Amber's Personal Finance Blog

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.

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

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. 🤦🏽‍♀️🙄

Went to my first HOA meeting last night and boy was it a doozy. I went with the intentions of obtaining information only, meeting my neighbors but I became quickly upset as with other residents.

I was extremely annoyed that questions being asked by the residents to the board and the attorney was not being answered, no one had a copy of the bylaws. As I sat there I sent a email to the management company requesting a copy. It disgust me more that the attorney hired to represent the people appeared as though she was there to represent the board who told the residents they were not holding the meeting because they wanted to keep their seats. Unbelievable!

This is going to be quite interesting. I didn’t think that I would be too active but it appears as though I will be.

Other news, two days in a row I fell off the wagon and ate out. Ugh

I told myself that what ever I spent eating out I needed to add to CC9 so I’ve been doing so.

I reached out to my sister and told her I wanted the $50 she owed me. I’m taking this and adding to my sinking funds, home repair and HOA fund.

Last month I spent a $123 for work, found the receipt for reimbursement finally. I’d initially used the CC for this purchase but the credit card has since been paid off. I’m thinking I should add to my January mortgage payment (principal), student loans or pay down CC9. Who would have thought I’d be struggling with deciding which debt to pay off first. 🙄🤦🏽‍♀️

Aldi’s hiring event is today. I’ve only noted my availability for the weekends, pray for me that I get the job.

As a cashier the hourly rate is $12.70 and I think close to $18 as a manager. I really don’t care about which one is offered, so long as I land a job. The goal is to use all the funds from this job to throw at the student loans. I know I owe the money but the mere fact that when I pay extra it’s only to the interest it just burns me up.

In other news my phone crashed, I did trade it in for a new phone, the good thing is I paid cash. The bad news is it was $300. I did pricing refurbished phones 📱 , but this was cheapest (iPhone 📱) with the series (7) and space. I know why an iPhone? It’s one of those stupid loyal to the brand thing. One of the reasons why I didn’t stop adding to the EF when I hit $1,000 was because I was saving for the day this phone crashed. I’d canceled the insurance last year, and didn’t want to be locked into financing with the carrier again. That process always seems like it takes you years to pay off.

Other than that I have nothing to report

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

Hi all 👋🏾
I’ve opened up the home repair savings account, I figured better late than never.
My goal is to save for things such as a washer, stove, roof etc. Though things are okay now, I know that when you become a home owner, Murphy visits.

Yesterday was payday so I went ahead and socked away what I would normally pay for rent. I had the SO give me his share for December as well, so I put that in the bank. I also socked away funds for the HOA. I really want to be ahead of the game.

Thursday I’ll be applying for the cashier’s job. I honestly prefer this one only because it’s right up the street and I only want 12 hours a week.

I notice that the SO was looking pretty down. Prior to him looking sad, I had honestly started feeling bad that I had asked him to move. When I asked him what was wrong, he informed me my that his mom had not paid him in weeks. All I could do was say to myself, thank you Jesus for reminding me has to go.

I have no idea why he refuses to take this business over from this woman, why he continues to go to work week after week and not to get paid? Here it is you’re trying to have a relationship with someone, build a future and you’re allowing your mother at 46 ruin your life. I can’t imagine another woman dealing with that BS as long as I have. You can’t pay your bills and you’re okay with that because Mom can’t be upset. Well you can Mom have a great life and be gone out of my place by December 31st. Ridiculous

I can’t wait to close. My landlord is a pain in my 🤬

She’s cheap and is always complaining geesh. She’s upset because she has to pay to get documents notarized to sell the place and go to a UPS store to ship over night. The title company was closed Friday. So she’s pissed, cut me a break. I just want her gone. Well we have to close before the end of the month and they need the information early enough to review and knowing her she probably signed in the wrong spot 🙄🤦🏾‍♀️.

I’ve repaired things in this place that technically she should have but because I have dealing with her I fixed. It’s small stuff but hey. Can’t wait to close Monday.

Today and yesterday I cleaned. I threw out so much junk, that it’s ridiculous. I got annoyed about all the money I spent and wasted, looking at that stuff. The kitchen looks great though and I can actually walk in my walk-in closet, and the bathroom is clean. I got rid of the clothes hanging in there.

