tag:blogger.com,1999:blog-72862410722882253062024-03-13T07:04:55.963-04:00To Infinity and BeyondPersonal Finance and Life ChoicesUnknownnoreply@blogger.comBlogger163125tag:blogger.com,1999:blog-7286241072288225306.post-30983284647900635122011-01-10T11:26:00.000-05:002011-01-10T11:26:29.103-05:001/6-<br />
Dinner w/ a friend- 19.84<br />
Donation Monthly- 20$<br />
<br />
<br />
1/7-<br />
Parking ramp- 9.00<br />
Drinks- 15.00 <br />
Dinner for 2- 15.90<br />
Hair Done- 34.00<br />
Monthly Subscription- 39.95<br />
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<br />
1/8-<br />
gas- 13.00<br />
vitamin water- 1.50 <br />
<br />
1/10-<br />
coffee- 3.20<br />
dr. bill- 42.00<br />
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Well after all of that...I am understanding why I'm in debt! This gave me a serious wake up call!Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7286241072288225306.post-48801115261680244112011-01-05T13:17:00.001-05:002011-01-05T13:19:51.777-05:00January 3rd & 4th1/3/11-<br />
Groceries- $51.54 (gift cards so they were essentially free)<br />
Monthly Donation - $15.00 <br />
<br />
1/4/11-School book- 131.39 (i hate buying text books(amazon.com)<iframe align="left" frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="http://rcm.amazon.com/e/cm?t=toinfi-20&o=1&p=8&l=bpl&asins=0073375691&fc1=000000&IS2=1&lt1=_blank&m=amazon&lc1=0000FF&bc1=000000&bg1=FFFFFF&f=ifr" style="height: 245px; padding-right: 10px; padding-top: 5px; width: 131px;"></iframe>)Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7286241072288225306.post-27728450211988010152011-01-03T09:47:00.000-05:002011-01-03T09:47:54.270-05:00Daily Spending1/1/10<br />
A Eagle- 21.16 (free shipping and 20% off a clearance hoodie) No more clothes shopping in January!<br />
1/2/10<br />
McD's- 2.12 Lg Iced Tea and 3 cookies (roadtrip to back to my apt from my weekend festivities)Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7286241072288225306.post-2367877211025865062010-08-16T15:18:00.000-04:002010-08-16T15:18:32.454-04:00I'm back....in more ways than one!Hello everyone...<br />
<br />
Well I began my adventure to a new job, debt free, a new city and single...(ok well I am still single fortunately!) <br />
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.<br />
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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!!!<br />
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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.<br />
<br />
Bank card- 2,281.46<br />
<br />
So here we go...<br />
I'm getting out of DEBT AGAIN!Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7286241072288225306.post-55956795288845815062010-05-03T15:28:00.001-04:002010-05-03T15:31:24.038-04:00The 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.<br />
<br />
It is time to start the next chapter of my life. I'm ready.<br />
<br />
Savings time begins!Unknownnoreply@blogger.com4tag:blogger.com,1999:blog-7286241072288225306.post-66412014618950936202010-04-16T09:51:00.002-04:002010-04-16T09:58:28.059-04:00No MORE....<div class="separator" style="clear: both; text-align: center;"><a href="http://images.google.com/imgres?imgurl=http://jennroth.typepad.com/selftalksoultalk/images/2007/10/15/stress_relieved_womanjpg.jpg&imgrefurl=http://jennroth.typepad.com/selftalksoultalk/2007/08/chapter-nine.html&usg=__v-UHUwe7gjsoL0SPhZSm7BtEAZo=&h=266&w=400&sz=167&hl=en&start=11&sig2=VLHUCU4EjLaXck7tSd9OQw&um=1&itbs=1&tbnid=3OPOeqNsUtLiJM:&tbnh=82&tbnw=124&prev=/images%3Fq%3Drelieved%26um%3D1%26hl%3Den%26sa%3DG%26tbs%3Disch:1&ei=w2vIS5S7Apa8M6O6oNEI"><img border="0" height="212" src="http://jennroth.typepad.com/selftalksoultalk/images/2007/10/15/stress_relieved_womanjpg.jpg" width="320" /></a></div><br />
<br />
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 :)<br />
<br />
I'm done living on Credit and I'm onto bigger things such as my car loan...haha<br />
<br />
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.<br />
<br />
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.<br />
