<< Back to all Blogs
Login or Create your own free blog
Layout:
Home > Archive: June, 2019
 

Archive for June, 2019

Pool, Credit Score and More

June 30th, 2019 at 11:08 pm

I’m so glad that the weather cleared up ☔️ so that I could hit the pool. The water felt great! Who says you can’t have fun while on a budget.

Our HOA is expensive, $185 a month, before I bought the place, I never went to the pool. The landlord made a comment once that the rent didn’t cover the HOA. I left like hmmm you don’t own your home so why go? I know stupid but I didn’t. I would ask the SO to go and he always said no, as well. That was another reason why didn’t go. Well I decided I’m going with or without someone. I’m paying for it now and these last few weeks I’ve been going and I’m like a kid in a candy 🍭 store anxious.

I only had one swimsuit and would have to keep washing, I found one at Walmart today for $9 and one at Target for $14. I’m good now because on average I go about 3x a week.

In other news I’ve set my goals for July
1. No dining out
2. Save and add $1,000 to EF
3. More cardio

I sold an item on Poshmark for $6 my earning was $3.05, adding to the EF.

I checked and my FICO score is now at 791. I can’t remember the last time it was this high. I know it has to do with me reducing my debt. I’ve always had a high debt to income ratio due to credit cards 💳. I’ve always paid the bill on time so I thought all was well until I realized I had no money left after each pay check.

Needless to say, as I continue to pay down debt and save more, this score will decrease and I’m okay with that. The goal is to not borrow again.

Sunday Ramblings

June 30th, 2019 at 08:13 am

Up and about today, the first stop was Walmart. Next gas station ⛽️ , Aldi and then home.

Last night I made chicken parmesan for the first time, well second and it turned out pretty good. I froze three meal prep containers of, the SO had one last night.

Today I scrambled eggs 🥚, fried some bacon 🥓 and had eggos 🥞 for breakfast, I also made enough for two days, that way I’m not tempted to buy breakfast.

Last on the to do list is washing my hair. I’m hoping the weather stays nice enough for me to go to the pool before doing so though.

Upped EF

June 29th, 2019 at 04:08 pm

Just wrote a check for $$361 and $1200 to the EF bring the balance to $3,517.94. SO paid the mortgage, so I was able to dump my funds to the EF. Mid July I’ll be able to throw $700 at the EF when the tenant pays his rent. So I’m back on track. One thing I can attest to is when you don’t have debt and an emergency hit, you can quickly rebuild your emergency fund.

Other news, meal prepping is definitely making a difference on my grocery bill. Tonight. I’ll prep, chicken parmigiana (my first time) and spaghetti 🍝. For July I’m opting for no junk food, I’ve packed on a ton of weight. I’m also doing the no dining out challenge.

Pay Day

June 28th, 2019 at 01:35 am

Today is pay day. The SO told me he’ll be handling my half of the bills this month since I’m dealing with my brother, and need to save for any additional potential legal fees, so I’ll be adding about $1200 to the EF within the next few days. I’m giving God all the glory and the praise. I was so worried about my EF and in just over a few weeks, I’ll be close to $3,500 after dishing out $5,000 for legal expenses. I’ll also be adding $750 to it mid July as well, once the tenant pays the rent.

I was thinking once I hit the $4,000 mark, I should start back paying down the CC, not as aggressive as before, since I was able to beef things back up so quickly. I know this isn’t the best option because legal fees can quickly rack up and I do not want to use a credit card, so I’ve decided to hold off. Maybe wait until I’m at about $7,000.

Honestly I just want my brother to leave me the hell alone. If I’m not able to get my legal fees back, I’m okay with it, just leave me alone. A part of me is hoping that the judge is empathetic towards me after realizing the crap he’s putting me through, and makes him pay me something extra in addition to my legal fees. I believe if he has to pay me he’ll stop, money rules him.

So pay day updates. Because I’m OCD about things, I paid the mortgage. I should have the funds today from SO. I did tell him I could foot the bill for my half of the household bills, his mother hasn’t paid him in two weeks, that’s a different story, but he’s insisting that I put the money up in case something else pops up.

Today’s pay day completed list:
$187.27 tithes not an option to skip
$990.10 mortgage, extra $25 principal
$195 CC10 minimum payment
$30 retirement
$299 savings

Retirement - Help Needed Again

June 27th, 2019 at 04:34 am

Rolled over my IRA and now I’m confused. Though I’m dealing with this legal crap, and trying to beef back up my EF account I still want to add even if it’s $30 to my retirement, I’m definitely behind on the eight ball on this, and scared. I’m no spring chicken.

Before adding the funds I reached out to Fidelity and was informed that I can contribute up to $6,000 to this account. I definitely won’t me this goal amount this year, but hoping to next year. The only issue would be, is I would not be able to roll it back over to another employer’s 401(k) account, because that would be co mingling of funds. I’m okay with this. My current employer doesn’t match and I don’t plan on contributing until CC10 is gone next year. Had to push the pay off date back until next year, given the legal stuff.

Any way, the rep told me that I’ll be getting a 5498 rollover event form from them, and a 1099 withdrawal ACT (?) transfer form from my former employer’s plan. He informed me that I’d have to file both and that essentially the two would cancel each other out. It’s an in/out.

Now my question to you all is, do I go ahead and add the $30 to the account?

Last time I jumped on things and almost made a big boo boo without checking here first.

Mother Strikes Again

June 26th, 2019 at 06:44 pm

Sold an item on Poshmark and made $9.05, this will be added to the EF.

My mother struck again today 🤦🏽‍♀️. She called me up, she has a few extra chicken breast that a friend who volunteers at a facility gets. If the friend is volunteering and there’s items leftover, she’s allowed to take the leftovers. So here’s the conversation

Me: Hello
Mom: I have two packs of chicken breast, you want one.
Me: Yes, I’ll pick up tomorrow
Mom: You’ll pick up tomorrow?
Me: Yes
Mom: Well X gave to me and not you, she gave it to me and not you.

Then something inaudible and she hangs up.

I was so upset, WTH would you offer? I decided she’s not giving it to me to be kind, but to throw in my face, that she’s “not selfish” when in reality she is. She’s not giving it out of the kindness of her heart.

It’s times like these I wish my dad was here.

Mother 🙄

June 26th, 2019 at 04:28 am

Lord I pray I don’t end up like my mother. I look at my friends, who would go to the moon 🌙 and back for their mother, and yet I have think about it.

My mother is one of the most cold hearted people I know. Not to mention she’s just as greedy as my brother. Both her and my brother think that my dad had a million dollars and I got it. She had the nerve today to call me stingy because I haven’t offered to pay her cell phone bill. Well first of all as I told her, if her son wasn’t always suing me maybe I’d have some money. Secondly my sister was paying her bill, she even bought the phone, but because she’s so evil spirited she wouldn’t use it. Well she could have had her phone paid for.

That woman I tell you, she just grieves my spirit. I’ve been praying that God softens her heart and mind, but I really don’t know how much longer I can deal with her.

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.