dec 2008-dec 2009 Networth

Starting with a whopping -$16,411

=) I'm proud.

14$ less

My second to last payment to my best buy card before transferring it to my lower apr card (Cap 1)

Best Buy $1324-$14=1,310.00

wow that sounds big. But I have gained a lot of confidence this year knowing what i can handle and what I cannot. I know I can ditch this quick :)

transferring FUNDS

So i have a free balance transfer to a lower apr card so I will be transferring my BEST BUY card that will later this week have a balance of 1,310 to my Cap1 Card. I will then have 2 cards left.

Cap1- 1,753
Hsbc- 1,400

Total- 3,153

I know its went up a bit mostly from little stupid purchases here and there not christmas at least that would be a legitimate excuse anywho...This will be GONE asap!!! Hopefully by May 09' think i can do it???

I do :D

Changing Gears :)

so the everyday spending is still being tracked but I'm going to start posting my debt snowballing that seemed to be very motivating to me :)

So what I'm focusing on paying off is my best buy card:
Balance currently : $1,324.00

My paychecks will be dipping slightly do to a change in my employers health insurance so depending on what those checks look like will determine how much I can throw in this direction. But I will be snowflaking like a mad woman 1$ at a time! :)

Merry Christmas!!

christmas update

Total-467.70$ to spend

Parents-100-90$ bought, wrapped and paid for in full
Sister1-40$-45$ bought
Sister2-40$-55$ bought
Sister3-40$-62$ bought
BFF-40$
BF-75$-82$ bought
cousin-8$ bought
me-23$- bought [it was from Victoria(on sale) and i love it very much!]
Traveling-30$ gas

Total-404.46$

so its been awhile :)

so lets start from yesterday :-D

Wed- 10$
lunch-10$ it was delicious and i had it for dinner too :)

btw for christmas this is my budget
christmas bonus- 200$
cashed out hours-217.70$
Gift card- 50$
Total-467.70$

Parents-90$ bought, wrapped and paid for in full
Sister1-40$
Sister2-40$
Sister3-40$
BFF-40$
BF-75$

Traveling-30$ gas

Total-355.00$

Mon-Wed Spending

Monday- 25.18$
Groceries-25.18$

Tuesday- 6.11$
lunch-6.11$

Wed- 5$
Car Wash-4$
snack-1$

Mon & Tues

Monday- 17.38$
Lunch 6.51$
Snack 4.01$ (for two)
TP-6.86$

Tues- 2.19$
snack- 2.19$

Thursday- Sunday =84.65$

Thursday-14.78
14.78- movie SNACKS (NEW moon YESSSS)

Friday- 25.90
17.05- dinner
8.85- cover/drink(1)

Saturday- 8.25
8.25-lunch

Sunday- 35.72
9.22-dinner
26.50- sister's bday gift (budgeted for)

Wed Spending

Wed- 20.13 (here we go w/ the eating out spending ONCE AGAIN)
Lunch-6.32
Dinner-13.81

Tuesday 11/17

Tuesday Spending- 0$
0$ no spend day...yep first day all month hehehe

11/16

Monday Spending- 6.37
Lunch 6.37

Weekend

Friday- 8.77$
qdoba- 7.61
pop- 1.16

Saturday- 14.50$
car wash DELUXE- 8.00
movie- 6.50

Sunday- 2.99
pillsbury ready to make cookies- 2.99 (yumssssss w/ Turkeys for thanksgiving)

Wed and Thursday

Wed- 19.02
Lunch 5.51
Dinner 13.51

Thurs- 29.95
Dinner 29.95$ (bday for a friend)

I really need to quit eating out :/ this is killing me!!!!

Tues 11/10

Tuesday- 3.45
Pumpkin Spc. Latte- 3.45

Weekend + Monday

Friday- 37.53$
Lunch- 8.16$
Dinner 29.37$

Saturday- 39.01
Sporting Evnt Drink-5.50
Gas- 33.51

Sunday-124.78$
Ikea-64.09
Ikea- 2.00 (cinn. roll bottle water)
TJ's-40.11
Meijer- 10.23
Lunch-8.35 (Olga's)

Monday- 1.79$
Pop-1.79$

11/5

Thursday- 35.26
Drinks- 35.26 (not good on a school night kids heheheh)

11/4

Wednesday-6.11$
Lunch-6.11$

11/3

Tuesday- 3.78$
Extra Apt key-1.79$
snack-1.99$

11/2

Monday-9.08$
Coldstone-9.08$ (me and a friend)

Weekend

10/30- 0$
NO SPEND DAY

10/31- 46.06$
Dinner 30.85$
COLDSTONE-4.76$
Movies-7$
Starbucks-3.45$

11/1-51.26$
Groceries-32.71$
Subway-18.55$ (for my sisters and me)

10/29 Spending

Thursday- 66.53 (not budgeted for ...i know i know)
Old Navy-31.80
Dick's Sporting Goods-21.19
Dinner-13.54

Lovely

Written by Regina Brett, 90 years old, of The Plain Dealer, Cleveland, Ohio

"To celebrate growing older, I once wrote the 45 lessons life taught me. It is the most-requested column I've ever written."

