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Archive for February, 2007

Update

February 17th, 2007 at 02:20 pm

Well, things with finances are rough again. Tracking my money didn't help. We got a $200+ heating bill this month (the boy still isn't used to winter here, he's ALWAYS cold - he's from Vegas). The boy still isn't working. I'm on a Dr. prescribed eating plan that makes grocery shopping ridiculously expensive. The boy needed a heavy winter coat, so that went on the CC. Eck....things are tight again. *sigh* Can't wait until they get back on track. Frown

Not Financial, but I Have a Question...

February 10th, 2007 at 06:11 pm

I love this site. Being able to post what's going on financially keeps me on track (mostly) as does reading aout what is going on with everyone else. Also, knowing people actually read my blog encourages me to post and makes me be honest. So, here's a question...

Does anyone know of a site like this one focused on weight loss/healthy lifestyles???

Now that finances are getting under control, I REALLY need to work on my health. I have about 150-200 pounds to lose. It's going to be a long hard road and I'm hoping to find a place that offers the same encouragement we do here.

Thanks all!

MP3 player sold!

February 10th, 2007 at 06:05 pm

Sold my old MP3 player on ebay this week. After fees, shipping, insurance, etc, I made a profit of $18.86. Smile


$18.86 Sold MP3 player on ebay



February $20 Challenge total: $164.35
Smile

12 hundred dollars!

February 7th, 2007 at 11:50 pm

Just took a proofreading job that will pay $1,200!!!!!!!! Will have the job done by end of March, payment 6-8 weeks after that! YAY!!!

This will support our Vegas trip. We are flying out there for a weekend to pack up the rest of the boys stuff and ship it back. Finally, he'll feel lke he lives here and not like a guest!!

Money events are good this week!

-$40

February 7th, 2007 at 11:48 pm

We took $40 from the Fn Account b/c the boy wants to use it to get me something for V-day. How cute. Smile

Fun Account Total: $181.65
Withdrawl: $40.00
New Fun Account Total: $141.65

Donations 2/7/07

February 7th, 2007 at 11:45 pm

$1.00 adoption via Wendy's
$1.00 Muscular Dystrophy via DnD

Total 2007 Donations: $14

Whoo-hoo!

February 7th, 2007 at 11:44 pm

Made $100 freelancing
Got $8.75 rebate
DD $3.24 halfcom
-------------------
$111.99


February $20 Challenge total: $145.49


Big Grin

Selling on Ebay

February 4th, 2007 at 02:56 pm

Listed a few things on Ebay last night. Listed a set of New Yok Jones Signature bracelets I got and never wore. Also listed my MP3 player. It's about 2 year old, but still works perfectly. No scratches or anything. Selling it only b/c I got an Ipod for x-mas and it holds way more songs. Tonight or tomorrow night I'm going to list some more. I have some collectible vintage Strawberry Shortcake dolls that I know will sell, plus a whole weight loss program I got and never tried. LOL At this point, every bit helps! Smile

Spending for Sat, Feb 3rd

February 4th, 2007 at 02:51 pm

Did some spending with the boy last night.

Eating out: $8.02
2/3/07 $8.02

Extras: $55.00
Collectibles $23.00
Books $22.00

Ebay fees: $2.45

Feb Total: $450.90

Change Envelope

February 4th, 2007 at 02:48 pm

So I rolled up my change for the month and counted some of the $1 bills I threw in there. $33.50 Not bad at all, especially since $20 of that was ust quaters!!

So, normally this would go in my ING/EF but I am backing off on saving in there so much and working on paying down my CC debt. Not a whole lot goes on it each month (about $100-$200 on the Med CC which has an APR of 33% and abput $100 on the LB CC which has an APR of 23%). We need towrok out a new system for saving for rent and car payments as well since there has bee some changes in our finances.

So, since I already made a payment to both CC's this month, this $33.50 will sit in the checking account. If, at the end of the month it is still there, it will go to the CC balance. Any oter money that I normally get for the ING/EF/$20 challenge will sit with it until the end of the month. Then, bam, a second payment on the CC's.

February $20 Challenge total: $33.50

To Do this weekend:

February 3rd, 2007 at 03:31 pm

Deposit check - DONE
Deposit change - DONE
Freelance work
SS/diet on ebay
Games on ebay - DONE
Drop off clothes
Drop off applications - DONE
Cook beef stew
Stuff to storage
Book for boy
V-day for boy
Get cat food/litter
Weather strip windows
Research boys glasses - DONE

Tracking Spending

February 3rd, 2007 at 03:27 pm

Working on tracking our (ok, mostly my) spending better. That's what kills us: all the extras.

FEBRUARY:

Groceries: $43.27
2/2/07 $43.27

Eating out: $9.59
2/2/07 $9.59

Donations: $11
2/1/07 $1.00
2/2/07 $10.00

Extras: $23.00
Football Pool $20
ATM fee $3.00

Bills: $298.57
LB CC $100
MED CC $100
CC Co $98.57

Total: $385.43

Debt Tally Update

February 3rd, 2007 at 03:09 pm

OLD DEBT TALLY:
$14,804.08 to Mom
$1,399.48 LB CC
$1,678.04 Medical CC
$986.49 CC Debt
------------------
TOTAL DEBT: $17,968.09

OK, used the CC again. Frown

Med CC
$1,678.04
+ $274.63 (charges and finance charges)
------------
$1,952.67
- $100.00 pymt 2/3/07
------------
$1,852.67


LB CC
$1,399.48
- $144.59 pymt 2/3/07
-----------
$1,254.41


CC Co Debt
$986.49
- $98.57 pymt 2/3/07
----------
$887.92


OLD DEBT TALLY:
$14,804.08 to Mom
$1,254.51 LB CC
$1,852.67 Medical CC
$887.92 CC Debt
------------------
TOTAL DEBT: $18,799.18

Frown

Biting the Bullet

February 3rd, 2007 at 02:51 pm

As much as I love savin up my ING/EF account, I think I need to get some of my debt in order. Taking some $ out of it to pay a bit extra on the CC's this month. Cuz really, as much as I love building an EF, what good is it if I have trouble paying my monthly bills???

$20 Challenge Old Total: $736.35
Transfer to pay bills: $200
Interest earned ane: $3.14
-----------------------------------
Total for 2007 Goal: -$160.51
New Overall Total: $539.49

Donations

February 3rd, 2007 at 02:46 pm

I have decided to track what I spend in Donations. I don't do huge amounts but a little here and there.

Donations for January
$1 to adoption fund at Wendy's

Donations (so far) for February:
$1 to adoption fund at Wendy's
$10 to American Cancer Society Daffodil Days though work


Total 2007 Donations: $12

Payday and yet I still have money stresses...

February 2nd, 2007 at 01:19 am

Payday! As of midnight tonight I get paid (I love direct deposit). But I'm still stressed. About $700 (for 2 weeks, this is take home) and I have to pay $85 for car insurance, $165 med bill, $130 phone bill (grumble grumble), $200 into the EF I borrowed, $100 into the savings for a cc debt auto payment deduction, buy groceries, have enough for gas for my car for 2 weeks, do a donation at work, pay for the football pool at work ($20), and any other bills we get in the next 2 weeks. *groan* I feel a headache coming on. I hope that freelance money comes in quicker than 6-8 weeks (considering my boss hasn't even submitted it yet).

Blah.