 at 05:06 am

New budget period started today. Added the funds to my sinking fund ($117.70 first time ever), I couldn't help but wonder if I should add this amount to CC3. I did pay an extra $114, knocking CC3 down to $586; however, I want this thing gone!

If I add the sinking funds to the CC debt instead of saving, I could have this credit card πŸ’³ paid off by mid-February. My 2018 goal is to pay off a CC each quarter, so I know that this will be gone soon. However, the drawback of using the sinking fund is that, I wouldn't be socking away the car insurance, and will continue to pay monthly, that I hate. In addition, I wouldn't be putting away for car maintenance, dues, and Christmas/birthdays. What would you do? Put the money towards debt, and then catch the sinking fund up? Or keep adding to the sinking fund, while paying extra to the debt?

Stay focus, retire at 57!

December 27th, 2017 at 04:21 am

So after the good laugh, things went a little sour, for me anyway.

The SO other bought me some PJs from Victoria Secret, two pairs for about $50 each. Trust me I thought about asking for the receipt and taking those back.

So I showered and put on a pair. He comes out and start rubbing on my back saying things like, "don't that feels good, nice and soft. Should I have gone to Walmart and bought you a cheaper pair? Should I have taken these back?" I immediately began to feel bad. I bought him his PJs, $5 at Penney's for the bottom and $5 for the top at Walmart.

I then said to him, "you don't appreciate anything nor do you understand the struggle. I'm in debt, and I no longer want to be!" This whole thing, really got to me, to the point I had to write in my planner, "let no one make you feel bad enough that you lose focus. Retire at 57!"

I'll be the first to admit, I'm sad, disappointed and a tad bit discouraged. Every year I use credit card to purchase things for him, I honestly didn't want to exchange gifts. I told him that and he insisted. This was the first year I cash flowed Christmas as was feeling great about it and here he comes with the negative vibes. My birthday is next month, I'll let him know not to buy me a thing; however, if he insists I want cash.

Fast forward, we realize that our cameras aren't working. SO other calls a friend who tells us that we have two choices, call Samsung or go o Amazon and buy a box.
Well after the friend leaves, I tell him, I'm not purchasing a thing. I'm still paying on the CC from 2 years ago when I purchased these cameras that he shows every Tom, Dick and Harry when they visit and haven't given me one cent on the purchase. I can guarantee you, he won't replace the box, he's broke from Christmas. I can replace with my buffer funds but won't, I'll be replacing when I move. I wanted to say, those $100 PJs don't look so nice now don they?

Crunching Numbers and Setting Goals

December 26th, 2017 at 06:05 am

Woke up this morning setting goals and crunching numbers.

After listening to the "Millionaire Next Door" I realized that I'm broke. I knew I was broke but not BROKE! If that makes sense.

Here it is my goals, it's going to be tough but I can do it!

Life Time Goal is to retire at 57.

My 2018 Goal (yearly) is to pay off four ( 4 ) CCs πŸ’³ by the end of the year. Basically one each quarter. The total amount due on the four (4) lowest CCs πŸ’³ is about $6867. To pay four off over the course of the year, I need to throw $286 each pay date to the CC. Back to crunching my zero based budget for the next two pay periods. I got to find the money somewhere. What's good about this is CC3 should be gone by end of January freeing up some money. And then a little tax return to throw at CC4 to free up some funds as well.

My first monthly goal,January 2018
is to not eat out, for anything, that includes, breakfast, lunch, dinner and the vending machine at work. No dining out, period.

My daily goal is to check off an item on my chore list daily.

Next I realized that my sinking fund is missing some items πŸ€¦πŸΎβ€β™€οΈπŸ™„. I decided not to add those items because I realized by doing so I won't pay off any debt. I just need to learn to budget those items in.

Sinking fund
$1200 car insurance
$100 Birthdays
$600 Christmas (includes gifts and holiday party)
$500 car repairs (e.g oil changes)
$425 Sorority Chapter Dues
Yearly Sinking Fund Total $2,825
To be Deposited each pay period, $117.70

In other news, SO.
For Christmas be bought me these $200 ear buds, $100 perfume I like and maybe about another $100 on PJs from Victoria Secret. He gave me the gifts in front of his mom. I really hate when he does that because it means I have to open them. Well I feel obligated to.

Long story short I did not want to open the ear buds, his daughter ended up opening everything and putting it together. I knew if it was returned there'll be a restocking fee. When we got home last night I asked him what he paid. He gave me the receipt, $213. I told him to take them back. I said to him, there's a past due cable bill again, rent is coming due and just the other day he said he didn't have any money. Well he tells me he's not taking them back, that he was alright and wanted to do something nice. I'm like he just don't get it.

Today he took ten people, well nine (I didn't go)to breakfast because his dad use to do it when he was alive and now he feels obligated to continue the tradition. This cost about $180 plus tip, so call it $200. It's ridiculous; but I can't tell him how to spend his money, I'm just not going to participate in rubbish. I have an interview today and used that as an excuse.

Prior to leaving, he tells me he had a dream that the mother's car was repossessed. Well we know she's just as bad at paying bills as he is. I asked him if he paid his mom's property taxes, he said yes then goes on to tell me how difficult it is to run two households. I don't say a word at this point, he refuses to sit dow create a budget and take over the business. I'm not sure what he's going to do, this will be the first year he pays taxes. He has yet to meet back with the accountant to go over things. It's going to be an eye opener for him. As for me, I just start back looking at my goals and crunching numbers, not much else I can do.

Hopefully with a new job paying more I can make some traction.

Annoyed with CC3 So I Knocked It Down!

December 24th, 2017 at 02:44 am

Checked the balance on CC3 and it was $729.16. The $29.16 annoyed me so I added this amount to the card πŸ’³, new balance $700.

I'm hoping to get this card down to $600 before the new year, maybe even $500. My next two budget periods are very lean and I have a $300 buffer in my checking account. I know, but for me this gives me a peace of mind. I'm so afraid that if I don't keep a buffer I'm going to use the CCs πŸ’³. I'm also afraid to cancel them. Once I hit the $3,000 mark in the EF and pay off a few more CCs πŸ’³ I can say whew, close out the accounts and not keep the buffer.

The buffer is primarily because I live with the SO, and most of the time he doesn't have his share of the rent until the second or third, that drives me crazy because it's due on the first. I'll be the first to say, I'm no pro with money, but I've always been super good about paying my bills on time. I hate paying late, and any late fees associated with it.

One thing that I'm excited about is, this is the first time I ever created a sinking fund (saving for a want and need); and come January 3rd I'll be using the funds to purchase my season ticket, cash. Notice I said "my" and "ticket" meaning one ticket and with cash.

Normally, I'd purchase both mine and the SO tickets using a credit card, I'll tell him and he'll say, "I'll give it back to you." Months go by, no money and I've racked up the credit cards, I've done this three years in a row. I've shared and reminded him that his share is due by the 3rd. The thing about it is, if he has his share it will save me $30 . For six tickets it's $60 plus an additional $60 for the parking pass, total $120. If he buys his, the grand total then turns to $180, We would split this in half to $90. Either way I'm prepared. It's cheaper to buy the parking pass than paying upon arrival.

I can guarantee you, he won't have his money. I'll admit I'm a little nervous but this is a tough lesson he's going to have to learn. I cannot and will not keep footing the bill. I know him, when he learns that I only purchased the one ticket he'll say "wow" and think that I'm being selfish, not realizing that at the age of 45 soon to be 46, I'm teaching him a valuable lesson, as well as myself.


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