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Thank you for the great advice

May 22nd, 2019 at 03:49 pm

I received my $11 survey check finally. I really wish they would make the funds available direct deposit. But I’m not complaining it extra cash.

Now I’m trying to decide if I should throw the $11 at my EF, CC9 or my Vanguard account. I need about about another 6k to have six months of expenses. Unbelievable, $11 and I’m struggling with this. 🙄🤦🏽‍♀️

I want to say thank you to this group for chiming in on me opening my retirement account. I had heard of the conversation but for some reason I had no clue exactly what it was. I liked the Roth due to the delayed tax but as Monkey Momma pointed out the traditional may be best for me saving on my taxes, especially as I’m paying down my debt. I’ve decided to throw 2% each pay period to the Roth. Once CC9 💳 is paid, I’ll throw 3% to the traditional and 2% to the Roth, since it makes no sense for me to now close the account, unless you all have another suggestion, I’m open. But right now it’s 2% until CC9 💳 is paid off. Once CC10 💳 is gone, it will be 5% to both and any extra cash will be split between both. Once the student loans are gone, hopefully three years, I can drop 15-20% to these accounts.

Other news, last night I hosted bible study 📖 and provided snacks for $13.36. I was able to find reduced produce on sale and used my healthy rewards card, saving me another $1+. I almost spent close to $30 on prepackaged fresh fruit but remembered I’m on a budget and I needed take my time and find the most cost effective snacks. When ever I’m in a rush, I over spend.

I went to a job fair today for my organization, made sure I packed snacks and drinks so that that way I was not tempted to purchase over priced snacks and drinks. I also drove home to have lunch. It makes a huge difference when you pay in cash 💰. I have $20 left in my dining out account and there was no way I was going to waste it, I lost $40 over the weekend, forgot my lunch Monday, and spent $10. So I’m not a happy camper.

Thank you for the great advice

May 22nd, 2019 at 03:36 pm

I received my $11 survey check finally. I really wish they would make the funds available direct deposit. But I’m not complaining it extra cash.

Now I’m trying to decide if I should throw the $11 at my EF, CC9 or my Vanguard account. I need about about another 6k to have six months of expenses. Unbelievable, $11 and I’m struggling with this. 🙄🤦🏽‍♀️

I want to say thank you to this group for chiming in on me opening my retirement account. I had heard of the conversation but for some reason I had no clue exactly what it was. I liked the Roth due to the delayed tax but as Monkey Momma pointed out the traditional may be best for me saving on my taxes, especially as I’m paying down my debt. I’ve decided to throw 2% each pay period to the Roth. Once CC9 💳 is paid, I’ll throw 3% to the traditional and 2% to the Roth, since it makes no sense for me to now close the account, unless you all have another suggestion, I’m open. But right now it’s 2% until CC9 💳 is paid off. Once CC10 💳 is gone, it will be 5% to both and any extra cash will be split between both. Once the student loans are gone, hopefully three years, I can drop 15-20% to these accounts.

Other news, last night I hosted bible study 📖 and provided snacks for $13.36. I was able to find reduced produce on sale and used my healthy rewards card, saving me another $1+. I almost spent close to $30 on prepackaged fresh fruit but remembered I’m on a budget and I needed take my time and find the most cost effective snacks. When ever I’m in a rush, I over spend.

I went to a job fair today for my organization, made sure I packed snacks and drinks so that that way I was not tempted to purchase over priced snacks and drinks. I also drove home to have lunch. It makes a huge difference when you pay in cash 💰. I have $20 left in my dining out account and there was no way I was going to waste it, I lost $40 over the weekend, forgot my lunch Monday, and spent $10. So I’m not a happy camper.

Sunday Updates

May 5th, 2019 at 09:33 am

Today was a good day.
I revised my planner, updated my budget and hit the grocery store. I saved $.78 💰 using my Humana Healthy card 💳 and while out a gentleman paid for my groceries at a different store.

When I was at Walmart, I noticed the customers getting upset. I separate my groceries, household and personal items. I use the envelopes ✉️ system. There was a time that I would feel so bad, now I have to do what’s best. I usually let the cashier know I have multiple orders, maybe I should let the customer know as well as a courtesy.

