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NSD

June 19th, 2018 at 03:47 am

Wow yesterday was my first no spend day in weeks. I had a half bagel, with some grapes 🍇 and a water for breakfast.

For lunch I had left over meatloaf and dinner a pot pie 🥧.
Since I’m back on the NSD challenge, I’m adding $6 to CC6. Now that I’ve got CC5 down, and will be paying off the end of this month, it’s time to tackle number 6.

I hope today can also be a NSD

COBRA

June 8th, 2018 at 05:29 pm

This is the first time that I’ve ever left a job and could afford COBRA. I received my COBRA notice from my previous employer, and it was $384.25, I added to my budget for the next pay period, next Friday to pay.

Wow, just being able to do this, shows that I’m on the right track. Even after paying this bill, and others, I still have $300 left to add to CC5.

This is such a great feeling.

The Struggle is Real

May 24th, 2018 at 08:45 pm

I know that Dave says $1,000 for emergencies but I need at least one month of expenses stashed away, and that total comes to about $2500. Though I split the bills (e.g. Rent, water) with the significant other, I'd rather have the full amount because you never know. I'm socking away $100 a month to the EF, plus anything extra (e.g Poshmark sales, iBotta). I'm also adding to the car maintenance fund and other sinking funds, all in all I save about $400 a month total.

I know some would say that this isn't the DR way but it works for me and it gives me a peace of mind. I did my debt free journey once before without Dave, only thing I did wrong was get caught up in living like everyone else. I found DR after and I'm staying focus, vowing not to go down this path again, besides I'm too old for this foolishness.

I need to figure out how to pay an extra $200 a month on this student loan to stop the bleeding. Once I get the EF to about $2500 I should be able to.

I don't know, what I see happening in this country scares me. Yes, I'm a conservative but I don't like what I'm seeing, home prices are going back up and companies are laying off. This is probably why I've shift my attention so much to paying off debt and saving. When the last recession hit, I was debt free. I had a nice savings. All my friends were panicking, I took a trip to Puerto Rico. My goal is to knock out what I can. When the house sells, I should be able to pretty much take care of all my debts, and they will be gone with maybe the exception of one student loan.

While I see my friends on Facebook doing great things, new cars, new houses, $1000 iPhone, trips, etc I know that pretty much all are drowning in debt. They think that it's all good because they're able to pay their bills every month, but yet they're just one emergency away from mess. Not me, I'm done.

Well it's late, I'm going to try and finish my May book, "Rich Dad, Poor Dad, before the end of the month. It's okay. I don't agree with every but at least I'm able to take some things away.

Possible New Job

April 21st, 2018 at 06:54 pm

As you all know, my job is very stressful. I have the opportunity to leave, but it's basically the same distance (30 miles each way) and terrible health insurance ($5k deductible or $2500).

Long story short I'm struggling with what to do. The new position would be a mangers role and less people to deal with but the pay sucks. It's a nonprofit. I asked the hiring manager if they'd consider increasing the salary and she stated after 90 days but I don't know. I'm like I may as well
stay where I have some flexibility

Tax Return and CC4

February 28th, 2018 at 12:52 pm

OMG, I received my tax returned and I paid $1,000 on CC4, it feels so good that I actually want to cry. By next month, this card should be gone.

I really wanted to take the entire return and pay it down but I need an oil change, tire rotation and a tire rod on the car. It just feels good to cash flow things.

I can't wait to get this debt gone!

CC4 is Gone

February 15th, 2018 at 04:38 am

CC4 is Gone

February 15th, 2018 at 04:38 am

$744 a month in CC

October 15th, 2017 at 06:16 pm

Sitting at my desk updating my spending spread sheet and realized I spent almost a grand on paying CCs.

It is absolutely ridiculous what I pay in credit card debt. This pay period alone I paid out $744. I'm so disgusted. I don't even know what I bought and when. 😡🙄🤦🏾‍♀️

$744 can be used for other things like saving for a house, car and retirement and I'm paying this amount on DEBT!

I think the positive thing out of this situation is that I realize it's ridiculous, I've stopped using the CC and I at least have money to pay the bills every month.