1. Life isn't fair, but it's still good.

2. When in doubt, just take the next small step.

3. Life is too short to waste time hating anyone.

4. Your job won't take care of you when you are sick. Your friends and parents will. Stay in touch.

5. Pay off your credit cards every month.

6. You don't have to win every argument. Agree to disagree.

7. Cry with someone. It's more healing than crying alone.

8. It's OK to get angry with God. He can take it.

9. Save for retirement starting with your first paycheck.

10. When it comes to chocolate, resistance is futile.

11. Make peace with your past so it won't screw up the present.

12. It's OK to let your children see you cry.

13. Don't compare your life to others. You have no idea what their journey is all about.

14. If a relationship has to be a secret, you shouldn't be in it.

15. Everything can change in the blink of an eye. But don't worry; God never blinks.

16. Take a deep breath. It calms the mind.

17. Get rid of anything that isn't useful, beautiful or joyful.

18. Whatever doesn't kill you really does make you stronger.

19. It's never too late to have a happy childhood. But the second one is up to you and no one else.

20. When it comes to going after what you love in life, don't take no for an answer.

21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion. Today is special.

22. Over prepare, then go with the flow.

23. Be eccentric now. Don't wait for old age to wear purple.

24. The most important sex organ is the brain.

25. No one is in charge of your happiness but you.

26. Frame every so-called disaster with these words: 'In five years, will this matter?'

27. Always choose life.

28. Forgive everyone everything.

29. What other people think of you is none of your business.

30. Time heals almost everything. Give time, time.

31. However good or bad a situation is, it will change.

32. Don't take yourself so seriously. No one else does.

33. Believe in miracles.

34. God loves you because of who God is, not because of anything you did or didn't do.

35. Don't audit life. Show up and make the most of it now.

36. Growing old beats the alternative - dying young.

37. Your children get only one childhood.

38. All that truly matters in the end is that you loved.

39. Get outside every day. Miracles are waiting everywhere.

40. If we all threw our problems in a pile and saw everyone else's, we'd grab ours back.

41. Envy is a waste of time. You already have all you need.

42. The best is yet to come.

43. No matter how you feel, get up, dress up and show up.

44. Yield.

45. Life isn't tied with a bow, but it's still a gift."

10/28

Wednesday -3.81$
Coffee 3.81$- Pumpkin Spiced Latte :) yuuuummm!

Tues Spending

10/27- 2.45$
Snack-2.45$

Also DAY 2 of "Jillian KICKS YOUR BUTT" AKA 30 day shred
i'm feeling it!

Monday Spending

10/26- 6.58$
Lunch- 6.58$

Another Weekend....wow

Friday- 26.47$
Snacks- 4.48$
Sigg Bottle Online- 21.99$

Saturday- 64$
Paranormal Activity-14$
Car Maintenance- 40$

Sunday- 0$ yaaaaaaay

UPDATES!!!

So here is the Updated from 12/9/08 Ugly Truth:
Car- $16,800 ish Now 14,000
Student Loans- $7,500 still $7180 I have been more focused on my CC's w/ the insane interest!

Credit Cards
Younkers 358.00-DONE
Same As Cash Plan 800.00 due by June 9th, 2009 (This is my focus)-DONE
Overstock (Chase) 1,058.00- DONE
Amazon(Chase) 679.00-DONE
Best Buy(Mastercard) 241.00-DONE

HSBC NOW 1,118$
Capital1 NOW 448$
Best Buy(Store Card) 2,225.00- NOW 1412$

Total 5,953.00- Now 2,978$


OLD Monthly Expenses include the Following:
Rent 463$ (Includes Cable)
Car 380$ (YES this is a huge burden but a necessary evil)
Food 80$ (I go home frequently to my parents and they give me groceries)
Gas 100$ (Lately with the low prices before it was around 150$)
Student Loan 100$
Car Insurance 86$
Electric 20$ (split with roommate)
Internet 18$ (split with roommate)
Verizon 60$ (family plan trying to get on my own plan soon)
Charity 30$ (ON my way up from 10$ a month :)

