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Question for SA on Retirement

May 18th, 2019 at 03:56 am

I’ve been so busy at work that I didn’t eat lunch yesterday. I found myself getting dizzy as I drove home. This is a habit I do not want to start. I ate my lunch for dinner and went straight to bed.

My mom gave me two dozens of eggs 🥚 and two packs of two chicken breast 🍗that I could easily turn into eight. I decided to split with my sister since I know she’s struggling and for some reason my mom is so mean to her. I have no clue why. My mom is just mean but she’s worst with my sister.

I checked CC9 💳 account today and the payment hit, yay 😀. I know I had paid it, and it would clear but nothing like the words processed and actually seeing the reduction of the balance. Next week I’m throwing $500 at that baby and she’ll be down to $1300. Two payments in June and she’ll be done ✅.

I’m thinking that CC10 will be done in December and then it’s the dreaded student loans 👩🏾‍🎓.

I wanted your thoughts, I’m 45 and I had stopped the contribution, following Dave’s plan, to my retirement. I’m thinking that once CC10 is paid off I should start back, at least at 3%. It’s going to take about three years for me to pay off the student loans. Or should I follow the plan, pay off the student loans and then throw 15-20% to my retirement. I can also max out my HSA that can be a vehicle for retirement as well.

What’s your thoughts?

It’s Pay Day

May 16th, 2019 at 11:33 pm

Woke up just after 1am checked my checking account and my paycheck was deposited. First thing I did was pay my tithes, I’m so thankful that is, has become second nature to me.

Next I looked and my $500 hit my CC9, all smiles as I added another $231 to it knocking that sucker down to less than $2k, nw balance $1847.75. Next week I should be able to add another $500 🙏🏾😀.

Then I decided to pay the mortgage 🏡. I don’t know if I read/heard this someplace, I think I did, or that I just like to do it but I like to pay my mortgage about 10 to 15 days before the due date. I’m so nervous that something will happen and I won’t have enough time to correct so that I’m not hit with a late fee. Plus I think the best time for a man to pay his bills is when he has the money. As I log in the bank has decided if you pay between the 11th and 16th they’ll charge you $5 if your not signed up for paperless bills. I’m old school and I like receiving my bills in the mail. This really ticks me off 😡 Needless to say and reluctantly I signed up for paperless billing.

Next I transferred money to all my sinking funds 😀. The direct deposit 🏦 didn’t hit because it takes two pay cycles for that to happen, this should be the last time I’m stuck doing this manual process.

Lastly I tried the fresh pizza 🍕 from Walmart, for $6 it was okay. I’ll buy it again but in a much smaller size. My mom gave me two packs of two chicken breast 🍗

Paying down CC9

May 15th, 2019 at 03:42 pm

Just dropped $500 on CC9. I hate saying CC9, I can’t believe I have had and used so many credit cards 🤦🏽‍♀️🙄.

Friday is pay day so I’ll be adding an additional $200 to the card.

I have a ton of family/friends’ kids graduating this week so I had to cut back just a little, my gift fund won’t cover every thing but the good thing is, I’m cash flowing everything. I can’t believe when I created the sinking fund I totally forgot about graduations 👩🏾‍🎓

I went to Walmart and picked up one of their $6 fresh pizza 🍕 with a salad 🥗, I’m hoping that it is pretty good, if so I’ll be adding to my meal plan.

Lastly I’m exhausted, I’ve been working long hours. Tonight is our monthly HOA meeting but I’m not in the mood. Hopefully I won’t miss anything

I think I’m finding contentment

May 12th, 2019 at 07:17 pm

So proud of myself.

One of my friends made the comment that what I was wearing to see Michelle Obama was inappropriate. So with that comment, on my way home from work, I was heading to the mall.

I thought on my way, one you did not budget for a new outfit. Two, what was wrong with what you were wearing? You wore this outfit to a wedding. Three, if you buy something, you’ll have to use your credit card 💳 . So with that, I kept coming home to shower 🚿 and wear what I had decided on. No new outfit.

It’s crazy because those little words from someone who weren’t going to the event could have easily caused me to go into debt. Rachel Cruze was right, often we live their lives vs our own. So many people buy things they can’t afford or want because of someone else’s words.

Another big achievement, was I’ve killed the no spend days this month. I’ve had a total of nine no spend days this month, and it’s only 12 days in. Not to mention, I haven’t dined out for a few days 😀.

Lastly, I had allowed social media consume me and it was late. I didn’t feel like cooking dinner, well late or not, I decided to prepare dinner, so that I have lunch tomorrow avoiding the temptation of spending money.

