Home > Archive: December, 2008

Archive for December, 2008

Happy New Year

January 1st, 2009 at 03:09 am

Just wanted to wish every one a safe prosperous New Year

End of the month

January 1st, 2009 at 12:05 am

Well my numbers are in and compared to last year I did much worst. My income dropped about $6k since I quit the part time job and all my expenses were too high

Total Income $30,816.86

Expense Categories
Automobile $1,620.29
Bank Charges/Finance $126.72
Bills $36.00
Cash Withdrawal $35.00
Cellular Services $745.83
Charitable Donations $225.00
Clothing $3,323.76
Dining Out $701.58
Education $1,166.69
Entertainment $55.00
Gifts $609.02
Groceries $2,037.73
Healthcare $5,386.66
Hobbies/Leisure $134.96
Household $815.28
Hurricane Supplies $100.14
Auto Insurance $895.47
Internet $481.39
Job Expense $31.78
Leisure $9.00
Loan $1,130.33
Misc. $7,019.17
Personal Care $1,529.21
Phone/Wireless $43.47
Services/Memberships $172.00
Snack $15.10
Taxes $4,619.09
Travel/Vacation $440.19
Utilities $2,118.12
Expense - Unassigned $2,260.76
Total Expense $37,884.74

Auto Loan -$2,136.12
Grand Total -$9,204.00

Total cash on hand $3678.02

45 minutes

December 31st, 2008 at 11:45 pm

On the eliptical and I also burned 309 calories so I added $1 to the challenge debt. Today is the last day of the year and it seems like I have gone backwards but I'm looking foward to a new year. I have to go through my expenses and am afraid to even look, but oh well

Lunch worked out

December 31st, 2008 at 06:12 pm

I was upset because I left my lunch at home and then I remembered I had a GC for Sweet Tomatoes Big Grin so the only thing lunch cost me today was .49 so I added $1 to the cc debt for dining out and $7 to my challenge house fund because that is what I would have spent had I not had the gift card

Darn it

December 31st, 2008 at 01:14 pm

I was doing so well these last few weeks and today I forgot my lunch, arrrrrrrrgh
So now I have to buy lunch which burns me
In addition, I had breakfast at home so rather than adding my $2 for not dining out I was only able to pay $1 towards my challenge/cc debt because money is really tight until the next pay period
I also had to cancel my oil change and tire rotation but that's ok because I have a little more than a 100 miles to go before I actually need to take care of this

What a work out

December 31st, 2008 at 04:38 am

After the day I had I went to the gym and worked out longer than I ever had. 1 hour on the eliptical and I wasn't even tired, I couldn't believe it. I remember there was a time that after 10 minutes I would be dizzy and huffing and puffing but not tonight; I felt great. Then I worked on my legs, arms and abs, I am so proud of myself. Tomorrow it's just cardio and abs
The eliptical said I burned 425 calories but since I worked on other things I wonder how much I really burned

What a day

December 31st, 2008 at 12:23 am

Well I have a lot to blog about (sorry for the long post)
First, I just realized that I am going to have to cancel my appointment for an oil change as well as tire rotation until next pay period and besides I still have about 200 miles to go before I actually need one. I also have to cancel my dentist appointment for the crown until mid February. I totally forgot about my storage bill of $48.47 this amount is automatically charged to my BoA cc on the first so I went head and paid it in addition to adding $2.00 for going to the the gym

Now on to family and friends, My mom and I go to TJ Maxx home store and on the way she says oh I left my CC but I am not buying anything (my mom is a saver and will save every dime so I wasn't worried) But we get to the home store and she finds some things and asked if I can charge Arrgggggghhhhhhhhhhhhhh!!!!! I am so annoyed because I do not want to charge anything, I MEAN NOTHING. I know my mom will give me the money that's not even the point because she's good about paying bills and saving ( I wish I was more like her when it comes to money) but I simply do not want to charge thing any more bottom line; needless to say I charged $48 worth of stuff

Now my sister (oh boy) About 2 weeks my sister called to borrow $300 I lied and told her I had the money in a different account and if I transfer the funds it will take 2-3days before I can get it. So she says to me go ahead and transfer the money and I will call my uncle. Well she called my uncle who loaned her the money. She paid him back. Well today she calls and she says to me, did you transfer the money? Well she caught me off guard and I said to her no because you borrowed the money from N. She then says well transfer it because I need to pay my rent and she'll give it back to me next Friday. Now this is my savings for my new house and I do not want to touch it but I told her it was the money for my tuition. If was I thinking I would have told her I already used it to pay my tuition (lie of course) Now when she borrowed the money two weeks ago, it was to pay her rent (of course she was late) now two weeks later she need to borrow money again. It is obvious she can not afford this place. I told her when she was looking for a place to move into a two bedroom but because her two boys was going to live with her and my BIL. But according to her they needed their own space and she wanted them to be comfortable (These are grown $%$% men). First of all she just lost her house, which was a 3 bedroom; how come the kids couldn't share a room and if they wanted their own space then they should buy or rent their own place. Then her and my BIL separated about a week after they moved into this 3 bedroom apartment, my middle nephew who is so disrespectful cussed her really bad and moved out (mind you he’s in his twenties and do not work so it wouldn’t make a difference if he was there or not) and now her youngest son has decided to live basically with his girl friend and go to her place (my sister’s) to eat and shower. Come on !!!!!!!!
Either way I said Ok but she won’t get it until close to her payday to ensure I get my money. I will tell her the funds were transferred on Tuesday and if she's late with her rent then that is her problem

