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Oh Well

May 8th, 2019 at 09:32 am

Ha ha so I went to cash the estate check and was unable to. The documents I have are expired. To be honest I’m not worried about it. I was looking forward to paying off the CC.

Unfortunately my ignorant brother held on to the check for months and the deadline to cash is the 14th. I’m unable to take off any additional days from work nor do I have the money to get the documents extended. To be honest I’m not even upset. I’m content.
Oh well

You Call it Davish, I say my way

May 6th, 2019 at 03:42 pm

I’ve been doing Davish thing for a while and all honesty I’m glad I’m doing things my way. It may take longer but I know if I didn’t do things my way, I’d be back where I started.

I say all of this to say, tomorrow is bible study night and one of the ladies will be graduating, I totally forgot about this. I’m so glad I save money for birthdays and other miscellaneous items that may pop up that I haven’t budgeted for. I’m responsible for a small cake, I’m estimating $10 and I’ll be getting her a $25 gift card. She’s a struggling mom and I know she’ll appreciate this. If I wasn’t doing things my way, this $40 could have easily gone on a credit card 💳. I’m just thankful that socking away for the unexpected helps.

Today was also a no spend day 😁, I was home sick 🤒

Sunday Ramblings

April 21st, 2019 at 10:02 am

So I went back through my bills and found that the extra money 💰 is for an upcoming students loan 👩🏾‍🎓 payment as well as my payment to Geico for the car 🚗 insurance. I hate this. They’re both auto pay but won’t come out until the 10th. This sucks

Other news, seems as though the light 💡 switch is out. This really freaks me out. I went to turn on a light and it started flickering. Then I turned the switch on for the ceiling fan and nothing. Both the fan and lights are on the same panel. I do not like messing around with electrical stuff. I’m just glad that I started saving for home 🏡 repairs. Tomorrow I’ll call a few electricians to come out.

Next, I realized that even though the SO is paying his portion of the bills, we are living like roommates, I’m over him. I’d be lying if I said I didn’t care about him and want the best, I just feel like I can’t make any progress with him here. I asked him when he thought he could move, that he needed to give me a date and nothing. This was last week. So today I said to him, we really need to talk about his plans because I don’t want June to come and I’m resentful because he’s still here

Birthday Gifts

February 18th, 2019 at 10:38 pm

Yesterday was a great day, I didn’t spend a thing.

Today; however, is a different story. I’ll see the dentist for a cleaning, that’s about $100. I signed up for the HSA at work, so this should be covered. I also feel as though I may have a cavity 🦷, yikes!

In other news, I have two up coming birthdays, one my nephew (16) the other my great nephew (8). My 16 yo nephew I’m sending $50. My 8 yo nephew, I ordered him a walkie talkie, he has a younger brother in that he’s close to. The walk-in talkie was $16.99 via Walmart, with free shipping, plus I had a gift card so the gift cost me $3 total, yay. I hope the 8 yo likes his gift. These kids today want $100 gifts and it’s just not in my budget, I’ll let his parents pay for that.

Even though I have a fund for birthdays, showers and miscellaneous events that a gift is needed, I didn’t need to use the money in that account. I was able to add the gifts as line items to my budget. I’m actually coming in under in that I anticipated for both gifts, by $22. This will be added to CC9.

For the rest of the year I have my great niece graduating, and two other great nephews birthdays coming up. The fund will definitely cover these.

Debt is dumb

February 10th, 2019 at 04:11 am

Yesterday, my sister and I was talking. I don’t know why but I got so angry when she told me she didn’t have any money to save so she uses her credit card for emergencies 🚨

I tried explaining to her that she needed to budget, look for areas to cut, but she insisted that the credit card method worked. I left it alone.

