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More Progress on Debt Payoff

October 29th, 2019 at 07:04 am

Hi, everyone. I got a payment of $10.05 for surveys. I paid it directly to cc #1.

I also cashed out rebates of over $10.00. I will get that in a few days and send it also.

Friday is my next payday and I still have money in checking. Big Grin

I definitely feel blessed right now.

More Paid to Debt

October 26th, 2019 at 01:16 pm

I got a survey payment of $3.00 today. I sent it off to cc #1. Woo-hoo!

More Progress...

October 24th, 2019 at 09:43 am

So, I realized today that I can send more money to cc #1, so I sent more.

I am also depositing funds to the car tax/aaa savings, escrow savings, and tax preparation savings.

This completes my savings and debt payoff goals for this month, but because I still have some money left, I will be sending more soon.

More Progress on Debt Payoff

October 23rd, 2019 at 05:32 pm

I paid $50.00 more to cc #1 today. Woo-hoo!

Entertainment Center is Here!

October 22nd, 2019 at 05:15 pm

Here's a shocker. We order an entertainment center on Friday. We expected it to take the usual 7-10 days shipping time to get here. When I got home from work tonight, it was on the porch. That's fast! The resl test is going to be putting it together. LOL

More Shopping Today

October 20th, 2019 at 04:30 pm

I did some more shopping today for much needed items.

Furnace Filters. I buy our furnace filters online because we have an odd size of 16 x 25 x 2. Hardware stores in my area do not carry this size. The ones I buy are better filters and cheaper by the filter than buying at a store. I bought 4 filters for $47.00.

Supplements. I bought some more supplements online for $47.00.

I will get rebates on all of these because I ordered by going through mrrebates. I also had coupons for most of what I ordered. Woo-Hoo!

Shopping Today

October 19th, 2019 at 12:57 pm

So, my pay raise finally kicked in yesterday and I had a couple of things I have been needing to buy.

One of them is an entertainment center that is open on the back, making it easy to get to cords, etc. Our old unit is an old kitchen cabinet that someone gave to us about 15 years ago! So, one has been ordered and will be here in a week or so.

The second thing I bought was a Serta perfect sleeper memory foam mattress topper. These things are so good that putting one on top of a regular, good mattress is better than buying a really expensive mattress in my opinion. I am sleeping like a baby now and even my chiropractor commented about she could see an improvement.

I also bought groceries, gas, and paid all the regular bills, credit cards, and made savings deposits.

My First Update in Awhile

October 18th, 2019 at 09:48 am

This is my first update in awhile and I think that was way before the hacking incident.

Today is my payday. Woo-Hoo! The other thing I am celebrating is that my raise has finally kicked in and I have back pay in that paycheck from July to now. Yay! So, for this payday, I have stepped up the debt payoff and savings deposits. I am also planning on buying a couple of things I have been needing for awhile.

That's all for now. Now to make my shopping list. Big Grin

Update on Progress on 2019 Financial Plan

February 6th, 2019 at 06:06 pm

DONE!! 1) Purchase a used car with saved funds and tax refund by the end of February.

2)Pay down balance on cc #1 to $2000.00 by December 31st. Current balance is over $4,000, so I have a ways to go.

3) Continue to eat super healthy by growing some of my own food and buy some at the farmer’s market and stores.

4) Contribute any coupon or sales savings to credit card payoff. This is a money game I play.

5) I will also contribute any funds I get from rebates to credit card payoff also.

Bought a Car

February 6th, 2019 at 05:54 pm

Hey, everyone.

I finally got my tax refund on Tuesday.

Today, I bought a 2007 Chevrolet Impala with cash. Big Grin I have not had a car in such good condition in years. I had this car fully checked out by mechanics and it passed completely with a couple of minor exceptions that are easily fixed. It needs new brakes and new windshield, mostly. The rest is just basic maintenance stuff. I am so relieved and proud to have accomplished this goal. It's good thing I found a car in such good shape, because my old car no longer starts as of yesterday.

Tax Refund

January 28th, 2019 at 06:10 pm

Hi, everyone.

I just went and had my taxes done.

We are getting $1066.00 for our federal return and $118.00 from the state.

These additions alone will bring the car savings up to $7467.08. They said it could take 6-8 weeks to get our return. [Insert frownie face here.] But in the meantime, I will be adding in more to that sum.

