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Viewing the 'Family/Friends' Category: Amber's Personal Finance Blog
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Viewing the 'Family/Friends' Category

Birthday Shenanigans

January 18th, 2020 at 08:42 pm

Thank you all for the birthday wishes, I greatly appreciate it.

Yesterday was a very low key birthday celebration. I took $50 out of my slush account and bought two pairs of earrings, my last pair broke.

Then the SO insisted on taking me out for breakfast 🥞 so we did that. Next after breakfast I headed over to the used appliance store, in search of a dryer. Well I found one for $180. I was a little nervous but decided to purchase. As I was heading to over to pay, the SO decided to purchase as a birthday gift. No complaint from me. Saved me $180. I have an account for home repairs and was thinking I should take the$180 and add to CC but it’s best to just leave it.

I pretty much stayed home yesterday, that was my birthday celebration. SO gave me $20 for dinner, I put the money in my cash envelope and ate what I had.

I got a quote on the hurricane shutters yesterday, $3,000. I was actually expecting less. This is the guy who did a friend’s home, at half the price. I’ll call around and get at least three more quotes, and set up a sinking fund for this as well.

Lastly in financial news, the CC was knocked down to $5,500, I’m hoping to have this card paid off by April/May.

My electric bill decreased by about $20 but the water went up $10 🙄🤦🏽‍♀️. I had a running toilet 🚽 that I believe caused the bill to increase; however, I finally got it fixed.

Year is Off to a Great Start

January 11th, 2020 at 12:43 pm

So much has happened this year, on a positive note, and I pray it continues.

First, I can’t believe it but I’ve had 10 days in that I have not dined our, not even a soda or chips. It’s been tempting but I’m determined not to eat out this month.

Next I dropped an extra $200 on the credit card and an extra $100 on the mortgage.

I’ve decided it’s no rush and to hold off on the dryer, not to mention my toilet is running, so that’s a priority. Thankfully my uncle has plumbing skills so I’ll have him to take a look at it.

Then there is the big news, my brother had to drop his lawsuit. I wanted to go out and celebrate, not to mention cry, when I got the news. I’m still on this I can’t believe it, but I knew it, kind of a high.

Apparently after my attorney laid into his with the facts and ensured his attorney we were prepared to go after him, the attorney, if he moved forward with his frivolous lawsuit, they had a change of heart.

The sad thing his; I honestly think his attorney knew all along but because my brother is greedy, and he saw a money pit, he moved forward. To go through this process, I’m sure it cost my brother at least $10k

I’m due a refund, but will use the money to finalize one last item with my dad’s estate and then get whatever the difference is back. I’m estimating about $1500.

I’m just so thankful that this is over.



Finally

January 10th, 2020 at 02:44 am

Finally!

My attorney stated she’s been trying to contact me with no luck, and wanted to let me know my jerk of a brother has decided to drop the lawsuit.

Thank you Jesus !

I just wanted to cry

Day 2 and No Spending

January 3rd, 2020 at 02:53 am

Great day today.

I had the boys and they were pretty good. We made homemade pizza 🍕, and completed a few home work assignments. They opted to watching a cartoon/movie on Netflix. So that was our day.

I ended up not having a spend day. After the boys left, I finished up putting away a few of the Christmas items, straighten up the closet in the spare room, and moved the elliptical in my bedroom. I figured having the elliptical in my bedroom I’d be more likely to use it while watching tv 📺. I cleaned my bathroom, totally forgot to take care of the guest bathroom 🚽, so that’s on my to list this weekend.

I transferred $1 to my cash envelopes ✉️, for not spending any money 💰 today.

Tomorrow it’s back to work. I can say this week that I’ve been off has been AMAZING. I’m fully rested and ready to make 2020 one of the best years ever.

January 1st

January 2nd, 2020 at 03:49 am

January 1st and it was a no spend day for me.

I also marked some things off my list, like weighing in, journaling, walking, drinking more water, reading a little, and dumping four chairs, decluttering.

Because it was a no spend day, I added $1 to my January challenge of no dining out. I also added $1 for this week’s 52 week challenge. All the money saved this month will be added to the snowball.

I had a scratch off and won $2, this will be added for next week’s 52 week challenge.

Tomorrow I have my great nephews, I have a few board games that we can play, we will make pizza at home for lunch. I refuse to spend any money. I did get them zoo passes for Christmas, that might be something we can do, we will see. However; I wish it was a little warmer, I’d take them to the pool.

I’m in south Florida and we don’t have much of a winter, but I can feel the temperature dropping a little. I decided that I will not turn the heat on, unless it drops below 60. I can’t stand the cold. The blankets that I have and PJs should keep me warm. My electric bill is slated to be less than $60 this month, and I’d like to keep it like that.

