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Archive for June, 2019

Interest 🤦🏽‍♀️🙄

June 24th, 2019 at 06:27 pm

I hate interest. Before my legal issues I had paid $300 on CC10, my final card, only to be hit with a $100 in interest 🙄🙄
No complaints, that’s what I signed up for when I agreed to use the card. I was really hoping to get this sucker gone but nooooo my jack🤬 of a bother decided to file a suit 🤦🏽‍♀️🙄. Every time I think about him, I get ticked off 😡. I’m more ticked off with him causing me to delay making extra payments.

Other news, I meal prepped today. I ended up throwing out a few meals in the freezer, from the previous meal prep, they were well over the time span. I’m going to make sure that doesn’t happen this time.

I did eat out today $3.20, I’ve got to get back on my game.

Lack of Customer Service

June 24th, 2019 at 07:08 am

Went into Walmart showed the cashier my healthy card discount, tried to explain to him how it works and he gave me the hand 🖐 🤚 as if to say I got this know your lane. Long story short, he had no clue and doubled the amount due. After all of hid debacle, I had to wait for him to re-ring my items up. Of course this time he got it right.

Next I went into Publix, waiting to be served and the deli clerk was playing around. The other clerk kept asking for help and of course he wasn’t interested. Once he got to me, he kept screwing around and I had to finally use my parent voice.

Customer service has gone out the window

Today the first payment of $2500 hit the CC. I was unable to pay via myCheck Free the full amount charged of $5,000. Tomorrow the remainder will hit. Also the money from the rental was received so this was added back to the EF. This week is a pay day week, I think I’ll be able to add $1,000 to the EF.

I need to get an oil change so I’ll do that on my lunch break. I also need to schedule for a tire rotation.

Upped EF

June 23rd, 2019 at 03:57 am

The tenant paid the rent $850, via cash app. I’ll throw $100 into the rental property account that I manage for my siblings and $750 into my EF, to rebuild it. Thank God, they agreed to let me use the money for legal stuff.

My rollover hit my Fidelity account and I’m suppose to pick some funds, but before I do that I will definitely research and get an understanding of how things work. I still have to roll over another $200.

As you all know I’m in a battle with my idiot brother. Yesterday I read this in my daily devotional.

“Truth is the absolute standard by which reality is measured. We may even have the facts, but you can have the facts and still not know the truth. Jesus said in John 8:32, only the truth can set you free. You can have information and not have the truth. Focus on the truth and watch God use it to bring you victory. “ - Tony Evans

This devotional really drills home, you can have the facts and not know the truth. That’s what I’m experiencing with my brother. I can’t wait for this to be over.

Upped EF

June 23rd, 2019 at 03:57 am

The tenant paid the rent $850, via cash app. I’ll throw $100 into the rental property account that I manage for my siblings and $750 into my EF, to rebuild it. Thank God, they agreed to let me use the money for legal stuff.

My rollover hit my Fidelity account and I’m suppose to pick some funds, but before I do that I will definitely research and get an understanding of how things work. I still have to roll over another $200.

As you all know I’m in a battle with my idiot brother. Yesterday I read this in my daily devotional.

“Truth is the absolute standard by which reality is measured. We may even have the facts, but you can have the facts and still not know the truth. Jesus said in John 8:32, only the truth can set you free. You can have information and not have the truth. Focus on the truth and watch God use it to bring you victory. “ - Tony Evans

This devotional really drills home, you can have the facts and not know the truth. That’s what I’m experiencing with my brother. I can’t wait for this to be over.

Legal Fees

June 20th, 2019 at 07:06 pm

Whew, so I hit the submit button to pay the credit card for legal fees today. While doing so I had an epiphany, God had me working so hard to pay off these CCs for a reason, and this situation is it.

Without the credit card 💳 debt, I should have the $5k replaced in no time. By next week, I should be able to throw about a $1,000 to my EF. This week, it’s $200. This is the extra money I was to use for CC10 that I stopped and forgot about 🤦🏽‍♀️🙄. I also need to stop my payroll deductions for the Christmas, birthday and vacation club. The vacation/fun, I think I’m going to transfer that to the EF

My two other siblings told me to take the money off the rental to pay my legal fees, that’s $850.

I sold an item on Poshmark so I’ll throw this at the CC as well.

God is amazing, he prepares us for things we don’t see.

In other news, I’ve been off my A game, I haven’t tracked my spending, scanned receipts 🧾 and I’ve eaten out twice this week. I really have to get back on track.
I did cancel a hair appointment, saving me $45 though.

Lastly, when I did my budget, I factored in a raise. The budget was approved and pray fully the CEO doesn’t change her mind, she’s notorious about doing so.

Please continue to pray for me, I know prayer changes things, because I’m not as upset as I normally would be in these types of situations.

Got An Attorney

June 19th, 2019 at 07:39 pm

Praise God I found an attorney and it’s the one I wanted to go with.

