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Archive for November, 2006

Update

November 30th, 2006 at 09:58 am

I haven't been around here much lately for a few reasons. First, I am not working right now (don't start the new job til Monday the 4th) so I am not sitting in front of the computer for 8 hours a day. Second, my boyfriend and I are now livng together. Big Grin He moved out here from Vegas to be with me. Things are FAB!!!! Big Grin Big Grin Big Grin

So, since he hasn't been out here much, we have spent a lot of this past two weeks going out and doing things...eating out A LOT, driving around a lot, plus general x-mas shopping and stuff. He is not working yet (looking for a job), and I am taking a paycut for this new job.

Money is very tight.

So, I am really going to have to tighten that finanacial belt. Once he gets working that will help some, but it will still be tight. Back to counting every cent I spend and tracking my finances. Ugh.

Although it was a bad idea financially, it still rocked these last two weeks just pretending money was not an issue and doing what we wanted.

Oh well, play time is over. Gotta get back to the frugal life now.

Smile

I declare it here for it to be true...

November 30th, 2006 at 09:32 am

Today will be a NO SPEND DAY!!!

I have plenty of food in the house as me and the boy went shopping last night. I don't have to go anywhere so there will be no gas in the car spent. We have 3 new movies coming in the mail today from Netflix.

I haven't had a No Spend Day in months! Today is the day!

It will be a NO SPEND DAY!

Does anyone know...

November 29th, 2006 at 09:27 am

I saw a commercial for a free "thing" after reabte last night on tv. I can't remember what the damn thing was.

Anyone seen anything recently? Big Grin

Med CC - ICK

November 27th, 2006 at 07:58 am

Well, it is here I hang my head in shame and admit that I have begun to get sucked into the CC habit again. My Med CC has seen some activity lately, and shameful to say, it hasn't been on medical stuff. I have been using it a bit too much.

I'm not sure what the total balance on it is, but I am guestimating it is around $1,700 Frown

I'll update with exact numbers later when I get the guts to call and check on the actual balance. Until then, I did just make a fairly large payment on it.

Med CC Balance: $1,700.00 (?)
Payment 11/27/06: $466.21
New Med CC Balance: $1,233.79


Debt Tally:
$11,254.08 to Mom
$1,335.40 LB CC
$1,233.79 Medical CC
$6.465.12 CC Debt
---------------
TOTAL DEBT: $20,288.39

Cashed in the Change Jar

November 27th, 2006 at 07:25 am

OK, so it's not quite the end of the month, but you all know I get impatient and always cash in my cange jar a little early. So, technically, it is about 4 weeks since the last time I cashed it in. Smile

I tried something new this month: saving all my change AND all my $1 bills. I don't think spent any more than I usually do, and I think this tactic may have helped me save more $ than usual. I was very hesitant to break a larger bill for a small purchase, where before I'd just use the $1 bills, so I think it helped me spend less b/c I just didn't want to break those larger bills.

At any rate, it helped me add a big amount to my $20 Challenge/EF account this month. Big Grin

ING Account (aka $20 Challenge) Old Total: $409.51
$1 Bills Added: $35.00
Change Jar Added: $18.00
New Total: $462.51

Big Grin

Things I Have Never Bought

November 25th, 2006 at 07:04 am

I saw one other blogger did this and thought it looked like fun. So, here we go...

Things I Have Never Bought:

1. A house
2. A pet (yay local animal rescue shelters!)
3. Sex
4. Friendship
5. A motorcycle
6. Wallpaper
7. A new bed frame (or a used one)
8. ...

Umm, this is hard...to be continued

Survey Checks!

November 22nd, 2006 at 05:12 pm

Got both survey checks in the mail this week! More $$ into the ING/$20 account! Smile


ING Account (aka $20 Challenge) Old Total: $389.51
Survey Checks (2): $20.00
New Total: $409.51


Big Grin

Books sold!

November 22nd, 2006 at 05:08 pm

Just got a DD from 1/2.com for more books sold. Can always use extra $, especially now with the holidays here.

ING Account (aka $20 Challenge) Old Total: $373.17
Half.com DD $15.80
New Total: $389.51

Job Decision

November 20th, 2006 at 07:41 am

Thank you all for your advice!! You guys really gave me a lot to think about, adn I really appreciate it. I know this is "just a blog" but I feel like you're all friends and I love you all!!

I decided to take the new job. Many a good point was made about following my dreams, as well as the fact that doing what love is important. One of you (I won't betry who) even commented that *Gasp - saying this on a money saving forum!* "Money isn't everything" and you are completely right. Eventually, the money will follow, and right now it's better to be happy.

