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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!

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

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

Got Paid Today and Other Stuff

May 18th, 2018 at 07:59 am

Hi, everyone. I got paid today.

Retirement and savings are up. Debt is down. Here is my update of retirement, savings, and debt. Woo-hoo!

Slush Fund $20.00
Regular Savings $1595.10
Car Account $4307.93
House Account $579.70
Professional Account $318.38
Medical Savings $140.26
AAA/Car Tax Savings $43.01
2018 Tax Prep $18.03
Escrow Account $43.00
Appliances Replacement $27.00
Retirement account $121,033.90

Payday and Other Things

May 4th, 2018 at 06:52 am

Hi, everyone. I got paid today.

My car savings fund is up to $4212.43! My goal is to have at least $7K when I go to buy a car.

cc #1 is at $5483.62.

Car Fund Updated and cc #1 Down

April 22nd, 2018 at 07:27 am

The car replacement fund is at $4,062.25. This is not counting future anticipated funds or the value of selling or trading in my car.


cc #1 is at 5597.43!

Payday and My Challenge

March 10th, 2017 at 11:24 am

Okay, so I have hit a major snag in my plan to pay off cc #1 this year. So, the story goes that last Thursday, the water heater officially died, hence the removal of $500.00 from the house account. It wasn't something I wanted to do, but by the time the plumber arrived, my husband said it was spewing water out the top of the unit. I have not written the check to cover it yet, but it is covered. Fast forward to Wednesday this week when it was 36 degrees outside and our very old furnace was blowing cold air. My husband called a local company to come out and work on it. They "fixed" it, but told us it has a max life of 5 years left. So, we made a mental note to step up the game on saving for the hvac right away. He scheduled a visit with the same company to come out and do a free in home estimate to replace the furnace and a/c. It was basically window shopping so we would know what to shoot for in our savings plan. That same day the furnace quit again, so we began to look more seriously at the quote. The quote is $4564.00 to replace a/c, furnace, thermostat, and a concrete pad for it to rest on. I still had 94% of the tax refund sitting in savings, as we used $95.00 of it to get a new yard/security light installed. When we finally made our minds to accept the quote, we transferred the rest of the tax refund to pay off a large portion of cc #1 in order to cover the cost of the repair. I am definitely going to step up the game of surveys and rebates and not buying non-essentials, like right now!

2nd 2017 Payday and My Challenge

January 26th, 2017 at 06:17 pm

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 30th, 2016 at 05:19 pm

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.