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Archive for May, 2007

Half way through 2007

May 31st, 2007 at 04:37 pm

So I just took a look at my goals for 2007. I am really sucking right now. LOL

GOAL: Save $3,000 in EF. How much do I have now? Less than $75

GOAL: Pay off all CC's, CC fee, and car
How is that going? 2 CC's left (almost $4500).

GOAL: Pay Mom back at least $5,000.
How much do I still owe her? $15,000
Yup, not a penny paid back yet.

Kinda depressing. I knew the new job and pay cut would hurt, but didn't think it would hurt this much. *sigh*

Donation 5/30

May 30th, 2007 at 06:05 pm

Made a donation today to a co-worker. She is doing the American Cancer Societies Relay for Life. It's a cause I like to support, so I wrote her a small check.

May 30th Donation: $10 to American Cancer Society
Total 2007 Donations: $49

Cash in the Bag, Wednesday

May 30th, 2007 at 06:04 pm

Well, The Boy is no longer at the job with the tips. Too bad, cuz it was some good change. Anyways, still tracking my regular change. Rolled a bunch and deposited almost $30 last weekend, so my totals are low again. But that just means more fun building them back up! Smile

May 30, 2007
Dollars: $0.00
Quarters: $6.25
Dimes: $2.10
Nickels: $1.10
Pennies: $0.84
Vouchers: $1.10

TOTAL: $11.39

Cutting costs by cancelling services

May 28th, 2007 at 04:01 pm

I had a webpage that focused on my teaching, writing, and tarot readings. I also had an e-mail with it. However it was costing $11.95 a month, and I haven't really touched it in a year or so.
So, I cancelled it.

Also cancelled our Netflix. With those new Kiosk movie rental machines popping up, you can rent a movie for a buck for a night. Much cheaper than the $15 we were paying every month for Netflix, since we don't watch 15 movies a month.

Cutting some of our extras, but I feel OK with it as does The Boy.

An extra $25 or so a month can go towards debt or saving for something.

Ahhhhh, the frugal life.

Big Grin

Another payment on the evil CC

May 28th, 2007 at 06:16 am

Just put another payment on the big CC. Paid $100, but somewere in there I missed $.65 in a finance fee or something, so only $99.35 went towards my debt balance. Slooooooooow going, but hey, I didn't build it up overnight, either. OK, it took a few bad months, but tis OK. It will get paid!!! Wink


PERSONAL DEBT:
Car: $0
CS fee: $0
LB CC: $1,171.91
AT&T CC: $3,347.10
------------------
$4,519.01 (Down $1,000.60)

STUDENT LOANS:
RWU: $26,475.41
UMD 1: $38,044.87
UMD 2: $2,435.76
-----------------
$66,956.04

Other: $15,000

TOTAL DEBT: $86,475.05

Wants vs Needs

May 27th, 2007 at 06:10 pm

My digital camera is dead. It's kinda OK, as I've had it about 3 or 4 years, and electronics tend to burn out around me very quickly (my aura and such).

So, I have found a new one I want. Everything I want in a digital camera, plus a little more. Good price, too. On sale for $130 at Target. But I am trying so hard not to buy it.

I keep telling myself it's a want, not a need. But then part of me says, yes, but to continue to sell things on e-bay, a digital camera would be best. So, is it a want or a need?

Jingle jingle, is that change I hear?

May 26th, 2007 at 01:09 pm

Took my $ bills and rolled coins to the bank this morning. Total will be added to my $20 Challenge Account.

Old $20 Challenge Total: $30.99
Cash from the bag: $29.50
--------------------------------
New $20 Challenge Total: $60.49

Smile

Cash in the Bag, Thursday

May 24th, 2007 at 06:08 pm

More big tips from the Boy! YAY! Was able to roll some more change. Can wait to deposit it and add it to the EF account! Wink


May 23, 2007
Dollars: $6.00
Quarters: $11.25
Dimes: $11.20
Nickels: $2.80
Pennies: $2.04
Vouchers: $1.10

TOTAL: $34.39

PAID IN FULL!!!!!

May 23rd, 2007 at 05:12 pm

With that big freelance check I got last week, I did something FAB today. I paid off the balance left on my car AND on the CS fee!!!

Whoo-hoo!

