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Bumping the EF

July 16th, 2019 at 12:43 am

Yesterday I walked over four miles and today I am paying for it, my legs are killing me.

The tenant made his rent payment so I’ll be adding the last $850 to my EF. That will bring the total to $4,226. I still have to add another, hmm 🤔 I’d say about $200 to this as well. This is also the last month that SO will pay the mortgage and I can add the $965 bringing the total to over $5,000. I’m so thankful that I was able to build this back up as quickly as I did.

I checked my cash envelopes ✉️ and have $60 left over 😁. I just kept the money in the envelopes. I did budget $115 this budget cycle for hair care but I’m reducing this to $40 and putting the rest towards the EF. I got my hair cut so I can try and do things myself.

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.

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.

Tuesday Ramblings

July 2nd, 2019 at 06:38 pm

Today was another great day. Outside of spending on things I need, eggs, salad 🥗 to go with my frozen meal, and juice 🥤 I spent nothing. I also got $0.20 back by using Ibotta.

Because today was a no spend day, I reduced my personal envelope ✉️ by $2. Yesterday it was my fun envelope. The goal is to come in under budget with my envelopes and transfer this money to the EF. Last month I did a dollar a day, and socked away $23.

For me challenges work, it keeps me motivated.

For dinner tonight I had my frozen chicken parmesan, with a salad and toast with garlic spread. Everything was yummy.

Lastly, I dumped a $1.15 into my change charge after cleaning out my envelopes. I always cash in the change, that comes to about $22.


Not Bad for the First Day of July

July 1st, 2019 at 04:52 pm

I couldn’t wait to get home to get in the pool. I actually spent about 30 minutes and loved it. Wish I could swim though 🤦🏽‍♀️🙄

After coming home, I packed the item I sold yesterday on Poshmark to be shipped. I’ll be dropping it off tomorrow. It’s $3 and I consider that a win, since it’s more than I had yesterday.

I also went back to the store to get a refund. The cashier charged me twice for soda and I only had one six pack. The old me would have let it go, it was over a week and I didn’t notice until yesterday. Nope I went right back in and got my $3.53.

Today was a no spend day, so I’m adding $2 from my envelopes to my EF.

All in all I’ll be throwing $8 at the EF in total. Not bad for the first day of July.

Pool, Credit Score and More

June 30th, 2019 at 11:08 pm

I’m so glad that the weather cleared up ☔️ so that I could hit the pool. The water felt great! Who says you can’t have fun while on a budget.

Our HOA is expensive, $185 a month, before I bought the place, I never went to the pool. The landlord made a comment once that the rent didn’t cover the HOA. I left like hmmm you don’t own your home so why go? I know stupid but I didn’t. I would ask the SO to go and he always said no, as well. That was another reason why didn’t go. Well I decided I’m going with or without someone. I’m paying for it now and these last few weeks I’ve been going and I’m like a kid in a candy 🍭 store anxious.

I only had one swimsuit and would have to keep washing, I found one at Walmart today for $9 and one at Target for $14. I’m good now because on average I go about 3x a week.

In other news I’ve set my goals for July
1. No dining out
2. Save and add $1,000 to EF
3. More cardio

I sold an item on Poshmark for $6 my earning was $3.05, adding to the EF.

I checked and my FICO score is now at 791. I can’t remember the last time it was this high. I know it has to do with me reducing my debt. I’ve always had a high debt to income ratio due to credit cards 💳. I’ve always paid the bill on time so I thought all was well until I realized I had no money left after each pay check.

Needless to say, as I continue to pay down debt and save more, this score will decrease and I’m okay with that. The goal is to not borrow again.

Upped EF

June 29th, 2019 at 04:08 pm

Just wrote a check for $$361 and $1200 to the EF bring the balance to $3,517.94. SO paid the mortgage, so I was able to dump my funds to the EF. Mid July I’ll be able to throw $700 at the EF when the tenant pays his rent. So I’m back on track. One thing I can attest to is when you don’t have debt and an emergency hit, you can quickly rebuild your emergency fund.

Other news, meal prepping is definitely making a difference on my grocery bill. Tonight. I’ll prep, chicken parmigiana (my first time) and spaghetti 🍝. For July I’m opting for no junk food, I’ve packed on a ton of weight. I’m also doing the no dining out challenge.

Pay Day

June 28th, 2019 at 01:35 am

Today is pay day. The SO told me he’ll be handling my half of the bills this month since I’m dealing with my brother, and need to save for any additional potential legal fees, so I’ll be adding about $1200 to the EF within the next few days. I’m giving God all the glory and the praise. I was so worried about my EF and in just over a few weeks, I’ll be close to $3,500 after dishing out $5,000 for legal expenses. I’ll also be adding $750 to it mid July as well, once the tenant pays the rent.

I was thinking once I hit the $4,000 mark, I should start back paying down the CC, not as aggressive as before, since I was able to beef things back up so quickly. I know this isn’t the best option because legal fees can quickly rack up and I do not want to use a credit card, so I’ve decided to hold off. Maybe wait until I’m at about $7,000.

