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Government Shutdown

January 11th, 2019 at 04:13 am

Though I’m not a government employee this shut down really has me nervous about what could come.

I’m in a number of financial groups, and other miscellaneous groups on Facebook. I have noticed that those who are effected by the shutdown, are posting that they can’t pay their bills. It’s really sad.

For me, I’ve been payed off twice and thankfully both times I’ve been able to pay my bill. This is the main reason why while on BS2 I add something to my EF, even if it’s $25 each pay day. My dad always said, even if it’s $10 you put something away each pay day and don’t touch it.

I can’t imagine working and not getting paid. But if that happens I want to be able to have some sort of cushion. I honestly think we are heading into a recession.

On a different note, I’ve knocked down CC9 to about $5,900, just waiting on a few payments to post before I update the sidebar. I want this baby gone. I’ve decided to start the 52 Week Challenge backwards and throw the money at CC9 each week.

The SO is still here 🤦🏽‍♀️🙄. For January he paid everything on time. On December 31st I had a conversation with him. I told him it looks like you don’t plan on moving. Nothing packed. I told him nothing has changed about my feelings and that I wanted him gone.

I told him that I am not going into 2019 trying to run him down for my money to pay the bills. If they’re due on the first, I want it by the 20th and no later than the 25th. I also had the same conversation two days ago. I’m not doing this crap this year. And the minute he misses he has to go. I plan on talking to him again tonight. Because I really need him to know that I’m serious. He’s a nice guy and all but I don’t give two cents that he refuses to stand up to his mother. I have a mortgage now.

Financial news, I paid the mortgage today, early. I added an extra $25. I know why? It makes me more comfortable knowing I paid extra. For me I want to pay the extra $25 every month. High balances on anything makes me nervous.

I also paid CC9 early added extra to that, and socked away funds to my sinking funds.

I got quotes from Progressive, car insurance, I can save about $100 if I switch. I’m going to review/compare my policies and coverage to make sure I’m getting the best bang for my bucks.

This week has been a good week. I haven’t dined out until yesterday. But 6 out of 7 days isn’t bad.

I’ll crunch the numbers, review the budget and see where I am today. I’ll share later.

Praise Report

November 9th, 2018 at 05:59 pm

Praise report. After paying off the three credit cards 💳 my credit score jumped by 47 points.

I got a revised closing statement and the mortgage will actually be $10 more than I’m paying for rent ($961). I’m thinking that once I close it will actually be less. Correction, this include the escrow.

Other news my idiot brother decided to sue me for the money my dad had in the bank. One I was the beneficiary; two all of it went to legal fees, burial and taxes on the property so good luck to him. Greed

Next, the idiot I have as a SO hasn’t given me one coin on the purchase of this home 🏡. Rightfully so, I guess Neva we’re not married but what get me is I tell him I had to put tires on my car, paid for with cash by the way, and I’m super excited. But he thinks a credit card 💳 was used (usually the case) and he has the nerves to say let’s rent a room to stay out of town. My response, how about you give me the money to pay a bill? 🤦🏾‍♀️🤦🏾‍♀️. Can’t wait for this to be over.

That’s it for now.

Feels Good

June 29th, 2018 at 03:27 am

This journey of getting out of debt is a slow and steady process for me but I’m happy. I have to do what works for me and keeps me motivated.

Today was payday 💰 and prior to paying anything I always take a look at my budget. I noticed that I was only paying $9 to CC5 💳. I thought nope, nope this is unacceptable.

So I change somethings around. My cellphone 📱 was actually $5 less this month, I reduced both the EF and sinking fund deposits by $10 each and also reduced my offering (not my tithes) this pay date. By doing this I was able to pay an extra $45 on the CC 💳.

Unfortunately I did find a few bills, like the electric 💡 and water, were under budgeted , so some adjustments were made. But all in all I’m stoked, as long as I can pay extra I’m good.

I think what I’m feeling so good about is, one I’m knocking these credit cards 💳 out. This year was one a quarter and I know I’m on track. Next year with the higher CCs it will be two a year. Hopefully once this house 🏡 sells I can knock them all out.

Secondly, saving for what I want and upcoming expenses. This is actually one of the best feelings. Just knowing that I’ll have the money in October to pay my car 🚗 insurance for six months is great. That will surely free up an extra $100 a month. See right now I’m paying $166 a month, (I know it’s high, I’ve already called around and this was the best deal. Even a friend who has her own agency told me this was good) I also set aside $100 a month to be able to pay this sucker at once. But once it’s paid for six months I only need to sock away the $166. Not to mention I think when you pay it for six month about $50 is knocked off.

For the first time ever, I’m saving for Christmas 🎄. No more stress. I can actually host my holiday game night without stress and I love it.

Another first timer, medical. Saving for medical expenses was never an option or thought. But I’ve saved up for my eye exam, and if I keep this up I’ll have the money for my dental cleaning.

It just feels so good.

$500 a month for a car

June 1st, 2018 at 04:48 pm

$500 a month for a car, is this the new normal?

