I'm back....in more ways than one!

Hello everyone...

Well I began my adventure to a new job, debt free, a new city and single...(ok well I am still single fortunately!)
As far as the others go, not so much.  I'm back at my old job, the "new" one didn't work.  Then didn't expose the whole truth in the interview or the job description and it ended up being terrible fit for me.  So about three weeks in I began looking for something else in the new city, I came up lead-less and completely stressed out and terrified that I would have to stay in the new job until something else came up.  When I mentioned to my old supervisor (when asked) that I was lied to by my new company.  She swooped in and offered me a different position in my old company my old city.  And blessed as I was feeling I took it in a heartbeat.  I was relieved and I actually like my new position a lot.  I do in many ways feel like I failed, but at the same time I realized how valuable my old job saw me.  That makes me feel a lot better about the whole situation.

Onto the next issue...between me quitting my old job and starting the new (old) one, trying to fill a void by mindlessly spending, and my lease on my apt ending and my old roommate moving in with her boyfriend...I've racked my debt back up!  I'm not proud of it.  But I will now be paying almost double for a one bedroom apartment and I need to (AGAIN) put a stop to using these cards NOW!!!

I do feel like I've learned a ton by starting my blog and reading many wonderfully inspirational blogs out there.  So I know I can knock this debt out quick!  So here we go...and please be kind I know its ridiculous that I could fall this hard this fast.

Bank card- 2,281.46

So here we go...
I'm getting out of DEBT AGAIN!

The move is on....

Its saving time here in ESPERANZA world!! I'm moving away from the place I've been living for the past 6 years. I'm moving home closer to my parents and sisters and all of my extended family.  I'm excited I'm ready for this change.  But at the same time I'm terrified of leaving my comfort zone.  I've actually even been in the same apartment for 4 years in July. So its not just the town I'm attached to.  Then there is the boy I've been dating on an off for the past 3+ years.  I know moving is the right choice but it doesn't seem to make it any easier.  I've actually been very emotional since I've gotten the offer.  I accepted it and I'm going to start packing.

It is time to start the next chapter of my life.  I'm ready.

Savings time begins!

No MORE....

The credit card fee's have finally left my budget! It has taken me a year and 3 months to achieve.  But I figure If i would still be paying the minimums on all of my cards I would still have a good 12 years to go even if I never charged another dime...thats makes me feel better :)

I'm done living on Credit and I'm onto bigger things such as my car loan...haha

Still I'm absolutely ELATED that I can live on my income and no longer rely on these.  Even though i don't have many readers I honestly feel that the ones I do have, are part of the reason these are out of my life. Thanks everyone.

I think I'm going to take next month to catch my emergency fund back up to 1000$ and then in June Start killing my car loan.  I'm not sure whats in store for me as of yet for moving so I'm going to try and save as much as I can to have a small cushion for possible moving expenses.  My dad has a trailer so I won't have to spend anything for that besides gas.  Then I might stay at home until my lease is up so I won't have to drive as far.  This is all tentative to receiving my offer from my new employer.

Have a great weekend.

Difficulty= Opportunities

In the middle of every difficulty lies opportunity.
~Einstein~

another 10$ go to hsbc

and now 235$ is the balance :) So next month I will start throwing money at my car loan which honestly is going to be much more tough than credit cards....

but then I was thinking as soon as I pay that off I can't charge more onto it. So maybe it will go quicker than I expect it too.

I owe 13,283.00
Min Payment= 285$

My take home pay has went down because I'm now on my employers insurance and our commission has been less mostly due to the economy. I have that job offer which I'm undecided on because I'm going to have to move and only have a small $1,000 in the bank. So I'm trying to decide if I should just save as much as I can in case I move.

I'm also considering just getting a part time job that will pay my bills so I can finish school already. I wouldn't have insurance which would be a huge problem and I wouldn't be able to pay off debt but at least I would finish my degree quicker. But seriously I don't even know what I want to do. I don't really enjoy the 9-5 workday ....but I sure do love my nights and weekends off and maybe if I wasn't in school the other hours that I'm not working everyday it wouldn't be so terrible.

Either way I've got some amazing opportunities coming up and I can't wait to see where they lead me :)

few more updates

3/30- 60$ from my savings
4/2- 18$ snowflaked
4/7- 10$ extra
4/7- 125$ ing savings

Leaves me with 245$ I can probably take care of this with my paycheck i'll be getting on 4/15

March NetworthIQ

i know its on my side bars but i'm proud what can i say. -1773$ eeeeek!!!

Chippin away

Another 22$ to Hsbc leaves me with

458$ to go :) I get paid tomorrow but its pretty much spoken for so I might send a few $ between now and 2 weeks we shall see.

I'm getting close.

guess what I'M A Mysurvey Affiliate :) yay

so sign up NOW :)

20$ to hsbc :)

3/23= 10$

3/25= 10$

Total 480$ to go :) I'm planning on paying the rest by next month and whatever is left over I will use my emergency fund to cover and then pay my emergency fund back with my check the following week. So then there will be no more fee's to pay on Credit Cards EVER again :)

What do you all think?? Good idea...figuring I do not run into any obstacles in the next few weeks this should work.

GREAT news!!!

So I got a rather large check in the mail yesterday from something I completely forgot about until now!!! :)

So CELEBRATE Time!!!!!!
2 pymnts on their way to HSBC

790$ -10$ pymnt1
780$ -280$ EXTRA surprise money


500$ left.....................EEEK! I'm almost Credit Card Debt FREE.

