Tuesday, September 23, 2008
Don't Take For Granted
Got Something New and Flashy, and it Rings Too
Wednesday, September 17, 2008
Still On Board
Tuesday, September 16, 2008
Say A Prayer
Sunday, September 14, 2008
Where is the Money?
Not A Dull Moment, but A Serious Consequence
Wednesday, September 10, 2008
Missing In Action
Tuesday, September 2, 2008
September Goals
- Use extra money to pay off 3-4 things off of my credit report. My husband is giving me one of his whole paychecks from his other job so I can pay down some debt. I have a few that need to go away, and fast. I'm tired of looking at it.
- Give my daughter a weekly allowance for doing her chores. Only if she does it. She is so stubborn but I am trying to teach her that if she wants something she will have to start working for it, just a little bit.
- Pull my credit report at the end of the month. Since I had to say good-bye to my dream home for now, I am curious to see what my credit report is saying. I am really ashamed that it is in the 500's.
- Dispute with a few creditors. I love to tell these collection agencies that they're in the wrong. I remember that I did this one time and had 3 things removed from my credit report.
- Go over a new budget with my husband. This is going to be a new thing for us. For years we had separate accounts because we don't trust each other with each others money. I think that's why we got into so much money trouble. We are making an effort. We combined our accounts and now are working towards a common goal.
- Save for emergency fund. I added some more stuff on my side bar to show how much I am putting away and to what. I think it's a bunch of junk on the side but it's keeping me accountable.
Those are a few things that need to be done. It seems like it all revolves around credit, but I can't help it. I NEED a better credit rating.
Finally I Got It!
Well I'm over it, I am okay with the raise and I plan to do with it as I said, put the extra money towards savings and paying off debt. I am still in the mindset and will keep pushing. I'm just glad that this doesn't have to loom over my head anymore.
Saturday, August 30, 2008
Are There Any Lenders Out There???
Friday, August 29, 2008
Hubby is Happy, but Tired
My Favorite Time of Year is Comin Near
Have you all started saving yet. Tomorrow my hubby and I plan to open up our Christmas account to get started early. I am truly excited. I can use some of the money I save and starting shopping at this website.
Wednesday, August 27, 2008
August Goals Revisited
- Get my kids savings accounts opened. I am so proud of my daughter. She saved $6.00 to put towards her 1st deposit. I promise I am going tomorrow and getting this done. Plus my husband and I are combining accounts as well.
- HAVE A YARD SALE! I have been fuming on this for a month and I hope to get this done. It will do so much for me financially because I can get rid of 2 storage bills which are ridiculous. If I think of how much I spent it would be $2000 in storage fees for 2 years. That's stupid. Still working on it, I can't stand that I haven't done one thing on this yet.
- Get my raise and put it in savings. Supposedly I will get my raise in August. I have my fingers crossed on this one. If I put my raise in savings I won't miss it because I will live on what I'm being paid right now. Good idea? On our meeting Tuesday we were told that we will be having our evaluations and know if we are getting our raise. Our raise will be on our next paycheck. Cross your fingers, this will determine whether I quit or not.
- Pay double on my car and change the due date. This is a big one because the mail system is working against me. I will mail my car payment 3 days in advance and because it gets there one day after the due date I am slapped with a 30 day late payment on my credit report. This ticked me off because I was one day late and I sent it off early but the envelope didn't get to the office by close of business. I think they never opened the stinking envelope. I am fighting this big time. DONE!!! I did something.
- Stock up on groceries. I need to have the necessities and plan meals. My kids are still eating me out of house and home but if our meals are structured I can save money, and give them a healthy meal. Half done. I stocked up on cereals (my family is big on breakfast food) I just need to fill my freezer with meats and buy a few side items.
- Quit smoking. This is my vice. I smoke when I am stressed out and when I have a cocktail. These days I've been soooooo stressed out about finances. I just did an analysis and I spend $123.60 a month on cigarettes ( if I smoke a pack a day). That's crazy, not healthy, and again stupid. Quitting sounds great and my insurance will pay for the smoking cessation prescriptions (they average $150.00 with no insurance). I got a prescription for Chantix and I put my quit date the beginning of the month.
