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2nd 2017 Payday and My Challenge

January 27th, 2017 at 02:17 am

I am not doing the Uber challenge, but I am doing a challenge to pay off cc #1 THIS YEAR! Yes, this is the year I go debt free of cc #1.

Tomorrow, I get paid again. I have already allocated for the mortgage, cc #1 payment, paid the water/sewer bill, and made a deposit to savings. I still have to buy gas for the car, groceries, some replacement kitchen items, and health supplements.

$3.00 to cc #1 from pinecone check
$79.00 to cc #1 from my pay
$119.00 deposit to savings ($30 to car, $30 to house, $30 to professional, and $29 to medical)

I indicated in my last blog that I removed my husband from my health insurance because the rate went up so high. He is a vet, so he does have access to care, but we won't have health insurance on him anymore. I am saving $29.00 per payday to the medical savings to allow for any significant medical expenses (not co-pays).

I found $.03 on the ground this week. I will use that at the store on Saturday and make a payment equal to the store savings and cash to cc #1. See you later.

2017 Goals

December 31st, 2016 at 01:19 am

1) Pay off cc #1 by 12/31/2017. To do this, make at least $225.10 in payments monthly ($79.00 per payday from my paychecks and $67.10 from my husband).

I made some significant changes in my health insurance enrollment at work because health insurance premiums for myself and my husband went from $111.00 to $163.00 per payday and my dental went from $0.00 to $6.00 per payday. So, my husband asked me to take him off of my health insurance. This will result in about $80.00 less being taken from my pay each payday. My plan for this "extra" $80.00 is to send $40.00 to cc #1 and put $40.00 in medical savings for any out of pocket potential medical expenses.

2) Continuing contributing to savings as normal.

3) Contribute any survey money, rebates, coupon savings, and credit card rewards to cc #1 payoff.

4) Grow as much of my own food as I can. Buy as much other food from organic local sources. This will help me to eat as clean as I can.

5) I will continue to use a refill fountain cup as a way to challenge myself to spend as little as possible on beverages. I will funnel my savings to cc #1.

6) I will continue to use my pocket change as a way to pay part of my grocery store bill.

52 Week Challenge Progress

July 20th, 2016 at 01:17 am

Hi, everyone. I have been doing really well with unplanned spending and also using cash for purchases like iced tea at the convenience store. Because I am doing so well, I am sending an extra $5.00 to cc #1.

Old 52 Week Challenge Balance: $2818.93

$5.00 extra payment to cc #1

New 52 Week Challenge Balance: $2823.93


The cc #1 balance is now $2963.30!!

52 Week Challenge ... Credit Card Balance ... Ugh!

June 28th, 2016 at 10:59 pm

Hi, everyone. My credit card payment came due again on Friday and despite all the hard work I did at paying a good off, about $30.00 in finance charges were added. It's not even close to maxxed out. I think I need to verify the interest rate, because it's supposed to 12.9%, so the interest amount seems high. This interest brings the balance to $3157.00. Ugh!!!

Anyway, I recently got a Pinecone check of $3.00, so I sent it directly to cc #1.

Old 52 Week Challenge Balance $2364.23

$3.00 Pinecone payment applied to cc #1

New 52 Week Challenge Balance: $2367.23


After the payment, the cc #1 balance is $3154.00.

I should add to the above that no recent purchases were made to cc #1 which did not get immediately paid for.

More Snowflakes for the 52 Week Challenge

June 6th, 2016 at 02:04 pm

Hi, everyone. I am celebrating here today! CC #1 balance is under $3200! Woo-hoo!

Old 52 Week Challenge Balance: $2221.23

$3.00 Pinecone check

New 52 Week Challenge Balance: $2224.23

New cc #1 balance: $3198.75

More Snowflakes for the 52 Week Challenge

June 3rd, 2016 at 10:55 pm

Hi, everyone. I used cc #2 recently to buy something and got 1.5% cash back. Woo-Hoo! I have already requested a credit to the account to help pay off the balance that is there.

Old 52 Week Challenge Balance: $2198.63

$2.60 rewards from cc #2

New 52 Week Challenge Balance: $2201.23

Payday, Snowfalkes, and the 52 Week Challenge

June 2nd, 2016 at 11:58 pm

Hi, everyone. I get paid tomorrow and so more money is going to savings, retirement, and debt.

