I got a survey payment of $3.00 today. I sent it off to cc #1. Woo-hoo!
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.
I paid $50.00 more to cc #1 today. Woo-hoo!
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
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!
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.
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.
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.
I finally got my tax refund on Tuesday.
Today, I bought a 2007 Chevrolet Impala with cash. 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.
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!
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!
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.
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.
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
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.
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