I went to the gas station ⛽️ and was told about an awards card, I signed up. It was free and you earn points towards gas. I’m a little annoyed because they’re giving you 5x the points for purchases made on Cinco de Mayo and I’m not eligible.

I still have to review April’s spending though 🙄

Outside of money, I made a fabulous breakfast at home, it was a semi brunch that included egg 🍳 , bacon 🥓, toast 🍞, a small salad 🥗 and a homemade mimosa. It was absolutely delicious

Who hoo a extra $30 on CC

March 25th, 2018 at 09:45 am


SO filled my car up today, ⛽️ so what I had budgeted, $30, I'm throwing to my savings on CC4.

We headed over to Target after church ⛪️, I got cubed steak for dinner on clearance, too bad they didn't have any chicken. Meals are based on what's on sale. I headed to Aldi and picked up apples 🍎, grapes 🍇 and paper towels. Aldi has such great deals.

Now that dinner is in the crockpot, I'm just going to relax for a little while. Love Sundays

Grocery Funds

March 13th, 2018 at 03:05 am

I about fell out of my chair when the SO handed me a $100 for groceries. I could not believe it. I've been budgeting about $60 each pay date for groceries, for things I eat vs the house.

I slowed down with cooking because he was basically was not contributing and a ton of food was going to waste. What's good about this is, the $60 I just budgeted, I'm adding to my EF. I'll meal plan for the next two weeks and use the funds he gave me. I guess when you stop complaining and just show folks they get the picture.

Tomorrow I have an interview for a HR manager role, I'm praying that things pan out. One it would be closer to my home, two it puts me in a manager's role and three it's more money. Oops I forgot, the benefits are much better than the crap we currently have at my current employer. Please pray for me.

How I won with money, yesterday? Well I went into the grocery store and only bought what was on my list and that came out to $7.88

Tuesday Ramblings

December 5th, 2017 at 07:25 pm

Proud of myself, the office was having their Secret Santa 🎅🏾 drawing today and I told the committee that I was not participating. They continued to try and get me to sign up but I held my guns and said no.

The boss came in with her 2% raise, I felt like crying but I remembered before your blessing you'll go through something. I said a quick prayer, and felt at peace. This manager is the worst, she had another employee in tears and going to therapy but the company continue to allow her bully others. I'll take my 2% with my head up and continue to look for something else.

Today was not a NSD, headed over to Walmart for a few items. I found these neat little gadgets for $10 for my nephews, for Christmas, but was on the fence. Long story short I had the money for it, already budgeted but purchasing would have left me with nothing left over in the gift envelope. I was telling my sister what I bought, she mentioned she bought them one last year so I can take the ones I bought back. Feeling better. So long as I come under, I can throw the amount that's left at CC3. The goal is to never spend every single dollar in my envelopes.

Oops I failed to mention that the linen napkins have been working fabulously. Not saying that I didn't use a few napkins but far less than my normal consumption. I notice the SO took out a roll, I'm waiting to see what he does when we're out and I haven't bought any. Usually I'm the purchasing, he buys the soap, but those $5 can be thrown on my debt.

DW's Tough Love

November 3rd, 2017 at 07:42 pm

Thanks to DW's tough love I decided not to hit Target up this Sunday. We have enough meat to last this week coming for dinner so no need to go and buy anything. Tomorrow is Saturday so I have nothing planned, I'll create my meal plan based on what I have. Someone mentioned a meatless dinner so I'll be looking for a recipes for at least two nights this week.

I reached out to my insurance company to get basic insurance for my car. It's fairly old but runs really good thank God. I received a quote that will reduce my insurance about $40 a month. I figured I can do this and add this extra savings to my EF (baby step 1) then tackle my debt.

The fiancé wanted to go out to P.F. Chang's after the game tonight. I convinced him not to go. Honestly; I just didn't want to go, I'm tired. When I called to place the take-out order, we were told 30 minutes. He wanted to wait, I said no. First of all for two of us it would have cost at least $60. Secondly, the wait is always long. And lastly the coupon I had for 15% off was for Tuesday, so that's no good. We ended up getting take out for $18 and I made it home to unwind.

