Amber's Personal Finance Blog

I am in the football pool at work, wish me luck. I can use the extra cash

Today will be a no spend day so I am adding my dollar to the challenge early, I don't plan on going anywhere at all

new total $840.14

Ate out for lunch today so I had to add the match amount to the challenge, new total $842.36

Ok as you all know I work at a part-time job on the weekends and this is where I get my studying in. Anyhow there is this idiot on the job in which no one can stand, he complains about everything and everyone (he can not be trusted) any how I have been here since May of 2006 and have worked with every manager who mind you have seen me studying (one in particular is taking classes as well and studies when he is on) any how Mr. busy body made a complaint that, that is all I do. Can you believe that? Now if he wants to sling dirt I will be more than happy to. For starters, today he sat here for one hour trying to talk to me ( I ignored him as much as possible)not to mention that his wife comes here at 10:00 every night that I am here and sits with him at the guard house until 12pm (when he gets off) now shouldn't he be working? Not only that what if she gets hurt on company property in which I remind you she should not be on being that this is private property and if you are not a resident or employee you are not allowed on the property. I am soooo ticked off the only reason why I will not say anything to him is because the person who told me I like. Now for the hour that he was here with me he wanted to know what the other guy did, so I asked him why is it any of your business his response was 'because he only noted once on his log that he checked the doors" mine was 'again I ask you why is it any of your business, you are not management he has been here for 3+ years and no one else is complaining, doesn�t management "read" his log to see that he has checked the building once, so why I ask again is it any of your business" he got the picture and left. I mean come on is his goal is to get everyone fired? He complained and had a meeting with management because one of the guards said to him stop acting like a baby. Not only has that he brought in his laptop, TV magazines and other things when he knows he is going to be on the desk. Just mind your own business and long as my work is complete and no one in management is complaining then mind your own (bleep) business
Sorry but I just had to get that off my chest

Yep I treated myself today to a wax (eybrows and chin...lolo) and aa manicure. Cost $30.00 including tip, I ended up only adding only $18 to the challenge, but I had a nice day

You will not believe what happened to me today, I almost forgot to post. Any how I am on my way to school and get to the ed light, well this girl get out f the car walk around to the driver side and pulls her pants down to urine. CAN YOU BELIEVE THAT? I was shocked , I mean who in their right mind would do something like that? i wish I had taken the tag and called the cops

I was not planning on going to class today but since my nephew woke me up I decided to go, glad I did. I took the stairs so therefore another dollar was added to my challge

My prescription for glasses did not change so I get to keep my current glasses for another year at least, that saved me some money. The eye exam itself cost me $99 not too bad and I went back to cheaper contacts every thing worked out today for the best

I hardly ever write a check, other than paying my tithes...well I went to write a check for my tithes and no check. The last time I ordered checks was over 3 years ago. I am soooo upset, now I have to wait for Sunday's paper in order to get the introductory offer for checks

I finally feel like I am making some progress. My EF is at a little more than a $1000 and I just made a $25 deposit to my IRA which pt me over a $1000 so I am happy with that. The challenge/house fund is growing as well and I have money to get my eyes check (with out borrowing or using a cc) and I still have no CC debt, month number 2

Amazon finally paid me for the book I sold so I added that to the EF today was a good day, I got a raise and my book money. I also listed another book on half.com, hopes it sells

well as you know I got a raise today so I added the extra $50 to my EF I also added an additional $76.72 to my challenge/home account as well as another $20 to my challenge debt account

Challenge home account $793.31
Challenge/debt $787.93

here are the totals for the month of January...not too bad, I am glad I got my dining out down a bit, but still high

Total deposits:
Challenge/home $510.92
Car account $65.34
tuition account $64.00


Expense Categories
Automobile : Gasoline $88.08
Automobile : Maintenance $225.08
Bills : Cable Television $67.87
Bills : Cellular $140.25
Bills : Electricity $132.90
Bills : Online/Internet Service $60.52
Bills : Student Loan Payment $97.10
Bills : Telephone $38.02
Bills : Water & Sewer $46.77
Cash Withdrawal - Unassigned $300.00
Charitable Donations $41.00
Clothing $198.83
Dining Out $71.43
Education - Unassigned $1.97
Education : Books $179.63
Education : Supplies $5.77
Education : Tuition $357.70
Expense - Unassigned $0.11
Food $5.00
Gifts $35.00
Groceries $148.10
Healthcare : Dental $11.65
Healthcare : Eyecare $11.94
Healthcare : Physician $30.00
Healthcare : Prescriptions $15.00
Household : House Cleaning $5.14
Job Expense : Non-Reimbursed $10.25
Leisure : Newspaper $4.23
Miscellaneous $235.81
Personal Care $77.29
Sales Tax $30.15
Snack $0.60
Taxes : Federal Income Tax $385.03
Taxes : Medicare Tax $57.22
Taxes : Social Security Tax $244.70
Total Expense Categories $3,360.14

