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Bumping the EF

July 16th, 2019 at 12:43 am

Yesterday I walked over four miles and today I am paying for it, my legs are killing me.

The tenant made his rent payment so I’ll be adding the last $850 to my EF. That will bring the total to $4,226. I still have to add another, hmm 🤔 I’d say about $200 to this as well. This is also the last month that SO will pay the mortgage and I can add the $965 bringing the total to over $5,000. I’m so thankful that I was able to build this back up as quickly as I did.

I checked my cash envelopes ✉️ and have $60 left over 😁. I just kept the money in the envelopes. I did budget $115 this budget cycle for hair care but I’m reducing this to $40 and putting the rest towards the EF. I got my hair cut so I can try and do things myself.

Low Cost Vacation

July 14th, 2019 at 08:08 am

Being out of town in small town is tough. I really wanted to stuff my envelopes yesterday but I have to wait until I return home. I could not find a BoA in this town.

The day before yesterday was a no spend day, and I’m happy with that. I’d budgeted $150 for this trip but only spent about $33. Not bad, I’ll be adding back to my fun money I did not spend.

I transferred my bi weekly contribution to my IRA, I hate there isn’t away for me to set up auto weekly deposits but oh well

We are heading home today and I’m so happy

Long Rant

July 12th, 2019 at 04:29 am

I’m on this trip with SO, two of his kids, two grand kids and his mom, it’s their family reunion.

I swear his mom gets on my last nerves. She never use to but I see how she manipulates him and it disgusts me.

First, he’s worked hard to ensure that she makes it to this trip. He’s foot the bill for everyone. We get to the hotel, she walks in her room that she’s sharing with her grand kids and she says, “this isn’t going to work.” I personally don’t know what the hell she’s talking about but says, well it has to work because this is the room they gave you and walk off.

I later find out that she wants him to go purchase a cot/blow up mattress 🛏 because she wants a bed to herself. The room is doubled. I told him tell her no. The last three trips we’ve been on she’s shared a bed with them. The only difference is, his sister who is normally in the room, passed away. I personally think she doesn’t like his other daughter. Why I don’t know.

Then we go to Walmart, she refuses to get onto one of those ride along carts. If she was my mother I’d tell her either she gets on the cart or stay in the car 🚗. Well what should have been a ten minute trip turned into almost a hour. Every two feet she has to stop. She’s tired 🤦🏽‍♀️🙄. Then she’s playing with his grand baby, because she’s out of breath. Next she’s looking at this and that because she’s out of breath, a part of me wants her to pass out 🤦🏽‍♀️🙄. Her and the kids pick up a $100 worth of foolishness, he then gets upset because the kid who had the baby galavants all over the store and don’t pick up what she needs for the baby. 16 year old with a kid. I’m pissed 😤 because she has this baby in the store puking with no bag, no wipe. Walking around this store as the kid is puking and leaving it there. WTF is the baby bag. I tell him, she wanted to have a baby she need to act like a mom. He needs to tell her, she must travel with his bag, even if she’s going into the store because anything can happen.

We’re on the highway she takes the kid out the car seat to burp him. I ask why she takes him out, she says, “how else am I going to burp him?” I say, tell your dad to pull over. Long story short no sooner than this crap, we almost get in an accident. I don’t say one word. Her and her baby is no longer any business of mind.

I can’t even remember what she (daughter with the kid) says to SO but he goes off and rightfully so.

Financial news
Today was pay day, I socked $585 towards my mortgage account. SO is suppose to pay the mortgage next month, I like to save just in case. I’m sure he’ll pay it, he did for July but I’d rather be safe than sorry. Once he pays I’ll throw the money into my EF. To get that back built up.

I’ll be able to add an extra $175 today to the EF as well, so excited. When you have less debt it makes it easier to save.

Though I’m dealing with this legal issue, I pumped the breaks somewhat on CC10. Normally I could throw an extra $500-$600 at it but I’m doing about $100 a month. I don’t know, I just don’t feel right if I’m not throwing something at it. Plus the EF is building back up nicely and it’s only been a month.

I also went ahead and added $34 to the retirement account. This I’m not stopping even though the dollar amount is minimal, I’m too far behind on this and time is against me.

The EF should be back to about $6,000 the end of this month. I’ll still continue to add to it aggressively until my legal woes are over.

Attorney and Vanguard

July 8th, 2019 at 06:23 pm

Praise God, my attorney filed the motion to dismiss the case. She then sent a letter to my brother’s attorney, basically putting him on notice that she hoped that he did his due diligence and that she was pulling the bank records in its entirety. I’m curious to know what my brother, his kids, and my mother is going to say when they realize my dad made these changes well before his death. I’m very please and confident with her. The letter she sent after filing the motion was straight to the point and kind of snarky too.

