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EF, SO Mother and My Health

July 21st, 2019 at 04:59 am

Added an extra $73.98 to my EF to bring the balance to $4,300. So excited. I kept the other extra $100 in the checking account until pay day on Friday. Seems like the checking cushion dropped a little and I don’t like when it’s less than $300.

I’ve been missing church, because I can’t stand going to my SO mother’s home afterwards. I know it’s no excuse but I absolutely hate going there. She’s not in the best of health so he goes to check on her, and rightfully so. But the house is a pigsty 🐷 , old food everywhere, dirty dishes 🍽, over flow of garbage 🗑, you name it, it’s there. Though she can barely move, (even when she was healthy, the house was a mess) his daughter (16 y/o) and neice (30+ y/o) lives there and won’t clean up 🧹 . It’s disgusting. I don’t know how anyone can live like that. Out of all her siblings, her house is the only one that is a mess. I won’t even eat 🥘 from the woman.

My health, I saw the doctor yesterday for my lab results and my cholesterol has creeped back up. Also my vitamin D is low, strange with this one, I live in Florida 🏖. She did tell me that Floridians tend to have low vitamin D because we avoid the sun 🌞 like the plague, due to the heat, and she’s right. Anyway I’m trying these vitamin D gummies, and will cut out fast food 🍟, thats my issue. We also think we found the issue with my night sweats, my birth control pill 💊. Since I’ve switched I really haven’t had any issues. Thank God

That’s it for now I’m going out for a morning walk, I lap which is two miles. I’m going to try this daily until I can do four miles

Sinking Funds, Do You Have Any?

July 20th, 2019 at 02:39 pm

I’m so happy to have learned about sinking funds, they’ve really made a difference in my financial life.
I use to keep a separate account for medical expenses, then I learned about HSA, it’s money I can contribute pre-tax, that rolls over, from year to year. Not to mention it’s also a way to save extra for retirement for those who are financially sound.

I ended up closing my Capitol One 360 account and started contributing. Though my medical expenses are low, I’m trying to build this account up to at least meet my deductible. I have a ways to go, but hey. Anyway, I saw the doctor today, labs were decent but my vitamin D was low, and my cholesterol is trending up. The copay was $30, it felt good to use my HSA funds and not have to worry.

Sinking funds have been a life saver for me. Though they’re not where I’d like for them to be, but it’s progress.

Just curious, how many of you have sinking funds? If so, what are the accounts that you have (e.g. Christmas, auto)?

Bumping the EF

July 16th, 2019 at 12:43 am

Yesterday I walked over four miles and today I am paying for it, my legs are killing me.

The tenant made his rent payment so I’ll be adding the last $850 to my EF. That will bring the total to $4,226. I still have to add another, hmm 🤔 I’d say about $200 to this as well. This is also the last month that SO will pay the mortgage and I can add the $965 bringing the total to over $5,000. I’m so thankful that I was able to build this back up as quickly as I did.

I checked my cash envelopes ✉️ and have $60 left over 😁. I just kept the money in the envelopes. I did budget $115 this budget cycle for hair care but I’m reducing this to $40 and putting the rest towards the EF. I got my hair cut so I can try and do things myself.

Upped EF

June 29th, 2019 at 04:08 pm

Just wrote a check for $$361 and $1200 to the EF bring the balance to $3,517.94. SO paid the mortgage, so I was able to dump my funds to the EF. Mid July I’ll be able to throw $700 at the EF when the tenant pays his rent. So I’m back on track. One thing I can attest to is when you don’t have debt and an emergency hit, you can quickly rebuild your emergency fund.

Other news, meal prepping is definitely making a difference on my grocery bill. Tonight. I’ll prep, chicken parmigiana (my first time) and spaghetti 🍝. For July I’m opting for no junk food, I’ve packed on a ton of weight. I’m also doing the no dining out challenge.

