Gas: $35.00
Bills:$370.36
Cable
Phone
Water & Sewage
Electrcity
Tithes: $20.00
Dining out: $19.71
Education/tuition: $370.10
Gifts:$9.85
Groceries:$39.28
Healthcare:$40.00
Eyecare
Prescription
Cleaning Supplies: $5.25
Job Exp:$.89
Leisure:$1.25
Misc: $3.10
Personal Care:$7.65
Sales tax: $2.74
Total: $925.18

Taxes:
Federal Income tax:$97.41
Medicare:$14.49
SS:$61.96

total:$173.86
I am very pleased thus far with the grocery bill

Wow I just paid half my tution which was $370.10 on the cc but I have $127.93 socked away so my balance is $242.17 and I will definately pay this off on Tuesday (which is payday) So I am happy...looks like I am going to have to use the Challenge money to pay for books which are costing me close to $250.00 but I realize now the $20.00 here and there that I usually put away towards my tuition must got up by $80.00 a pay period which I plan on doing that way I 'll have a lot more saved. But I am happy and blessed because I do not have to take out a student loan again

Well the girl who is always at the copier called out today...thank God and the other one was less demanding, I think she finally firgured it out. So we have had a pleasant day together her and so I am happy. The miserable old boss lady is still out until next Thursday, leaving me 2 days to spend with her

Yeah 5 days an no spending other than my fixed income I am so happy. So I added .50 to the challenge and the new car account:

Totals:
Challenge:$415.45
Auto: $7.17

My dad seems to give me money every chance he gets, again he gave me $30.00 I ran a couple of errans for him. So I treated him to lunch today. I am thankful for the money because I plan on using it towards my books this semester, it's money that I really need

New totals:
Cash:$15.68
Personal Checking:$344.00

Well it looks like I am will not be spending any money today, I leave here at 12 and I will make lunch when I get home so I am adding $.50 to the challenge and $1.20 to my new car account

New totals:
Challenge:$414.95
Car Account:$6.67

I am all-alone today at work except for the therapist (2) in the back and I am loving it. The girl who walks back and forward to put paper in the copier is off and the other one who like to delegate is in this afternoon and I am off. The owner is not here yet and the office manager is on vacation I love days like these so nice and quiet

Since I have started blogging and keeping track of every dime spent, I realize it is nice to see my savings and personal accounts grow. It actually feels really good. I have tried to introduce my friend but she has failed to launch. This is more like therapy, I know I have a way to go but at least it is a start. CC's are paid, money is in the bank, I am contributing to my IRA on a regular basis and will increase that amount within the next few months...so yes I feel real goos

Well today was payday from my part-time job so I was able to add $226.70 to my personal account I am happy with that because I still had about $60.00 since the last pay period which was about two weeks ago plus my dad gave me $45.00.
Hopefully today will be a no spend day again. Right now I have about $83.00 in my bill account which is a good thing as well. I am usually dipping in the EF a few days before pay day

That is the name of the book I just finished by Gloria Mellett. It's one of the best books I have read in a long time, I cried then laughed with each page. It's one of those books that should be a movie on Lifetime. I loved it.

19 more classes to go before I receive my BHA I thought if I took 4 classes each semester I would be done by next fall but unfortunatley money is tight. The school allows us to pay half when school starts and the other half by October so that is a plus and with the part-time job the I will be able to pay it off before October. I am so excited because I am almost there

Well I am on my 3rd day and I did not spend any money so I am happy. I added .50 to the challange and new car account

New totals:
Car Account:$4.47
Challenge/Home:$414.45

Well I went to see my dad today and he says to my "you want some money" out of the blue and I said to him for what and he just gave me $45.00 I was so happy because next week I see the MD which will cost me $20.00 and last week I had an eye exam which was $30.00 so basically I lost nothing

Well today is the second day this week and I spent nothing, so I am adding $.50 to the challenge and car account

New totals:
Challenge:$413.95
Car:$3.97

Just got an update from Transunion and my I notice there was a few changes on my CR. But like I said before this is a long process.Previously my scors with the big 3 were:610,595, & 543 and now it's 618,535 & 575 it's odd that two went up and one went down. But I know everything takes time. Any how one of my accounts I am disputing, Transuion found to be in violation of the FCA which is good for me but it was not removed. What do I do now? I guess I can write and ask for debt verification

Wow, I can't believe December will be two years since my SIL died and I did not realize yersterday was her birthday. I miss her a lot

ok here we go agin today is day 1 and I did not spend anything so I added .50 to my new home account and the car account.
New totals
$20.00 Challenge: $413.45
Car Account $3.47...lol