She’s terrible with money, owed me right now. But I’ve taken that as a lost. As she talked about why she uses the card and why it works I got more angry. I’m thinking, if you don’t have anything extra for day to day, how did you pay the CC bill when it comes? 🤦🏽‍♀️🙄

Needless to say, I listened, got more angry, and kept my mouth closed. After speaking with her, it validated what I was doing was working and what I needed to continue to do.

Debt is dumb

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.

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.

HOA

December 7th, 2018 at 03:54 am

Went to my first HOA meeting last night and boy was it a doozy. I went with the intentions of obtaining information only, meeting my neighbors but I became quickly upset as with other residents.

I was extremely annoyed that questions being asked by the residents to the board and the attorney was not being answered, no one had a copy of the bylaws. As I sat there I sent a email to the management company requesting a copy. It disgust me more that the attorney hired to represent the people appeared as though she was there to represent the board who told the residents they were not holding the meeting because they wanted to keep their seats. Unbelievable!

This is going to be quite interesting. I didn’t think that I would be too active but it appears as though I will be.

Other news, two days in a row I fell off the wagon and ate out. Ugh

I told myself that what ever I spent eating out I needed to add to CC9 so I’ve been doing so.

I reached out to my sister and told her I wanted the $50 she owed me. I’m taking this and adding to my sinking funds, home repair and HOA fund.

Last month I spent a $123 for work, found the receipt for reimbursement finally. I’d initially used the CC for this purchase but the credit card has since been paid off. I’m thinking I should add to my January mortgage payment (principal), student loans or pay down CC9. Who would have thought I’d be struggling with deciding which debt to pay off first. 🙄🤦🏽‍♀️

Updates

December 1st, 2018 at 04:45 am

Hi all 👋🏾
I’ve opened up the home repair savings account, I figured better late than never.
My goal is to save for things such as a washer, stove, roof etc. Though things are okay now, I know that when you become a home owner, Murphy visits.

Yesterday was payday so I went ahead and socked away what I would normally pay for rent. I had the SO give me his share for December as well, so I put that in the bank. I also socked away funds for the HOA. I really want to be ahead of the game.

Thursday I’ll be applying for the cashier’s job. I honestly prefer this one only because it’s right up the street and I only want 12 hours a week.

I notice that the SO was looking pretty down. Prior to him looking sad, I had honestly started feeling bad that I had asked him to move. When I asked him what was wrong, he informed me my that his mom had not paid him in weeks. All I could do was say to myself, thank you Jesus for reminding me has to go.

I have no idea why he refuses to take this business over from this woman, why he continues to go to work week after week and not to get paid? Here it is you’re trying to have a relationship with someone, build a future and you’re allowing your mother at 46 ruin your life. I can’t imagine another woman dealing with that BS as long as I have. You can’t pay your bills and you’re okay with that because Mom can’t be upset. Well you can Mom have a great life and be gone out of my place by December 31st. Ridiculous

Ready for the New Me

November 21st, 2018 at 02:39 pm

Just picked up the cashiers check for the closing on Monday, super excited.

I’ve also been searching the internet for an amortization spreadsheet that I can enter my loan information with extra payments. Once I close I’ll also be able to make a nice payment to the BoA credit card knocking off a just above half of the balance.

I bought my budget extension for my happy planner. I’m so ready to kick butt staring in December. Once the closing take place I’ll open up a checking account strictly for the mortgage.

Other news I saw that the SO reached out to his sister to let her know I want him gone. At first I thought he was not taking things seriously but when o saw that I knew he was. He only calls his sister when he’s stress, need advice and something drastic has happened. Thank goodness he knows I’m serious. I was really worried.

Im so excited to start my new chapter.

I Did It!

November 18th, 2018 at 04:18 am

I did it, I told my SO to move by December 31st. He didn’t say a word, other than “what?” So I told him I want him out by December 31st again.

I don’t know, but I have a knot in my stomach from it. I feel bad but I know it’s for the best. He can not afford to live with me, he has way too much baggage he just refuse take care of.

Now the countdown begins.

I’m going to start looking for a part-time gig