[url]https://www.cnbc.com/2018/05/31/a-523-monthly-payment-is-the-new-standard-for-car-buyers.html [url]

Thank God I'm socking away for a car. I'd rather buy a car for $5k - 10k cash

Budget, Car All Equals Money

March 28th, 2018 at 05:15 pm

I'm m trying to figure out how to get this Target credit card 💳 paid off by mid April. I've revamped the budget a 100x but I can only pay half the amount owed, about $350.

I'm so annoyed because, yesterday my car broke down, flat tire and this is the second nail I've picked up in the last week. I work over a hour away, I had to wait for the SO to come help me, and didn't get home until after 7pm. So today I ordered AAA, cost $100. I'm glad I had the money but annoyed that I had to use it. At least with this service I get a 100 miles of towing, and given that I work about 30 miles away, this is good. Not to mention, my car is 16 years old with over 220k miles.

Now that I think about it, I have to take a look at the budget again, to account for this $100 loss

I'd loved to have one month that Murphy doesn't visit

What a Day

March 21st, 2018 at 04:55 pm

What a day!

Today I was to be off and run a few errands, well I didn't get home until after two.

First stop, doctor's office. The wait there is always annoying but thank God I only come once a year. I was also happy, because the $65 budgeted for this visit, I didn't have to pay, I'm thinking snowball.

Next I went to have my lab work done. I'd schedule an appointment at a different facility but with the same company. Since there's one near my doctor's 👩🏾‍⚕️ office, I head over, only to find out there's no where for me to sit, the place is packed. I stop at another lab 🔬, that one is more packed than the other. I tried the third one, I had difficulties finding it and that was more crowded than the previous two, smh. So I head to the location that I actually have the appointment. I was trying to get in earlier because I was Fasting and starving.

Since the location that I have the appointment at is near a tire place, I drop my car off to have my tire looked at. Every other day I'm adding air. I found out that I had a nail. I knew it would be some what of a wait so I head over to lab. Get there, and they can't locate the doctor's order. I give the intake specialist my prescription 💊and she's still having a problem. Smh. Finally she finds the order. I get my blood work done before my appointment and I'm happy 😊.

Head over to Ross to kill time. While there I felt uncomfortable. Though I have money set aside for fun, Ross is the last place I want to speak my money. I look down and notice that the tire company called.

I walk back to the tire place, my car is fixed and it's $21. Yay for me because I'm thinking I can add the difference that wasn't paid at the doctor's office to my CC.

Get outside and the car 🚗 won't start. I mean nothing. The mechanic 👨🏾‍🔧comes and does something, then tells me it's my starter. Cost $336. I'm not happy but glad I have the cash to be able to pay to have the repairs.

So while they're working on the car 🚗 I walk to Walmart. I found the book lamp that I was looking for. Went there last night and the clerk told me they didn't have them. I did look in the area of the books but missed it last night. I'm glad I found it though. I've cut out tv 📺 and am reading a lot more. With every financial book 📚 I learn something and that I'm thankful for.

After all that I am now I'm home 🏡 thankful

Car Repairs 🚗

March 3rd, 2018 at 01:47 pm

Took my car in for service and was annoyed because they had it for over 6 hours and no one called me.

Not to mention they provided a service that I did not agree too, but knew I needed. Long story short the bill went from $509 to $317 (including tax) and I was able to cash flow the services.

God blesses those who are good stewards

Car Repairs 🚗

March 3rd, 2018 at 01:18 pm

Took my car in for service and was annoyed because they had it for over 6 hours and no one called me.

Not to mention they provided a service that I did not agree too, but knew I needed. Long story short the bill went from $509 to $317 (including tax) and I was able to cash flow the services.

God blesses those who are good stewards

Not Every Discount is Worth It

March 3rd, 2018 at 06:26 am

Thank God for a sinking fund. Took my Camry in for a tire rotation, balance alignment and repair of the right tire rod. The car 🚗 is paid off with 222,356 miles.

I met a mechanic at the shop the last time I was there, who told me he did side work. But when I called him he wanted me to come in on a day that was slow, and his bosses weren't in. I'm thinking, I thought 💭 you did this at your home? Though I contemplated taking my car to him to save money 💰, I knew it was wrong. This is stealing, and God has been too good to me, so I took my car in for service and am prepared to pay what it costs in cash 💵

Hopefully the service isn't more than $400, because that's what I have in my sinking fund. I'm just waiting for a call back with the estimate.

Next, I was approved for the loan of $112k, closing must occur no later than June. I can't wait to sell the house and pay off my debt. I'm so thankful because, after paying off the debt, I'll still have money 💰 (20%) for the down payment. As well as a pretty decent EF. I can then get rid of the SO, my mortgage is estimated at about $350 less than rent. I'm going to cut the cable off, and start saving and living like no one else 😊.

This next pay period CC4 should be gone and then it's onto CC5. I'm so glad I started this debt pay off, that way I'm not using all my money from the sale to pay off debt. Feels good to finally see some progress.

