Amber's Personal Finance Blog

Ok tomorrow is payday and I need to decide what I am doing, actually this is more of a mental note to myself

$300 EF
$25 IRA
$10 Misc Account
$75 Challenge/home account
$20 Car account
$20 Tuition account
$50 personal account
$500 total savings
$136 FPL
$38 Home phone
$65 cable
$20 student loan
$20 Tithes
$779 total spent
Approximately $260 will be left if that is the case it will be going into the EF

But I hate lending money, mom just borrowed $50. I don't mind lending money to my mom because she never borrows it's like once in a blue moon and she'll pay back with in one day and if she borrows it's because she just doesn�t feel like going to the bank ( being lazy). Any how I simply hate lending money I do it because I never know when I will be in that situation but what bugs me is people tell you I'll pay you on Friday and ten Friday's will come and go before you get your money. Right now my sister owes me $300, my nephew $30 a friend $50 and my mom $50 a total of $430 not earning interest (not that it is a lot) Another thing that bugs me is the people who owe you money always can find other things to do like get their nails done, do some shopping, take a trip all of this before you're actually paid back.
Come Friday I am calling everyone

Well I got a cc offer in which I was approved no fees much lower interest rate from HSBC so I am closing my other account that I have a fee ($69 a year). I know this will hurt my score but I do not plan on buying a house for a year and I have no balances on anything not even my store cards so I am good to go, I hope either way I was planning on closing this card before my year in June. You know now as I am blogging I think this was a bad idea maybe I should not have answered the promotion, darn

took the stairs today and now I need to add a buck to the challenge and went to Publix who had BOGO on Oreo so I am adding $4

New total $562.44

Guess what, I go to class today and the instructor decided the project is due next week....boy am I pissed. Every one says she is notorious for changing her mind and she did Any how I was able to find a author, a college professor a friend of a friend who took the time out to answer these stupid questions but anyway, just wanted to vent

I have this class project that is due today, the assignment was to locate a prfessional writer and interview him/her...well guess what I have yet to find that person, I went to the library and contacted my local paper with no response. Now I am ticked off, my first failing grade because I can not locate a professional writer

I know something is better than nothing, but I only earned a $1.97 in interest. I deposit at least $50 a month to my IRA and at my age I am aware it should be more, but I am just a little dissappointed seems like I am not making any progress. My job offers nothing towards retirement so it's just me and now I am trying to save for a house and EF as well...I'm stressed

My sister called me all day worrying me to death about borrowing $300 and I got so aggravated I went ahead and lent it to her. Now she says she will pay me on Thursday, which I know is a joke. I can kick myself right now

Logging into my account, I pretty much check my checking account on a daily basis and for the last few days I can not log in. I am really annoyed

Did not spend a dime today. I already went to my dad's so I'm in for the rest of the day. Now I'm adding $1.05 to the challenge

New Total $557.44

I was reviewing my spending for the month, once again I am over on dining out and clothes

Income
Other Income
Other Income - Unassigned $22.21
Total Other Income $22.21
Refund $151.97
Wages & Salary
Wages/Salary Unassigned $1,295.20 1,295.20
Total Wages $1,295.20
Total Income $1,469.38 $1,469.38

Expenses
Automobile
Gasoline $58.08
Maintenance $222.58
Total Automobile $280.66
Bills
Cellular $75.52
Online/Internet Service $60.52
Student Loan Payment $56.00
Total Bills $192.04
Charitable Donations $21.00
Clothing $98.71
Dining Out $43.54
Education
Books $92.25
Supplies $5.77
Tuition $357.70
Education - Unassigned $1.97
Total Education $457.69
Gifts $15.00
Groceries $62.58
Healthcare
Dental $11.65
Eyecare $11.94
Prescriptions $15.00
Total Healthcare $38.59
Household
House Cleaning $5.14
Total Household $5.14
Job Expense
Non-Reimbursed $10.25
Total Job Expense $10.25
Leisure
Newspaper $2.25
Total Leisure $2.25
Miscellaneous $149.11
Personal Care $47.51
Sales Tax $20.07
Snack $0.60
Taxes
Federal Income Tax $117.06
Medicare Tax $18.79
Social Security Tax $80.30
Total Taxes $216.15
Expense - Unassigned $14.14
Total Expenses $1,675.03

Income less Expenses -$205.65

Hope every one is enjoying there day off, it is a little gloomy here in sunny south FL but at least I am off. I have to go and check on my dad today, other than that I have really nothing else to do...maybe study a little bit; I don't know we'll see

