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Target 🎯

June 3rd, 2019 at 06:42 pm

I’ve always hated this Target 🎯 credit card 💳. I received a notice that my card would be close if I didn’t use it. It’s been close to two years since I last used it. So I needed to purchase something, and I decided to use this card. Now it’s been three days and the $22 transactions is still pending. I can’t make a payment because, the transaction is pending and my balance is showing zero. 🙄🤦🏽‍♀️

Came home and meal prepped. I made the Panera Bread apple 🍎 fuji salad. Yummy. I’m thinking I should make one of my meals a day a salad, if I wish to get this extra weight off.

Mom gave me a few corn on the cob 🌽 and a package of chicken breast that will make about 3 meals. I’m going to check out a few meals that I can make.

Lastly, I had enough money in my HOA sinking fund to pay two months (July and August) fee, so those are done.

Oops today was a no spend day.

Meal Prep Part II

May 28th, 2019 at 06:04 pm

Today was the first day that I got to use one of my home made meals, I’d meal planned and cooked for the week. I can’t believe how good everything tasted. Even though it was only spaghetti 🍝 it still taste like I’d just made it.

Tomorrow, I’ll have the chicken 🍗 pot pie 🥧.

It felt so good to come home and not have to cook. All I had to do for lunch and dinner was take one of my frozen dinners out.

Now I’m looking for dinner ideas for next week

How do people do it?

May 26th, 2019 at 04:02 am

I go online and I see posts of prom with fancy cars, elaborate birthday parties for kids, big houses, new cars, elaborate vacations and I just can’t help but wonder, where in the devil do these people get this money to do this stuff? I know it’s none of my business but I do wonder.

Seeing these posts, I sit and think 🤔 , I need a new fence, it’s not in dire shape but I know in at least two years it will be time to replace, that’s if I’m not hit with a hurricane. My cabinets are not at their best, but I’m holding on until I can no longer do so. I have the house fund because I know something will give but I just can’t help but wonder how people do it? Their homes are magazine photo ready, they’re on fancy trips, husband buys wife a new luxury vehicle, and kids are having these themed birthday parties.

I wouldn’t say it’s jealousy because I’m sure many are in credit card debt among other things but I’m human so I wonder. I’m often like “when am I going to be able to do something fun?” Things like getting my hair done or nails, I often feel guilt if I do.

I have a friend who buys breakfast and lunch every single day. When I say every day, I mean every day. I throw hints to her that I don’t eat out because it’s expensive. Low and behold she constantly complains about not making enough money 🙄🤦🏽‍♀️. I’m thinking you spend $10 a day Monday through Friday, that’s $50, multiply that by 4 and that’s $200 a month. I’m not calculating the year and you’re complaining. I’m not saying that I haven’t or sometimes I don’t “waste” money 💰 however what I am saying is I’ve become more mindful on what I spend on and I do feel like when? When can I do something and not feel guilty?

Today I’ll be rolling my coins. I went to the bank for coin wrappers, no need in buying any when the banks provide them for free. My SO other was like why don’t you buy them? The time you take to stand in line you would have bought them.

Well I explain to him that the rich don’t stay rich by looking for what’s convenient. I know coin rollers won’t make me rich but why pay for something I can get for free. I’d have to stand in any line anyway, I just chose the free one.

Okay getting off my soapbox

Michelle Obama was Absolutely Amazing!

May 11th, 2019 at 08:25 am

When ever I pay off a debt I celebrate a little. The last two credit card celebration money went to Michelle Obama for her Becoming Book Tour.

Regardless of your political affiliation, you’ve got to admit, this woman is absolutely fabulous. She’s not only gorgeous but she’s smart as a whip.

She talked about having a posse of women who will up lift you when you’re down and who will tell you when you’re wrong. She spoke of listening to our children, her kids, time in the most amazing house in the world, the White House, her dad’s disability, her friend with cancer, you name it she discussed.

It was so worth the money. Uplifting, inspiring, she had us to think about our lives as women and where we see our lives.

Absolutely amazing

Is there an issue with this site?

March 16th, 2019 at 03:52 am

There seems to be a problem with this site. I can’t view my previous posts or its comments. When trying to visit the site I’m constantly getting an error.

I posted yesterday and it’s gone

Catching Up

December 27th, 2018 at 12:12 am

Revisited my budget planner. Noted all bills due on the monthly for January. I’m excited not sure why but I am.

