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Update on Fabulous Progress on 2019 Financial Plan

July 12th, 2019 at 06:50 am

Okay, so today is payday for me, so I have more money going into savings, payments on debt, and bills.

My husband and I recently switched our internet from a big, national company to a local co-op provider. We used to pay around $120.00 per month for unlimited landline plus a mid-level speed, broadband internet. We were not happy, as it made loading pages a nightmare. Eventually, we were able to switch to the co-op. Now, we have gigabit internet plus unlimited landline for $114.90 per month! I am so happy and my husband is too, as he likes to do online gaming and watching shows on tubi.

So, we are spending a little less money on that. Because of that and the fact that I have a raise kicking in sometime in the next few months, I have drawn up a new budget, but I won't implement it until I start getting the new pay. The new budget strives to increase emergency savings and house savings, as we need to do some maintenance and repairs to our house. We will also continue to pay a little extra on our credit cards, but keep our mortgage payment at the minimum.

So, for this payday, so far I put $40.00 into emergency savings, $20.00 into slush, $50.00 into car savings, $50.00 into house savings, and $25.00 into professional savings. I made a $20.00 payment to cc1. I have almost made my goal of saving money in emergency savings. I have about $60.00 to go. I have also almost met my goal for 2019 of paying down cc1 to $3K.

When I go shopping tomorrow, I will use all the cash I have to pay part of my grocery bill. I will make a payment equal to the amount of cash plus my coupon savings to cc2.

Update on Progress on 2019 Financial Plan

July 4th, 2019 at 09:35 am

Hi, everyone. I have made some more progress on my 2019 Financial Plan.

$117.62 paid to cc1

I should be able to pay an additional $40.00 on the 12th.

$40.00 more saved in emergency savings

I will be depositing $40.00 more on the 12th and I should be able to make my emergency savings goal this year.

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.

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

April 25th, 2018 at 11:24 am

It is now at $4127.25! I am so excited.

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!

Car Fund Updated

April 12th, 2018 at 06:46 am


Car Fund Updated and cc #1 Down

April 8th, 2018 at 11:30 am

Yesterday, I saved $27.00 at the store when buying groceries. I divided that up between cc #1 and the car fund.

cc #1 is now $5532.75

car fund is now $3970.25

Car Fund Updated and Other Stuff

April 7th, 2018 at 12:53 pm

The car fund is now up to $3956.75!

We had to take care of another minor problem this morning. The tv just shut off in the middle of my husband playing a video game and would not come back on. We both right away looked for the remote control to make sure we and the cats were not sitting on it. The remote was sitting on a side table having not been bothered at all. We checked all the cables and everything seemed fine except the tv would not come on. I tried going to a local appliance place to see if they were open today, as we like to support locally owned business over chains. The store was supposed to be open, but was not open, so we wound up going to Walmart. I do not like Walmart, as it drives the little guys out of town, but they are no other choices where we live except to buy something online and that would have taken at least a week to get. Oh well.

Car Fund Updated and Leftovers

April 6th, 2018 at 11:16 am

The day before payday I discovered I had $109.49 left in checking!! Wow!

I divided up the remaining funds among the car account, cc #1, and the small balance I have on cc #2.

$36.50 to cc #1
$36.50 to car savings
$36.49 to cc #2

I also received $3.00 from Pinecone.

I am so happy and surprised and grateful for this abundance. I have been really concentrating on being grateful for what I do have and not focusing on debt or financial problems or limitations.

I will be adding more to car savings and cc #1.