Amber's Personal Finance Blog

Just wanted to wish every one a joyous and safe holiday

Merry Christmas





Happy Kwanzaa

Darn it I had over drawn on my checking 1 account. I thought I paid the cable bill on a different account so $19.63 was transferred from my EF to cover today's transaction But what is bothering me is that there is no fee being shown and I am sure they'll be charging me and I have no clue what the charge would be to transfer funds
Further more I got off work today at 3 and the gym closed at 4 so I was unable to make it today which annoyed me and they'll be closed tomorrow, so 2 days missed
What a way to end the week

Not sure if anyone could use this after X-mas coupon at Macy's but it's $10 off a $25 purchase
I'll be using it for a $15 gift for my nephew's birthday

http://www1.macys.com/dyn_img/site_ads/AfterX_Mas-10off25.pd...

I decided not to bring lunch today because the boss always take who ever wants to go out for lunch, well today he decided he was going out with an old friend so I had to buy lunch Cost me $5.17 so I added $10.34 (matched the amount spent) to my challenge/cc

Added $2 to the challenge for having breakfast at home

Well I made breakfast again so $2 was added to my challenge, I am truly loving being back on track with knocking this debt down

Went through all the surveys I particpate with to see if I had any cash haning around to collect and here it is
Lightspeed $15
Pinecone $21
Surveyspot $7
Surveysavy $3.50
Inboxdollar $28.34 (this was after they charged me a $3 processing fee)
Total $74.84
All in which once received will go to house fund
Oh and I forgot went to the gym so $2 added to the challenge as well as I ate my packed lunch so another $2 added

I was so Blessed today, a patient brought in gifts for everyone's kids and even though I do not have kids he gave me gifts for my God daughter and her sister two gifts I do not have to buy nor could afford...one was even a bike
There are some kind people out there

Added $21 to my house fund (one of my challenge accounts) from money earned from Pinecone

I paid another $2 towards my BoA cc for preparing my own breakfast I also brought lunch today but won't add the $2 until I actually have it. Sometimes I change my mind and go out
It is amazing because as long as I am blogging I am saving and the minute I stop is when I spend, spend spend

I did my own hair today so
I added $35 to my house fund. Then I went to the gym and added $2 to the BoA cc

Hit the gym today and had a great work out, well worth the $2 I am adding to my challenge in addition I am starting to feel great

Went to the gym at 12:30am, I love the fact that their open so late because I can take my time a really learn how to use the euipment. Tonight was the ab machine with the medicine ball, I still haven't figured out how to use the tv on the elipitical. I hit power and nothing
In the end $2 was added to my challenge

Being lazy cost me an extra $14.12 towards my cc. I went to sonic today and had dinner for $9.06 plus a $1 tip so I always match this amount and pay towards my challenge (BoA) cc. I just did not feel like making dinner at all

When ever I go to the dentist it always cost me an arm and a leg, today was $150 but I am too upset to go into details. Any how I went to Penney's and got 1 Christmas gift for $2.28 I love those Penney's coupons. Next hit the gym so $2 applied to the cc

I am so sore, went to the gym and worked out over an hour. hmmm I don't know if it's all new to me, why I enjoy going or because I'm single and killing time but either way I enjoy it and look forward to going tomorrow. In one week I have lost 1lb I'm really not trying to lose weight but hey I'll take it. In addition, I am beating my distance on the elipitical every day
So $2 more paid on the cc for the challenge

I know I know $2 here $2 there but hey it adds up. I paid $2 on my cc today (part of my challenge) because I did not go out for lunch. I am sure the people at the bank are wondering why I am paying only $2 here and there but it works for me. Thus far this week I have paid almost $100 on my cc, not just in $2 but doubling up when I did dine out in addition to the $2 for going to the gym. I'll have to post later tonight the total, I am actually curious

Added another $2 to my challenge (BoA CC) went to the gym again last night. I really enjoy going before I was a little nervous but I plug in my iPod and tune every one else out. I can really feel the difference. Not only am I getting fit but I am knocking down my cc debt as well because every time I go to the gym I add $2

I added another $4 to my challenge (BoA CC) in all a total of $10 today
why another $4 well $2 for not buying lunch and another $2 for going to the gym
It's strange I almost did not make it to the gym today but I was feeling sort of down so I made myself go and I am feeling much better. I may go back a little later to use the step machine depending on how I am feeling