I spent my evening balancing my accounts on MSMoney. I notice the month that I stop tracking was the months I fell off my budget. I’ve set aside Sunday afternoon as my day to enter receipts, update accounts, and plan. I’ve set the alarm to go off that way I have no excuse not to view my spending.

I also noticed that I had deposited and extra $177 to my HOA fund. For some reason I didn’t notice that my direct deposit had went through nor the fact that I transferred the money twice. Smh. Needless to say, I transferred it back and used the money, $141 to pay my light bill. I don’t know why that bill is always so high.

Other news I sold a dress on Poshmark, made $7.55 . This was added to the EF because I had already had the account set up. But I’m changing the deposit to the checking account so that any items sold I can add to the CC debt.

I started Rachel Cruze’s “Love your life not theirs” book, looks like I’ll be done by the weekend it’s a pretty quick read.

Hope everyone had a great holiday

First Mortgage Payment

December 22nd, 2018 at 06:18 pm

Made the first mortgage payment the other day, I only added an extra $25 to the principal. When it comes to this debt thing I have to do what makes me happy. The process maybe slower but t works for me.

2019 goal is to pay off CC9 by end of March. I’ll be adding extra to the CC next Friday. I realized that I can’t get this card down because it’s the only one I have not taken out of my purse, so out it goes.

Other news Christmas is my least favorite holiday, it’s the gift giving that gets me in a tizzy. I was able to set a little aside this year, for the first time, and it worked out. I told my SO not to buy me a thing. I’m not buying him anything. Only my nephews.I spent $80 on two of them and wasn’t really happy about that. My oldest nephew, he’ll get $50 bucks. My mom a $20 gift card for her nails.

Speaking of my mom, the woman drives me crazy. She’s complaining that she has four kids and she should get at least $400 from us for Christmas. I haven’t had a Christmas gift let a lone a card from this woman since my freshman year in high school and I’ve been out of school for 25+ years. I simply told her no.

Today was a no spend day, washed my hair at home so I added $45 to CC9.

Tough Love From My Saving Advice Followers

December 14th, 2018 at 02:43 pm

I hate the tough love that you all give me but hey, you’re more financially stable than me so what do I know.

Right now I have about $8,000 in my savings. It’s not on the sidebar. I’m truly OCD about having money saved just in case. It’s money I just don’t touch or look st. I actually had the funds in a bank account at least a hour away. Today I closed the account and deposited the money into my account that is close by.

Why? Well to pay off CC9. But I’m nervous as hell. I don’t know if I can do it. I know I should but I’m absolutely freaking out. I just ay this CC off my left with about $2k to my name.

I’ve been let go twice and both times I was able to manage with my savings. I am absolutely afraid. Especially now that I have a mortgage

Mortgage Sold

December 12th, 2018 at 07:58 pm

As suspected the mortgage was sold. I’m so glad I did not send off my first payment. Thanks to everyone who encouraged me to hold off.

Now that things seem to be settled, I’ll be sending off the payment on Friday with an extra $100 on the principal.

I still haven’t received anything from the HOA so I’ll reach out to them on the 20th.

I received a letter from the insurance company that the ORI B wasn’t signed, not sure what that was, calling them as well.

And I still haven’t received the homestead information as of yet. 🤦🏽‍♀️🙄

Mortgage Payment Help

December 2nd, 2018 at 02:25 am

I have the funds to pay the first mortgage and I’m anxious to do that. My only concern is that 9x out of 10 the mortgage is going to be sold. Should I wait until the 15th of December (due January 1st) to pay it or just send it off now? I believe in paying the bills as soon as they come in and when you have the money. I can actually pay both January and February with a extra principal payment as well.

My mortgage processor informed not to setup auto payments because it would be sold. My sister used the same company and they sold her mortgage to Wells Fargo

Update

September 28th, 2018 at 05:11 am

So I’ve been socking cash away for some time to pay my car insurance for six months and to save for car repairs. I’m tired of paying monthly.

Well last week I decided to pay the insurance for three months. I’d struggled with this ( three months vs six) but I said hey just to do it. Something told me to pay only three months, it was like a nagging bug 🐛 .

Fast forward, the car broke down last night. I needed a new battery and a motor mount. I’m so glad I kept half the money saved in my sinking fund. It also felt good not to touch my EF. Though the sinking fund has decreased I’m overwhelmed with joy that cash was paid and no CC was used.

Different note, the judge awarded my brother the opportunity to purchase the house, we are scheduled to close Friday but I think it’s going to be pushed back. My attorney, smh. I don’t even want to talk about it. At least I know we can close and be done this mess. I can’t wait to get this over.