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Have a great weekend.Unknownnoreply@blogger.com5tag:blogger.com,1999:blog-7286241072288225306.post-25688698269569063832010-04-08T09:29:00.004-04:002010-04-08T09:50:12.574-04:00Difficulty= Opportunities<div style="text-align: center; font-style: italic;">In the middle of every difficulty lies opportunity.<br />~Einstein~<br /></div><br /><br />another 10$ go to hsbc<br /><br />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....<br /><br />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.<br /><br />I owe 13,283.00<br />Min Payment= 285$<br /><br />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 $1,000 in the bank. So I'm trying to decide if I should just save as much as I can in case I move.<br /><br />I'm also considering just getting a part time job that will pay my bills so I can finish school already. I wouldn't have insurance which would be a huge problem and I wouldn't be able to pay off debt but at least I would finish my degree quicker. But seriously I don't even know what I want to do. I don't really enjoy the 9-5 workday ....but I sure do love my nights and weekends off and maybe if I wasn't in school the other hours that I'm not working everyday it wouldn't be so terrible.<br /><br />Either way I've got some amazing opportunities coming up and I can't wait to see where they lead me :)Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7286241072288225306.post-71266007025901955502010-04-06T10:58:00.001-04:002010-04-06T11:01:02.211-04:00few more updates3/30- 60$ from my savings<br />4/2- 18$ snowflaked<br />4/7- 10$ extra<br />4/7- 125$ ing savings<br /><br />Leaves me with 245$ I can probably take care of this with my paycheck i'll be getting on 4/15Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7286241072288225306.post-34123461682768001792010-04-01T14:13:00.002-04:002010-04-01T14:15:49.144-04:00March NetworthIQ<script language="javascript" type="text/javascript" src="http://www.networthiq.com/api/badge.ashx?u=Mkg44&h=150&w=160&c=66CC33"></script><br /><br />i know its on my side bars but i'm proud what can i say. -1773$ eeeeek!!!Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7286241072288225306.post-3755108593925087612010-03-30T09:15:00.001-04:002010-03-30T09:17:11.531-04:00Chippin awayAnother 22$ to Hsbc leaves me with<br /><br />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.<br /><br />I'm getting close.Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-7286241072288225306.post-12624434535944657822010-03-25T10:35:00.001-04:002010-03-25T10:37:47.002-04:00guess what I'M A Mysurvey Affiliate :) yayso sign up NOW :)<br /><br /><a href="https://www.mysurvey.com/index.cfm?action=Main.join&r=6953183"> <img src="https://www.mysurvey.com/view/images/1/LOGO_MYSURVEY.GIF" height="80" width="200 border=" alt="Banner Ad" /> </a>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7286241072288225306.post-27512549638884104652010-03-24T18:15:00.002-04:002010-03-24T18:18:39.570-04:0020$ to hsbc :)3/23= 10$<br /><br />3/25= 10$<br /><br />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 :)<br /><br />What do you all think?? Good idea...figuring I do not run into any obstacles in the next few weeks this should work.Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-7286241072288225306.post-28546290819292642802010-03-19T10:20:00.003-04:002010-03-19T10:24:55.470-04:00GREAT news!!!<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://mysuperchargedlife.com/blog/wp-content/uploads/2009/12/excitement-lg.jpg"><img style="margin: 0pt 0pt 10px 10px; float: right; cursor: pointer; width: 448px; height: 300px;" src="http://mysuperchargedlife.com/blog/wp-content/uploads/2009/12/excitement-lg.jpg" alt="" border="0" /></a><br />So I got a rather large check in the mail yesterday from something I completely forgot about until now!!! :)<br /><br />So CELEBRATE Time!!!!!!<br />2 pymnts on their way to HSBC<br /><br />790$ -10$ pymnt1<br />780$ -280$ EXTRA surprise money<br /><br /><br />500$ left.....................EEEK! I'm almost Credit Card Debt FREE.