She’s not recommending that I sue my brother, but file something or another that will put his attorney on notice, that he’ll be responsible for my attorney fees when found that this case is frivolous. This makes me think that his attorney will drop his case. Either way, I told her all I want is for him to leave me alone.

Though I know I didn’t do anything it’s still overwhelming. To retain her, it was $5,000, thankfully I had the money in my EF and I didn’t follow DR plan with only $1,000. I charged the fee with the CC and will pay it off immediately. I’m racking up the points to cash out to add to my EF.

I’m putting CC10 on hold, to build the EF back up, because I know I’m going to have to cash flow this foolishness. I’m also putting the retirement on hold as well. In addition I realized that the probate attorney never closed the estate 🙄🤦🏽‍♀️. I’m hoping I can transfer the probate matters to the new attorney. You pay for what you get.

Either way, I’m giving God all the glory and the praise, for guiding me and walking me through this process.

Keep Praying For Me

June 19th, 2019 at 03:37 am

I wake up and thank God every day, especially since this mess started with my brother.

I’ve reached out to a few attorneys, all of whom shared with me so far that they do not take my type of cases. I have a call into another from yesterday and one today. I’ll admit when the first one said no, it knocked the wind 💨 out of me, I felted defeated. But I quickly realized God is preparing the right one for me. God has prepared and showed me so many things this week, I know that he is going before me.

Over the last few days I have not cried. I battle with depression and normally when things hit me like this, I’m like/start thinking I don’t want to be here. But I can say, by the grace of God, those thoughts do not cross my mind.

God prepared me for this battle of spiritual warfare, he’s been doing so for some time
1. The relationship my dad and I had was amazing, my dad would talk about and educate me on things in the Bible to the point I wanted to be like him that I started studying a little more
2. I found a church home ⛪️ that’s amazing
3. It was placed on my heart not to be in debt, save, now I can cash flow my legal fees
4. The week before I dreamt about my dad and my brother, I studied Ephesians 6:10-17, the armor of God, getting ready

So many things have happened but I can tell you, I’m not as bad as I thought I would have been.

SO has really stepped up as well. For this year he’s paid everything on time and over the next few months he will take on all/most of the bills while I pay legal fees.

Oh I almost forgot, I finally accepted the court summons. No need in ducking it

I just ask that you all keep me in prayer, I know that the truth will prevail, it just daunting at times.

The Devil Will Not Win This Battle

June 16th, 2019 at 04:45 pm

I realize I’m in a fight for my life and God is standing with me. All weekend the word of God had been spoke over me.

From the day I was crying and my friend text me I love you, to yesterday when the message was of that of Esther and Ruth. Two women who went through the storm and God brought them through. Esther, reminding me of a conversation my dad and I had, in that he told me not to tell my brother. Then this morning during a spiritual chat, the word appreciation came up. It was a word that my dad often used.

I’ll be lying if I said I’m not nervous but I do have a sense of peace. God will stand before me, protect me, the truth will prevail.

I’ve decided not to let this situation hold me hostage. My siblings told me to use the rental property money for this mess. So that’s an extra $850.

In other news, I balanced my cash 💰 envelopes ✉️ and for last pay period I came in under budgeted by $69. I’m so excited.

I’m also participating in a envelope change, each day I take a few dollars from an envelope and save, the goal is to come in under budget. I like this challenge. Of course any money saved will go towards legal fees. Who would have thought I would have legal fees.

I’m thankful that I started paying down my debt, and I will continue to do so. I may not be as aggressive as I would like to be but I’m not stopping. The devil will not win this battle.

Feeling Better

June 15th, 2019 at 06:10 pm

Today was a better day. I woke up and said stop crying, you’re giving him too much power, you did nothing wrong. I prayed, reviewed my daily devotional and went to the luncheon I had paid for.

I’m so glad I went, one of the scriptures shared was Deuteronomy 31:6 “Be strong and be brave. Don’t be afraid of those people because the Lord your God is with you. He will not fail you or leave you.””
‭‭
I needed this to

$7500 for an attorney

June 14th, 2019 at 10:18 am

I just had a consultation with an attorney, the cost to retain is $7500. That’s my entire savings. I don’t know what I’m going to do.

I Just Don’t Know

June 14th, 2019 at 04:22 am

So I reviewed the court documents on file my brother is alleging that while my dad was in his death bed I asserted myself as power of attorney and did the following
1. Took money out of the bank five days before my dad died. - I did, we got word that he was dying and was able to come home, he told me he (dad) wanted to come home. So we put an ac unit in the home (mind you the jerk brother is reaping the benefits from the home), all siblings were notified and agreed. I also bought his (dad)plot. I called everyone and asked that they come with me to do so, my sister couldn’t because she had hospital duty, my one brother was two hours away and the jerk in question decided he was going to work. So I asked my oldest nephew to go with me.
2. After dad died, I continued to pay all the bills in the home (electric, water, cable) as if he was still alive. My brother, the jerk lived in the home
3. The remaining funds paid the taxes on the homes, and attorney fees

I just can’t make any sense of this. I’m somewhat at peace but I’m still angry, but and just plain old pissed off.