That’s it for now, hope everyone enjoyed their holiday.

Quick Update

December 21st, 2019 at 01:05 pm

Hi all
It’s been awhile but I’m still trucking along.

These last few weeks have been super busy. Work has been crazy, we have one manager that everyone and I do mean everyone struggles with, including the CEO, who needs to be fired. I’ve somewhat made the recommendation but my manager, CEO, is quite sensitive to this. The woman has worked with her for 25 years 🤦🏽‍♀️🙄. The position is a $110k + a year that actually can be eliminated.

My side hustle is going great, they’re actually looking to expand in 2020. I have a really strong feeling they’ll be offering me a full time gig. I’ve decided if I’m offered the position, I’d negotiate two days there a week with benefits for $65k a year and keep my current job negotiating $65K a year for three days. Fingers crossed.

On the money front, thank goodness I saved and paid cash for Christmas. I spent more than usual, for the family game night. Reason being is because this time it was all on me. Usually the SO chips in, but he didn’t as much as he usually do. I paid the server and the photographer and that’s usually him. I’m not upset, just glad I’d budgeted for it. The sinking funds really do help. I bought Christmas gifts for my staff, nephews, and paid for game night all with my Christmas sinking fund. Not to mention, no stress.

Today I’ll be reviewing my cash envelopes, and updating my budget for January

SO Update

November 23rd, 2019 at 12:45 pm

SO called this morning in tears. He said that his life is in shambles. He told me he sits and looks in the space that he’s living in and it looks a mess, because he doesn’t have a drawer to put his clothes in. He also said, he understands why, I wouldn’t want to be with him, and that if he was a woman, he wouldn’t want to be with him either.

He went on to say, he has nothing. He’s lost a ton of weight, over 15lbs, was extremely sick a few weeks ago and is to have out patient surgery but he doesn’t have the money (no insurance) to have the surgery. The mother is still not paying him, and the side jobs he gets, he’s barely making it.

The daughter with the baby needs counseling, I’ve told him over and over to get it for her, she’s extremely promiscuous, get her tested for STDs, and put on birth control. I’m not sure if he doesn’t want to face the truth, doesn’t have the money, or both.

It’s sad, though he’s super nice, but he’s ignorant when it comes to the mother and the daughter. I just simply listened. Once he was done, I told him, once you get angry, you’ll know what needs to be done and do it.

I’ve dated momma’s boys but this is absolutely crazy, he’s so afraid of upsetting her and the, that he can’t see he’s becoming unhealthy, mentally, physically and emotionally because of it.

He did thank me for being a friend.

Sunday Updates

November 10th, 2019 at 05:40 pm

My ending EF balance December of 2018 was $8197.69 my goal is to not only get back to this balance but surpass it.

As you all know, I had the emergency legal fee of $5,000. I was so close to hitting the 6 month savings goal and then boom 💥. I am thankful that I had the money to pay 💰 the lawyer.

I checked the EF and my balance is $5,559.87, I’m estimating by the end of December 2019 my ending balance would be about $6900. 🤞🏾

There’s so many things I want, and to do but I realize, I need to stay focus. Focus on one thing at a time is a must. First thing is, I need to keep socking money into the EF, the goal is to have 6 months of living expenses, that’s 12k. Plus a little extra, for legal fees, until this issue with my brother is resolved. I’ve been laid off 3xs and thankfully I had money saved. Right now the average time to find a job is about 6-8 months.

I’m still throwing extra at the CC, about $300-$400 a month, hopefully by March/April this baby will be gone.

Next, I know my car will need to be replaced, she has 259,000 miles on her. I love that car (Camry) and I pray she hangs around at least two more years but at so many miles I don’t know. The goal is to have about $5,000 saved, so that I can buy a car cash.

Lastly, it’s the student loans and the mortgage. If all goes well, and I hit my EF savings goals by February, pay off CC10 by March/April, I can pay an extra $400-$500 a month on the student loans , an extra $100 a month on the mortgage, and bump my retirement contributions. That’s the plan.

In other news. SO has been extremely sick. I personally think he didn’t go to the doctor because he has no insurance or the money. He finally broke down and went to the hospital 🏥 yesterday. I told him, if what he was experiencing wasn’t life threatening, that they would stabilize him and send him home 🏡. And that’s exactly what happened. The ER doctor 👨🏽‍⚕️believes he has an ulcer. I told him that as well. The stress he’s experiencing is off the charts.

Any way they gave him two prescriptions and told him to follow up with a gastroenterologist. The prescription was $200, I offered to pay. It’s the helping others in me. He opted against it. I went online and found a prescription discount drug card, with the card, the prescription dropped to $29.

