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Getting there

June 1st, 2019 at 06:53 am

Now that CC9 is paid off I want to do something to celebrate but I don’t want to spend too much money 🙄. I’ve been planning for this day, even saving for it and I’m like nope 👎🏾. I can’t think of anything fun that’s reasonable to do. It’s a mile stone for me. Maybe I’ll pack a bag and head to the pool 🏊‍♀️

One of my good friends invited me to her place on the beach for Labor Day weekend. I simply need to get there. Tickets are $200+ , it felt good to be able to say yes I can make, since I’ve stashed a few dollars for fun/milestones. I’m thinking that I can book my trip and this would be my celebration for paying off CC9. It’s a mini vacation with great people.

Retirement
I rolled my coins and had a total of $34.50. SO left his rent payment so I’ll be heading to the bank 🏦 to deposit his payment and the rolled coins. I hope I remember to ask for coin roller paper, no need to purchase if the bank gives them to you for free. I’ll be adding the $34.50 to the retirement account.

I finally accessed one of two of an 401(k) I had with an employer. I worked there for 6 months so the balance is only $225. I’ll roll this into a traditional but I can’t locate the account number to set up the rollover. I tried calling and they’re closed. The second account I think may have about $2000 so I’ll roll this one over as well. I can’t access this account either, so I’ll have to call on Monday as well.

Other news, today I’m heading to Walmart. I’ll be picking up items to prepare for my meals. On the menu, pork chops, spaghetti 🍝 (again lol) and I still have chicken left so I’m adding green beans to it. I’ve fell in love with meal prepping. I notice I spend less at the grocery store 🏬 and life is so much better in the evenings. I’ll pick up a few fruits and throw them in individual containers, and it’s water all week.

I feel like I’m finally making some progress. Pray fully CC10 Will be done by the end of the year and then it’s the student loans. I’m anticipating about 3 years to pay them off

It’s Pay Day

May 16th, 2019 at 11:33 pm

Woke up just after 1am checked my checking account and my paycheck was deposited. First thing I did was pay my tithes, I’m so thankful that is, has become second nature to me.

Next I looked and my $500 hit my CC9, all smiles as I added another $231 to it knocking that sucker down to less than $2k, nw balance $1847.75. Next week I should be able to add another $500 🙏🏾😀.

Then I decided to pay the mortgage 🏡. I don’t know if I read/heard this someplace, I think I did, or that I just like to do it but I like to pay my mortgage about 10 to 15 days before the due date. I’m so nervous that something will happen and I won’t have enough time to correct so that I’m not hit with a late fee. Plus I think the best time for a man to pay his bills is when he has the money. As I log in the bank has decided if you pay between the 11th and 16th they’ll charge you $5 if your not signed up for paperless bills. I’m old school and I like receiving my bills in the mail. This really ticks me off 😡 Needless to say and reluctantly I signed up for paperless billing.

Next I transferred money to all my sinking funds 😀. The direct deposit 🏦 didn’t hit because it takes two pay cycles for that to happen, this should be the last time I’m stuck doing this manual process.

Lastly I tried the fresh pizza 🍕 from Walmart, for $6 it was okay. I’ll buy it again but in a much smaller size. My mom gave me two packs of two chicken breast 🍗

I think I’m finding contentment

May 12th, 2019 at 07:17 pm

So proud of myself.

One of my friends made the comment that what I was wearing to see Michelle Obama was inappropriate. So with that comment, on my way home from work, I was heading to the mall.

I thought on my way, one you did not budget for a new outfit. Two, what was wrong with what you were wearing? You wore this outfit to a wedding. Three, if you buy something, you’ll have to use your credit card 💳 . So with that, I kept coming home to shower 🚿 and wear what I had decided on. No new outfit.

It’s crazy because those little words from someone who weren’t going to the event could have easily caused me to go into debt. Rachel Cruze was right, often we live their lives vs our own. So many people buy things they can’t afford or want because of someone else’s words.

Another big achievement, was I’ve killed the no spend days this month. I’ve had a total of nine no spend days this month, and it’s only 12 days in. Not to mention, I haven’t dined out for a few days 😀.

Lastly, I had allowed social media consume me and it was late. I didn’t feel like cooking dinner, well late or not, I decided to prepare dinner, so that I have lunch tomorrow avoiding the temptation of spending money.

I’ve been praying for contentment and I honestly think God is definitely working on me.

You Call it Davish, I say my way

May 6th, 2019 at 03:42 pm

I’ve been doing Davish thing for a while and all honesty I’m glad I’m doing things my way. It may take longer but I know if I didn’t do things my way, I’d be back where I started.

I say all of this to say, tomorrow is bible study night and one of the ladies will be graduating, I totally forgot about this. I’m so glad I save money for birthdays and other miscellaneous items that may pop up that I haven’t budgeted for. I’m responsible for a small cake, I’m estimating $10 and I’ll be getting her a $25 gift card. She’s a struggling mom and I know she’ll appreciate this. If I wasn’t doing things my way, this $40 could have easily gone on a credit card 💳. I’m just thankful that socking away for the unexpected helps.

Today was also a no spend day 😁, I was home sick 🤒

Love Scanning My Receipts

April 30th, 2019 at 05:09 pm

Cashed out $5 from Receipt Hog and $20.85 from iBotta. A whopping $25.85, not bad for scanning receipts and getting rebates on on items I actually need.

I also, used my Humana healthy card today to save on fruit. I’ve had this card since August and never used it. Smh

This weekend, I’ll be crunching numbers to see how things went in April. For May, I’m planning a no dining out month.