THANKS TO YOU ALL!!!!

My list...

November 16th, 2006 at 01:09 pm

1. I have been overweight my whole life (I now weight about 325 lbs), but think I am sexy and really have no desire to change how my body looks.

2. I met my boyfriend online.

3. I have kissed/fooled around with several women, and believe that there is no reason to cut off half the population from being your soul mate if you are attracted to both sexes.

4. I have 2 cats: Pagan October Dragonfly Errington Whitsitt-Lynch Healy and Solstice Angelface Errington Healy. I call them booger for short.

5. I was once in an abusive realtionship and let the man con me into $20,000 of credit card debt, which I am still working on paying off.

6. I sucked my thumb until I was 8, and have a small overbite. On the day I was going to the orthadontist to get my teeth fit for braces, I accidentally slammed my front teeth with the bathroom door (it was stuck and I yanked really hard) so hard that it knocked my teeth back into place and I have never gotten braces.

7. My sister, Mums, and Dad are my 3 best friends ever.

8. In just over 20 years I have been to over 200 concerts.

9. I have met a ton of famous people, including Metallica, Tori Amos, Adam Sandler, David Spade, Wierd Al, Kathy Najimy, Gloria Steinem, Bon Jovi, George Clinton, Dave Matthews, Aerosmith, and many many more.

10. I was picked on so badly in Jr. High and elementary school that I ended up taking 3 1/2 years of Karate and earned a brown belt.

11. I was a Girl Scout until I graduated high school, and now, 10 years later, my old troop and troop leaders still get together for lunch occasionally.

12. I am sloooooowly teaching myself to speak Irish Gaelic.

13. My dream wedding takes place at Stonehenge.

14. I have 7 tattoos: blue cresent moon on my foot, a goddess on my thigh, a sun on my back, a huge bunch of flowers on my back, a red rosebud on my right breast, a day lilly on my shouler, and a cat with wings on my wrist.

15. I have 9 piercings in my ears, my tongue pierced, and my nose pierced. I used to have my left nipple pierced twice.

16. I have 2 college degrees: a BFA in Creative Writing and an MA in Professional Writing. I can't wait to go back to school again!

17. I am Wiccan and have been practicing for over 10 years now. I am a paid tarot card reader, and I also see and talk to spirits on a very regualr basis (my Nana visits me non-stop).

18. I slept over at the Lizzie Borden Bed and Breakfast House and did a full paranormal investigation for my birthday last year. I have voices on tape (EVP's) and several pictures of spirits.

19. I LOVE to read and read an average of 4 books a week. I also read several books at the same time.

20. My older sister saved me from drowning twice: once when I was a year old in the bathtub and once when I was 27 in the Ocean. She only has one lung. (How's that for irony, ay?) Smile

21. One of my favorite snacks is pickels wrapped in american cheese.

22. I am messy. Not, oh I forgot to put the laundry away messy. I mean, I have to clear a path on the floor just to walk through my apartment messy.

23. I once drove my Dad's brand new, 2 day old car the wrong way down a one way and narrowly missed totalling it.

24. When I was little, I'd hit my older sis in the back of the head, then hit my own arm so it was red and pretend to cry and tell my Mums that my sister hit me. She always got in trouble. And yet, she still saved me from drowning. Twice. With one lung. LOL

25. I am a Level 1 Reiki practitioner.

HELP! ADVICE NEEDED ASAP!!

November 16th, 2006 at 07:27 am

So, as you all know, I got the new job I wanted: editing and proofreading for a publishing company.

Here's the dilema....my current boss offered me a promotion and a good size raise to stay!!!

If I take the new job, I take a pay cut, and make about $27,000 a year. If I stay here, I get a raise to about $34,000 a year!!

But my current boss drives me crazy and I have always wanted a job in publishing. But right now $ is such an incentive with my debt...

I'm looking to my fellow bloggers and friends to help me figure this out...

ADVICE??????

I GOT THE JOB!!!

November 14th, 2006 at 04:35 pm

I got the job! I'm starting in about 2 weeks! I'll be a proofreading/editing/production assistant at a company that publishes text books for kids from K-12.

YAY ME! Big Grin

I so rock!!!! Big Grin

Saving/Earning $ this weekend...

November 10th, 2006 at 01:06 pm

I still haev A LOT of things to do before my friend gets here Thursday night, but I also need to get my butt in gear in my finances. Here's some of my weekend plans...