I’m praying for his sake, he gets his life together.

Side Hustle = Exhausted

November 2nd, 2019 at 04:12 am

I came home and crashed. The consulting gig wore me out this week. I’ve got to figure out how to manage this or I’ll get discouraged. I sent my invoice off today, they have ten days to pay.

I’ve been using Google’s drive to track the hours worked with them, my mileage and tasks I’ve completed. I also created a shareable folder for the Company in that I will download items.

I decided the first few checks with them I’m going to save. I prayed about this and something keeps telling me to save the money.

When the legal stuff started, I had to literally deplete my savings, and though I’m not back to where I was initially, I’ve managed to bump it up, quite a bit. I’ve decided that extra cash, will go to putting the savings back to the $6,000 (three months of expenses) plus an extra two in case anything legal pops up, so $8k is the cut off. Once I’m there, I can start tackling the CC. I’m still paying extra but for those of you who follow me, my peace of mind means everything, slow and steady wins the race.

I haven’t heard from my attorney so I figure no news is good news. I really feel comfortable with her, and I’m not worried.

Other news, because I’ve been so busy with the consulting job, for two days I ate out. November was suppose to be no spend month 🤦🏽‍♀️🙄. I’m getting back on track.

Yesterday was pay day, and I always look forward to filling my cash 💰 envelopes ✉️ but I was so tired, I came home and crashed 💤.

SO stopped by to trim my hair and I was too tired to get up. I slept for about four hours. Now it’s midnight and I’m tackling the envelopes ✉️

I did speak with SO after I woke up for a few minutes. I thought when he came in, and spoke it sounded as if he was crying but honestly I was so exhausted I couldn’t move. When we spoke, after I woke up, he told me that when he looks in the mirror he’s disappointed in himself. I shared with him, the good thing is, you have the opportunity to make a change. I’m praying for him. I know he’s capable but fear holds him back. Other good news for him, is that he was so frustrated with the mother, she didn’t pay him again, that he told a client to make the checks payable to him. So there’s hope. I want to say that this woman hasn’t paid him in about two months. She’s actually gotten worst since he and I broke up.
I’m afraid he’s falling into depression

Electric Bill Round 3

October 21st, 2019 at 12:05 pm

I get a natural high checking my energy bill. Lol. My next bill is projected to be about $52. Wow 😮 is all I could say. If I can get that bill down to $52 that would be awesome!

Yesterday I did not have one soda, I also only bought what was on my list, while grocery shopping; in addition , I stuck to plans to not donate money an event I had attended. I always feel guilty but I didn’t budget for something like this, so it was a no for me.

Checked my Murphy points and I have about 720 points, that’s .72 cents off gas per gallon. I’m waiting to get to 1,000 points, that will give me a buck off each gallon.

Family news
I realized that the way my mother speaks is simply by yelling, all weekend when she called she was screaming, so much so, it gave me a headache. I don’t think it’s intentional, just believe that, that is all she knows 🙄🤦🏽‍♀️

SO stop by in tears, I just listened didn’t respond. I’d told him awhile ago to seek counseling so it’s up to him. He needs to come up with a ton of cash by tomorrow or the bank will take the mom’s car. He called his siblings for help, but no one offered to chip in. I did tell him he can’t wait for an offer, he needs to ask.

If it was me I’d let the car go. She shouldn’t be driving anyway, and he can’t afford it. One thing he did say was, he got himself in this mess. I’d say he sure did, if he refuse to take things over because he fears hurting the mom’s feelings, well he’s right where he wants to be. He’s a fool

AC Update and Other Stuff

October 9th, 2019 at 02:55 am

SO came over and cleaned out the AC, it appears as though that’s what the issue was. Fingers crossed 🤞🏾 I’ll be sure to put that on my monthly to do list.

We ended up chatting a little. I was surprised to hear him say that he told his mom that he’ll be moving soon. I thought he’d never leave her house.

He also mentioned that sometimes he goes into a store and picks something up but realizes that something else is more important and that he’s working on his finances. I shared with him, that I understood, and that my goal is to be debt free in seven years and I can’t be debt free eating out everyday.

He then said, “sometimes I wake up at night and I just cry, I realize that I’m in this mess due to my own actions.” I felt really bad for him. I mentioned to him that if he needed to talk, to call me.

I’ll listen, and provide sound advice. God knows if I didn’t have my friends, I’d probably would have jumped off a bridge. This time our conversation was different, for some reason I felt like he wasn’t himself, something was missing and that worries me.

As I told him, change is hard, he’ll get through it, he just have to keep pushing through.

I read your previous comments and I never thought about counseling for him, I only thought about it for his mom. I’m going to suggest he calls someone.