I also went through, five drawers either tossing or posting items for sell. Tomorrow I’m trashing an old file cabinet. I literally have not opened it in about 6 years. So I’m shredding and tossing.

All these stuff animals the SO gave me for Valentine’s Day is going in the trash. I’m too old for stuff animals, I always hated those things.

I’m so thankful that I do not have to move, and thankful that the closing motivated me to trash junk. I’ve decided that from here until the new year, I’m tossing crap, decluttering my life.

Just picked up the cashiers check for the closing on Monday, super excited.

I’ve also been searching the internet for an amortization spreadsheet that I can enter my loan information with extra payments. Once I close I’ll also be able to make a nice payment to the BoA credit card knocking off a just above half of the balance.

I bought my budget extension for my happy planner. I’m so ready to kick butt staring in December. Once the closing take place I’ll open up a checking account strictly for the mortgage.

Other news I saw that the SO reached out to his sister to let her know I want him gone. At first I thought he was not taking things seriously but when o saw that I knew he was. He only calls his sister when he’s stress, need advice and something drastic has happened. Thank goodness he knows I’m serious. I was really worried.

Im so excited to start my new chapter.

Closing is scheduled for Monday. I’m excited. I’ve already set up sinking funds for the HOA, and home repairs.

I’m trying to decide if I want a separate account for the mortgage, I’m opting into auto pay, or combine the HOA and mortgage accounts. I need to decide before the next pay day so I can have those funds direct deposited vs me trying to transfer.

On a different note, yesterday SO and I donated a meal to a family. It’s something we do every year. Usually we give the meal and I’m like okay that was nice but yesterday for the first time, my heart broke. As we were providing the meal, one of the cutest kids you ever saw came up to us and all she kept saying was “food.” “Food, food, food, food...” is what she said and kept pointing at the box. I wanted to pick that little darling up and take her home. I’ve never imagined not having enough food. This really bothered me. I’m sharing because as we go on with our daily lives we forget to be thankful. I’m praying that God will bless me, humble me so that I can be as generous as he is with others

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.

I did it, I told my SO to move by December 31st. He didn’t say a word, other than “what?” So I told him I want him out by December 31st again.

I don’t know, but I have a knot in my stomach from it. I feel bad but I know it’s for the best. He can not afford to live with me, he has way too much baggage he just refuse take care of.

Now the countdown begins.

I’m going to start looking for a part-time gig

Today is the day. I spoke with a few friends and I’m giving the SO until 12/31 to move. I originally had a later date. I’m also nervous so I need all the prayers I can get. I’m nervous as hell but I know it needs to be done. Someone posted on my previous post to give a date, so the date as been set

I’ll be applying to both Aldi and Walmart for a cashier job, fingers crossed.

To stop the bleeding I have to pay an extra $200 a month on my student loans. Today I made my first $100 extra payment. I’ll be doing this each pay period. These things are highway robbery. It’s sad that any extra payment does not go to the principle first.

I’m writing my state senators and congresswomen and men. This is God awful

Well as soon as you make it, it goes out. Today was payday. I took care of the following, tithes were paid, paid on both remaining CCs, took care of the cable (my portion for the month of November), added to my sinking funds; but what I’m most proud of was creating a sinking fund for the house 🏡.

I was planning on adding $85 a pay date to cover the HOA for the following year, but I bumped it to a $100. I’m thinking a little extra a pay date won’t hurt, in case they decide to go up.

Tonight I’m speaking with the SO I’m going to give him until December 31st to move. I figured one, he’ll know that I’m serious. Two, it will give him time to at least save to move. I plan on letting him know that I’m exhausted, that this isn’t working and I’m not going into the new year with his baggage.

2019 we would have been together for almost 10 years. Things actually went downhill once we moved into together, this was when I realized he is really really really bad with finances. Both of us were living with our parents. I had just lost my job and he was recently divorced. We dated for three years before deciding to live together and the only reason why that happened was because of my mother.

I should have known things wouldn’t be right. First sign I tried talking to him about how he wanted to split the bills, he was somewhat evasive. Then when it came time to pay to move in, he had his portion of the money the day of not before. Long story short it was downhill ever since. At first I thought maybe because his mother doesn’t pay him regularly but nope he’s just as bad as she is with money, if not worst.

