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Monday Rambling

November 19th, 2018 at 03:30 pm

I’ve been saving for Christmas all year, I’m really surprised at this. My goal was $500 but I saved $245.69 as of today. Next pay day I’ll be adding $40 and another $40 right before Christmas, brining the total to $325.69. Not bad for the first year of doing so.

Reason why I didn’t hit my goal was that I had a few car repairs pop up and I chose to pay off the credit cards.

I was planning on getting my nephews a zoo pass for the year. The cost is $174 for two adults and as many kids as there are in the household. It’s a good deal but now that I’m closing on the house I don’t want to spend that on Christmas. I know I saved for it but I’d rather throw the difference into the house fund or pay my car insurance for three months.

Yesterday I ordered three pairs of kids PJs for the boys (nephews) at $5 each plus tax as part of their Christmas gifts. I think I’ll do movie passes $50 and keep the difference. Not sure.

It was a good day, today was the first time in weeks that I have not eaten out for breakfast or lunch. I usually spend $5.60 for breakfast and about $10 for lunch. So I’m add $5.60 to the house fund and $10 on CC9.

I rolled my coins that was in my mason jar, I had a whopping $46.50 this will be added to the HOA fund.

Wow He Pullef it Off

December 1st, 2017 at 05:10 pm

I couldn't wait until Sunday so I pulled next week's debt BINGO number and that number was 20. I applied this amount ($20) to CC3 and got the balance down to $999.26. The goal was to get this debt below $1000 before the end of the year. I'm so excited. My new goal is to be at $500 by the end of December, with a pay off in mind for January. I can't believe that I would have three CCs paid off by the end of January.

I hate I fell off and racked up CC2 the late part of this year but at least I got back on the tracks and am trucking along.

I noticed the SO seems to be really down. I don't push the issue any more about the budget and getting on track. He's paid out this week almost a $1,000 and and I think he is feeling the pinch. Today the rent is due, along with the electric, water and plot. I normally feel bad asking but it is what it is. I need the money to send off the payments. When I get home today, I'm simply going to ask him for the money so I can drop the checks in the mail, not my problem your mother is running a business and not paying you.

Update to this post.
Today was suppose to be a no spend day, the free blue Berry pancakes 🥞 were disgusting so I ended up spending $4.53 at the office cafeteria. Next I had a craving for a soda so that cost me $1.50. I added $6 to CC3 for the wasteful spending, new balance $993.26.

The SO came home with his share of the rent, electric ⚡️ and water 💦 bill. I was actually floored and was tempted to ask how he had pulled it off but opted against it. I ask and then there is a sob story making me feel guilty, I then say don't worry I got it until XYZ ,next thing I know I'm annoyed. I'll pass, give me your money and I'm done. I'll remind him that the plot bill is due (6th).

No Spend Day

November 18th, 2017 at 08:06 pm

Today was a great day, I didn't spend a dime.

We went to a football game, season tickets, and I didn't spend a thing. I took $50 out of my leisure/recreation envelope in case we decided to eat, or I saw something but the fiancé paid the $18 for two cokes and we split a pizza. I almost bought a clear tote though, and he convinced me not to. I'm surprised but glad I didn't.

Other than that I really have nothing to report. Hope everyone enjoyed their Saturday

No Spend Day

October 16th, 2017 at 06:04 pm

First day in weeks that I did not have a day in that I spent money. I'm soooo happy. 😀

I looked over my budget and what I've actually spent, so far I have over budgeted by $10.44. Hopefully I can continue on this trend for the remainder of the month. What ever money is left from budgeted expenses, I'll just add it to the EF.

Though I haven't cut up the credit cards 💳 yet, I've given them all to my BFF today. I told her that no matter what do not give me those cards 💳. One thing with her is that she is great at keeping me accountable. I can honestly say I haven't used the cards since April until the hurricane in September. I told her that if a storm comes and I ask for it, she should remind me that, that's what the EF is for.

This journey is tough but I know I can do it

Finally a No Spend Day

February 2nd, 2016 at 04:20 pm

Looks like today will be my first no spend day in months. I'm here with dad and will be heading home shortly, when I realized I haven't spent a dime. So I'll be adding $2 on the BoA CC.

In healthy living news, today is day 2 and I have not had a soda, adding $1 to the BoA CC. I also walked a little over a mile today so another buck added to the CC. In all today, I'll be adding $4 payment to the BoA CC.


