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.
Viewing the 'Family/Friends' Category
Yesterday was a great day, I didn’t spend a thing.
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
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.
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.
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. 🙄🤦🏽♀️
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
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, 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
Today is the day. I spoke with a few friends and I’m giving the SO until 12/31 to move. I originally had a later date. I’m also nervous so I need all the prayers I can get. I’m nervous as hell but I know it needs to be done. Someone posted on my previous post to give a date, so the date as been set
I’ll be applying to both Aldi and Walmart for a cashier job, fingers crossed.
Well as soon as you make it, it goes out. Today was payday. I took care of the following, tithes were paid, paid on both remaining CCs, took care of the cable (my portion for the month of November), added to my sinking funds; but what I’m most proud of was creating a sinking fund for the house 🏡.
I was planning on adding $85 a pay date to cover the HOA for the following year, but I bumped it to a $100. I’m thinking a little extra a pay date won’t hurt, in case they decide to go up.
Tonight I’m speaking with the SO I’m going to give him until December 31st to move. I figured one, he’ll know that I’m serious. Two, it will give him time to at least save to move. I plan on letting him know that I’m exhausted, that this isn’t working and I’m not going into the new year with his baggage.
2019 we would have been together for almost 10 years. Things actually went downhill once we moved into together, this was when I realized he is really really really bad with finances. Both of us were living with our parents. I had just lost my job and he was recently divorced. We dated for three years before deciding to live together and the only reason why that happened was because of my mother.
I should have known things wouldn’t be right. First sign I tried talking to him about how he wanted to split the bills, he was somewhat evasive. Then when it came time to pay to move in, he had his portion of the money the day of not before. Long story short it was downhill ever since. At first I thought maybe because his mother doesn’t pay him regularly but nope he’s just as bad as she is with money, if not worst.
Oops my low life brother has decided to go back after me. Smh my attorney called last week. Hopefully the judge will lock him up for frivolous case
Ugh interest🙄. Received a new invoice for CC7 that included an interest payment of $80+ , I went ahead and paid it off. I hate when you pay a bill another comes with the interest.
Looked at my student loans, ugh and what I’ve found is that in order for the balance not to increase and kill me I need to pay an extra $200 a month on interest, this will stop the balance from increasing, breaking even until I pay off the last two CCs. Now that the other cards are paid off, I can do that and still pay bills and add to EF. I hate interest 😡.
I’m opening up a separate checking account for the mortgage, and HOA. Though I haven’t closed yet, I want to jump start on socking away for this. Closing looks like December, that will give me 60-days to put things away and have two months saved.
Yesterday I woke up and the cable was off. Smh. I lost it, I called my SO told him I wanted him out. Told him that I can’t keep doing this, that it was mentally, physically and emotionally draining. I told him that I don’t need nor want his bad financial habits to cause me to lose my house and that he needed to go.
Came home after work, and the cable was on but it doesn’t negate the fact that he pays everything late, every three months the cable is off, and he does the bare minimum. I want him gone!
This weekend I’ll be looking for a part time gig, since the holidays are rolling around, this should be easy. Plus I should be taking on another department, that will give me a raise of about $12k, fingers crossed
That’s it have a good one everyone