1,337$
CCards 300$ month
Total 1,637$ month


UPDATED Monthly Expenses include the Following:

Rent 458$ (Includes Cable)
Car 380$ (YES this is a huge burden but a necessary evil)
Food 100$ (I go home frequently to my parents and they give me groceries)
Gas 100$ (Lately with the low prices before it was around 150$)
Student Loan 25$ (The loans are in deferment I'm taking classes)
Car Insurance 82$ (For a few dollars more a month i now have a cheaper DEDUCTIBLE)
Electric 20$ (split with roommate)
Internet 10$ (split with roommate)
Verizon 60$ (my own Plan)
Charity 60$ (ON my way up from 10$ a month :)

1295$
CCards 400$ month
Total 1695$ month



My NEW Plan is:
OVERSTOCK OUT!
Best Buy Card
Then Cap1
Take out the HSBC card it has the LOWEST Interest currently!
By JUNE 2010
Then Finish My Car:)

October 22nd Spending

Thursday 10/22- 9.22$
Dinner-9.22$

Benevolent Creator

Fabulously Broke in the City did this quiz so i had to try :-D

October 21st Spending

October 21st- 0$
yay :-D

10/20 spending

Tuesday Spending-46.61$
Lunch-6.11$
Walmart-40.50$ (groceries, vitamins, Jillian Michael's 30 day Shread, free weights 2-3lb'ers)

10/19 spending

Monday 10/19- 25.79$
Sweater- 20.99$ (lack of planning and nothing to wear to an event)
Card-2.85$ (for said event)
Snack-.60$
Pop- 1.35$ (for my sister)

weekend SPENDING UGH!!!

OUT OF CONTROL weekend of spending....

Friday- 46.45
Lunch - 10$ (w/ coworkers)
USPS -2.77$ (book i sold on Amazon.com)
Dinner-6.68$
Drinks-22.00$ (round for friends)
snack- 5$ (split w/ friends)

Sat- 121.29$
Movies-10$ (whip it)
Lunches- 11.41$ (for the week)
Lunch-14.63
More Meds-17.41 ( im sick my sinuses are clogged BOUGHT the neti Pot)
Shopping-67.84 ( i know i know :/)

Sun- a much needed 0$ NON-spend day

100th post

October 15th spending- 34.49
Walmart toiletries and OATMEAL- 31.64
Cough drops 2.85

October 14th

10/14 Spending-No Spend day #1
ohhh boy 1 of 12???? i better get going!!

Networth Iq

10/14 spending

well i've been sick the last few days and instead of going over what i've spent im just going to continue with yesterday :)

Tues 10.14- $4.23
Medicine- $4.23

thats all...im feeling better but planning on crashing when i get home instead of working out and i don't feel bad at all....(well maybe a little)

October 7th and 8th

Oct. 7th- 44.78
Dinner 9.71
car wash 4.00
oil change 31.07

Oct. 8th- 7.81
Snack 1.59
Groceries 6.22

BIG NEWS!!
I just got paid back from a friend that I thought I would never see the money from so as of TOMORROW Overstock Mastercard will completely WIPED OUT! Which will leave me w/ 3 cc's.
WOW....i'm in awe ;)

Okay....sorry im slacking

October 1st - 4th I was on Vacation.
Total Spent $102.41 spending cash everything else paid with savings

October 5th- $6.32
Lunch- $6.32

October 6th- $3.08
Snacks- $3.08

9/30.......

i did it :) 10 solid NO spend days...i just barely made it. My new plan is next month 12 no spend days. Thanks everyone for the motivation. Also I'm getting a mini windfall of about 500$ I can't decide if I should finish the EFUND or the overstock or I could use part to pre pay my car insurance i've always payed month to month and ended paying more....any other ideas?

10/10 NSD Mission Accomplished

9/29 spending 0$

NSD.....YAY

9/10 Total

NSD DAYYYYYYYY!!!

YEP 0$ SPENT on Monday September 28th =)
eeeek

8/10 nsd days

I'm going to keep this going I'm going to try and have 10 spend days next month again.
If you don't succeed, don't give up ;)

WEEKEND Spending

Friday9/25- 6.07
movie Snacks-6.07

Sat 9/26- 11.07
Shampoo and Conditioner-11.07

Sunday 9/27- 13.63
Weekly Lunches (brought back roommate bottles) -3.71
Movies-7.50
2 Pop's for Movie @ gas station ;) - 2.42

Thursday 9/24

9/24 spending- 17.89
sale vitamin waters-5.19
drinks w/ a friend-12.70

Just ten.....