The thing is my dad didn’t want him with anything and I convinced him to leave part of the house for him


Annoyed

June 13th, 2019 at 07:56 pm

I’ve been blogging for quite some time here. You all are like my family. I’m really down, mentally and emotionally and the site is down.

I’ve never experienced any issues like this until the last 1-2 years. I’m thinking I may stop blogging

Pray For Me

June 13th, 2019 at 06:19 pm

Well I have to put paying off the credit card on hold, my brother is suing me again, saying I stole money from my day.

Please pray for me, I feel like I’m going in a dark place. Lord knows I did everything right

Sunday Rambling

June 9th, 2019 at 02:43 pm

Just some Sunday rambling. I checked my accounts and earned a total of $3.59 in interest last month. Interesting, I pay 100x this in interest each month. Baby steps.

My grocery cash envelope has about $4 in it for groceries. I have chicken I can prepare and I’ll go pick up some strings beans to go with it. I still have a few meals in the freezer, so I should not go over. I’m impatiently waiting on pay day.

I called Fidelity and found out that I can set up direct deposits to my rollover account through my employer, Vanguard doesn’t allow this, I thought this was cool. I’ll set this up tomorrow.

I also completed the rollover/transfer form to transfer the $74 from the traditional IRA at Capital One 360 to Fidelity. I should have close to $3K once I get everything all rolled over. Then it’s up from there.

CC10 was bugging me, so I paid the $185.85 to bring the balance to $8,000. Friday is pay day and I’ll be throwing about $200 at it, then two weeks later I can throw another $1,000 at. Can’t wait to get this baby paid off. I’m anticipating 8 months to pay off but I really think it will be paid by Christmas.

Opened the Fidelity Rollover Account

June 9th, 2019 at 07:00 am

Opened the Fidelity rollover account. I’ll complete the forms for the 401(k), number 1, today, scan it and email it to be processed.

I’ll have to call and speak with a representative for the 401(k) number 2. Not sure why this is so difficult for $230 dollars.

I’m going to schedule a time to meet with a representative from Fidelity as well.

I’ve decided that I’ll keep the Roth with Vanguard and rollover/traditional with Fidelity. Right now I’m contributing 2% to retirement (Fidelity and Vanguard accounts) it’s not much but it’s a start.

Once I can get a handle on the remaining credit card and student loans, as well as educating myself on investments, I’ll invest more. I’ll continue with this amount and gradually increase each year and at every mile stone (debt paid offs etc). The goal is to be contributing at least the 15% in the next five years.

In stupid tax (debt) news, I took a look at the budget. Looks like I’ll be adding an extra $1,000 💰 to CC10. It sickens me that I can’t add this amount to my retirement but hey. Looks like I may not have this CC paid off until early next year, if I’m only able to throw a $1,000 at it. We’ll see, I may be able to cut a few things or come into some cash.

That’s it for now

Edit
To say, I added $10.79 to the rollover, rounding down my checking account, can’t wait for the actual roll overs to hit

IRA Rollover

June 7th, 2019 at 07:59 pm

Trying to transfer my funds from one 401(k) to another is like pulling teeth.

First I couldn’t log into my accounts. Next the jerk at one of the firms didn’t send me the rollover forms, and the second one I couldn’t locate the forms on their site. 🙄🤦🏽‍♀️

I’ll tackle it Monday, it’s just so frustrating, I can roll over at least close to $3k and start contributing. My goal is to soon live off of 15% less than I make.

I logged into my BOA account (CC9) and see that I have a credit of $2.30. This is the savings from Michael’s. I wonder if I can ask them to deposit the funds into my checking account?

How Much is Too Much in the Checking Account?

June 7th, 2019 at 01:39 am

Checked my account and the bank credited me the interest charged on CC8, and I’m back to a zero balance 😃

Wow, I’m still in shock that the interest was adjusted and I’ve paid off nine credit cards 💳

I also checked other accounts, I mailed off my two month HOA payment Monday, and the check cleared already. I’m also shocked at how quickly that occurred. I still have about $174 left in my cash envy until pay day, and my checking account has just over $400.

I’m curious how much do you keep in your checking account as a buffer goes? I think Dave says we should zero base our budgets. Each pay period I allocate $10 to my checking for budget items I may have forgotten about and other surprises like the $13.20 lab 🧪 invoice I received. I’m thinking about throwing $200 at CC10

Interest Waived on CC9

June 6th, 2019 at 04:37 am

Logged in and the interest hit my account for $23.69.

I can’t remember who recommended it but thank you. I called the bank and they removed the interest. I’m so excited.