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Birthday Blues

January 16th, 2020 at 11:13 pm

Well it’s been a pretty good week. Tomorrow I turn 46, wow.

I feel somewhat down because I feel like I haven’t gotten myself together financially; however, I’ve made some progress.

Rather than focusing on the negative, I’ll focus on the positive.

Today, I paid an extra $453.78 on CC10 knocking the balance down to $5,500. Tomorrow’s billing cycle ends, so I’ll be hit with interest 🙄🤦🏽‍♀️. I did look at transferring the balance to a zero interest card but the fees to transfer wasn’t worth it. I’ll have the card paid off in a about four to five months.

I also added $50 to the EF, $50 to the IRA account.

This month I have not eaten out, 16 days. Wow. I almost gave in yesterday, it was the sorority’s Founders’ Day and I really wanted to hang out with my girls but paying the credit card 💳 debt was the best decision. I’ve saved a ton by not eating out.

Tomorrow I’ll head to Sweet Tomatoes for my free birthday dinner.

Lastly, I decided to get the quote on the hurricane shutters before the season rolls around. It’s so difficult for me to find some one to come and put the plywood up. I wish I could find a decent handyman. I’ll apply for the city grant for reimbursement

Posted in Emergency Fund, Debt, Goals | 10 Comments »

10 Responses to “Birthday Blues ”

  1. terri77 Says:
    January 16th, 2020 at 11:38 pm 1579217907
    1579217907

    Happy Birthday!!! 🎉🎁🎊🎂🎈 🥳

  2. LifeBalance Says:
    January 16th, 2020 at 11:39 pm 1579217963
    1579217963

    I'm glad you're focusing on the positive! Of course we could have all done better. I wish I'd wised up about money management before I turned 30, but at least we did 'get it' at some point. You're doing great. I'm sure your dad would be proud.

    I'm going to try to paste in a link for good 0% interest CC offers. I'm planning to look at them myself, especially the ones that have no transfer fee and no annual fee. Link: https://www.mymoneyblog.com/best-no-fee-0-balance-transfer-credit-cards.html

  3. Wink Says:
    January 17th, 2020 at 12:13 am 1579219988
    1579219988

    Happy Birthday Amber!

  4. mumof2 Says:
    January 17th, 2020 at 01:36 am 1579224968
    1579224968

    Happy birthday....I am 50 this month and still getting myself together...we have had a lot of llness so i can understand it..things we couldn't control but we are getting there..we are now debt free and starting to save....don't worry you are getting there one month at a time and look at all the progress in the last year and how much you will make this year...you got this stay positive..its not a race...you will get there

  5. creditcardfree Says:
    January 17th, 2020 at 01:58 am 1579226299
    1579226299

    Happy Birthday!! Congrats on more debt payoff and keeping yourself from eating out, which definitely saves lots of money.

  6. Sue Says:
    January 17th, 2020 at 02:00 am 1579226402
    1579226402

    You're doing great Amber. Keep doing what you're doing. Happy birthday to you!

  7. Carol Says:
    January 17th, 2020 at 02:24 am 1579227896
    1579227896

    Happy Birthday!! You are doing so great; keep at it. Enjoy your dinner tomorrow! 😊👑🎂🎁🎂🎈🎉🎉

  8. Lucky Robin Says:
    January 17th, 2020 at 03:22 am 1579231359
    1579231359

    Happy Birthday, Amber. You have taken a lot of steps towards getting yourself together in the last year. It is amazing how much money we save when we don't eat out, isn't it? Cooking at home is so much cheaper and the food tastes a lot better, too.

  9. Bluebird Says:
    January 17th, 2020 at 03:41 am 1579232512
    1579232512

    Happy Birthday Amber!!!

  10. CB in the City Says:
    January 17th, 2020 at 02:13 pm 1579270417
    1579270417

    Happy Birthday!

    Sweet Tomatoes closed in my area -- so sad!

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