Well, today I had to pay my rent and I also logged into my bank account to reconcile my account and made the discovery that I had $361.94. And that was after paying the rent. This is kind of unusual, as halfway between my paydays I usually get down to about $100.00. Things seem to looking up. I'm not sure what I am doing different, except that I acknowledge that if I have a surplus in my account, I am sending some to the credit card company, even if it is only $5.00. So I logged into the cc website and sent an extra $20 payment, bringing my cc balance to $1652. Wow. I think I have paid off about $300 just in the last month. Some of that was leftover travel money I set aside for going to my conference. So my checking balance is now $341.94 and my savings balance is close to $1000.00. By next payday, it will be $1000.00. Woo-hoo!
Archive for June, 2009
Well, I feel much more relaxed and at ease with my financial situation. I don't know why, but it seems like things have eased up a little bit lately. I did not get the amount of reimbursement for my work trip that I was hoping for, but I did not let that stop me from making huge progress. I had to replace my portable dishwasher (we have to have a portable because we don't own our house), which took $461.38. I took $400.00 and put it into savings, bringing my balance to $975.89. Almost $1000. Wow. I am using the rest to get some work done on my car. With all the "extra" money I had been pumping into the Conference Challenge, I am going to use to pay off the credit card and medical debt. I don't know exactly how long it will take me, but if apply the same intensity I did with the Conference Challenge, I would say 1.5 years.
Well, I went shopping today for groceries and a few other things. I also made a deposit into my savings account. I just recently got two survey checks for $5.00 and $8.80. I also had $2.00 leftover from this week's spending money. I have also been saving my spare change in a small purse. I cashed that all in and added in $100 to make a deposit of $115.80 to my savings account. Woo-hoo! I want to get my savings up to $1000 and then start slamming the debt real hard.
As you can see on the left side of the screen, I have a new profile photo. It was taken at a resort called Crest Mountain outside Asheville, N.C. I had a great time and it wasn't as expensive as what I thought it would be. I am still trying to figure out the specifics, but when I get figured out exactly how much I have left, I will immediately pay it to the credit card.
So, that's the end of the Conference Challenge and the beginning of the Debt Payoff Challenge. I am going to use survey money, coupon savings, as well as half of my work reimbursement, etc. to increase the amount I have in savings. I already have a survey check coming from Opinion Outpost and another from Lightspeed Panel. Then, I will start hitting my debt really hard.