Feeling Sad

July 4th, 2018 at 03:29 am

I’m a conservative, republic on paper. I believe in little to no government interference, I’m pro choice, pro gun and at one point, pro immigration, meaning send folks back. Border wall was and still is not an option for me. I also believe that church and state should be separate.

With that being said, honestly I am so afraid of what I’m seeing/witnessing in this country. The Republican Party that I once knew seems to be no longer. Our national debt has hit 26 trillion dollars for the first time. I’ve been trying to save, because I’m so afraid of what might happen.

The topic of immigration has been on every single newspaper cover and every station for months now, daily. Though my family traveled to this country over 50 years ago, “legally,” I felt as though everyone else should or send them back. I was born here.

Some where down the line over the last few months my heart has definitely softened. What if my dad hadn’t decided to come to the US, what would my life be like? He wanted a better life for his family, what’s wrong with that? Who wouldn’t risk their life for their children? I have no kids, and yet, I’d give up my life for my 5 year old nephew. It breaks my heart, to see people treated so badly, simply because they’re immigrants or thought to be. The comments on the news blogs are just outright disgusting

Being African American I’ve been turned down for promotions, paid less than my colleagues with less education and experience, followed while shopping, harassed by law enforcement because I look suspicious, asked deeming questions about being black, and you know what it hurts. It hurts really bad.

I read posts and people say, “get over it slavery ended years ago.” Well honestly it didn’t. Everything I listed I’ve been through and more is a part of the slavery mentality, away to oppress a group of people. I just can’t imagine what the Hispanic population must be feeling and experiencing right now.

I know that these blogs are about money but for some reason, I’m extremely sad today.

Independence Day is a day for us to celebrate our freedom and yet so many of us are still in bondage.

Smash and Grab 🤦🏾‍♀️

May 27th, 2018 at 05:57 pm

Today the SO and I went out, I'd budgeted $20 for some things for my new office. I'm in need of a rug, a broom and a swiffer.

I went to the dollar store and bought a mini duster and a broom. I wish the office had carpet. But I'll get the swiffer from Walmart.

I normally don't do much to my office or space at work because I'm always afraid of a layoff (3x already) but for some reason I really feel good about this place. I bought a few picture frames, because I want to add a few quotes to remind me how blessed I truly am. Gratitude is my 2018 word of the year so I'll definitely be adding this one.

Anyhow we were out and about looking for a rug. We went to an outlet store and I was feeling a little dizzy so I sat down. Next thing I know the store alarm is going off. I think, oh the cashier forgot to remove the tag. Well that was not the case. There was a smash and grab, smh.

I couldn't believe that I had actually saw someone running out of the store, jumping into a car with an armful of stuff. I only got partial number of the tag of the waiting car, and I'm not even sure that was right. I shared it with the cashier, sat there for a minute because I just couldn't believe what I'd just witnessed. All I could say was what is wrong with people? This was really disheartening.


Prom, Birthday Spending

May 26th, 2018 at 05:55 am

OMG these sweet 16 birthday parties are outrageous, right along with prom. I don't know if it's because I'm broke, or that I'm conscious about my money but what I see these parents spending on their kids is absolutely ridiculous.

Rolls Royce, Maybachs, horse and carriages, a Mercedes for a 2 year old, I can't even imagine. Everything is a theme now. It's not for me to say how someone spends their money but I just can't help but wonder, how much debt these folks are in.

Today, I'm going to review my budget, my April spending, and balance my checking and savings account, then finish up my May book. That's my fun Memorial Day weekend.

Overwhelmingly Obessed with Finances

May 22nd, 2018 at 06:47 am

I realized that I'm super obsessed with my finances and where I think I should be. It's to the point where it has taken a toll on me.

Yes I've made some mistakes but so long as these mistakes are acknowledged and I'm taking the proper actions to correct, I'm not sure why I am obsessing over it.

I wake up, check my bank statements, read the DR blogs, over and over. This cannot be healthy.

As another blogger posted here, I need to focus on one thing and that is paying off CC5. Goal is to have it paid off by the end of July.

Other news, tonight I'll be having tacos for dinner. Pretty cheap and easy to make.

Tomorrow I start the new job, I was a little nervous but I'm super excited now. I think that I'm finally in the right place. I have my degree in Human Resources but my focus has been benefits, this position is a HR manager's role. It's for a not for profit about $3k more than my old employer, same distance. We will see but I'm definitely going in with a positive attitude.