As I'm typing this blog I realize there's some household items I'm in need of (e.g. paper towels). I'll have to check prices and coupons.

That's it for me.

Sunday Grocery Shopping

October 29th, 2017 at 07:12 pm

Revamped my budget for only one box of contacts vs the 90-day supply. I'm really struggling with this but I'm running low on a few household and personal items that I need to purchase, I had to add these items to the budget. So it is what it is. For me it's all about sticking to the budget.

Following Dave's plan I have a choice of things to do with what's left over in my cash envelopes. One, fund baby step 1. Two, keep the funds in the envelopes as is. And three (this is my own idea), take what's left and divide amongst all envelopes and EF. There'll be about $60 left, that puts about $8.50 in each envelope and towards baby step 1. I somewhat like this idea since the next two week's budget is super tight and it gives me a little extra in each envelope.

Or maybe I can put the funds towards my sinking fund (Christmas). Ugh the pressure.

I have a change jar, full of change and decided to roll them. Well I was only able to roll about $22.50, I didn't have any holders for the dimes so I'll roll those later. I'm adding the $22.50 to baby step 1. I can't wait to hit step one, so I can start tackling the debt.

Our Target run was okay, we got 93/7 ground beef for $2.89 pound (purchased 3lbs) and 4.55 lbs center cut pork chops for $15.15. I didn't think this was a great deal on the pork chops but I needed to prepare for this week's meals. I did return the coupon organizer and got the $8.55 back. I forgot to scan my Cartwheel bar code, there was 5% savings on both the strawberries 🍓 and the grapes 🍇 . When I went to return the organizer, I got the $0.38 back on the items (strawberries and grapes 🍇 ) . Once I got home 🏡, I realized I didn't get the 5% on the pork chops either, nor did I use my $5.00 coupon. I hate shopping in a rush. The cashier was standing over me, I think she thought I was going to steal one of the items. I use the envelope system, so I pay for things separately. She reminded me, I didn't pay for the item, I told her nicely that I'd be paying for the item separately. Needless to say, l'll head back tomorrow, for both my 5% off on the pork chops and my $5 coupon.

I found out that Target gives $0.05 for every recycling bag used. I'll start brining my own bags. It's not much but hey, something is better than nothing.

We ended up in Publix, BF spent $82. Mostly on things he liked (e.g chips, cookies 🍪, ice cream 🍦). None of the items were eligible for ibotta rebates. I told him that we could get a $1 back on French's ketchup, but he insisted on Heinz. He was annoyed with me because I kept looking for things that may have a rebates, that he was purchasing, so I stopped. It's his money. I did manage to get $0.25 for uploading the receipt. I really wish my fiancé would get onboard with budgeting but he won't. I have told him, that at the rate we are going, we cannot get married. I've explained that finances are a huge issue, for couples and me.

Tomorrow is the day, we go to court about selling my dad's house. I'm just putting things in God's hands, what ever happens happens.

That's it for now.

Just Rambling

October 3rd, 2017 at 12:26 am

So I get home today and CC4 that I have not used in quite sometime, over 6 months, but paying off has been increased my limit to $7,700 (odd number) just before the holidays. 🙄🤦🏾‍♀️

I don't need any more credit card debt so I'll keep the card where it is.

On a different note, I'm loving the envelope system. Dave Ramsey (DR) was right. If you feel money, and watch it leave your hands, you think twice about spending it.

I have about $50 to last me until next Friday, in the grocery envelope . So while I was in Publix, I needed spaghetti. I normally purchase Mueller, but Ronzoni was BOGO. I'm sure you guess what I bought. Not only did I get a BOGO, iBotta has $0.50 rebate, plus $0.25 on pasta; therefore the two cost me $0.84. Not bad. Just the thought of being smarter with my money is awesome.

Target Run: Meal Plan

October 1st, 2017 at 01:13 pm

My meal planning is contingent upon what deals I find at Target on Sundays.

