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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.

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

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 -

Text is http://www.thecandidadiet.com/thai-cucumber-salad/ and Link is

2) Cabbage Marsala and a steak -
Text is http://www.thecandidadiet.com/cabbage-masala/ and Link is

3) Salad with mustard tarragon dressing and salmon
Text is http://www.thecandidadiet.com/spring-salad-mustard-tarragon-dressing/ and Link is

4) Thai Red Curry Chicken
Text is http://www.thecandidadiet.com/thai-red-curry-chicken/ and Link is

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

6) Roast Beef and vegetables

7) Paleo Shepherd's Pie
Text is http://paleogrubs.com/simple-shepherds-pie and Link is

8) Baked Chicken and Vegetables

9) Chicken Stir Fry

10) Tuna Salad

Payday and Other 52 Week Challenge Stuff

April 23rd, 2016 at 01:28 pm

Hi, everyone.

I just got paid yesterday and have already paid all bills due, including car insurance, 1/2 of the mortgage, water/sewer, cc #1, and made savings deposits.

Old 52 Week Challenge Balance: $1604.93

Regular Savings Deposit $40.00
Car Savings Deposit $20.00
House Savings Deposit $20.00
cc #1 regular payment $50.00
Toluna check paid to cc #1 $25.00
Pocket Change Paid to Groceries also paid to cc #1 $13.43
Shopper Card Savings Paid to cc #1 $14.84

New 52 Week Challenge Balance: $1788.20

This also brings the cc #1 balance to $3389! Woo-HOO!

52 Week Challenge Progress

April 5th, 2016 at 05:23 pm

Hi, everybody.

DH got his regular check on April 1st and paid $66.70 to cc #1 with it. On Saturday, April 2nd, I went shopping and used $15.77 in pocket change to pay to the grocery bill. With coupons and sales, I saved $15.54 on the grocery bill.

Old 52 Week Challenge Balance: $1290.90

DH's payment to cc #1 $66.70
cc #1 payment from grocery savings $15.77
cc #1 payment from pocket change paid to grocery bill $15.54

New 52 Week Challenge Balance: $1388.91

I also accumulated enough rebates at mrrebates to cash in. I will get my funds May 1st and send it directly to cc #1.

52 Week Challenge Progress and Shopping Success

March 26th, 2016 at 01:57 pm

Hi, everyone.

I did my grocery shopping today and saved a total of $19.08.

Old 52 Week Challenge Balance: $1271.82

Pocket Change Paid to Grocery Bill $.01
Penny Found On the Ground Paid to Grocery Bill $.01
Savings From Shopper Card and Coupons $19.06

New 52 Week Challenge Balance: $1290.90

After getting home from the store, I sent $19.08 to cc #1.

Payday and 52 Week Challenge Progress

March 25th, 2016 at 03:58 am

Hi, everyone. I have been paid today, so I have allocated more money for debt, savings, retirement, and bills. Here are my numbers.

Old 52 Week Challenge Balance: $1091.82

Regular Savings Deposit $40.00
Car Savings Deposit $20.00
House Savings Deposit $20.00
Professional Savings Deposit $40.00
Slush Deposit $20.00
cc #1 payment $40.00

New 52 Week Challenge Balance: $1271.82

I should be getting my Toluna check any time. It is for $25.00. I previously wanted to use it for cc #1, but I will be attending a conference in a nearby town in April. I have most of the funds set aside already in professional savings, but need more. I really did not think I was going to get to go. I am also going to pay whatever savings I have at the grocery store to cc #1. I will also use some spare change to pay some on the grocery bill and do the same with it.

52 Week Challenge Progress

February 27th, 2016 at 07:38 pm

Old 52 Week Challenge Balance: $835.14

Pinecone deposit paid to cc #1 $3.00
Spent pocket change on part of grocery bill, so I am making matching payment to cc #1 $7.00

New 52 Week Challenge Balance $845.14

Tuesday is my husband's monthly payday, so he will be making a payment to cc #1 also. I will also get a deposit from mrrebates for almost $11.00 that I will send directly to cc #1.

Woo-hoo! It just keeps rollin' on in!

Another Payday and 52 Week Challenge Progress

February 25th, 2016 at 05:07 pm

Hi, everyone. I get paid again tomorrow, so I have already allocated funds to go to savings, debt, and bills. My retirement comes out of my pay before I see it.

Old 52 Week Challenge Balance $678.14

Deposit to Car Savings $20.00
Deposit to Regular Savings $40.00
Deposit to House Savings $20.00
Deposit to Professional Savings $20.00
Deposit to HVAC savings (eventual replacement) $3.00
Deposit to AAA/property tax savings $4.00
cc #1 payment $50.00

New 52 Week Challenge Balance $835.14

I found a penny in my desk at work today. I will use it to pay part of my grocery bill Saturday.

I am going to do a pantry challenge, as I think I have been spending too much on food and need to scale back to pay more on debt. I have been really busy and stressed out with a big project at work, the biggest part of which will not end until about the beginning of April. In an effort to keep myself sane, I need to get out of my building at lunch and think about something else. I need to find a way to do that involves buying less stuff when I do it. I can't do the usually obvious things like bringing a sandwich or some kind of pasta/rice dish from home, as I can't eat grains. I think I will try to do something like buying a vegetarian salad and taking a package of tuna and some fruit with me. That makes my salad at least $1.00 cheaper. I can also use my fountain card (I already do most of the time). This strategy should help me to still say sane and get a break from work while also not breaking my budget. Big Grin