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Feels Good

June 29th, 2018 at 03:27 am

This journey of getting out of debt is a slow and steady process for me but I’m happy. I have to do what works for me and keeps me motivated.

Today was payday πŸ’° and prior to paying anything I always take a look at my budget. I noticed that I was only paying $9 to CC5 πŸ’³. I thought nope, nope this is unacceptable.

So I change somethings around. My cellphone πŸ“± was actually $5 less this month, I reduced both the EF and sinking fund deposits by $10 each and also reduced my offering (not my tithes) this pay date. By doing this I was able to pay an extra $45 on the CC πŸ’³.

Unfortunately I did find a few bills, like the electric πŸ’‘ and water, were under budgeted , so some adjustments were made. But all in all I’m stoked, as long as I can pay extra I’m good.

I think what I’m feeling so good about is, one I’m knocking these credit cards πŸ’³ out. This year was one a quarter and I know I’m on track. Next year with the higher CCs it will be two a year. Hopefully once this house 🏑 sells I can knock them all out.

Secondly, saving for what I want and upcoming expenses. This is actually one of the best feelings. Just knowing that I’ll have the money in October to pay my car πŸš— insurance for six months is great. That will surely free up an extra $100 a month. See right now I’m paying $166 a month, (I know it’s high, I’ve already called around and this was the best deal. Even a friend who has her own agency told me this was good) I also set aside $100 a month to be able to pay this sucker at once. But once it’s paid for six months I only need to sock away the $166. Not to mention I think when you pay it for six month about $50 is knocked off.

For the first time ever, I’m saving for Christmas πŸŽ„. No more stress. I can actually host my holiday game night without stress and I love it.

Another first timer, medical. Saving for medical expenses was never an option or thought. But I’ve saved up for my eye exam, and if I keep this up I’ll have the money for my dental cleaning.

It just feels so good.

5 Responses to “Feels Good”

  1. AnotherReader Says:

    Has the court hearing with your brother been held? Do you now have court permission to sell the house?

  2. creditcardfree Says:

    You are doing pretty well! it is smart to save for those known expense that absolutely will come around every year such as insurance (we pay our premium ever six months) and Christmas.And with Christmas I have found it sort of like a game to keep my expenses within the amount I saved. I only save and spend $600 a year on Christmas, of course, I have reduce the number I buy for significantly which helps with the bottom line and the stress.

  3. rob62521 Says:

    You have been doing a great job paying off debt. And saving for unknown expenses is wise. Keep up the good work!

  4. veronak Says:

    We went to court, and the judge was furious because my brotherÒ€ℒs attorney tried arguing why the house should not be sold. Apparently the hearing was set to sign off on the contract to sell the house but they came to dispute. This was not an evidentiary hearing where you present evidence as to why something shouldnÒ€ℒt happen etc.

    My idiot brother then got up to speak, and all I could say was thank you Jesus, because I knew once he opened his mouth that was going to be it for him. And sure enough the judge got annoyed and his attorney walked off before things got worst smh. I was hoping he would have kept talking. Needless to say we are going back in a few weeks

  5. AnotherReader Says:

    Another few weeks of free rent for your brother...

    What is the purpose of having yet another hearing? Did the judge state this will be the final hearing to approve the sale?

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