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December 15th, 2023 at 11:34 am
With today’s payment of $300.27 ($85.27 applied to interest) towards my student loan, I am finally able to get this loan under $30,000. My new balance is $29,985.00. Of course within a few days it will creep back up to $30,000, it just feels good to see it under my goal amount, even if it’s just for a few days. 😀
I made my first mortgage payment for 2024, adding an extra $60, the new loan balance is $106,083.00. My escrow balance is $676.65, given that I have a positive balance, I’m going to assume that there won’t be an increase in payments but a slight, and I do mean slight decrease in my total mortgage for 2024 after my escrow analysis. I’ll continue to make the same payments even if the decrease occurs.
I managed to increase my credit card balance, the good news is there is no interest. I’m planning my 50th birthday, which has become costly, I didn’t realize how quickly things could add up. I also did some things around the house, such new curtains, rug, tv, throw pillows, iRobot 🙄😩. I really have to sit down and determine what my triggers are.
I also bought things when I was having trouble with my arm, new desk chair, keyboard, ergonomic mouse etc. This arm was killing me, I had to see my doctor. I think I figured it out, it’s my desk. I purchased this desk back in March and then boom here comes the pain, six months later. It was so excruciating, that my hand became numb. I added a pull out keyboard tray and it appears to have worked. I still have pain but not like it was. The chair is uncomfortable so I’m returning it.
Christmas is all cash, my nephews are older now, so no toys. I have extra in my Christmas fund account so I’ll be throwing the remainder of that money at my CC, to cover all the home stuff purchased.
I don’t know if I shared or not but I paid off the Home Depot card. This card was used to take care of the kitchen last year, I had zero interest until January, and since January is right at my back door, I used my bonus to knock it out.
Lastly, I received a notice that my HOA will be increasing to $353 a month, a few months ago, ridiculous if you ask me but here we are.
I’m so glad, after receiving the notice, that I bumped my bi-monthly savings by the $10 increase. By creating a sinking fund I was able to save my HOA fees for the entire upcoming year, 2024.
I would not have been able to do this in the past. Though I have periodic set backs, I’m still able to save. I normally pay the HOA every quarter, but for 2024, I’m going to pay the entire year. I’ll keep contributing to my sinking fund though.
Oops I almost forgot, I have decided to use the first month pay increase to throw at my debt then after that the remainder will go towards my 401(k). I’ll be 50 next year and I really need to get aggressive with saving for my retirement.
That’s all I have for now as it relates to my finances.
November 30th, 2023 at 11:41 am
Today's payment for my student loan was $386.10, falling just $201 short of dipping below the $30k balance mark. It's alright – I'm determined to keep pushing forward.
Admittedly, I've veered off the financial path lately and need to regain control before things get messy. While I can't pinpoint my triggers precisely, exhaustion seems to play a role, and wants take over.
Considering this, I'm contemplating incorporating a monthly budgeted splurge to prevent such lapses in the future.
October 5th, 2023 at 01:15 am
My student loan payment of $109.75 hit today so my new balance is $31,369.81. I’m hoping to get the balance below $31k by the end of the month.
I also read that the Biden-Harris administration just approved another round of student loan forgiveness. It includes forgiveness for 51,000 borrowers enrolled in income-driven repayment plans; I am enrolled in this program, fingers crossed that I get the forgiveness, if not I’m still happy for those who do and I’ll keep paying.
Other financial news today was a no-spend day so I added $4 to my challenge fund.
The exterminator came out and didn’t charge me. He was here last week and it was $25 but I saw roaches again so he came out and re-sprayed. I offered $20 for gas and he declined. Now I’m wondering if I should add this to my challenge fund.
Today was a great day at work, I’m so thankful that things are falling into place.
October 3rd, 2023 at 01:24 pm
Day 2 and I didn't spend a thing, I'm so happy. I was really tempted to buy a few items but remembered that I had committed to not spending on things I didn't need.
I went to Aldi to get grapes, their grapes are always seeet and a lot less. Any way I was heading to Walmart to pick up a few other grocery items when I decided to purchase the bacon from Aldi. It was $3 less than what I would have paid at Walmart and $4 less than Publix. I hope it's good.
Headed to Walmart and picked only what I needed.
Cheers to another day of not spending.