Oops my low life brother has decided to go back after me. Smh my attorney called last week. Hopefully the judge will lock him up for frivolous case

Ugh interest🙄. Received a new invoice for CC7 that included an interest payment of $80+ , I went ahead and paid it off. I hate when you pay a bill another comes with the interest.

Looked at my student loans, ugh and what I’ve found is that in order for the balance not to increase and kill me I need to pay an extra $200 a month on interest, this will stop the balance from increasing, breaking even until I pay off the last two CCs. Now that the other cards are paid off, I can do that and still pay bills and add to EF. I hate interest 😡.

I’m opening up a separate checking account for the mortgage, and HOA. Though I haven’t closed yet, I want to jump start on socking away for this. Closing looks like December, that will give me 60-days to put things away and have two months saved.

Yesterday I woke up and the cable was off. Smh. I lost it, I called my SO told him I wanted him out. Told him that I can’t keep doing this, that it was mentally, physically and emotionally draining. I told him that I don’t need nor want his bad financial habits to cause me to lose my house and that he needed to go.

Came home after work, and the cable was on but it doesn’t negate the fact that he pays everything late, every three months the cable is off, and he does the bare minimum. I want him gone!

This weekend I’ll be looking for a part time gig, since the holidays are rolling around, this should be easy. Plus I should be taking on another department, that will give me a raise of about $12k, fingers crossed

That’s it have a good one everyone

Praise report. After paying off the three credit cards 💳 my credit score jumped by 47 points.

I got a revised closing statement and the mortgage will actually be $10 more than I’m paying for rent ($961). I’m thinking that once I close it will actually be less. Correction, this include the escrow.

Other news my idiot brother decided to sue me for the money my dad had in the bank. One I was the beneficiary; two all of it went to legal fees, burial and taxes on the property so good luck to him. Greed

Next, the idiot I have as a SO hasn’t given me one coin on the purchase of this home 🏡. Rightfully so, I guess Neva we’re not married but what get me is I tell him I had to put tires on my car, paid for with cash by the way, and I’m super excited. But he thinks a credit card 💳 was used (usually the case) and he has the nerves to say let’s rent a room to stay out of town. My response, how about you give me the money to pay a bill? 🤦🏾‍♀️🤦🏾‍♀️. Can’t wait for this to be over.

That’s it for now.

Good morning all!

The house the debacle is over, I received my check and paid off CC6, CC8 and CC7 will be paid off today.

I decided to purchase the villa that I’m in. The landlord agreed to $140K, and the place appraised at $150K. The good news is by me purchasing the rent/mortgage will be cut in half. The extra money saved, I’ll put half towards EF and the other towards the remaining debt.

I still have the 8k saved so if anything comes up with the home that’s where I’ll dip into. I don’t include this amount in the sidebar.

We are also expecting to relinquish a high level employee, her duties will be split amongst managers so, I should be getting another raise. Upward of about $10k - $12k

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.

I have to keep reminding myself that this mess I’m in is only temporary.

First in financial news. My goal is to have CC6 paid off by the end of October. My 90 days on the new job is up this month and we are to revisit my salary. I’ll be asking for a raise. Since I’ve been there I have done the following:
* Save the company close to 50k
* Updated and rewrote outdated policies, about 12
* Update a number of HR forms
* Started the online implementation of our HRIS
* Put processes in place to streamline our onboarding process,and
* Revamped the new hire orientation
Not to mention all the other miscellaneous stuff.

Regarding spending, I’ve been off the grid. Eating out a lot more and spending more. Yesterday was the first check of the month, so I plan on getting back on track.

We finally got a date for next month regarding the sale of the house, I pray all goes well.

Now relationship news. As you all know, I’m sick of my SO. Every day there’s some BS with him. Well this week the child support office hit his account and his daughter’s because he was late paying.

Long story short last month, or month before, I can’t remember, he mailed off his money order payment. Well they didn’t get it. He was told the following month to wait and see if the money order clears, by the child support office. I said pay it,because it’s late and it makes no sense what you were told. Well he didn’t listen to me, and they took all his money and the money he in his daughter’s (16 yo) bank account.

