Amber's Personal Finance Blog

Sorry for the long post:

Broken Arrow had a post about a friend who bugs him now it is my turn.

I have a friend who bugs the crap out of me, every time I talk to him he is whining about money; but he won't look for a job.

He's hinting to me constantly that he needs money and things are not looking good. Well finally today he says to me if I could let him hold something, that�s right "hold" he didn't ask if he could borrow but hold, which bugged me even more. Then I say to him how much, he says $200. I immediately thought you have got to be kidding me, there is no way in Hell I would lend, well give him $200 especially if there is no reasonable way he will even pay me back since he is not working(hint hint)

A few months ago he gave me $45 and you know what I am going to give him back the same $45, I knew it was a mistake to take money from him as a gif I just knew it

Then when I told him I did not have the $200 he starting laughing as if I owe him something and that I was lying, anyhow he says to me you're the one with all the assets...I thought you SOB (sorry) even if I did, which I don't it is none of his business. So I say to him that is even more reason why I do not have the money because I have too many bills to pay

When I give him back his $45 I will definately loose contact with him.

This is the same sorry guy who ducked and dodged his landlord for almost a month after the guy let him move in with out paying first last or security and then he had the nerve to tell him off. Mind you he is good friends with my ex who is also use less what is that saying �birds of a feather flock together� or �two peas in a pod� these two are two of a kind a bunch of losers

Now he is doing little side jobs with him (his landlord) with out pay to cover his rent. And still will not look for a damn job

People just simply amazes me, here it is you work hard to pay down your debt so you can live comfortably, save as much as possible to reach your goals and you are suppose to lend a person who is not working $200, you have got to be kidding me

What bothers me the most is he thinks oh she lives at home, has a new car, nice clothes etc� but damn it, I work hard for the things I have. I drove an old beat up car for 3 years before I got my �used� car. I am sacrificing a lot living at home ( no privacy) and I am working two jobs and going to school, does he not know the term �opportunity cost� you have to give up some things to get something else

Rather than buying $10 bags of marijuana on a daily basis he would have money to pay bills, how about cutting off the cell phone and the cable or even sell some things

I am so sorry for the long post but I just had to let it all out

Since I have joined this site I have been able to get my finances in order. I can't not believe that I am almost at $7000 saved. Just sitting there, I just can not believe. I am positive that there are a number of you who has three times as much but this is a big accomplishment for me I can't ever remeber saving so much money and not only that I can actually see my dreams of owning a home next year coming true, as long as I stay on the same path

I am just excited I WANT TO SCREAM!!!!!!!!!!

New balance 6652.23

Got my bonus today, $1399.30. I tried to py off a cc but they only allow two payments for the month, so I have to wait to pay it off. In the mean time I added it to my challenge

new total $6615.47

My ebay auction is ending soon, I have no bids but 5 peole are watching so hopefully the item will sell

keep your figers crossed

I just checked my grade for the research class I was taking and got an "A" I am so happy, that class really stressed me out, I know I will have "A" for the technology course, now I am just studying my butt off for my management class, that is the class that I really did not apply myself but I got an "A" on my paper, plus he gives 25 extra points in addition to the 9 points extra for the final paper. I am pretty sure I will get an "A" on that but I definately need an "A" on the final in order to pass the course so I am not out of the woods yet. I also added $25.59 to my challenge because that what was left in my personal account for misc. stuff

New total $5112.85

Well the bag I bought yesterday is listed on Ebay and hopefully some one will buy it. I bought it just because and now I can not return it one of those heat of the moment purchases. Keep your fingers crossed

I did some shopping yesterday and spent $175. I will be returning the perfume ($55) and the purse I can not returned so I posted on Ebay all I want is my money back ($66) the other stuff I am keeping
On a good note I added $4.13 to my challenge giving me a new balance of $5086.53

For a new house that is. I notice that every dollar or cent for that matter I have saved I have added it to my house fund. I always talked about saving for a house but never really did. If I save with coupons I add this amount to my house/challenge fund, if I pay bills on line I add the amount I would have spent on stamps, if I do not eat out I add a dollar. I also round up my change and add that to my saving. I am so happy but with the housing market the way it is and the prices are still really high I wonder if I will be able to purchase a place and afford it

They are pathetic. His mom has been on welfare since I can remember and is not making an effort to get off. His sister is pregnant with her 4th child and four different fathers and of course she is on welfare and is not making an effort to get off. His youngest sister who is 17 just had her second child at least this is the same father but of course she is on welfare and like all of them including the parents has not finished high school. Now he is in jail (my ex) but here is the kicker and the point of my venting his dad who never calls to say hello called me up because he needs a loan. Mind you he supposedly is a roofer who never has a roof to fix. He does more riding around more than any one I know. Grant it times are slow due to the housing market but what about before the slump. I have lent or should I say gave him money in the past in which he has never given back and I refuse to give him money again. I just don't get it, at his age would or shouldn't he and his wife want more? My ex mother in law once said to me that she bought 7 book bags for her grandson because she wanted his book bags to match his clothes and yet her light were off. Go figure just a bunch of losers

Just received a $9 check for completing a survey so I added this to my challenge
New total $5082.32
I have also been saving by utlizing my ING check card. They're paying 1% from now until December 31 for using your debit card as a cc so I thought why not. I never use this account but I thought why not especially if they are paying

Just wanted to wish everyone a Happy Thanksgiving

But I have to note the things that I am thankful for:
-Roof over my head
-Food
-Family/friends (including you guys)
-My health
-Money saved so that I am not living check to check
-clothing on my back
-my jobs
-my education
-transportation to get to and from, and
-Electricity and running/clean water
-God who watches over me

I never used them but I did today and saved $1.50 so that was added to my challenge.

