Smiley2009's Personal Finance Blog

Getting Back into my roots

(Smiley2009) — Tue, 28 Jul 2009 16:45:21 PST

I have to start blogging again I had a horrible spend month of july. Geezzz I'm so disappointed in myself I was doing so well.

Moving in 2 weeks to save money

(Smiley2009) — Sun, 05 Jul 2009 19:14:55 PST

I found a cheaper apartment to rent its the same size includes electric and saves me $116 or $1,300 annually not much but in my situation every little bit will help. I don't like moving but this one I feel is well worth it. It will make due as I'm looking to the long term of it I'll...

Paid off Two Debts today Woo hoo

(Smiley2009) — Sun, 21 Jun 2009 14:50:00 PST

Today I mailed off two payments one bill is a medical bill (my portion that the health insurance company wouldn't pay) the other is an old Pay day loan. I was so foolish back than it was back when I was 18 years old or so. But anyhow I'm cleaning up my debts now so I can fulfill my...

How much of your income should go towards housing???

(Smiley2009) — Wed, 03 Jun 2009 07:34:33 PST

My lease is up for renewal and I'm wondering if maybe too much of my income is going towards housing. What percentage should be allocated towards this. My annual salary is $39,000 a year currently I'm paying $12,720 per year in rent.

May's Totals

(Smiley2009) — Mon, 01 Jun 2009 04:43:55 PST

Rent $1,020
Car Payment $291
Cable/phone/internet $156
T-mobile $100
Student Loan $30
Electric $80 (overpaid $32)
Credit Card #1- $57
Credit Card #2- $61
Gasoline $128
Personal Grooming $228
Groceries $172
Fast Food $129
Debt Re-payments $277
Household Items inc computer...

I'm staying inside Spring cleaning and relaxing.

(Smiley2009) — Sat, 30 May 2009 09:18:56 PST

Today its very hot outside I've decided to stay home all day and spring clean and get organized as well. I will post May totals before Sunday and Set new goals for the month of June.

June is going to be a very Tight Month

(Smiley2009) — Sat, 23 May 2009 15:45:44 PST

I'm getting my budget lined up for the month and WOW so much is expected of me payment wise. For one my Annual Renters Insurance Bill is due as well as my Roadside assistance plan. I have been saving up for these to expenses over the past 11 months. The biggest issue is a ticket I...

Need Advice you guys

(Smiley2009) — Wed, 20 May 2009 15:39:35 PST

I received a $500 check as a apart of a class action suit. I'm stuck I don't know if I should apply it all to debt or pay 2 car payments with or place it in savings and increase my EF a little while I'm on my debt snowball. What would you do??

Happy Birthday too me!!

(Smiley2009) — Tue, 19 May 2009 08:11:40 PST

I am so excited today is my birthday and Payday btw and I'm paying off two debts at the end of this week. Wooo hoooo

How do you spend your extra paycheck??

(Smiley2009) — Tue, 12 May 2009 18:43:40 PST

Usually two months out of the year there's a month where you receive 3 paychecks instead of two if your paid bi weekly and 5 checks instead of 4 if your paid weekly "extra paycheck" is what its referred too how do you spend yours????

Everyone's two cents would be appreciated

(Smiley2009) — Fri, 08 May 2009 06:01:27 PST

Do you pay all your bills on pay day or do you wait until the due date approaches to pay them? Just curious as to what works for everyone else.

Paid Off a debt Today WOOO HOOO

(Smiley2009) — Wed, 06 May 2009 10:20:53 PST

Today I got a phone call from one of my creditors I've been paying since September 2006. Because I got on a payment plan and made all the monthly payments on time they sent me something in writing at the start of the plan that they would not report the account to the credit agencies...

Help please I need advice

(Smiley2009) — Thu, 23 Apr 2009 06:44:13 PST

I got a surprise in my paycheck this week last paycheck I had to pay for my license renewal for work. My boss reimbursed me this paycheck I know I want to place it on a bill because the money was already accounted for. But I'm undecided as to if I should pay ahead on a utility bill...

Student Loan Consolidation

(Smiley2009) — Sat, 18 Apr 2009 15:48:53 PST

Wow I haven't blogged since April 11th I'm slacking here almost 8 days and no blog. Well nothing has changed except yesterday after analyzing my student loans and finally figuring out that its hurting my credit score that I have 5 open installment loans because of it. So I decided...

Judgements Removed from My credit report

(Smiley2009) — Sat, 11 Apr 2009 11:33:36 PST

Woo Hoooooooooo during 2005 I had stopped working and 2 of my accounts went into a serious derogatory status in which 2 years later they both placed judgements against me. I've since in the last 1 year paid off both. I disputed one item with the credit bureau because one judgement...

PAID $126 Towards A Debt today

(Smiley2009) — Wed, 08 Apr 2009 16:28:04 PST

Actually towards my AACC Balance and now I have to pay $50 a month from here on out and as long as i pay the WILL NOT report this account to the credit bureau I'm so happy about that. I was so foolish in my younger days if only I knew back than what I know now. But we live and learn.

My Sunday

(Smiley2009) — Sun, 05 Apr 2009 14:54:46 PST

I've been to at four malls this weekend and did awesome I only spent $25.00 but bought four different pieces. Two dresses one shirt and a pair of ballet shoes. (lol) I'm scheduled for an oil change next saturday and literally 5 minutes before I pull into my parking lot my brakes are...

How many Accounts or banking instiutions do you have???

(Smiley2009) — Sun, 29 Mar 2009 04:54:29 PST

Just curious I find it much harder to keep my savings and Checking account in the same bank. I don't know if its a mental thing I see the money and want to spend spend spend or just what exactly it is. Is it feasable to have multiple savings accounts for different purposes or what.

First Quarter as A Whole Jan- Mar

(Smiley2009) — Thu, 26 Mar 2009 04:37:50 PST

January
Car Payment $291
Car Insurance $137.58
Electric $11 Have a credit Pd until March
Rent $1,020
Eating Out $113.59
Clothing $21.18
Gas $36.58
Telephone $53.53
Groceries $42.30
Household Items $81.44
Entertainment $22.00
Debt Payments $269.56
Misc Movie Late Fee...

Are there Any Legitmate Paid Survey's online

(Smiley2009) — Fri, 20 Mar 2009 16:38:32 PST

Does anyone know of any it seems that all of the websites I've visited there's some catch to it. Monetary that is they want you to buy this or that to join panels weird but crazy. Or are there any work from home jobs online that are legit I want to make some extra income but spend...