Well the bag I bought yesterday is listed on Ebay and hopefully some one will buy it. I bought it just because and now I can not return it one of those heat of the moment purchases. Keep your fingers crossed

Just wanted to wish everyone a Happy Thanksgiving

But I have to note the things that I am thankful for:
-Roof over my head
-Food
-Family/friends (including you guys)
-My health
-Money saved so that I am not living check to check
-clothing on my back
-my jobs
-my education
-transportation to get to and from, and
-Electricity and running/clean water
-God who watches over me

Just a reminder to every one, don't forget to change your clocks

Just wanted to wish every one a safe and Happy Halloween. We are expecting a lot of rain from Noel so I may not get to see all the kids

I have been so busy like a little bee. This research class that I am taking is wearing me out...driving me crazy. I have not even updated my challenge. Unfortunately I am afraid to look at the amount of money spent dining out this month, because I am so busy with this class I hae eaten out, on the run almost every day this month

I just noticed that ING has dropped their rates I thought this is strange I am making less money than last month on a daily basis. So go back and review my statements compared to my online on and sure enough they went from 4.50% to 4.30% I guess I should not complain since they are paying more than my local bank

I really need to keep up with my account balances or back them up. Some kind of a way my checking account was over by $607 I have no idea how and I could not remeber my balance (I do balance manually once a week). I think if I keep up with it here when ever there is a change I will be better off. I was able to balance (well come up with the correct balance) but was unable to find the error. I never balance on the computer (everything is written ) and I tried it for the first time (on the computer) which I think screwed up everything causing me to be over, but atleast it is taken care of.
Anyhow, yesterday was payday and I paid all bills that was due by the 15th and socked away $190 and still have $335 left. So I guess I am doing pretty well

I finally cancelled my early nights and weekends (7pm-7am) with my cell phone carrier which was $8.99 but after taxes it came up to about $17 extra a month, so no more wasteful spending. That extra $17 will be added to my challenge

I just read an article thatFair Isacc the company which reports FICO scors will no longer recognize authorized user accounts.

And Medicare will no longer cover "avoidable accidents" that occurs in hospitals. Things such as: bedsores, slip in falls, and items left in a patient after surgery

I know what I am about to say is pure selfishness and I wish I could get rid of this feeling of joy but for some reason I can't. So I figured I will post my feelings
About 3 years ago my BF for about 6 yrs left me for some one else. I was devastated and I know we were having problems (money) but never thought he would just up and leave then the next thing I knew they were married, it was like a slap in my face.

Now I find out they are having the same if not worst problems than we had, she has caught him cheating twice, their lights were off and now they are facing foreclosure on their home.

Now I see it as he cheated on me with her and now she is faced with the same thing, he also skipped out on me owing me money now they are in the process of loosing their home and a lot more. Why am I happy, I think it is a feeling of payback, I wish I could shake this feeling because I know I am not exempt from the same thing

I have finally decided to join the company's 401k investment program. This is with my part-time job, my full-time job does not offer 401k and I have to add to my Ira bi-weekly. Any how they match the first 4%, so of course I will deduct the 4%
I have decided to allocate my funds as follows and hope this is a good move:
� -10% Wells Fargo Stable MMK (DSR1) low risk
� -10% Pimco Return (PTRAX) Bond this has a medium to low risk
� -10% Oakmark Equity (Oakbx) medium to high
� -10%Van Kampen Comstock (ACSTX) high risk
� -10% Wells Fargo Adv index fund (NVINX) high risk
� -30% Dreyfus Appreciation (DGAGX) high risk
� -10%Wells Fargo adv growth fund (nvlcx) high risk
� -5%wells Fargo small cap (nvsox) high risk
� -5% American funds (rerex) high risk

I rarely go to the movies and I have had a couple of free passes for awhile and decided to use them. Well, I firgured no one will be there at 7:40 and I will leave a few minutes before just so I could get there in the nick of time to miss all the previews, wrong. Well I get there and the line is around the corner with tons of teeny boppers and no parking spaces other than valet and I am not paying for valet; so guess what no movie for me. Maybe I will try it again later

Any one uses ING bill pay with the checking account. I was trying to set up my payments for the car and it says to allow 2-3 days, deos it really takes that long?

a few weeks ago, a woman was raped and her son (12 years old ) was forced at gun point to participate. This case has got me so upset that I have searched online for a place or a company who might be accepting donations for this woman and her kid. What's even more disturbing is that the crime was committed by a 14 year old and a 16 year old as well as about 8 other kids. My God what is this world coming to. My boss told me that Wachovia is excepting donations so I will go in tomorrow, I am using my tithe money in a way I feel guilty but I also feel like we as society owes this lady and her kid something and God would understand. She lives in a really bad part of town and according to neighbors she never spoke or bothered anyone and that she kept her son inside all the time because the neighborhood was so bad. Now these a%%^$ holes knock on her door and tell her, her tire was flat then pusht their way into her apartmet. Now what if her kid goes out and commit a crime can we really blame him...poor soul. I am just so P.O'd by what is going on here with these damn kids committing crimes and parents are saying they are too young, you're damn right too young to be commiting these sorts of crime but old enough to and understand the consequences
Sorry I am just so upset

I just checked my checking account and found a $23 charge from Sam's club (?) I have no idea what this is for, now I renewed my membership online for $35 but what in the hell is the $23 for. Of course I have disputed this charge with the bank but now I have to figure out who to contact at Sam's. What a pain in the you know what, it says they (customer service ) is open on Saturdays but of course when you call the office is closed

