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$3 for Survey

December 21st, 2007 at 05:41 pm

Got my second check from Pinecone Smile and added it to my visa payment. The goal is the have this card paid off by January 31st. No way am I going back into debt

I also ate out today Frown $8.50 so I added this amount to my challenge, new total $7035.51

Remember that $5 payment on the my auto loan and the girl was laughing, well the check cleared the bank and it is not posted to my account....arrrrrrrgh

You know I will be contacting them first thing in the morning


December 18th, 2007 at 12:26 pm

I went into BoA because I had an extra $5 to pay on my car and the girl had a nice little laugh. So I said to her if I paid $5 extra a day that will equal $25 which is $100 a month and $1200 for the year. Then I took my receipt and left

Sold my car

October 9th, 2007 at 08:14 pm

Yep the car sold today for $300. I wish I could have added this amount to my challenge but I had t pay for the new car (payment)and car insurance

Good news

October 6th, 2007 at 09:16 pm

The girl who called last week about my car called today to say she has all the money and wanted to know if I could pick it up today, but I was on my way to work. So I will pick it up from her on Tuesday, so basically my car sold

Busy little bee

October 5th, 2007 at 07:50 pm

I have been so busy that I have not had time to thnink. Taking 3 classes, working both full and partime has had its toll. I have managed to spend a ton of money dining out because I am too lazy. I have however upped my CC balance (dentist and tuition) but on a good note I added to my challenge bring my total to $4662.99
I had a couple of offers on the car everyone wants it but has not bought it
Frown If it is not sold by Friday next week I am calling a junk yard to come and get it atleast I will get a little something

car for sale

September 23rd, 2007 at 08:21 pm

I just posted my car on craiglist, I hope some one takes me up on it I can use the cash. It's an really old car but very clean, they'll need back breaks and an alternator but I will be happy with $200 we'll see. If not I will call a junk yard to pick it up

Wow, it has been awhile

September 18th, 2007 at 07:53 pm

What I have learned is that if I am not blogging or reading other blogs about finanaces, I fall back into my old ways and that is wasting money. I have been busy with school (3 classes this semester) and have not had time to catch up on my blogging or finances. I have done a ton of shopping Frown so I guess I have fallen off the wagon. It is time to get back on track and make some serious changes.
I paid bills today and made some deposits to my challenge and IRA but my cc debt has risen to about $900 (I will update the total later) but atleast $700 of that is for school
Anyhow, I just wanted to give every one heads up and let you know I am still alive
Added $53 to the challenge
$205 on cc
$143 towards car (saving a little extra towards extra payments)
$30 EF
$10 misc account
$50 for IRA
$44 on water bill
$64 for Cable
$15 for meds
$20 tithes
$35 dentist (had some swelling)
I am still waiting on a check/deposit from Amazon for a book sold which will go towards my cc/school transactions
and I got an extra $5 to for a survey so I am adding this to the challenge as well


August 22nd, 2007 at 07:22 pm

Well I went on a shopping spree and bought 1 shirt and a pair of pants, grand total $164 Frown Of course everything is going back. I don't know what I was thinking, since my old car that I drive around in needs an alternator and back breaks. My mos says I she get ri of it but I like the fact that I can drive this car around and put all the miles on it. But we will see

I also had $31 left over in my bill account, tomorrow is payday from the parttime job, so I put $25 in my challenge home account and $6 in the car fund

BoA what a headache

August 11th, 2007 at 02:19 pm

I finally found someone at BoA who knew what he was talking about. No payments made electronically even with the BoA account will be applied to the principal. I either have to go into the branch, make a payment by phone or mail it in Frown So now I have to close my checking account that I opened with them. What a pain

BoA strikes again

August 9th, 2007 at 05:57 pm

I don't know if you guys remebered bt I ws told by BoA if I had a checking account with them and paid my bills on line then I can not to make all payments to the principal, well guess what, that is not the case. The following is from their bill pay service:
Bill Pay Help close window
Payment Memo Cannot be Sent
Payment memos cannot be sent to payees that accept electronic payments.
What a joke, now I am closing this account this is crazy

