To Infinity and Beyond

2011-01-10T11:26:00.000-05:00

1/6-
Dinner w/ a friend- 19.84
Donation Monthly- 20$

1/7-
Parking ramp- 9.00
Drinks- 15.00
Dinner for 2- 15.90
Hair Done- 34.00
Monthly Subscription- 39.95

1/8-
gas- 13.00
vitamin water- 1.50

1/10-
coffee- 3.20
dr. bill- 42.00

Well after all of that...I am understanding why I'm in debt! This gave me a serious wake up call!

January 3rd & 4th

2011-01-05T13:17:00.001-05:00

1/3/11-
Groceries- $51.54 (gift cards so they were essentially free)
Monthly Donation - $15.00

1/4/11-School book- 131.39 (i hate buying text books(amazon.com))

Daily Spending

2011-01-03T09:47:00.000-05:00

1/1/10
A Eagle- 21.16 (free shipping and 20% off a clearance hoodie) No more clothes shopping in January!
1/2/10
McD's- 2.12 Lg Iced Tea and 3 cookies (roadtrip to back to my apt from my weekend festivities)

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

2010-08-16T15:18:00.000-04:00

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....

2010-05-03T15:28:00.001-04:00

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....

2010-04-16T09:51:00.002-04:00

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

2010-04-08T09:29:00.004-04:00

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

2010-04-06T10:58:00.001-04:00

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

2010-04-01T14:13:00.002-04:00

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

Chippin away

2010-03-30T09:15:00.001-04:00

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

2010-03-25T10:35:00.001-04:00

so sign up NOW :)

20$ to hsbc :)

2010-03-24T18:15:00.002-04:00

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!!!

2010-03-19T10:20:00.003-04:00

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

2010-03-18T11:32:00.003-04:00

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

2010-03-18T09:45:00.002-04:00

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

2010-03-12T09:23:00.002-05:00

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

2010-03-08T12:06:00.002-05:00

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....

2010-02-18T14:55:00.002-05:00

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

2010-02-16T09:38:00.002-05:00

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

2010-02-10T15:56:00.000-05:00

to infinity and beyond ;)

hsbc card

2010-02-09T09:33:00.001-05:00

new payments to my final credit card:

1440$

41$ payment 2/8

11$ payment 2/10

1388$ to go

Updating again....mostly for ME!

2010-02-05T09:51:00.007-05:00

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...

2010-02-05T09:29:00.002-05:00

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!

2010-02-04T11:10:00.003-05:00

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'

2010-02-03T14:18:00.002-05:00

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

2010-01-29T11:03:00.003-05:00

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 :)

2010-01-28T12:48:00.001-05:00

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

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

changes

2010-01-08T12:34:00.002-05:00

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

2010-01-05T12:04:00.002-05:00

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 :)

dec 2008-dec 2009 Networth

2009-12-31T11:27:00.003-05:00

Starting with a whopping -$16,411

=) I'm proud.

14$ less

2009-12-30T13:51:00.002-05:00

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

2009-12-29T16:11:00.002-05:00

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 :)

2009-12-23T18:26:00.003-05:00

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

2009-12-18T11:57:00.004-05:00

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 :)