- Be a part of Pay Per Post. I had to wait one long month to reapply for Pay Per Post. I want to be a part of the IZEA team and I have been very patient. Hopefully they approve my blog this time. I am part of Pay Per Post but I still had no opps for the whole month. I have no Google score so that prevents me from doing anything!!! I still don't get what an Alexa score is so I hope someone can help me.
So far I am doing okay. I will more goals for next month, I like making realistic goals. That way I know that something will come out of it.
What Am I Going to Cook?
Looking
Tuesday, August 26, 2008
Dreaming
Monday, August 25, 2008
ALL YOU
I have to rave about this magazine. It is so good. It is written by women who are going through everyday dealings from kids, to work, play, and relaxation. The best thing that they started to put in their magazines are a bunch of coupons. My coworker's son is having a fundraiser and a subscription for 14 months is going to cost me $12.00. I thought that was a good deal. In stands they are $1.97 which is a good deal too if you are not willing to get a subscription. Some of the women in her are mothers too, and they write tips on how-to do household cleaning, find a dress that fits you and great budget friendly recipes. I thought I would share what I read.
Little Girls Can Be EXPENSIVE!!!
When I was a little girl, my mother worked all the time. My friends were into their activities like piano lessons, dance, temple (I grew up with a lot of Japanese-Americans), or baseball. I wanted to join a team, but my mother either had no time or money (she had money, she decided to do other things with it). So I swore that when I had a daughter I would give her some of the opportunities that I wasn't lucky enough to get. I want to boraden her horizons sort of speak. When my daughter was only 4 months old I put her in pageants. She won most of the time but I saw mothers out there get psycho over the dress. They spent thousands of dollars on a dress and all my baby wore was a cute white dress. I quit putting her in pageants because I didn't want her to become a Jon Bonet Ramsey. Since that my girl has not done much of anything. She didn't want to join the soccer league at the YMCA because she frankly didn't like the sport. She did dance for a year and lost interest after her second competition. It snowed when they had softball signups last year so she didn't join that. This year she has decided to join cheerleading, and Girl Scouts. We will see about this. I hope that she will find her nitch. But she has no idea how much classes, dues, and outfits cost. I am so excited about Girl Scouts, but I am also happy that her uniform is not so expensive as I thought. She only has to buy a sash for her badges and that's $5.00. Her dues are $3.00 every other week. Don't forget the cookies I'm going to buy (I am a sucker for Girl Scout cookies). Cheerleading cost me $60.00 this year, which is okay. Her uniform is all provided and all I have to spend is gas to get her to the games. I am very proud of my little girl but I am dreading the teenage years when she's going to want new outfits, and a CAR!!! I am saving now and hopefully this weekend we can open her bank account as promised. Little girls are expensive, just think about it?
Sunday, August 24, 2008
Developing a Meal Menu
Organizing the Closet
I am really embarassed about my closet. It is a complete mess. The deal is to get this organized today and also do my other household chores like laundry. I have been putting it off for a while now. I am trying to stay motivated because I cannot believe how messy things are. My house is very disorganized because my little two year knows how to open doors, closets, anything... he also likes to climb every single thing from couches, chairs, and counters oh my. My assignment today is to somehow get this place in order. This little project of mine will allow me to see the things I use and don't use. I can start getting rid of more "stuff".
Saturday, August 23, 2008
First Time Home Buyers Seminar
Friday, August 22, 2008
I'm Glad I Know People
Thursday, August 21, 2008
Staying On a Path
- Spend $40-$70 in groceries a week. I am trying really hard to get this down weekly but my children love to eat. I have started obtaining coupons and using them on great deals. Sometimes I come up short and stray from my grocery list but I'm getting better each time. One day I hope to only spend this amount of money monthly.
- Stop buying coffee every morning. I calculated how much I spend weekly on coffee if I continued to buy it. $23 a week/$92 a month. This was hard to swallow. I brew my own and now save bunches. That's crazy to think I used to spend that much.
- Stocking up on beauty items/cleaning items. I have been to the dollar store a lot and they have some things that I use daily for such a minimal price. This saves me $40 every two months.
