Amber's Personal Finance Blog

It seems like I spend more in december than any other month every year. Spent a lot today, $40 at the hair salon, $8 lunch , $10 donation to my friend's daughter dance group and $59.76 to cc debt. Howver, I am a little upset because I added about 50 to the cc shopping for X-mas yesterday but tomorrow is payday from the part time job and we get our bonus on Friday I am hoping to pay it (cc) off.

Well I had to get new breaks, my uncle put them on for me so it only cost me $70. I'll be taking this money out of my miscellaneous account and EF. I am just glad that I had the money

I got some of my X-mas shopping done, two easy bakes and one out fit for my nephew's gf baby. Now I have to get a gift for the office, GC for my sister and a gift for my nephew and neice in which my mom and I are splitting...oops I forgot about my God daughter, I have to find her some thing nice I was thinking of some clothes. Goal is to keep the expense under $150. today I spent $28 my mom bought the two Easy Bakes oh boy

My friend wo borrowed $100 a couple of weeks paid me $50 this week, so now I do not feel to bad, I am sure she will pay me the remainder after the holiday. Then my ex father called ask if he could borrow money to pay his phone bill, of course I said no. That man will nickel and dime you to death.he'll borrof $5.00 here $20 there $20 here another $5.00 and before you know it you are in the hole by atleast $100 and of course he won't pay you back. He's a nice guy but he needs to get is priorities straight at his age he ought to be ashamed

I ate out today and all weekend but I am unable to add more than the $5.00 that I spent today dining out. So I added it to my my challenge debt, knocking my total down to $298.77. Wow I can not be believe I will meet my goal after all i will be cc free by december 31st I can not wait

When I first started blogging I was rounding all my loose change to the challenge, I don't know how and when I stopped so I am back at it. Just added .85 to my challenge home account. It is time to start fully funding this account asap. My goal is to have at least $6000 by August to this account and using any new raises and bonuses to to add in order to be able to purchase a new home by the end of 2008 early 2009

new total $175.95

I just mailed out my claim form for the class action suit against Fidelity Federal(FF) it needed to be most marked today in order for me to receivde my $160. Apprently FF obtain personal informaton regarding FL drivers without consent and bow have to pay for it now I guess I have to wait

I have not done too well this month and I have not even came close to my X-mas shopping here are the totals:

gas $27
Cell $68.15
internet $60.42
tithes $20
dining out $47.67
gifts $63.83
car insurnace $207.44
misc $173.43
personal $4.65
sales tax $10.66

My room is a mess, I have really got to get in here and clean house, including my closet. For starters I have way too many shoes to even store in my closet, I am going to have to buy a small storage unit to store some of these things, what a waste of money all this stuff...maybe I will put it on ebay...nope changed my mind, however I will clean up asap

two months later and the doctor's office finally cashed my check. My...i wonder why it took them so long. I was going crazy trying to keep my check book balance. next time I am paying cash

I returned some shoes I purchased a couple of weeks ago because they started to tear. I have no idea as to why, I was a little upset because I really liked them but they no longer had my size. maybe it just wasn't suppose to be, then I ad to return some jeans because they were too small so I have a little more than $70 credited to my cc but I ended up using $20 of that to get some face powder which will last me at least two years

I did ok this semester. This is my first semester at a University and not a community college, so I was a little excited and happy because I got two "B" one class was a little tougher than the other but I am so happy

I got 2 wrong on my final, much better than the mid-term. So for the class i got 86 points out of 100 giving me a "B" for the class. I am so happy because I was really concerned about this course since we only get a mid term and a final. Now I am waiting for the grades from another class which she has not posted as of yet but oh well...I know i did ok my average grade in the class was a"B" and i did do some extra credit

I know I said last month that this month I will not eat out as much and I have not made any changes I had to add $10 to my debt (student loan) because I ate out today for lunch it was a little more than $9 so I just rounded up but by sticking with the plan of matching every wasteful dollar I will think twice about spending

New student loan total $936.38

Now tthat the year is whining down and I am almost at my goal of no debt, I am adding to the challenge/home account. My goal for 2007 is to buy me a house/condo or anything with four walls that I can call my own. I got my cc down to $336 in which I plan on paying off the end of the month with the last check of the month and I got my student loan down to $946 I may not be able to pay in full but hoping it will be half of this amount. Any how new total for my house is $175.08

Ok I have so much to say, today..it was a bad day all around. Any way went to work today and they decided to by the boss a $400 gift so we all have to give $40 this is $15 more than last year next year it will another $10. Now we have the secret santa which I can not stand because it seems like I always get junk so now I have to spend $25 on that $60 thus far and to top that off we are having a pot luc and I have to bring some that will be another $20. $80 on co-workers I don't even spend that much for gifts for family, boy am I ticked off

The boots I ordered from Victoria Secret for over a $100 well I was only issued a refund for $110.59 so now I have to give them a buzz, I know that the company keeps $4.95 but were is the other $40...oh boy this day, I can't wait for it to end and start a new one

I am a little annoyed because I am waiting on my $30 and $20 rebate checks. One according to the website was mailed out on 11/21 and it is now 12/6 I know mail is slow but come on. If it is not here by Friday I am giving them a buzz

I finally put up the X-mas tree, if I had not my mom would have drove me crazy. I am so tired I was unable to even rest today...exams, picking up dad's meds, dropping off movies I am just exhausted, but atleast the tree is taken care of

Ok I went into work today and my $10 GC from Thanksgiving so I am happy and I can stop worrying about it. Now I have a $10 GC for Bath & body Works as well as one for Publix. In two weeks we get our x-mas bonus from the part time job so I can't wait for that

Ok I spent no money today and I am paying a buck on my debt...my student loan that is. So my new total is $949.38. I can not make any more online cc payments to the last CC that I owe which is $300 so I am paying anthing extra on the student loan

I just checked out this website for some gift ideas and it wasn't too bad, so I decided to share. There were some nice gifts for kids

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.