My sister called to borrow $300, so i said to her if I do not take my car to the shop she could borrow the money. Well she wants me to hold off....now isn't that selfish I was so upset, why would I hold off from getting my car fix to lend her money. Not only that the person who will be doing the repairs works at the dealer and I get a break so I have to take it in when he is slow. Talk about selfish, I guess in her eyes
I am just a walking bank

I am happy sold an item that was relisted on Ebay for $10 so I am just waiting for the funds to be transferred and then I will add this money to my challenge. I am so happy, I have a couple of other items to list hopefully those will sell as well

Added another $2.79 to the challenge, Publix had BOGO on cranberry juice so I saved $2.79 and added that amount to the challenge

New total $556.39

I have two hours left until the auction ends for the items that I am selling on Ebay. This listing and selling stuff is not as easy as I thought. I did offer free shipping, I have two people watching but no bids we'll see. I will just keep listing and see how it all plays out

I just listed another textbook on Amazon, I hope I can sell this item. This is my first time listing with them so we will see

I signed onto my ING account, and what did I see a Happy Birthday post with a cake...that was cute. My birthday isn't until Wednesday but I thought it was cute anyway

Ok I have added $9.85 to the challenge, just rounding up my change. I can not wait until payday seems like I will have atleast an extra $200 to add, we'll see. Anyhow my new total towards my dream home is $553.60

I am over my dining out buget by $1.00 so I have to stop for the rest of the month which should not be to bad. Today I prepared breakfast and will be home for the most part so I should not get the urge to spend a dime

Ok I just had my car fix and now the radiator is going I guess I'd rather spend a couple of $100 than to have a car payment, especially since I want a house. Anyhow, my uncle says I need a new hose and he showed me but I told him to take it his friend who works for Toyota and give me a brand new radiator (mine looks corroded and I is just a matter of time) and besides I get a discount anyway so I may as well fix it properly, and since I am on a mini vacation I may as well take care of everything ASAP

ok we hired a new girl about a month ago and she just don't get it. I have told her over an over regading the clothes she wears to work, all the personal phone calls, to be careful with the schedule.. because she keeps messing up. I even gave her a spiral notebook to keep track of calls and what patients request that way she won't forget (she forgets a lot ) and she just won't do it. Well on Friday I told her to call the afternoon appoints for Tuesday and reschedule, well of course she didn't and I did not say a word, see I am celebreating my birthday Wednesday and will be on vacation untl Thursday, so when those patients come in and there is no therapist she is going o be in for a rude awakening. I guess she has her own agenda, and that is not to be working

Took the stairs today so I added a buck to the challenge. I also got paid from the part-time job so I rounded down and added th e difference ($35.44) to the challenge as well so I am happy. My new total is $543.75 I can not wait until I am $1000. Goal is to have $1000 in the challenge/home account by mid February

I decided to take the stair challenge, so every time I take a flight of stairs I will add a dollar to the challenge. So I am adding my buck, I was sooooo tired. I took the steps at school today,I know I am out of shape

Challenge/home New total $443.26

I had to relist my items on Ebay but this time I offered free shipping, I hope I am able to sell both of these items. I will list some other things later this week and offer free shipping as well. We'll see, I am just trying to make some extra cash some how

The only money I spent today was $.80 for a notebook that I needed to school, so I am adding abuck anyway to the challenge debt/home accounts. I have automatic transfers of $25 to the homeaccount once a week which just occured so I am happy I may have a $1000 by mid Feb, that is the goal

So new totals
Challenge/home $442.26
Challenge/debt $829.03

Classes start today and I decided on two rather than three. I don't know three would have been over the top since I also work a part time job. Well at least thus far I did not have to place anything on the cc's for school so I am happy with that. I am just hoping there are no group projects but I am sure there will be... I hate those

Ok I am adding $4.95 to my challenge/home account, I ate out for lunch today so I have to match this amount. New total $416.26

Ok I call the book store at the college (big mistake) for cost of trxt books. First they will not give you the ISBN number, I guess they are afraid we will find the book elsewhere at a much lower cost in which I did. Anyhow they are selling a 1997 edition for $89 (used) get out of here I found the same book on half.com for $15(used) and Amazaon for $20 new so of course I went with the new on and as far as the others I will go to the book store not too far from the college which is usually $3 less and buy the book get the ISBN number and check prices elsewhere. The only problem is I think the book that we are using is a FAU college edition we'll see

I met this guy, who is 20 years older than I am but he is a nice guy. He's funny and appears to be caring but it is the age that I am worried about; I have known him for awhile butFriday was our first time spending some one on one time together. I have not dated any one seriuosly for almost 4 years now and would like to settle down but to actually date some one who's kids are the same age as me is a little bit scary