Friday, October 30, 2009

10/29 Spending

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


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."

Thursday, October 29, 2009


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

Wednesday, October 28, 2009

Tues Spending

10/27- 2.45$

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

Tuesday, October 27, 2009

Monday Spending

10/26- 6.58$
Lunch- 6.58$

Monday, October 26, 2009


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

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

Sunday- 0$ yaaaaaaay

Friday, October 23, 2009


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 :)

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 :)

CCards 400$ month
Total 1695$ month

My NEW Plan is:
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$

Thursday, October 22, 2009

Benevolent Creator

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

October 21st Spending

October 21st- 0$
yay :-D

Wednesday, October 21, 2009

10/20 spending

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

Tuesday, October 20, 2009

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)
Pop- 1.35$ (for my sister)

Monday, October 19, 2009

weekend SPENDING UGH!!!

OUT OF CONTROL weekend of spending....

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

Sat- 121.29$
Movies-10$ (whip it)
Lunches- 11.41$ (for the week)
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

Friday, October 16, 2009

100th post

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

Thursday, October 15, 2009

October 14th

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

Networth Iq

Wednesday, October 14, 2009

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 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)

Friday, October 9, 2009

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

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 ;)

Wednesday, October 7, 2009

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

Thursday, October 1, 2009


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