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52 Week Challenge and Payday

July 14th, 2016 at 07:15 pm

Hi, everyone. I get paid tomorrow and so I am sending more money to debt, savings, retirement, and regular expenses. I have already written a check for deposit to savings reference below, paid the gas bill, allocated for 1/3 of the mortgage, and made a payment to credit card #1. I also wrote a check for payment on plumbing work we had done, but that is not a debt.

Old 52 Week Challenge Balance: $2583.93

$40.00 regular savings deposit
$25.00 car savings deposit
$25.00 car savings deposit
$20.00 slush deposit
$5.00 escrow savings deposit
$5.00 medical savings deposit
$5.00 hvac savings deposit
$5.00 professional savings deposit
$5.00 AAA/car tax savings deposit
$100.00 cc #1 payment

New 52 Week Challenge Balance: $2818.93

I forgot to say that this month is a 3 paycheck month for me, so I have allocated extra funds towards savings and debt repayment. After buying groceries and other necessities, I will contribute more to debt repayment.

52 Week Challenge and Payday

July 1st, 2016 at 02:05 pm

Hi, everyone. I got paid today, so I am sending more money to debt, savings, and retirement.

Old 52 Week Challenge Balance: $2367.23

Regular Savings Deposit $40.00
House Savings Deposit $25.00
Car Savings Deposit $25.00
HVAC Savings Deposit $5.00
Medical Savings Deposit $5.00
AAA/Car Tax Savings Deposit $5.00
Escrow Savings $5.00
Extra Left in Slush From Last Payday Sent to cc #1 $20.00
DH's Payment to cc #1 $66.70
addendum: Slush Deposit $20.00

cc #1 balance is now $3067.30!!!

New 52 Week Challenge Balance: $2583.93

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

June 28th, 2016 at 03:59 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.

Payday and the 52 Week Challenge

June 16th, 2016 at 05:40 pm

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

Old 52 Week Challenge: $2229.23

$40.00 regular savings deposit
$20.00 car savings deposit
$20.00 house savings deposit
$5.00 hvac savings deposit
$5.00 medical savings deposit
$5.00 tax/aaa savings deposit
$5.00 tax prep savings deposit
$5.00 escrow savings deposit
$50.00 cc #1 payment
$20.00 xfer to cc #1 from last payday's slush

New 52 Week Challenge: $2364.23

This brings cc #1 down to $3123.75!!! Big Grin

More Snowflakes for the 52 Week Challenge

June 8th, 2016 at 05:44 pm

Old 52 Week Challenge Balance: $2224.23

payment to cc #1 $5.00

New 52 Week Challenge Balance: $3193.75

More Snowflakes for the 52 Week Challenge

June 6th, 2016 at 07:04 am

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 4th, 2016 at 11:14 am

Hi, everyone. I sent $20.00 to cc #1. This brings to cc #1 balance to $3201.75.

Old 52 Week Challenge Balance: $2201.23

$20.00 payment

New 52 Week Challenge Balance: $2221.23

More Snowflakes for the 52 Week Challenge

June 3rd, 2016 at 03:55 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 04:58 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 10:49 am

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 and Other 52 Week Challenge Stuff

May 21st, 2016 at 12:12 pm

Hi, everyone. I overspent some last week, but I am determined not to let it get me down. I was sick with a sinus infection and eating badly, so I wound up buying things I probably did not need. I will be eating a lot of things from my garden for the next couple of weeks. I did use $0.42 pocket change to pay part of my grocery bill today. I will send that same amount to cc #1.

Old 52 Week Challenge Balance: $2040.94

$40.00 regular savings deposit
$50.00 cc #1 payment

New 52 Week Challenge Balance: $2130.94

Here are my meals for the coming week:

1) Thai Curry Salad - [url]http://www.thecandidadiet.com/thai-cucumber-salad/[/url]

2) Cabbage Marsala and a steak - [url]http://www.thecandidadiet.com/cabbage-masala/[/url]

3) Salad with mustard tarragon dressing and salmon [url]http://www.thecandidadiet.com/spring-salad-mustard-tarragon-dressing/[/url]

4) Thai Red Curry Chicken [url]http://www.thecandidadiet.com/thai-red-curry-chicken/[/url]

5) Breakfasts - eggs, chicken, and smoothies with spinach, spirulina, almond milk, seeds, and stevia

6) Roast Beef and vegetables

7) Paleo Shepherd's Pie [url]http://paleogrubs.com/simple-shepherds-pie[/url]

8) Baked Chicken and Vegetables

9) Chicken Stir Fry

10) Tuna Salad

My Money Scripts

May 18th, 2016 at 06:34 pm

I decided to take a cue from Dido and find out my money scripts. What do we have to lose, as we learn more about ourselves, right? Here are my money scripts. I am very surprised, as I did not expect to do as well as this.

To find out about your money scripts, take this test: [url]http://app.keysurvey.com/f/989930/d74e/[/url]

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Money Avoidance = 2.00

Your score on the money avoidance scale suggests that you do not exhibit significant money avoidance beliefs. In fact, research has shown that your score on this scale is similar to those who have been identified as wealthier, wiser, and more highly educated.

Money avoiders believe that money is bad or that they do not deserve it. They believe that wealthy people are greedy or corrupt, and that there is virtue in living with less money. Because of their negative associations with money and wealth, money avoiders may sabotage their financial success and/or give money away in an unconscious effort to have as little as possible. Research has shown that money avoidance scripts can be associated with ignoring bank statements, increased risk of overspending, enabling others financially, financial dependence, hoarding, and having difficulty sticking to a budget.

Money Worship = 3.14

Your money worship score suggests that you do not endorse significant levels of money worship beliefs.

At their core, money worshipers are convinced that the key to happiness and the solution to all of their problems is to have more money. At the same time, they believe that one can never have enough money. Individuals who score high on the in the area of money worship are more likely to have lower income, lower net worth, and credit card debt. They are also more likely to spend compulsively, hoard possessions, and put work ahead of family. They may give money to others even though they can’t afford it and are more likely to be financially dependent on others.

Money Status = 1.43

Your score on the money status scale shows that you do not hold money status beliefs.

Money status seekers see net-worth and self-worth as synonymous. They may pretend to have more money than they do, and as a result are at risk of overspending. They often believe that if they live a virtuous life, the universe will take care of their financial needs. They may have grown up in a household that prioritized the financial aspects of social standing. Research has shown that people with money status beliefs are at greater risk of overspending, gambling excessively, financial dependence on others, and hiding expenditures from their spouses.

*Money Vigilance = 4.00

Your money vigilance score indicates that you endorse money vigilance beliefs.

The money vigilant are alert, watchful, and concerned about their financial welfare. They believe it is important to save and for people to work for their money and not be given financial handouts. Research has found that higher money vigilance scores are positively associated with higher levels of financial health. The money vigilant are less likely to buy on credit. They also have a tendency to be somewhat anxious about their financial futures, inspiring them to save. While they have a tendency to be secretive about their financial status with others, they are less likely to keep financial secrets from their partners. While money vigilance encourages saving and frugality, excessive wariness or anxiety could keep someone from enjoying the benefits and sense of security that money can provide.

Food Challenge This Week

May 14th, 2016 at 03:46 pm

We are a little low on funds this week, so I am setting up a food challenge for this week. I am attempting as much as possible to use food we already have