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January Snapshot

February 2nd, 2019 at 08:26 pm

January review
* Saved a total of $582.69
* Paid an extra $1079.93 on CC9
* Had 15 no spend days
* Lost one pound - I have to do better
* Almost finish book 1 for the year, I have to do better
• Paid an extra $100 on the house

Decluttering

November 24th, 2018 at 07:55 pm

I can’t wait to close. My landlord is a pain in my 🤬

She’s cheap and is always complaining geesh. She’s upset because she has to pay to get documents notarized to sell the place and go to a UPS store to ship over night. The title company was closed Friday. So she’s pissed, cut me a break. I just want her gone. Well we have to close before the end of the month and they need the information early enough to review and knowing her she probably signed in the wrong spot 🙄🤦🏾‍♀️.

I’ve repaired things in this place that technically she should have but because I have dealing with her I fixed. It’s small stuff but hey. Can’t wait to close Monday.

Today and yesterday I cleaned. I threw out so much junk, that it’s ridiculous. I got annoyed about all the money I spent and wasted, looking at that stuff. The kitchen looks great though and I can actually walk in my walk-in closet, and the bathroom is clean. I got rid of the clothes hanging in there.

I also went through, five drawers either tossing or posting items for sell. Tomorrow I’m trashing an old file cabinet. I literally have not opened it in about 6 years. So I’m shredding and tossing.

All these stuff animals the SO gave me for Valentine’s Day is going in the trash. I’m too old for stuff animals, I always hated those things.

I’m so thankful that I do not have to move, and thankful that the closing motivated me to trash junk. I’ve decided that from here until the new year, I’m tossing crap, decluttering my life.

Interest Rates Sucks

November 14th, 2018 at 04:14 am

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

Update

November 2nd, 2018 at 01:23 am

Good morning all!

The house the debacle is over, I received my check and paid off CC6, CC8 and CC7 will be paid off today.

I decided to purchase the villa that I’m in. The landlord agreed to $140K, and the place appraised at $150K. The good news is by me purchasing the rent/mortgage will be cut in half. The extra money saved, I’ll put half towards EF and the other towards the remaining debt.

I still have the 8k saved so if anything comes up with the home that’s where I’ll dip into. I don’t include this amount in the sidebar.

We are also expecting to relinquish a high level employee, her duties will be split amongst managers so, I should be getting another raise. Upward of about $10k - $12k

One Big Mess

August 11th, 2018 at 01:15 am

I have to keep reminding myself that this mess I’m in is only temporary.

First in financial news. My goal is to have CC6 paid off by the end of October. My 90 days on the new job is up this month and we are to revisit my salary. I’ll be asking for a raise. Since I’ve been there I have done the following:
* Save the company close to 50k
* Updated and rewrote outdated policies, about 12
* Update a number of HR forms
* Started the online implementation of our HRIS
* Put processes in place to streamline our onboarding process,and
* Revamped the new hire orientation
Not to mention all the other miscellaneous stuff.

Regarding spending, I’ve been off the grid. Eating out a lot more and spending more. Yesterday was the first check of the month, so I plan on getting back on track.

We finally got a date for next month regarding the sale of the house, I pray all goes well.

Now relationship news. As you all know, I’m sick of my SO. Every day there’s some BS with him. Well this week the child support office hit his account and his daughter’s because he was late paying.

Long story short last month, or month before, I can’t remember, he mailed off his money order payment. Well they didn’t get it. He was told the following month to wait and see if the money order clears, by the child support office. I said pay it,because it’s late and it makes no sense what you were told. Well he didn’t listen to me, and they took all his money and the money he in his daughter’s (16 yo) bank account.

Now he’s running around here mad because they touch his “baby’s” account.
I’m more like WTF!
1. All your portion of the bills are late, you take your time paying them but when it comes to your daughter’s money you make sure you’re doing what needs to be done to correct. Meanwhile my &);::/- is late!
2. If you had been saving, when the money order wasn’t received you could have paid the damn bill
3. Take the business over from your mom, she’s mismanaging and aren’t you sick and tired of not wanting to hurt her feelings 🙄 dude she’s not paying you. What’s the purpose of working and not getting paid?

