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December 1st, 2019 at 03:43 pm

December is here, I can’t believe it.

Yesterday was a relaxing day, with a little activity. I switched out my fall decor for the Christmas decor, I’ll be finishing up decorating my Christmas tree 🎄 today.
I also did a little holiday cleaning, have to finish this up today.
The red decor will stay up until Valentine’s Day.

This morning I finished up my monthly consulting report for my side hustle, and created the invoice. This month I’m billing for $1300, $400 will go towards the training and I will make a total of $900. This is an extra $100 on top of my normal consulting services. The trainer charged me $400, I charged $500. I’m also going to let the owners know, that I’m interested in other opportunities in case they know of any other small businesses that will be needing my services. I also told my friend who is an accountant, he’s the one who got me the gig.

I’ll say this, I’m glad I got the laptop for the side gig, it really helped me out today.

Later today, I’ll review my November budget.

Hope everyone enjoyed their holiday.

Friday Ramblings

November 29th, 2019 at 10:26 am

I’ve been wanting a laptop for personal use, then that want turned into a need when I got the consulting gig.

I went into Walmart today to get $5, Christmas PJs for my great nephews, a tradition, and a tv 📺 for my mom, she was to pay me back, I didn’t get the tv, Walmart was out. Well low and behold Walmart had a HP laptop 💻 for $149. I checked the specs and the reviews while in the store and they were pretty good, so I purchased it. I didn’t need anything fancy, just something I could take along, type notes, track things etc. This laptop will come in handy for my site visits to the facility for sure. I was told I could use this purchase as a business expense. I’ll have to check with the accountant since I’ll be using it for both personal and business, primarily business though. I’ll also have to adjust the budget, rather than paying $730 on the CC 💳, I’ll be paying $581, since I bought the laptop.

On a different note, yesterday was pay day 💰 I was surprised to see my money hit the bank on a holiday. I paid bills, the minimum on CC10, I’ll be adding the extra payment next week. I entered my student loan and car insurance payments into the registry, so that I have a better idea of my balance.

Things are a little crazy but hey, over all I had a good holiday.

Hope everyone had a great holiday.

Happy Thanksgiving

November 28th, 2019 at 04:22 pm

Happy Thanksgiving to my favorite frugal family, Saving Advice Bloggers.
🦃 🍁

Electric Bill is In and It’s Down

November 16th, 2019 at 10:36 am

I love having the ability to track my electric bill daily, it helps me to manage my usage.

Yesterday was closing and I was at $69, I figured by time the bill generated today it would be about $72. Well I logged in and the amount due was $71.84. Yay!

On average I think the bill was about $130 a month. When SO other left, it was August and that bill was $158.67, the bill has consistently decreased since he left. I’ve seen about a 45% decrease. Honestly all my bills have decreased since he left, water, electricity, cable even my food and household items purchased have decreased. Though we lived somewhat like roommates, he cost me money. Honestly, though we remain friends, I’m glad he’s gone. That’s a different story.

I can’t wait to see the bill next month. I’m in Florida so we don’t have much of a winter ❄️; however, there are days in that it’s nice and cool and I can open my windows vs using the AC.

I’m considering a timer ⏱ for my water heater. Unfortunately, after I YouTubed how to install, I think I’ll feel more comfortable with an electrician installing vs. myself. I’m also considering a smart thermostat for the home.

Guess What?

November 13th, 2019 at 11:33 pm

Guess what? I may have an opportunity to pick up another consulting gig. It’s a smaller company, and I will be their virtual HR practitioner. Because it’s a smaller company, and I won’t have to go in, I’d charge $200 a month. I pray I get it. That would mean an extra $1,000 a month total.

Other news, I’ve told my sister to stop calling me about things that are on sale, well she called today about QVC’s special value, a Roomba 🙄🤦🏽‍♀️. I just told her okay and hung up.

I’m so glad that I’m in a better place with my finances.

Today I did dine out, $8.51, I just felt like Mexican food and I was tired of eating the left overs from Sunday. I’ll freeze the rest of the leftovers tonight

Happy Veterans Day!

November 11th, 2019 at 11:05 am

Happy Veterans’ Day to all who have served.

Consulting Check Came In

November 8th, 2019 at 01:07 am

Received my first consulting gig payment today, $800. I’m so excited. My mind is all over the place on what I should do, save, debt, retirement. I realize that I really need to stay focus.

I decided to deposit the funds into my savings account and not touch it. One, my legal situation with my brother hasn’t been finalized as of yet, and the goal was to beef back up the savings to at least 3 months of expenses before I tackled the debt, gazelle intense. So the key is to focus.

I’ll stick with bumping the savings, plus I’m not sure how consulting will impact my taxes.

I was playing around with the MSMoney Software and I can track so many things regarding the consulting gig. I can track projects, mileage, invoice and document payments. I was worried about how I was going to account for these things. Feeling great about this.

Other news, things were crazy at the office, I ended up missing lunch and buying a $3 slice of pizza 🍕 on the run 🙄🤦🏽‍♀️

I sat in on Vanguard’s webinar EFT vs mutual funds, I think I’m more confused than I was prior. But I’m determined to learn more about investing

Tuesday Updates

November 6th, 2019 at 03:30 am

Day three for me and it’s been a no spend day. I also stayed away from sodas today 🥤 😃.

