Amber's Personal Finance Blog

Yippie another $33.34 on my cc. I am planning on paying off the balance by the end of next week only because there are some things that I need to pick up, but I am happy
New total $778.91

I have left before I head home...I can not wait. But now it is raining cats and dogs...I am just hoping it let up. Today was not too bad the boss brought his new baby in, she so cute. Pretty much everyone was in a good mood so that was a plus and it is hump day,with two more days to go...........yippie

A friend of mine lost her job yesterday, and Ifeel really bad for her because she is not in a situation where she can afford not to work a full time job. She sound like she is ok with the fact that she just losther job and can work from home with a compnay called Willow...here you pay them to work for them. I am not to keen on that idea but she thinks she will be ok. Now she had her full-time job as well as this little gig through Willow and was barely making end meat. I basically just listened because I do not want her to feel like I don't think she is cable of suceeding...but in all honesty I don't think so. She the type of person who has bug ideas but never follow through or starts a projest because some one she knows is doing it and never see it throough. All I can do is wish her the best. I've told her about this site even told her to use an alternate name so that she can list her problems (finances) and the guys and gals can help but like my parents say you can lead a horse to the water but you can't make him drink

I am rockin' and rollin' I paid another $100.00 on cc2. Tomorrow is payday from the part-time job so I should be ok
New total $812.25

Well it's a new month and I did not go out for lunch today. I am amaking some changes because I know the holidays are approaching quickly...and I need to start stashing. Anyway my last payment to cc2 has not posted yet I know the balance is close to about $400.00 but as soon as my last payment clears I am going to pay it off. I am ready to be debt free

It is close to 10pm and not one kid showed up...I could not believe it. I was a little dissapointed because for the last few years we've been hit by hurricanes

NBC has a new series that I really like, last night it was on (normally it's on, on Tuesdays) but I fell asleep last night. I totally forgot that the time slot for the program was changed and by habit I turned the channel to NBC and what is on ? Friday Night Lights (last night episode...I am so happy

Well I rounded up my change to the nearest 100 and paid another $11.20 on the cc. I am like really really sick and tired of ths CC debt, that I want it paid off ASAP

New total $901.05

I finally filled out all my paper work for the $30 and $20 rebate on the Norton software that I purchased almost a month ago...so now what's left is to wait

I was waiting for the kids and not one as of yet...I am hoping they'll show up, I really like looking allt all the little ones

Got my pay stub today I was able to sock away a little more than $100 for savings and pay down cc2, and pay bills so I am happy
$130 EF
$10 Misc
$25 IRA
$20 Student loan
$121.64 Cell phone
$40.39 Water
$20 Tithes/offerings
$306.82 CC2/challenge debt

Well I hit the store to make my Holloween grab bags for a few of the kds. I am happy because I did not need to buy any candy, I always buy candy after certain holidays (it's on sell)so in all I spent $12 for the holiday.

Happy Holloween!!!!!!!! I can't wait to see the kids today

Ok I went out for lunch ...big mistake beecause I know I should not be spending on dining out. I als paid an extra $23.86
on the c so I am happy with that. Looking at my bills and how I havecut back on expenses I decided to pay off cc2 and not add any money to the saving and that will be the last of my cc. But I do have my mom's which must be paid but the interest is so low on that ..I owe a little more than $500. So looks like I am meetin my goals

Previous CC balance: $1242.93
New balance: $1219.07

I decided to review my spending for the month and it was not good. I really splurged this month and we still have two more days to go

Gas:$82.36
CC Interest: $48.87
Cellphone $172.90 ( replacement phone)
electricty $162.87
Internet $23.41
Student loan $40
Telephone $39.31
water $43.08
Tithes $40
Clothing $85 (bookbag)
Dining $92.15
School Supplies $1.57
Gifts $28.62
Groceries $170.55
healthcare $51.65
Home supplies $9.90
misc $241.80
Personal care $28.81
Job exp (non refundable) $2.99
leisure $66.89 (software)
sales tax $7.29
Federal, SS, Medicare taxes: $456

Total $1966.09
Total income: $2826.34
Differnce:$860.25

Oops I forgot I paid a total of $1458.31 towards my cc

I bought the Sunday paper today and it was .54 cents, usually it's $1..25+ tax but I am glad it was on sale because there were no coupons in the paper (none that I could use)

Now my sister told me on Friday that she got the bill rom Verizon for my broadband, now she says she did not say that. The account is in her name because it was cheaper for me and now I am thinking I made a huge mistake. one should never conduct business with family

I just checked my TransUnion credit score, ( I disputed a couple of charges)anyway my score went from 618 to 715...I could not believe it. I guess paying more than the minium and payind down debt really helps. I disputed a couple of other things wit Experian and Equifax so we'll see what happens