High Class, Low Income tagged me

1. i really want a garmin forerunner it will be my NEXT INVESTMENT
2. i LOVE My Car so much I can't wait to find a guy i love even equal to it ;)
3. My dream is to be a runner....im trying.
4. I tend to hang out with younger people...and then get frustrated at their priorities...hmm
5. I love UGLY BETTY its my fave show.
6. i love nescafe coffee better than most others even though its INSTANT
7. i'm a sucker for packaging...i love new anything...
8. i have a LG Dare its my favePHONE yet...although my high tech friends say its a wannabe iphone
9. i work at a desk all day
10. i want a pug :) like TINA'S

excuse my excessive LINK use...hehee

Sept. 22nd

NO SPEND DAY!! :)

7/18 EEEK!!!

9/22 spending

Monday Spending 9/22-2.98
Snack-2.98

Okay so I've finally realized that a major problem of mine is lack of planning...so now i must fix that :)

6/10 NSD

Weekend 9/18-9/20

Friday- NO SPEND DAY

Saturday-70.65
2 cokes-1.25
Hair Done- 36.50
Lunch-20.24
Dish to Pass for a party-12.66

Sunday- 22.70
Bottle of Water-1.50
Starbucks for the Fam-21.20

Thursday 8-17

Spending- 18.84$
Dinner-18.84$ ( it was fab...NO GUILT)

9/16

6.32$ total
Subway- 6.32$

9.15.09

Sept. 15th Spending- 4.68$
Candy- .99
Smoothie- 3.69

9/14 so close on a NSD

9.14.09-1.16
Pop-1.16

GRRRRR!!! seriously I've had so many close NO SPEND Days...and then i blow em for no reason....hmmmmm BRAINSTORM time, where is my self control???

WOW Big Spending Weekend!!

Friday 9.11.09 - 56.50
Drinks- 26.00
Dinner-25.00
Lunch- 5.50

Saturday 9.12.09- 19.45
Make up- 16.50
Redbox- 1.06
Dinner-1.89

Sunday 9.13.09- 77.98
Lunch-9.22
Shoes- 47.69
Groceries- 19.60
Iced Tea-1.47

Total-153.93

Apparently I went brain dead on Friday and spent like i had no care in the world....weird... :/ hope this doesn't ruin the whole Month.

9.10.09- spending

NO SPEND DAY-5/10
HOOOORAY :)

9-9-09 spending

Total- 11.63
Lunch 6.64
Dinner 4.99

Why can't I bring food from home.....grrrr!!!

Tuesday Sept. 8th

Tuesday Spending- 8.03$
Dinner-8.03$

Long Weekend- Short Spending

Friday- No Spend Day 2 of 10

Saturday- 22.50$
Lunch-10.26
Target-12.24

Sunday- No Spend Day 3 of 10
Monday- No Spend Day 4 of 10

Thursday Spending

9/3/09- 11$
Baseball Game & One Drink-11$

Wed Sept 2nd

Wednesday Spending- 22.87$
Car Wash 4$
Dinner 8.87$
Movies 10$

1 of 10 no spend days completed.

No Spend Day 1

Sept.1st 2009-0$

Thats all :)

Monday Spending

Aug 31st Spending-37.69
Subway- 6.58$
Groceries- 31.11$

Here goes the 10 days of no spending this month! =)

28th,29th,30th

Friday-79.50
Lunch w/ tip-11$
Dinner-2.12$
Shopping- 66.38- I did get some GREAT deals :)

Saturday-4.66
Coffee-1.20
Dinner- 3.46

Sunday- 34.94
Gas- 32.82
2 McD's Iced Teas-2.12

a PLANNED night out

So I went out last night and did a pretty decent job especially because the night was planned and I set aside 30$ in my budget at the beginning of the month and only spent 23$ YAY ME :-D

Total Spending- 23$
Drinks and Dinner 23$

Spending 8/26

Wed. Aug 26th- 3.01
Gas Station-3.38
Lunch Brought Back Bottles- +.37

I got paid for buying my lunch...hehe

Spending 8/25

August 25th- 3.28$
Rite Aid-Personal Items- 3.28$

This so could have been another no spend day!!! :/

Monday 8/24

Spending 8/24- 6.37
Subway- 6.37

That's all...i didn't bring a lunch and I love subway scrabble hehehe ;)

AlSO i HAVE jumped on the

No-Spend Days Challenge!

I'm hoping for 10 no spend days for the month of SEPTEMBER!!!

