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Archive for November, 2017

Daily Spending

November 30th, 2017 at 04:02 pm

Pay day today, had lunch with a colleague. Our manager has written her up. The woman is crazy and I'm not sure why her retaliatory behavior has yet to be address. Four people has quit because she's just outright nasty, and four have filed grievances. I really didn't want to go but I know she needed it.

Today's spending
$5.65 to CC3 new balance $1019.26. I use a zero base balance budget and had $3.65 to play with so I added it to the CC, plus I had two no spend days, so I added $2

Next lunch was $12.43 this included lunch, I have to remember to order water to keep cost down.

Next I ordered my nephews magazines for Christmas. I was going to go through Ebates for the cash back but found it's more expensive to do that. So $15 for Kids National Geographic, $33.90 for two one year subscription of Boys Life. The Boys Life was reduced by $7 each, I am so glad I waited on purchasing vs using a CC. Next I'll send my other nephew his $25 in a card on Friday. He's 13 so I'm sure he'll want the cash to do what he wants.

Minimum was paid on JCP $117 , and BoA $67.05 CCs

Car insurance was $166.64, I can just kick myself, I forgot to print and sign the change in coverage, I'll be doing this tomorrow.

Of course tithes was paid $160.73 now it's just rent, water, and electric. I'll be taking care of tomorrow.

Oops almost forgot, I got the second interview 😀

Cash envelopes

November 29th, 2017 at 03:31 pm

Balancing my cash envelopes and I had a total of $187, here's the break down:
* recreation $24
* Personal $25
* Groceries $88
* Cleaning $11
* Transportation $39

I added $1.01 of change to my change jar for a new balance of $19.12

Today was a no spend day, so a buck was added to the snowball fund. Hopefully tomorrow is as well.

This budget period is a little tight, so I'm rolling over the $39 in the transportation envelope, the $24 in the recreation envelope and the $11 in the house envelope.

$113 will be added to the holiday party fund. I know a holiday party? This was something that was already planned pre-DR, nothing else (cash) will go to this. We generally have a few friends and family members over to the house the weekend before Christmas, we eat and play cheesy Christmas games. The good news is that we have drinks left over from last year, and crackers left over from the hurricane supply.

I'll be creating a list of items to purchase and sticking to it, spending only whats in the envelope. This is something I, personally would like to continue and I'm sure next year I'll be in a better place. I would cancel but we have people who have already booked to come down months ago.

Other news; the SO went to court, the ex wife changed the child's address at school and presented it at the courts as if the kid lives with her. Smh because the SO was told in August to bring the documents in and the child support would stop, he had the document but he was too lazy to do it. Honestly as he was telling me, I didn't even feel bad, I was thinking when will you finish so I can balance my cash envelopes?

He said he had to pay $500 court cost, personally I didn't care and was thinking oh well so long as you have your rent I'm good. I don't know, I'm just at the point that I want this debt gone so I can move.

Went on the interview, thought it was strange the guy only ask why should he hire me. Oh well it is what it is. I'll keep looking.
I reached out to a friend who works with small businesses to let him know that I am looking for some cleaning work and to keep his eyes open. I either need to get a new job with more money or get a part time gig to pay this debt off quick.

And I'm not even considering

Cable is Off

November 29th, 2017 at 04:57 am

Cable is finally off and I'm happy.
For months the fiancé never pays his portion, he always waits until the bill gets really high, pays something, and not all. If it's cut off, I'd normally take a credit card and pay it, and wait for him to pay me back but not this time. The cable will be turned off at least twice a year. Nope nope nope, not going to happen, I have a goal.

I asked him a few weeks ago, just before the holiday if we should cut somethings out when it came to the cable. He said no, it wouldn't reduce the bill by much. I explain that we had only looked at the premium channels and not the HD channels to remove, he still said no and that he would give me the money. A new bill came, I told him and I paid my half. I reminded him that there was an outstanding balance, I can see he was annoyed but it's not my fault that your mom isn't paying you and you refuse to take a look at your finances or pick up a part time job.

So today, I'm in the bed reading a "Blessed Life," something I do every morning now, and I hear him drop the S word. He comes in and tells me that the cable is off, I say to him "oh well." I'm not paying it, so when ever he gives me the money I'll pay it. After that, if he wants the cable on, he has to put it in his name. I'll give him my share and what ever he does he does.

