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Sunday Updates

September 22nd, 2019 at 07:38 am

So I did it. I challenged myself to walk five days last week, and to not drink any sodas for five days. It was tough but I did it.

For each day that I walked and had no soda 🥤 , I was to sock away $2, so I’m throwing $10 at CC10. It doesn’t seem like much but I’m a big believer, every little bit helps.

So far this week, I’ve thrown an extra $110 at CC10. I also took a look at the budget, and realized I can throw an extra $200 a month to CC10 starting in October. It’s a lean budget, but I want to get back to tackling this debt.

Went to Walmart for a few household items. I’m going to start one section at a time with that spare room so I needed some storage containers (all budgeted for). And since I’m line drying I needed a little fabric softener.

I think by me falling asleep on the couch 🛋 it has caused my back to be in so much pain. I’ll rest a little before tackling the room.

I notice I have $26 with Ibotta, I’ll cash out this week and throw the rebate to the CC.

Paid Extra on CC Debt

September 21st, 2019 at 12:52 pm

I don’t know what I was thinking. I was waiting for the new credit card bill to arrive before paying extra on it. But I paid the extra $100 today.

Slow progress on the debt since SO is gone but my peace of mind is more important. Goal is to now throw anything extra at it. I wanted to get the EF back to $6-7k before tackling but it’s bothering

A Day of Cleaning

September 21st, 2019 at 08:05 am

Well today was a busy day.
I got up early, 7 am and swept 🧹 , mopped the floors, cleaned the guest bathroom 🛁, changed the sheets on the bed, completed one load of laundry 🧺 , and weeded up the yard all in about an hour and twenty minutes.

After cleaning 🧼 I made breakfast 🥞, and now I’m just relaxing. I like knocking things out early morning, vs mid day or afternoon.

The weather let up a little, so I wrote the check for the HOA fees for the months of November and December, walked to the mailbox and dropped it off. It feels good not to worry about this bill until January.
When I got back from the mailbox ✉️ I opened up the slider and turned the air off.

Pay Day

September 20th, 2019 at 08:02 pm

Pay Day was today and it felt good to not only put money aside for savings but to pay my bills before the due dates 😀

I went through the MSMoney software I use for tracking expenses and found I can actually track my net savings contributions, so I’m happy with that. I also made some adjustments to the budget, since bills are no longer split.

After reviewing and updating the budget, I looked at my spending for the month and I’m actually down in most categories 😀. With the exception of a few categories, those are less than an $8 difference. I feel extremely good about September. Hoping that October will be just as great.

I took a mental health day today, and slept. I didn’t want to do a thing. I did run a few errands, Walmart, the bank 🏦 and gas station ⛽️ but other than that nothing too serious. I found ground beef, reduce fat, in Walmart on sale, which worked out great because I can put that on the grill.

It’s been extremely beautiful here in Florida 🏖, nice and breezy. I turned the air off and opened up the windows. I also went for a walk.

Tomorrow the plan is to, pull the weeds 🌱, clean the guest bathroom 🛁, mop the kitchen an living space. I’ll also put a load of laundry 🧺 in and hang them to dry. After that it’s relaxing

Wednesday Rambling

September 18th, 2019 at 07:31 pm

I had so much to do today after work, I ended up not going to bible study and then it was canceled.

When I got home, I swept 🧹 the patio. I’m trying to keep it clean, there’s a tree 🌳 I need cut down, that thing drops so many leaves 🍁 it drives me nuts. Anyway after sweeping the patio, I fired up the grill. Seasoned my potatoes 🥔 with red and green bell peppers 🌶 , onion, a little olive oil and ranch salad dressing. Then placed them on the grill.

Next I took two chicken breast and cut them in half making four, and marinated in zesty Italian dressing. While the potatoes were on the grill I got my cardio in 🚶🏾‍♀️.
Came back and threw the chicken on.

When I tell you everything was absolutely delicious 😋, I impressed myself. The potatoes were to die for. Lol. I’m liking the whole grilling thing.

After that, I washed my hair 💇🏽 I have an event after work tomorrow and wanted my hair to be half way decent.

The plan was to come home and clean the guest bathroom but SO came by to help me put the desk out. Long story short, I hadn’t bought the containers to pack things in so the desk is still here. I wish I knew someone who needed one. We sat out side, first time ever in 8 years, just chatting.

In financial news, went to Walmart and stuck with my list, potatoes 🥔 and peppers. I almost bought a vacuum but it rang up incorrectly, $30+ when it should have been $15. The worker couldn’t get the price to change and needed to call a manager, I decided it wasn’t a must and left it. I realized, I had no money left in my house envelope, therefore I would have had to take the money from my fun envelope. Next week I wanted to do a little shopping 🛍 , looking for a mirror for the hallway, so it was not worth me spending the $15. I’ll rework the next pay period budget to add the $15. I’m proud of myself for this.