- Reading personal finance blogs. This is the best thing I can do. All the writers are human and have made mistakes. They too are making a difference in their situation. I think we are doing what we do for the good of our pocket books.
These are a few things, I have a few more and a ton more I need to work on. Join me in my journey and we'll have fun keeping each other accountable.
Wednesday, August 20, 2008
Loyalty
You Gotta Give In, Just A Little
Tuesday, August 19, 2008
Good Day
Payday 8/19
Monday, August 18, 2008
We Wish For Things We Can't Have
- Have a yard sale. I have till the end of the month to do this. If my hubby does not help me get the crap out of storage I am going to make him stay in storage. There is no reason I should have 2 storage units and pay out of my behind. Savings for the month $200.00 in rental fees.
- Donate plasma 1-2 times a week. They pay $40.00 for your first donation and $25.00 for consecutive visits. Earnings for the month $100.00 realistically.
- Turn off the air conditioner. This is a money sucker. I don't get hot unless I go outside. My house is pretty insulated and I am not fat, so I can't hide from the elements. Savings for the month $30.00
- Get my son potty trained. The little booger is soooo stubborn. This may take awhile but I am done with diapers, pee and poop. Yuck. Savings for the month $50.00.
- Continue to blog when things are bad. I like to let my feelings out, having them pent up for so long makes me sick.
- Implement the law of attraction. I have read The Secret twice. I want to attract money so I am allowing it to come to me TODAY!!!
Why am I so obsessed with money right now? Well my hubby took one whole week off and I did not know he was not going to get paid for the week. So now I have to play catch up all over again. It upsets me terribly that he took vacation without pay. This is one big mistake to learn from. I remember having my second child and instead of recuperating from a C-section I was back to work in 2 weeks because we would have no income at all. It sucked and now I have that sick feeling in my stomach again.
Communication is important in a relationship. Make sure that when you have a plan EVERYONE is involved.
Yeah Walgreens
Family Portraits
School Days
Saturday, August 16, 2008
Donating Plasma
Grocery Trip 8/15
Thursday, August 14, 2008
No Opps Yet
More Responsibilities, Not Enough Reward
Big Score
Wednesday, August 13, 2008
I Wanted to Add
Exhausted
Work was a big bummer today. I am a big control freak and I have to be aware of what is going on in my departments all the time. I have a coworker who is pregnant and she wants to leave us ASAP. I am trying to encourage her to hang in there. I've been pregnant before and have had gumption to try and leave and be a stay at home mom, but I couldn't. Others can do it, but I am an extremist when it comes to my work. I love my children, but I work to provide them with what they want. If I didn't work it would be disaster.
With that said, she made me think of my situation at work. I wonder if I am going anywhere with it. I am well respected and knowledgeable in what I do, but I wonder if that is enough to advance in my field. I don't know, I am confused.
Tuesday, August 12, 2008
What a Weekend!
Monday, August 11, 2008
Veterans
- Use your Montgomery GI Bill. For those of you who contributed to the GI Bill, you have a wonderful opportunity to go to school and have the GI Bill pay for you to go to school. Full-time students now receive up to $1321.00 a month as of August 1st, 2008. Another way to optimize this benefit is if you served after 9/11. The VA has given an extension to service members up to 2 more years of benefits. Every year the amounts go up. Make sure you sign up.
- VA Home Loans. For those who have fair credit, you may use your VA home loan that covers up to $450,000.00. This is great if you are looking for a home and want to use this benefit. You do not have to put money down and the rates are great.
- Going to theme parks, get a discount. It is great to know that most theme parks recognize the hard work of a service member. Disneyland and others have given free tickets to families to go to their parks. This weekend we went to go look at some caves. I asked the tour guide if they gave discounts to vets and they said YES. We saved on the price of one ticket.
Those are some things that I have utilized in my life that some veterans forget they have. I remember that when I enlisted the recruiter painted this fancy picture and you know what, you can see this picture if you go after what is due you. I believe that the men and women who serve for our country should get more for laying their life on the line for our well being. So to all of the Veterans, I commend you for a job well done.
