I am in the football pool at work, wish me luck. I can use the extra cash

You will not believe what happened to me today, I almost forgot to post. Any how I am on my way to school and get to the ed light, well this girl get out f the car walk around to the driver side and pulls her pants down to urine. CAN YOU BELIEVE THAT? I was shocked , I mean who in their right mind would do something like that? i wish I had taken the tag and called the cops

I hardly ever write a check, other than paying my tithes...well I went to write a check for my tithes and no check. The last time I ordered checks was over 3 years ago. I am soooo upset, now I have to wait for Sunday's paper in order to get the introductory offer for checks

Ok I sold some books on these sites, you're required to ship the item with in 3 days but it takes forever to receive your payment. Amazon states you'll receive your payment in 7 days ( at least that is what I thought) now I get an email today stating my funds will be deposited with 5 business days almost two weeks after my item was sold. Half.com only pays twice a month, this sucks...but patience is every thing

I do don't know I always seem to make the same things for dinner, never going out side of the box. So I decided to make wraps and boy they were delicious; I never knew wraps could be so good. I was just driving along to class and thought wraps for dinner will be quick and easy I'll try it and I am glad I

From Half.com, almost 3 weeks later. But I am not complaining, now I am just waiting on the $49 from Amazon at least I should be receiving payment with in 7 days, we'll see

Today while I was in Target, this lady dropped a couple of pennies. Anyway she looks down at them and proceded to check out; as she completed her transaction she looked down at the pennies and left them there. Being the frugal person I am I picked them up At one point I would never pick u pennies now I can not pass them by

I had a pretty good day today. I was able to get my shopping done( sticking to the list), wash my hair, dry my clothes (line dry) and get a cat nap in before work Now that I am at work I was able to get some needed studying in that was a plus, since yeserday I did not do a thing. And to top everything off all the seniors were pleasant today...yippie. I just hope tomorrow is the same way

I usually line dry my clothes trying to save money. Well the lawn guy just showed up;30 minutes after I hung every thing out. I wish he would make up his mind on which day he will be coming and stick to

I am here watching the news and there was a contest in which a woman drank so much water she had water poison. The point of the contest was to drink as much water as possible with out going to the bathroom well her lungs filled up with water and she basically died from water poison. How sad

As you all know I have no cc debt, I was checking my email and there was one from Macy's wishing me a happy birthday. I thoght that was nice but when I opened the email it said happy birthday alright and free shipping with my next purchase. Now the old me would have jumped all over that, but the new and improved Amber said no way jose

I finally got around to paying my library fee for the lost DVD, it was only $12.99, I got lucky I thought it would be a lot more. The rep went on Amazon to check the price, so I made out like a bandit and if I find the dvd I can return it for a full refund

I am up late tonight working on my project for Thursday's class, I must say it looks nice, any how I did not realize it but it is after 12am and it is my birthday. Mom's taking me out to lunch/dinner what ever I prefer...this is a first in a long time that she has ever done something like this so I am excited, haven't sat at a restaurant for dinner in a while and I love to eat out

Ok tomorrow is payday and I need to decide what I am doing, actually this is more of a mental note to myself

$300 EF
$25 IRA
$10 Misc Account
$75 Challenge/home account
$20 Car account
$20 Tuition account
$50 personal account
$500 total savings
$136 FPL
$38 Home phone
$65 cable
$20 student loan
$20 Tithes
$779 total spent
Approximately $260 will be left if that is the case it will be going into the EF

I know something is better than nothing, but I only earned a $1.97 in interest. I deposit at least $50 a month to my IRA and at my age I am aware it should be more, but I am just a little dissappointed seems like I am not making any progress. My job offers nothing towards retirement so it's just me and now I am trying to save for a house and EF as well...I'm stressed

Logging into my account, I pretty much check my checking account on a daily basis and for the last few days I can not log in. I am really annoyed