Once I hit baby step one of the Dave Ramsey plan I can start tackling this debt, I can't wait.

I've upped my saving amount from $30 to a $100 the next pay period. Reducing spending in other areas.

Irma Update

September 10th, 2017 at 01:07 am

Hello all!

Just wanted to check in and let you know we are okay. We have button up the villa and have our supplies.

Irma is at the lower Keys here in Florida but we are definitely feeling it's impact in Palm Beach county. We are under tornado warning, please keep us in prayer

Preparing for Hurricane Irma

September 4th, 2017 at 03:12 pm

Preparing for Hurricane Irma is exhausting.

We were able to get our Hurricane supplies but I just feel like I need more. Having gone through, Andrew, Wilma, Francis, Jean and Katrina you just never know. You can be prepared but contingent upon what happens you're not prepared enough.

Please keep us in your prayers as we brace for these storms

Prayers please🙏🏾

April 12th, 2016 at 04:36 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

Date night

January 31st, 2016 at 08:23 pm

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?

January 31st, 2016 at 05:50 pm

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.






Happy New Year Savers

January 3rd, 2016 at 05:40 am

Happy New Year to my entire SA family, wishing you all a prosperous and healthy 2016.

I started the year off with my first ever vision board. Items still on the list, save money, debt reduction and owning my own home. I need to go back and add blogging, when I don't blog I always get side tracked.

To be honest with you, I'm glad I did this.

IRA Challenge, anyone have one?

April 24th, 2015 at 07:36 pm

I realized that I have a challenge for everything. For example, 52 Week challenge, $20 Challenge, No spend day challenge, step challenge, but I do not have a IRA/retirement challenge.

I have decided to add an extra $5 to my IRA for every CC that is paid off but I wanted to know if anyone has a challenge for retirement and would like to share?

Happy Thanksgiving

November 24th, 2011 at 06:49 pm

Woke up feeling very thankful for the following:
-another day
-family/friend
-a job
-health
-back on track to financial freedom
-a roof over my head
-food on the table
-clothing
-happiness
-many more things

Just wanted to say yes I am thankful and hope everyone had a great Thanksgiving



Happy Mother's Day!!!

May 10th, 2009 at 12:28 pm

Just wanted to wish all you mom's a Happy's Mother's Day!!!!!!!!!!!

Happy New Year

December 31st, 2008 at 07:09 pm



Just wanted to wish every one a safe prosperous New Year

Finally

August 10th, 2008 at 07:13 am

Te dentist finally called me regarding my bridge so I am meeting his wife at 11:15 today. I prefer her but I think she is no longer working any more which sucks. He's a nice guy but I think nice simply deosn't cut it.
Any how I a plan on hitting the beach today and spending my entire day there. Thursday I was there all afternoon and had the best time

I forgot

May 4th, 2008 at 07:16 pm

I forgot to note that my sister finally paid me back the $100 she owed. She called me out of the blue and aked "don't I owe you money?" my response "yes" and then hers "Oh, I forgot" how do you forget that you owe some one $100? Anyhow, I knew she would pay me but it was a matter of when
On a different note the purse I paid $250 for I posted on ebay with a reserve, if I can sell it at the reserve price I would actually make money, if not it is going back to the store. I have my fingers crossed

Working hard

May 4th, 2008 at 04:24 pm

I am working hard on trying to get everything situated before I actually apply for a home. Anyhow I was going through all my paper work looking for a possible doctors bill that I was going to pay off. As I was going through the paper work I found an explanation of benefits from my health insurance that paid $51.20 leaving me a balance of $12.80. So I thought I did not pay a $13 bill? This is crazy. So I looked back on my money file keyed in the amount to search and guess what? I did pay it. But the problem is I have to call the bank and probably be charged more than what the bill is to get a copy of the check but if I want it removed then I guess I have to pay. But now that I think about it, I think the bank allows you two or maybe one free check a month. There is also another bill from the same agency and now I am thinking I paid this as well, but I will have to all my insurance company for a copy of the explanation of benefits and begin my search from there once I receive it . So I am happy things are looking up

