Amber's Personal Finance Blog

Just wasted $31.74 on a pair of shoes at Victoria Secrets so I had to add $32.00 to the challenge brining my new total to $77.59 And my boss who doesn't like to do the time sheets on time may not be here to do them on Wednesday and if he is he may not, which means we won't get paid until Monday or Tuesday of next week depending on when he does them This is a huge check...104 hours and I get paid Friday as well from my part -time job but if I deposit my check it won't clear for two days. I really wanted to pay off another CC this week but looks like all my plans are not going the way I planned them, atleast the student loan was paid off today

Anyone knowhow to use these codes, when ever I try it nothing seems to be bold or underline, may be I am doing something wrong
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Just rounded up my change and added .93 to the challenge giving me a total of $45.59

Well I did it, I did not want to wait until pay day to pay off one of my student loans, so I transferred funds from my EF to pay my debt. It feels soooo good
Now I only have one more to go, this one cost me $280.07
EF Balance $282.61

Well I did it again, I paid off a CC..Target. The balance was only $4.25 but that is another item on my credit report with a zero balance and no slows pays or tardiness I am so happy becaue now I know I am getting serious. I also transferred $1.25 to the challenge brining my total to $44.66 I am hoping to reach $100.00 the end of this week and another $100.00 by the end of the month

Well I thought today was going to be a no spend day, I had to pay the water bill $40.39 so I needed to transfer from my EF but will replace on payday. And went to Publix, spent $12.33 also added $1.28 to the challenge and found out what tax 11 was, it's additional tax when you purhcase propapne I should have boughtit when it was tax free during hurricane supply week
Challenge new total:$42.91

Thus far I do not recall a no spend day in a while But tody I spent a total of $48.98
Gas $8.01 (cheaper by the job)
Groceries $14.10
Hurricane Supplies:$4.47
Leisure (books) $15.29
Personal Care: $1.72
Misc:$1.57
Sales Tax: $1.50
Tax 11: $.32..I have no idea what this is, but I plan on caling the store
Snack: $2.00
So rather than adding a few cents to the challenge from rounding up I decided to add a whole dollar...lol ($1.03) giving me a new total for the challaenge of $41.63

Wow I just finished a " Child of God" by Lolita Files, a very good book. A friend of mine gave it to me and I had it for months, but I finally decided to read it and boy was it good. Its' a work of fiction (African-American) about 3 generations of one family, which consist of incest and voodoo. I just had to finish this book started late last night and could not put it down tonight, now it 1:04 in the morning. boy, nothing like a really good book

well I spent $4.19 at the grocery store (Winn Dixie ) I actually went in for taco sause because what came in the dinner packet was not enough for me to use fpr lunch today and then I ended upleaving it at work ,so I won't be having tacos for dinner. Also Winn Dixie had Capri Sun on sale for .99 cents you ca't beat that. Rounded up and added $.81 to challenge
new total: $39.61

Well I did not call my brother for the 265.00 he owes me I was too nervous, why? I don't know..I mean he owes me not the other way around.
Any way besides paying off the cc ($125.87) I went to Publix today and spent $4.26 needed cheese and taco shell for tonight's dinner and tomorrows lunch. I am back to rounding up the change so I ended up adding a total of $1.34 to the challenge brining my total to $38.80. My goal is to deposit a $100.00 this month to this account we will see

As you all know my brother owes me $265.00 and I am nervous about asking him for my money. I know I shouldn't be but right now things are getting tight I am paying down/off debt and basically I need the money. I would like to put in my EF an d watcht the interest grow, but with a new/used car in my future paying off what I owe is a priority. Wish me luck, I know he won't be upset but I know right now things aren't going to well for he and his family and I do live at home but I guess that is besides the point

Because I keep the money for the challenge in an ING account I have to transfer once the funds become available, this is the only thing I hate about ING. Anyway my challenge is down to $37.46, I am not too upset becasue the money was used to pay off a cc, so that is a good thing. MY EF is down as well, I used some funds from here to pay off another CC. So here are my ending balances thus far:
Checking 1:$107.60
Checking2: $7.00
EF:$612.61
Challnege:$37.46
Education:$67.30
CC1:$2068.90
CC2:$944.45...willpay off next week
CC3:$406.90
CC4:$216.96...I think this is off

Well I went ahead and paid off CC5, $125.84, I figured it is better than waiting until next week (payday)especially since I am in attack mode. Now I only have 4 more to go and next week (payday ) I will pay off CC6, $944.67

I was hoping to have a no spend day but ended up spending $22.73

Grocery(snack/frozen dinners for work):17.46
Auto (oil, funnel..etc):$4.79
Sales Tax:$ .49

I am not beating myself up too bad because these were all things I needed so no money was wasted

I usually calculate my hours a few days before payday (well in this case a week) just to see where I am at and what to look forward to. Well all that complaining I did about paying off that cc was a waste of time and energy becsause this is one huge check...a total of 104 hours yeahhhhhhhhhh!