September 29th, 2023 at 09:46 pm
I'd budgeted for a pedicure, $40 which included tip. I try to treat myself periodically.
Well the salon was unable to provide a pedicure so I opted for a polish change which was $15, I paid $20, to include the tip.
I am going to add the difference to to my savings funds, which is $20.
I also returned an item that I didn't need and put on my credit card, total refunded $235. Why I make these impulse purchases I have no clue. As I'm typing this I think it's my ex. I think he's my trigger for impulse purchases. Though he didn't tell me to buy the item, I had been eyeing already. Either way it's returned.
Looking forward to seeing my end of month totals and preparing for October.
August 2nd, 2023 at 02:55 am
I’m still crunching the numbers but I can say dining out was my second largest expense for July, first was home repairs.
I’ve committed to eating out less this month. With the exception of visiting a friend who was diagnosed with an illness, and a planned vacation the end of the month, I do not plan on eating out. I’ll post the numbers early next week.
I’ve screwed up badly, I have no idea where my mind is. First I write a check for the fence on the wrong account which bounced, costing me $25. Next I use my CC to pay for the fence since the check was written on the wrong account, then paid the CC bill from the wrong account, causing an overdraft 🤦🏾♀️🙄. I’ll call Bank of America to make sure I’m signed up for overdraft protection. I never signed up because I never overdraft. First time for everything.
I’ve got to slow down. I don’t know why I always feel rushed. This behavior has cost me.
Physical news. My blood pressure is slightly elevated, the company I work for reimbursed me for walking pad (treadmill), and I’ve been working to get this thing down. I’ve been exercising daily; however, I need to change my eating habits.
June 8th, 2022 at 05:27 am
Finally closed my books and I was right, I went way over in the travel category last month due to poor planning. I can't beat myself up over spilled milk, I just have to make adjustments, primary adjustment, be involved in the planning whenever there is a trip.
Other than that, I either broke even or came in under budgeted. There were a few unexpected home repairs, it happens and I was able to pay all expenses in cash.
I decided to run a few more reports and found that in October of 2021 was when I hit a positive net worth. I never really looked at this number, disgusted I guess, but now more than ever I'm so interested in tracking. It's a goal to get to six figures, just as much as it is to pay off my debt.
As of today, my net worth is $39,799.17 with a credit score of 845, and total available cash $41,852.90. I would have never thought I'd see this day, never in my life I could have imagine a thing like this. Wow!
I am going to keep pushing, my goal is to hit millionaire status one day and I think I can do it.
May 26th, 2022 at 02:43 pm
All before 9 am I managed to walk two miles going to the grocery store, complete an article for a $100 gift card, send two follow-up emails, apply for a few jobs, updated my MSMoney software with my spending and updated my planner.
I was able to pick up some BOGO items, rice and cereal. This works out because I can add the cereal to my hurricanes supplies. I also picked up some grapes, total spent was $8.30. So essentially I got five items at about $1.66 each. Not bad given to cost of food. Next week I’ll have to drive because water is 3 for $10 and I’m stocking up for hurricane season.
By walking to the store I not only get my exercise in but save on gas as well.
Getting back from vacation was tough, adjusting to the time change and just getting back to the groove of things was so challenging. I really was demotivated to do anything these last few weeks.
May 18th, 2022 at 11:38 pm
Well, I paid the HOA and COBRA bills for three months. I paid two months on the mortgage because the website didn't update and I want to make sure my payments are applied to both June and July, before I pay August.
I'm so glad I did this because I don't know what may happen as far as income goes.
I also purchased a used refrigerator for $214 with tax. Thankfully my ex will pick it up for me, so there is no delivery charge. Though it's not the color I was looking for I'm glad I was able to get a good used one.
I got the news that the payment for my settlement was received, after legal fees I'm expecting about $8500. I'm just going to save this money.
I also saved a total of $433.27, I rounded up to the nearest $50 for all my savings account. I'm a big believer of putting something up, no matter how small for rainy days. So, I wanted to make sure I socked away something since money will be right. I'll update my sidebar later.
Lastly, in regards to finances, I have about 310 euros left and will exchange those tomorrow for US dollars, I checked and it will be $308.
In nonfinancial news, one of the travelers I went on the trip with, admitted that the trip was poorly planned and that he too was very disappointed. I was really surprised because I thought it was just me. He stated that there were quite a few days that he was very upset with us not spending any time at some location visited and also that we had too many things planned for one day.