<br /><br />{picture credit http://mysuperchargedlife.com/blog/}Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-7286241072288225306.post-17783392978197074752010-03-18T11:32:00.003-04:002010-03-18T11:38:43.266-04:00Up and coming<span style="color: rgb(51, 204, 255);">So here is the Updated from </span><a style="color: rgb(51, 204, 255);" href="http://esperanza173.blogspot.com/2008/12/i-am-24-year-old-woman-working-full.html">12/9/08 </a><span style="color: rgb(51, 204, 255);">Ugly Truth:</span><br /><span style="color: rgb(51, 204, 255);">Car-13,000</span><br /><span style="color: rgb(51, 204, 255);">Student Loans- 7,000</span><br /><br /><span style="color: rgb(51, 204, 255);">Credit Cards</span><br /><span style="color: rgb(51, 204, 255);">HSBC- 780</span><br /><span style="color: rgb(51, 204, 255);"></span><br /><br /><span style="font-weight: bold; color: rgb(51, 204, 255);"></span><span style="color: rgb(51, 204, 255);">UPDATED Monthly Expenses include the Following:</span><br /><br /><span style="color: rgb(51, 204, 255);">Rent 458$ (Includes Cable)</span><br /><span style="color: rgb(51, 204, 255);">Car 285$ (refinanced for lower apr lower payment still making 380$ when i can)</span><br /><span style="color: rgb(51, 204, 255);">Food 130$</span><br /><span style="color: rgb(51, 204, 255);">Gas 130$</span><br /><span style="color: rgb(51, 204, 255);">Student Loan 25$</span><br /><span style="color: rgb(51, 204, 255);">Car Insurance 83$</span><br /><span style="color: rgb(51, 204, 255);">Electric 20$ (split with roommate)</span><br /><span style="color: rgb(51, 204, 255);">Internet 10$ (split with roommate)</span><br /><span style="color: rgb(51, 204, 255);">Verizon 60$ (my own Plan)</span><br /><span style="color: rgb(51, 204, 255);">Charity 60$ (ON my way up from 10$ a month :)</span><br /><br /><br /><span style="font-weight: bold; color: rgb(51, 204, 255);"> 1261$</span><br /><span style="color: rgb(51, 204, 255);">CCards 400$ month</span><br /><span style="color: rgb(51, 204, 255);">Total 1661$ month</span><br /><br /><br /><br /><span style="color: rgb(51, 204, 255);">My </span><span style="color: rgb(51, 204, 255); font-weight: bold;">NEW</span><span style="color: rgb(51, 204, 255);"> Plan is:</span><br /><span style="color: rgb(51, 204, 255);">Take out the HSBC card </span><span style="color: rgb(51, 204, 255); font-weight: bold;"><br />By May 2010</span><br /><span style="color: rgb(51, 204, 255);">Then Finish My Car:)</span><br /><span style="color: rgb(51, 204, 255);">Student Loans</span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7286241072288225306.post-3521920805131157142010-03-18T09:45:00.002-04:002010-03-18T09:48:55.157-04:00Hsbc...going...going...feesOkay Fee time for the ONE card I have left to pay :)<br />14.14$ was the fee total and 23$ was my min payment<br /><br />3/17: 23.14$ = 790$<br />3/19: 10$ = 780$<br /><br />I'm going to try and pay 100$ a week and see If I can pay this off!!Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7286241072288225306.post-28692469644150204712010-03-12T09:23:00.002-05:002010-03-12T09:26:31.027-05:00I got the JobSo 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.<br /><br />So I'll keep you posted.<br /><br />10$ payment to Hsbc= 820$ left on the card.Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-7286241072288225306.post-27714611471619744192010-03-08T12:06:00.002-05:002010-03-08T12:11:49.903-05:00CC Debt = 3 digitsI am officially in the 830$ left standing on my Hsbc Credit card<br /><br />....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?Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-7286241072288225306.post-82946502094679082712010-02-18T14:55:00.002-05:002010-02-18T14:57:54.588-05:00Next stop....My plan is as following:<br /><br />2/18- 1251.09<br />2/19- 21.09<br />total -1230$<br /><br />3/5- 400$<br /><br />Total- 830$ OMG i'm so excited!!!!!Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7286241072288225306.post-69566229725148917712010-02-16T09:38:00.002-05:002010-02-16T09:41:14.199-05:00hsbc update1388$ 2/11<br /><br />Payments<br />19$ 2/13<br />105$ 2/14<br /><br />Total 1264$<br /><br />Fee's 21.09$ 2/15<br /><br />Min payment: 34$ 2/17<br /><br />Final total 2/17: 1251.09$Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-7286241072288225306.post-49478177360669551852010-02-10T15:56:00.000-05:002010-02-10T15:57:25.899-05:00Networth Up Up and Away<script language="javascript" type="text/javascript" src="http://www.networthiq.com/api/badge.ashx?u=Mkg44&h=150&w=160&c=FF3399"></script><br /><br />to infinity and beyond ;)Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-7286241072288225306.post-1987425210045001772010-02-09T09:33:00.001-05:002010-02-09T09:34:52.617-05:00hsbc