I hate when I am unable to read all the bogs. I hguess this my clue to study

I have a friend who I think needs psychological help; there is something seriously wrong with her. Well today was the icing on the cake, she verbally abuses her son. Don't get me wrong I think she love him but she either can not express her love in a positive way or she really has not been conditioned to know what love really is. Anyway she was yelling at him about saving money and that she though he should learn to save money. Then she goes on to tell him that there will be times when he will want to do some things and can't because he did not save his money. But here is the kicker she tells him "there are plenty of times I wish I could do something thins but I can't because I had you" can you believe that. I did tell her that, that was not nice and she owed him an apology but her response was " he knows what I mean" I thought at 8, yeah right you meant every word you said it I am sure it was not the first time nor will it be the last

I am so happy I paid off my high interest CC (30%) I am so happy ( I keep doing that). I took a look at my account and I had little more than a $10000 just sitting there earning about $3.00 a month and this high interest CC paying about $40 a month in interest so I said pay it off and I did. My goal is to be debt free by December 31st and atleast $3000 in the EF. Now that this CC is paid off I can really start saving. I am going to write the CC company and ask them to remove any activity on my credit report regarding this cc. I was never late always paid on time as well as paying more than the minium, but I closed this account which I am sure will have a negative affect on my score...we'll see

Previous CC total: $2255.91
New Ttoal :$1242.93

As you all know I work a part-time job and the security guard here has no clue. I have no idea why he is here. Why is it those who really need a job and will work can't find work and those who are useless always have a job? The fire alarm went off tonight so I radio him to let him know he needs to check the panel...he is going around and around then the fire department comes and wants to check the panel in the electrical room...guess what he has no idea where it is. He has been here for 3+ years walk the premises from 4 to 7 and then from 10 to 12 for 3 years and do not know where the electrical room is. I have been here only for a couple of months and he is asking me. When ever you ask him a question the answer is "I don't" Sometimes I just ask to be asking because I know the answer...he has never answered without saying "I don't know" I mean how can one do their job and feel productive when you absolutely have no clue

I am working my part time job nd the kids cames in as a surprise for the seniors...how cute. There cheerleaders, Indians, belly dancer, clowns, witches...you name it. They were adorable I can not wait until Tuesday

Well I checked my statements online and the interest on the cc are pain. When you think are making some head way you gwet a bill and there it is the interest. Anyway I paid extra on the CC ($28.24) brining my new total to $2255.91 from $2265.58 all in the game of interest

I am a little annoyed the class that I am taking t night is one of the worst. I am sure you all have read where i have compalined about this gu talking about nothing from the book that I paid $100 for and nothing really to do with health care in the class. Anyway i get my test back and I missed 11 out of 24 which was worth 1.5 points each. Now it's ironic that about 98% of the class had the very same out come. There was one question that no one remembered him discussing but he says so and one person got the question right by guessing...so I am thinking maybe it's him. Another student asked him about another question in wich everyone got wrong he says "I don't know I made it up" Now he gives us the test the day before add/drop (this is the onl test ) so therefore even if I wanted to drop it I can'r because he never gave us the grade until two weeks later. Any way he ended up giving us 3 points and changed each questins worth from 1.5 to 1 so that boosted me up to 32 out of 40 points. What a jerk...sorry I just had to vent
Basically I am paying a dollar on the cc for the B i got on the test

Wow I have spent a ton of money this month eating out. I was simply to lazy to do anyhing (cook) this month. Total thus far $92 over by $49 for the month that is not good.

I am not sure who turned me on to mypoints but wow am I happy. I got my $10 GC for Bath & Body Works which will be a part of a X-mas gift for some one or maybe I'll treat myself. I am going to keep earning mypoints for free gifts

Well I used my couo today for free lunch at Picadilly's and saved $6.38. I have not been there, since the little incident with the manager...but the service with all the other emloyees are excetional. So my new total in coupon savings is $31.27

well I ate out today for lunch..I could not find my coupon for a free lunch I also treated my co-worker so I paid $15.45. I also ate out yesterday...with all the mess going on with Bush being here in FL I was starving and stopped at the first fast food place I laid eyes on. Any how, to make up for the money I spent dining out I paid it on the CC

New total:$2265.58

That d** Bush was here in FL today turning my day into a living H** after I left class today, what usually takes me less than 5 minutes to get on the highway; it took about 20 minutes and I was still unable to get on so I make a u-turn. Driving along an alternate route the police are maneuvering traffic so now I am in another traffic jam. What should have taken me 20 minutes took 1.5 hour. Now I do not mind if he comes or goes I do not care but what bothers me is the production. If they were to put him in as small care with secret service and not make this big production with 10 different cars 10 different police and 10 different agencies I am sure things would be much better..Sorry I just had to vent

No spend day today so another buck on the cc new total $2285.83