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Always Something

July 13th, 2018 at 10:42 am

Always something. I was really hoping to knock 🥊 CC5 out today.

But, I had to budget for contact lens ($150). I wear my glasses 👓 90% of the time but with those special occasions I like to have my contacts. Many reasons why I’ve started a medical fund. I also have to pick up my meds, that’s $27.99. So about a $180 on healthcare that could have went to debt. I know I shouldn’t complain because any other time I would have to use the CC 💳.

I was able to pay at least half the balance on CC5 bringing the total to $225, yay. I’m still on track to have four credit cards 💳 paid off this year.

One thing I’m feeling good about, well a couple:
* Today was pay day and all bills for the month are paid, in advance mind you
* Extra was paid on the credit card 💳
* I cash flowed health expenses
* I was able to also save
* And I love my new job

Though I’ve been on the job just over a month, I’ve been able to make some traction, and my boss is amazing.

In other news, I see things getting worst with the SO and his daughter being pregnant. He’s making things happen and of course it frustrates me because as usual things are late here at the house. What frustrates me is, he’ll make sure the money is available for her but when it comes to the house it’s a different story. I just have to keep reminding myself that one, I’m paying down debt, two once the house sells I can move on, three this is just a minor setback.

Live and learn

Posted in Debt, Family/Friends, Goals | 5 Comments »

5 Responses to “Always Something ”

  1. creditcardfree Says:
    July 13th, 2018 at 03:19 pm 1531495198
    1531495198

    Did you use your medical fund for the contacts, since you knew that was an upcoming expense? It does feel good to pay for things out of pocket then to charge them doesn't it?!

  2. crazyliblady Says:
    July 13th, 2018 at 06:51 pm 1531507870
    1531507870

    One thing I started this year that I had never done before was enrolling in an FSA. You are in that field, so I don't have to tell about the advantages, but just purely from the budgeting side, it has given me more freedom in my budget. I don't worry about medical expenses, because they are mostly taken care of. I do have a separate savings account for medical stuff for my husband who is not on my insurance. A colleague of mine has an HSA, which she highly advocates.

  3. LuckyRobin Says:
    July 14th, 2018 at 02:28 am 1531535288
    1531535288

    I know it can be frustrating when life keeps happening and you are trying to pay off debt, but you really have done tremendously well so far. How much longer until the house thing is taken care of and you can desert the sinking ship? I thought it was closing in June.

  4. rob62521 Says:
    July 15th, 2018 at 07:08 pm 1531681729
    1531681729

    You have done a fabulous job paying down debt. And you are right, you are planning for the future so you can move out and move on with your life. Hang in there!

  5. Jeremy Says:
    July 26th, 2018 at 06:12 pm 1532628748
    1532628748

    I just discovered your blog, and before I offer a small critique I would like you to know that I was 74K in debt which took me 5 years to claw my way out of. During that time I was diagnosed with cancer and experienced a job lay off. Paying off my debt was hell, and something I thought about everyday to work, at work, and from work. Being debt free for 17 months has been a life changing experience...

    For a tiny bit of advice, and I don't want to sound too harsh, because I know fully well how tough this can be but... the contacts should have waited. It's more of a want than a NEED. You could have been $150 closer to your goal. The HSA that was mentioned in the comments is another good idea; that's essentially paying for your contacts with dollars that aren't taxed (almost a 30% discount in some states!).

    Being debt free is 100% worth it.

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