Amber's Personal Finance Blog

I really do not want to spend to much for X-mas and I am trying to stick to the max of $150. The younger kids will definately get something butit is just a matter of how much. I have one GD (1yr) a younger nephew (3yr) my mom and my little cousin, but last year my brother, sister and SIL even bought me something,normally we do not exchange gifts but I guess we will thisyear I like X-mas it self but I hate spending all this money

Today was pay day and all I did was pay bills. I did however managed to sock away $485 which was part of my bonus and included my bi monthly contributions to my IRA account I also was able to keep $320 for myself:

Expense Categories
Bills : Cellular 68.15
Bills : Online/Internet Service 60.42
Bills : Student Loan Payment 20
Charitable Donations 20
Insurance : Automobile 207.44
Final loan pmt to my brother 100
Taxes : Federal Income Tax 359.42
Taxes : Medicare Tax 32.48
Taxes : Social Security Tax 138.88
Vacation : Travel 100
Total Expense Categories 1,106.79

Grand Total -1,106.79

I did ok for the month of November other than eating out and clothing, I did a little better:

Category 11/1/2006 -11/30/2006

Income Categories
Wages & Salary 2,076.40
Refund 23.97
Income/Interest 0.52
Income - Unassigned 1.61
Total Income Categories 2,102.50

Expense Categories
Taxes 345.47
Sales Tax 19.31
Personal Care 69.58
Miscellaneous 224.38
Loan 40
Leisure 14.5
Job Expense 2.19
Insurance
Household 9.08
Healthcare 32.03
Groceries 153.34
Gifts 24.17
Expense - Unassigned 115.77
Education 5.66
Dining Out 106.28
Clothing 223.26
Charitable Donations 40
Bills 495.02
Bank Charges 35.68
Automobile 108.92
Total Expense Categories 2,064.64

Grand Total 37.86

Well I added my weekly deposit of $25 to my challenge/new home account new total $150.08 I also paid down my cc debt which is a part of my challenge/debt account. Total amount paid $323.03 bring my new total for cc debt to $447.08. In two weeks is another paycheck and I am hoping to reach my goal of no cc debt by December 31st, that will mean I paid off close to $9000 in cc debt

We got our X-mas bonuses really early this year, I am so happy. Now it is just a matter of figuring out the difference, the boss gave us one big check wich included our regular check. I am so happy because I can payoff ...I think my last cc. We will see

Ok I just bought a pair of Skechters last week ($50.00) and now they are torn So I have to look for my receipt, good thing I saved them ...and return these shoes. Now I have worn them and I better not have any problems at the store or I am going to be more upset than I am right now.

Just checked the status of my rebates, one check was mailed out for $30 and the other is being processed for $20 So all there is now to do is wait

I check the bank an dmy $10 check to the MD's office still has not cleared. It's been over 45 days, how long will they have to cash this check before the bank will not accept. I know that business checks are between 90-180 days but a personal check I am not sure of. This is so annoying. I will be calling them as well.

Boy I tell you it is always something, I tried to get gas today and was unable to open up the tank, now I have to wait until my uncle gets here in order to havfe it open and now I have to leave really early in order to get gas in the AM. I just hope itis something I do not have to pay to have it fixed

Added my weekly deposit to the challenge/home account of $25.03, therefore giving me a new total of $125.13. So I am happy I'm making some progress with my cc debt down as well as my student loan I am very happy. Next month we will have our X-as bonus so I will pay off both my student loan and the last cc I have. I can't wait

I finally came to my senses and decided to get rid of cell phone number 2, which will save me $52 a month and I will beadding this amount to my challenge home account. No need to have a second phone I just need to talk less

Ok I got a card in the mail that my request for y $50 rebate was not processed the company needs proof of previous ownership. So I called and spoke with a Christian ID G-01420 and informed that the software was already installed on my computer he then stated he up dated the records to indicate that and I should be getting my rebate, we'll see. My rebate tracking number is 211210751. I just needed a place to document what took place in case my check does not arrive

Today I spent a total of $33.73
sales tax: .69
Lunch $3.72
Groceries $18.94
Job exp (non reimbursed) $2.19
Personal care $8.19
not too bad for the day, however I have not had a no spend day for a while

I read a blog that stated it seems like all the bills roll in during the month of December...or something similar and that is definately the case. I just got my 3 month car insurance statement for about $204 due on the 11th anyhow, with x-mas and every thing else like my portion of the rental car for the trip to GA ($100.00) all will be due in December. Oh boy

Ok I got my check in the mail from teh part-time job and my GC was missing. Every year during Thanksgiving we get a $10.00 GC I did check with other employees who got theres but when I check was received it was missing. So when I return to work I will check to see if a envelope is there with it and if not I will ask about it

This is just a reminder to myself to contact my part-time job regarding my work schedule this weekend...maybe I will stop by tomorrow before class. We'll see how I am feeling

Ok my brother went to this real estate seminar, which I think was a waste of money but that is my opinion. As you all know I am trying to save for a house so he was trying to explain �Amortization� here I guess you pay your interest in a separate check early to the bank and apparently they can not charge you for it the following month. My thing is this why not pays on the principal (extra each month) which reduces the total balance on the loan as well as the amount of interest paid. Am I wrong is he right, will amortization actually help you pay the loan off quicker than just paying extra on the principal?

