More good news. A few days ago, I bought a scratcher lottery ticket for $1.00 or $2.00. Today, I found out I won $10.00. So, I am adding $10.00 to the UFM total.
Viewing the 'found money' Category
I got a survey payment of $3.00 today. I sent it off to cc #1. 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.
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.
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.
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.
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!!
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.
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