Now that I know what drips are it is a matter of finding a credible company to go through in order to purchases. I was just wondering what companies are being used by some of you? I know what stocks I would like to purchase but am not sure which firms are credible, I am afraid to purchase online due to all this identity theft

Last night was the night from H*&&%
First, this guy I met turned into Dr. Jeckel and Mr. Hyde. I told him I had a boyfriend which I don't I just thought it was a way to get rid of him ...big mistake he like went off on me, litterly. Then around 3:30am I hear what sounds to be running in the yard when I look out, our mailbox which is made of steal and cement is down so I have to call the cops because I think it is some drunk on the road, needless to say it is some kid but the cop claims he was not drunk he swerved to avoid hitting a dog. Mind you I have never seen a stray dog in my neighborhood in the last 5 years that I have been living there (really) My thoughs wereyeah right then why didn't he stay since he damaged some one's property. After all that and I finally get to sleep about 5am I hear this knocking at my window at 6am my uncle's friend claims my uncle was suppose to meet him and never showed up ( well my uncle is notorious for this) apparently they were to go and clean up some property I don't know but he woke me up and my uncle was not home. Then when I finally get back to sleep my mom comes in about 7:45 to tell me she thinks the person wh knocked down the mailbox is a family friend ( who has the same name as the kid) I have to reimind her to look at the b-day no way can it be our friend who is damn near 70 arrrgggggggggh and did she forget that I actually followed the radiator leakage and found the car saw the kid and gave the cop his tag numbr. There that was my night

Now that the Sopranos is over I can now cancel HBO, so my cable bill should drop...lol I am sure they had a lot of cancellations

I realized why I moved back home in the first place, I can not afford to live on my own with a car payment. When I first moved out I was able to pay my rent and car note ( I had completely stop paying cc at this point) Then my car was paid off and I started paying off old debt I was doing great then I got a cc and was paying ontime, everything was lovely except I was not saving any money. Fast forward now my car is beyond repair and it is time for a new car now I am struggling with the cc debt as well as car and rent payments; so I decid to move back home. Now every thing is ok, next my car is totaled now every thing is great. Since then (my car accident) I have since paid off debt and have managed to save a couple of thousands dollars. Anyhow starting this month I decided to sock away what I was paying in rent and car payment and I am litterly broke. I have about $120 to last me until my next paycheck (two and half weeks) and my fake car payment will be due along with cable, phone and electric, not to mention the water bill. Eventhough I am pretending, I can't help but wonder what if this is for real? I wouldn't be able it eat. Then I think will I be able to afford a house and everything else that comes along with it? Now I am worried

My friend's ex was found dead today in right next to his mom. I unfortunately; immediately thought a drug overdose but we will not know until the autospy is performed. She dated him years ago he was such a looser, thank God she left him. Unfortunately there is a small child involved who loves her dad no matter what and I really feel bad for her

Just wanted to wish every one a happy and safe Memorial Day

When it comes to convenience ING wins over all. I opened up an HSBC account last year and have not transferred a dime sense. Reason 1) my customer number is twenty digits long and I can not log in 2) even if you verify all your info over the phone the refuse to reset your pass word or give you the account number. No I am closing this account and have to send in a ton of BS to do so

Can you believe it I got my refund from Cingular/At&T $83.60. I can not believe it, I thought it was going to take at least two weeks

I was going to add this amount to the challenge, but since I am only workig one week this pay period at my part-time gig I will hold on

My BP was down 110/60 which I think is low but according to the new numbers for BP this is great. Anyhow, I got on the bike for five minutes yesterday...lol I am so out of shape

Oh yeah I forgot, Cingular called to verify CC because of course they were running into problems processing my $83.

Just lovely

Called Cingular or At&t which ever one they go by and spoke with Mike Gagon who stated he needed to look over my account, I do not know why when he clearly sees the credit of $83.60. Then he states it has already been processed I say to him I know tht is why I am calling for a refund I paid the bill twice and what happens next he places me on hold. Come on, I can see if I owed them money, but the same bill was paid twice. Anyhow he comes back and tell me I will receive a credit in about 6 to 10 days, my next bill will be due in 10 days. And of course he could not give me a reference number that is why I am posting here

unbelievable

I just realized I paid my cellphone twice What was I thinking I am going to call and see if i could get this credited back to my account, I'd rather earn interest and have my funds than not

All this saving and investing is new to me. I called the bank today, to transfer money to my IRA account and the rep offered me a CD with in my IRA earning 5.10% for six months, I said ok. I never heard of such a thing and since I will not be penalized in regards to taxes and I do not plan on taking the money out I thought why not and I can continue to contribute to my regular IRA and earn a better return�nice

I want a house so bad I can taste it. I have got to get more serious than I am. I mean I deposit funds regularly but I think it is time to eat peanut butter and jelly for a while. I must admit I am a little jealous, my friend just purchased her second home (she is selling the other) and we are just a year apart and I have not even bought my first house. Yes, we make about the same and it seems like she is doing much better than I am. I know some times people steal from Peter to pay Paul and in her case that maybe the case, but the point is at my age I am sick and tired of living at home with my mom.

Well I guess I could look at the bright side in just a little over a year I will have my bachelor�s and that will be a really big accomplishment, the first in my family. And the money that I am saving is adding up, so I should have a nice down payment in two years maybe I can get a 15yr fixed vs a 30yr . I guess patient is a virtue

Just checked my points on MYPOINTS.com and I had a total of 5,105 simply by reading their emails this is great. At the rate I am going I should have at least $10,000+ points by Christmas in which I plan on cashing in for gift cards to give out as Christmas gifts more money saved for me and less stress

To all you moms out there: