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Miscellaneous Stuff

July 28th, 2019 at 03:30 am

Yesterday I really needed to get moving and work on the next budget period, but I was so enjoying the quiet time and I was just exhausted from the workweek.

Things I need to do/done

✔️ Update the budget for next pay period
✔️ Update/fill my cash envelopes
✔️ Balance CC10
✔️ Update student loan accounts
✔️ Change direct deposits to include the pay increase.
Update my planner for August

Checked my net worth and found that it increased by .01% that’s $1953.94 🙄🤦🏽‍♀️. It’s progress, just wish that it was more. I know I’ll get there once I’m able to tackle the student loan debt.

I made adjustments so that I am saving more of my pay increases. Typically I’d spend this money by increasing my way of living that include shopping and dining, but not this time. I split the increase among retirement, saving and debt. These three things are my priority.

Today I’m going to wash 🧼 my car 🚗 she’s filthy. I’ve asked the SO for quite some time and he just hasn’t, so I’m going out before it gets too hot to do it.

Slow Mortgage Payment

July 27th, 2019 at 02:56 am

Though the mortgage is not a priority right now, I can’t help but feel defeated.

Since closing, I’ve paid extra, not much, but I wanted to get into the habit of doing so. Any way today while checking balances, I noticed that, finally the principal has been knocked down by a $1,000 lol.

Now I know why it takes forever for some to pay off a home. I mean, I know that the first few years you’re paying primarily the interest, it just me, when viewing my statement, that if I continue like this, I’ll be paying a mortgage into my late 70s.

Goal is to have this baby paid off in at least 10 years. Right now I’m rebuilding my savings, EF, once that’s done I can start back tackling the credit card again and the student loans. I really do believe, I can have everything gone in 10 years

Long Rant

July 12th, 2019 at 04:29 am

I’m on this trip with SO, two of his kids, two grand kids and his mom, it’s their family reunion.

I swear his mom gets on my last nerves. She never use to but I see how she manipulates him and it disgusts me.

First, he’s worked hard to ensure that she makes it to this trip. He’s foot the bill for everyone. We get to the hotel, she walks in her room that she’s sharing with her grand kids and she says, “this isn’t going to work.” I personally don’t know what the hell she’s talking about but says, well it has to work because this is the room they gave you and walk off.

I later find out that she wants him to go purchase a cot/blow up mattress 🛏 because she wants a bed to herself. The room is doubled. I told him tell her no. The last three trips we’ve been on she’s shared a bed with them. The only difference is, his sister who is normally in the room, passed away. I personally think she doesn’t like his other daughter. Why I don’t know.

Then we go to Walmart, she refuses to get onto one of those ride along carts. If she was my mother I’d tell her either she gets on the cart or stay in the car 🚗. Well what should have been a ten minute trip turned into almost a hour. Every two feet she has to stop. She’s tired 🤦🏽‍♀️🙄. Then she’s playing with his grand baby, because she’s out of breath. Next she’s looking at this and that because she’s out of breath, a part of me wants her to pass out 🤦🏽‍♀️🙄. Her and the kids pick up a $100 worth of foolishness, he then gets upset because the kid who had the baby galavants all over the store and don’t pick up what she needs for the baby. 16 year old with a kid. I’m pissed 😤 because she has this baby in the store puking with no bag, no wipe. Walking around this store as the kid is puking and leaving it there. WTF is the baby bag. I tell him, she wanted to have a baby she need to act like a mom. He needs to tell her, she must travel with his bag, even if she’s going into the store because anything can happen.

We’re on the highway she takes the kid out the car seat to burp him. I ask why she takes him out, she says, “how else am I going to burp him?” I say, tell your dad to pull over. Long story short no sooner than this crap, we almost get in an accident. I don’t say one word. Her and her baby is no longer any business of mind.

I can’t even remember what she (daughter with the kid) says to SO but he goes off and rightfully so.

Financial news
Today was pay day, I socked $585 towards my mortgage account. SO is suppose to pay the mortgage next month, I like to save just in case. I’m sure he’ll pay it, he did for July but I’d rather be safe than sorry. Once he pays I’ll throw the money into my EF. To get that back built up.

I’ll be able to add an extra $175 today to the EF as well, so excited. When you have less debt it makes it easier to save.

Though I’m dealing with this legal issue, I pumped the breaks somewhat on CC10. Normally I could throw an extra $500-$600 at it but I’m doing about $100 a month. I don’t know, I just don’t feel right if I’m not throwing something at it. Plus the EF is building back up nicely and it’s only been a month.

I also went ahead and added $34 to the retirement account. This I’m not stopping even though the dollar amount is minimal, I’m too far behind on this and time is against me.

The EF should be back to about $6,000 the end of this month. I’ll still continue to add to it aggressively until my legal woes are over.

It’s a Struggle but Also a Progress

July 7th, 2019 at 04:58 pm

Washed and colored my hair, saved myself $60. I do have to go in on Wednesday for a relaxer and and cut 🤦🏽‍♀️🙄. Wish I could do this myself but oh well.

Today was a no spend day. I’ve actually had seven (7) no spend days this month. I did buy one item that was not necessary, a float for the pool, I already had one, so I took it back. Got my $3 back.

The best thing I could have done was create sinking funds. I was invited to a birthday party for an old friend, who I love dearly. Even though we don’t talk regularly I would not have missed her party. Anyway, I had the money in the sinking fund to get her a gift, one of my favorite wines.

Also last week, I had the funds for my oil change 😃. Now it’s time to renew my professional membership, cost is $200, I’ll submit for a refund on the job, but if I’m not issued the refund I at least have the money.

Without these sinking funds I would have used a credit card. I’m so proud of myself.

I spent my afternoon balancing my accounts. One thing I noticed on the Vanguard account is an in and out, something called Swipe, what does that mean? Also, SO opened his retirement account, right now it’s $20 a week and we will gradually increase.

My net worth has decreased a little, I can’t wait until I’m able to see a positive number vs a negative one.

It’s a struggle some days but I do see the progress.

BoA Points, Poshmark and More

July 6th, 2019 at 01:01 am

Just cashed out 8,900 points of my BoA card, that was equivalent to $44. I’m adding the $44 to my EF.

The reason I was able to accumulate so many points was that I added my legal fees to the card and paid it off immediately. I have a few auto pay items as well, such as car insurance and cellphone and as soon as those charges hits I pay them off.

I also received another five star rating on Poshmark so I was able to cash out $3.05 from a sale. This was also added to the EF.

I’m 42 cents away from cashing out my Ibotta account. So far this month the extra earnings/cash rewards would be about $72. Not bad, I’ll take that. It’s really a refund on items I actually bought.

I finally got my oil change which was $40, geesh I remember when oil changes were $15, this is crazy. Thank goodness I have the car fund for stuff like this.

Yesterday, I bought a phone 📱 charger for my car, well something told me after the fact, to place the charger in a different outlet, well it worked. So I’m taking that back to get my $12 today. While I was in Walmart l also bought another pool 🏊🏾‍♀️ raft, not sure why but that’s going back as well, that was $3. It was a want and not a need.

Lastly I took a look at my budget for July. By the end of the month I should hit my savings goal of $5,000. Then August would be another $1,000 and I’ll be back to where I was prior to my legal stuff. I’ll continue to add to the EF aggressively until everything is all squared away. I don’t know, I just feel like I’m off my A game with my savings and debt repayments. I really wanted this credit card gone by the end of the year.

Interest 🤦🏽‍♀️🙄

June 24th, 2019 at 06:27 pm

I hate interest. Before my legal issues I had paid $300 on CC10, my final card, only to be hit with a $100 in interest 🙄🙄
No complaints, that’s what I signed up for when I agreed to use the card. I was really hoping to get this sucker gone but nooooo my jack🤬 of a bother decided to file a suit 🤦🏽‍♀️🙄. Every time I think about him, I get ticked off 😡. I’m more ticked off with him causing me to delay making extra payments.

Other news, I meal prepped today. I ended up throwing out a few meals in the freezer, from the previous meal prep, they were well over the time span. I’m going to make sure that doesn’t happen this time.

I did eat out today $3.20, I’ve got to get back on my game.

The Devil Will Not Win This Battle

June 16th, 2019 at 04:45 pm

I realize I’m in a fight for my life and God is standing with me. All weekend the word of God had been spoke over me.

From the day I was crying and my friend text me I love you, to yesterday when the message was of that of Esther and Ruth. Two women who went through the storm and God brought them through. Esther, reminding me of a conversation my dad and I had, in that he told me not to tell my brother. Then this morning during a spiritual chat, the word appreciation came up. It was a word that my dad often used.

I’ll be lying if I said I’m not nervous but I do have a sense of peace. God will stand before me, protect me, the truth will prevail.

