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Numbers Looking Pretty Good

October 19th, 2019 at 09:49 am

Balanced my cash envelopes, and I did pretty good. I came in under budget for the most part

Category Budgeted Left
Groceries $80 $30
Auto $80 $50
Personal $130 $0
Fun $30 $30
Household $30 $27

As previously reported in another post, things are looking great. The electric bill was reduced by almost $60, the water bill came in at $45.68, this is the same as last month but down by $20 over all.

I’m going to cancel Netflix, I realize I don’t use it and that’s $14 I can throw at debt.

Savings is up, I’m about $1200 away from meeting my short term EF goal of 3 months worth of expenses saved. I can’t wait to hit the six month mark, then I’ll feel comfortable and can start throwing even more at debt.

Lastly, I received a notice that my taxes for the town in that I live in, has dropped

I’m Over CC9

March 24th, 2019 at 05:49 pm

Credit card 9 💳 is really getting on my nerves. I want this sucker paid off. I’m contemplating taking the money saved for any home repairs and adding it to it. I have an EF so if anything happens I can use that. One minute I’m stoked about doing it, the next I’m nervous as hell. 😬

I finally completed my taxes, and hit the submit button. I’m looking at about $633 return. This will be adding to the CC.

The budget meeting with the SO didn’t happen, I was a little disappointed but hey that’s on him. I’m still trucking along on my financial peace journey without him. Something drastic has to happen for him to change. I told him we will continue to live as roommates, splitting everything.

After reviewing and crunching numbers, it looks like I should have both CCs paid off by early September (CC9 should be gone by end of April early May) and from that point on it’s the infamous student loans 👩🏾‍🎓. I’m really hoping to pick up a second job by then.

Lastly, though I follow Dave Ramsey, I never read his book, “The Total Money Makeover.” 📖. I have listened via audio 🔊, but you know how that goes, your cleaning 🧹, doing other things so you’re more likely to miss something. I’m excited to dive in. Last month I finished, Rachel Cruze’s, “Love Your Life, Not Theirs.”
I’m also read a book by Zig Ziegler, that I checked out online at my local library. What’s great about this is, in the middle of the night 🌙 when I can’t sleep 💤, I can read.

Extra on CC9

February 14th, 2019 at 06:09 pm

Just paid an extra $164 on CC9 and it feels great. This month I’m slated to have added an $800 extra to that card. Balance is now $4,824.67 with the payment made today. I’m really hoping to get below the $4,000 mark by the end of the month.

I’ll be completing my taxes this weekend, if I get anything I’ll add it to the snowball. At the rate I’m going I should be able to knock CC9 out by end of May. It’s not with in the first quarter buy hey five months paying off 6k isn’t bad.

Pay Day Shenanigans

February 9th, 2019 at 03:42 am

Pay day and everything is paid. I love online banking, and the fact that I’m in a positioning that I can pay my bills early plus extra. The SO will provide his share on the 20th, I like paying things early. With the money I get from him, I throw it at my debt. It’s like a second job in that I’m not working. He seems to be on track, but again I’m not going to get my hopes up. Bad habits takes months to break and we are only about three months in.

Yesterday I paid an extra $25 on my mortgage, and extra $93 on CC9, I socked away about $300 all for sinking funds (e.g HOA, car insurance) and I have about $70 left this will be my fun money. Depending on how many no spend days between now and the next pay day, I’m sure I’ll be throwing this at CC9.

I’ve started back using the envelopes. Though I under spent last month, I can’t help but feel that the amount I’d under spent by would have been far greater had I used the cash vs. debit card 💳.

I’m also happy that I decided to have a sinking fund for any household repairs. I’ve been living in this home before purchasing for about 7 seven years and there hasn’t been any major repairs but as Dave says, Murphy is sure to show up so you need to be prepared. My privacy fence looks okay but it’s getting there so I want to be ready if need be. I’m also saving for hurricane shutters, this will reduce my insurance. I just like having the $500 in the repair fund just in case, it’s silly but it’s a natural Hugh watching this pot grow. Each pay period I’m adding to it.

Also my car 🚗 is making a strange noise, guess what I have money set aside for that. I feel so good about this. The last few car repairs I’ve been able to cash flow. By saving for upcoming repairs it definitely takes the stress out of things. I never use to do this, I’d just put it on the credit card. Only thing that bothers me is that as soon as I have a cushion of about $500, boom 💥 the car 🚗 needs to head to the shop. But it beats $300-$500 a month car payment.