It feels amazing to have 2 of my 4 personal debts paid off! And even better, that's almost $300 a month towards other debt now! Smile


PERSONAL DEBT:
Car: $0 PAID IN FULL!
CS fee: $0 PAID IN FULL!
LB CC: $1,171.91
AT&T CC: $3,476.45
------------------
$4,618.33 (Down $901.28)

STUDENT LOANS:
RWU: $26,475.41
UMD 1: $38,044.87
UMD 2: $2,435.76
-----------------
$66,956.04

Other: $15,000

TOTAL DEBT: $86,574.137

UPDATED 5/23/07

Today's Cash in the Bag

May 23rd, 2007 at 05:10 pm

The Boy came home from his first day of work with a cup FULL of change! He earned over $11 in tips (he works at a coffee shop) and over $7 of it was all change!

Plus, did more cleaning and found $2 on the floor under a pile of dirty clohtes.

Added it into the Bag!

May 23, 2007
Dollars: $6.00
Quarters: $10.00
Dimes: $8.50
Nickels: $2.15
Pennies: $1.50
Vouchers: $1.10

TOTAL: $29.25

Now that I have a bunch of coins rolled, I can take them to the bank on Friday. It will put approx. $24 into our EF. Smile

FINALLY! Money into the $20 account!

May 23rd, 2007 at 05:06 pm

FINALLY was able to take some $ I earned selling a book and put it into the ING/EF $20 Challenge account. That poor thing needs some life breathed into it!!!
Smile

Old $20 Challenge Total: $21.87
Interest earned: $.39
Half.com money deposited: $8.73
--------------------------------
New $20 Challenge Total: $30.99

Whoo-hoo!

LOL
Big Grin

Drowning...

May 21st, 2007 at 02:55 pm

Ya know that espression, "When it rains, it pours"?

It's like a fucking monsoon over here.

Found a bunch of things to put on ebay. Ebay is giving me issues. Went to take pics of my items, new batteries in my digital camera...camera is dead. Think it's dead dead as in I need to BUY a new one.

WTF???

Grr.....

ok, i'm done bitching

More Cash in the Bag

May 21st, 2007 at 11:36 am

Found $0.75 while I was cleaning. More cash in the bag! Smile

May 21, 2007
Dollars: $4.00
Quarters: $6.50
Dimes: $5.60
Nickels: $1.45
Pennies: $1.05
Vouchers: $1.10

TOTAL: $19.70

Cash in the Bag

May 21st, 2007 at 06:36 am

We save all our spare change in a large manilla envelope. We have banks and jars and containers, but for some reason we throw it in there. Don't ask why. I have no idea.

Anyways, I want to start keeping track of it since I don't deposit it until I have a full coin roll. Meaning unless I have $10 in quarters in there, all those quarters sit and wait. Every once in a while we try and throw in a dollar or two. And when I recycle cans and get those vouchers slip, they go in there until I get to the customer service counter on a trip to the grocery store. When there is rolled change, it goes into my $20 Challenge account. I never really know what is in there, and I'd like to get an idea.

May 21, 2007
Dollars: $4.00
Quarters: $6.50
Dimes: $5.00
Nickels: $1.35
Pennies: $1.00
Vouchers: $1.10

TOTAL: $18.95

Debt Tally

May 21st, 2007 at 06:24 am

Right now my checking account is in the negative until that big check clears (tomorrow). Goddess, I hate that. Anyways, I checked my ATT CC and saw that there were a few small charges that just got on the statement. I also paid $30 onto it today, which will actually go through tomorrow. The $30 was money I got from eBay auctions. Yay! Smile

Anyho, due to the other charges, my debt tally balances have changed. Here are the new ones:

PERSONAL DEBT:
Car: $194.46
CS fee: $394.28
LB CC: $1,171.91
AT&T CC: $3,476.45
------------------
$5,207.07 (Down $312.54)

STUDENT LOANS:
RWU: $26,475.41
UMD 1: $38,044.87
UMD 2: $2,435.76
-----------------
$66,956.04

Other: $15,000

TOTAL DEBT: $87,163.11

UPDATED 5/21/07

Chunks of Money

May 20th, 2007 at 07:57 pm

*sigh* Spent a good chunk of money at CVS today. But it was on need things, not wants, so that is OK.

Vitamins for The Boy - he's not used to damp weatehr (he's from Vegas) and he's not been feeling very good lately so we're hoping this will help out.

Vitamins for me - a new one, on sale for only $6, that helps with weight balance as well. Hey, I'll try anything. Plus I needed more vitamins.

Face wash - been out for a few days now, and acne like mine is ok for a 14 year old, not a 29 year old.

And finally, the most important of all: my birth control pills.

Spend about $35, but all in all, the items we got were needed.

