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Canceled Cable

August 7th, 2019 at 06:01 am

Now that the SO is gone, I wasted no time and canceled the cable 📺 . I’ve already had been billed for August, and according to them, the account had to be closed at end of billing cycle. Honestly I didn’t feel like arguing, I’d been on hold for over a hour so I said okay.

We use to pay about $200 a month, that’s $2400 a year and $1200 a piece a year, ridiculous. Honestly I only watched A&E, MSNBC and once in a while Hallmark, all in all it’s not worth it. He would never cancel, and I always felt forced to pay for something I didn’t want.

I’ll admit I was nervous about canceling but thought, this is ridiculous. Amazon Prime is $120 for a year, and I’m spending $1200. Crazy. I did keep the internet which is also expensive. I’m thinking about getting a MetroPCS phone, with unlimited data, and free WiFi for about $30 a month vs paying the $70 I’m paying now.

I just realized that with Fetch I have $50 in gift cards, I can use this towards my Amazon purchase.

Updated To Do List

August 4th, 2019 at 06:42 pm

Below were a list of things I needed to do today, I actually added three additional items

Today’s things to do
1. Balance checking/saving accounts🏦 ✅
2. Review last month’s spending ✅
3. Review this month’s spending
4. Update cash 💰 envelopes ✉️ ✅
5. Pressure clean patio ✅
6. Make throw pillows
7. Grocery shop
8. Wash two loads today ✅
9. Wash hair ✅
10. Clean bathroom ✅
11. Set up Ring Doorbell ✅

For the most part I got most things on the list done today. My spending for last month was terrible, my dining out and personal (hair care) was well over. This month, I’m watching this baby, I got lazy and need to get back to my personal finances and accountability .

While I was cleaning 🧹 the patio, SO came out and helped. I was able to replace (he bought the paneling) about 10 panels on the fence. I need to replace another 15, about $1.50 a panel, but it beats replacing the entire fence, plus it’s something I can do myself. The patio is definitely coming along. Next weekend I’ll do one more pressure cleaning before painting the following week. It’s perfect timing because we are going into the fall and I love to be outdoors.

I hope he didn’t think by helping that I’m changing my mind, this is something he should have done a long time ago.

I also bought a Ring video doorbell (with motion), they were $69 vs the normal $100 at Best Buy with a free Google dot. Since the SO is leaving, I wanted a camera for the house. This will come out of the home repair/upgrade funds.

I also sold an item on Poshmark, a dress, I made $7.05, this went to the EF account.

SO packed some things, I understand it’s going to take a few weeks to move everything but I’m not sure why he’s coming back tonight. He’d mention he was taking some things to his mom, and would be back. I didn’t say anything because I want this move to go smoothly but when he gets back, I’ll let him know I’m ready for bed and it’s time for him to go.

Time to Get Moving - To Do List

August 4th, 2019 at 05:33 am

Well I’ve been up for over a hour, and wasted a ton of time scrolling through social media.

Today’s things to do
1. Balance checking/saving accounts🏦
2. Review last month’s spending
3. Review this month’s spending
4. Update cash 💰 envelopes ✉️
5. Pressure clean patio
6. Make throw pillows
7. Grocery shop
8. Wash two loads today

I’ll check back in to see how things went

It’s a Struggle but Also a Progress

July 7th, 2019 at 04:58 pm

Washed and colored my hair, saved myself $60. I do have to go in on Wednesday for a relaxer and and cut 🤦🏽‍♀️🙄. Wish I could do this myself but oh well.

Today was a no spend day. I’ve actually had seven (7) no spend days this month. I did buy one item that was not necessary, a float for the pool, I already had one, so I took it back. Got my $3 back.

The best thing I could have done was create sinking funds. I was invited to a birthday party for an old friend, who I love dearly. Even though we don’t talk regularly I would not have missed her party. Anyway, I had the money in the sinking fund to get her a gift, one of my favorite wines.

Also last week, I had the funds for my oil change 😃. Now it’s time to renew my professional membership, cost is $200, I’ll submit for a refund on the job, but if I’m not issued the refund I at least have the money.

Without these sinking funds I would have used a credit card. I’m so proud of myself.

I spent my afternoon balancing my accounts. One thing I noticed on the Vanguard account is an in and out, something called Swipe, what does that mean? Also, SO opened his retirement account, right now it’s $20 a week and we will gradually increase.

My net worth has decreased a little, I can’t wait until I’m able to see a positive number vs a negative one.

It’s a struggle some days but I do see the progress.

Tuesday Ramblings

July 2nd, 2019 at 06:38 pm

Today was another great day. Outside of spending on things I need, eggs, salad 🥗 to go with my frozen meal, and juice 🥤 I spent nothing. I also got $0.20 back by using Ibotta.

Because today was a no spend day, I reduced my personal envelope ✉️ by $2. Yesterday it was my fun envelope. The goal is to come in under budget with my envelopes and transfer this money to the EF. Last month I did a dollar a day, and socked away $23.

For me challenges work, it keeps me motivated.

For dinner tonight I had my frozen chicken parmesan, with a salad and toast with garlic spread. Everything was yummy.

Lastly, I dumped a $1.15 into my change charge after cleaning out my envelopes. I always cash in the change, that comes to about $22.


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.