That's it for now.
January 9th, 2022 at 07:11 am
After balancing my final account, I've been waiting on the statement, the numbers are in. Sadly, overall I spent 14% more than the previous year( 2020).
First, my savings accounts increased by $6789.87; liabilities went up by $2400.07. Last month I used the CC for dental work, I'll be paying it off this month, I wanted to use the CC for points, that equal cash.
I paid off $15,429.81 in student loans; decreased the mortgage by $3455.10, and my net worth increased by$2306.14.
Where I spent my money the most was student loans, up 269% (payments); entertaining, up 101%, I bought season tickets to football games, dental up by 125% and personal care, up by 86%, I started back going to the salon and I'm now cutting this out, so my personal care line item should decrease. Clothing was also up, 26%
I didn't see much decrease but the mortgage decreased by 7%, auto registration was down by 9%, cellular down by 9%; and miscellaneous spending down by 4%
Looking at these numbers really put things in perspective. I'll admit, I lost focus in June and hadn't started budgeting again until December.
Some things I'm doing to ensure this is a better year:
- Started the cash envelopes back up
- Started budgeting again
- Cutting my salon visits
- Will not buy season tickets to the games this year
April 19th, 2020 at 09:45 pm
I’m so thankful for this blog, you all often provide great advice.
I’ve been saving as much as I can. Outside of my grocery and electric bill, my expenses have been extremely low. I’m hoping my manager will continue with the work from home option. So far I’ve saved about $150 in gas alone.
I notice that there has been a spike in the cost of food, an 18 count of eggs 🥚 were just over a dollar now it’s $2+. I understand the supply and demand has impacted these increases, but I can’t help but think yikes!
As you all know, I’m in Florida and people are hitting the beaches in droves. I’ve decided to continue with social distancing, only heading to the store when I need items. No pool or beach for me.
I’ve also been keeping myself busy, attending virtual movie night, virtual BINGO, virtual happy hour and painting a wine glass, all have been fun. I’ll admit I’m a little antsy but safety first.
I’ve also been walking more, I’m down about four pounds, I’m hoping to hit my goal of 10lbs over the next 30 days.
Well that’s it for me
January 18th, 2020 at 08:42 pm
Thank you all for the birthday wishes, I greatly appreciate it.
Yesterday was a very low key birthday celebration. I took $50 out of my slush account and bought two pairs of earrings, my last pair broke.
Then the SO insisted on taking me out for breakfast 🥞 so we did that. Next after breakfast I headed over to the used appliance store, in search of a dryer. Well I found one for $180. I was a little nervous but decided to purchase. As I was heading to over to pay, the SO decided to purchase as a birthday gift. No complaint from me. Saved me $180. I have an account for home repairs and was thinking I should take the$180 and add to CC but it’s best to just leave it.
I pretty much stayed home yesterday, that was my birthday celebration. SO gave me $20 for dinner, I put the money in my cash envelope and ate what I had.
I got a quote on the hurricane shutters yesterday, $3,000. I was actually expecting less. This is the guy who did a friend’s home, at half the price. I’ll call around and get at least three more quotes, and set up a sinking fund for this as well.
Lastly in financial news, the CC was knocked down to $5,500, I’m hoping to have this card paid off by April/May.
My electric bill decreased by about $20 but the water went up $10 🙄🤦🏽♀️. I had a running toilet 🚽 that I believe caused the bill to increase; however, I finally got it fixed.
January 3rd, 2020 at 02:53 am
Great day today.
I had the boys and they were pretty good. We made homemade pizza 🍕, and completed a few home work assignments. They opted to watching a cartoon/movie on Netflix. So that was our day.
I ended up not having a spend day. After the boys left, I finished up putting away a few of the Christmas items, straighten up the closet in the spare room, and moved the elliptical in my bedroom. I figured having the elliptical in my bedroom I’d be more likely to use it while watching tv 📺. I cleaned my bathroom, totally forgot to take care of the guest bathroom 🚽, so that’s on my to list this weekend.
I transferred $1 to my cash envelopes ✉️, for not spending any money 💰 today.
Tomorrow it’s back to work. I can say this week that I’ve been off has been AMAZING. I’m fully rested and ready to make 2020 one of the best years ever.