As my Grandma used to say, I'm cooking with gas now! Big Grin

Car Savings Increased!

January 28th, 2019 at 02:24 pm

Hi, everyone.

I am making more progress on my plan. I just got a survey payment of $11.35 today. That brings my car savings balance to $6283.08. Woo-Hoo!

2019 Financial Plan Progress

January 24th, 2019 at 05:37 pm

I get paid tomorrow. This is my progress of my 2019 Financial Plan.

1) Transferring $80.00 to car savings, bringing the car savings balance to $6251.73. Woo-Hoo!

2) Payment to cc 1 $20.00. I will be paying an additional $93.81 on February 1.

3) Coupon savings and cash paid to grocery bill $11.00. I transferred this amount to car savings and it is included in #1 above.

4) I am also using the money I normally use to pay for mowing in the summer ($50.00 every 2 weeks) towards the car savings until we buy a car. After that, I will pay it towards the credit card. That $50.00 is in addition to what is listed in #1 above.

My Top Money Saving Tips

January 20th, 2019 at 04:52 pm

1. Establish a budget in whatever format is useful to you. It should be portable enough for you to access when out shopping. I put my budget on a 4x6 index card with amounts for each category. When I exhaust a category, I line through it and write the date.

2. Pay yourself (put money into savings and retirement) and pay all bills before buying anything else.

3. Limit most purchases to what is needed.

4. Before doing regular grocery shopping, do an inventory of all cabinets, fridge, and freezer.

5. Use cash to pay for small purchases, such as snacks from a convenience store, etc.

6. Use any remaining cash to pay towards weekly grocery tab. Pay an equal amount towards savings or debt, if you have any debt.

7. Use grocery store loyalty card to get discounts. Pay an amount equal to the coupon savings to savings or debt, if you have any debt.

I will update this as I think of more things to write.

This Week's Meal Plan

January 20th, 2019 at 03:58 pm

1) Breakfasts - eggs, piece ham or chicken, raw veggies like cucumbers or peppers, banana, almond milk

2) Chili - 2 suppers

3) Scouse - leftover - 1 supper for 2

4) Meatloaf - leftover - 1 supper for 2

5) Burgers and roasted veggies - 1 supper for 2

6) Tuna Salad and side of veggies - 1 supper for 2

7) Salads with ham, chicken, or tuna - 4 lunches for me

8) Tuna and guacamole with carrots - 2 lunches for me

9) Lunch Out - 1 lunch for me

10) Stir with chicken sausage and veggies - 1 supper for 2

11) Salmon patties - 2 lunches for DH

12) Shepherd's Pie - 4 lunches for DH

13) 1 leftover lunch for DH

Update to 2019 Financial Plan

January 10th, 2019 at 09:59 am

I have been having a hard time writing 2019. It does not seem like it should be 2019. Anyway, when I wrote my last entry with my 2019 Financial Plan, I put 2018. ha-ha! I have fixed it now.

2019 Financial Plan

December 31st, 2018 at 01:21 pm

Hi, everyone.

I am creating a Financial Plan for 2019, not a resolution. I have found resolutions to be too wishy-washy and not specific enough. For example, a lot of people say they want to lose weight or get out of debt, but there is no follow up or plan behind that. The goals must be achievable, measurable, and have a date or “ongoing” attached. So, here is my plan with notes on the steps needed to accomplish it.

1) Purchase a used car with saved funds and tax refund by the end of February. I need about $7000.00 to buy a car in decent shape and pay tax and registration. I have about $5937.00. My tax refund should be at least $1000.00 and I will be putting in at least another $210.00 in savings from payday savings. I also estimate I may get around $100.00 (yes, it’s in that bad of shape) for a trade in. All of that should put my balance over $7300.

2)Pay down balance on cc #1 to $2000.00 by December 31st. To that, I need to pay $228.00 per month on this debt. I currently pay about $200.00, so this will be a bit of a stretch.

3) Continue to eat super healthy by growing some of my own food and buy some at the farmer’s market and stores. Doing this, especially growing my own vegetables, makes a considerable difference in food expenses overall. I will contribute the estimate on what I would save to credit card payoff. Ongoing.

4) Contribute any coupon or sales savings to credit card payoff. This is a money game I play. Ongoing.

5) I will also contribute any funds I get from rebates to credit card payoff also. Ongoing