Only good thing about this is, that I told him there is no way in hell I can or would marry him. He’d have us in the poor house.
Not to mention, he can’t even buy a diamond for the ring that’s now starting to change colors, lol just pathetic. All I can do is laugh to keep from crying, thinking about how much time, and energy I’ve wasted with this guy. Two years later and I still have a joke of a ring smh, unbelievable.

Don’t get me wrong, it’s not about the ring, I’m just making a point. I’d be happy with a $20 gold band, vs a $1200 band with a fake diamond that is changing colors, if he had his crap together.

Only thing keeps me trucking is I know this is temporary, debt is slowly declining, and this house will be sold then I can pay off my debt and get my own place.

CC5 Is Officially Gone!

July 27th, 2018 at 06:04 pm

Wow I did it!

This credit card 💳 was driving me crazy, I paid it off. CC5 is officially gone! It feels so good to know that I’ve paid this card off. It makes up for the dental payment.

What’s so funny was, I stopped by my mom after paying off the CC to check my mail. There’s an offer from Macy’s. upping my CC balance, thanks but no thanks. Just two years ago, they reduced it. My debt to income was too high. But now that I’m paying things off, they’re increasing it. I’ll pass.

Thanks for tips everyone, I am going to reach out to my dentist to find out if there is a discount. He typically discounts things for me so I’ll see.

Someone asked in a previous post if the SO could help, the answer is no. He never has any money for anything. Can’t wait to get him out.

We got another court date for September 11th regarding the house, thank God.

Always Something

July 13th, 2018 at 03:42 am

Always something. I was really hoping to knock 🥊 CC5 out today.

But, I had to budget for contact lens ($150). I wear my glasses 👓 90% of the time but with those special occasions I like to have my contacts. Many reasons why I’ve started a medical fund. I also have to pick up my meds, that’s $27.99. So about a $180 on healthcare that could have went to debt. I know I shouldn’t complain because any other time I would have to use the CC 💳.

I was able to pay at least half the balance on CC5 bringing the total to $225, yay. I’m still on track to have four credit cards 💳 paid off this year.

One thing I’m feeling good about, well a couple:
* Today was pay day and all bills for the month are paid, in advance mind you
* Extra was paid on the credit card 💳
* I cash flowed health expenses
* I was able to also save
* And I love my new job

Though I’ve been on the job just over a month, I’ve been able to make some traction, and my boss is amazing.

In other news, I see things getting worst with the SO and his daughter being pregnant. He’s making things happen and of course it frustrates me because as usual things are late here at the house. What frustrates me is, he’ll make sure the money is available for her but when it comes to the house it’s a different story. I just have to keep reminding myself that one, I’m paying down debt, two once the house sells I can move on, three this is just a minor setback.

Live and learn

Feels Good

June 29th, 2018 at 03:27 am

This journey of getting out of debt is a slow and steady process for me but I’m happy. I have to do what works for me and keeps me motivated.

Today was payday 💰 and prior to paying anything I always take a look at my budget. I noticed that I was only paying $9 to CC5 💳. I thought nope, nope this is unacceptable.

So I change somethings around. My cellphone 📱 was actually $5 less this month, I reduced both the EF and sinking fund deposits by $10 each and also reduced my offering (not my tithes) this pay date. By doing this I was able to pay an extra $45 on the CC 💳.

Unfortunately I did find a few bills, like the electric 💡 and water, were under budgeted , so some adjustments were made. But all in all I’m stoked, as long as I can pay extra I’m good.

I think what I’m feeling so good about is, one I’m knocking these credit cards 💳 out. This year was one a quarter and I know I’m on track. Next year with the higher CCs it will be two a year. Hopefully once this house 🏡 sells I can knock them all out.