On a different note I went to Mrs. H memorial service today and the family were so nice to me. I guess the realize that I love their parents just as much as they do and it made me feel really good that they accept me as a friend or even a long lost relative

Not sure what to do

May 4th, 2008 at 07:48 am

The city in which I live in is offering grants for first time home buyers, upto $50k which can be used for a down payment or closing cost. It is based on first come first serve, and fire fighters, nurses and teachers gets first dibs. However, I have a few little things that I need to clean up on my credit before applying for a mortgage but I am wondering if I should ago ahead and apply for the grant. I am nit really ready to move until December or next January.
Here is a quick overview:
The XXX Community Redevelopment Agency (CRA) teamed up with developer Cornerstone Group to include affordable housing at XXX, a masterplanned luxury condominium and townhome community located in XXX.
Here is a quick review:
Through the joint financing effort, income eligible buyers can qualify for as much as $160,000 in financial assistance on a condo or townhouse. With up to $60,000 developer contributions, up to $50,000 in funds from the State Housing Initiatives Partnership (S.H.I.P.), and another potential $50,000 from the CRAs Homebuyers Assistance Program, the price on a $279,990 threebedroom condo can be reduced to as low as $119,990.


Located at XXX, The XXX offers 180 two and threestory townhouses and condos at market rate prices ranging from $279,000 to $299,000. 50 units as affordable housing for people who meet certain income guidelines are designated Applicants income cannot exceed 120 percent of Palm Beach Countys median household income relative to family size. For a family of four, that would be $77,280.
So what do you think? Should I apply or wait until I am actually ready to move in Dec/Jan

Huge mistake

May 3rd, 2008 at 09:18 pm

Well I did some shopping Frown and spent $250 on a handbag that I will be returning tomorrow. I knew then when I was buying the bag I could not afford it but I wanted it and used my cc. What in the world was I thinking? I bought a shirt and a pair of sneaks that I really did not need but wanted. It's tough but I have to hang in there because I want a house and a $250 handbag I can't live in

Payday

April 30th, 2008 at 06:34 pm

Today was payday and I paid my cell phone, car note and internet bill; and it seems like I am broke again. Cell phone was extremly high because people keep text messaging and I have asked that they not do that so I am going to have to take action and have them blocked. I paid an extra $100 on the car, I figure if I do that I can get the principal down before I apply for the home mortgage. I am also going to apply for refinancing today to try and get a much better rate. $30 went to EF, $50 to house fund, $50 to IRA and $10 misc. account
This months spending...really bad this month
Expense Categories
Automobile : Car Payment $276.78
Automobile : Gasoline $171.10
Automobile : Maintenance $55.00
Automobile : Supplies $11.90
Bills : Cable/Satellite Television $71.53
Bills : Cellular (May included) $175.53
Bills : Electricity $118.19
Bills : Online/Internet Service (May included) $122.03
Bills : Telephone $41.23
Bills : Water & Sewer $44.84
Charitable Donations $60.00
Clothing $46.48
Dining Out $68.30
Education : Supplies $0.80
Gifts $9.13
Groceries $149.61
Healthcare : Eyecare $106.99
Healthcare : Prescriptions $15.00
Household : Furnishings $4.99
Household : supplies $6.87
Leisure : Books & Magazines $14.00
Leisure : Newspaper $1.25
Miscellaneous $431.27
Personal Care Unassigned $19.28
Personal Care: Dental suplies $8.97
Personal Care: Feminine Products $9.66
Personal Care : Hair $85.00
Sales Tax $10.91
School Supplies $4.08
Taxes : Federal Income Tax $429.67
Taxes : Medicare Tax $62.14
Taxes : Social Security Tax $265.67
Total Expense Categories $2,898.20

Sad news

April 29th, 2008 at 06:24 pm

Sunday Ms. H passed away. She was the senior that I visted every Saturday. I saw her the week before last and last week Saturdy I went to see her but she was not doing well and was a sleep. But I was able to speak with her husband. Per little thing,I did try to see them today but no one was home. The service was actually today, I will definately miss her

