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Archive for September, 2006: Amber's Personal Finance Blog
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Archive for September, 2006

End of the Month Tally, not too good

September 30th, 2006 at 10:38 pm

Gas:$113.01
Car Maintenance: $300
Electricty: $163.28
Student Loan: $28.00
Auto Ins :$207.43
Cable: $65.87
Telephone:$40.75
Cloting $33.98
Dining Out:$41.06
Gifts: $47.77
Healthcare:$32.64
Personal $26.59
Cleaning Supplies:$14.10
Groceries:$180.04
School Supplies: $19.16
CC Payments:$383.65
Job exp (not refunded)$18.38
Misc:$848.48
Sales Tax: $65.86
Interest on CC: $58.34

Well I did get my notenook, which did it in for me regarding miscellanous spending and going back and forward to school boost my gas spending. Overall for the month I spent a lot more than anticipated I'll have to be really frugal for October

Another buck on CC debt

September 30th, 2006 at 04:19 pm

Today was another no spend day so I paid another buck on the cc.

Total: $2726.39

$1274.17 towards cc debt

September 30th, 2006 at 02:58 am

I was checking my ING account and notice that I actually tansferred a total of $1274.17 in order to pay down cc debt, so I guess I am making some progress not to mention all the extra's I have paid thus far, that was in a different account. I had about $8000.00 in debt when I started working on gettig it paid down/off in December of 2005 so looks like I really should be happy

Paid extra on CC

September 30th, 2006 at 02:48 am

After balancing my HSBC account I notive that I did not account for the interest incurred on my cc for September but that is ok because I paid $25.00 on that card and another $14.00 on the high interest card

Total for challenge/cc debt $52.22
Previous Balance:$2754.85
New Balance:$2727.29

I almost forgot

September 29th, 2006 at 03:12 am

Well I did forget, the college allos you to pay 50% the first part of the semester for tuiion and 50% midway through. Well I forgot I owed $370.30 and had to add that to the CC thank God payday is next week. But I did pay $2.60 on the high interest CC. Seems like when you make a step forward you always go back two Frown
Previous total $2387.16
New Total:$2754.85

Another No spend day

September 28th, 2006 at 07:55 pm

Ok I am doing pretty well I did not spend any money today so I am paying a buck to the cc company/challenge

Previous Total:$2390.34
New Total: $2389.34

Oops in checking my account I actually owe $2387.16 that's even better

I am proud of myself

September 28th, 2006 at 12:39 am

I went to the mall to get my free undies and past through Macy's I kept looking at one particular dress and then placed a skirt on hold, but I did not get them Smile Boy did this take some discipline but I am happy I just kept asking myself "need or want" " no cc debt or cc " house or live at home the rest of my life" needless to say I will not be back tomorrow to pick up the skirt. They'll be others

Free underwear

September 27th, 2006 at 10:03 pm

Well I am heading to Victoria Secret today to get another pair of free undies before my coupon expires ( a $7.50 value) once I pick them up I am adding this amount to the challenge/cc debt

Just knocking down the debt one day at a time

September 27th, 2006 at 09:48 pm

Today was a no spend day so I am adding 1 dollar to the challenge/cc account
Previous total:$2392.34
New Total: $2392.34

I need to start keeping track how much of my challenge money is used towards CC debt and how much I actually stash away, right now I have been paying the cc debt

Disgusted

September 26th, 2006 at 09:08 pm

I came home on break to fix a quick lunch (sandwich) before heading to class well some one ate the last slice of cheese. So I did not have time to actually cook so guess what i had to buy some. $3.16 wasted but I did match this amount and paid on the CC which is now reduced to $2389.15, prevoious total $2392.34

Family and money

September 26th, 2006 at 02:59 am

I hate lending anyone money but I remember the times where I barely had anything so I went ahead and let my sister borrow a $100.00. I know I may have mad a mistake but I can stand the pinch. She will pay me back but when she says Friday she means not this Friday but 5 Friday's from now (lol). However, I did tell her to keep $60.00 for the broadband service that I have on her account ( it was cheaper this way for me) so she really owed me $40.00

Studying

September 26th, 2006 at 02:53 am

I was told once that one must atleast put in two hours of studying a day for each class taken I agree, but since i was unable to do any at work (full-time job) today I had to putin my two hours tonight and I just finished at 10:45 so I am reading emails, blogging and just plain 'ol surfing (I am on break ) and I will look over my notes in a few for about an a half hour...wow I totally forgot what it was like

No spend day

September 26th, 2006 at 02:50 am

Today was a no spend day, my co-worker treated me to lunch that was nice. So I decided to add a dollar to the challenge and pay my CC a buck. I wanted to see if it would allow such a small transaction and I was really surprise it did so I am down by a buck

New total $2392.34

A day of training

September 26th, 2006 at 02:45 am

Well my boss finally decided to hire some months later after Jodi left ( and I miss very much) Anyway I had to train all day so I actually worked for a change...lol I was unable to surf the net, read my email/blogs or study Frown But in all I do like this girl she seems to be nice and I think we will get a long well. So now I am making up for lost time...lol, all I can say is it was really weird today...fyi I do my job well, accurate and fast that is what my boss like about me I am just organized so I am normally done really early even if I start late, Jodi and I were two peas in a pod and worked very well togther i just hope evrything works out with this girl because I do like her

Hamburger helper

September 25th, 2006 at 12:38 am

I bought some hamburger helper for the first time (taco) but I did not care for it. So since i spent almost two dollars I guess I have to gobble it up. Some tims thoough, if you let food sit over night it tends to taste better the next day, we'll see.

$20.00 Challenge

September 24th, 2006 at 08:43 pm

I am adding a buck to the challenge, only because the money I spent late last night was on a fixed expense so
basically I did not waste any money today
New tota:$16.90

Not to sure

September 24th, 2006 at 05:37 am

as you all know I am entering or have enter my junior year of college. So any way I am thinking about joing the American College of Healthcare Executives (ACHE), which is basically a networking group to help college grads land jobs; the cost however is $75.00 a year. There is also so credentialing involved but I may wait until the fall of 2008 in which I plan on interning then. we'll see, Tuesday I am meeting with the dean over the program I am in maybe he can give me some insight. My goal is work in the hospital as an administrator

Today's Spending

September 24th, 2006 at 04:58 am

I deliberately went to walmart late tonight because I already added my buck to the challenge for no spending today well yesterday (it's after 12am) Any way here are the totals:

Gift; $19.97
Groceries:$15.43
Personal items:12.09
sales tax: $2.23
Added change to the challenge $.28
Total: $50.00

Pretty Good Day

September 24th, 2006 at 02:42 am

I sat around today until it was time for me to go to work and then when I got here the first 2 hours were like Grand Central Station. I forgot today was a holiday weekend and every cotton head in the building was out (lol)and then it finally died down where I could get some studying done. Wow but atleast I was able to kick back until 2pm and just relax...basically spend no money today

Test 1

September 23rd, 2006 at 03:45 pm

First test for the semester was on Tuesday and he instructor just posted the grades I got an 87.6 I was a little dissappointed since I did study for a while but the last few days I did not review my notes. I hate when you answer questions/take a test and think you missed only 1-3 questions and when you get the test back in some cases just the grade you missed more than you expected. Gosh I hope I do well on the lab assignment we will see