Other news we have a family friend who isn’t doing too well, I think he’s homeless. I called him today and gave him the $20 out of my fun envelope, that was what I had left. It’s not much but it’s something.

I called Vanguard regarding the swipe, the rep had no clue. He told me that was how the showed a transaction from an institution. I explained that a negative plus a positive in the same amount canceled each other out, and he was like um 😐.

I sent an email and got this,

“On your account statements, you'll see several transactions that are
labeled, "Sweep in" under the "Transaction type" column under your account
statement.

Your Roth IRA Vanguard Brokerage Account has a Vanguard Federal Money
Market Fund, which is your brokerage settlement account. Your money market
settlement fund is also known as a "sweep" account.

Vanguard Federal Money Market Fund (VMFXX) is the settlement ("sweep") fund
in all Vanguard Brokerage Accounts. Each Vanguard Brokerage Account has its
own settlement fund.”

MONEY MARKET SETTLEMENT FUND>>
The main function of the settlement fund in a brokerage account is to
facilitate trading brokerage securities such as stocks, ETFs, and
non-Vanguard mutual funds. If you want to purchase brokerage securities,
you should have the funds available to trade in the settlement fund. When
you sell these types of securities, the proceeds will transfer to the
settlement fund and begin accruing dividends on the settlement date of your
trade.

It’s a Struggle but Also a Progress

July 7th, 2019 at 04:58 pm

Washed and colored my hair, saved myself $60. I do have to go in on Wednesday for a relaxer and and cut 🤦🏽‍♀️🙄. Wish I could do this myself but oh well.

Today was a no spend day. I’ve actually had seven (7) no spend days this month. I did buy one item that was not necessary, a float for the pool, I already had one, so I took it back. Got my $3 back.

The best thing I could have done was create sinking funds. I was invited to a birthday party for an old friend, who I love dearly. Even though we don’t talk regularly I would not have missed her party. Anyway, I had the money in the sinking fund to get her a gift, one of my favorite wines.

Also last week, I had the funds for my oil change 😃. Now it’s time to renew my professional membership, cost is $200, I’ll submit for a refund on the job, but if I’m not issued the refund I at least have the money.

Without these sinking funds I would have used a credit card. I’m so proud of myself.

I spent my afternoon balancing my accounts. One thing I noticed on the Vanguard account is an in and out, something called Swipe, what does that mean? Also, SO opened his retirement account, right now it’s $20 a week and we will gradually increase.

My net worth has decreased a little, I can’t wait until I’m able to see a positive number vs a negative one.

It’s a struggle some days but I do see the progress.

BoA Points, Poshmark and More

July 6th, 2019 at 01:01 am

Just cashed out 8,900 points of my BoA card, that was equivalent to $44. I’m adding the $44 to my EF.

The reason I was able to accumulate so many points was that I added my legal fees to the card and paid it off immediately. I have a few auto pay items as well, such as car insurance and cellphone and as soon as those charges hits I pay them off.

I also received another five star rating on Poshmark so I was able to cash out $3.05 from a sale. This was also added to the EF.

I’m 42 cents away from cashing out my Ibotta account. So far this month the extra earnings/cash rewards would be about $72. Not bad, I’ll take that. It’s really a refund on items I actually bought.

I finally got my oil change which was $40, geesh I remember when oil changes were $15, this is crazy. Thank goodness I have the car fund for stuff like this.

Yesterday, I bought a phone 📱 charger for my car, well something told me after the fact, to place the charger in a different outlet, well it worked. So I’m taking that back to get my $12 today. While I was in Walmart l also bought another pool 🏊🏾‍♀️ raft, not sure why but that’s going back as well, that was $3. It was a want and not a need.

Lastly I took a look at my budget for July. By the end of the month I should hit my savings goal of $5,000. Then August would be another $1,000 and I’ll be back to where I was prior to my legal stuff. I’ll continue to add to the EF aggressively until everything is all squared away. I don’t know, I just feel like I’m off my A game with my savings and debt repayments. I really wanted this credit card gone by the end of the year.

Friday Night Ramblings

July 5th, 2019 at 05:47 pm

Redeemed $5 on Receipt Hog and I’m about $.60 away from redeeming $20 on Ibotta. That’s $25 I’ll be throwing at my EF.

The day before yesterday I said to SO what’s your SSN I’m setting up a retirement account for you, you’re getting old. Without any questions he gave it to me and his Fidelity account has been set up. I have access to his account so I’ll start the weekly contributions low for him and then gradually increase. Even though I’m in legal mode and saving, I’m socking away about 2% of my take home pay until this mess is done. Then I’ll bump it up.