You see I can log into my mom's account and watch TV so it's no big deal to me. Besides I haven't been watching that much tv anyway, I've been listening to Dave Ramsey, night and day.

The funny thing is I tried to have a budget meeting with him Monday and last night and he said no.

He has rent, light, water and the plot bill due. If I don't get that money for the plot, I'm simply heading down there and removing his off my account. He pays but he's always late which means he never pays. He has the same careless attitude as his mom. She pays everything late, if at all.

Today he heads to court for past due child support. Back in June, and July the mother just stop paying him. First of all he has the kid, and I've told him time and time again to have this taken care of and he refuses. I've told him to take over the business from the mother and he refuses. I cannot wait to pay off the next two CCs so that I can move into a one bedroom.

Paid down CC 3

November 28th, 2017 at 01:37 pm

So the checks cleared, super excited.

I deposited $8.50 to the EF
$3.83 to the sinking fund, and then paid $72.68 on CC3, my new balance is $1024.91 😀. The goal is to have the balance below the $1,000 mark by December.

I really think that this will happen, matter of fact I know it will, Thursday is payday, and I've budgeted an extra $67 on the snowball😀.

I really feel like I am making some traction. One of my colleagues wanted to go out for happy hour, I thought hmmm why not but then I said nope. I have $25.50 left in my fun money and I've decreased this amount for the next budget period so I'm not wasting it on dining out when I have leftovers.

I'm trucking along solo. I asked the fiancé if he was ready for the budget meeting last night, I was planning on asking those questions I think Credit Card Free, DW or Out of the Dark had mentioned and he said no. Oh well, he can't say I didn't try and that he wasn't told that I was not marrying him if his and/or my finances weren't in order.

I can say this, when you have a budget, pay your tithes and stick to the plan, the raise you've been wanting and haven't received is no big deal. Things are falling into place and I'm excited. I know I have a little way to go but CC3 will be paid off in January, I can tackle CC4, the house will sell in February and most of the debt should be gone 🙏🏾

Found Checks

November 27th, 2017 at 04:04 pm

I could not wait to get to the bank today to deposit my findings of $85.00. I called the bank yesterday and was told, that so long as there wasn't a cash by date, I should be able to cash the checks.

One was actually from 2010, that was the postal money order, same as cash I suppose. The other was from AFLAC written in 2013. The transactions are on hold, so I am waiting for everything to clear before I add this to my snowball (CC3). I am super excited about this .

Today was a no spend day, so I am taking a dollar out of my fun money to add to CC3. I figured for every day I do not have a day in that I spend money, a buck goes towards the debt. I'll keep doing this until the end of the month and add the total to the snowball.

Tackling CC3

November 26th, 2017 at 09:58 am

My fiancé said that it was my turn to treat for breakfast, woke up and cooked breakfast 🍳 . No need to spend $35 eating out. We usually rotate but this debt has to go. When asked if I was really cooking breakfast, I said yep and reminded him that I have over $78,000 in debt and that I'm Dave Ramseying. He didn't say a word, and just smiled. I've learned that I can only do what I can for myself. I'm still going to have the weekly meetings so long as he wants to and ask the recommended questions.

In financial news, I saved $55 by washing and coloring my hair, I did the following with the money saved:

* $5.50 EF
* $4.95 Sinking
* $44.55 CC3

Next I was so excited to start the debt BINGO game, that I couldn't wait to pull this week's number, that was $15. So I paid $15 on CC3.

I know the Total Money Makeover states to stop at a $1000 to the EF but I am so scared that something will happen and I'll be back to the credit cards 💳, I want to be able to cash flow everything. I'm only adding to the EF, if I save money like above or come into extra cash. No funds are earmarked for the EF when I create my budget.

The sinking fund I had to create, insurance is due in April and in January my HR certifications are due, I want to have something towards these things.

Went by mom and picked up the pink bows, there was no way I was going to buy any.

Decluttering = Cash

November 25th, 2017 at 12:01 pm

So because I didn't want to go out today and be tempted to spend money, I decided to stay home and clean, one of the things, one does when they're broke 😀.

I put the Christian tree up and decorated with the new ornaments, I lost that battle but that's a different story. My mom has a few pink bows I had given her years ago, so I'll pick them up to put on our tree and give her my res ones. Compromise = my sanity and money saved.

