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January Snapshot

February 2nd, 2019 at 08:26 pm

January review
* Saved a total of $582.69
* Paid an extra $1079.93 on CC9
* Had 15 no spend days
* Lost one pound - I have to do better
* Almost finish book 1 for the year, I have to do better
• Paid an extra $100 on the house

Knocking CC9 Down

January 29th, 2019 at 02:25 am

$5156.20 is the balance as if today on CC9, before the new interest hits. I’m feeling really good. I’m trying to figure out how I can knock this down to $5000 before the new bill.

I was able to pay a total of $1074.69. If I can keep this up, for next four months, I’ll be done with this card by April. The goal was March but hey.

Feeling really good and accomplished.

Mini January Review

January 27th, 2019 at 04:33 am

My month in review

Well it looks like January was a great month. I crunch the numbers using my MS Money and I actually came in under budget. I did spend over in a few categories such as dining out and gifts 🙄🤦🏽‍♀️ but over all things were good.

The software isn’t sharing with me how much I paid down CC9 for this last budget period. I’m not sure why it’s not appearing on the report, strange. At any rate I’m going to log in and check my account later. I did drop the $500 payment today on it but it won’t post until tomorrow or Tuesday, I hate that.

Not sure what made me look but I was disgusted at what I paid in 2018 on CC9 interest, a whopping $1,102.65. All I could say was so much money wasted. This makes me want to get rid of this thing and others fasters. 😡

Different note, I’ve meal planned for the week and need to hit Walmart and Aldi, but it’s raining cats and dogs. Hopefully things will clear up

Significant Other Update

January 26th, 2019 at 08:55 am

As you all know the significant other is still here. I can’t believe it and I want to fall out of my chair but he’s provided all his bill money in advance. Twice (January and February).

I don’t know if me asking him to leave did it but I’m just shocked. Really shocked.

I pay my bills as soon as I get them, first week of the previous month, so by time he gives me his portion, week before due date, everything is already paid. I’m okay with this so long as I get the money before the actual due date.

He’s a super nice guy, just terrible with money, well his momma. I’m still going to monitor this. Not going to get too excited because things can easily go left. His mother can always not pay him, that she is known for doing. But it looks like he’s finally taking over the business. Either way as I shared with him, “he was suppose to be gone in December, you weaseled your way to stay, I’m not doing this crap in 2019, first missed or late payment you have to go the same day, I’m not doing this. My dad did not gift me a house in his death to lose it behind some guy.” He knows I worship the ground my dad walked on, and I’d do nothing to disappoint him.

So with the extra cash $500+ I’m adding it to the credit card 💳. This should knock my balance down to a little less than $5000. If I can meet my same goal next month, I’ll be down to $4k, yay.

Knocking CC9 Down

January 25th, 2019 at 04:11 am

I’ve been on a roll kicking butt this month. Dining out less(not at all), no spend days, saving and paying down CC9. I think by the end of the month, I will have paid close to a $1,000 on CC9. Right now I’ve paid close to $800, yay! My goal is to have this credit card paid off by the end of the first quarter.

I figured, between now and March, I know I can do $1,000 and anything extra, I’ll add. Fingers crossed.

Lol, can’t believe I get excited about paying off debt.

Government Shutdown

January 11th, 2019 at 04:13 am

Though I’m not a government employee this shut down really has me nervous about what could come.

I’m in a number of financial groups, and other miscellaneous groups on Facebook. I have noticed that those who are effected by the shutdown, are posting that they can’t pay their bills. It’s really sad.

For me, I’ve been payed off twice and thankfully both times I’ve been able to pay my bill. This is the main reason why while on BS2 I add something to my EF, even if it’s $25 each pay day. My dad always said, even if it’s $10 you put something away each pay day and don’t touch it.

I can’t imagine working and not getting paid. But if that happens I want to be able to have some sort of cushion. I honestly think we are heading into a recession.

On a different note, I’ve knocked down CC9 to about $5,900, just waiting on a few payments to post before I update the sidebar. I want this baby gone. I’ve decided to start the 52 Week Challenge backwards and throw the money at CC9 each week.

The SO is still here 🤦🏽‍♀️🙄. For January he paid everything on time. On December 31st I had a conversation with him. I told him it looks like you don’t plan on moving. Nothing packed. I told him nothing has changed about my feelings and that I wanted him gone.

I told him that I am not going into 2019 trying to run him down for my money to pay the bills. If they’re due on the first, I want it by the 20th and no later than the 25th. I also had the same conversation two days ago. I’m not doing this crap this year. And the minute he misses he has to go. I plan on talking to him again tonight. Because I really need him to know that I’m serious. He’s a nice guy and all but I don’t give two cents that he refuses to stand up to his mother. I have a mortgage now.

Financial news, I paid the mortgage today, early. I added an extra $25. I know why? It makes me more comfortable knowing I paid extra. For me I want to pay the extra $25 every month. High balances on anything makes me nervous.

I also paid CC9 early added extra to that, and socked away funds to my sinking funds.

I got quotes from Progressive, car insurance, I can save about $100 if I switch. I’m going to review/compare my policies and coverage to make sure I’m getting the best bang for my bucks.

This week has been a good week. I haven’t dined out until yesterday. But 6 out of 7 days isn’t bad.

I’ll crunch the numbers, review the budget and see where I am today. I’ll share later.

No Dining Out

January 5th, 2019 at 12:49 pm

Day 5 and I have not eaten out, I’m so happy. This week I meal planned and pack snacks and lunches all week.

Today I went grocery shopping 🛒 and the cost was about $40.

Tomorrow I start the 52 Week Challenge, my goal is to use this challenge to pay down debt. So tomorrow $52 (starting backwards) will be thrown at CC9.

Happy New Year

January 1st, 2019 at 07:39 pm

Happy New Year everyone!

Going into the new year with a bang, just paid $502 to CC9 😀. Goal is to have this sucker paid off by the start of the second quarter.

I took a look at my year end and realized I paid 50% of my CC debt in 2018. That’s really motivated me.

Catching Up

December 27th, 2018 at 12:12 am

Revisited my budget planner. Noted all bills due on the monthly for January. I’m excited not sure why but I am.

I spent my evening balancing my accounts on MSMoney. I notice the month that I stop tracking was the months I fell off my budget. I’ve set aside Sunday afternoon as my day to enter receipts, update accounts, and plan. I’ve set the alarm to go off that way I have no excuse not to view my spending.

I also noticed that I had deposited and extra $177 to my HOA fund. For some reason I didn’t notice that my direct deposit had went through nor the fact that I transferred the money twice. Smh. Needless to say, I transferred it back and used the money, $141 to pay my light bill. I don’t know why that bill is always so high.

Other news I sold a dress on Poshmark, made $7.55 . This was added to the EF because I had already had the account set up. But I’m changing the deposit to the checking account so that any items sold I can add to the CC debt.

I started Rachel Cruze’s “Love your life not theirs” book, looks like I’ll be done by the weekend it’s a pretty quick read.

Hope everyone had a great holiday

First Mortgage Payment

December 22nd, 2018 at 06:18 pm

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.

Tough Love From My Saving Advice Followers

December 14th, 2018 at 02:43 pm

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

Mortgage Sold

December 12th, 2018 at 07:58 pm

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. 🤦🏽‍♀️🙄

HOA

December 7th, 2018 at 03:54 am

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. 🙄🤦🏽‍♀️

Second Job

December 6th, 2018 at 03:33 am

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