Home in FL that is. We just got in from GA and yes I love m family but I am so happy to be back. The weather was really nice in GA, unfortunately I packed all warm clothing and it was not cold at all. While we were in GA we did some house hunting...lol my brother is now into real estate and these get rich quick ideas, I just wish we could have hit some of the tourist site rather than looking at homes...yes the prices are a lot less than FL but none of us was looking for a house and on top of that I got motion sickness from driving so much

That yesterday was a no spend day so I need to pay y dail buck to the challenge
New total $665.57

With a society who loves the idea of being skinny and what others think...while surfing the web I ran accross a article of model who died from complications associated with anorexia.
Here is the link to the story, it is really scary, she weighed only 8lb at 5'7

http://celebrity.aol.com/people/ataol/articles/0,26618,1562645,00.html

Just wanted to wish every one a very very hppy Thankskgiving. Now I look at things and can say I am very thankful for having:
1. God and Jesus Christ in my life
2. We made a safe trip from FL to GA
3. My Health
4. Family/Friends
5. Education
6. Saving account
7. Food
8. Clothing
9. A roof over my head
10. Employment
11. Transportation
12. Life
That's all I can think of right now but I will definately keep trying

Today, I was suppose to leave early; well my co-worker did not show up. Of course it was her last day, we are planning a trip to GA and can't leave now until after 7pm..boy am I annoyed what a stunt to pull

This is just another blog venting about these celebrities. Ever since Rosie has come out of the closet (I have nothing against gay and lesbians) she has been very obnoxious. First she complains about Oprah being gay and she should come out... who cares did she forget at one point in her life she too was in the closet, now she making comments about Kelly Rippa and Clay Aiken. Clay placing his hands over Kelly's mouth is disgusting and I would not be happy if anyone did that to me...gay or not. Give me a break

i ended up lending my friend the $100, she said in two weeks she should be able to pay me back...that's right "should" anyhow I returned the MP3 player and received $63+ back and then had to withdraw $40. I know she will pay me back but I just really hate lending money. I look at my account and I want my money in it earning the little bit of interest that it deos earn. We are going to GA on wednesday and I do not plan on spending anything. I picked up books from the library and will be studying on this little road trip so I am not tempted to spend a dime

I called the doctor's office today regarding my lab test every thing is ok but the $10 check since October 19th has not cleared yet. When I spoke with the biller he could have cared less, he actually stated he received my check but may not have cashed it (?) I thought can you dounle check because I would like to balance my account and have all outstanding transactions taken care of. So I guess I will be following up with him next week

Ok this was my to do list and I completed just about everythin now I am waiting my turn to wash...of course my mom is washing so I have to wait...

1. Return boots ($149.35)---done
2. Return sandals ($23.97)---done
3. Return MP3 ($59.88)---done
4. Pick up dry cleaning
5. Pick up books and movies at the library (for road trip)---done
6. Take can goods in exchange for book fee at the library---done
7. Call MD office regarding results (again)---done
8. Follow up with MD office..check has not cleared ---done
9. Read at least 2 chapters
10. Pack for trip
11. Relax

Well I guess I never lost it, I was on administrative leave due to a resident dying and the security guard who I informed did not go into the apartment. Anyway my boss on my part-time job called and left me a message that I can return to work and to call her after my vacation on Monday just to over some things. Well I found out that the family was in town and they basically did not want me talking to them. Well I will get paid for the weekend that I missed (thank God)I am just happy to be back /to know I still have a job as easy as this one making money. Thanks to all of you who believed in me. I really needed the positive posts

Ok this is my to list just a reminder to myself:

1. Return boots ($149.35)
2. Return sandals ($22.50)
3. Return MP3 ($59.88)
4. Pick up dry cleaning
5. Pick up books and movies at the library (for road trip)
6. Take can goods in exchange for book fee at the library
7. Call MD office regarding results (again)
8. Follow up with MD office..check has not cleared
9. Read at least 2 chapters
10. Pack for trip
11. Relax

I was trying to make another online payment to cc3 because I ate out today and I needed to match this amount, well I was unable to because I have met my limit of two online payments for the month. Just two, come on you would think that the cc company would be happy I am making payments but I guess it is their way of accumulating interest at the consumers expense but that's ok because I will add this account to my online bill pay through my bank which allows me to make as many payments as I like

I don't know I can never go in the store and buy what I need and come right out of there. Today I hit Macy's...I needed a pair of black tennis shoes ( I have a thousand pair of shoes and not one pair of black ones go figure) Any way I was in the store and picked up a pair of $75 Ninewest shoes for $22.50 as well, now that I am home and taking a closer look at my checking account I decided I will return tomorrow before I change my mind and am out $22.50 o foolishness...I also have the MP3 player to return first thing this weekend that was $60. When I get the money from my rebates I'll use that to get an MP3