Amber's Personal Finance Blog

I just realize that I have worked 61 days straight counting from Memorial Day I can not believe it but for some reason I'm not tired, oops I forgot I called in last Monday so it's actually 57 days. I never thought I could do it but I did when I worked part-time at the grocery store I had days off but I was exhausted, thought I would die. I'll see how I hold up when school starts

I am so glad that I bring lunch to work it is pouring down raining...everyone else is trying to firgure out what to do about lunch. I jus thopw it stops for a few minutes in order for me to get my books out of the car...it looks like a hurricane is approaching

It has been bugging me since yesterday so I decided to tak the money out of my $20.00 challenge account and pay towards my high interest CC (30%)and I am earning only 4.35% so it's back to sqaure one for the challenge

New total: $3.00
CC debt:
From $2348.88 to $19935.93 I also plan on paying another 300.00 or $400.00 on Thursday (payday) . I am just so sick and tired of debt

My mom just called to let me know my nephew will be there for about 4 days, my brother and his wife are going to GA. I don't mind but when my mom says she will babysit, it is usually me who does all the sitting I love my newphew but it is week before school I was hoping to get my books on Tuesday and get a head start but I do not think that will happen, he enjoys spending a lot of time with me and 9 times out of 10 he will sleep in my room. Which means he is going to talk my head off and want to get on the computer which I hate I started by the way. But the internet has some really great educational games for kids his age. Oh well I just needed to vent

I forgot to add the .81 cents I rounded up from today's spending to my auto account which is now up to $7.48 from the .05 cents I had at the beginning of the month

Well I ended the challenge today with $39.19 spent at the grocery store, but I plan on starting back up on Monday...wow 6 days and nothing was spent
Totady's Totals
$1.25 News paper
$.83 Plastic forks
$.14 sales tax
and $36.14 gorceries

As you all know my boss takes his time when it comes to payday and he is out of town until Tuesday or Wednesday, depending on what day he returns we will get paid two days after he does the payroll So I went through what needed to be paid and I can honestly say only 4 bills are actually due I am debating if I should add to any savings this pay period or pay down my debt I have thus far when payday arrives an extra $452.00 after I have allotted the following for bills/svg:
$75.00 EF
$30.00 Misc
$20.00 Ira
$20.00 Tithes
$100.00 cehcking 1 (for misc bills that may arise)
$20.00 Peronal account
$43.00 C-phone 1
$67.00 Cable
$12.00 BCBS (dental)
$69.00 CC2 ( I charged my classes which will not be due until Septembr leaving me with a balance of $243.00)
So I would have added $245.00 to savings and $191 for bills

Earlier I checked my paystub from my part-time job and I was short 2 hours Good thing I saw the boss today she told me she was working on it. l I will be on top of it to make sure I am credited on my next check otherwards they will surley be sorry

I got so much done today and like I posted before I spent no money
But it was a great day; first I washed and colored my hair (much needed) the last time I went to the beauty shop was in June and the time before was in November this is good for me because I use to go twice a week (50.00 a week). Then I washed my car, it has been about 6 months since I last washed it that took a while. Next I got a much needed nap before heading off to my part-time job so in all every thing worked out today. I hope I can make it to day 7 without spending any money. I would like to get a newspaper but I think I will pass

I can not believe it, it has been 6 days and I have not spent any money thus far. I am so happy so I am adding $.50 to the challenge and the new car account

New totals:
Challenge $415.95
Car account: $6.67 ( I made a mistake on the last post regarding this balance)

Wow 6 days I can not get over it

Boy this is a long process. This blog is more like an reminder for myself, I sent out letters to Arrow Financial and Midland Credit Mgt (collection agencies) to verify/validate my accounts. They have 30 days from the date of receipt to respond otherwards the account must be removed from my credit report. So we'll see what happens...I still have not heard from the collection agency regading a hospital bill they have until the 22nd which is 11 days away

Cleaning up ones credit that is. I just got my credit report regarding the disputes I disputed with transunion and there was 5 items deleted that's why my score went up 10 points. Now I have to dispute 2 more itmes and hopefully those will be removed. Things are starting to look up

I just tried paying the $123.97 on my CC well I looked at the limit which was bumped to $1050.00 it's very small compared to some but it is a huge accomplishment for me I am happy.