Old 52 Week Challenge: $2041.93

Regular Savings Deposit $40.00
Car Savings Deposit $20.00
House Savings Deposit $20.00
Medical Savings Deposit $1.00
Tax/AAA Membership Savings Deposit $1.00
Tax Prep Savings Deposit $3.00
Escrow Savings Deposit $5.00
DH's payment to cc #1 $66.70

New 52 Week Challenge: $2198.63

This brings cc #1 balance to $3221.75.

I have a Pinecone deposit coming in a day or two. I will send it directly to cc #1 when I get it.

More Snowflakes for the 52 Week Challenge

May 31st, 2016 at 05:49 pm

Hi, everyone.

I checked my checking account today and found a $0.99 rewards deposit. We get these when we shop at certain stores. Of course, I sent it directly to cc #1.

Old 52 Week Challenge Balance $2040.94

$0.99 rewards deposit

New 52 Week Challenge Balance $2041.93

This brings cc #1 down to $3288.45.

DH gets his check tomorrow. I went send $66.70 of it to cc #1.

Payday, Snowfalkes, and the 52 Week Challenge

May 5th, 2016 at 11:14 pm

Hi, everyone.

I got some snowflakes earlier this week, so I am reporting that and amounts for my payday tomorrow. I have decided to save in advance for our fees to have our taxes done, as every year, it seems to creep up on us and I wind up taking it out of regular savings - not good. Here are my numbers:

Old 52 Week Challenge Balance: $1791.20

mrrebates rebates totaling $11.04
cc #1 DH's payment 5/2 $66.70
regular savings deposit for 5/6 $40.00
slush deposit 5/6 $20.00
car savings deposit 5/6 $30.00
hvac savings 5/6 $7.00
2016 tax prep savings 5/6 $6.00
AAA/prop tax savings 5/6 $10.00
medical savings 5/6 $6.00
cc #1 payment 5/6 $50.00

New 52 Week Challenge Balance: $2037.94

This is amazing. I have saved or paid off more than $2000 and it's not even June yet!

I am doing a food challenge this week and next to see how little I can spend on food for my lunches and such. I am growing my own kale, lettuce, and green onions, so I have plenty of makings for lunch during that time. I will have some pocket change to put towards my grocery bill and will send the matching amount to cc #1.

I also have a $3.00 payment coming from Pinecone, but I will add it in when I get it.

52 Week Challenge and Upcoming Snowflakes

April 27th, 2016 at 08:23 pm

Hi, everyone. I just got a Pinecone survey check for $3.00 and sent it directly to cc #1.

I also will have some other snowflakes coming soon in the way of DH's payment to cc #1 in the amount of $66.70 and my rebates for mrrebates of around $11.00.

Awesome!

Old 52 Week Challenge Balance: $1788.20

Pinecone Check $3.00

New 52 week Challenge Balance: $1791.20

52 Week Challenge Progress

April 14th, 2016 at 12:25 am

Hi, everyone. I got a payment from pinecone today, so I am sending it right to cc #1 before I have a chance to spend it on shiny baubles. Big Grin

Old 52 Week Challenge Balance: $1601.93

Pinecone payment $3.00

New 52 Week Challenge Balance: $1604.93


Also, I apparently miscalculated what the balance on cc #1 would be after an earlier payment. After this $3.00 payment, the balance is a whopping $3467.42!



I am going to start setting aside funds each payday, about $40 or so, to get invisalign braces next year about this time. It is something I have been wanting to do for a long time and I have just finally gotten fed up with the problem. I will put the money in my medical savings.

52 Week Challenge Progress

April 9th, 2016 at 02:18 am

Hi, everyone.

I just got a rebate of $18.02 for a purchase I made earlier.

Old 52 Week Challenge Balance: $1583.91

rebate $18.02

New 52 Week Challenge Balance: $1601.93

52 Week Challenge Progress

April 7th, 2016 at 09:20 pm

Hi, everyone.

I just got my epoll.com deposit.

Old 52 Week Challenge Balance: 1388.91

Epoll.com deposit $5.00

New 52 Week Challenge Balance: $1393.91

This brings my cc #1 balance down to $3551.00.

More Snowflakes Coming Soon...

April 7th, 2016 at 12:02 am

Hi, everyone.