cardnew payments to my final credit card:<div>1440$</div><div><br /></div><div>41$ payment 2/8</div><div><br /></div><div>11$ payment 2/10</div><div><br /></div><div>1388$ to go</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7286241072288225306.post-32684895476995188182010-02-05T09:51:00.007-05:002010-02-10T15:47:59.443-05:00Updating again....mostly for ME!So here is the <span style="color: rgb(255, 0, 0);">Updated</span> from <a href="http://esperanza173.blogspot.com/2008/12/i-am-24-year-old-woman-working-full.html">12/9/08 </a>Ugly Truth:<br />Car- $16,800 ish<span style="color: rgb(255, 0, 0);"> 14,000</span> Now 13,200<br />Student Loans- $7,500 <span style="color: rgb(255, 0, 0);">$7180 </span>Same they are being deferred(I'm in school again) so I'm just paying interest.<br /><br /><span style="color: rgb(51, 51, 255);">Credit Cards</span><br /><span style="color: rgb(51, 51, 255);"></span><span style="color: rgb(51, 51, 153);">Younkers 358.00-DONE</span><br /><span style="color: rgb(51, 51, 153);">Same As Cash Plan 800.00 due by June 9th, 2009 (This is my focus)-DONE</span><br /><span style="color: rgb(51, 51, 153);">Overstock (Chase) 1,058.00- DONE</span><br /><span style="color: rgb(51, 51, 153);">Amazon(Chase) 679.00-DONE</span><br /><span style="color: rgb(51, 51, 153);">Best Buy(Mastercard) 241.00-DONE</span><br /><span style="color: rgb(51, 51, 153);">Capital1 NOW 448$</span><br /><span style="color: rgb(51, 51, 153);">Best Buy(Store Card) 2,225.00- NOW 1412$</span><br /><span style="color: rgb(51, 51, 153);"></span><br /><span style="color: rgb(51, 51, 255);"><br />HSBC NOW 1,440</span><br /><span style="color: rgb(51, 51, 255);"></span><br /><br /><span style="font-weight: bold;"><span style="color: rgb(51, 51, 255);">Total 5,953.00- </span><span style="color: rgb(255, 0, 0);"><span style="color: rgb(51, 51, 255);"><span style="color: rgb(255, 0, 0);">Now 2,978$</span>- <span style="color: rgb(204, 51, 204);">Today 1440$</span></span><br /><br /></span></span><br /><span style="font-weight: bold;"></span><span style="font-weight: bold;"></span><span style="color: rgb(204, 51, 204);">UPDATED </span>Monthly Expenses include the Following:<br /><br />Rent 458$ (Includes Cable)<br />Car 285$ (refinanced for lower apr lower payment still making 380$ when i can)<br />Food 130$<br />Gas 130$<br />Student Loan 50$<br />Car Insurance 83$<br />Electric 20$ (split with roommate)<br />Internet 10$ (split with roommate)<br />Verizon 60$ (my own Plan)<br />Charity 60$ (ON my way up from 10$ a month :)<br />Gym Membership 50$<br /><br /><span style="font-weight: bold;"> 1336$</span><br />CCards 400$ month<br />Total 1739$ month<br /><br /><br /><br />My <span style="color: rgb(255, 0, 0); font-weight: bold;">NEW</span> Plan is:<br /><span style="color: rgb(204, 102, 204);"></span><span style="color: rgb(51, 51, 153);">OVERSTOCK OUT!</span><br /><span style="color: rgb(51, 51, 153);">Best Buy Card</span><br /><span style="color: rgb(51, 51, 153);">Then Cap1</span><br />Take out the HSBC card <span style="color: rgb(255, 0, 0); font-weight: bold;"><br />By JUNE 2010</span><br />Then Finish My Car:)Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7286241072288225306.post-27061068884914140082010-02-05T09:29:00.002-05:002010-02-05T09:32:13.329-05:00and then there was one...I made my final cap1 payment :)<br />It will go through either today or tomorrow but I used my tax refund.<br /><br />I'm so happy!!!<br /><br />My CC debt:<br />Hsbc- 1440$<br /><br /><br />yep....just one card left.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7286241072288225306.post-92138349416238297782010-02-04T11:10:00.003-05:002010-02-05T09:29:35.101-05:00Cap1is gettin the AXE!Is on its way out....chipping away little by little<br /><br />Cap1- 2/5<br />payment 120$ = 980$ left<br /><br />980$ Cap1<br />1449$ hsbc<br /><br />2420$ total Credit Card Debt Left!Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-7286241072288225306.post-37581151373310536102010-02-03T14:18:00.002-05:002010-02-03T14:20:38.463-05:00Heavy Snowflakin'Some updates<br /><br />Cap1 payments<br />30.00 1/30 = 1,240$<br />50.00 2/2 = 1,190$<br />90.00 2/4 = 1,100$<br /><br />YAY :DUnknownnoreply@blogger.com0