{picture credit http://mysuperchargedlife.com/blog/}

Up and coming

So here is the Updated from 12/9/08 Ugly Truth:
Car-13,000
Student Loans- 7,000

Credit Cards
HSBC- 780


UPDATED Monthly Expenses include the Following:

Rent 458$ (Includes Cable)
Car 285$ (refinanced for lower apr lower payment still making 380$ when i can)
Food 130$
Gas 130$
Student Loan 25$
Car Insurance 83$
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 :)


1261$
CCards 400$ month
Total 1661$ month



My NEW Plan is:
Take out the HSBC card
By May 2010
Then Finish My Car:)
Student Loans

Hsbc...going...going...fees

Okay Fee time for the ONE card I have left to pay :)
14.14$ was the fee total and 23$ was my min payment

3/17: 23.14$ = 790$
3/19: 10$ = 780$

I'm going to try and pay 100$ a week and see If I can pay this off!!

I got the Job

So the interview went great the pay is very similar to what I'm getting now the benefits are better I will get vision insurance :D and last but not least I'll be in the location I want to be in. The problem they want me to start in April. I'm taking a class that last until May and they are currently trying to figure out what my options are.

So I'll keep you posted.

10$ payment to Hsbc= 820$ left on the card.

CC Debt = 3 digits

I am officially in the 830$ left standing on my Hsbc Credit card

....and may possibly be moving shortly. I have a 2nd interview on Thursday morning it would not be an expensive move but I have a few things that I would need to deal with that being my lease is not up until July and I am taking a class that doesn't end until May. Anyway I would like this credit card to be completely gone before I make any drastic decisions..but sometimes you just have to go with the flow...right?

Next stop....

My plan is as following:

2/18- 1251.09
2/19- 21.09
total -1230$

3/5- 400$

Total- 830$ OMG i'm so excited!!!!!

hsbc update

1388$ 2/11

Payments
19$ 2/13
105$ 2/14

Total 1264$

Fee's 21.09$ 2/15

Min payment: 34$ 2/17

Final total 2/17: 1251.09$

Networth Up Up and Away

to infinity and beyond ;)

hsbc card

new payments to my final credit card:

1440$

41$ payment 2/8

11$ payment 2/10

1388$ to go

Updating again....mostly for ME!

So here is the Updated from 12/9/08 Ugly Truth:
Car- $16,800 ish 14,000 Now 13,200
Student Loans- $7,500 $7180 Same they are being deferred(I'm in school again) so I'm just paying 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
Capital1 NOW 448$
Best Buy(Store Card) 2,225.00- NOW 1412$


HSBC NOW 1,440


Total 5,953.00- Now 2,978$- Today 1440$


UPDATED Monthly Expenses include the Following:

Rent 458$ (Includes Cable)
Car 285$ (refinanced for lower apr lower payment still making 380$ when i can)
Food 130$
Gas 130$
Student Loan 50$
Car Insurance 83$
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 :)
Gym Membership 50$

1336$
CCards 400$ month
Total 1739$ month



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

and then there was one...

I made my final cap1 payment :)
It will go through either today or tomorrow but I used my tax refund.

I'm so happy!!!

My CC debt:
Hsbc- 1440$


yep....just one card left.

Cap1is gettin the AXE!

Is on its way out....chipping away little by little

Cap1- 2/5
payment 120$ = 980$ left

980$ Cap1
1449$ hsbc

2420$ total Credit Card Debt Left!

Heavy Snowflakin'

Some updates

Cap1 payments
30.00 1/30 = 1,240$
50.00 2/2 = 1,190$
90.00 2/4 = 1,100$

YAY :D

No Pop

So before the new year came I quit drinking pop not really thinking about it actually it was the tuesday before new years so like 2 days :D HEHE anywho its a month later and still no pop :) so anyways I'm going to guess that I spent about 20$ a month and now am throwing that 20$ at my debt each month. I'm also adding a sidebar under my monthly workouts.

Also I used my Car Registration Fund yesterday by paying online to get my tags sent out. I was anticipating it to be around 88$ and it was actually only 72$ So my montly contribution to that is going to be less and It already has 16$ that was left over. Super Excited!

Taxes are done and refund is in the works :)

little payment :)

26$- CapitalOne= 1284$
Tomorrow another
14$-CapitalOne=1270$

Hopefully I can destroy this w/ my tax refund :D

changes

So i'VE paid of my first part of the Cap1 but since i had transferred that Best Buy card to my Cap1 card it kind of doesn't feel like i paid off the card but i did so whatever if its confusing hehe
Also fully funded my Emergency fund with some christmas money i have finally allocated correctly. Phew Feels very nice to finally have a fully funded account after so long. Also I will have enough to pay for my License and Registration when it comes due in February and that will feel amazing i know :)

$2,765= 1,310 (Best Buy/Cap1) + 1,455 (Hsbc)

and a fully funded EF AHHHHHHHH!!!! = CLOUD 9 or 9 and 3/4 ;) and harry potter fans out there? ha!

well

even though i transferred the best buy card to the lower apr cap1 card i still got slapped with 23.37$ of finance charges boo!!! :( and my paycheck tomorrow is going to be significantly smaller because of the insurance stuff....ohh the fun of adulthood. I've been in such a funk lately...i shouldn't say lately more like the last 3 days actually. My love life is confusing i'm not sure I know what I want and I'm getting that "i never imagined i'd still be here by 25" feeling....
anywho the cards will be standing still for the remainder of the month until i figure out what my paycheck will be.

Stay Tuned I'll get there :)