I got the electric ⚡️ bill today and it actually decreased, by $9, yay. I’d been turning off the lights 💡 that we’re not in use, started grilling vs using the oven to cook, line drying my clothes vs the dryer and turning the AC off at night. I started this about midway through my billing cycle, I think if I’d started earlier I would have saved more. We’ll see next month.

The water bill also decreased by I think $20. Now I’m waiting on the internet bill to decrease.

Other than that, that’s all I have to report.

Love My Life

September 16th, 2019 at 06:34 pm

Other than a few managers sending my pressure up, it was a good day.

I got up, completed my devotional, had a little praise and worship before work.
While at work, I got a ton of things done.

Finally got my tires rotated, after leaving the office. Once I got home, I walked 🚶🏾‍♀️ for about 30 minutes, cleaned the girl and then relaxed.

I so love 💕 my new life, I feel at peace.

In financial news, I didn’t spend anything today. Friday is pay day, I can’t wait to see how well I’ve done this budget period

Pretty Good Sunday

September 15th, 2019 at 09:21 am

Today so far has been a good day.

First I went to church, the service was absolutely amazing.

Then headed over to BJs to schedule a tire rotation and balance, trying to get in contact with some one there via phone ☎️ is like pulling teeth.

Next, I headed over to my mom’s. I had mentioned that as I buy new towels, I’ll be buying white. Well she had a few almost new towels in white for me.

Got home put one load of laundry 🧺 in the washer, and hung them out to dry. Then I swept 🧹 and mopped the floors, took me a hour to do the entire house except for the guest bathroom 🚽 and room. I’ve decided rather than doing it all at once, twice a week I need to break this task up.

Once the laundry dries, I’ll put the pork chops on the grill. I don’t want the smoke 💨 on my clothes. Yesterday I was a little discouraged but I’m hopeful that getting use to grilling it will be beneficial, like reduction in electric, and healthier eating.

Lunch, was left over hot dog 🌭 and dinner will be grilled chops with baked beans.

Today so far has also been another no spend day 😀

SO Update

September 15th, 2019 at 01:09 am

Yesterday SO came by to put the grill together and I also think, he just needed peace. I’m okay with that. He’s come to terms that we will not be getting together, he mentions going home, where before he’d say my place was his home. He also doesn’t try to kiss me goodbye. We just chat.

I’m glad we separated for his sake. A few things 1) he realizes that his mom is dysfunctional, he’s actually said this 2) he realizes that the sister lies to him 3) he realizes that the daughter is extremely lazy and the neice well that’s a different story.

He’d expressed his frustration that he had to shell out all this money (mom not paying bills) and that he couldn’t afford a haircut but yet the mom had the money to go to a salon 💇🏽 for a hair appointment.

I told him, if it was me, I’d get a list of household bills that’s due every month. Secondly, I’d either give the neice (she lives with the grandmother, his mother) a few bills or charge rent. Then I’d send every client a letter, letting them know that all checks should be written to my business and open a PO Box to have the mail sent (the mother opens his mail, and cash his checks). Then I’d get with the accountant to set up payroll and mom would get $50 a week for spending. The daughter with the baby would get a damn job. He says he’s moving things along but who knows he’s so afraid of hurting the mom’s feelings it’s ridiculous. I do think he’s going to blow a head gasket though I’m afraid the stress of things may give him a heart attack or a stroke.

One thing I was surprised to hear is that he’s finally trying to take care of the child support mess. He’s been paying support to the ex wife for um 10 years, for kids he had custody of. Don’t ask me why. He couldn’t afford to hire an attorney so he’s been doing everything on his own. I’m praying it works out for him, that should free up a ton of money for him. I honestly think he just couldn’t afford an attorney (mom doesn’t pay him) and had been putting things off. With the move he realizes this is money wasted. Well I think he already knew but the move put a fire under him.

I’m definitely praying for him. He’s a nice guy, too nice

First Time Grilling

September 14th, 2019 at 04:56 pm

Today was a no spend day, yay.

SO came by and put my grill together. I’m so glad to have this little baby, I’m thinking I should start saving money by grilling.

I’ve never grilled anything. Tonight it’s hot dogs 🌭. I’d bought them (hot dogs) when we thought the storm was coming and figured no need in letting them go to waste. I’ve had the grill now for about five years, previous storm purchase. I almost bought another one because I didn’t want to use this one, stupid, and wasteful, but I’ve opted to use what I have.

I also relaxed today, no cleaning, just a well rested Saturday. I have a table next to the bed with miscellaneous items, as I reached for my iPad 📱 $20 fell out. Lol all I could do was laugh, I felt like God rewarded me for being a good steward with His money.

I also took a look at the budget and so far I’m doing well. I notice that the first check in October I should have an extra $300, it’s going to CC10. I’d pause the debt repayment due to the unexpected legal fee but I’m ready to kick things back up.