Friday-Sunday Spending

Friday- 51.75$
Movies and Dinner-14.00
Slushie at the Movies- 4.75 (i know :/ but they are so YUMMY!)
Gas- 33$

Saturday-0$
Sunday- 0$

2 no spend days!!!! YAY =)

Thursday 8/20

8/20 spending: 28.33 total
rite aid- 2.48
groceries 25.85

i ran out of lunch foods and milk and bread and toilet paper ...had no choice ;)

Flash Back to Post Number 1

Okay so I stumbled upon my premiere post Dec.9th, 2008 and have decided to update it a bit. Sorry if this is confusing!

So here is the Updated Ugly Truth:
Car- $16,800 ish Now 14,500
Student Loans- $7,500 Now $7188 I have been more focused on my CC's w/ the insane interest!

Credit Cards
Best Buy(Store Card) 2,225.00- Now 1444$
Same As Cash Plan 800.00 due by June 9th, 2009 (This is my focus)-DONE
Overstock (Chase) 1,058.00- Now 940$
Amazon(Chase) 679.00-DONE
HSBC still 918.00
Younkers 358.00-DONE
Best Buy(Mastercard) 241.00-DONE
Capital1 474.00- Now 378$
Total 5,953.00- Now 3,680$


OLD Monthly Expenses include the Following:
Rent 463$ (Includes Cable)
Car 380$ (YES this is a huge burden but a necessary evil)
Food 80$ (I go home frequently to my parents and they give me groceries)
Gas 100$ (Lately with the low prices before it was around 150$)
Student Loan 100$
Car Insurance 86$
Electric 20$ (split with roommate)
Internet 18$ (split with roommate)
Verizon 60$ (family plan trying to get on my own plan soon)
Charity 30$ (ON my way up from 10$ a month :)

1,337$
CCards 300$ month
Total 1,637$ month


UPDATED Monthly Expenses include the Following:

Rent 458$ (Includes Cable)
Car 380$ (YES this is a huge burden but a necessary evil)
Food 100$ (I go home frequently to my parents and they give me groceries)
Gas 100$ (Lately with the low prices before it was around 150$)
Student Loan 25$ (The loans are in deferment I'm taking classes)
Car Insurance 90$ (For a few dollars more a month i now have a cheaper DEDUCTIBLE)
Electric 20$ (split with roommate)
Internet 18$ (split with roommate)
Verizon 60$ (my own Plan)
Charity 50$ (ON my way up from 10$ a month :)

1,301$
CCards 400$ month
Total 1701$ month

My OLD Plan is:
Same as Cash Plan
Pay off- Younkers and Best Buy Mastercard with Tax Refund
Take out the HSBC card it has the highest Interest
Then the Chase's
Then Cap1
Then Finish My Car:)

My NEW Plan is:
OVERSTOCK OUT!
Best Buy Card
Then Cap1
Take out the HSBC card it has the LOWEST Interest currently!
By JUNE 2010
Then Finish My Car:)

Wed Spending

8/19 Spending-2.48
Rite Aid-2.48$
wow another ALMOST.....these must be what kill my budget!

8/18 spending

August 18th Spending- 5.30$
Subway 5.30$

I get paid tomorrow so another round of payments go out.

Monday 8/17

8/17 Spending- 1.06
McD's Iced Tea-1.06


dang almost a NO SPEND DAY!

Friday- Sunday SPENDING

Friday-112.04
Qdoba- 8.87
American Eagle- 73.62 (outfit for Family Reunion we had our Family Picture taken)
Wetseal- 13.25(part of the outfit)
Mcd's Iced Tea- 1.06
Baby Gift- 15.24 (Friend just had a baby last week)

Saturday- 0$
Zumba Workout =)

Sunday- 0$
Family Reunion

DrumROLL PLEASE...

The groundbreaking news is in........

AMAZON IS PAID IN FULL!!!!!!!! =)
YAY! I am very excited to retire yet another card from my very annoying collection.

So on to the next largest interest rate the Overstock MasterCard is on its way out!


Thursday Spending: 0$
Yep what a great week this ended up being...hopefully this weekend is filled with little to no spending as well. Here's hoping.

8/12 spending

Wed 8/12 Spending-5.82$
Subway-5.82$

Yea...should have stuck w/ pb sandwich I brought...but it just didn't sound as good when it got to be lunch time...not a good excuse but it is the TRUTH.

BTW....Ground Breaking news tomorrow a.m. Can't wait ;)
any guesses???

Tuesday Spending

Tuesday 8/11- 35.63
Gas- 32.76 (2.65 a gallon)
Rite Aid- 2.87 ( a little snack)

thats all!