Gas: $35.00
Bills:$370.36
Cable
Phone
Water & Sewage
Electrcity
Tithes: $20.00
Dining out: $19.71
Education/tuition: $370.10
Gifts:$9.85
Groceries:$39.28
Healthcare:$40.00
Eyecare
Prescription
Cleaning Supplies: $5.25
Job Exp:$.89
Leisure:$1.25
Misc: $3.10
Personal Care:$7.65
Sales tax: $2.74
Total: $925.18

Taxes:
Federal Income tax:$97.41
Medicare:$14.49
SS:$61.96

total:$173.86
I am very pleased thus far with the grocery bill

Wow I just paid half my tution which was $370.10 on the cc but I have $127.93 socked away so my balance is $242.17 and I will definately pay this off on Tuesday (which is payday) So I am happy...looks like I am going to have to use the Challenge money to pay for books which are costing me close to $250.00 but I realize now the $20.00 here and there that I usually put away towards my tuition must got up by $80.00 a pay period which I plan on doing that way I 'll have a lot more saved. But I am happy and blessed because I do not have to take out a student loan again

Well the girl who is always at the copier called out today...thank God and the other one was less demanding, I think she finally firgured it out. So we have had a pleasant day together her and so I am happy. The miserable old boss lady is still out until next Thursday, leaving me 2 days to spend with her

Yeah 5 days an no spending other than my fixed income I am so happy. So I added .50 to the challenge and the new car account:

Totals:
Challenge:$415.45
Auto: $7.17

My dad seems to give me money every chance he gets, again he gave me $30.00 I ran a couple of errans for him. So I treated him to lunch today. I am thankful for the money because I plan on using it towards my books this semester, it's money that I really need

New totals:
Cash:$15.68
Personal Checking:$344.00

Well it looks like I am will not be spending any money today, I leave here at 12 and I will make lunch when I get home so I am adding $.50 to the challenge and $1.20 to my new car account

New totals:
Challenge:$414.95
Car Account:$6.67

I am all-alone today at work except for the therapist (2) in the back and I am loving it. The girl who walks back and forward to put paper in the copier is off and the other one who like to delegate is in this afternoon and I am off. The owner is not here yet and the office manager is on vacation I love days like these so nice and quiet

Since I have started blogging and keeping track of every dime spent, I realize it is nice to see my savings and personal accounts grow. It actually feels really good. I have tried to introduce my friend but she has failed to launch. This is more like therapy, I know I have a way to go but at least it is a start. CC's are paid, money is in the bank, I am contributing to my IRA on a regular basis and will increase that amount within the next few months...so yes I feel real goos

Well today was payday from my part-time job so I was able to add $226.70 to my personal account I am happy with that because I still had about $60.00 since the last pay period which was about two weeks ago plus my dad gave me $45.00.
Hopefully today will be a no spend day again. Right now I have about $83.00 in my bill account which is a good thing as well. I am usually dipping in the EF a few days before pay day

That is the name of the book I just finished by Gloria Mellett. It's one of the best books I have read in a long time, I cried then laughed with each page. It's one of those books that should be a movie on Lifetime. I loved it.

19 more classes to go before I receive my BHA I thought if I took 4 classes each semester I would be done by next fall but unfortunatley money is tight. The school allows us to pay half when school starts and the other half by October so that is a plus and with the part-time job the I will be able to pay it off before October. I am so excited because I am almost there

Well I am on my 3rd day and I did not spend any money so I am happy. I added .50 to the challange and new car account

New totals:
Car Account:$4.47
Challenge/Home:$414.45

Well I went to see my dad today and he says to my "you want some money" out of the blue and I said to him for what and he just gave me $45.00 I was so happy because next week I see the MD which will cost me $20.00 and last week I had an eye exam which was $30.00 so basically I lost nothing

Well today is the second day this week and I spent nothing, so I am adding $.50 to the challenge and car account

New totals:
Challenge:$413.95
Car:$3.97

Just got an update from Transunion and my I notice there was a few changes on my CR. But like I said before this is a long process.Previously my scors with the big 3 were:610,595, & 543 and now it's 618,535 & 575 it's odd that two went up and one went down. But I know everything takes time. Any how one of my accounts I am disputing, Transuion found to be in violation of the FCA which is good for me but it was not removed. What do I do now? I guess I can write and ask for debt verification

Wow, I can't believe December will be two years since my SIL died and I did not realize yersterday was her birthday. I miss her a lot

ok here we go agin today is day 1 and I did not spend anything so I added .50 to my new home account and the car account.
New totals
$20.00 Challenge: $413.45
Car Account $3.47...lol