Right now I’m just sitting on the porch enjoying this Saturday night waiting for my hot dogs to finish

Cutting Expenses

September 12th, 2019 at 07:05 pm

I decided to treat myself to lunch, $8.51 and it was delicious. I’ve been doing really well with not spending.

I had found a gift card when I was decluttering a few weeks ago and used it, to purchase a tv 📺 antenna. I’m actually okay with the channels I’m able to receive, about 19-20, and they’re channels that I do watch. I bought the cheaper version to test out. Maybe later I’ll get a different one for the living room. My goal is to cut an expense each month.

After setting up the antenna, I washed my porch and windows 🏡. I do not want the patio to get too dirty again. I also, pulled the weeds out and raked up my small area of property I have. What I’ve found is that if I do a little during the week, I can relax on the weekends. Tomorrow it’s the bathroom, floors and two load of laundry 🧺 , then that’s it.

I checked to see if the water 💦 bill was released, and it was, it actually decreased to $45.68, that’s $21.09 from last month. I’m hoping the electric bill decreases as well. The extra savings on the water bill is going towards the EF. I have to get this back up so that I can start back on the CC 💳.

Cutting Expenses

September 12th, 2019 at 07:05 pm

I decided to treat myself to lunch, $8.51 and it was delicious. I’ve been doing really well with not spending.

I had found a gift card when I was decluttering a few weeks ago and used it, to purchase a tv 📺 antenna. I’m actually okay with the channels I’m able to receive, about 19-20, and they’re channels that I do watch. I bought the cheaper version to test out. Maybe later I’ll get a different one for the living room. My goal is to cut an expense each month.

After setting up the antenna, I washed my porch and windows 🏡. I do not want the patio to get too dirty again. I also, pulled the weeds out and raked up my small area of property I have. What I’ve found is that if I do a little during the week, I can relax on the weekends. Tomorrow it’s the bathroom, floors and two load of laundry 🧺 , then that’s it.

I checked to see if the water 💦 bill was released, and it was, it actually decreased to $45.68, that’s $21.09 from last month. I’m hoping the electric bill decreases as well. The extra savings on the water bill is going towards the EF. I have to get this back up so that I can start back on the CC 💳.

Cable

September 11th, 2019 at 08:04 pm

You know today was a good day, not one dime spent. I was tempted but nothing. I’ll admit, it’s tough, but I have to remind my self of the end goal.

Other news, I’m a little annoyed because I’d cancel my cable, and with it was a free subscription to HBOGo, because cell phone service, and it came with it. I’d called the provider, to see if I could still access it and was told no. Well long story short, I got a text this evening, giving me the option to keep it with my phone service 🙄🤦🏽‍♀️. Though I normally don’t watch HBO, it is great to have it now since the channels I receive are limited.

I found a gift card so tomorrow I’ll be buying an antenna for the TV 📺, I’m hoping to get a few local channels.

Sinking Funds and Other Stuff

September 10th, 2019 at 01:55 am

So apparently SO mother had allowed the insurances on the vehicles to lapse since May, so he’s been driving around with no insurance since May (personal and commercial vehicles). Her license had been suspended since July, so she’s been driving with no insurance and a suspended license, with the grandson in the car. WTF!

If this is not a wake up call for him to takeover the business and everything else then I don’t know what is. Actually I do know, I’m so glad I’m not apart of that dysfunction. I’m not sure WTF he won’t put his foot down with this woman. But hey

In financial news, I checked the sinking fund for the car, and realized that I’m close to $1,000, just about $400 away. Initially the account was set up for car repairs, and insurance. But I pay my insurance monthly, and knock on wood there hasn’t been any repairs needed.

I need an oil change and normally I’d use this account, but since I have more than enough in my cash envelopes ✉️ I’ll use the money from there.

Seeing this account grow, has made me feel really good. One, because in the past, I’ve always used a CC to repair the car and now there’s cash. And two, I realize I can actually save cash for a new to me car. As you all know, my Camry has about 255k miles on it. She runs great! But I know it’s just a matter of time. My goal now is to save about $5-8k for my next Camry.

Next, I splurged on household items and took the money from home repairs, this sucks but now I’m back on track. I need to know that this account is not for home decor but repairs. I was going to get the accordions for the window, but will wait until hurricane season is over. I have the plywood and right now rates are sure to be higher. I’ll still get the quotes so that I know where I stand, and can save for them.

I must say, I have a sinking fund for everything, but I love it! I love the idea of saving just a little to have a lot later and paying cash 💰 for things. Patience surely is a virtue

No Spend Day

September 9th, 2019 at 06:25 pm

Today was a great day, day two and I didn’t spend anything.

Had breakfast at home; packed my lunch and have mac n cheeses 🧀 for dinner. I’m so excited about cutting expenses, I can scream.

That’s it; hope everyone had a good day.