Monday Spending

Monday 8/10-32.31
Ice Cream from Coldstone-4.32 (p.s. it was very HOTT yesterday ;)
Birthday Gift-27.99

Again the Gift was planned....the ice cream was AMAZING...just saying.

Also a nice chunk of change to AMZN-$45.00-$115.00 LEFT to go

Weekend Spending

Friday8/7- 9.22
Potluck for work- 9.22

Saturday8/8- 45.06
Coffee and Muffin- 4.56
HairDone- 36.50 (hair color and blowdry style and nails painted)
Drinks-4.00

Sunday8/9- 57.26
Groceries-57.26

Okay so thats alot of money!! Although 90% of it was planned

Also 20$ payment to AMAZON= 160$ LEFT to go =)

Thursday Spending

Thursday- Aug.6th- 1.06$
Mcd's Coffee- 1.06$

pretty good...almost a no spend day!

Spending and Pymnt to Amazon

Payment to Amazon 15$- 180$ left to go

Wednesday- August 6th, 2009- 12.37$ total
Car Wash 6.00$
Subway 6.37$

Today will not be a no spend day either :/ I already bought a coffee at Mcd's. Although I did bring a lunch so I should be good for the rest of the work day at least.

Spending Reports

Thanks to Serendipity and her spending reports I'm going to start my own ;) I really want to start having some no spend days and this may be the motivation that I need.

Monday- August 5th- 1.48
can soda- .60
candybar- .88

Tuesday- August 4th- 4.92
Usps-4.92 (Sold a Book on Amazon.com)

a set back ......or blessing in disguise

So my roommate and her boyfriend broke up so that means he will not be moving in and the 150$ that are supposed to be going to get rid of my amazon card are now going to my normal rent payment. My issue is will they get back together and if so will he just be sitting around my apt. not paying any rent as he has been since January? I'm frustrated but at the same time glad that I do not have to move. I like my apartment and the amenities and the staff and trusted maintenance people. I've been in this apartment for three years and had no reason to move out except the fact that I did not want to be living with them. So right now yea I'm annoyed but I'm sure some way someday it will make sense.

So lets see if I can get these 195$ done ASAP.

fee's again

fee's this month were 6.98 but i cut the card 191.49 this month which is def!!! something to CELEBRATE!!! YAY!!! =) AND my monthly fee dropped a few bucks as well. Down from 10.47 last month. So I am sitting at 234.98. Which will hopefully be gone this month if all works correctly. Possibly by my next check...but I'm not holding my breath! ;)

10$ min payment goes in tomorrow= 224.98 total
150$ extra rent payment= 74.98
45$ left from paid off cards= 29.98

This should be a breeze!

Some more payments

23.00 payment TODAY= 335$
32.00 payment 7/19= 303$
75.00 payment 7/21= 228$ YAY!!!!! =)

My goal is for this amazon card to be gone by August, I can definitely pull this through. My Rent supposedly will be going down next month when my roommate's boyfriend moves in. Although then the apartment hunt begins. So I will have a few months where I will pay about 150$ less for rent. This will be going to my amazon card. After that is paid off, It will be going to my Savings account until I find somewhere else to stay.

Tomorrow

$16.47 payment- 358.00 to GO!

Snowflaking Week of 7/6

July 8th-Pymt 7.00$- 419.47 total
July 10th-Pymt 45.00$- 374.47 total left

=)

the fee's return

Fee's= 10.47$ for the month

Brings us back to 426.47 :/

Have to wait a couple weeks for another payment maybe I'll try and sneak one in....

Till payday....

the kind fo SNOW I LIKE

Snowflakes :) to my debt reduction....even though its going to be around 90 here today my debt is being snowflaked with....

14.00$ to AMAZON Mastercard

Grand TOTAL

416.00$ LEFT to go

Have a good weekend everyone =)

Networth IQ

credit card debt go away....

12.50$ more to the amazon
leaves me

430$ to GO!!!!!

I much rather this money going to something fun...but maybe i should be having less fun and less spending than I have been. Then I would be much farther in my debt reduction :/

Most likely no more payments till the first check I get in July. Things are pretty tight till then, but good news is my sister is turning 17 next week and is a major fan of 'THE OFFICE' and I found her a t-shirt of from the picnic episode which is one of her favorite episodes so I know she will love it. I need to make a savings account for gifts...going to ING now and doing that :)

38$ more

leaves me w/

442.50$ eeeeek!

it just keeps shrinkin'

another 18$ payment tomorrow


480.50!!! eek:-D

More Snow-flaking

payments towards the STUPID CARD!

40$ yesterday

31.50$- 6/13

leaves me under 500$ =)

498.50 left to go.

snowflaking AMZN

40$ towards amazon visa =)
530$ to go!