Now he’s running around here mad because they touch his “baby’s” account.
I’m more like WTF!
1. All your portion of the bills are late, you take your time paying them but when it comes to your daughter’s money you make sure you’re doing what needs to be done to correct. Meanwhile my &);::/- is late!
2. If you had been saving, when the money order wasn’t received you could have paid the damn bill
3. Take the business over from your mom, she’s mismanaging and aren’t you sick and tired of not wanting to hurt her feelings 🙄 dude she’s not paying you. What’s the purpose of working and not getting paid?

Only good thing about this is, that I told him there is no way in hell I can or would marry him. He’d have us in the poor house.
Not to mention, he can’t even buy a diamond for the ring that’s now starting to change colors, lol just pathetic. All I can do is laugh to keep from crying, thinking about how much time, and energy I’ve wasted with this guy. Two years later and I still have a joke of a ring smh, unbelievable.

Don’t get me wrong, it’s not about the ring, I’m just making a point. I’d be happy with a $20 gold band, vs a $1200 band with a fake diamond that is changing colors, if he had his crap together.

Only thing keeps me trucking is I know this is temporary, debt is slowly declining, and this house will be sold then I can pay off my debt and get my own place.

Wow I did it!

This credit card 💳 was driving me crazy, I paid it off. CC5 is officially gone! It feels so good to know that I’ve paid this card off. It makes up for the dental payment.

What’s so funny was, I stopped by my mom after paying off the CC to check my mail. There’s an offer from Macy’s. upping my CC balance, thanks but no thanks. Just two years ago, they reduced it. My debt to income was too high. But now that I’m paying things off, they’re increasing it. I’ll pass.

Thanks for tips everyone, I am going to reach out to my dentist to find out if there is a discount. He typically discounts things for me so I’ll see.

Someone asked in a previous post if the SO could help, the answer is no. He never has any money for anything. Can’t wait to get him out.

We got another court date for September 11th regarding the house, thank God.

Yesterday I saw the dentist and this cracked tooth is going to cost me $1,000 ugh. I had to pay half yesterday. It’s the crown on the implant that cracked. The crown was about 9 years old. This really annoys me. I took the money out of my EF. I’m just glad that I continued to add to the EF. Thank God.

Yesterday morning prior to my dentist visit, I almost paid the $264 left on the credit card (CC5) to zero it out but for some reason I didn’t. I still want to, though. The money in the EF is just that an emergency fund, so I should use that for my tooth and get rid of this dog on credit card that’s giving me a headache. But a part of me is saying use the $264 towards the tooth. Smh 🤦🏾‍♀️

Other news, I have been extremely busy at work. I usually don’t leave until about 7:30 at night. It’s a good busy, I love what I do but they keep me on my toes. I’m excited to have finally found I job that I like, with a great boss, and the ability to use my education.

Well when it rains ☔️ it pours.

Yesterday I was eating breakfast 🍳 and cracked a tooth. Smh.

I’m not scheduled to see the dentist for a cleaning until next month but now I have to get in earlier than expected. I’m really hoping this crown isn’t expensive. Thank goodness I’ve been socking away for an emergency 🚨 as well as medical expenses.

So far I have about a $100 in the sinking fund for medical expenses so I’m sure I’ll deplete that. What sucks is I also have an eye appointment on the 30th and that’s $110.

Prior to the crack tooth, I’d paid $200 on CC5 💳. Had I known I would have not made the payment.

Though I’m upset about having to spend the money, I’m glad to have the cash 💰.

Always something. I was really hoping to knock 🥊 CC5 out today.

But, I had to budget for contact lens ($150). I wear my glasses 👓 90% of the time but with those special occasions I like to have my contacts. Many reasons why I’ve started a medical fund. I also have to pick up my meds, that’s $27.99. So about a $180 on healthcare that could have went to debt. I know I shouldn’t complain because any other time I would have to use the CC 💳.

I was able to pay at least half the balance on CC5 bringing the total to $225, yay. I’m still on track to have four credit cards 💳 paid off this year.

One thing I’m feeling good about, well a couple:
* Today was pay day and all bills for the month are paid, in advance mind you
* Extra was paid on the credit card 💳
* I cash flowed health expenses
* I was able to also save
* And I love my new job

Though I’ve been on the job just over a month, I’ve been able to make some traction, and my boss is amazing.