Regarding the consulting gig, I’ve managed to crank out three policies and a non-compete agreement. Thursday I go in for my weekly check in, hopefully things will go well. I’m keeping a spread sheet of my time, and mileage.

Friday, I have a HR conference, and looking forward to it. One, I always love learning, and two, I just need a day out of the office.

Health news, I finally got my mammogram done. For some reason I kept forgetting about this 🤦🏽‍♀️🙄. My employer has a wellness program, I received 400 points for completing the mammogram. I’m hoping to earn enough points to get an Apple Watch ⌚️. Right now I have a total of about $225 in gift cards in wellness credits, and $50 with Fetch. Not bad.

Property Taxes, Insurance and Escrow

November 2nd, 2019 at 08:09 pm

Ugh received my tax bill and it’s $2,000, the ad valorem crap that’s on the invoice, I voted no on before I owned a home. It ticks me off that people don’t educate themselves before voting on things. That’s a different topic.

My insurance renewal came in at about $950, not bad compared to other rates.

Now when I check my escrow account the balance is about $4200, so it’s obvious I’m well over. Now I need your help. Given this years taxes and insurance is about $1200 less than estimated. What should I expect? 1) will I get the money back? 2) Will it rollover to next years and my monthly payments reduce? Or 3) I’ll receive a refund, and payment will still reduce?

Next I have an event tonight, I’m wearing a dress in my closet. My sister calls to tell me she found me a jumpsuit. I tell her I don’t have the money and I’m wearing my dress. She insists on buying and I pay her back. I told her no. What is wrong with people?

Cable Credit, Finally

October 30th, 2019 at 02:17 am

This has been a great week. First I got the consulting job, next I received the credit, finally, from At&t for the cable boxes, now I have a $6 credit. Now that the AT&T issue is resolved, I’ll sign back up for auto pay.

I adjusted the budget for next month, since I don’t have to pay anything for cable, super excited about this. $71 saved

I Got The Job

October 29th, 2019 at 01:02 am

Praise God, I got the consultant job. I’ll bring in an extra $800 a month. The good thing is that I will not have to reinvent the wheel.

Plenty of the things they need, I have in hand.

I’m both excited and nervous

Sunday Updates

October 27th, 2019 at 07:27 pm

I see that Vanguard is hosting a webinar that will discuss the difference between EFTs and mutual funds. Someone from a Facebook group posted, so I’m registered. I want to learn as much as I can about these two options.

I can’t believe that the year is almost up. I’ve started searching for a new planner for 2020. Planners are so expensive these days, but the right one definitely keeps me focused, productive and helps me to remember things. I use a planner for work mostly, I also use to track personal appointments and spending. This coming year I want to add my budget and word of the year.

Yesterday, I relaxed. I didn’t do a thing but ran to the store for a few hair care products.

As I’m typing out this blog, a friend called. He’s an accountant for small businesses, he has a client who is in need of a HR professional, so I offered my consulting services between $500-$800 a month. Pray fully this would work out. If I can get the extra cash, I’d throw all of it at my debt. Pray for me that this works out.

Things To Do Today

October 19th, 2019 at 01:04 pm

Today is going to be a little busy.
I have to review my spending, budget and update my cash envelopes.

Later I meet a few friends for a late lunch.

I also need to put a few loads 🧺 into the washer.

The item I sold on Poshmark, received 5 stars ⭐️ so I earned $4.05.

Lastly, AT&T finally sent me an email that they received their cable boxes. My account has yet to be credited. So I contacted them, apparently, the items were received and I’ll get a credit next month. I made sure I got in writing that my service would not be disrupted. I’m saving for a modem (?) internet box, so I can return their box to them. That will save me $10 a month.


October 15th, 2019 at 02:09 am

I think we fixed the dryer. SO came over and helped me remove the hose thingy from the dryer. We caught the devil but got it. I was surprised to see there was no blockage, we did however recover a tea light candle.

We turned it on a few times and it started to get hot. We will monitor it.

I was at my mom’s prior to heading home and my uncle was there, I’d mentioned the dryer and guess what he has one. Praise God, I won’t have to buy one. I’m so thankful.

Other news, today was a no spend day. I also walked over 8,000, surpassing my goal.

Dryer is Out

October 13th, 2019 at 10:49 pm

So my dryer is not drying 🙄🤦🏽‍♀️. I have the cash to buy another but I’m waiting. I’m going to unscrew the vents and see if there is any blockage. When I Googled the issue that was what came up in the search. I pray this thing is not out and that a simple vacuum will help. I really don’t want to spend any cash.

If I have to buy another one I’ll be looking for an energy efficient one. My dad use to go to this used appliance place, I’ll check them out this week, I’m hoping to find one for no more than $150 but the most I’d go is $200. I’m seeing dryers for about $375 to about $800 for new ones.

Other news, I always get these Victoria Secret coupons for free undies, that I never use, why I don’t know. So tomorrow I’ll head into to VS and get my free item.

I went up in the attic and finally retrieved my fall decor.

Is there an issue with this site?

March 16th, 2019 at 10:52 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