Grand Total -$3,360.14

Yep just looked at my check and I had a .75cent increase now I have to firgure this amount out and start adding to the EF. I am soooo happy

I am bumped for months now I have asked my uncle to take my car to his friend who is a mechanicto fix my a/c. Well he did, but unfortunately the guy had to leave on an emergency and my car is not fixed. I mean I know he has had an emergency but my God...I guess I should look at the bright side I have saved a ton of money but here in FL you definately need a/c

I decided not to go to glass today, I just was not in the mood so I stayed home took a long 9and I do mean long nap)I'll read over some notes and call it a night...I did email my classmates hoping some one will give me heads up on today's class

Yep day two and no spending Of course I am adding a dollar to my challenge brining my new total to $716.59. Tomorrow is payday maybe if my car doesn�t cost too much I maybe able to meet my $1000 goal for January, keep your fingers crossed

yep I had another no spend day, so I added my dollar to the challenge
New total $715.59
Oh yeah and my brother just called and stated he has a ton of books that I can have so I will be listing those on half.com or amazon not sure yet but I am lookin forward to the extra cash

Ok I sold some books on these sites, you're required to ship the item with in 3 days but it takes forever to receive your payment. Amazon states you'll receive your payment in 7 days ( at least that is what I thought) now I get an email today stating my funds will be deposited with 5 business days almost two weeks after my item was sold. Half.com only pays twice a month, this sucks...but patience is every thing

From my friend, who borrowed a $100 about 3-4 months ago. Thank God, i have got to learn to say no when ever anyone wants to borrow money, I just remeber when I use to have to borrow;I guess. Well thank God I got my last $50 and I will be adding this to my EF account, now it is just a matter of getting my $30 from my nephew( I can kiss that goodbye) and $20 from my BIL

Went to Publix today and spent $32.35, there really ween't any bargains but Idid get a bag of oranges for .99 cents in which I tought was a great deal. Any way I added the difference of .65 cents to my challenge (rounding upe the change) so my new total $714.59

Thank God my uncle spoke with his friend who is a mechanic for Toyota and he will be able to look, hopefully fix my car on Tuesday. Getting my uncle to do anything is like pulling teeth, right now my a/c is broken, my radiator needs to be repaired and something else regarding my tire rod(?) either way he will have it on Tuesday and hopefully everything will be fixed for $300 or less if not I'll be glad either way. My car is very old (89 camry) but I really can not afford a car payment right now and it has held up for atleast 2 years

I know it is early but I am not leaving the house until it is time to go to work , so I am adding my dollar to the challenge for not spending today. I was hoping to hit $1000 by February but it looks like I will be about $200 short oh well

IRS has offered a credit for long distance service

http://www.bankrate.com/brm/itax/tips/20070126_phone_refund_a1.asp?caret=1

please check out

I just got my pay stub from two weeks ago and realize that I actually had two hours of OT, now I have to add this money into my saving account. I wish I had this earlier. My boss is terrible when it comes to these things, thank God I have direct deposit

Other than the gas I bought today, I consider it a no send day so I added $1 to my challenge/home account giving me a new total $712.94 I am really making progress. Next I went ahead and added a $1 to both the account that I started for tuition/books and a new car. So I guess I did ok today

I do don't know I always seem to make the same things for dinner, never going out side of the box. So I decided to make wraps and boy they were delicious; I never knew wraps could be so good. I was just driving along to class and thought wraps for dinner will be quick and easy I'll try it and I am glad I

As far as the challenge goes, I added $1 for taking the stairs, another $3.49 because Publix had BOGO on chips so I matched this amount, another $3 for having lunch at McDonald and then about $.70 I rounded up my change...oops I forgot I got paid today frommy part time job so I rounded down and added $35.59

Total deposited $43.81
New total $711.94

From Half.com, almost 3 weeks later. But I am not complaining, now I am just waiting on the $49 from Amazon at least I should be receiving payment with in 7 days, we'll see

Well I broke my week and half of not eating out and had breakfast at McDonald's and then lunch at Sweet Tomatoes spending $12 so I am matching this amount and adding it to the challenge/new home account. I also added my weekly deposit of $25

New total $668.13