Today, I picked up two packs of thin chicken breast for $2.99 and two packs of three chicken kabobs for $3.99. Not bad, I'm just disappointed there weren't any packages ground beefs on sale.
Target also had grapes on sale for $.99 a pound, bought two pounds.
Fiancé picked up a pack of the Kuerig Folgers coffee for $10. Smh I told him I wanted my $10 back, this is ridiculous when he can get it for far less elsewhere.

This week's meal are as follows:
* Sunday Kabobs with rice
* Monday left overs
* Tuesday spaghetti and meat sauce
* Wednesday lemon pepper chicken drinks with a salad
* Thursday left overs
* Friday - Outback steak house. We have a gift card
* Saturday - homemade pizza

Targeting Run

September 24th, 2017 at 11:48 am

Sundays after church is my trip to Target 🎯. I have decided to buy meat that's on sale and create my meal plan from what I have purchased.

There was 1lb (93/7 ) ground beef for $1.89, this was with the $4 off coupon. The fiancé was with me chitchatting, that caused me to miss the cashier, not taking the $4 off one of the packages, so now I have to go back 😡.

We picked up Tyson chicken, 3lbs for $4.99 and a 12 pack of pork chops for $5.99. I'd say we did pretty good.

Today we started week 5 of Financial Peace University and the topic was on impulse purchases. Of course while in Target the BF made an impulse purchase🤦🏾‍♀️🙄
I explained to him that the extra $5 he spent on candy, we could have applied to the debt snowball.

Hopefully he'll get it

Target Run 🎯

July 27th, 2017 at 02:02 pm

Well I went to Target today to check if they had any meats marked down. Unfortunately they only had one pack of 2lb chicken breast with a coupon and refused to mark the others down. Normally when you ask, they will, since the sell by date is the date of the markdown.

Long story short I got the pack of chicken for $0.33. I couldn't believe it. The chicken was 6.99 then marked down, plus I had a $2.00 coupon and I used the Cartwheel app for an extra 25% off. I'll cut the chicken in half, that will give me a total of six pieces.

Love it!

Target Run

July 2nd, 2017 at 11:30 am

Went to Target today and picked up 2lbs of ground beef for $2.20. I also picked up two packs of chicken that I cut into and packaged into 5 packs of four for dinner. Total cost $10.18, not bad.

I'll be meal planning for the week and hitting Target up next Sunday

Dinner menu

April 19th, 2015 at 04:14 pm

Okay today I decided to create a dinner menu and do my grocery shopping based on that menu.

Here it is:
- Sunday - salmon, rice pilaf, sweet potato
- Monday - spaghetti
- Tuesday - baked chicken and pasta
- Wednesday - left over
- Thursday - baked pork chops and corn
- Friday -homemade pizza and salad
- Saturday - salad and sweet potato

I made tonight's dinner, browned the ground beef for spaghetti that I'll place in the crockpot tomorrow. I went ahead and seasoned , froze both the pork chops and chicken, cutting down my cooking time. All in all, including snacks I spent $74 at the grocery store, not bad. I usually spend about $120 a week.

I'm thinking Sunday's will be my day to create my menus

Ibotta Rebates, anyone enrolled?

January 20th, 2015 at 04:24 pm

I know I may be a little late but I've signed up for the Ibotta app, that apparently provides rebates for everyday purchases. I'm just curious, has anyone else signed up? If so what are your pros and cons?

I find the app to be very user friendly, I've already earned $2.25, can't wait to hit the $10 mark so that I can cash in.

Join my team by coying the link below

https://ibotta.com/r/uuvpoqb

Smiling

March 6th, 2012 at 05:38 pm

It's been about two weeks, and I am loving the new place. It's funny because I hardly ever think about my mom, but I will say this, when it comes to cleanliness, we are just alike.

Other than my BF daughter, things seems to be going well. I'm definitely going to have to work with her and her cleaning habits

I've still kept track of my spending but haven't really been able to sock away anything. When I get my mileage check, I'll add the $114 to the EF

Oh, I almost forgot, I really need to set up a grocery budget, things are getting out of hand. I find myself at the store every week and I really want to go twice a month ( each pay period). So we'll see