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Archive for August, 2006

$15.00 Towards CC

August 31st, 2006 at 01:44 pm

Well I used my cupouns for free undies at Victoria Secrets and saved $15.00 so rather than adding to the challenge I am paying the money saved towards the high interest CC Smile

New Balance:$1221.96
Total over all CC:$1814.24

September's Goals

August 30th, 2006 at 03:28 pm

Well my goal for September is to pay off the high interest CC (33%)Right now this is the only thing I am focusing on. The current balance is $1236.96; I will get two checks for September and I hoping atleast $600.00 each payperiod will go paying this debt off quickly.

Monthly Spending

August 29th, 2006 at 06:10 pm

Ok it is the end of the month for me so I have to tally up all my spending and savings. We did get our pay stubs today, my check won't be deposited until Thursday but I prepaid everything online for Friday's date 9even bills due next month) to be on the safe side. I am just looking at transactions that are important to me so here we go:

Total wages for the month before taxes $3626.27 and after taxes $3326.65 (?) this is what my MS Money shows

This month and last Month
Gas: $136.65, $121.05
home Exp: $894.49 , $188.98
Tithes: $60.00, $21.00
Clothing: 00.00 , $9.50
Dining Out: 36.07 , $43.81
Education: $874.48 , $00.00
Gifts: $11.35 , $33.10
Groceries: $192.29, $207.31
Healthcare: $129.98 , $221.65
Cleaning Sup: $25.60, $.87
Misc: 22.05 , $45.49
Personsl: $35.60 , $43.36
Leisure: $4.75 , $8.24
Hurricane Sup:00.00 , $9.88

CC debt: $1324.21
total savings$450.00

Paying Down CC

August 29th, 2006 at 05:22 pm

I just paid another $100.00 on my high interest Cc and notice I had a credit of $6.15, I am not sure why. I did sipute a charge of $5.99 which was a duplicate but $6.15 I have no idea. I'll give them a call.

High interest CC New balance: $1236.96
Total CC balance:$1829.24

$174.05 Electric Bill

August 28th, 2006 at 08:15 pm

Darn! my eletric bill this month is $174.05 Frown I just don't get it. I really can't complain to my uncle who leaves his TV on all night and day because my mom gets upset if anyone says anything to him and I can't call the electric company to have them check as why it is so high because it is in my mom's name, and she is old set in her ways and questions nothing. The agreement when I moved back home is that I would pay the water, cable and light bill.. All I can say is darn, I took the money out of my personal account because I wanted to pay the bill before the storm hits in case I am unbale to pay online and payday is not until Thursday, grant it if he deos the payroll

Nephew just got married

August 28th, 2006 at 07:35 pm

My nephew married his HS sweet heart on Friday and did not tell anyone until yesterday. I like her but my mom is upset, I have no idea why I think it's because she has a kid already but who knows. She is a nice girl very ambitious studying to be a nurse. I am happy for them

Day 1: No Spending

August 28th, 2006 at 07:32 pm

Welll I am happy I did not spend a cpin today but I am sure I will tomorrow I have to pick a few things for the storm, not much because I have been stocking up.

Down graded

August 28th, 2006 at 07:30 pm

I am not happy that we will experience a storm, but I am happy that ernesto will not be a hurricane when it hit the southeast coas of FL Smile All day I was worried, I still am but am a little relieve better a TS than a hurricane any day

It's official : Ernesto will be a hurricane

August 28th, 2006 at 12:04 pm

Looks like we are going to be in the middle of storm. The stores are a mad house, I am so glad I started early. However, I need to get gas and ice tonight which I am sure will be a nightmare.

Here we go

August 27th, 2006 at 09:51 am

Ok I am going to try the no spend days again this week, last week I spent money every single day Frown but this week I am determine. unless it is a fixed a expense then I am ging to do with out. Today I did some shopping, misc itmes and groceries so we will see

Car is running like new

August 27th, 2006 at 09:50 am

As you all know I have a very old car '89 Camry...my previous car was totaled Smile no car payment. Anyway my uncle took it yesterday to his buddy who tuned it up and it is running so nice now,however I still need to get the oil leak and some other leak (can't remeber) fixed. I think I am I just do not want another car payment not while I still have other debts. just thankful I have a decent car, may not be a car that I want but it's a car and payment free

$18.89 on CC

August 27th, 2006 at 09:46 am

Well I cleaned out my checking account (account 10 and paid $18.89 on the high interest CC. I am so happy because for the last few pay periods Ihave not had to touch any money in my EF account so that means I am making progess and Murphy is aware Smile

New Balance:$1343.11
Previous balance:$1362.00
Balance the begining of the month:$2095.28
Overall CC balance:$1950.39

Great Day

August 26th, 2006 at 09:47 pm

Today was a really good day, I read some ones blog who was doing the "happy dance" well I am dancing today. I got my credit report from Experian who was to validate a debt, well they were unable to do so and it was deleted so I am dancing SmileNow I am waiting to hear from Equifax and Transunion

Changed my mind

August 25th, 2006 at 05:54 pm

Well I changed my mind about using the extra $200.00 towards the CC, since my car gave a little trouble today my uncle is actually taking a look at it tomoorow and maybe have my cousin's husband who is a mechanic check out the oil leaks so I am holding on to the money rather than paying the CC and then charging in the future. I am trying to stay away from placing anything and I do mean anything on the CC

Why me?

August 25th, 2006 at 03:50 pm

It seems like I am the only person in the world when it comes to getting paid. My part-time job did deposit my check ( I made a change in which account funds should be deposited to ) so I have to pick up this check but the next one should be ok. I hope. I figure since I have $274.00 in my personal account I may add it to the cc depending on my check. we'll see

A friend who only sees things her way

August 25th, 2006 at 02:58 pm

I have a fried who is so stubborn and who refuses to listen she drives me crazy. Today we had an argument because she says her ex will not drive 30 minutes to pick their kid up for visits but yet she won't either. Now she was living locally and decided to relocate because I think she was jealous of his new relationship. So I asked her how can you expect for someone to do something that you yourself refuses to do, I tried to explain to her that one has to lead by example.

Car problem...gone

August 25th, 2006 at 02:53 pm

Well my uncle came and fixed the hose on the car which he said was no good, thank God it only cost $23.00, but he said I had not oil and I know my car is leaking oil so I need to make sure I watch that since I am back in school and doing a lot more driving. But I am happy that it's fix for less than $100.00

Of all days

August 25th, 2006 at 09:46 am

Well my car finally started with the headaches. I got to work today and freon was leaking, I am thanksful I was at work and not running errans. So I called my uncle hopefully it's something he can take care of...keep your fingers crossed.

33.00 Less

August 25th, 2006 at 05:47 am

Well I took the book back that I paid $133.00 for and there was a page torn, I guess because I had it in my book bag, well The book store only gave me $106.00 back Frown and the new book I bought was $80.00 so instead of saving $52.00 I actually only saved $20.00 Frown I guess it could be worst but hey. I have learned my lesson and that is to shop aaround before I buy any textbooks

Frugal or Cheap

August 24th, 2006 at 07:52 am

I don't since the new year I have had this thing where I do not want to spend any money. Yesterday I wanted to get a few tnk tops ( I have $274.00 for myself) but I could not bring myself to spend the few dollars am I getting to the point where I am just cheap or frugal. I simply hate spending money, basically on anything...I get so annoyed