Amber's Personal Finance Blog

Just my luck one of my co-workers asked what classes I was taking in the fall well I was unsure but remebered the cours ID number and guess what he has the book (both) one was about 140.00 and the other about $80.00. He said he'll bring me the book on Monday and once I get I will add the money that I would have paid to my challenge... I am so happy now all I have to pay for are my classes

FYI:
I went to Baies R Us and picked up a gift for the boss' baby shower, you can wrap your gift for free..saved me a few dollars.

Went to the library today and paid $.80 on a late book
I always check way too many books at one time and can�t read them by the due date; therefore, ending up with late fees. This time I decided only to check out two at a time but unfortunately I could not find a thing, figures. I like African-American fiction which is hard to come by at my local library...people for some reason steals them (the librarian told me this). The librarian who keeps the new books at the front desk for me did not have anything new. So I ended up at Wal-Mart cheapest place around, which offers these books in paper back unlike the book store down the street which only has hard backs starting at $20.00. To make a long story short I spent 9.68 on 2 books but will not match this amount at 100% because I will donate them to the library, therefore I will add $4.85 to the challenge.

New total$728.73

Well due to my new challenge I am not going to eat out for the monththerefore I went to Walmart my favorite place...any way bought some groceries and snack etc also needed a baby gift for the boss' baby shower, Boy is he going to be upset he is not happy about this baby:

Dining out $3.09
Cleaning Supplies: $7.36
Personal care products:4.69
Groceries:$ 35.14
Leisure (books): $9.68
The library didn't have nay new books that I was interested in
Gift: $19.99
$Sales Tax: $3.50
Grand total: $83.45
Now there should be no spending what so ever this weekend

Just check the balance on this account for some reason I was off about $3.00 and change my new total/correct total is $723.88..I did not add somthing and I know the late fee for the library books was one of them so I did add the $.80 but the other amount I am unsure of but glad it was more and not less

Being that I pay all my bills online (no stamps) I decided I would deposit what I would have paid in stamps into my challenge money...the more I put away the more I'll have save being that this money maybe going towards a car instead of a down payment on a house like I anticipated but no need in crying over spilled milk.
So total for stamps is $5.18 but to keep it simple I will add $5.00
New total $720.33

Moneytalks, stated in his last post that for June he/she's goal for June was to spend less, I think I will attempt the same challenge (thanks) Last month I spent $182.64 on eating out and snacks way too much, my goal this month is not to eat out, thus far I have spent $3.30 at McDonlad's for breakfast, when I have breakfast food at home and just too lazy to get up earlier. But that will stop. I also match the same amount to my challenge brining my total to $718.33
And once again thanks Money

Came in today and of course nothing was taken care of. My co-worker thought is was more importanat to write "06/ /06" on every single intake sheet (the form we use when we schedule new patitents) which could have been done like always when a patient is scheduled..well instead of mailing out today's mail or filing away charts or printing todays notes for that matter she wrote "06/ /06" on every single intake sheet. What a waste she is going to drive me crazy for the summer

As you all know I just found out my car has way too many leaks to fix therefore with in the next few months I should be looking for a new car. I decided the money that I was saving for a house and then change my mind, I was going to use the money to pay off debt...now I think I should use it towards a new car, well I have no choice. Any way
my credit score is terrible (615) I have two charge offs and no slow pays. I got an offer in the mail to pay off one of the charge off in order to settle the account, the original balance was $750.11 and the company is willing to accept $562.58 to settle (I did try to get this reduce, but was told no). My dilemma is should I pay off the debt and boost my credit score for a better interest rate when I decided to purchase a new car, but I'll be a short fund. However, in about a month with my part-time job I will be able to add the $500.00 back, or keep the money in case I need a down payment. I was thinking about going through my credit union, which I am sure will give me a better deal than the dealer. Right now I do not know how long my car will last but was told to just check the oils and drive it until it can't be driven any more. My sisters says pay off the debt boost my score and save even more for a down payment on a new car, especially since I�ll get two checks from my part-time job which will be equivalent to the $500.00�I just don�t know
lesson learn never live like the Jones otherwards never bite off more than yiu can chew. Don't cahrege things you do not need

For may the following was added to my accounts for interest earned:

EF $.61
SVG #2 $.01
Checking 1: $.12
$20.00 CXhallenge: $1.33
Auto Account:$.19
Education: $.22
Total: $2.29

New totals:
Challenge $715.33
Auto acct $72.98
Ediucation Account $67.30

Went back to work yesterday after a 4 day mini vacation and the person who took my place did absolutley nothing, I mean nothing. I can't stand her she drives me crazy...all day long she pretends to be busy and doesn't do a damn thing (sorry). Four days I was gone for and you think she filed one single paper, nope...but here is the kicker she waits until I get there and says "oh there are notes every where " yeah beacuse you did not file a thing. I of course, catch every thing up. Then another thing that drives me crazy with her is that she stands over me like she wants to talk and says not one word; then I move to another desk and she comes and do the same thing, then I move again and who is standing there over my shoulder? I miss Jodi the girl who was working there beore, she's back in school and had to leave now there is Jessica who won't start unitl mid June and she's another one that drives me bonkers
I can just scream
Sorry for the long blog but I needed to vent

Savings:$420.00
Groceries:$140.68
Dining out:$182.64
Clothing:$236.23
Gas:$122.04
Auto Maintenance:83.61
Misc:$273.04
Personal Items:$26.04
CC Debt:$265.00
Gifts:$83.88
Healthcare:$59.96
Home bills: $
-phone $110.16
-celluar $221.05
-water $43.08
-cable $140.62
-uitlity $117.38

Payday, finally...I was able to add the following:
$20.00 Challenge $20.00 new Total $714.00
Auto Expenses: $10.00 New Total $72.44
Books Tuition $5.00 New Total 67.08