I’ve decided not to let this situation hold me hostage. My siblings told me to use the rental property money for this mess. So that’s an extra $850.

In other news, I balanced my cash 💰 envelopes ✉️ and for last pay period I came in under budgeted by $69. I’m so excited.

I’m also participating in a envelope change, each day I take a few dollars from an envelope and save, the goal is to come in under budget. I like this challenge. Of course any money saved will go towards legal fees. Who would have thought I would have legal fees.

I’m thankful that I started paying down my debt, and I will continue to do so. I may not be as aggressive as I would like to be but I’m not stopping. The devil will not win this battle.

Sunday Rambling

June 9th, 2019 at 02:43 pm

Just some Sunday rambling. I checked my accounts and earned a total of $3.59 in interest last month. Interesting, I pay 100x this in interest each month. Baby steps.

My grocery cash envelope has about $4 in it for groceries. I have chicken I can prepare and I’ll go pick up some strings beans to go with it. I still have a few meals in the freezer, so I should not go over. I’m impatiently waiting on pay day.

I called Fidelity and found out that I can set up direct deposits to my rollover account through my employer, Vanguard doesn’t allow this, I thought this was cool. I’ll set this up tomorrow.

I also completed the rollover/transfer form to transfer the $74 from the traditional IRA at Capital One 360 to Fidelity. I should have close to $3K once I get everything all rolled over. Then it’s up from there.

CC10 was bugging me, so I paid the $185.85 to bring the balance to $8,000. Friday is pay day and I’ll be throwing about $200 at it, then two weeks later I can throw another $1,000 at. Can’t wait to get this baby paid off. I’m anticipating 8 months to pay off but I really think it will be paid by Christmas.

Opened the Fidelity Rollover Account

June 9th, 2019 at 07:00 am

Opened the Fidelity rollover account. I’ll complete the forms for the 401(k), number 1, today, scan it and email it to be processed.

I’ll have to call and speak with a representative for the 401(k) number 2. Not sure why this is so difficult for $230 dollars.

I’m going to schedule a time to meet with a representative from Fidelity as well.

I’ve decided that I’ll keep the Roth with Vanguard and rollover/traditional with Fidelity. Right now I’m contributing 2% to retirement (Fidelity and Vanguard accounts) it’s not much but it’s a start.

Once I can get a handle on the remaining credit card and student loans, as well as educating myself on investments, I’ll invest more. I’ll continue with this amount and gradually increase each year and at every mile stone (debt paid offs etc). The goal is to be contributing at least the 15% in the next five years.

In stupid tax (debt) news, I took a look at the budget. Looks like I’ll be adding an extra $1,000 💰 to CC10. It sickens me that I can’t add this amount to my retirement but hey. Looks like I may not have this CC paid off until early next year, if I’m only able to throw a $1,000 at it. We’ll see, I may be able to cut a few things or come into some cash.

That’s it for now

Edit
To say, I added $10.79 to the rollover, rounding down my checking account, can’t wait for the actual roll overs to hit

How Much is Too Much in the Checking Account?

June 7th, 2019 at 01:39 am

Checked my account and the bank credited me the interest charged on CC8, and I’m back to a zero balance 😃

Wow, I’m still in shock that the interest was adjusted and I’ve paid off nine credit cards 💳

I also checked other accounts, I mailed off my two month HOA payment Monday, and the check cleared already. I’m also shocked at how quickly that occurred. I still have about $174 left in my cash envy until pay day, and my checking account has just over $400.

I’m curious how much do you keep in your checking account as a buffer goes? I think Dave says we should zero base our budgets. Each pay period I allocate $10 to my checking for budget items I may have forgotten about and other surprises like the $13.20 lab 🧪 invoice I received. I’m thinking about throwing $200 at CC10

Interest Waived on CC9

June 6th, 2019 at 04:37 am

Logged in and the interest hit my account for $23.69.

I can’t remember who recommended it but thank you. I called the bank and they removed the interest. I’m so excited.

Finally, Paid in Full

June 5th, 2019 at 02:53 am

Finally after three days the last payment hit my account, I can officially celebrate! This card has not had a zero balance in about 10 years.



I haven’t transferred the extra money from what SO gave me, to the retirement account yet because I’m still waiting on the interest to hit the card.

I’m thanking God for sending a message and reminding me that the borrowers slave to the lender and moving me along this journey. I’m thankful for you all support and tough love at times.