Posts
3 years ago
Tuesday, May 12, 2009
Thursday, May 7, 2009
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)
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)
Sunday, April 26, 2009
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
13$- hsbc accout
660$ to go!!
167.52 down/ 32.48 to go
Wednesday, April 22, 2009
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!
TOTAL 673.00
154.52 down/ 45.48 to go for APRILS 200$ payment.
yay!
Monday, April 20, 2009
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!!!!
another month of fee's :/
But none the less I'm taking it one step at a TIME :)
144$/56$ to go for April!!!!
Friday, April 10, 2009
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
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
Thursday, April 2, 2009
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
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
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