Honestly I just want my brother to leave me the hell alone. If I’m not able to get my legal fees back, I’m okay with it, just leave me alone. A part of me is hoping that the judge is empathetic towards me after realizing the crap he’s putting me through, and makes him pay me something extra in addition to my legal fees. I believe if he has to pay me he’ll stop, money rules him.

So pay day updates. Because I’m OCD about things, I paid the mortgage. I should have the funds today from SO. I did tell him I could foot the bill for my half of the household bills, his mother hasn’t paid him in two weeks, that’s a different story, but he’s insisting that I put the money up in case something else pops up.

Today’s pay day completed list:
$187.27 tithes not an option to skip
$990.10 mortgage, extra $25 principal
$195 CC10 minimum payment
$30 retirement
$299 savings

Upped EF

June 23rd, 2019 at 03:57 am

The tenant paid the rent $850, via cash app. I’ll throw $100 into the rental property account that I manage for my siblings and $750 into my EF, to rebuild it. Thank God, they agreed to let me use the money for legal stuff.

My rollover hit my Fidelity account and I’m suppose to pick some funds, but before I do that I will definitely research and get an understanding of how things work. I still have to roll over another $200.

As you all know I’m in a battle with my idiot brother. Yesterday I read this in my daily devotional.

“Truth is the absolute standard by which reality is measured. We may even have the facts, but you can have the facts and still not know the truth. Jesus said in John 8:32, only the truth can set you free. You can have information and not have the truth. Focus on the truth and watch God use it to bring you victory. “ - Tony Evans

This devotional really drills home, you can have the facts and not know the truth. That’s what I’m experiencing with my brother. I can’t wait for this to be over.

No Luxury Hand Bag For Me

June 2nd, 2019 at 07:12 pm

So my friend just bought a new luxury bag. This is the same friend who told me to change my outfit for Mrs. Obama’s book 📚 tour 🙄🤦🏽‍♀️. Anyhow she’s complaining that her student loans were in the 30s and now it’s in the 100s, she’s five years in since her last payment and she’s waiting her 20 years for loan forgiveness. Actually she wasn’t complaining she was quite content with it. Um okay 🙄🤦🏽‍♀️

I told her as much as I would like a luxury bag, my priority is to pay off my debt. Makes no sense to have a $1000 hand bag 👛 with $2 in it and my net worth is a negative $180k. I’ll pass.

Meanwhile, I got an extra $125 from the SO, I have to buy a ticket for a fund raiser event, I was going to cash flow (already budgeted) but since he gave me the money, I’ll use what he gave me, and the remaining will go to CC10.

Today was the first day that I drank a total of 66 ounces of water 💧. I’m so proud of myself. I’ve had it on my list of goals to drink more.

Poshmark

April 24th, 2019 at 03:03 am

Sold an item on Poshmark for $10, I made $7.05 and received a five star ⭐️ rating. Super excited.

I ended up spending $20 at Walmart for a swimsuit 👙 that I’ll be returning. 1) I’m doing a no spend challenge 2) I didn’t like the way it fit and 3) I’ll just wash the one I have and shop around for reduce one.

I can’t wait until next week to throw about $700 at CC9. I have two months to get this baby paid off

I’ve also decided to keep my sinking funds going. For the car once it hits $500, I’ll stop. I don’t foresee any major repairs. But as I previously stated, my fence is old and I estimate a year to two years before I have to replace it. The washing machine was giving me problems but she’s running now. The AC is well over 10 years old and my cabinets are starting to go a little bit. Most of these things I can hold off until they give out however, I foresee me repairing and that alone makes me want to set cash aside for it. That’s what sinking funds are for, saving up the cash for things you know will happen later. Going into CC debt is easy for me by setting this money aside it helps me curve what could be a disaster for me.

CC5 Down to $500

June 18th, 2018 at 04:08 am

Yay final check hit from my previous employer. Of course I paid my tithes $78.06, myself $100 (EF), knocked CC5 💳 down to $500 and kept $100 in checking as a buffer.

I know some of you would say why not pay all to debt? Well because God has been way too good to me, for me not to give Him what belongs to Him first. I’ve learned over the years, that while paying down debt, if you don’t pay yourself first, Murphy will hit and hit hard. Plus this teaches me to live on less than I actually make.

I think this is the Great Depression syndrome. People who’ve gone through the depression tend to save no matter what for a rainy day.

Right before the Great Recession of 2008, I’d paid off my debts and saved a nice chunk of change 💰. Well the recession hit, I wasn’t worried, I was able to stay home, finish college, take trips and enjoyed my summer while all my friends worried and couldn’t find work. I also ended up back in the mess I’m in after this, by not staying true to my values 🙄, lesson learned. So for me, I never want to be in a position where I can’t afford to stay home if the worst thing happens.

I think that’s why I’m saving. Though I’m what one might call a moderate Republican, I hate government interference, I’m pro gun and pro choice, and I don’t like what I’m seeing. Home 🏡 prices are slowly creeping back up, people are frantic about buying a home (me included), jobs are steady but lay offs are happening and gas ⛽️ , well that’s up and down. Plus the markets has been way too good. I always say, what goes up must come down. Maybe I’m overly cautious but I’d rather side on the side of saving than not.

Oops, it wouldn’t be a post without SO drama. His daughter who is pregnant went to the movies with cousins. Apparently one of the cousins decided to head out