Saturday, August 9, 2008
The House
I hope the picture turns out okay. So here it is, the house that I plan to purchase. With housing rates lowering I am getting my hot little hands into some real estate. My hubby is helping me every step of the way and we intend to move right away if everything goes well. I am so excited and even more pumped for all the people who thought that they were living paycheck to paycheck could not acheive this dream. It takes a lot of work to get to your goals. For motivation realize that you should never give up. This is the home I want to grow old in, and have my children grow up in. I will give more insight on the whole process as a first time home buyer.
Friday, August 8, 2008
Husband is getting on the Bandwagon
Babysitting Blues
Thursday, August 7, 2008
It's Never Too Early For Christmas
Work
I have been working Saturdays for the past 6 months to increase my income a little. She knows why I do, but she stepped in and asked to work my Saturday. Since this is a great opportunity for people to be trained and not all the same people are working Saturdays, my boss thought it was a good idea. I have never been so angry. I am not financially set for this. I am at a great disadvantage because I will be losing some overtime. She won't because she leaves early all the time. What can I do to not be so mad? She knows my situation and is really looking to outshine me. Am I jealous? No, but I need this job more than she does. I won't get into details but she can do without a job. Urggggghhhhhhhh!
Wednesday, August 6, 2008
Credit, the Poor Score
Good News
Right now I am not eligible for anything big as far as opportunities, but I have all the patience in the world. Does anyone have a good story as a newbie? Any tips on how to go further?
Tuesday, August 5, 2008
Happy Birthday to Me!!!
So Mad
Monday, August 4, 2008
Waiting For the Love
House Project
Researching
Sunday, August 3, 2008
Stockpiling
Great Time Last Night
Early Sunday Morning
Saturday, August 2, 2008
Exploring a New Career
Friday, August 1, 2008
Gotta Sell!!!
Thursday, July 31, 2008
August Goals
- Get my kids savings accounts opened. I am so proud of my daughter. She saved $6.00 to put towards her 1st deposit.
- HAVE A YARD SALE! I have been fuming on this for a month and I hope to get this done. It will do so much for me financially because I can get rid of 2 storage bills which are ridiculous. If I think of how much I spent it would be $2000 in storage fees for 2 years. That's stupid.
- Get my raise and put it in savings. Supposedly I will get my raise in August. I have my fingers crossed on this one. If I put my raise in savings I won't miss it because I will live on what I'm being paid right now. Good idea?
- Pay double on my car and change the due date. This is a big one because the mail system is working against me. I will mail my car payment 3 days in advance and because it gets there one day after the due date I am slapped with a 30 day late payment on my credit report. This ticked me off because I was one day late and I sent it off early but the envelope didn't get to the office by close of business. I think they never opened the stinking envelope. I am fighting this big time.
- Stock up on groceries. I need to have the necessities and plan meals. My kids are still eating me out of house and home but if our meals are structured I can save money, and give them a healthy meal.
- Quit smoking. This is my vice. I smoke when I am stressed out and when I have a cocktail. These days I've been soooooo stressed out about finances. I just did an analysis and I spend $123.60 a month on cigarettes ( if I smoke a pack a day). That's crazy, not healthy, and again stupid. Quitting sounds great and my insurance will pay for the smoking cessation prescriptions (they average $150.00 with no insurance).
- Be a part of Pay Per Post. I had to wait one long month to reapply for Pay Per Post. I want to be a part of the IZEA team and I have been very patient. Hopefully they approve my blog this time.
So those are my main priorities for the month. I wish you all a happy August.
Focus!
Wednesday, July 30, 2008
Survey Says
- Some things in life are free. But there is so much out there that is not.
- If it sounds too good to be true then it probably isn't true.
- A sucker is born every minute (ie. I was a big one for wasting my time)
Don't get me wrong, I like doing surveys that really ask me questions about an item, or service. What I don't like is marketing jargon? I don't like nonsense pop-ups, and promises of a wonderful gift card. Has anyone done this?
Tuesday, July 29, 2008
Recipes
Monday, July 28, 2008
Who I Work For
Decluttering (is that a word)?
Sunday, July 27, 2008
I Love My New Mother In Law
No Checking Account
Collection Calls
What Did I Do?