No Luxury Hand Bag For Me

June 2nd, 2019 at 07:12 pm

So my friend just bought a new luxury bag. This is the same friend who told me to change my outfit for Mrs. Obama’s book 📚 tour 🙄🤦🏽‍♀️. Anyhow she’s complaining that her student loans were in the 30s and now it’s in the 100s, she’s five years in since her last payment and she’s waiting her 20 years for loan forgiveness. Actually she wasn’t complaining she was quite content with it. Um okay 🙄🤦🏽‍♀️

I told her as much as I would like a luxury bag, my priority is to pay off my debt. Makes no sense to have a $1000 hand bag 👛 with $2 in it and my net worth is a negative $180k. I’ll pass.

Meanwhile, I got an extra $125 from the SO, I have to buy a ticket for a fund raiser event, I was going to cash flow (already budgeted) but since he gave me the money, I’ll use what he gave me, and the remaining will go to CC10.

Today was the first day that I drank a total of 66 ounces of water 💧. I’m so proud of myself. I’ve had it on my list of goals to drink more.

Flu = Detoxing

May 8th, 2019 at 05:25 pm

I’ve been down with the flu for a few days. My doctor’s office called me on Monday to cancel but I was out for the count and didn’t check my messages. This week has been a tough one.

I treated myself (cash) to see Michelle Obama on Friday and now it appears as though I may not be able to go. 🤦🏽‍♀️🙄

I sat in a hot bath with apple cider vinegar (something I read online 🤦🏽‍♀️🙄) lavender and epsom salt 🧂 for three hours, detoxing, I do feel more relaxed but I’m hoping I feel better.

Today was a no spend day so I’m good with that.

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.

$1,000 at the Dentist Ugh

July 27th, 2018 at 03:54 am

Yesterday I saw the dentist and this cracked tooth is going to cost me $1,000 ugh. I had to pay half yesterday. It’s the crown on the implant that cracked. The crown was about 9 years old. This really annoys me. I took the money out of my EF. I’m just glad that I continued to add to the EF. Thank God.

Yesterday morning prior to my dentist visit, I almost paid the $264 left on the credit card (CC5) to zero it out but for some reason I didn’t. I still want to, though. The money in the EF is just that an emergency fund, so I should use that for my tooth and get rid of this dog on credit card that’s giving me a headache. But a part of me is saying use the $264 towards the tooth. Smh 🤦🏾‍♀️

Other news, I have been extremely busy at work. I usually don’t leave until about 7:30 at night. It’s a good busy, I love what I do but they keep me on my toes. I’m excited to have finally found I job that I like, with a great boss, and the ability to use my education.

Crack Tooth

July 15th, 2018 at 09:33 am

Well when it rains ☔️ it pours.

Yesterday I was eating breakfast 🍳 and cracked a tooth. Smh.

I’m not scheduled to see the dentist for a cleaning until next month but now I have to get in earlier than expected. I’m really hoping this crown isn’t expensive. Thank goodness I’ve been socking away for an emergency 🚨 as well as medical expenses.

So far I have about a $100 in the sinking fund for medical expenses so I’m sure I’ll deplete that. What sucks is I also have an eye appointment on the 30th and that’s $110.

Prior to the crack tooth, I’d paid $200 on CC5 💳. Had I known I would have not made the payment.

Though I’m upset about having to spend the money, I’m glad to have the cash 💰.

Health Insurance Savings

April 8th, 2018 at 03:38 am

Last year I was an idiot, I did not complete my healthcare activities to earn the $25 credit with my employer and I'm the benefits administrator, smh.

Well this year, I decided to complete and I earned my $25, so I'll be paying $12 a month in health care. Though the insurance sucks, $5,000 deductible, and $10k out of pocket maximum, I'm happy to have the savings. I opened a medical account so each pay period, I'll deposit the extra $25. Next year I'm switching to the HSA plan that way I can save and roll over from year to year.

Contacts

October 27th, 2017 at 07:08 pm

Contacts
There was a time when I'd buy something and be done with it. No shopping around or comparing prices. I think the only time I'd do this is if it was an item such as a tv or laptop. Now I find myself always trying to get the best deal.