10$ less

570$ on my AMAZON :-D

amzn update

580$ left on the card =)
Hopefully able to toss 100$ more this month, that's the goal.

and 3 of the 18 workouts for the month are done! =)
I'm def. getting used to this although i haven't made my 18 a month yet 16 is much better than I was doing.

Amazon DEBT!

So I've kinda fell off the wagon this weekend I spent a lot of money on clothes and eating out that could just as well went to my stupid cards!! :'( O-well what can I do its spent and done with!

My amazon card got hit with 12.32$ finance charges so my total is now

611.32$ total
9$ payment coming out tomorrow
602.32$ left on the card

New Payments

Amazon M.Card
12.31 payment- 609.82
10.82 payment- 599.00

599.00 to go =)

little BABY STEPS....

Switching Gears

Okay so a few weeks ago I asked HSBC for a lower interest rate and guess what I got it they cut my APR in HALF!!!! So I'm leaving that cc alone (except for the minimum payments) and ATTACKING my next largest APR-Amazon.com Mastercard which total is also the second smallest to flow with the SNOWBALLING Credit Card idea. (I tried getting a lower apr on all of the other cards but no dice:/)

TOTAL AMZN = 641$

Next Payment- Min. = 19$ - May 15th
Extra Pymnt- 75$ May 20th

This maybe all I can contribute this month I hit a snag last month and acquired 136$ of overdrafts :'( I know I GOT super discouraged and screamed and threw a very big fit and then I looked at how far I have come and how I can learn from this and I shook it off and used some savings to cover the snag.... a year ago I would have had to call my mom and have her bail me out but I happened to be able to bail myself out and that was a HUGE FEAT! (for me)

13$

Another small addition to the HSBC account due to an amazon sale :-D

13$- hsbc accout
660$ to go!!

167.52 down/ 32.48 to go

Another small step

10.52 was subtracted from my HSBC Account today!

TOTAL 673.00

154.52 down/ 45.48 to go for APRILS 200$ payment.

yay!

108$ off HSBC CARD :)

Another 108$ off the HSBC CREDIT CARD

another month of fee's :/

But none the less I'm taking it one step at a TIME :)

144$/56$ to go for April!!!!

14$ knocked off

14$ more to the HSBC a few dollars at a time!!! :)

772$ to go

also my networth went up a bit!!! I'm hoping to be debt free soon its kinda dragging right now...but I will not give up.

36$/164$ to go for APRIL :-D

An extra check?

50$ came suddenly into my life yesterday when I drove my aunt to the airport (in her car/her gas) and she slipped me a 50$ bill...This will go to my much neglected Emergency Fund.

Also, since I have never managed my money well in the past I've never noticed a change when I get an extra check for the month...do you guys notice it? What do you do with yours or do you just treat it like its a normal pay day?

Also 22$ will be payed towards my HSBC card tomorrow which will bring me down to 786$ total and a minimum of 178$ to pay to the card for the rest of the month.

22$ /178$ to go for APRIL

Another Pymnt Down

So another payment to my HSBC CARD for the fees and a little extra 28.18 which leaves me with $808 to go! sweet =)

I HATE FEES!

so I just got a little set back when my HSBC card slapped me with some monthly fees of 19.18$ uggghh not cool :(

Well the good thing is I'm sending out my min. payment on friday so next months per day interest will go down a tad I'M HOPING!!

Then next month I'll pay them with large extra payments by snowflaking hopefully 200$ or more ;)

Not letting this little set back keep me down!!! Each month the fees will be going down down down!

Also doing great with my workouts 10 of the 20 workouts are behind me =)

extra $

I got a little extra birthday money that isn't going to pay for my trip and sent it off straight away to my HSBC 25$ = 817$ left yaaaaaaaaaay =)

Sidebars

I got paid this last week and although not much extra is going to my HSBC CARD the percentage is going up :) My extra money is going to my mini vacation at the end of the month to WEST PALM BEACH FL!!!

Next month my HSBC will get a minimum of 200$
Can't wait to get this card paid off the interest rate is growing it seems everytime i get a new statement :/ yikes!

842$ to go HSBC

YAY!

This is up from $-15,414 from Last month!!!

This just in....

SA$ has been wiped out in its entirety (a moment of silence).......

YAAAAAAAAAAAAAAAAAAAAAAAAAAY!!

Also my Younks account and BB2 account are payed off :)
I am very proud of myself!!!
Sidebars have be updated!

Next up time to tackle my HSBC account! It has a high interest rate and I think I'm up for the challenge.

STAY TUNED!