April 3rd, 2011 at 08:37 pm

First no spend occurrd yesterday, so $4 paid towards the CC, $2 towards the house fund, and $2 towards my personal saving. All in all $8 towards the challenge yesterday. Today a different story, I hit the grocery store and spent $50 Frown but some of the stuff I could have done without. To end the day on a good note, I washed my own hair and styled it. By doing so I was able to save $25 Smile so $15 was paid on the CC and $5 went towards the house fund. The other five went to my personal account. I'm so glad I'm back blogging, it keeps me on track.
On a different note, tomorrow is a staff retreat because we did very well on the audit. We are heading to Miami for the day and I'm having second thoughts because I do not want to spend money I do not have. My plan is to spend only $40 out of my personal account ( money saved for things I want, i.e shopping, pedicures etc) I do not want to spend money on day with my co-workers in Miami. Hopefully, I will not be pressured to buy anything, it's always hard for me to say NO.

Thank You

March 27th, 2011 at 07:27 pm

Just wanted to say thank you very much for all the welcome backs and support it means a lot. I'm in the process of paying down approximately $20,000 in debt. I went from owing $0 to 20, 000 with nothing to show for it. Well no need to dwell on should of, could of, so to begin today was a no spend day and I added $2 to the $20 Challenge (a buck to my CC with the lowest debt and a buck to savings). This method helped me to pay off debt in the past, so it should work. Once again thanks everyone i really appreciate all the support Smile


August 10th, 2010 at 03:58 pm

I finally had a no spend day so $3 was transferred to my new home account; in addition, I took lunch to work and had breakfast at home so $2 was paid towards my CC

Great week

January 23rd, 2010 at 07:03 am

This was a great week, Monday was a holiday and I was off, then I go good news that I was hired full time and yesterday was a no spend day Smile So a buck went to my $20 challenge oh I just remembered I have to add another $1 for going to the gym Big Grin
Wow I also brought my lunch all week so $8 towards the challenge CC debt


January 10th, 2010 at 02:17 pm

Yesterday was a NSD so $2 went towards my $20 challenge ($1 in savings and a buck on the CC)

Today, wasn't so good but not bad either, I will post the tally later

Hopefully back on track

January 4th, 2010 at 05:06 pm

Hopefully I am back on track, today was the first NSD of the year so $4 went towards the challenge

$2 towards debt
$2 towards savings (went to the gym)

Yeah I know some people may say "you made a $2 payment on a cc" but those $2 adds up to $14 for the week and $56 for the month and by the end of the year it will be $672 towards a cc. By doing this before was how I became debt free the first time, so I know it can be done


May 6th, 2009 at 04:06 pm

Today was officially a no spend day, I am trying to get back in the swing of things. Unfortunately though I can not add to my challenge

11 NSD

March 15th, 2009 at 07:12 pm

I have had a total of 11 NSD and it's all mainly because I am unemployed. I'm happy that I had the no spend days but sad that I am not working. Normally I add $2 for every no spend days but I'm unable to do so

Wish Me Luck

March 10th, 2009 at 07:33 pm

Wish me luck, I have an interview tomorrow at a hospital and I am so excited. I have been wanting a job at the hospital or with the Department of Health since I can remember and have never had an interview. I've always filled out the application but never a call back. I have even research the hospital to find out how many beds, when they opened and the CEO name; in addition, to looking up some of the programs in which they offer so that I am prepared when I go in
Today was my 8th NSD, I guess the best thing about me not working is that I am not spending any money not even driving
I had to edit this post in order to add the link for free Dr.Pepper. When you go on the site the link is to the lower left


Two days in a row

March 2nd, 2009 at 06:00 pm

Two days in a row that I have had a NSD Smile So $2 was added to my house/challenge
That's it for now


March 1st, 2009 at 06:54 pm

Today was the first NSD for the month Smile I didn't even leave the house, so I added $2 to the challenge house fund. I washed and colored my own hair saving me about $45 plus I polished my own toes saving me another $12; grand total saved $57. It's expensive being a gal Big Grin
I was able to get a little studying in again, so that was a plus, it's hard to study at home with all the distractions. All in all I had a good day without even leaving the house.
March is woman's month so I decided to post a little something about how women have been such a driving force:
Josephine St. Pierre Ruffin, formed The National Association of Colored Women in 1896. Married George Lewis Ruffin, the first African American to graduate from Harvard Law School.
From 1890 to 1897 Ruffin served as the editor and publisher of Woman's Era, the first newspaper published by and for African American women. It was used to highlight the achievements of African American women and to champion black women's rights