One a diet note, I did OK today. I'm getting better about portion sizes and choosing healthy foods. I am starting a new 6 month program via my health insuranc and when I complete it, I can either contine doing it for no charge, or opt for weight loss surgery and they will pay for the entire procedure.

It's hard for me to really focus on one thing, like getting finances under control. It's so much harder trying to do two things. But, right now one does not come out more important than the other. They are both equally important, and need attention ASAP. Let's just hope by losing weight, I'll eat less, therefore spend less money at the grocery store each week. Smile

Time to reassess...

May 20th, 2007 at 07:04 am

Things I Can Do to Spend Less Money:

1. Cancel Netflix (we don't watch a lot of movies in the summer).

2. Cancel Website and e-mail I pay for (Yes, I have 2 e-mail addy's. Not anymore).

3. Eat breakfast at home instead of stopping for a bagel each morning at the DnD.

4. Make coffee at home every day instead of stopping at DnD.

5. Unplug all electionics, lights, etc we do not use at least once a day.

6. Start clipping coupons.

7. Keep up with regular oil changes in carso my gas milage is better.

8. Clean out my car (needs it big time) so my gas milage is better.

9. Consolidate trips in the car so I use less gas.

10. Plant mostly veggies in the garden this summer instead of flowers like last year.


Things I Can Do to Make More Money:

1. Freelance as much as possible.

2. Yard sale

3. Stuff on half.com and e-bay

4. Yardwork for Mums (This will nt make money per say, but it will be work towards paying off my debt to her).

GOT PAID BIG TIME!!!

May 19th, 2007 at 08:12 am

WHOOOOOOO-HOOOOOOOO!!!!!!!!!!!!!!!!!

My BIG freelance check just came in todays mail!

Over $1,000!!!!!!!!

We needed this SO badly this week. I'm so excited. First, we pay off the rest of the car. Then the fee to the credit company. Then some goes into savings and the rest goes onto the Big CC balance.

WHEW!!!!!!!!!! Feel like such a weight is gone!

Let's do the tally:

$1,080.00
- $194.46 (car)
-----------
$885.54
- $394.28 (Credit fee)
-----------
$491.26
- $150.00 (to EF)
-----------
$341.26
- $300.00 (pymt to CC)
-----------
$41.26 (for fun stuff)

Yes, yes I definately like that. Big Grin

Frusterated

May 18th, 2007 at 04:05 pm

I'm trying to list 2 dresses on e-bay and the damn thing is giving me issues. Had a crappy day today, I don't really need this now. Of course, worried about money. We have about $75 to get us to next Friday. Not bad, but we need groceries, my car is severly ovedue for an oil change, and I will have to fill my car up twice between now and then.

Grrrr...

On the plus side, 2 of my other 3 auctions sold on e-bay. Mailed those out today. Looks like that will be an extra $30. YAY! Now, I really want to put it on the CC debt, but we may need it for necessary things (like groceries or gas in the car). It's frusterating. When I find a little extra money here and there that I mean to use for debt, we always need it for "everyday" things. I guess that's why I'm so in debt in the first place.

The ONLY comfort I get from it is that at least we aren't getting further in debt with these "everyday" items b/c we do have that extra $20 or $30 popping up now and again.

*sigh*

Will it ever end???

Debt Tally Update

May 12th, 2007 at 05:56 am

Made some payments on the AT&T CC ($125), the LB CC ($100) plus my car payment ($195). Slooooooowly coming down, but hey, it's a start, right?



PERSONAL DEBT:
Car: $194.46 (only 1 more payment!!!)
CS fee: $394.28
LB CC: $1,171.91
AT&T CC: $3,352.46
------------------
$5,113.08 (Down $406.53)

STUDENT LOANS:
RWU: $26,475.41
UMD 1: $38,044.87
UMD 2: $2,435.76
-----------------
$66,956.04

MUMS: $15,000

TOTAL DEBT: $87,069.12

Donation 5/11/07

May 12th, 2007 at 05:32 am

My best friend walks in the Relay for Life every year. It's a local fundraiser for the American Cancer Society. (Her Mom had breast cancer. She is a survivor, thank Goddess). I've been best friends with her for 16 years, and for some reason, she's never asked me to make a donation. I always wondered why...

but this year she did! YAY! Smile So, I made a $25 donation to her for her fundraising. And Mums and Dad, being the kick-arse people they are, are also going to make a donation for her. She's like family, after all.

I'm so happy we could help her this year! Smile

May Doantion: $25 to American Cancer Society
Total 2007 Donations: $39