GAS $

Just thought I'd post to let everyone know I just won $5o free gas from speedy rewards!
That will free up a good chunk to send to the credit cards YAY!!! :)

Also I have not received my refund yet but sent another 16.45 to the SA$ FOR A grand total of 250$ to go!!!!!!!!!!!!!!!!! wahoo =)

9 daily workouts so far this month and 10 will be done tonight and half way to 20 :)

oops....its been awhile

Well I'm back after a little time gone not much new to tell just waiting on my tax refund to kill some credit card debt :-D

I am also going to jump on the band wagon and add my workouts on here to hold me accountable. I am going to try in get 20 workouts a month in. An hour or more each session a minimum of 3 miles on the elliptical/treadmill or run/walking outside as it gets nicer.

Back to my PF portion:
I got paid last week and it was all allocated as minimum payments due to the fact when I get my refund the following will be paid off

BB2- 200$
Younks- 330$
SA$- 266.45$ ALMOST DONE!!!!!!!!!!!!!

Then the rest will be going to my Spring Break trip to West Palm Beach in March =)
Definitely well deserved the only way I was to let myself go is if I paid of my SA$ which is well within my reach!

4$ means something

I just paid another 4$ on my Sa$/best buy so that brings me to the following

270$ SA$

1798.64 Best Buy total!!!!

Wow who knew 4$ was so helpful?!

Side bars updated =)

Down down down....

My same as cash account is currently 274.00 =) wahoooooooooooooooo!!
Best Buy total is 1,802.64
I had no idea how exciting paying off debt can be but its great!

Have a good weekend everyone ;)

w-2's are IN!

YAY!!! BRING ON the refund and down go my credit card debt!! =)

Not much changing with my cards lately although I get paid tomorrow and the following are being paid!

Internet/Phone Bill- 35.00
SA$- 25.88
ING- 5.00
Rent- 458.00
Car- 379.00

I'm getting my taxes done Saturday so hopefully everything goes well and my money comes SOON!

shrinking SA$

14.00$ payment was just posted to my SA$ PLAN =)

DRUM ROLL PLEASE.........

total of 299.88 left to pay, WAHOOO under 300.00!!
Thanks for all the support with the no spend days. They are definitely paying off already;)

Get Rich Slowly has a great post today on how to replace bad financial habits and that we should all figure out what are triggers to spend really entail. I feel that one of my triggers is being bored and deciding to go to target or the mall. Lately I've chose to go to my apt complex fitness center its nothing extravagant but hopping on the elliptical or the tread mill and listening to my ipod is not only free but great for my heart and my love handles ;)

Very Frugal Weekend

I went home for the weekend to spend time with my family and ended up spending 0$
It wasn't a thought out plan...but when I realized it driving home yesterday I was very excited.

My plan for next weekend should be also very frugal since I will be house sitting and that money will be directly going to my SA$ account. So hopefully I will be able to have another 0$ weekend.

This is starting to look very good for me!!

SA$ Plan 313.88$ to go!!! YAY

NetworthIQ

yay!!!

Credit Cards

January Edition

Capital One 409$
BB2 200$
Younkers 338$
Amazon 656$
Hsbc 906$
Overstock 1,020$
BB1 1,843$
Total 5,373$

Its going DOWN!!!! =)

Payday!!!

With my bonus I made 1152.54$

Payments from this check include the following:

Credit Cards
BB1(SA$)- 130.00 (45.00- min. pymnt/85.00 sa$)
Younkers- 15.60
Amazon- 16.00
BB2- 44.00
Hsbc- 42.00
Overstock- 36.00
Cap1- 11.00


Other Bills
ING- 5.00
Membership- 23.00
Hair Appt.- 30.00
Insurance- 86.63
Student Loans- 100.00
Electricity- 36.00 (split)
Cable Boxes- 14.00 (w/pay per view movie also split)

These payments will be coming out the next few days!
I'm very excited that I am wittling away at this SA$ ACCOUNT =)

2009 is Here

With 2009 staring me in the face there is no choice than to stand up and make my Goals reality. Getting into the debt I have was easy; A purchase here, a trip to target there, a coffee with a friend, drinks a couple nights a week or a simple trip to the mall I thought brought me happiness.

I'm now tuning into the fact that getting things that I can't afford brought me nothing but wanting more and feeling less happy.

So this year is going to be focused on my feelings of wanting and what being satisfied in life mean to me. Both of these lie within me and my contentment is what I choose it to be. Right now I am content and am becoming energized by the snowflake game that one day will set me free from debt and the power savings game will officially begin.

Seize the day and the year and know that your contentment is within your own power.