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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

Trying to keep up

November 29th, 2012 at 05:16 pm

Who said eating healthy while making lifestyle changes would be easy?

I saw the doctor a few months back and he advised me I was borderline for high cholesterol, not to mention all the back problems I've been having.

So I decided to change my eating habits and workout more, I must say I have seen some improvements.

Today I worked out using my weighted hula hoops as well as hitting the gym which allowed me to add $2 to my challenge.

Furthermore, I did not eat out so $6 was added as well.

Lastly , today was a no spend day Smile so another dollar was added.

All in all I saved $9 today, $6 of it went towards debt (CC1)

Tomorrow is payday and I have $57 left in my "what ever I want to do account." This time around I can't add it to debt or any to my IRA because the BF is short this month for his portion of the bills. I may as well hold on to it vs. transferring money from the EF later.

Well that's it in a nutshell.

Feeling terrible

November 26th, 2012 at 03:39 pm

I thought I was over this cold/flu but it looks like I wrong. It came back with vengeance.

I feel absolutely terrible, weak, stuffy etc. you name it I have it.

On a different note, I had breakfast and lunch at home so I was able to add $4 to my challenge (CC1 debt). If I have dinner at home I'll add another $2

MRI Results

November 18th, 2012 at 08:37 pm

Received the results from my MRI and it was negative. The doctor stated sometimes it is mechanical pain( ligament) and that maybe pain management physician could help.

I decided to continue with my home excercises and a TENS unit that seems to be helping. I believe I found the culprit, that is my job

My job requires a lot of driving for long periods,lifting, pulling etc. I am a volunteer coordinator. Up until last Thursday I was feeling better but when I loaded my car up the pain flared up again. So I'm in th process of looking for another job.

On a different note I'm back at it, living frugally. I told the BF and hopefully he will be on board, he says he is but we will have to see.

Wow where does the weekend go?

January 8th, 2012 at 02:04 pm

Friday night I was drained , I hit Wal*Mart up for a few personal items, came home and crashed. Yesterday, I went to the dentist spent $100, which I will get back from my FSA, got 1 set motor mounts installed ($25.00), cleaned my pool, and then date night with th BF to the Improv, which was a disaster.
Regarding the Improv, I personally did not want to go but I must admit that it was a nice outing at first . There were three couples, usually when I go out with other couples the bill is split amongst the couples. Well the bill came and I made the comment to my BF to simply split the bill, long story short he was upset because the bill was $191 and he paid $80 which was more than the three way split. But what frustrated me was he was trying to blame me. Huh? First of all I did not want to go. Second of all if you didn't want to split the bill you ask for a seperate bill, secondly if you had split it three ways it would have been $63 or you could have simply paid for us which came to about $50 with tip. If you can't open your mouth then I feel like you wanted to spend the $80. His reasoning for spending the $80, well his cousin gave $80 so he did which left the couple who ate the most with a $31 bill and if I'm not mistaken their bill was about $80+
Moving a long, just needed to vent. Today I went to spin class which was awesome! I bought a gel seat for the bike and felt so much better, I cleaned my room which was a must, washed and colored my hair ($35 saved) and now I'm getting ready to fill my car up and vacuum the inside. That will be it for me.
Wednesday we leave for our trip to Alabama Smile and I made it clear I'll pay for the room, BF will pay for the rental car.

New Year

December 30th, 2011 at 09:12 pm

As the new year approach us, I haven't really thought about what I'd like to accomplish for the new year, but here it goes.

-Pay off auto loan (Balance $1700)
-Pay off 3 CCs (Balance $3500)
-Move (I really want to be in my own place by the end of the year)
- Save an additional $1000 (EF)

I think if I keep my goals at a minimum, it will be less stressful and much easier for me to accomplish. Yes, I have more CC debt than listed but getting rid of the first three earlier in the year will make it much easier to pay off the others.

Moving forward, the Heat won tonight so $1 was added to my challenge/EF. In addition, I had lunch, breakfast and dinner at home so $6 was paid towards my challenge/cc debt.

Lastly, I purchased some really nice Gucci frames today. I always wanted really nice glasses. Anyway, I had about $306 in my Eflex account and my new glasses cost $305. I actually make no contributions to my Eflex, all funds were supplied by my employer so my glasses cost me zero dollars Smile