On a different note, this month's book 📚 is "Stop Living Paycheck to Paycheck" and I absolutely hate it! I'm almost done, I hate starting things and not finishing. The author encourages use of credit card and a line of credit, absurd. If I'm living check to check, that means one have not nipped their behavior in the bus and you're recommending credit card 💳 use, ridiculous.

Car Accident, Again

March 2nd, 2018 at 03:14 am

On my way home today, feeling pretty good and I'm stopped due to traffic on the freeway. Well next thing I know is I hear boom! Some guy hit my car 🚗

Thank God I was not hurt or my car damaged, I just fixed this stupid bumper. 🤦🏾‍♀️🙄. They guy jumps out yelling all is well, well I needed to see for myself. I got his tag, photo of his ID and his number. Tomorrow I'm taking the car to the shop to have the bumper checked.

These last few months have been nothing but a headache.

Only thing that seem to perk me up, was looking at my March 15th budget. Looks like, I've freed up a enough cash to pay about $300 on CC4, wow! So excited. I might be able to do $400, depending on how my raise and change in deductions impact my pay. But even with $300, I'd knock it down close to $400 and by April it would be paid off. Good thing about all of this is that, I'm less stress and would have met and went beyond my first goal of paying off at least on CC.

Hard work pays off

No New Watch for Me

February 17th, 2018 at 05:40 am

I'm at work and my coworker is talking about how he just bought this watch (making payments mind you) and how this watch can do everything, you can even have the face, for a price, changed into a brand name item, like Gucci or Louis Vuitton.

Normally, I'd be all over it looking and saying that's nice, even considering buying one but this time I thought how stupid and a waste of money. He even talked about how he had bought a new phone. It took everything in me not to say anything.

Later he brought up the watch again, when it was just he and I, I told him what a waste, you just wasted a part of your retirement and some of your kids college tuition.

The next day, he's talking about this watch trying to justify his purchase, he goes on to explain that men have to have things that make them feel good. I told him, he owes me no explanation and that he can do whatever he liked with his money. I said to him, when you look at how you spend your money, you see what's important to you, and that having nice things, brand names etc are important to him. However being debt free and retiring early are important to me. Neither is better than the other, it's just ones perspective. I apologize and went back to work.

My goal is to pay off two more CCs 💳 and start my 401(k) contributions back up at 8%.

I'm struggling right now because, as soon as I bump my sinking fund, something happens, car repair, tooth and it's back down. I know that I should be using the EF but I just don't want to. I feel good about paying cash for things.

I'll be finishing up my taxes today. I'm looking at about a $1300 refund, I really wanted to throw it all at CC4 but, car insurance is due and my sinking fund is low, so I have to use a part of that money for the car insurance. Plus, I have to fix my tire rod(?) that's another $200 maybe. So all in all I'm looking at maybe just over $700 on CC4. This sucks.

However, I can keep budgeting each month my car insurance, pay $1000 on CC4 knocking it down to about $850 and keep $300 for the tire rod. If I take this route, rather than starting the process of paying the car insurance every six month in April, I'll start in October. I think this option gives me the most satisfaction because I've knocked this CC down, and that's where my motivation comes from, seeing that debt going goodbye.


Oil Change Savings

December 2nd, 2017 at 05:34 am

Budgeted $65 for an oil change, had a coupon for 3k miles for $19, total with disposable fee is $24.03. I figured even if I got an oil change in another 3k miles it's still cheaper than what I would have paid for the 5k mike oil change.

$41 is left over and I know I should be adding all to CC3 but I'm dividing it up three ways, 10% to the EF, the next 10% to the sinking fund and the rest on CC3

Here is the break down
$4.10 EF
$3.69 sinking fund
$33.21 CC3

New balance on CC3 is $960.05. 😊

I know I know but I keep hearing my dad say, "Amber, what ever money you get, put a little up, even if it's ten dollars. Once you see it get to a certain point you're not even going to want to touch it." He did something right, retired early, rental property etc.

Update to this post, ugh.
Just was told that there are a number of things wrong with my car 🚗 . I need to replace the timing belt, gasket, mounts, and some miscellaneous stuff. Total estimate is $1,020.73, over my EF 😡. This I'm sure is accurate I haven't replaced any of the things mentioned before.

I had to take $25 out of another envelope because the place where I got the oil change did not have change. I guess everyone uses credit cards 💳 . Well I went to Walmart to get change for a $100 and was told by the cashier that she could not open her till. I purchased a pack of gum, then returned it so I could get the change and boy was she mad. Oh well no need to spend money on an item I don't need.

I'm putting off the car repair until January. Only reason is that I'm due a two percent raise that will be retro'd back to July, the end of this month, and I should see a couple of hundred dollars. Murphy sucks but hey. Just glad that I will be able to cash flow the repairs vs using a credit card. I've got to look for coupons on the repairs and maybe get an estimate elsewhere. As I'm typing this Jack the mechanic at the shop hands me his card and says he does side jobs if I'm interested. That made me feel a little better but I don't know.

Oh and the $30 spent on the game that the SO was to give me his $15, well he's not going because he's working today and I never got my $15. Lesson learned, get your money up front.