Happy New Year
January 1st, 2007 at 12:55 amHappy New Year and a safe one to everyone here. I hope all goals for 2007 are met
Archive for December, 2006Happy New YearJanuary 1st, 2007 at 12:55 amHappy New Year and a safe one to everyone here. I hope all goals for 2007 are met What did I buyDecember 31st, 2006 at 02:50 pmI use MS Moey to track my spending and I can not firgure out how not to include money that was lent out as not income earned according to MS Money I made over $40,000 last year which is not correct oh well...but for the monst part it is the spending I want to track and it's pretty much right on target. There can be some few minor errors but for the most part I am ok here it The totals are inDecember 31st, 2006 at 02:39 pmI just went over my spending for December I was a little afraid but here it is...way too much on clothing,gifts and dining out, not to mention taxes. But at least the cc's are paid off and I can really start saving. Next I will look at my spending for the year also my misc. expenses are high because I had to lend my sister, friend and nephew some money Sticking to the calendarDecember 31st, 2006 at 02:21 pmOk I just finished up the dinner calendar for January and part of February, so when I hit the grocery store I will only buy what's for dinner. This should save me a ton on the grocery bill. I also decided to keep a price book of common items I buy at the grocery stores and do a price comparison with the sale items in Sunday's paper along with my coupon I should sve some money here. It's time consumming and when I lived on my own I use to do this I have no idea why I stopped my groery bill was 3x less than what I pay now Grand Central stationDecember 31st, 2006 at 05:18 amEven though I have never been there it felt like I was today. As you all know I work part-time at a luxury senior living facility and the power went out...I got a call from every single resident in that place and it is well over 500. They drove me nuts tonight "my power is out" or "should I take the elevator" oh yeah "what time is it?" even "can someone come up and reset my clock" or "I think I left my stove on" I could not wait to get out of there, I thought just go to bed but no they just kept calling and calling and calling. Then the power came back on and now the calls were "what time is it?" and "what happened" or "will I have dinner" and "my power is on but can you send some one up just to check my place" Hope tomorrowis a better night HSBCDecember 31st, 2006 at 05:02 amI have an HSBC account in which I do not deposit any funds because it is a headache, it is not as easy as ING. My long in ID is about 10+ digits long and I can't remember it this is eally the main reason any how they are offering 5.05% more than ING and now there is a local bank in my area on Thursday I am going to check it out to see if I can deposit there if so all the money for the house will go to this account since I will be earning more interest 60% solutionDecember 30th, 2006 at 05:16 pmWhen I first found this site early 2006 was actually participating in the 60% solution in which you limit your spending to 60% of your total income or less. Some where down the line I stopped, when or why I do not know. But for the New Year I have decided to start back at it again especially since I really want a house with out any debt..including a car payment. Thank God my card is paid for with very little problems. Here is what I plan on doing it's a little different than what's posted on MSN: Making $6.50 an hourDecember 30th, 2006 at 05:05 pmHere is a story I read on another site that I would like to share with others it is very interesting how some one can go from living comfortably to almost a check away from proverty Tip of the dayDecember 30th, 2006 at 04:58 pmI get email tips on a daily basis about saving and decided to start sharing these tips here so here is the first entry: $20 ChallengeDecember 30th, 2006 at 04:46 pmI am trying to add $25 a week to my challenge/home account as well as any additional funds I may have, anyhow I went ahead and added the last $10 that I have in my checking account for bills to my new home account. I am very serious about becoming a home owner by 2008 and I need to save as much as possible. My new total is $281.47 $4.00 challenge/debtDecember 30th, 2006 at 04:40 pmI was so lazy today I ate out for breakfast $3.93 so of course I have to pay $4.00 to my student loan debt to match this amount so my new total is $885.03. Wow I am getting this debt down I can not wait until it is paid off Wow...Saddam executedDecember 30th, 2006 at 01:51 pmWow I get up and the first thing I do is read my blogs here, just so happen I was reading a blogger's blog who frequently visits Roubini so I decided to check it out and found that Saddam was dead. I am in like shock I know he did terrible things but I almost feel really bad. At one point I was all for capitol punishment but then I was on a jury who had to first convict some one then determine his faith...it was the hardest decision in my life because I/we wanted to be absolutely sure. It was a teenager who was bullied in school who stole his grandparent's gun. The kids at the school had pressured him to fight so he was nervous everyone who testified stated he did not want to fight and he kept saying so. Anyhow the day of the fight he took the gun and told the kids he did not want to fight he shot the gun in the air and of course we know what goes up must come down but the point is I guess I am a little nervous about any retaliation, I guess I should not be worried New Year's ResolutionDecember 30th, 2006 at 02:55 amHere it is my New Year's Resolution oopsDecember 30th, 2006 at 02:29 amDarn, I just checked on the my cc for some odd reason I thought I paid it off but I guess not. I must have missed a X-mas transaction and now I have to find the receipt because I am not sure of this transaction...I am sure I used the card since I was using it during the holiday and paying it off right away as goes, but how could I have missed over $47 now I have to add interest as well. I am soooooooo annoyed but I paid it and kept my goal for 2007 Dining out cost meDecember 30th, 2006 at 02:01 amAte out today for lunch and dinner but at least I have some left over for lunch tomorrow. Any how I had to match the amount (not quite) and add it to my challenge house money. I look at it like this if it is extra money I should be adding it to my saving account for a new house and not eating out. So in the end I added $6.89 7 Steps for 2007December 29th, 2006 at 03:06 amI got this in my inbox today from Bankrate.com and decided to share with everyone. I am sure you are aware of these steps to becoming debt free but just a reminder to 2007 Loan payment receivedDecember 29th, 2006 at 02:30 amMy sister paid me the $200 she owed me today, which was a miracle she normally pays in increments...but thank God I got it back. Now I am waiting on $50 from a friend and $30 from my nephew hopefully I will get that some time next month Added another buck to the challengeDecember 28th, 2006 at 11:21 pmI added another buck to the challenge because i spent no money today and this was added to my new home account. I am serious now about saving for a house, I definately want to be out of my mom's house by the end of the year PaydayDecember 28th, 2006 at 07:39 pmyippie it was payday today from the part-time job, there was amemo that we may get paid on Friday due to the holiday on Monday, but everything worked out and I am happy. I made an extra $13 after taxes for the tqo extra hours I worked not a really big deal but I am adding this to my challenge/home account. The goal is to have atleast $10,000 saved for a new house by December '08 so every little bit helps |