Secondly, saving for what I want and upcoming expenses. This is actually one of the best feelings. Just knowing that I’ll have the money in October to pay my car 🚗 insurance for six months is great. That will surely free up an extra $100 a month. See right now I’m paying $166 a month, (I know it’s high, I’ve already called around and this was the best deal. Even a friend who has her own agency told me this was good) I also set aside $100 a month to be able to pay this sucker at once. But once it’s paid for six months I only need to sock away the $166. Not to mention I think when you pay it for six month about $50 is knocked off.

For the first time ever, I’m saving for Christmas 🎄. No more stress. I can actually host my holiday game night without stress and I love it.

Another first timer, medical. Saving for medical expenses was never an option or thought. But I’ve saved up for my eye exam, and if I keep this up I’ll have the money for my dental cleaning.

It just feels so good.

Drama and Goals All in One

June 23rd, 2018 at 05:11 pm

So my SO comes home, he’s worried he can’t reach his daughter. He calls no answer. Calls his ex wife and she tells him, the daughter blocked him.

Well long story short, I told him years ago that he spoils these brats he has from his ex and they’re going to break his heart. I hate to say it but I was right.

He calls the other daughter who calls the one who blocked him on a 3-way call and she tells him she blocked him because he didn’t answer her call. Now mind you, he sent her a text on the day that she supposedly call to say he wanted to meet with her and the other kids. Why would he not answer?

He’s terrible about many things but when it comes to the kids from the ex wife he goes above and beyond, I really felt bad for him. She’s an ungrateful you know what. This guy, had paid his bills late, pulled strings for her to graduate, and more and you have the nerve to block him because he supposedly didn’t answer. Though she doesn’t and hasn’t asked me for anything, I did tell him she can’t get anything from me. And I mean that. I’m not upholding ungrateful behavior. She wants to be an adult, he needs to treat her like one.

I can’t tell him what he should and should not do about his kids but I know what I’m not doing. Whew can’t wait to move on.

In different news, my payment on CC5 finally posted, pay day is Friday but I won’t be able to pay it off until the first check in July. This sucks but hey, at least I know it will be gone and then on to CC6. 10 CCs, this is such a joke, never again.

I had to call Att&t again for the fourth time. They never gave me my credit for phone 📱 insurance, smh. I finally spoke with a rep who credited my account today and waited for me to log in to view the credit. The problem was that they had already charged my account today for the auto pay. Autopay saves me $5 but it’s never on the same day,so I think I’m going to stop it.

Earlier this year I was saving for a family vacation, then I realize I had too much debt to save for a vacation. At one point I took the money out and paid down a CC 💳. But I also never stop adding to the saving account.

There are three big ticket items I want. They are, a laptop, Apple 🍎 Watch and a Circut. All very expensive I know. But I figured with patience and $20 a pay check by the time Christmas roll around I can purchase these items with cash.

This little experiment has taught me to be patient and save for what I want. Though it’s been a long struggle the reward in the end will be well worth it. The old me would have put these items on a CC 💳. I know some of you may not agree but this works for me. It’s no new debt and still being able to enjoy somethings. The laptop 💻 is about $200 the series I watch is $150 and the Circut is about $200. I’ve already added a stipulation that I cannot but these items unless I meet my 2018 goal of paying off four credit cards 💳, one each quarter. I’ve pretty much met my goal already, two thus far and three in just a few more weeks. I’m sure when December rolls around I’ll be on CC8.

Drama and Goals All in One

June 23rd, 2018 at 04:59 pm

So my SO comes home, he’s worried he can’t reach his daughter. He calls no answer. Calls his ex wife and she tells him, the daughter blocked him.

Well long story short, I told him years ago that he spoils these brats he has from his ex and they’re going to break his heart. I hate to say it but I was right.

