Added $4.08 to the challenge brining my new total to $1198.91
Archive for February, 2007
I just checked my points with Mypoints.com and I have a total of 3,050 points. This is great because I plan on cashing in, in November for X-mas gifts. I am hoping to have over 10,000 points which would give me at least 3 GC. You need about 3250 points for a $25 GC so if I can hit my mark by November that would be great
Now that I am debt free (sorry I am still grinning) next Monday would be my first paycheck in which I only have to pay necessities such as water, cell phone and internet. Now I use to pay $20 each pay period towards my student loan and have decided to add this amount to my tuition/ing account every month. I figure why stop now
I have a friend who is currently looking for a BMW. Anyhow she realizes that she can not afford $600 a month on the 5 series ( the one she wants) and now is considering a lease because her payments will be much less and she could afford it with the option to buy. I said to her if you can not afford to buy then it is not affordable if you have to lease. I am I wrong; she thinks this is just a great idea. I have tried explaining to her even people who are financially set tend to not lease statistically
I stayed home last night saved about $30 but I am onky adding $20 to the challenge + $1 for not spending today
New total $1194.83
This was in my inbox from the Dollar Stretcher and decided to share:
She Saves $90 per Month
I found an easy way to squeeze out $90 or more per month to
deposit in the savings account by totaling the following:
(1) Reward card savings - I total all the sale price and card
"savings" listed on receipts and earmark that amount for
savings. This can total around $50 per month. (After all, I
would have spent it anyway.)
(2) Spare change - My bank has a "Keep the Change" program
that rounds up each debit card purchase to the nearest dollar,
and deposits the difference into my savings. This can total
around $15 per month. I also roll my coins as they're
received, and this totals around $12 per month.
(3) Luxury tax - Any time I buy something not strictly
necessary, I tax myself 10% of the purchase price.
Unfortunately, this totals around $15 per month now, but at
least, it keeps me honest
Well I was planning on going out tonight and decided not to...basically the person I was going with did not want to wait and I was going to drive myself anyway, well it all worked out because I saved some money about $30 ($10 cover charge and two drinks at $10 each)
I added to the challenge today in the amounts of $.64 (rounding up the change) and $9.11 (had lunch and dinner out)
New total $1173.19
Finally I am totally debt free I got my tax return (not much but thankful) and paid off my last student loan which was $767.93
I am soooooo happy, no cc no student loan, no car payment. Now I can start socking way for my house
Part of my challenge was to pay off debt, last year I used the funds to pay off cc and only two months in the year and my student loan is gone. I am sooo excited I can not stop grinning
Added to my chllenge today. I took the stairs $1 and then I got "B" on an exam in which I did not study for and had no clue so I added $2
New total $1164.08
Well tomorrow is payday (part-time job) I decided to save a $100 each pay period which is $200 a month from my little part-time gig, in order to reach my $1000 a month goal (well this should help). So I added my first $100 to the challenge + an extra .51 giving me a new total of $1149.29 leaving me with $850.71 to go before I reach my goal for the month
Sold a book on Amazon, I will make $11.50 so I went ahead and added this money to the challenge.
New total $1060.28
Leaving me with a difference of $939.72 in order to meet my March goal of $1000
Added $16 to challnge because I had breakfasto out and dinner, so I needed to match this amount
New total $1048.78
I have set a new goal, and that is to save at least a $1000 a month towards my new house which will give me $11,000 end of December. Any how I just added my weekly deposit of $25 + .20 to my challenge brining my total to $1025.97. So wish me luck
You know I never knew what it was like to have a EF. Now I am trying soooo hard to build one up. Today was payday and I would have had an even $1400 but I had to lend my brother (the one who never borrows) $200. My nephew his youngest son went to jail on Friday and he needed money for bail and an attorney. Now my brother has been having problems with this kid before his mother died and now it seems like he is simply out of control. If it were me I would leave him there. Any how the point is we all need a little cushion because you never know what will happen.
Yep I added the $6 in order to catch up to Tina ...lol. So Now I have made my first $1000 towards my new home now I have $15,000 to go yippie.
Well my brother sent my nephew down for a few days and he will be turning 4 next week so of course he made a suggestion to my mom that we have a little something for him, and of course I am always the one ending up spending the most. I do not want to talk about how much was spent it was less than $100 but more than enough. We had pizza and a cake and then I had to buy two gifts one from my mom and one from me along with batteries. But my mom said eveything went well because I had to go to work
To meeting my $1000 challenge goal, I just added $8.89 to my challenge/home account brining my total to $994.77. I can not wait until I meet my $1000 goal and start working on my second thousand. I feel like transfering monye from my EF account just to meet this goal, but I'll wait tomorrow is payday and i will add the six bucks then
I have been eating out like crazy, I need to really buckle down. I had breakfast out and dinner at least I bought my lunch. So aded to the challenge $4.16
New total $985.25 getting close to $1000
I feel like God has a plan for me. At times I feel lik I have not made any progress with much in my life but then something hits me. My car is paid for, I have close to $2000 saved in case some thing really does come up (never in my life that I can remeber other than taxes did I have $2000 saved). I also have no cc debt, it's funny because when I get my check I feel like I am missing something (a bill that is). And after I get my taxes I will be able to pay off my last debt which is my student loan. Maybe next month I can try the 60% solution or start depositing $475 (that was what I paid for rent when I lived on my own) into my house account. We will see
Now today I was able again to add to my challenge, $1 for the stairs and $1 for no spending then .80 for rounding up my change.
New challenge/home total $981.09