January 2nd, 2020 at 03:49 am
January 1st and it was a no spend day for me.
I also marked some things off my list, like weighing in, journaling, walking, drinking more water, reading a little, and dumping four chairs, decluttering.
Because it was a no spend day, I added $1 to my January challenge of no dining out. I also added $1 for this week’s 52 week challenge. All the money saved this month will be added to the snowball.
I had a scratch off and won $2, this will be added for next week’s 52 week challenge.
Tomorrow I have my great nephews, I have a few board games that we can play, we will make pizza at home for lunch. I refuse to spend any money. I did get them zoo passes for Christmas, that might be something we can do, we will see. However; I wish it was a little warmer, I’d take them to the pool.
I’m in south Florida and we don’t have much of a winter, but I can feel the temperature dropping a little. I decided that I will not turn the heat on, unless it drops below 60. I can’t stand the cold. The blankets that I have and PJs should keep me warm. My electric bill is slated to be less than $60 this month, and I’d like to keep it like that.
That’s it for now, hope everyone enjoyed their holiday.
November 25th, 2019 at 01:52 pm
Patience and hard work really pays off. I have been wanting an Apple Watch for quite some time, however not willing to pay the $400+ for one. Plus I wasn’t willing to finance One through my cell phone carrier, or put on a credit card.
My employer has a wellness program, in that I can participate in wellness activities, earning points that equate to dollars that then turns into gift cards. I earned enough points to purchase a brand new Apple Watch. Target now has the series 3 on sale for $169.99, I was able to get my watch, that I’ve been wanting for quite some time, using gift cards while staying healthy.
Next I’ll be cashing out my points for an Apple ear pods.
Merry Christmas 🎄 to myself and I didn’t spend a dime, only needed to love a healthier lifestyle.
November 24th, 2019 at 04:56 am
My Friday night’s ritual, usually consists of a shower, review my cash envelopes and balance them, then get excited when I come in under budget, lol. I do this every Friday. I love tracking my spending. Even though I’m still trending to come in under budget by next pay date, Friday, I get a big kick out of where I am with my spending each week.
This week wasn’t too bad, when it came to spending. I did cave in and buy a soda and dined our yesterday.
$31.98 oil change
$17 dining out (lunch and dinner)
$6.66 personal care
$4.24 cleaning supplies
$65 Gift ( fruit basket for someone who is wrapping up chemotherapy)
So far this month, I’ve had 18 no spend days and managed to drink much more water this week.
Using my planner 📒 have been very helpful, with tracking habits.
Today I lounged around, didn’t leave for a thing. Watched a little news, finished reading “Debt Free Forever” and started “The Uncommon Millionaire.” What I’ve found is that the financial books I am reading are the same for the most part; however, I always learn something.
November 9th, 2019 at 02:22 am
Checked my savings tracker and I’m...
* at 67% of my 6 months emergency fund savings goals
* 11% of my home repairs savings goal
* 11% of my new car/car repair savings
* 67% of my Christmas savings goal
* 75% of my professional development
This week I had five no spend days, and I only ate out once. I also had one item to sell on Poshmark, and cashed out $16 of rewards from BoA. I took my car to be repaired, nail in tire and the shop didn’t charge me. Winning 😉
I also updated my cash envelopes and I still have $293 left, awesome.
Lastly I called the bank regarding the escrow account and I was correct. The analysis will take place in December, a check will be issued, about $2,200.
November 3rd, 2019 at 03:45 pm
Yesterday was my first no spend day in a while and the first for the month of November.
Today, I have a few errands, groceries to pick up, gas and return $20 to my checking out. I’d over budgeted cash for my personal care envelope.
After that it’s just rest mode. I have things to do but just don’t feel like it, but I’ll tackle this evening.
The parity I went to last night was nice, I was over dressed but hey at least I didn’t buy anything to wear.
As we move into the holidays, I’m hoping this does not become a spendy kind of a year. I’ve been saving but I just got invited to a good family friends daughter’s baby shower. I knew she was pregnant but for some reason a shower didn’t cross my mind lol
Then there is work
October 22nd, 2019 at 12:56 am
I like reviewing my budget before the month ends to see where I am and so far so good. Areas in that I’m over, I actually no why 🙄🤦🏽♀️
Categories in that I’m over are as follows
* Charitable donations - didn’t plan for the Boy Scout Fundraiser
* Gifts - only planned for my nephew and direct report’s birthday, totally forgot I buy the kids Halloween 🎃 costumes every year.