I decluttered our living room. There are pictures everywhere and I can't stand that. They get dusty and I'm the only one cleaning them. So I packed them up. I told my SO last night that I wanted to do away with all these photos everywhere.

Next I tackled my desk, and though I am not quite finished, I am pleased. In the mist of my decluttering and cleaning I found a check from AFLAC dated in 2013 for $75, I'm calling them to see if they'll reissue. There's no note to cash within a certain period, so I'm wondering if I can cash it. I also found another check dated, I think in 2015. This is actually a post office money order, I wonder if I can cash this? I'm calling the post office to find out. The next item found is was a $40 lottery scratch off, yay. I took it into the convenient store and cashed out.

I know how some of you feel but tithing is important to me, so I asked for $5 in ones, took my tithe of $4 off and paid $36 to CC number three.

Losing Battle

November 25th, 2017 at 04:09 am

Fiancé insisted on purchasing new ornaments for the Christmas tree🎄. I'll admit I was excited and did not stay strong. I personally did not contribute to this purchase but I didn't stop it either. I feel so bad. Once he wakes up I'm going to ask him to take these items back, it's about $22 worth of tree decorations. I'll ask him to put the amount spent towards his baby step 1. We can always purchase after Christmas for much less. As Dave says, never pay full price.

The plan was to go to Home Depot, he needed something for his business. Then head to Wal*Mart to pick up lights for the tree. Wal*Mart had them for less than $3 while Home Depot was selling for $5.

While in Wal*Mart I saw the PJs I always get for the boys, that was $4.95 each. I had $14 and some change left in my gift envelope so I picked three up for my great nephews. Not bad Christmas gifts 🎁 . I also saw pogo stick for $15 and I thought these would be cool gifts but I didn't have any more money so I left them. The envelope system works.

While at the checkout I couldn't help but feel bad, I cashed out my items, while he rang up his. I was thinking this is wasteful spending. We have Christmas decorations already, why are we buying more? Just to change the theme, ridiculous.

I remembered the conversation we had just before we left as I stood in line. I had reminded him that he still owes me $200 on the CC2. He asked for what and I him it was for the hurricane supplies we bought. I can tell he was frustrated, he says "Oh yes, I remember let me get somethings taken care of, I have a lot on my plate." It hit me while we were checking out, spending money while we're both down is something that has to STOP 🛑. Both of us cannot be spenders, impulses buyers or those who use buying as a tool to "cover up" how we are feeling, it only adds to the problem. His problems is the past due bills and his mother not paying him.

Once we got home I put the items by the door as a reminder to take them back. I sat down at the table to add my $14.25 spent to my gift register, according to my register I should have $.05 left and that is what was in the envelope. However, when I checked my spread sheet I had over spent on gifts this budget period by $5. I can't figure out how. Looking at the tally in the spread sheet column for gifts, it looks right. Either way, if that is the case, I'm taking one of the PJs bought for next year for the fiancé back, and that $5 will go towards my snowball. Not sure how I went over or why the register not the spread sheet matches. Oh wait, I had money left from the previous month. Okay make sense now lol

Edited to add the conversation.
So he's up and I say I'd like to talk now about what we did last night. He's like what. I say, I think the money we spent last night should go towards his baby step 1. He shuts down and says, we'll talk about it later. This is a losing battle. His rationale is that I have a job today and I'll make $1300 that would be my baby step 1. I'm trying to get him to see the bigger picture. If you put $25 towards baby step 1 you only have $975 to go, right now you have $1,000 to go. Isn't it easier to come up with $975 than $1,000. He says I don't think like him, 🤦🏾‍♀️

I asked him if he wanted breakfast and he wanted to know if it was in my budget. Really? I'm officially done.

Second update to this post. I was so mad that I paid CC2 offthis morning. The thought of my checking account dropping below $900 dollars scares me but I did it. On to number three.


BINGO and Debt

November 24th, 2017 at 05:21 am

Reviewed my envelopes and I have $346 left in all. Not sure what I started out with because a few dollars rolled over and I forgot to jot down how much. I know for the new budget period I withdrew $400. So I can say I've only really spent what carried over. A new period starts on the 30th. The goal is not to let this balance go under $300.

Every week I transfer the loose change to the change jar, this week it was $2.33. So I can say I'm doing pretty good.