1. Clean out car - This will be helpful a couple of ways. First, it will make room in my car for my friends luggage when I pick him up at the airport. It's also one of the parts of my "house" I need to clean before he gets ehre. A financial bonus is taking all that junk out will help w/gas milage, and maybe I can find some spare change floating around somewhere.

2. Return soda bottles/cans - makes my house cleaning and also gives me a bit of change for the change jar.

3. Laundry away - by actually putting my clean laudry away, I don't think it's dirty and wash it when it's not needed. Also, the cats then can't sleep on it and get it all hairy, which requires another washing.

4. CLEAN THE REST OF THE HOUSE - I'm sure I'll find more change floating around...last night I found $.60 and all I did was clean off the entertainment cneter. Yay me! Big Grin

2nd Payout for Stairs Challenge

November 10th, 2006 at 01:01 pm


This week's payout for my stairs challenge is $2.50 Plus, I had to use $3.00 for tolls on the road the other day, adn it came out of the change jar I have for my $20 Challenge, so I am replacing that with $ from my checking account.


ING Account (aka $20 Challenge) Old Total: $368.21
Added Stairs total week 1: $2.50
Replacement $ from Tolls: $3.00
New Total: $373.71

CC Debt Confusion

November 8th, 2006 at 01:23 pm

Here's the problem:

Originally, it was estimated I would pay about $7,200 total to settle all 3 CC's. Well, according to my payment log, I have a remaining balance to pay of $2,089.02 But I still have about $3,666.04 in prescheduled payments, plus one CC that hasn't settled yet that is about $3,000.

This would put my remaining CC debt at $6,666.04 (ooooh, all the 6s...creepy!).

I've already paid about $4,412.00 since August on them. So this together would put my original total CC debt at about $10,000.

I'm so confused.
I think it may be time to break it all down into individual CC's:

CC Debt Tally:
$4,434.06 CC1 (BoA)
$2,817.12 CC2 (WaMu)
$3,000 CC3 (Chase)
$1,987.20 Fee owed to Debt Settlers
---------------
$12,238.38 total CC debt to repay

CC Debt Already Paid:
-$1,478.02 CC1 BoA
-$2,112.24 CC2 WaMu
-$705 fee to Debt Settlers
----------------
$4,295.26 already paid
$7,943.12 remaining CC Debt to Pay

Other Debt Tally:
$9,054.08 to Mom
$1,335.40 LB CC
$588.58 Medical CC
---------------
Total: $10,978.06
+ CC debt: $7,943.12
---------------
TOTAL DEBT: $18,921.18

Now, originally, I had $13,248.36 in CC Debt and $1,348.10 on a LB CC and I originally owed Mums $5,500.00. This all totals $20,096.46 in debt.

Original Debt: $20,096.46
Payments Total: $1,175.28
Savings Debt Settlement: $1,010.12
New Debt Total: $17,911.06

I really think I'm getting screwed here. Ugh, what a headache I have.

OK, here's what I know to be true:
I currently owe Mom $9,054.08
I currently owe LBCC $1,335.40
I currently owe Med CC $588.58
I currently owe CC3 (Chace) $3,000
I currently owe CC2 (WaMu) $704.08
I currently owe CC1 (BoA) $2,956.04
I currently owe Debt Co $1,282.20
---------------------------------
I currently owe $18,920.38

I am trying to get the fee I owe the Debt Co down, sicne that was estimated on 36 months of service, and I will be using their service for 12 months, max. I will also be making my last payment of $704.08 to CC 2(WaMu) on Nov 30th, as well as prescheduled payments to C1 (BoA) on Nov 30th and December 31st, which will erase the remaining debt on there. Additionally, I have more $ to pay to the LB CC and the Med CC. So, with luck, I am hoping to start 2007 with a total debt of $14,560.26 (Down a total of $4,360.12 in 2 months).

Yikes, now I have a really big headache. *sigh* But at least the numbers are worked out and I know how much debt I truly have. Frown

Big Hunk Paid of the CC Debt!

November 8th, 2006 at 12:49 pm

Old CC Total: $3,567.04
Payment 11/7: -$1,478.02
-------------------------
New CC Total: $2,089.02



Debt Tally:
$9,054.08 to Mom
$2,089.02 to credit cards
$1,335.40 LB CC
$588.58 Medical CC

Total: $13,067.08


Med CC Payment

November 8th, 2006 at 12:34 pm

Old Med CC Total: $640.58
Payment 11/07/06: -$52.00
-------------------------
New Med CC Total: $588.58

Debt Tally:
$9,054.08 to Mom
$3,567.04 to credit cards
$1,335.40 LB CC
$588.58 Medical CC

Total: $14,545.10