It's time for me to renew my contacts, Target only carries the 90-day supply for about $60 in the store and $84 online, smh. Walmart has the 30-day, for about $35. I decided to check out Walgreens and theirs is on sale with a coupon code for $60. The good thing is I can order from the comfort of my home and have delivered vs going into the store such as Target, waiting and ordering for essentially the same price. Not to mention picking up other items I don't need.

I took a look at the numbers, I'm doing pretty good with out spending. This month was a killer with birthdays, weddings and going aways 🙄🤦🏾‍♀️ but for the most part, I'm still wishing my budget (most lines items any). I have about $145 left in my cash envelopes, that's good because next pay period is a really tight budget. I'm thinking about moving some things around such as the contacts, and ordering a 30-day supply from Walmart while allocating the extra $30 not spent for a few household items I need. It sucks because the 90-day comes out to about $20 a box. Decisions.

We received a call from a friend, she's planning a couples retreat and want us to tag along. I initially said tell me when and the cost. After hanging up with her, I'm more like even though it's something we budget for, I'd rather see that money spent on debt. Especially after I've reviewed my CC debt, what I've paid in minim payments and interest thus far😡. So I'll let them know we're not interested.

I'm looking forward to my sixth week of zero balance budgeting. I'm so glad that I've been sticking with it. This last go around was tough but I got through it. Funny thing is, I'll have an extra $33 dollars left in the bank that I can transfer to my EF as a part of baby step 1. Last week I thought it was $55+ now I realized it's about $85 total 😀. One thing is true, when you're an obedient server of God, He will always bless you with your needs. Something told me to sign up for this Dave Ramsey's class and I did. I also decided to stick to the plan and now I have over $200 left from a previous check, and all bills paid, it feels great!

Sick

December 29th, 2016 at 06:03 pm

Today was the day that I was to enter in my end of year receipts and update my financial registers so that I'm ready for 2017, and yet I've been stuck in the bed with the cold/flu. This really sucks, I wanted this completed before Saturday. Hopefully; tomorrow will be a better day.

I used a few home remedies such as Vicks and cerasee tea, I no longer have the sore throat but I can't stop my nose from running. Needless to say I feel a little better but I hope I'm able to complete some things tomorrow.

Oral surgeon

March 27th, 2013 at 06:03 pm

Saw the oral surgeon today and was told I had a dry socket, that's what was causing the pain. So he packed it with something and I'm suppose to go back tomorrow. Feeling a little better.

He also told me he may have hit a nerve, that's where the numbness and the feeling of swelling is coming from in my tongue. The good thing is I have some tingling and haven't lost my taste buds so in a few months I should be fine.

Prior to my visit I had already researched the tongue situation and this is very common, the only problem is healing can take anywhere from 6 months to two years.

I've been in so much pain I haven't been keeping up with anything, hope I feel better by the weekend.

Oral surgeon

March 27th, 2013 at 06:03 pm

Saw the oral surgeon today and was told I had a dry socket, that's what was causing the pain. So he packed it with something and I'm suppose to go back tomorrow. Feeling a little better.

He also told me he may have hit a nerve, that's where the numbness and the feeling of swelling is coming from in my tongue. The good thing is I have some tingling and haven't lost my taste buds so in a few months I should be fine.

Prior to my visit I had already researched the tongue situation and this is very common, the only problem is healing can take anywhere from 6 months to two years.

I've been in so much pain I haven't been keeping up with anything, hope I feel better by the weekend.

Maybe I should not have

March 24th, 2013 at 02:26 pm

Okay before I start my new job tomorrow I took a week off to have my car repaired and my wisdom tooth extracted.

Now I'm thinking I should have left the tooth alone. It wasn't really bothering but when ever the temperature dropped I felt a slight discomfort. Long story short I'm still in pain and swollen. The pain has decreased someone, no need for a pain pill, but the swelling is driving me crazy. Tomorrow would make one week and I'm scheduled to start work. Ugh! How long should this last?

Calling the oral surgeon tomorrow