I went to JC Penney's because they had men's holiday pajamas for $5. Every year I buy the fiancé a pair as a Christmas gift, I usually spend about $25.

Prior to heading to Penney's I visited the Ebates site because I wanted the 4% cash back, but then noticed the store was charging close to $4 to ship to the store and $9 to ship to the house. Since I was heading to my mom's and Penney's was on the way I stopped by. Picked up two pairs, one for next year. If we're not together I'd give them to my nephew as his gift. I'd budgeted about $100 for him for Christmas but so far has only spent a total of $22. We agreed to keep things at a minimum. I tried to get him to go with the no gifts, but since he's just starting on this process of saving and budgeting, I knew I had to give a little or I'd lose his interest. Compromise 🙄.

I do have one other item to purchase for him, either a watch or cologne and I'm done. I'm sure I can get a good deal on the watch for about $30 leaving me with about $50 to throw at CC2. The kids ( nephews) are getting magazine subscription for $15 each a total of $45 and my neice gets the free $25 MyPoints gift card. My other nephew who is older will get a $25 gift card and I still should have $25 left to throw at the CC2. Though I budgeted $150 total, this is 4x less than I normally spend, I'd like to stay under $125. Next year they'll be a sinking fund for the holidays.

All in all it was a pretty good day. I don't plan on leaving the house for the next two days, saving on gas ⛽️. I also picked up dinner for the next few days from my mom, so I'm good.

Now that I'm Dave Ramseying , lol, I've been on every money site, blog and Facebook group page there is. I saw this yesterday.



It's a BINGO card to save money, each week you pick a number and dump it into your savings. For me challenges are my motivation, so rather than throwing the funds at savings I'll be throwing it at my debt (CC2). There's even a zero to give you a free pass. So starting Monday, I'll be doing this. I realized that the money will be coming from my fun money.

Tough Journey

November 23rd, 2017 at 05:20 am

Finally figured out how to check out audiobooks from my local library. I drive a hour each way to and from work so this will be perfect.

I've checked out Dave Ramsey's "Total Money Makeover" and Robert Morris' "Blessed Life." I'm excited about listening. Years ago I checked out Dave's book but just couldn't get into it. So I'm trying it again.

I'm revamping my budget again for the 100th time. I have a few items coming up that I need to cash flow so I'm adding the sinking fund. Dave says it's okay for a few items but don't go overboard while on baby step 2.

I've decided to take the first 10% of my income and tithe, this is not an option. Any money that comes my way, 10% will come off top for tithes. The 3:10 rule has proven to be 100% correct and I'm only about a month in. The next 5% (half of 10%) that comes off top is the sinking fund. Following 2.5% will go towards debt, and all else is budgeted to line items. I simply have to make it work. After reviewing there's no fun money in the pot for the next pay date. I'm okay with that.

I've paid off over $30,000 in debt before so I know I can do it. It took me about 2 years to do it.
I'll continue to budget some fun money, other wards I know if I don't I'll fall off the wagon. And I know this through trial and error. I realize a pay period here or there without fun money isn't going to kill me.

Pay day is next Thursday and my envelopes are pretty stuffed, I'll take some of this a pay down CC2, others I'll keep in my envelopes, paying for those things coming in January. January is going to be a really tough month. I have certifications that are due, license, tag for car etc.

Today of course will be a no spend day. Heading to mom's for dinner and then back home. I may wash my car, that's filthy. Hmm I'll wash it at my mom's and the five dollars 💵 I would have spent will go towards CC2 💳 .

The journey to a financially sound life hasn't been easy, I've made some bad choices, received some tough love and even doubted myself. But I think back to when I originally started this blog, it was tough then too; however, I made it through and for that I am grateful and thankful for this blog, and my extended family who never give up on me. Though my SA blog family at times may sound like a broken record, and you might even say to yourself, I've told her this before but you all keep reminding and pushing me, and I'm thankful for that.

Lastly I want to wish everyone a very Happy Thanksgiving 🦃

Linen Napkins

November 22nd, 2017 at 03:24 pm

Surfing the blogs and came across a post on using linen napkins vs paper towels, not sure why I haven't thought of this. I have a ton of linen napkins that I use when hosting. I'm going to buy about ten for every day use.

The young lady we donated the food to just got a tv. My coworker gave me a 32" tv for her. That just made my day.

I ended up eating out to day at McDonald's, I wasn't too happy with this but oh well.