Group project

April 27th, 2008 at 11:23 am

This is exactly why I hate them; first of all I get to the college and of course my team mates aren't there. When J finally shows up she is 20 minutes late. Now S who insisted on meeting of course did not show. His excuse, he did not know we were meeting....EXCUSE ME? Now I am PO'd, he is suppose be our group leader which on the second day of class he said he would now he has no idea what I am talking about and not only did I hear him say this but every one else in the group. I keep telling myself this is my last week

I hate group projects

April 27th, 2008 at 05:12 am

I hate group projects, instructors always says that you need to learn how to work as a team. However, what I have found is that group projects are totally different than work. I am meeting my classmates today because they, well 1 person insist on meeting; now we had enough time after class to meet but he never stayed and on my day off I have to travel 8 miles in addition to wasting gas. Now our professor reviewed our project and his is the only one with comments on them for corrections. But I am going anyway because I told the other girl I would

Not a good day

April 26th, 2008 at 08:50 pm

Today was a day, first I went to the library to get a book and every book that I looked for and was suppose to be available wasnt; so I simply settled for two others. Then I came home and was told my by my mom that my niece is going to boot camp because she is constantly misbehaving in school. My brother is her step dad but has decided, with the coaxing of my mother to stay out of any decision making that pertains to N who is 15 (I think) I personally think this is a bad idea but then again I have witness step children lying on step parents and creating a whole lot of trouble.
Next I am on my way to my part time job and I get this over whelming feeling to buy flowers for one of the residents who I adore, only to find out that she is dying and hospice was called in. Now this has happened before and she bounce back but I am not sure now. Her husband seems to be ok but I think if something happens to her he will soon go down hill. Both are in their late 90s married for 75 years and he still runs his law firm in South Dakota. I think; but cant remember, it is the largest in the state. I am so sad about this and am really hoping I can see her next week, she was sleeping when I went to on them.
Use to question what I was suppose to do in life and now I am starting to figure it out, I think I am destine to work with seniors. I enjoy them and love listing to them so when I am finish with school I am definitely looking for a job at a senior living facilty

extra on the car

April 25th, 2008 at 07:10 pm

Well I wasted $20 today, I went and got my hair touched up which normally cost $15 but of course my beautician did not have change. She never has change and I think she does it on purpose, I always let it go but when I go back I am going to remind her after she tells me what I owe and deduct the $5. But since I wasted money and bought breakfast today I am paying $22.40 on my car's principal, plus I got $3 from Pine cone so I am adding that amount as well. The goal is to pay as much down on the principal before I apply for the citys first time buyer program.This is my new $20 challenge
On a different note I see Uncle Sam will be sending out those stimulus packages early next week, I will be putting mine in my EF, my new goal is to have at least $5000 put aside in the EF by the end of the year which hopefully if I a home owner will at least cover 2-3 months worth of expenses. So many things to save for a so little time
Week two and still no funds from my sis, I am keeping track to see how long it takes her before she says one word

Unexpected

April 24th, 2008 at 07:58 pm

I did not expect for M to pay me back (my nephew) he owed me $15 and gave me $5. I thought about it and was not going to take it, but I said what the Hell he owes me and I want it. So since I did not expect it back I went ahead and added it to my challenge. My sister still has not said one word I and do not expect that money back anytime soon and she owes me way more than M. New total $5589.44

In addition, I started filling out the paper work to refinance my car hopefully I will get a much better rate than the 10% that I am paying. My credit is much better since I last applied for the loan and I have made all my payments in addition to extra way before the actual due date and since I have no CC debt things should be looking up
I also decided to pay an extra $100 every month on my car because at the end of the year I plan on applying for a home loan. The city has a program for first time home buyers in which you can get up to $50K and the developer I believe will match the funds, you can either use that money for a down payment and closing cost or for improvements. That will be nice because it will cover my 20% then that way I do not have to purchase PMI plus I will have a nice little saving
And since my computer crashed I have backed up my important files, school projects and my Money software...God if I lost that data, I would be pulling my hair out. thank goodness I did not lose anything


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