On to a friend of the family. My brother use to date this woman who had custody of her grandson after they broke up she stopped her grandson from seeing my brother. Ok we have not seen him in years I would say maybe 10 (he’s 18 now) well all of sudden he started coming around and I had this bad vibe about him, couldn’t put my finger on it. So my mom and uncle would give him a few dollars here there. First he tells my mom he has a job, only to tell me that he never told her that. Then he comes here with a necklace that is worth $600 but he is selling it for $50 hmmmmmmm. Anyhow his uncle is still friends with my brother and told my brother to let us know to watch him because he has been breaking into homes (I knew it was something) Well for about 3 weeks he has not been here and today he shows up. Asking my mom if he and his girl friend can move in because his grandmother put them out accusing them of using her credit card and charging $1600. WHAT! He say’s that there were times when she (grandmother) would send them (he and girlfriend) to the store and they never remembered her pin number and would have to call her for it, yeah right. And the kicker is who ever used the cc withdrew $400 one day and went to the mall the next. Yeah and we’re suppose to let you move in?

Now after I had a chance to calm down from today’s events my phone rings and it is my nephew (my sister's son) can he borrow $10…WTF!!!!!! I am really pissed because my sister had previously informed me that on Saturday he came home to let her use the car (hers was repoed) she goes on to tell me that on Saturday he comes in and ask to borrow $10 for lunch and he was paid on Friday. Now why is it Saturday and you do not have any damn money? You’re not paying rent, water, electric or anything else. He’s got this girl friend with a baby who I think is taking advantage of him. First of all he has a learning disability in addition to schizophrenia. The girl friend who is not from the U.S. is dying to get married. First it was her mother with only a few months to live and they needed to get married, next she was moving to Canada and needed to get married then they were going back to Haiti and needed to get married…unbelievable

I cant wait to get to the gym to release some stress

$124.12 Left

December 30th, 2008 at 09:09 pm

Well I have a $124 left in my checking 1 account to last me for two weeks but I have to get an oil change and have my tires rotated which is about $80. Oh I forgot I have about $40 left in cash. Maybe I'll put the tire rotation off until next pay check
Glad I was able to fund my house/EF fund not by much but something. My goal is to not spend a dime on anything if I can help it until next pay period
Wages & Salary
Gross Pay $1,174.13
Total Income $1,174.13

Cellular $101.47
Charitable Donations $20.00
Car Loan - Interest $118.27

Mom's cell $40.00
Federal Income Tax $121.74
Medicare Tax $17.02
Social Security Tax $72.80
Total Taxes $211.56
Electrcity $113.97
Total Utilities $113.97

Total Expenses $605.27

Auto Loan -$263.02

Income less Exp $305.84

$20 challenge

December 30th, 2008 at 01:59 pm

Added $2 to my challenge/cc debt; had breakfast at home
So far I am doing pretty good with not dining out for breakfast or lunch

Pay day and I'm broke already

December 30th, 2008 at 03:33 am

Went to the gym and paid $2 towards challenge/cc debt
Tomorrow's payday and as I'm going through my up coming bills and I'm broke already.
$381.29 Car
$25 IRA
$113 Electric
$40 mom's cell phone
$100 my cell phone
$43 water bill
$20 church
$70 EF
$10 misc savingsI haven't decided how much goes towards the house fund yet, plus tuition is due


December 29th, 2008 at 10:42 pm

My day is over, when I leave here (work) I'll be heading to the gym.
Anyhow I did not spend a coin today but
I added $2 to my challenge/cc debt,for not buying breakfast or lunch
Plus I got $3 from Pinecone so I added that to my challenge/home fund

Good day

December 29th, 2008 at 02:33 am

I am so proud of myself; I managed to hit the gym ($2 added to my challenge/cc debt) and completed a full work out. In addition, I washed, colored and curled my own hair which saved me $35 so $35 added to my challenge house fund (bal $1192.82). The goal is to up this account by $500 each month. I also had breakfast and lunch at home so $4 was paid on the cc debt). All in all today was a good day

Wasn't in the mood

December 28th, 2008 at 05:31 am

To go to the gym that is. I guess this is the two week hump I heard about. Today I simply wasn't in the mood but I went any way since I'm paying for it. I did do the 20 minutes on the eliptical but only 30 crunches instead of the normal 50

Tomorrow I'll get up early and make up for tonight
either way $2 was added to my debt


December 27th, 2008 at 02:58 pm

My brother and his family are on their way from GA to surprise my mom, how long they are stating? I have not idea but either way it will be too long. I love my brother and his wife who is really nice but they drive me crazy. My nephew I adore but he's such a whiny little kid it drives me crazy and my neice, my SIL's daughter hmmm I just don't know. The thing is, is that we really don't have the space so we'll basically be on top of each other which is the problem that I have. Either way, they'll be here and I would have to deal with. I am hoping and praying that the $25 GC from mypoints arrive today so I can give it to my neice as a Christmas gift otherwards I would have to give her cash Frown which I am not hoping for
On a different note I had breakfast at home so I am adding $2 to my challenge cc/debt


December 27th, 2008 at 07:02 am

It's 1:55am and I just left the gym took a quick shower and now am catching up on all my recorded programs. I'm so glad that I joined the gym, not only am I losing weight but I'm feeling much better
$2 towards the cc

Wasteful spending

December 27th, 2008 at 03:41 am

Went to Publix because I needed some bandages and neosporin for a hang nail that is going to be the death of me.
In the mist of my shopping I was feeling lucky so I bought a $1 scratch off and didn't win a thing so $2 is added to my house fund...not lucky after all

$10 a week

December 26th, 2008 at 11:07 pm

I just transferred $10 to my challenge/home fund and decided to transfer $10 a week to this fund, not much but a start. I also notice that I did not included $21 from Pinecone and $15 from lightspeed so my new total is $1155.82 a little less than $10k to go Smile