I just got an email that I have $5.00 coming from epoll.com. Woo-hoo! It will take a few days to get it and when I do, I will send it directly to cc #1.

I also just finished a Pinecone survey. I will probably get $3.00 for finishing it.

52 Week Challenge Progress and Shopping Success

March 26th, 2016 at 08:57 pm

Hi, everyone.

I did my grocery shopping today and saved a total of $19.08.

Old 52 Week Challenge Balance: $1271.82

Pocket Change Paid to Grocery Bill $.01
Penny Found On the Ground Paid to Grocery Bill $.01
Savings From Shopper Card and Coupons $19.06

New 52 Week Challenge Balance: $1290.90

After getting home from the store, I sent $19.08 to cc #1.

Payday and 52 Week Challenge Progress

March 12th, 2016 at 08:49 pm

Hi, everyone. I got paid yesterday and so more money went to make payments on debt, retirement contributions, and bills. Here are my numbers so far.

Old 52 Week Challenge Balance: $925.82

slush fund deposit $20.00
regular savings deposit $40.00
house savings deposit $25.00
car savings deposit $25.00
professional savings deposit $20.00
escrow savings deposit $3.00
hvac savings deposit $3.00
extra on shoe allocation sent to cc #1 $30.00

New 52 Week Challenge Balance: $1091.82

And in other excellent news, I really, really needed a new pair of Asics tennis shoes. Because of feet and leg problems, they are the only shoes I wear and mine are about 1 year old. My husband found a new pair of all black ones on Ebay for $59.99 with free shipping. This is a pair of shoes that normally costs around $150.00 in the store, but I usually look for last year's model. I had allocated $90.00 for the purchase already, so after looking at my budget, I plan to put the rest on cc #1.

52 Week Challenge Progress

March 9th, 2016 at 02:26 am

Hi, everyone.

I got a deposit of $3.00 from Pinecone today. I am sending it right away to cc #1 before I have a chance to spend it on shinies.

Old 52 Week Challenge Balance: $922.82

$3.00 Pinecone deposit

New 52 Week Challenge Balance: $925.82


This also brings cc #1 to an all time low balance of $3615.25.

Another Payday and 52 Week Challenge Progress

February 26th, 2016 at 01:07 am

Hi, everyone. I get paid again tomorrow, so I have already allocated funds to go to savings, debt, and bills. My retirement comes out of my pay before I see it.

Old 52 Week Challenge Balance $678.14

Deposit to Car Savings $20.00
Deposit to Regular Savings $40.00
Deposit to House Savings $20.00
Deposit to Professional Savings $20.00
Deposit to HVAC savings (eventual replacement) $3.00
Deposit to AAA/property tax savings $4.00
cc #1 payment $50.00

New 52 Week Challenge Balance $835.14

I found a penny in my desk at work today. I will use it to pay part of my grocery bill Saturday.

I am going to do a pantry challenge, as I think I have been spending too much on food and need to scale back to pay more on debt. I have been really busy and stressed out with a big project at work, the biggest part of which will not end until about the beginning of April. In an effort to keep myself sane, I need to get out of my building at lunch and think about something else. I need to find a way to do that involves buying less stuff when I do it. I can't do the usually obvious things like bringing a sandwich or some kind of pasta/rice dish from home, as I can't eat grains. I think I will try to do something like buying a vegetarian salad and taking a package of tuna and some fruit with me. That makes my salad at least $1.00 cheaper. I can also use my fountain card (I already do most of the time). This strategy should help me to still say sane and get a break from work while also not breaking my budget. Big Grin

52 Week Challenge Progress

January 31st, 2016 at 09:40 pm

Hello, everyone.

I feel so blessed. I use cc #2 monthly for paying one bill. We also occasionally charge other things to it and it has rewards points which you can cash in for credit, a check, gift cards, etc. I don't like gift cards because they sometimes have fees attached to them or are limited to a specific store. They also have expiration dates and I don't have the time to keep up with such things. I would rather have a credit on the account if I have a balance or a check that I can deposit and spend however I want to. Today, I logged into the account and found that I had 5,000 rewards points. I cashed them in for a credit on the account because I currently have a balance. I am counting this as found money on my 52 week challenge.