In other news, I see things getting worst with the SO and his daughter being pregnant. He’s making things happen and of course it frustrates me because as usual things are late here at the house. What frustrates me is, he’ll make sure the money is available for her but when it comes to the house it’s a different story. I just have to keep reminding myself that one, I’m paying down debt, two once the house sells I can move on, three this is just a minor setback.

Live and learn

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.

The reason why I save something every time I get paid or receive extra cash is the following.

Last night I came home, and the SO other was very upset. So I asked what’s wrong with you? He proceeds to tell me that “his mom’s a/c unit is out, the cost to repair he’s not happy with, and that everything is crashing down on him, and he wanted to cry.”

Well I don’t say a word because all I’m thinking is, you better have your share of the rent, electric 💡 and water 💦 bill.

His daughter is pregnant, the ex cancelled her insurance so he’s footing the bill, for that. 🙄

The point I have been trying to make to him is that, you need to save a dollar as my mother would say. Murphy is going to visit, and some times he’ll set up shop and won’t leave for quite sometime.

Now there are a number of things that he should be doing that he’s not, like taking this business from his mother, asking the mother why she has no money to fix her a/c, saving a few dollars, having his lazy pregnant daughter get a job. But hey, who am I to say. I’m just socking away my few dollars, paying down my debt and looking at the big picture, and that’s a nice move out date. It’s a slow process but it’s coming along. As soon as I can knock a few of the CCs out,I’m gone, or he is. One of the two

This journey of getting out of debt is a slow and steady process for me but I’m happy. I have to do what works for me and keeps me motivated.

Today was payday 💰 and prior to paying anything I always take a look at my budget. I noticed that I was only paying $9 to CC5 💳. I thought nope, nope this is unacceptable.

So I change somethings around. My cellphone 📱 was actually $5 less this month, I reduced both the EF and sinking fund deposits by $10 each and also reduced my offering (not my tithes) this pay date. By doing this I was able to pay an extra $45 on the CC 💳.

Unfortunately I did find a few bills, like the electric 💡 and water, were under budgeted , so some adjustments were made. But all in all I’m stoked, as long as I can pay extra I’m good.

I think what I’m feeling so good about is, one I’m knocking these credit cards 💳 out. This year was one a quarter and I know I’m on track. Next year with the higher CCs it will be two a year. Hopefully once this house 🏡 sells I can knock them all out.

Secondly, saving for what I want and upcoming expenses. This is actually one of the best feelings. Just knowing that I’ll have the money in October to pay my car 🚗 insurance for six months is great. That will surely free up an extra $100 a month. See right now I’m paying $166 a month, (I know it’s high, I’ve already called around and this was the best deal. Even a friend who has her own agency told me this was good) I also set aside $100 a month to be able to pay this sucker at once. But once it’s paid for six months I only need to sock away the $166. Not to mention I think when you pay it for six month about $50 is knocked off.

For the first time ever, I’m saving for Christmas 🎄. No more stress. I can actually host my holiday game night without stress and I love it.

Another first timer, medical. Saving for medical expenses was never an option or thought. But I’ve saved up for my eye exam, and if I keep this up I’ll have the money for my dental cleaning.

It just feels so good.

So my SO comes home, he’s worried he can’t reach his daughter. He calls no answer. Calls his ex wife and she tells him, the daughter blocked him.

Well long story short, I told him years ago that he spoils these brats he has from his ex and they’re going to break his heart. I hate to say it but I was right.

He calls the other daughter who calls the one who blocked him on a 3-way call and she tells him she blocked him because he didn’t answer her call. Now mind you, he sent her a text on the day that she supposedly call to say he wanted to meet with her and the other kids. Why would he not answer?

He’s terrible about many things but when it comes to the kids from the ex wife he goes above and beyond, I really felt bad for him. She’s an ungrateful you know what. This guy, had paid his bills late, pulled strings for her to graduate, and more and you have the nerve to block him because he supposedly didn’t answer. Though she doesn’t and hasn’t asked me for anything, I did tell him she can’t get anything from me. And I mean that. I’m not upholding ungrateful behavior. She wants to be an adult, he needs to treat her like one.

