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Archive for February, 2009

Feb 09 Totals

February 28th, 2009 at 08:21 pm

Rent $1,020
Car Payment $290
Car insurance $338.86 (paid 3 months)
Fast Food $194.88 (should punish myself for this )
Household (paper towel etc...) $57.80
Groceries $68.12
Gasoline $149.95
Debt Payments $528.89 (Woohoo)
Entertainment $3.18 (awesome here)
Personal (hair & nails grr) $102
Car Maintenance $51.48
Telephone Service $78.95

Total Income $2,250
Total outgo- $2,884
Difference $634.11

Which would be considered in the negative however I received my income taxes this month and used it for my debt payments and treated myself to the personal expense from it as well. I still have a great amount of my tax refund in the bank I'm going first thing tommorow morning to store it in a seperate bank. I'm working on March's plan which will defintely not be as spendy as february I have to keep telling my self I want to become Debt free!!! I have to stick to planning meals and filling the gaps by taking snacks to work to cut out the fast food crave. Any suggestions anyone would help guy's. I'm Marching in to March with a much better financial outlook I will post my proposed March budget sometime tomorrow morning. Maybe I'll use it as a guide each time I log in that way I can track my progress during the month.

Please Help!!! All opinions welcomed

February 27th, 2009 at 04:22 pm

I found $50 while cleaning out my closet in one of my old purses. lol I'm wondering with this "windfall" so to speak money should I apply another $50 to my next debt on my snowball list. Or treat my self to a hair do or to the nail shop for such hard work I've done thus far with paying off my debt. This is such a hard decision. What would you do if you were in my shoes right now.

This weekend

February 27th, 2009 at 02:34 am

I will post spending totals for the month of february and make new goals for the month of March and hopefully have all meals planned out for the next two weeks as well.

Keeping the Snowball rolling

February 24th, 2009 at 04:12 am

Payday is quickly approaching this friday I sat down and figured out my bills and here the results.

Rent $1,020
Student Loan Pymt $30
Gas $40 (for 2 weeks)
Cable, Phone, Internet $81.52
$50 To World Alliance (next on my snowball)

Organizing the Pantry in hopes of Saving money

February 22nd, 2009 at 05:35 am

This morning I am going through my pantry to "create meals" this week. I'm hoping to save a few dollars from eating what I have and not purchasing items I don't need right at the moment. I'm doing well thusfar. I found to things of sugar both half empty I put the too togther and tada I have a whole thing of sugar. lol I'm so glad I finally got around to doing this. I'm also found a brand new jar of peanut butter I bought about a month ago and haven't opened. I'm definetely going to eat pbj sandwiches at work this week. This stuff works if I don't have to purchase to many food items this week I can send a payment towards my debt snowball.

Anticipating March 11,2009

February 19th, 2009 at 08:19 pm

I'm so excited I can't wait until that day. I get paid that day and will be paying off Verizon and World Alliance and if no unexpected expenses pop up I'll also be able to pay off more than half of Balt Phy. I'm so excited and motivated I'm moving right along on this snowball plan. I'm so thankful to have found Dave Ramsey's baby step methods. Its working out great for me I'm seeing results each month and its keeping me motivated to hit the Finish Line. I can't wait until i can finally say I'M DEBT FREE!!!!

All Bills Are Paid for this month

February 18th, 2009 at 04:25 pm

I'm so excited today is just the 18th and all my bills are paid. I'm so excited this is such a big turn around for me I use to be really bad about paying my bills on time. I've learned a great deal in such a short time and its such a great feeling. I feel like I'm finally winning in this financial game. lol

Student Loan Payment

February 15th, 2009 at 04:21 am

I have after all the bills and money set aside for gas and groceries exactly $41 left in my checking account. I was thinking of sending $41 to World Alliance my next debt on my snowball list but think it will be more beneficial to pay my student loan payment. Since there's interest tacked on to those payments each month and it'll keep me ahead of the game as well. My next payment will be due on April 6,2009 and than i'll make another Payment in March as well. Ummmm very tempted to do so I'm sure I'll "blow" the money on something useless if I don't send in the payment.

Officially Booted Eastern Revenue Out the house!!!!

February 13th, 2009 at 07:27 pm

Officially Booted Eastern Revenue Out the house!!!! LOL I paid them off today and I am so happy bringing my debt pay off total to $700 in two months time Awesome. I'm so happy to have get rid of them World Alliance is on its way out the door next paycheck. lol

$540 Debt Paid off as of 02-10-2009

February 10th, 2009 at 03:52 pm

Wooo hooo I know its not much but every little bit is one step to becoming debt free. I can't believe in only 6 weeks. $540 has been dumped into debt I'm so motivated and can't wait to post future pay totals. As you guys can see from my side bar I went a little out of order lol but felt the need to because Nco has not reported that account to the credit reporting agencies So i just went ahead and paid them off since I'm already on an arrangement with Eastern Revenue. It works out well neither of them will be reported on my credit report. But I'm going to pay Eastern Revenue off come friday with my paycheck.

Tentative Paycheck Spending

February 8th, 2009 at 01:15 pm

Car insurance $158
Electric Bill $70
Car Payment $289
Wells Fargo $46
ACH $5
Doctors Hospital $10
Access Receivables $10
BGE $19
Balt Phy $11
Gasoline $40
Groceries $20
Entertainment $40
Eastern Revenue $160
World Alliance $175

I must say Dave Ramsey's Total money makeover is really working out for me. I can't believe that I will have 4 debts paid off already and this is my second month on the plan. WOW I'm so excited and so motivated to do this. I love having a "spending plan" for everything it really gives me a reality check. I know where each dollar is being spent and I'm getting out of debt in the process. This is so awesome.

Just when I thought A No spend Week would happen

February 7th, 2009 at 03:52 pm

I had a very good week up until thursday and than bammm a unexpected expense seems to show up. I have to have my license for work renewed by May 1st. For the past 4 years my job has been paying the renewal fees but this year I had a feeling they wouldn't pay for it. However, my supervisor lead us to believe different "oh everythings fine we'll cover the expense even with the recession this year" but on thursday evening I was giving a website by her to log in to register and pay for my licensing classes. I am thankful to still have a job but I wish it could have been mentioned sooner allowing us more time to plan for it. So $85 was the total spent to pay for 4 classes but I have to have them so what the hay. The only thing I'm ticked about is the fact that I have to now sit down and figure out how i'm going to repay $85 to my account from my paycheck this week. After I have sat down last sunday and wrote out checks and everything. Darn.....

Today Was a No Spend Day

February 2nd, 2009 at 04:50 pm

WOOHOOO I'm so excited I ate breakfast at home and packed my lunch and spent $0 on food today. This is one of my goal of 7 in a row.

Saturday's Total Spending

February 1st, 2009 at 07:53 am

Gasoline $20.91
Oil Change $32.48
Chick-fil-a $9.58 (ouch)
Walmart $11.43

Grand Total= 74.40 I orignally budgeted to only spend about $55. I have got to start grabing breakfast or a snack before going in EARLY for car maintenance. Chick-fil-A is literally in walking distance from the dealer. So they got me my own mistake I should of ate breakfast before I left. Hopefully the next seven days will be NSD's.