He calls the other daughter who calls the one who blocked him on a 3-way call and she tells him she blocked him because he didn’t answer her call. Now mind you, he sent her a text on the day that she supposedly call to say he wanted to meet with her and the other kids. Why would he not answer?

He’s terrible about many things but when it comes to the kids from the ex wife he goes above and beyond, I really felt bad for him. She’s an ungrateful you know what. This guy, had paid his bills late, pulled strings for her to graduate, and more and you have the nerve to block him because he supposedly didn’t answer. Though she doesn’t and hasn’t asked me for anything, I did tell him she can’t get anything from me. And I mean that. I’m not upholding ungrateful behavior. She wants to be an adult, he needs to treat her like one.

I can’t tell him what he should and should not do about his kids but I know what I’m not doing. Whew can’t wait to move on.

In different news, my payment on CC5 finally posted, pay day is Friday but I won’t be able to pay it off until the first check in July. This sucks but hey, at least I know it will be gone and then on to CC6. 10 CCs, this is such a joke, never again.

I had to call Att&t again for the fourth time. They never gave me my credit for phone 📱 insurance, smh. I finally spoke with a rep who credited my account today and waited for me to log in to view the credit. The problem was that they had already charged my account today for the auto pay. Autopay saves me $5 but it’s never on the same day,so I think I’m going to stop it.

Earlier this year I was saving for a family vacation, then I realize I had too much debt to save for a vacation. At one point I took the money out and paid down a CC 💳. But I also never stop adding to the saving account.

There are three big ticket items I want. They are, a laptop, Apple 🍎 Watch and a Circut. All very expensive I know. But I figured with patience and $20 a pay check by the time Christmas roll around I can purchase these items with cash.

This little experiment has taught me to be patient and save for what I want. Though it’s been a long struggle the reward in the end will be well worth it. The old me would have put these items on a CC 💳. I know some of you may not agree but this works for me. It’s no new debt and still being able to enjoy somethings. The laptop 💻 is about $200 the series I watch is $150 and the Circut is about $200. I’ve already added a stipulation that I cannot but these items unless I meet my 2018 goal of paying off four credit cards 💳, one each quarter. I’ve pretty much met my goal already, two thus far and three in just a few more weeks. I’m sure when December rolls around I’ll be on CC8.

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 the theater early. Well this cousin, who just turned 18 gets into a fight with a 16 y/o and ends up in jail. 🤦🏾‍♀️🙄
I’m not sure why the daughter was at the movie 🎥 she should be in stork mode getting ready for a baby 👶🏾 but of course the grandmother 👵🏽 allowed this foolishness. 🤦🏾‍♀️ unbelievable. SO is another reason why I’m saving and paying down debt. He has too much drama, I need to move or get him out of here. I can’t afford to live on my own with debt and no savings

On Target With CC5

June 17th, 2018 at 04:21 am

Just paid another $300 on CC5. I had budgeted the COBRA payment for June twice. So I paid $300 on the CC and added the $84 to the EF. My COBRA payment is $384.25 a month. I have an extra $800 in the EF to cover two months in case I need to elect coverage prior to my coverage starting with the new job.

I’m excited because I will meet my second quarter goal of paying off a CC 💳 each quarter. Monday, my final check of my missed PTO pay out should be deposited ACH to my account of about $700. I’ll be adding this of course to CC5 💳 knocking the remaining balance to $300.

Though I’m not what Dave Ramsey calls gazelle intense, I am meeting my goals at a rate I’m comfortable with. And I’m saving, that is extremely important to me.

Before Dave, I’d paid off my debt. I had started with the smallest to the largest. One thing I did was, every time I ate out, I had to match this dollar amount to my debt reduction and when I didn’t I added, $2 to my savings. I think I’m going to start this up again. It helped me then and I like the challenge. Overall I like Dave’s plan, I think it works, but not for me, there’s some tweaking like adding to my EF each pay day.

Lastly, I’d like to wish all the dads a Happy Father’s Day! 👨🏽👔