Potty Training Problems
- Diapers cost too much money! His size diaper runs about $.29 a piece.
- He pulls out all his wipes out of the box.
- He's almost 3.
He has been good about telling me he's wet or dirty. I wonder if anyone has some good tips to help move this along. I am going to invest some money on a potty chair. I bought him one that he was not so crazy about. It even scared him because it looked like a monstrosity. I think this effort will save me some money too, because diapers are so expensive. I bought him some Spider Man underwear and he responded well to wear them. I bought him some training pants and he ran like the wind. Does anyone have any suggestions? How much do you all spend on diapers? I get $1.00 coupons for diapers but $1.00 does not make a dent in the total price of a box of diapers. I tried to go on diapers.com but that too is expensive.
Saturday, July 26, 2008
Still Playing on the Computer
Gambling is Bad
I'm Griping Again
Looking for Part-Time Work
Friday, July 25, 2008
On to a Lighter Note
Raise Hooplah!
Thursday, July 24, 2008
Do You Have Growing Children?
What I'm Up To
I also signed up for eHow, writing articles on how to tie a shoe from how to bake a cake. I did not know that you can monetize your articles if they are picked through engine searches. I am a bit new to the Internet world so there are many people who are doing this. I suggest it because many of us know HOW to do something, we can now write it down.
July is winding down and I will be at a month of blogging. I am excited because I can finally apply for Pay Per Post. I hear so many great things from so many people. Does anyone have any good stories to let me know how PPP pays, makes you feel, etc.? Well those are a few things that I am putting my hot little hands in.
Wednesday, July 23, 2008
Good News
Looking for Hope
Tuesday, July 22, 2008
School!
My problem now is trying to get her new Back to School clothes. My baby girl has grown so much she needs everything ( not new, I need to think frugal ). I plan to take her to a consignment shop, and the Goodwill. Luckily she's at the age where she is not ashamed of shopping at these places.
I See the Light!
Car- $350.00/$352.10
Storage- $100.00/$100.00
Gasoline- $50.00/$50.00
Gas Bill- $65.00/
Food- $100.00/$100.52
Savings- $85.00/$85.00
I haven't paid my gas bill yet because I lost the bill. I have no idea where I misplaced it. I made a mess of the house searching for it. So far I was on target and I was able to put money away in savings. Below is a forcast of my next budget in 2 weeks. Funny thing is I get paid on my birthday, but no birthday celebration for me. Being 30 is really important to me. I am realizing that this is the start of my life and I need to get financially fit to have peace, and be happy for the sake of my family. I had plans of having a big 30th birthday bash, but why? What am I celebrating? 30 years of money mistakes? I have made many accomplishments and I am proud of what I have done. Okay enough of my sappiness here's the drumroll for next paycheck.
Rent- $600.00
Electricity- $100.00
Student Loan- $100.00
Gasoline- $50.00
Food- $50.00
I made my food budget a little lower because I have some time to talk to my hubby and have him go in with me on the food budget. If he doesn't he will have a wild, fiery, 5' 1" little missy to deal with. Wish me luck.
I Did It!
Monday, July 21, 2008
Disappointed
Friday, July 18, 2008
Looking Forward to this Weekend
Sunday is jam packed family fun. We are taking our family pictures with my husbands side of the family. He has two brothers, they're married, and we each have a boy and girl. So that makes 12 people in the picture. It usually takes us 3 hours to get everything said and done. It's nice to bond with them and the kids always love getting together. I hope the pictures don't cost that much.
Thursday, July 17, 2008
Hmmmm
I still don't know about my raise yet. I'm terribly upset about it. I'm reading Suze Oraman's book, Women and Money. She poses the question of : Why is it that women, who are so competent in all areas of their lives, cannot find the same competence when it comes to matters of money? It made me think of how much I want this raise and how much I really deserve it. I bust my butt everyday and I get a lot of recognition for it. So what am I waiting for? Should I talk to my office manager and demand a substantial increase? My answer is I don't know. The economy is fluctuating right now and I know that I can be replaced. I'm scared to ask. I'm worried that I may be asking for too much even though I deserve it. I'm so confused. I hope Suze has some advice because I sure need it.