Amber's Personal Finance Blog

yippie it was payday today from the part-time job, there was amemo that we may get paid on Friday due to the holiday on Monday, but everything worked out and I am happy. I made an extra $13 after taxes for the tqo extra hours I worked not a really big deal but I am adding this to my challenge/home account. The goal is to have atleast $10,000 saved for a new house by December '08 so every little bit helps

New total 263.58

Added another $15 to the challenge/debt which is now my student loan and no cc debt...I love the sounds of no cc debt. Anyhow my new total is now $889.03

Last year my goal for 2006 was to be debt free,well I have pretty much come close...there is no cc debt but I still have my student loan. Now the goal is to pay off student loan and save $10,000 by December 2007 as a down payment for a home. The goal is to save the 20% by the end of 2008 and with no cc debt and student loan that should be really easy as long as murphy stays away

Well I just added $22.53 I usually transfer $25 but things were a little tight but atleast I was able to transfer something

New total $249.79

It took a holiday for me to have a no spend day....lol so I am adding a buck to my student loan debt since I no longer have cc debt, just needed to say that again

New total $904.03

I had to send an email regarding my $30 rebate that was mailed to me on the 23rd of November, now I have to wait another 15 days i order to have the 2nd check reissued...that is nice

just got in and my mom tells me she gave a pair of my undies to my little cousin without consulting wth me first. I may not have been upset if it was a pair of shorts or a T-shirt in which I have a ton of but my underwear? now I have no clue wich one she gave her and I buy expensive bra and panty set which I am sure she gave her a pair of nice ones.I am really ticked off. Not only that but she gave hr room up to a 3 and 5 year old to share my small bed with me which is a double/full so you can imagine with two adults is going to be a pain...you think she would have pumped up the blow up mattress but no...what a way to spend x-mas eve

I was a afraid to look but I had no choice here are the totals thus far for the month
Gas $52
Maintenance/auto $70
CC Finance charges $5.13
Cable %65.87
Cellular $93.15
Electric $104.38
Internet $60.42
Student loan $65.35
Telephone $38.22
Chariatible donations $50
Clothing $310.70... not good at all
Diningout $119.45
Gifts $349.92...way over budget
groceries $51.90
Dental $11.65
Prescription $15
Auto insurance $207.44
Newspaper $125
Loan to family $230 (can't wait to get this back)Misc $287.19
Peronal care $153.84
sales tax $49.72
Being that it is the holidays I am giving myself some slack but it is back to business next month

I just paid off my last cc, my mom was to give me the money for the microwave and i told her not to worry about it and consider it a X-mas gift...so I am prod to say I have no cc debt. This is the first I have always had a credit card debt, now I just need to work on my student loan

Just wanted to wish every one a
Merry Christmas

My brother and his family came down wednesday but my nephew who is three was at his aunt's, anyhow I got to see him yesterday and boy did he have a lot to say. He was up so late talking away, at one point I said to him I was resting my eyes and then he said are you sleepy? and I knew then it was going to be a long night...but we had fun just talking as he would say

I am scared to review my X-mas spending, I went out and picked up additional gifts today. I previously stated I did not want to spend too much money but it did not end up that way. So a little later after work I will have to check, atleast I can say my bills are paid in full

We had our x-mas party at the office yesterday and I really don�t know why we do it, some one always complains and some one always give a crappy gift. My gift that I was received was decent, a margarita mixer (since I like apple martini's) and a small digital camera. But my co-worker who I like received a Christmas ornament for about $8; we were supposed to spend $25. Then my boss was complaining no one ate her dish, I know I had some and so did the people I was sitting with. I mean give me a break there was so much food there and every one taste every thing. I hate these parties

Finally got one of my rebate checks for $20 and now I am waiting on the $30 check...sometimes I wonder is it really worth it

I paid bills today, I am so happy because this is the first time in my life when I can actually I do not feel like I am living check to check. So today's spending:

CC $263 paid in full
Cell phone $25
Cable $65.87
X-mas gifts $58.66
Tithes $20
Dining out $9.74
Personal $40 (hair, I was over charged )
Student loan $20.00
Water $41.39

I was hoping to sell my books like ASAP unfortunately that did not happen. Thank goodness I can keep them listed without a fee, hopefully I wil sell them next month right before classes start. I have my fingers crossed

I finally paid off the last cc I had I am jumping for joy. The only problem now is my mom ask me to pick up a microwave and she owes me for ( I ended up putting this on the cc in order to keep everything seperate) and I also picked up a gift for her friend who will pay me back for her gift . So basically I have met my goal for 2006, no cc debt. However, I won't start dancing and screaming until I get my money from my mom and her friend

I added my weekly $25.00 the challenge/home brining my new total to $227.68. I also paid on my student loan $20.00 brining this new total to $905.03. So I am happy with that

Ok I jut went through everything and needed to place a note here regarding all the money owed to me. My sister jus called to borrow $200 I wanted to tell her no but I went ahead and did, I know come Friday when she is to pay me back I will regret it. My nephew who borrowed $30 was to give it back to me on Saturday did not say one word to me and I did not say a word to him, because I am sure when he wants/need to borrow he won't be able to ask due to embarrassment from not repaying me. Then there is a friend of mine who owes me $50 bringing my total owed to me to $280. Boy I do not miss those days when I use to borrow or return items to the store because I needed cash for gas, food or what ever

I am feeling more confident than ever regarding my debt...it is nice to have little and almost no CC debt. I just paid another $7.00 on my student loan matching the money I spent out at Panera's bringing my new total to $925.03

I just listed two of my books on half.com I hope I am able to sell them. This is the first time that I have done any thing like this...so we will see

I just paid what was left in my regular checking account on my student loan which was $3.35 brining my new total to $932.03. The goal was to be debt free by 2007 but it looks like I am going to only be cc debt free, that is still better than nothing

Just paid $8.00 on my last cc brining my new total to $263 I can not wait until payday when I can pay this debt off and have no cc debt it isdriving me crazy. I am thinkng about transfering funds from the EF account to pay it off, but a few more days won't hurt

With only 10 more shopping days left I am not sure on what to get my god daughter she is one but I havenot idea. Then there is my neice and nephew...for my neice I was thinkng about a cheap little mp3 player and my nephew who is 3 I am just unsure. I better get a move on thins ASAP

We have our office party next week; at least I made out ok. The minimum amount to spend is $25. The person whose name I picked like liquor and I have another friend who owns a liquor store and was able to get her a bottle of liquor at no cost to me. So I made out like a bandit

I got a $159 bonus from my part-time job as a bonus and a $25 GC to use pretty much any where. So the next pay check from my full time job I will pay off my last cc and any out standing bills. Wow what a nice treat

Went to our Christmasa party for my part-time job and it was so nice. I really enjoyed myself and if I am there next year I will attend again. My full time job should really take note on how to throw a party. Now tomorrow I'll pick up my bonus check...this week is ending on a good note

Just rounding up my change and added $.42 cents to the challnege giving me a new total of $202.62

Today was a no spend day so I am paying a dollar on my cc debt/challenge. I also tried calling Macy's regarding my balance due which i show I have a $32.99 credit and they show $1.04 big difference but I was on hold for so ong waiting for a rep I just hung up. I have to call later

I added an additional $25.24 (my weekly deposit) to the challenge/new home account, new total $202.20 and I also paid $59.76 to the challenge debt account so I am happy. I am able to continue to sock away my $25 a week