Hope every one is enjoying there day off, it is a little gloomy here in sunny south FL but at least I am off. I have to go and check on my dad today, other than that I have really nothing else to do...maybe study a little bit; I don't know we'll see

I am happy sold an item that was relisted on Ebay for $10 so I am just waiting for the funds to be transferred and then I will add this money to my challenge. I am so happy, I have a couple of other items to list hopefully those will sell as well

I have two hours left until the auction ends for the items that I am selling on Ebay. This listing and selling stuff is not as easy as I thought. I did offer free shipping, I have two people watching but no bids we'll see. I will just keep listing and see how it all plays out

I just listed another textbook on Amazon, I hope I can sell this item. This is my first time listing with them so we will see

I signed onto my ING account, and what did I see a Happy Birthday post with a cake...that was cute. My birthday isn't until Wednesday but I thought it was cute anyway

I had to relist my items on Ebay but this time I offered free shipping, I hope I am able to sell both of these items. I will list some other things later this week and offer free shipping as well. We'll see, I am just trying to make some extra cash some how

I met this guy, who is 20 years older than I am but he is a nice guy. He's funny and appears to be caring but it is the age that I am worried about; I have known him for awhile butFriday was our first time spending some one on one time together. I have not dated any one seriuosly for almost 4 years now and would like to settle down but to actually date some one who's kids are the same age as me is a little bit scary

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Wow I am so happy I sold both my text books today on half.com this is the first time I ever done anything like this. One book was $36.89 and the other $37.56 at total of $74.45 the only problem is half.com makes two payments a month so I have to wait until the 15th but once I receive the payment it's going into my education/tuition account

I found a couple of things that I can part with on Ebay, so I will take the pics and post them on Thursday. I still need to go through some things but I am ready to start selling things. I did list my books on half.com but no luck if they do not sell by next week I may post elsewhere like Amazon but we will see

Thanks to rduell I decided to do the following for the challenge at some point last year I stopped but here is the plan
- 39 cents added every time I save postage
- any gift of money that I get throughout the year
- use more coupons and transfer the money I save
- $1 for every no-spend day
- $2 for every "A" I get
- $1 for every "B"
- .50 for every "C"

Ok I picked up a movie for my nephwe "Cat in the Hat" and now I can not find it I have cleaned my room from top to bottom and no signs of it. Now I am going to have to pay for it which I am sure is over priced compaired to some where else. I ask my nephew if he had it and he said he left in FL in the tv (he's 3) I do believe him because we fell asleep watching it and I turned off the TV. And where the DVD is he can not reach i just do not remeber taking it out, I wonder if it is some how stuck in the player nah it would not work oh well

This was in my inbox so I'll like to share:
When it comes to money management mistakes, debt counselors have seen it all. And if you knew what they already know, you could save a lot of money and more than a little grief.

Unfortunately, by the time consumers sign on for credit counseling, they already have an average of $30,000 in bills and seven or eight credit cards, says Susan Keating, president and CEO of the National Foundation for Credit Counseling
1. Freebies are lethal.
Those low introductory offers sound great, but they are designed to get you hooked on the service.
If you co-sign, that debt is yours.
If your son or daughter wants you to co-sign for a car, apartment or loan, just say no
Bouncing a couple of checks can cost you your bank account.
Not only can your own bank kick you to the curb, but it can put you in a financial database that acts as a kind of black list
You need a plan. If you just spend money until it's gone, you never get ahead.
Look at what you make, what you need to spend, what you want to save. Keep track of your spending for a month or two to see where the money is going.
Auto leases can be hazardous to your financial health.
Leasing (and some zero-down payment deals) can put you at risk financially because you may be driving a car that's actually worth less than you owe
Your old emergency fund might not cut it.
The old rule was to sock away three to six months' salary. But that's just not enough anymore, aim for having a year's wages in the bank
Don't always reach for that debit card.
Some gas stations and restaurants will put a hold on your card for more than you actually spend

Happy New Year and a safe one to everyone here. I hope all goals for 2007 are met