I have also been doing very well with the dining out this monyh only $15 was spent

but I went to the dentist and that set me back $425 plus I'll have to pay another $425 for my crown This really sucks

I forgot to add my weely deposit of $25 to my challenge, giving me a new total of $5071.85

Can't wait to get to $6000

I saved $20 today by washing and cleaning my on car. I normally pay some one because I am too lazy, so I got up early cleaned my car, it looks great. I am adding the $20 saved to my challenge as well
New total $5046.85

Hit my $5000 mark, I am so happy. I added $41.54 to the challenge to reach my goal. I also paid all my bills extra on the CCs and still had $400 left. I even socked away about $300 tomy EF,X-mas accountand IRA so I am really happy

There was a time when I looked at my friends and thought how could they get that, why I am still living at home,how come I can not get ahead and I am saving? Well now I know why, it is because I am not living above my means. I just found out an old friend who up graded to almost a half million dollar house is now behind on her mortgage. And the crazy thing is her parents borrowed the money off of their house ($3500) in order to help her pay for hers. Now is this crazy? What is going to happen next month? She is basically two months behind well one since her dad borrowed the money. And I have another friend who is closing next month on a house and has not sold her last one and yet complaining about money

Because I am a eating out fanatic when ever I don't I consider this a saving so I add a buck to my challenge. and today was another day, I am so proud of my self not only am I really saving this month fornot eating out but upping my challenge as well. I am $30 away from meeting my $5000 mark I am excited
My new total $4970.64

Well I am really saving by not eating out, only once this month and that was because I was sick. Today I stayed in did not buy lunch so I added (well rounded up) my change of $.85 lol to add to my challenge

New total $4969.65 So I am happy

I also completed a survey for $2 but won't add until I get thefunds

I am referring to school, this semester has driven me crazy. I just finished up one paper, well not really finish I have to complete my conclusion (1-2 pages ) but other than that it is all finish all seven pages. This is the class that I am not doing to well in I have failed all my tests (2) but have gotten a 100 on my first paper. Plus he gives us 25 points just for showing up and I know my second paper will be fine so I should at least get a "C" in the class. My research class is just what it is research, I have computed so many graphs that I want to jump out of a window but at least I have an "A" in that class. Then I am taking an internet course and more writing

Going to school full time and working full time in addition to part-time is tough. Next semester I am only taking 2 classes I need a break

How I saved today was by utilizing buy one get one free at Publix and adding this amount to my challenge ($8.28) Went to Publix they had BOGO on chips and bacon so I lucked out today . I also rounded up some change (.17 cents) and added this to my challenge as well

New total $4968.80, at the rate I am going I should reach my $5000 mark. It is embrassing to say but at the same time a huge accomplishment but I have pretty much never had more than about $500 saved and to have almost $5000 I feel like screaming

Yesterdat I drove into McDonalds and drove right out with out buying a thing so I sved $5 in which I added to my challenge

New total $4960.35

I hate team work , my instructor suggested that we team up and was really encouraing it. Any way a classmante that I have had in my class for a while we decided to team up ( I thought this was a great idea) She actually teamed up with another classmate on the last assignment and was upset because she stated "she did all the work" Now I am starting to wonder. I thought we would both type up an essay about what we thought about the assignment and combine the two, wrong. She basically took over, I sent her my work and her comments were "it is all right" All right I worked my butt off not to mention I am the one who greated the graph for our assignment that she will be using. Grant it she has a high grade in the class and I have an "A" so why is she so dead set on not incorporating my work? I am PO'd
I think she did the same thing with her last partner who did not mind, but I want to learn, I want to know if I am interpeting the graphs right

Today was a good day, I did not spend a coin; so I added $2.40 to my challenge since I did not buy breakfast

New total $4954.40

Saving. Since this new challenge I have been trying think of a million and one ways to save.

Yesterday I was sick as a dog almost did not make it work but I did. Unfortunately since I was so sick I ended up not cooking and buying lunch which was also dinner today. That was $11.05, in an effort to save I added another $11.05 to my challange to match the funds that was wasted.
I also rounded up some change and added that to my challenge brining my new total to $4945.60

I am always clipping coupons and never using them, well today I finally did. Saved a $1.75 in which I added to my challenge

I had breakfast at home so I am adding a buck to my challene. I am definately try to reach $5000 before the end on the month

Just a reminder to every one, don't forget to change your clocks

I just had to post this my friend spent $3000 for a birthday party for a 2 year old. Is this crazy or is it just me, I have never heard of such a thing. I wonder what she's going to do at the next one. She had planes trains and cars this is just STUPID

I love this new idea about "How I...saved" each week I am depositing $25 to my challenge acount.I use to do this thing with my mom, in which I gave her $25 a week to hold for me and then when it is my turn to gather my draw I would get a big lump sum , I did this because I was and still am at times struggling with saving but I have gotten much better. So I decided to add $25 a week to an account that I can earn interest

New total $4929.88

It's noon here in FL and I will be going to work in 2 hours I have not gone any where to spend any money so I saved today. I am adding $1 to my challenge for not spending and another $1.18 to round up so my new total is $4905.88. Who saysthat the small things dont count