Today I paid $6 on my BoA CC for the challenge
$2 for not buying breakfast today
$2 for not buying lunch yesterday and
$2 for going to the gym yesterday
at teh rate I am going I should have this cc paid off by May or April or even sooner

Thank goodness I am rockin' and rollin' with this challenge, today I made breakfast so again I added $2 to my challenge and I am going to return the showel gel today so that will be another $20 added back to the cc

Since I have been back and blogging I have managed to not do any wasteful spending and add to my challenge in attempt to pay my debt off for the third time...lol
Today I returned two items a pair of unwanted or needed stockings for $10.64 and a small speaker for my Ipod for $10.53 both were purchased on the cc. Tomorrow I will retun some body wash and shower gel for $20 that I do not need because I have a ton of it, as well as a carry on that I bought for $24
Once again I forgot my lunch or snack so I spent $3.40 at BK so $8.80 was added to my challenge, well paid on the cc plus I went to the gym so $2 was also added to my cc as well

Well I wasn't planning on going to the gym today but I made myself go since I am paying for it and glad I went.
So $2 went towards my challenge which is the BoA CC.

I was unable to pack lunch today because my uncle ate all the left overs which I was not aware so I ended up buying lunch costing me $9.89 so I paid $19.78 on the BoA CC for my challenge. I have decided that when ever I eat out I am doubling this amount and paying down my cc which is part of my challenge. Oh well

Paid $2 on the BoA cc...I am so proud of myself I have not been dining out so I have been adding a couple bucks to the cc. Hopefully I will get it down ASAP

Paid $2 on the BoA CC (challenge)since I went to the gym. I figure $4 a day for 7 days is $28 and for the month it will be $112 which is a plus
Tomorrow I will make breakfast and pack my lunch which is another $4 in addition to going to the gym. As long as I am blogging/being accountable... I should be able to get this debt down again

Added $35 to my challenge because I washed and colored my own hair this week
I am also going back to the gym but until I actually go I am not adding the money to my challenge
New total $1067.00

So far I have added a total of $6 to my challenge/home fund. I have gone to the gym three times since Friday and every time I go I add $2. I am really liking this whole work out thing. I was on the treadmill for minutes and managed to beat my last distance; in addition, I upped my weights for my abs work out. However, I did not work on the legs today, I was told I should do every other day so tomorrow I will work on them but I plan on going back this afternoon
New total $1032

For any one who is tryng to join, I got this email the other day:

Dear :
PineCone Research continues to grow and we invite you to help! We are offering select members the opportunity to recommend membership to a friend or relative who is NOT a member of their household.
Do you know of households that would like to join the PineCone Research Panel? If so, please FORWARD A COPY of this email to each household you would like to refer so that they may click on the registration link shown below. That household should complete the registration form themselves and submit it. REMEMBER THAT ONLY ONE PERSON PER HOUSEHOLD MAY REGISTER. Multiple registrations of the same Household will void all registrations.

Here is the link to the registration:

http://www.pineconeresearch.com/signup/ds530Referral1.asp
As a member in good standing, you've already seen the benefits of being part of PineCone Research. So please, share the benefits of membership with a friend. Just don't forget, please don't tell them about any of the products that you have seen in our questionnaires or tried in your home. Remember, it's important that your PineCone Research survey and product testing experiences remain confidential.

If your referral has any questions, they can email us at scott@pineconeresearch.com or click on the attached links to learn more about PineCone Research.

http://www1.pineconeresearch.com//about.HTM

http://www1.pineconeresearch.com//policy.htm

While this is not a paid referral program, we genuinely appreciate your help in spreading the word that PINECONE IS GROWING!

Thank you,

Karen Scott

Web site: http://www.pineconeresearch.com
Email: scott@pineconeresearch.com

If you wish to opt out from receiving future emails from PineCone Research, please click the link below:

http://www1.pineconeresearch.com/OptOut/OptOut.asp

Woke up this morning and the only thing that was on my mind was going to the gym. I do not know if it is because this is all new to me and I am simply excited or what but I went anyway and am glad I did. I love the treadmill I did another 20 minutes, worked on my abs and legs again but this time I reduced my weights and was able to go a little further. Next week I meet with the personal trainor and he/she will set up a program for me to follow. So I am adding another $2 to my challenge for the gym.