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Archive for January, 2007: Amber's Personal Finance Blog
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Archive for January, 2007

Darn!!! out of checks

February 1st, 2007 at 04:16 am

I hardly ever write a check, other than paying my tithes...well I went to write a check for my tithes and no check. The last time I ordered checks was over 3 years ago. I am soooo upset, now I have to wait for Sunday's paper in order to get the introductory offer for checks

I feel like I am making some progress

February 1st, 2007 at 03:34 am

I finally feel like I am making some progress. My EF is at a little more than a $1000 and I just made a $25 deposit to my IRA which pt me over a $1000 so I am happy with that. The challenge/house fund is growing as well Smile and I have money to get my eyes check (with out borrowing or using a cc) and I still have no CC debt, month number 2 Smile

Amazon

February 1st, 2007 at 03:27 am

Amazon finally paid me for the book I sold so I added that to the EF Smile today was a good day, I got a raise and my book money. I also listed another book on half.com, hopes it sells

$20 challenge

February 1st, 2007 at 03:14 am

well as you know I got a raise today so I added the extra $50 to my EF I also added an additional $76.72 to my challenge/home account as well as another $20 to my challenge debt account Smile

Challenge home account $793.31
Challenge/debt $787.93

Verdict is in

February 1st, 2007 at 03:11 am

here are the totals for the month of January...not too bad, I am glad I got my dining out down a bit, but still high

Total deposits:
Challenge/home $510.92
Car account $65.34
tuition account $64.00


Expense Categories
Automobile : Gasoline $88.08
Automobile : Maintenance $225.08
Bills : Cable Television $67.87
Bills : Cellular $140.25
Bills : Electricity $132.90
Bills : Online/Internet Service $60.52
Bills : Student Loan Payment $97.10
Bills : Telephone $38.02
Bills : Water & Sewer $46.77
Cash Withdrawal - Unassigned $300.00
Charitable Donations $41.00
Clothing $198.83
Dining Out $71.43
Education - Unassigned $1.97
Education : Books $179.63
Education : Supplies $5.77
Education : Tuition $357.70
Expense - Unassigned $0.11
Food $5.00
Gifts $35.00
Groceries $148.10
Healthcare : Dental $11.65
Healthcare : Eyecare $11.94
Healthcare : Physician $30.00
Healthcare : Prescriptions $15.00
Household : House Cleaning $5.14
Job Expense : Non-Reimbursed $10.25
Leisure : Newspaper $4.23
Miscellaneous $235.81
Personal Care $77.29
Sales Tax $30.15
Snack $0.60
Taxes : Federal Income Tax $385.03
Taxes : Medicare Tax $57.22
Taxes : Social Security Tax $244.70
Total Expense Categories $3,360.14

Grand Total -$3,360.14

Got a raise

January 31st, 2007 at 10:27 pm

Yep just looked at my check and I had a .75cent increase now I have to firgure this amount out and start adding to the EF. I am soooo happy

Well my car is not fixed

January 31st, 2007 at 01:07 am

I am bumped for months now I have asked my uncle to take my car to his friend who is a mechanicto fix my a/c. Well he did, but unfortunately the guy had to leave on an emergency and my car is not fixed. I mean I know he has had an emergency but my God...I guess I should look at the bright side I have saved a ton of money but here in FL you definately need a/c

No class today

January 31st, 2007 at 12:55 am

I decided not to go to glass today, I just was not in the mood so I stayed home took a long 9and I do mean long nap)I'll read over some notes and call it a night...I did email my classmates hoping some one will give me heads up on today's class

Continuing with no spending

January 30th, 2007 at 06:21 pm

Yep day two and no spending Smile Of course I am adding a dollar to my challenge brining my new total to $716.59. Tomorrow is payday maybe if my car doesnít cost too much I maybe able to meet my $1000 goal for January, keep your fingers crossed

Another no spend day

January 30th, 2007 at 01:44 am

yep I had another no spend day, so I added my dollar to the challenge
New total $715.59
Oh yeah and my brother just called and stated he has a ton of books that I can have so I will be listing those on half.com or amazon not sure yet but I am lookin forward to the extra cash

Waiting for $48.09

January 29th, 2007 at 05:08 am

Ok I sold some books on these sites, you're required to ship the item with in 3 days but it takes forever to receive your payment. Amazon states you'll receive your payment in 7 days ( at least that is what I thought) now I get an email today stating my funds will be deposited with 5 business days almost two weeks after my item was sold. Half.com only pays twice a month, this sucks...but patience is every thing

recieved my last installment

January 29th, 2007 at 02:25 am

From my friend, who borrowed a $100 about 3-4 months ago. Thank God, i have got to learn to say no when ever anyone wants to borrow money, I just remeber when I use to have to borrow;I guess. Well thank God I got my last $50 and I will be adding this to my EF account, now it is just a matter of getting my $30 from my nephew( I can kiss that goodbye) and $20 from my BIL

rounding up the change

January 28th, 2007 at 05:00 pm

Went to Publix today and spent $32.35, there really ween't any bargains but Idid get a bag of oranges for .99 cents in which I tought was a great deal. Any way I added the difference of .65 cents to my challenge (rounding upe the change) so my new total $714.59

My car is getting fixed

January 27th, 2007 at 03:38 pm

Thank God my uncle spoke with his friend who is a mechanic for Toyota and he will be able to look, hopefully fix my car on Tuesday. Getting my uncle to do anything is like pulling teeth, right now my a/c is broken, my radiator needs to be repaired and something else regarding my tire rod(?) either way he will have it on Tuesday and hopefully everything will be fixed for $300 or less if not I'll be glad either way. My car is very old (89 camry) but I really can not afford a car payment right now and it has held up for atleast 2 years

Adding to the challenge

January 27th, 2007 at 03:23 pm

I know it is early but I am not leaving the house until it is time to go to work , so I am adding my dollar to the challenge for not spending today. I was hoping to hit $1000 by February but it looks like I will be about $200 short oh well

Long distance tax repealed, make sure you get this tax credit

January 27th, 2007 at 02:30 am

IRS has offered a credit for long distance service

http://www.bankrate.com/brm/itax/tips/20070126_phone_refund_a1.asp?caret=1

please check out

Pay stub

January 27th, 2007 at 01:31 am

I just got my pay stub from two weeks ago and realize that I actually had two hours of OT, now I have to add this money into my saving account. I wish I had this earlier. My boss is terrible when it comes to these things, thank God I have direct deposit

No spending

January 27th, 2007 at 01:05 am

Other than the gas I bought today, I consider it a no send day so I added $1 to my challenge/home account giving me a new total $712.94 Smile I am really making progress. Next I went ahead and added a $1 to both the account that I started for tuition/books and a new car. So I guess I did ok today

Trying new things

January 26th, 2007 at 01:13 am

I do don't know I always seem to make the same things for dinner, never going out side of the box. So I decided to make wraps and boy they were delicious; I never knew wraps could be so good. I was just driving along to class and thought wraps for dinner will be quick and easy I'll try it and I am glad I

Not to bad today

January 26th, 2007 at 01:07 am

As far as the challenge goes, I added $1 for taking the stairs, another $3.49 because Publix had BOGO on chips so I matched this amount, another $3 for having lunch at McDonald and then about $.70 I rounded up my change...oops I forgot I got paid today frommy part time job so I rounded down and added $35.59

Total deposited $43.81
New total $711.94