2009-12-17T12:06:00.002-05:00

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

2009-12-03T09:44:00.002-05:00

Monday- 25.18$
Groceries-25.18$

Tuesday- 6.11$
lunch-6.11$

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

Mon & Tues

2009-11-25T10:36:00.001-05:00

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

Tues- 2.19$
snack- 2.19$

Thursday- Sunday =84.65$

2009-11-23T15:01:00.003-05:00

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

2009-11-19T11:55:00.002-05:00

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

Tuesday 11/17

2009-11-18T14:21:00.001-05:00

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

11/16

2009-11-17T16:27:00.000-05:00

Monday Spending- 6.37
Lunch 6.37

Weekend

2009-11-15T20:05:00.004-05:00

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

2009-11-13T09:12:00.002-05:00

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

2009-11-11T15:47:00.001-05:00

Tuesday- 3.45
Pumpkin Spc. Latte- 3.45

Weekend + Monday

2009-11-10T10:40:00.002-05:00

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

2009-11-06T09:45:00.000-05:00

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

11/4

2009-11-05T09:55:00.000-05:00

Wednesday-6.11$
Lunch-6.11$

11/3

2009-11-03T09:40:00.002-05:00

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

11/2

2009-11-03T09:39:00.002-05:00

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

Weekend

2009-11-03T09:32:00.002-05:00

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

2009-10-30T13:31:00.002-04:00

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

Lovely

2009-10-30T13:12:00.004-04:00

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

2009-10-29T10:09:00.001-04:00

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

Tues Spending

2009-10-28T12:33:00.002-04:00

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

2009-10-27T10:27:00.000-04:00

10/26- 6.58$
Lunch- 6.58$

Another Weekend....wow

2009-10-26T17:26:00.003-04:00

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

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

Sunday- 0$ yaaaaaaay

UPDATES!!!

2009-10-23T14:59:00.003-04:00

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

2009-10-23T14:50:00.002-04:00

Thursday 10/22- 9.22$
Dinner-9.22$

Benevolent Creator

2009-10-22T13:36:00.002-04:00

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

October 21st Spending

2009-10-22T12:52:00.000-04:00

October 21st- 0$
yay :-D

10/20 spending

2009-10-21T14:56:00.003-04:00

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

2009-10-20T10:03:00.005-04:00

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!!!

2009-10-19T13:20:00.003-04:00

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

2009-10-16T11:25:00.001-04:00

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

October 14th

2009-10-15T15:56:00.002-04:00

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

Networth Iq

2009-10-15T15:31:00.000-04:00

10/14 spending

2009-10-14T19:14:00.002-04:00

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

2009-10-09T11:00:00.003-04:00

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

2009-10-07T17:41:00.003-04:00

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.......

2009-10-01T11:27:00.004-04:00

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$

2009-09-30T12:33:00.000-04:00

NSD.....YAY

9/10 Total

NSD DAYYYYYYYY!!!

2009-09-29T09:57:00.002-04:00

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

2009-09-28T11:37:00.002-04:00

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

2009-09-28T11:36:00.002-04:00

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

Just ten.....

2009-09-23T16:46:00.003-04:00

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

2009-09-23T14:14:00.001-04:00

NO SPEND DAY!! :)

7/18 EEEK!!!

9/22 spending

2009-09-22T10:38:00.003-04:00

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

2009-09-21T13:24:00.002-04:00

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

2009-09-18T11:05:00.002-04:00

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

9/16

2009-09-17T14:19:00.001-04:00

6.32$ total
Subway- 6.32$

9.15.09

2009-09-16T12:27:00.001-04:00

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

9/14 so close on a NSD

2009-09-15T09:38:00.001-04:00

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!!

2009-09-14T15:42:00.002-04:00

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

2009-09-11T09:09:00.000-04:00

NO SPEND DAY-5/10
HOOOORAY :)

9-9-09 spending

2009-09-10T09:32:00.001-04:00

Total- 11.63
Lunch 6.64
Dinner 4.99

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

Tuesday Sept. 8th

2009-09-09T15:38:00.000-04:00

Tuesday Spending- 8.03$
Dinner-8.03$

Long Weekend- Short Spending

2009-09-08T12:46:00.003-04:00

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

2009-09-04T09:22:00.001-04:00

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

Wed Sept 2nd

2009-09-03T15:26:00.002-04:00

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

1 of 10 no spend days completed.

No Spend Day 1

2009-09-02T16:23:00.000-04:00

Sept.1st 2009-0$

Thats all :)

Monday Spending

2009-09-01T09:47:00.002-04:00

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

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

28th,29th,30th

2009-08-31T14:43:00.003-04:00

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

2009-08-28T10:02:00.003-04:00

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

2009-08-27T11:00:00.002-04:00

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

2009-08-26T13:29:00.001-04:00

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

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

Monday 8/24

2009-08-25T09:52:00.002-04:00

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

2009-08-24T12:33:00.002-04:00

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

2009-08-21T16:20:00.002-04:00

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

2009-08-20T09:36:00.008-04:00

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

2009-08-20T09:19:00.001-04:00

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