Old 52 Week Challenge Balance $573.04

cc #2 rewards points $25.34

New 52 Week Challenge Balance $598.44

52 Week Challenge Progress, Tax Refund, and Other Stuff

January 30th, 2016 at 09:48 pm

Hi, everyone.

My husband gets his monthly check on Monday. When it clears, I will send $66.70 directly to cc #1.

Also, the mortgage payment clears on Monday. It is already allocated for.

I will have another Pinecone deposit soon and I will send it directly to cc #1.

I used $7.63 of spare change towards my grocery bill today. I made an equal payment towards cc #2. I charged a small amount to it and need to get it paid off soon.

We went to have our taxes done today. We will get $1095 from federal and $137 from the state.

I will probably be able to cash in my rewards points on cc #2 later next week. I am probably going to ask for it as a check, as I don't do gift cards.

We need to have some work done our car that will cost about $700.00. With the remaining $531.00, I will make a large payment to cc #1. With the earlier $66.70 payment and this payment, the cc #1 balance will be about $3600. Woo-Hoo! This is awesome. This will go a long ways towards paying off cc #1 this year.

I will post updates later.

Payday and 52 Week Challenge Progress

January 28th, 2016 at 07:35 pm

I get paid tomorrow. I have already paid both cc bills, allocated for 1/2 of the mortgage, and made out a deposit to savings.

Old 52 Week Challenge Balance: $379.04

cc #1 payment $50.00
cc #2 payment $20.00
House savings $30.00
Regular Savings deposit $40.00
Professional savings deposit $20.00
Escrow savings deposit $2.00
Tax/AAA Savings deposit $7.00
HVAC Savings deposit $5.00
Slush Deposit $20.00

New 52 Week Challenge Balance: $573.04

52 Week Challenge Progress

January 28th, 2016 at 02:38 am

Hi, everyone.

My cc #1 bill came due and of course, interest on top of the balance. The current balance is $4339.00. I recently cancelled a magazine subscription that I decided I did not want. Because the 1 year subscription had not even completed yet, the gave me a refund in full! Woo-Hoo! That totally surprised me, because I only contacted them to make sure that would cancel it. This is great news. I immediately sent the $39.00 for that to cc #1, bringing cc #1 to $4300.00.

Prior 2016 52 Week Challenge Balance: $340.04

Magazine Refund $39.00

New 2016 52 Week Challenge Balance: $379.04

Profit Payout In Savings Paid to 52 Week Challenge

January 21st, 2016 at 01:25 am

Hi, everyone. My credit union does a profit payout every January. This year, mine is $9.44. I also got a Pinecone deposit. I transferred both directly to cc #1.

Old 52 Week Challenge Balance: $327.60

$9.44 Profit Payout Payment to cc #1
$3.00 Pinecone deposit

New 52 Week Challenge Balance: $340.04

This brings my cc #1 balance to $4328.22.

52 Week Challenge for 2016

December 31st, 2015 at 07:29 pm

Hi, everyone.

It looks like everyone who participated in the 52 Week Challenge in 2015 had tremendous progress on their goals. I, for one, have really enjoyed the 52 Week Challenge this year and also the support from all of you on my goals. My goals listed below for 2016 are primarily concentrated on debt payoff again, but I will also be saving money too.

1) Increase my retirement contribution by 0.15% in January.

2) Continuing contributing to savings as normal.

3) Continue making cc #1 payments of $100.00 per payday and also $67.48 out of my husband's monthly check.

4) Contribute any survey money, rebates, etc. towards cc #1 payoff.

5) Grow as much of my own food as I can and buy as much other food organic as possible through local or other sources. This will help me to eat as clean as I possibly can for my own health. I also intend to save some produce as I possibly can with a Foodsaver. I know I can do carrots this way.

6) I will continue using the fountain card as a way to challenge myself to spend as little as possible on beverages while I am at work. I will funnel my savings to cc #1.

7) For awhile, I have been using my pocket change as a way to pay part of my grocery store bill. I will continue this.


Here is the link to the chart you can use. I did not use the chart, as I needed to contribute specific amounts to accomplish my goals of debt payoff.

http://www.savingadvice.com/articles/2013/01/23/1013883_52-w...

Who would like to participate in 2016?

2016 Goals

December 22nd, 2015 at 01:10 am

My resolutions, financial and otherwise, will be:

1) Increase my retirement contribution by 0.15% in January.

2) Continuing contributing to savings as normal.