Cash Flow

April 22nd, 2019 at 03:03 pm

It feels so good to cash flow things. Needed an oil change and paid cash. I’m glad I have the sinking fund for car repairs. I also went to Walmart, it takes longer but it beats paying $42, I paid half of that. I did realize in order to win with money you have to be inconvenienced.

Aldi Run

January 20th, 2018 at 10:27 am

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

Tuesday Ramblings

December 5th, 2017 at 07:25 pm

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.

Daily Spending

November 30th, 2017 at 04:02 pm

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.

Today's spending
$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 😀

Mid month update

November 18th, 2017 at 05:52 am

Cleaned out the refrigerator and had to throw out a half a chicken, five pork chops, rice and left over Chinese chicken. I thought, how shameful. There's someone out there who could have used this food.

I told the fiancé that I will no longer buy and cook these meals. I generally buy the bulk of the groceries and cook, so that he has something but so much of it goes to waste.

My nephew's girlfriend works for a meal prep company and any left over she shares, at least twice a week. I often get these meals and this too goes to waste, because I've cooked and will pack what I cooked for lunch but no more. I'll be eating my free meals, and if the fiancé refuses, that's his choice. He can spend his money buying groceries.

Last budget period I think I spent only $4 on groceries because I stuck with buy, only what you need, and now I'm sticking with buy nothing since you're getting free meals.

Long story short, Dave Ramsey says while going through this process it's rice and beans, I get free meals that are delicious so it makes no sense to spend the money. Here are a few of the meals.






In financial news here's the first half of the month spending. Not so bad this pay past period.



Oops before I forget, I took the $35 budgeted for my contacts and paid on CC2, new balance $488.04. I'd budgeted $45 this week for my hair for the holiday, I don't think I'm going so I'll be throwing this amount at the CC2 as well. Can't wait for this card to be gone.

Computer Crashed

October 20th, 2017 at 05:57 pm

Well looks like the computer crashed. When we turn it on the screen remains black. I've unplugged, restarted etc and nothing.

It's not in my budget and I'm not considering it an emergency so I won't be replacing it. I may just wait until Black Friday and search for a laptop, unless I start saving for one. Wal*Mart has laptops for less than $200. The good thing is, the job provides us a laptop that I can bring home, sign in and use a Google spread sheet to track my expenses. I'm going to miss the MS Money software I use for tracking spending, but the spread sheet will do until I get my own.

Normally I'd use the credit card and buy one but I refuse to go into debt when there is an alternative. Not sure what the fiancé is going to do because he uses the computer to print his bills for clients. I'm sick of making a way, while going into debt. He needs to step up to the plate. I've told him I am not marrying him if he can't step up.

Different note, mom paid me back the money she owed me. She likes the idea of paying her bills online but doesn't know how to do so. Lol. So she tells me to pay the bill and gives me the money. No worries about her paying me back, she's great with money. So I added this $80 back to my checking account.

I purchased the last item through the checking account today, contacts. I'd budgeted $30 for contacts but it turns out they were $39. After I crunch the numbers, I'll have $57.98 cents left in my checking account. Not sure what I did because I created a zero balance budget and their shouldn't be anything left. Strange. Either way I'm transferring this to the EF, baby step 1.

Lastly, I got home really late. We have a wedding to attend so I'll be going to the salon tomorrow. I did budget this cost in. I'm in need of a hair cut and color, but there is no way am I going to spend almost $100 tomorrow. So I permed/relaxed my hair, and colored it. That's saving me about $35-$45. Tomorrow I'm estimating $60 for services, that will include the cut.

The wedding, I budgeted $50 as a cash gift but I'm going to check out their registry tonight to see if I can find items for about $25 total.

That's it for me right now.

Saved $51 today

September 22nd, 2017 at 05:23 pm

Today was a pretty decent day. The A/C was out at the office, they kept us there. Good thing no one died from heat exhaustion 🙄🤦🏾‍♀️
I hate being in a position where I feel like my job is more important than my health. But I'm still looking.

On a different note, no dining out so $6 saved. I washed my own hair today and that was another $45 saved. All in all I saved $51 today. Since I saved $51 today, I'll split the money saved and add $25.50 on CC3 and $25.50 to my savings.

Tomorrow I have my little mentee so I'll be looking for a nice restaurant with coupons; hopefully we can get a BOGO. I was thinking about pedicures but I need to find something else and less expensive to do.

That's it for now, have a great weekend.

Can't seem to balance

September 1st, 2017 at 09:14 pm

Trying to balance my checkbook and I'm off by $12.61. This is driving me crazy. I've checked and double checked, and still can't find the error. I also reviewed the beginning balance and I can't seem to find the error. I took a break, but really wanted to get into reviewing my transactions for the week every Friday.

For two days I have not dined out, I'm so happy. So I'll be adding $6 to the miscellaneous account ($2 for breakfast; $2 for lunch and $2 for dinner) for day one. I'll do the same on CC number 3 for day 2.

We had bought season tickets for college football game last year, with the tickets you get free wings, so Monday I'll dine in, order a Coke and go home. 😀

Finally a No Spend Day

February 2nd, 2016 at 04:20 pm

Looks like today will be my first no spend day in months. I'm here with dad and will be heading home shortly, when I realized I haven't spent a dime. So I'll be adding $2 on the BoA CC.

In healthy living news, today is day 2 and I have not had a soda, adding $1 to the BoA CC. I also walked a little over a mile today so another buck added to the CC. In all today, I'll be adding $4 payment to the BoA CC.