I’ve been praying for contentment and I honestly think God is definitely working on me.

CC9

May 7th, 2019 at 03:22 pm

So I picked up the estate check dated back in January. Yep January, my 🤬of a brother held onto this check. I personally think he tried cashing it without turning it over. I have until the 15th of May to cash it. Can you believe this?

I’m not going to fret over it. I thank God I got it, I can pay off CC9 💳 ahead of schedule and start the final credit card, CC10. Pray fully CC10 will be done by Christmas and finally for 2020 I can tackle those dreaded student loans👩🏾‍🎓

Praise Report

May 4th, 2019 at 03:16 am

So yesterday I’m at my desk and my phone rings, it’s my attorney. My stomach is immediately upset, because when ever he calls it’s something to do with my idiot brother and money.

Before I share more, let me share with you this. Last week I was at a fund raising event. There were envelopes on the table. I immediately said or heard something say, give a $100. I thought, no you can’t give a $100, you have a CC to pay off. I got the nudge again. Now I’m thinking if I pay the $100 then it will go towards my tithe, but I was still hesitant. Then I heard that voice again and I said, okay God I don’t know what you’re trying to tell me but I will so I wrote the check.

Yesterday was pay day and I paid my tithes as I normally do, not including the $100. I also paid extra on my CC that dropped the balance to $2500.

Well back to my attorney. He tells me that he received a check, made out to my dad’s estate, something about the house. I’m to cash it and split only with my idiot brother since it pertained to the house we inherited, the split amount is about $2500. All o could do was smile. This is the amount I need to pay off CC9 by June. So this coming week, I will pick the check up and cash it and apply it to CC9 of course.

God is so good and faithful. When we are good stewards, He keeps His promises.

Wow 31% of My Take Home Pay Saved!

May 3rd, 2019 at 03:50 am

Today is payday and I was able to sock away $294.80 to the sinking funds, so glad I learned about these, it makes my life so much easier.

I also threw $300 to my home mortgage account. For me it’s easier to save a little each pay date for the mortgage than one big check.

Total saved this pay date is $594.80, not including the HSA, is about 31% of my take home pay. This may be weird to some but exciting to me, this is the first time I actually calculated my savings percentage and I’m exciteddddddddd! When I looked at the percentage, it really put things into perspective. I never thought about how much of my income I should be saving. I mean I knew that I should but never thought about it as a percentage. Just knowing that as I pay down my debt this number will increase. I can’t wait to hit 50 to 60 percent.

In other news, all May bills have been paid except for the dreaded student loan that’s on autopay, so I’m just waiting for the payment to hit.

I paid an extra $165 on the BoA (CC9) card 💳 , knocking this baby down to about $2500. Next pay day I’ll be able to throw a hefty number at this sucker, about $700. Goal is to be done by June with it.

While paying CC9 💳 I noticed I had an available balance of about $8000, I thought that was weird but then I noticed they’d up my available balance to $11,000. Um thanks but no thanks 🙄. There was a time when I would have jumped and scream but I’m like, I don’t know why you did that. Nope, no more using CCs, cash is king and my sinking funds works so much better.

Love Scanning My Receipts

April 30th, 2019 at 05:09 pm

Cashed out $5 from Receipt Hog and $20.85 from iBotta. A whopping $25.85, not bad for scanning receipts and getting rebates on on items I actually need.

I also, used my Humana healthy card today to save on fruit. I’ve had this card since August and never used it. Smh

This weekend, I’ll be crunching numbers to see how things went in April. For May, I’m planning a no dining out month.

Knocked CC9 Down by $500

April 26th, 2019 at 05:51 pm

Today I set up every single sinking fund account I have so that my funds are automatically direct deposited. No more transferring funds on pay day.

Next I dropped $500 on CC9 dropping my total to just over $2600. I don’t know how or when but this baby is going to be paid off by June 30th. I want both CCs 💳 paid off by December of this year and I will start my student loans for 2020.

I’ll be working on my May budget, and it will be a lean one. I’m ready to knock this baby out

Extra Mortgage Payment

April 17th, 2019 at 05:31 pm

I know, any thing extra should be going to the CC but it bothered me that I did not add the extra $25 to the mortgage this month so I went ahead and added it. Habits are hard to break.

I also calculated the mortgage for 15 years, I’d have to pay an extra $300 a month, but won’t be able to do this for awhile

April was a doozy, I knew it would be due to an event that I’d committed to but next month it’s on and popping like popcorn 🍿
Back to knocking CC9 out. The goal is to have paid off by June.

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.