3) Continue making cc #1 payments of $100.00 per payday and also $67.48 out of my husband's monthly check.

4) Contribute any survey money, rebates, etc. towards cc #1 payoff.

5) Grow as much of my own food as I can and buy as much other food organic as possible through local or other sources. This will help me to eat as clean as I possibly can for my own health. I also intend to save some produce as I possibly can with a Foodsaver. I know I can do carrots this way.

6) I will continue using the fountain card as a way to challenge myself to spend as little as possible on beverages while I am at work. I will funnel my savings to cc #1.

7) For awhile, I have been using my pocket change as a way to pay part of my grocery store bill. I will continue this.

Payday and 52 Week Challenge Progress

December 19th, 2015 at 06:53 pm

Hi, everyone.

It was payday yesterday for me, so I have already allocated for 1/3 of the mortgage (in a 3 payday month), allocated for car insurance, and paid the electric bill. I also found a penny on the ground outside a store today. I used $0.69 I had in pocket change to pay for part of my grocery bill.

I got my latest mortgage statement and I paid $155.36 in principal last month. Woo-hoo!

So, here are my update 52 Week Challenge numbers.

Old 52 Week Challenge Balance: $5592.82

$20.00 slush deposit
$40.00 regular savings deposit
$50.00 cc #1 payment
$155.36 principal paid on mortgage

New 52 Week Challenge Balance: $5858.18

I will delay making more cc #1 payments until the end of the coming week because of some other expenses.

I will not be going anywhere for the holidays or having company. My challenge for the next two weeks will be to make as many meals as possible from the food I already have. I will have about $135.00 unexpected expenses at a chiropractor in the next two weeks and want to make sure that does not impact the food budget or other areas unnecessarily.

As part of my recent exercises in gratitude, I have come to realize that whatever my problems, I am incredibly blessed. I have a husband who loves me, friends, a job, a car to get around, money to buy what I need and some of what I want, and the ability to grow food. In the past six months, I have donated food, pet supplies, household goods, clothing, and other items to 1) my college campus's food pantry that serves students in financial need, 2) a local domestic crisis center, 3) the local humane society, and 4) my college campus's office that serves international students.

52 Week Challenge Progress and a New Chair

December 17th, 2015 at 06:08 pm

Hi, everyone. I got my Pinecone deposit and sent it right away to cc #1.

Old 52 Week Challenge Balance: $5587.82

$5.00 pinecone payment

New 52 Week Challenge Balance: $5592.82


Also, I took the day off today and after a morning appointment which ended earlier than anticipated, we went to a local furniture store and bought the new chair. With tax, it was $435. Free delivery. I put it on cc #1, but plan to have it paid off quickly with the following: 1) I had $20.00 in my slush account, 2) $315.00 from regular savings, and 3) $100 from my paycheck on Friday. I don't like taking so much from savings, but that's what it's there for, right?

And even better, my husband asked if they could deliver it to today and they did about 30 minutes after we returned home. We were very happy.

52 Week Challenge Progress

December 11th, 2015 at 02:59 am

Hi, everyone.

I got $5.00 from Epoll surveys today, so I sent it right to cc #1. I also sent another $2.00 to cc #1 because I have been doing really well with the fountain card.

Old 52 Week Challenge Balance: $5573.68

$5.00 epoll surveys
$2.00 fountain card challenge

New 52 Week Challenge Balance $5580.68

52 Week Challenge Progress

December 8th, 2015 at 07:51 pm

I am doing really well this week with the fountain card, so I am sending an extra $2.00 to cc #1. I will probably be able to send at least one more payment to cc #1 before next payday.

Old 52 Week Challenge Balance: $5571.68

$2.00 extra payment to cc #1

New 52 Week Challenge Balance: $5573.68

Happy Thanksgiving and 52 Week Challenge Progress

November 26th, 2015 at 05:00 pm

Hi, everyone. I just want to wish Happy Thanksgiving to all of you and hope that you are having a restful, stress free day.

I finally got $5.00 more from Pinecone, so that went straight to cc #1.

Also, I have been doing pretty well with the fountain card, so I sent $2.00 to cc #1.

Old 52 Week Challenge Balance: $5364.68

Pinecone $5.00
fountain card savings $2.00

New 52 Week Challenge Balance: $5371.68


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