Well today was suppose to be payday and I checked my account and of course no deposit. I work with a man who seems to think that people do not live check to check, I mean litterly he has stated this. Can you believe that? So he takes his time when it's time to do paychecks. I mean right now I am ok but I like to get paid when I am suppose to like anyone else

Thank God, my brother paid me another $100.00 therefore he owes me $265.00 but for some reason he thinks he only owes me for $35.00 he must have forgotten that he did not repay me in April but I will remind him espceially since every penny is counting now because of the fact that I will need a new car but I am adding this $100.00 to the challenge bringing my total to $694.00 hopefully I may not need to touch my EF as a down payment...maybe the credit union will give me a loan please pray for me

Spent about $10.87 eating out breakfast and lunch so I had to match that. But I was also able to add $41.26 totaling $52.13 added to my challenge which came to
$594.00 this money insteasd of paying off debt or adding as a down payment to my new home it will be used for a down payment on a new car along with my EF. Glad I was saving

Wow took the car in regarding the oil change and I had several ther leaks totaling about $3000.00 more than what the car is worth so I will be looking for a new car the end of June there goes my savings but things happen, but in the end $83.61 was spent on my A/C because in FL you really need A/C in your car

Our pay period ends the 14th and the 28th of every month depending on my boss' mood he will either take care of payroll when he is suppose to, on the 14th or the 28th or when he feels like it 1-2 days later I am upset because when ever he calls the time, it's two days from that date that we will be paid and being that today was a holiday I hope he took care of it on Friday so that we maybe paid tomorrow no later than Wednesday. But now with my oil leak I have to take my car to the shop and going through the bills that are due I will only be able to sock away about $85.00 into my savings not including the $15.00 for my IRA account. Now Friday will be my first check from the part-time job which I do not want to touch but if push comes to shove I will have to

Just went outside for something and notice a oil leak of some sort Last year I totaled my car and was given a 89 camery which I am thankful for...I only spent about 2000.00 having repairs done such as:the transmission,oil changes and tires, a battery. Since my accident I have not saved for a new car I should have but I didn't. The money I was paying for my old car was $350.00 a month that should have went to the side but it wasn't until December of last year that I got serious about my debt and not until February of this year that I started really trying to save...so now what I put aside in my EF and challenge money I may have to use either to get my car fix or a dowm payment on a car, oh boy. I hope this is not an expensive repair but oil leaks can be costly. I am so depressed now

Foolish me I did not return the library books again because I did not get a change to read them only one I was unable to renew because it was only a day rental (new book) so now I owe.50 I thought it was more than that. For some reason I thought on new books the late fee is a 1.00 day wow thank goodness because I am finish and I am returning it the firs thing in the morning and will add .50 to the challenge because it is money wasted

I must check this site a million and one times a day. I love this site, it is one of my favorites I enjoy reading everyone's post and responses, even at a family function like now I am on the internet checking back into to savingadvice.com

I forgot today was a no spend day so therefor, 1.00 was added to the challenge, my new car account and for education. Brining my new totals to:

$20 Challenge: $541.87
New Car $62.44
College/books $62.08

I notice a lot of people here dry their clothes on the line versus in the dryer so lately I have been taking this challenged..I dried 3 louds of clothes yesterday would have may cost me about $4.00 to dry at the laundromat. So I am happy. I did use fabric softer haven't been the past (not really) but I did notice the difference and here in sunny FL it is always hot so line drying should not be a problem so I am adding the $4.00 o challenge brining my total to $540.87

just wanted to wish every one a happy and safe holiday, here in FL the cops are out full force giving out a lot of tickets...that is what the news reported but I did not see but one cop hovering over a homeless man. So be safe and responsible today

I helped a friend out today who's husband is away and he's parapalegic. I worked at her store for free, stock shelves, moped the floor rung up customers that sort of stuff. Tomorrow is my day off so I'll go there and help out for a few hours she's actually thinking about selling the business...says it's too much of a headache . I wonder just wondering if I should look into it I don't know a little mini mart can be a headache.
So basically I worked for free but in the end a friend received the much wanted help that was needed

Well today was suppose to be a no spend day but I ended up spending $10.00 for gas and $4.02 for snacks that I can munch on at my part-time job. So I wasted $4.00 and because I had snacks at home I could have easily had those; therefore I added $4.00 to the challenge and added .98 to my car expense account ...rounded up the change. Because I have two different checking accounts; all the change rounded from my main account is added to the challenge and what I use from my fun account my me account all the changed rounded is added to the car account.First time I actually rounded change to the car account
So new totals:
$20.00 challenge: $536.87
$ Car Account: $61.44

Well tonight was better than yesterday(part-time job), very quiet no 911 calls and only a few from the other building. I really hope they conider hiring some one part-time over there because the calls never stop.

Well I did well, I only spent $5.09 today
$.50 News Paper
$3.50 Dinner, Paner read...sooo good
$1.06 Burger King
I did not match this amount for the challenge only because I have held on to the $6.00 in my purse since last week which was a refund (mind you I was shorted) from a co-worker and these fund had already been match
So I do'thin I did to bad today

Today was my first day alone on the job(part-time)...boy oh boy. It was a peacful night until about 9pm then the phone went crazy the front desk rep leaves at 8 pm on the other side so the main building gets all the calls, and guess where I am. You have nurses who are busy not answering their line, some patients who wants to know what day it is or confused about the time of day..911 calls just none stop. I could not wait unitl 11
Thank God this is a part-time job

Just left Target, needed some things; however, I notice on the receipt that they are giving away $5000.00 for filling out a survey. So me being the person I am I keep all receipts for the month for every single purchase I have made anyway I entered in the contest 5x, boy I hope I win