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Archive for May, 2020

Refinancing the House

May 31st, 2020 at 06:39 pm


‪The broker that helped with me purchasing my home called to tell me the rates have dropped to 2.85% that’s 3% points less than I’m paying. I’ll be refinancing my home. ‬my mortgage should drop by $300, I’ll take the savings and throw it at the student loans.

Before I do anything, I’ll have my realtor/accountant friend review. He is the one who told me to let them know I was not interested in the appraisal since I live in the home, I did so and it was agreed I won’t have to have it done. Saving of about $600.

He mentioned some other fees I should be able to have waived.

I’m excited about getting my life together. No credit card debt and now working on the student loans is my feel good moment.

I’ve been in the dumps, actually an emotional wreck since the killing of George Floyd, I know what it’s like to be black in America. I have an app on my phone in that if I get stopped by law enforcement it automatically starts recording when I open it. It’s scary but necessary. I’ve had this app for years.

I’m praying for all involved and leadership

Paid off CC10

May 31st, 2020 at 12:58 am


My organization has opened back up, and today I paid off my final credit card.

I’m so happy that this card is gone, you have no idea.
Yes my savings is lower, but I’m okay with that. I’ll be able to add $300 to it on Friday and another $800 by the end of June.

It was scary but I went ahead and hit the send button. Now I’ll continue to save, student loan repayments begin in October and that will be my focus.

I’m excited because I met the goal of paying this card off by June

Mother’s Day Check In

May 11th, 2020 at 02:21 am



Happy Mother’s Day to my SA family 🌸
Hope you all had a fabulous day.

Financial update
Today I paid extra on the credit card 💳, not much but every little bit helps.

I can’t wait to get back to some normalcy so that I can tackle this card aggressively, I’m praying that I can get this paid off by the summer, and then it’s the student loans. But I’ll continue to save until things seem to be a little normal.

Went to Walmart early this morning, the line was wrapped around the building. I’m glad I went because they finally had a limited stock of toilet paper 🧻. I bought two, one for me and the other for my mom. Literally the last time I saw TP was February. When I make my next trip, if they have it, I’ll buy some because you never know and hurricane 🌪 season is approaching.

Tijuana Flats had a free entree for Mother’s Day 🌸 so I took advantage of that for dinner, honestly, I shouldn’t complain but the food, was extremely salty 🧂.

I’m trying to support the local restaurants, during these times, but the food has been terrible. My nephew works at one and they’re relying heavily on some service and tips so I’m trying to do my part but the last three places I visited it’s been awful.

That’s it in a nutshell for me

Dinner and Debt

May 6th, 2020 at 03:57 am


I have no idea why I never divvied up my meat after purchasing.

I have cooked dinner pretty much all week, and nothing has gone to waste. I portioned everything and I’m loving it.

This week I’ve had pulled pork, chops and spaghetti. In the past, because it’s just me, at least 1/4 to half would have been wasted.

I even froze bell peppers and onions 🧅 now if I can figure out how to preserve lettuce 🥬

Tomorrow is pay day from the side gig. I’m excited because I’ll be adding funds to the CC as well as the EF. The goal is to save aggressively vs the paying down the CC debt until this pandemic situation is under control.

I hadn’t noticed until today, that I’ve got the card 💳 down to $4146, by tomorrow it will be below $4000, wow. I’m so excited about this. I’m sure as I see the balance decrease I’ll want to throw more at it, lol because I’m feeling that way now. Darn coronavirus

Friday Update

May 2nd, 2020 at 01:06 am


Went to the grocery store today, I really wanted to stick to the list, but I ended up picking up a few extra things. The good thing is, I won’t have to go out for a few weeks.

Since this whole thing is going on regarding the food supply, I picked up some ground beef 🥩, pork loin and chops. I did something I never do, and that’s rationing the meat. I decided to divvy up the meat, so that I could what I eat and nothing goes to waste. For example; I can cook one chop at a time vs the whole pack.

I live alone and I find that when I cook an entire pack of meat most of it is thrown out. Coupled with meal planning, I’m hoping this helps.

I’m in a ton of Facebook groups regarding saving money and paying down debt. This month it’s drink water only, for every day I have water only, I’ll add $1 to my challenge envelope ✉️. For the days I don’t, it’s $2. I’m also participating in keep change challenge, where you round up the change and save it. I like this since I’m not using cash due to COVID.

Lastly, I paid an extra $250 on the CC. Again it’s not the extra amount that I would normally pay, I’m in storm mode saving because I have no clue what will happen with COVID