I’m so nervous now about retirement, my sister ran into an old family friend. She gave him a few dollars, he’s basically homeless, and in his 70s. She told me where she saw him. Tomorrow I’ll create a care package and take it to him. I pray this doesn’t happen to me.

Last week I had a dream that my brother’s attorney dropped hi case, last night I dreamt that my attorney sent me an email that she would be refunding my $5,000. I think something is going on. The week before I got the summons I had a dream that my dad, brother and I was talking. My dad was visibly upset with my brother but I didn’t know why. I woke up a prayed. Then boom the summons. I know that God is working things out. Deuteronomy 31:6 states be strong, do not be afraid, the Lord God goes before you.

Happy Fourth of July!

July 4th, 2019 at 04:09 am

Happy Fourth of July to my favorite money advisor! Enjoy your day everyone

No spend day

July 3rd, 2019 at 05:47 pm

Another no spend day today. So I’m adding two more dollars to my envelope. I did have to get an oil change, that was $40.65 and a must, but other than that nothing.

My car is at 252,602 miles, I can’t believe it and I love it. I’m going to hold onto this baby as long as possible. I do have to start saving a little more to the car fund.

Tomorrow I’ll spend time with my family, and that’s about it.

Tuesday Ramblings

July 2nd, 2019 at 06:38 pm

Today was another great day. Outside of spending on things I need, eggs, salad 🥗 to go with my frozen meal, and juice 🥤 I spent nothing. I also got $0.20 back by using Ibotta.

Because today was a no spend day, I reduced my personal envelope ✉️ by $2. Yesterday it was my fun envelope. The goal is to come in under budget with my envelopes and transfer this money to the EF. Last month I did a dollar a day, and socked away $23.

For me challenges work, it keeps me motivated.

For dinner tonight I had my frozen chicken parmesan, with a salad and toast with garlic spread. Everything was yummy.

Lastly, I dumped a $1.15 into my change charge after cleaning out my envelopes. I always cash in the change, that comes to about $22.


Not Bad for the First Day of July

July 1st, 2019 at 04:52 pm

I couldn’t wait to get home to get in the pool. I actually spent about 30 minutes and loved it. Wish I could swim though 🤦🏽‍♀️🙄

After coming home, I packed the item I sold yesterday on Poshmark to be shipped. I’ll be dropping it off tomorrow. It’s $3 and I consider that a win, since it’s more than I had yesterday.

I also went back to the store to get a refund. The cashier charged me twice for soda and I only had one six pack. The old me would have let it go, it was over a week and I didn’t notice until yesterday. Nope I went right back in and got my $3.53.

Today was a no spend day, so I’m adding $2 from my envelopes to my EF.

All in all I’ll be throwing $8 at the EF in total. Not bad for the first day of July.

Pool, Credit Score and More

June 30th, 2019 at 11:08 pm

I’m so glad that the weather cleared up ☔️ so that I could hit the pool. The water felt great! Who says you can’t have fun while on a budget.

Our HOA is expensive, $185 a month, before I bought the place, I never went to the pool. The landlord made a comment once that the rent didn’t cover the HOA. I left like hmmm you don’t own your home so why go? I know stupid but I didn’t. I would ask the SO to go and he always said no, as well. That was another reason why didn’t go. Well I decided I’m going with or without someone. I’m paying for it now and these last few weeks I’ve been going and I’m like a kid in a candy 🍭 store anxious.

I only had one swimsuit and would have to keep washing, I found one at Walmart today for $9 and one at Target for $14. I’m good now because on average I go about 3x a week.

In other news I’ve set my goals for July
1. No dining out
2. Save and add $1,000 to EF
3. More cardio

I sold an item on Poshmark for $6 my earning was $3.05, adding to the EF.

I checked and my FICO score is now at 791. I can’t remember the last time it was this high. I know it has to do with me reducing my debt. I’ve always had a high debt to income ratio due to credit cards 💳. I’ve always paid the bill on time so I thought all was well until I realized I had no money left after each pay check.

Needless to say, as I continue to pay down debt and save more, this score will decrease and I’m okay with that. The goal is to not borrow again.

Sunday Ramblings

June 30th, 2019 at 08:13 am

Up and about today, the first stop was Walmart. Next gas station ⛽️ , Aldi and then home.

Last night I made chicken parmesan for the first time, well second and it turned out pretty good. I froze three meal prep containers of, the SO had one last night.

Today I scrambled eggs 🥚, fried some bacon 🥓 and had eggos 🥞 for breakfast, I also made enough for two days, that way I’m not tempted to buy breakfast.

Last on the to do list is washing my hair. I’m hoping the weather stays nice enough for me to go to the pool before doing so though.