* Personal hair care - forgot to include my once a month haircut and color. I’ll adjust this.
Good news is that there were only three categories, I paid cash, and all other categories I either broke even or came well under 😀
Next month is a three paycheck month for me. The goal is to budget in such a way that I do not use any of the funds for the last pay check. If I do this, then I’ll meet my goal of three months of expenses saved (EF).
I’ll take this weekend to plan things out.
Other news, I finally scheduled my mammogram, I kept forgetting about this. I’ll get 200 points, with my insurance company that translates into money/gift cards 💰 💳.
Lastly, not money related but I’ve been binge watching Game of Thrones, pretty good
I’m excited about earning the points because I want an Apple Watch and will be able to use those points to get one 😀
January 20th, 2018 at 06:27 pm
Aldo's run today wasn't so bad.
I picked up paper towels for about $1.20 less than Wal*Mart, a bottle of salsa for dip, about a dollar less and cream cheese about $2 less. Saving about $4. Not bad
There was a time that buying generic was a big no no for me, not anymore. It makes no sense to pay for a brand items that are just as food as off brands. I forgot to buy Lysol wipes for the counters, I'll just improvise.
For my birthday my coworkers got me a birthday cake and then the SO bought me one, so I'm stuck with two cakes 🎂. I decided to have friends over tonight for cake. Normally I'd go all out get some appetizers but not tonight, it's just cake and wine with a little dip and chips. I made sure I told everyone we are just having cake.
Other news, I've been using my planner a lot lately, and it's been helping with getting things done. Cleaned, shopped and read all before noon today.
Now it's time to relax before tonight's get together
December 6th, 2017 at 03:25 am
Proud of myself, the office was having their Secret Santa 🎅🏾 drawing today and I told the committee that I was not participating. They continued to try and get me to sign up but I held my guns and said no.
The boss came in with her 2% raise, I felt like crying but I remembered before your blessing you'll go through something. I said a quick prayer, and felt at peace. This manager is the worst, she had another employee in tears and going to therapy but the company continue to allow her bully others. I'll take my 2% with my head up and continue to look for something else.
Today was not a NSD, headed over to Walmart for a few items. I found these neat little gadgets for $10 for my nephews, for Christmas, but was on the fence. Long story short I had the money for it, already budgeted but purchasing would have left me with nothing left over in the gift envelope. I was telling my sister what I bought, she mentioned she bought them one last year so I can take the ones I bought back. Feeling better. So long as I come under, I can throw the amount that's left at CC3. The goal is to never spend every single dollar in my envelopes.
Oops I failed to mention that the linen napkins have been working fabulously. Not saying that I didn't use a few napkins but far less than my normal consumption. I notice the SO took out a roll, I'm waiting to see what he does when we're out and I haven't bought any. Usually I'm the purchasing, he buys the soap, but those $5 can be thrown on my debt.
December 1st, 2017 at 12:02 am
Pay day today, had lunch with a colleague. Our manager has written her up. The woman is crazy and I'm not sure why her retaliatory behavior has yet to be address. Four people has quit because she's just outright nasty, and four have filed grievances. I really didn't want to go but I know she needed it.
$5.65 to CC3 new balance $1019.26. I use a zero base balance budget and had $3.65 to play with so I added it to the CC, plus I had two no spend days, so I added $2
Next lunch was $12.43 this included lunch, I have to remember to order water to keep cost down.
Next I ordered my nephews magazines for Christmas. I was going to go through Ebates for the cash back but found it's more expensive to do that. So $15 for Kids National Geographic, $33.90 for two one year subscription of Boys Life. The Boys Life was reduced by $7 each, I am so glad I waited on purchasing vs using a CC. Next I'll send my other nephew his $25 in a card on Friday. He's 13 so I'm sure he'll want the cash to do what he wants.
Minimum was paid on JCP $117 , and BoA $67.05 CCs
Car insurance was $166.64, I can just kick myself, I forgot to print and sign the change in coverage, I'll be doing this tomorrow.
Of course tithes was paid $160.73 now it's just rent, water, and electric. I'll be taking care of tomorrow.
Oops almost forgot, I got the second interview 😀