$20 challenge

August 9th, 2007 at 05:53 pm

I had abot $50 left in my personal account since my last payday, which is a huge accomplishment for me. So I added $25 to the challenge and $25 to my car account

New total for the challenge $3889.40 Smile
In regards to my car I will wait until I get a statement and send a check for the principal it seems like when ever I pay online BoA has a problem with applying it to my principal in the mean time I willearn interest

The Fight continues

August 8th, 2007 at 03:03 pm

OK I have about had it with BoA. I was told as long as I write "principal" for any extra payments towards my car it would be applied, well guess what? it wasn't. Now I am PO'd I will be on the phone with them as soon as I get home...this BS

Back on track

August 5th, 2007 at 04:11 pm

Now that I am blogging and reading more blogs, I am back to my old self...try to save as much as possible. I added my weekly deposit of $25 to my challenge home account bringing my new total to $3874.61. I was trying to save a $1000 a month but now that I have a new car that is out of the question but either way I am back on track. Seems like if I don't read what everyone else is doing or blog I loose focus. Actually I am depositing only half because $12.50 should go on the principal for my car, in that case my new total is $3862.11

My fight with the bank

August 5th, 2007 at 06:59 am

Ok as you all know I am nickeling and diming my car payment (by paying extra) any how I do this through my electric orange account (checking) I opened this account so that I can pay my car payment and any extra online. So to make a long story short I have been paying on line now for a while.I check the balance on my car account to compare the numbers and nothing has change the bank (lovely BoA) applied it to the interest (?) I was so mad because the rep I spoke to over the phone informed me any extra payments are applied to the principal, well she was wrong. It took me almost an hour at the branch to straighten it out (and he had to call some place else because he could not fix it at the branch). I can't pay online and have it applied to the principal because I do not have a checking account with them but I have a $5k CD which has been there now for about 3 years and a joint checking with my mom with about $10K (mom's money not mine but my name is on the account) I guess that really deosn't matter since they have $15k of our money in which they use to invest to make money and yet can't won't allow me to pay online and have all extra funds applied to the principal
So my options are to open a checking account in which there is a minimum balance unless I have direct deposit (why would I when ING pays more)or there will be a fee or go into the branch make payments or mail it in (cost .41 cents vs free online ) So I beat them at there own game (not really) I was on line and read if you open a CC you get free checking, no minimum payment no direct deposit required plus I get 0% interest until 2008. So I opened the account and will link my ING account with the bank's and transfer funds that way and then make my principal payments

sorry just needed to vent

saved $15

August 4th, 2007 at 09:32 pm

Saved $15 today plus the item I bought was tax free (tennis shoes) I was looking for some new tennis shoes and Penney's had them on sale and since it is tax free week I decided go for it
I am adding the $15 to the challenge, $7.50 towards my new home and $7.50 my car. My mom was laughing because I send $5 here and $10 there on my ca but it adds up and I figure the more I pay it down the better

New total for challenge home $3848.82

$20 challenge

August 2nd, 2007 at 02:15 pm

I added $25 today for not going to the hair salon to my challenge; new balance $3840.81. I also paid an extra $10 on the car loan so now I am down to $17,260.97. Some times it seems like I am not making progress but I know from experience $10 here $5 dollars there will add up quickly

Good news

July 30th, 2007 at 03:15 pm

I have good news all around, my nephew came home today. He said he was doing much better and wanted to start work on Monday, I told my sister to go ahead and let him (try not to baby him) so I am happy; he's also not hearing the voices which is great

My brother paid me the $500 + an extra $30 so I was happy with that.

I added $100 to my challenge/home account $50.00 to my car account (for payments) and $20.00 to the principal on my auto loan and paid on my misc stuff like the cc in which I had dental work done

So today was a great day

Car loan

July 27th, 2007 at 06:25 pm

Well I paid $10 on my car, I think every extra funds I get I will split it between the challenge and my car loan. The goals is to pay off the car ASAP. I don't care if it is a $1, if it is extra $.50 will go towards my challenge and $.50 towards the car's principal. The sooner I pay it off the better