As you all know I am in the process of cleaning up my credit. I have mailed letters right and left trying to get things removed, well I just got two letters returned from companies that ran my credit report without my consent and now I have to write a letter to Equifax asking that they remove this inquiry. Boy is it sure easy messing up your credit but it's like pulling teeth to fix it. Once I get thismess straighten out I am going to stay on top of my credit. If I knew then what I know now

Well today and these last few days I have spent money but starting tomorrow I will start over with the "no spend days" and see how well I can keep it up. Last week it was only 4 days

Sales Tax:.93
Groceries: $14.93
Medication: $10.00
Cleaning supplies: $5.25
Leisure: $1.25
Peronal Care: $5.18
I saved $.75 with coupons therefor I added to the challenge new total $412.95

Added $1.71 to car account lol new total $1.71, but every little bit helps we'll see how far I get

This girl on my job drives me crazy I can not wait until next week when she leaves
She is sooooo lazy it's pathetic, I mean why work. All day all she did was add paper to the copier and the fax machine; oh and I forgot walk back and forward. The funny thing is the boss knows she's lazy

Well since I did not complete one week of no spending and only 4 days I ended up spending some money again today.

Sales tax:$.42
Groceries:$18.37
Dining Out:$2.20

$20.00 Challenge: +$27.00
Auto account: +$1.21

Well today I had the Colpscopy done, it wasn't as painfull as I thought it would be but I will not know anything until about the 17th , However, just wanted to thank everyone for your prayers.

Remember the $20.0 I was over charged at the MD's office, well the billing manager I spoke to On Tuesday had no clue, but I quickly reminded him I had a $20.00 credit and that I spoke with him and there was no way I was paying $40.00 well he straighten it out, seems like there is always a problem with him

Well tomorrow I go back to the MD for my byopsy and I am a little nervous but I am going to put it in God's hands. Iam also meeting with the advisor at the college because a class here and there is not cutting it so I am ready to buckle down and make things happen

well I was only able to complete 4 "no spend days" since I started the challenge. I was too lazy yesterday to cook dinner so I had to buy lunch today and was too lazy this morning to cook breakfast, but I stopped at the grocery store and bough breakfast for the next few days. I am a little dissapointed but I added $9.34 to the challenge in order match lunch today's lunch splurge
New Total: $385.20

I read an article a while ago on this very topic. It stated that we all have something in our closets in which we have not worn in a long time, and if you are a shopaholic or some one who likes clothes (that's me) just put something on that you have not worn in awhile. Well I tried this and guess what it really was very therapeutic...it felt like I actually had on new clothes (sad I know). My brother who works for waste management always find clothing items, well I washed upped pair of pants ironed them really well, found a shirt that I have not worn in about 3 years and that's what I'll wear to work I am so proud of myself and am thankful for all the great posts of support. Can you believe it I have not went to a mall in months and I only spent about $10.00 last week at a thrift store.

Well I just added $1.71 to the challange brining my new total to $375.86

Not only that I forgot to add the interest earned to my accounts last month which were:
New Home:$1.02
Education:$.38
Checking: $.16
EF:$.33
Misc:.02
Total $2.33
lol...I can't wait until I have enough money saved to earn much more on interest

I actually I only have 2 goals for August, 1 is to get CC1 paid atleast by half the balance and back into to school I took the summer off so hopefully I'll be back full force and ready to roll in the Fall.

Well we have our first name storm of the season T. Charles, pray for us that it dissipates before hitting anyone
I am just glad that I have been hurricane shopping for the last few months

Normally I get my EOB's from the insurnce company and never look at them, any way just read mine and the MD office over charged me by $20.00. If you remembered they also charged me $20.00 for not cancelling an appointment, since I am going in again on Thursday for an Colposcopy I ask that they just credit me the funds. So what I budgeted to spend this week ($40.00) I can just hold on to it

Wow day 4 and still no spend other than my fixed income I spent no money today, I am so proud of myself. I did however, hit the thrift store but I was thought I am going to cpmlete this challenge with a full effort

Bills:
Electric: $167.43
Water:$40.39
CC: $62.88
Cell phone 1: 53.00
Cell Phone 2: $42.22
Cable: $25.87
Home Phone: 40.00

Regualr Savings Deposits
EF:$75.00 New total $477.81
Misc Account $30.00 New total $30.01
Personal Account:$20.00 New total $141.00
Ira:$20.00 New Total $730.27

So I am happy