I can’t tell him what he should and should not do about his kids but I know what I’m not doing. Whew can’t wait to move on.

In different news, my payment on CC5 finally posted, pay day is Friday but I won’t be able to pay it off until the first check in July. This sucks but hey, at least I know it will be gone and then on to CC6. 10 CCs, this is such a joke, never again.

I had to call Att&t again for the fourth time. They never gave me my credit for phone 📱 insurance, smh. I finally spoke with a rep who credited my account today and waited for me to log in to view the credit. The problem was that they had already charged my account today for the auto pay. Autopay saves me $5 but it’s never on the same day,so I think I’m going to stop it.

Earlier this year I was saving for a family vacation, then I realize I had too much debt to save for a vacation. At one point I took the money out and paid down a CC 💳. But I also never stop adding to the saving account.

There are three big ticket items I want. They are, a laptop, Apple 🍎 Watch and a Circut. All very expensive I know. But I figured with patience and $20 a pay check by the time Christmas roll around I can purchase these items with cash.

This little experiment has taught me to be patient and save for what I want. Though it’s been a long struggle the reward in the end will be well worth it. The old me would have put these items on a CC 💳. I know some of you may not agree but this works for me. It’s no new debt and still being able to enjoy somethings. The laptop 💻 is about $200 the series I watch is $150 and the Circut is about $200. I’ve already added a stipulation that I cannot but these items unless I meet my 2018 goal of paying off four credit cards 💳, one each quarter. I’ve pretty much met my goal already, two thus far and three in just a few more weeks. I’m sure when December rolls around I’ll be on CC8.

So my SO comes home, he’s worried he can’t reach his daughter. He calls no answer. Calls his ex wife and she tells him, the daughter blocked him.

Well long story short, I told him years ago that he spoils these brats he has from his ex and they’re going to break his heart. I hate to say it but I was right.

He calls the other daughter who calls the one who blocked him on a 3-way call and she tells him she blocked him because he didn’t answer her call. Now mind you, he sent her a text on the day that she supposedly call to say he wanted to meet with her and the other kids. Why would he not answer?

He’s terrible about many things but when it comes to the kids from the ex wife he goes above and beyond, I really felt bad for him. She’s an ungrateful you know what. This guy, had paid his bills late, pulled strings for her to graduate, and more and you have the nerve to block him because he supposedly didn’t answer. Though she doesn’t and hasn’t asked me for anything, I did tell him she can’t get anything from me. And I mean that. I’m not upholding ungrateful behavior. She wants to be an adult, he needs to treat her like one.

I can’t tell him what he should and should not do about his kids but I know what I’m not doing. Whew can’t wait to move on.

In different news, my payment on CC5 finally posted, pay day is Friday but I won’t be able to pay it off until the first check in July. This sucks but hey, at least I know it will be gone and then on to CC6. 10 CCs, this is such a joke, never again.

I had to call Att&t again for the fourth time. They never gave me my credit for phone 📱 insurance, smh. I finally spoke with a rep who credited my account today and waited for me to log in to view the credit. The problem was that they had already charged my account today for the auto pay. Autopay saves me $5 but it’s never on the same day,so I think I’m going to stop it.

Earlier this year I was saving for a family vacation, then I realize I had too much debt to save for a vacation. At one point I took the money out and paid down a CC 💳. But I also never stop adding to the saving account.

There are three big ticket items I want. They are, a laptop, Apple 🍎 Watch and a Circut. All very expensive I know. But I figured with patience and $20 a pay check by the time Christmas roll around I can purchase these items with cash.

This little experiment has taught me to be patient and save for what I want. Though it’s been a long struggle the reward in the end will be well worth it. The old me would have put these items on a CC 💳. I know some of you may not agree but this works for me. It’s no new debt and still being able to enjoy somethings. The laptop 💻 is about $200 the series I watch is $150 and the Circut is about $200. I’ve already added a stipulation that I cannot but these items unless I meet my 2018 goal of paying off four credit cards 💳, one each quarter. I’ve pretty much met my goal already, two thus far and three in just a few more weeks. I’m sure when December rolls around I’ll be on CC8.