Now I figure, after taxes I should be getting about $1100.00 (Yeah!!!) plus an additional $228.00 from the part-time job
Anyway here is what I am looking at :
Water & Sewage: $40.00
C-phone#1: $40.00
Home Phone: $30.00
Cable: $40.00
Savings #1: $75.00
Challenge: $50.00
IRA: $15.00
CC2: $33.00
CC:3 $52.00
CC4: $20.00
CC5: 125.00 (paid in full)
Sam's club renewal: $35.00
Dental Ins :$12.00
Leaving me with about $761.00
Now I am thinking if my brother pays me what he owes me ($265.00) I can use this amount + the $761 to pay off cc2 ($944.45) leaving me with $82.00 for two weeks but at this point I do not care because I am sick and tired of these bills and I am not sure as you know how long my car will be around and I sure don't want a lot of bills if I get a new car

Just transferred another $100.00 from my challenge money in order to cover the payment to the CC made yesterday. Now my new balance is $137.46 and I will have to transfer another $100.00 once it is avaible (ING account). Atleast the cc is paid off

As you all know I have two charge offs on my credit one was a CC in the amount of $444.00 and the other was a cell phone account $750.00 ( got for my ex, that is why he is an ex) any way the account has since been sold again to a new CA , the credit card account. Well I was offered a settlement the problem is according to the CA my balance was $604.91 and they are willing to offer me $453.68 to settle the account about $10.00 more than the actual balance Well of course I am not paying this. But my intentions are once I get on my feet and pay off current debts I will work on the two charge offs but i will deal only wtih the actual company and not a CA

Well I was a little nervous but I went ahead and paid off one of my CC's $797.61
I transferred the money from my EF because the money I keep in the challenge account is located at ING and will be a few days before it's actually deposited into my linked account, so I figured before I chicken out I'd better pay it now that I am serious. So now my new total for the challenge is $237.46 this difference is not available for withdrawal as of yet but that is fine with me. I get paid next week from both the part-time and full time job and will deposit the full amount from my part-time job to my EF making up the difference next I will work on another card ASAP. God I hope my car keeps up

Well I gave in and ate out today $5.95 at my favorite little italian spot because I was too lazy to cook something before I left for work and then I spent $2.00 on lottery tickets. So a total of 7.95 was wasted today and I added $8.00 to the challenge brining my new total to $831.46

Sorry so long but I am simply nervous:

I hope I am doing the right thing, as you all know my car is drivable but pretty soon it won't be. I will have to finance a car but my credit is sooo bad just reviewed my scores

Transuion: 610(dropped by 5 points due to inquiry)
Equifax: 595
Experian: 543

So since I was putting money away for a new car (I just opened this account) and only had $72.98 I decided to transfer to the challenge giving me a total of $823.46
Now I owe HSBC $797.61 and will pay this out of the challenge money leaving me with $26.30. My goal is to try and pay off as much as possible so that my score will boost and I will not need a co-signer for a vehicle, But I will have $812.61 in my EF (My brother still owes me $265.00) and I will get paid next week from the part-time job in which I plan on adding to the challenge about $230.00

Now I am left with the following
CC1: $2048.15� L
CC2: $944.45
CC3: $125.84

And this is what I owe on my mom�s accounts
CC1: $406.90
CC2: $216.96 ( I maybe a $100.00 off on this, actually more)

But this is my plan and please pray that my car hold out at least 4 more months
My score is low due to two charge offs and high balances and not slow pay
Oh boy you live an d learn

Well I returned the fan and got my $10.64 back. so literally I spent zero today. I did very well as far as dining out, I did not eat out in the last 3 days; a first for me. I also got a free shirt at J.C.Penney's by using a $10.00 coupon so I am adding $10.00 to the challenge and $1.00 for not spending any money today, a total of $11.00 so my new total for the challenge is $750.48

Well I spent $10.64 today, .65 cents wne to taxes. The sole purpose of spending money was the air was off on Friday at the office and now it is back on, but I am taking thi sfan back and getting a refund...every one says I am cheap, but I simply do not have $.10 to waste

Well I got a coupon from J.C. Penney's fro $10.00 when you spend $10.00 I found a shirt for the summer for $9.99 and used my coupon, so I got the shirt for free. I didn't have to pay tax...boy was that nice

FYI: ING just upped the interest rate from 4.15% to 4.25%. I also have an HSBC account, which I believe is now at 4.50% but I have not utilized that account, I just think ING is more user friendly

Went to the grocery store needed to pick up some things that I missed on Friday, so I spent a total of $23.63

The breakdown:
Groceries $11.36
Cleaning Supplies $4.49
Personal Care $3.99
Magazine/News paper $2.70
Sales tax $1.09

So rounded up the change and added a total of $1.44 to my challenge, my new total is now $739.48

Well today was a good day, did some cleaning, reading and then went into the part-time job...I did not spend one single coing on dining out. Not on breakfast, lunch or dinner...I am soooo happy. So because I did not spend any money not even on snacks I add $1.00 to the challenge bringing my total to $738.04

Well I was hoping today would have been a no spend day, but needed to get a card and a ribbon for the boss' gift...I forgot yesterday but I only spent $4.56, $.28 on slaes tax and $4.28 for the card and ribbon. But I did meet one goal I did not buy any snacks nor did I eat out today

In regards to my last post. You sent me a website to check the names of CA, well I had the incorrect name of the company and decided to double the site again and guess what, the company is on the list. So I will try and contact the company in which I owe the funds to in order to clear this debt

I must say I am blessed and sometimes I do forget. Got my first paycheck today from the part-time job...$228.94 and was able to give $20.00 for Tithes because I am thankful. I was not looking for a part-time job and my sister gave my name to her boss at her part-time job (same place) and I was hired. Then a week later I was told I need a new car; so guess what the money I make here will be used towards car payments once I get a car, so yes I am blessed. Then I transferred $8.31 to the challenge giving me a new total of $737.04 placed $150.00 in the EF leaving me with $50.00 for myself. Boy, am I thankful

Well here at the office the A/C has been off just before lunch (noon) and it's still off, now it's 6:10pm. We are here until 7pm (go figure, and of course the boss is gone). Unfortunately the roof is being repaired from two hurricane seasons ago and the company does not work on the weekend, which makes no sense. You woul think the weekend would be better since no one is in the building, but nope they chose to work on the roof on one of our busiest days. But here is the kicker the roofers left at 3 and the air is not on and guess where I am, FL