My car 🚗 is a 2002 Camry with about 244,000 miles. I know sooner than later she’s going to head onto car heaven, and that’s why I haven’t touched the EF to pay off CC9. I’ve been pricing older model Camry and they’re anywhere between $6k and $8k. Goal is to pay cash. I’m done with car payments.

Last thing, I’ve practically cut out the salon 💇🏾‍♀️. Primary reasons, one it’s expensive, $45 a week. Secondly, I’ve asked her not to use a certain product because it’s drying out my hair and she continues. My hair has gotten so dry, and brittle, it’s awful. I’ve decided that I’ll go when there is a special occasion and when I need a hair cut.

Knocking CC9 Down

January 29th, 2019 at 02:25 am

$5156.20 is the balance as if today on CC9, before the new interest hits. I’m feeling really good. I’m trying to figure out how I can knock this down to $5000 before the new bill.

I was able to pay a total of $1074.69. If I can keep this up, for next four months, I’ll be done with this card by April. The goal was March but hey.

Feeling really good and accomplished.

Significant Other Update

January 26th, 2019 at 08:55 am

As you all know the significant other is still here. I can’t believe it and I want to fall out of my chair but he’s provided all his bill money in advance. Twice (January and February).

I don’t know if me asking him to leave did it but I’m just shocked. Really shocked.

I pay my bills as soon as I get them, first week of the previous month, so by time he gives me his portion, week before due date, everything is already paid. I’m okay with this so long as I get the money before the actual due date.

He’s a super nice guy, just terrible with money, well his momma. I’m still going to monitor this. Not going to get too excited because things can easily go left. His mother can always not pay him, that she is known for doing. But it looks like he’s finally taking over the business. Either way as I shared with him, “he was suppose to be gone in December, you weaseled your way to stay, I’m not doing this crap in 2019, first missed or late payment you have to go the same day, I’m not doing this. My dad did not gift me a house in his death to lose it behind some guy.” He knows I worship the ground my dad walked on, and I’d do nothing to disappoint him.

So with the extra cash $500+ I’m adding it to the credit card 💳. This should knock my balance down to a little less than $5000. If I can meet my same goal next month, I’ll be down to $4k, yay.

Knocking CC9 Down

January 25th, 2019 at 04:11 am

I’ve been on a roll kicking butt this month. Dining out less(not at all), no spend days, saving and paying down CC9. I think by the end of the month, I will have paid close to a $1,000 on CC9. Right now I’ve paid close to $800, yay! My goal is to have this credit card paid off by the end of the first quarter.

I figured, between now and March, I know I can do $1,000 and anything extra, I’ll add. Fingers crossed.

Lol, can’t believe I get excited about paying off debt.

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.

Happy New Year

January 1st, 2019 at 07:39 pm

Happy New Year everyone!

Going into the new year with a bang, just paid $502 to CC9 😀. Goal is to have this sucker paid off by the start of the second quarter.

I took a look at my year end and realized I paid 50% of my CC debt in 2018. That’s really motivated me.

Tough Love From My Saving Advice Followers

December 14th, 2018 at 02:43 pm

I hate the tough love that you all give me but hey, you’re more financially stable than me so what do I know.

Right now I have about $8,000 in my savings. It’s not on the sidebar. I’m truly OCD about having money saved just in case. It’s money I just don’t touch or look st. I actually had the funds in a bank account at least a hour away. Today I closed the account and deposited the money into my account that is close by.

Why? Well to pay off CC9. But I’m nervous as hell. I don’t know if I can do it. I know I should but I’m absolutely freaking out. I just ay this CC off my left with about $2k to my name.

I’ve been let go twice and both times I was able to manage with my savings. I am absolutely afraid. Especially now that I have a mortgage

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.

CC5 Is Officially Gone!

July 27th, 2018 at 06:04 pm

Wow I did it!

This credit card 💳 was driving me crazy, I paid it off. CC5 is officially gone! It feels so good to know that I’ve paid this card off. It makes up for the dental payment.

What’s so funny was, I stopped by my mom after paying off the CC to check my mail. There’s an offer from Macy’s. upping my CC balance, thanks but no thanks. Just two years ago, they reduced it. My debt to income was too high. But now that I’m paying things off, they’re increasing it. I’ll pass.

Thanks for tips everyone, I am going to reach out to my dentist to find out if there is a discount. He typically discounts things for me so I’ll see.

Someone asked in a previous post if the SO could help, the answer is no. He never has any money for anything. Can’t wait to get him out.

We got another court date for September 11th regarding the house, thank God.