I am a 25-year-old single, working mother of 2. I've got a lot resting on my shoulders, and I'm embarking on a journey to improve my finances and be able to enjoy life with my family without the constant stress of money problems. I'm sick and tired of being sick and tired!
Wednesday, February 27, 2008
Tuesday, February 26, 2008
I'm Back & Feb. Update!
Whew, I'm back now... Anyways, lots of financial stuff going on since I last posted. We received our federal refund and paid off 4 cards! /cheer! Plus that pesky hospital bill is paid off! Anyways, I'm just going to update our current balances today and hopefully get the sidebar and everything else updated soon. School has been driving me nuts and now I'm training for the new position at work. I've heard it'll be 6 more weeks of training and then I'll be promoted if everything goes as planned! Which also means I'll be moving to salary with eligibility for bonuses!!!! I'm very excited about that part.
Ok, so on to the end of February update! It's a good one!
Old Navy- $0
Zales- $0
Best Buy- $0
CareCredit- $0
Dell- $0
AnB- $939.60
Citi- $4126.08
BofA- $5141.48
C Car Loan- $8066.65
M Car Loan- $11536.41
Total Debt: $29810.22
Plus Hospital bill: $118.70-$118.70= $0!
Isn't that beautiful?!! Plus, I almost forgot, I have my $1000 EF saved up! YEA!!! That was one great month for us!
Ok, so on to the end of February update! It's a good one!
Old Navy- $0
Zales- $0
Best Buy- $0
CareCredit- $0
Dell- $0
AnB- $939.60
Citi- $4126.08
BofA- $5141.48
C Car Loan- $8066.65
M Car Loan- $11536.41
Total Debt: $29810.22
Plus Hospital bill: $118.70-$118.70= $0!
Isn't that beautiful?!! Plus, I almost forgot, I have my $1000 EF saved up! YEA!!! That was one great month for us!
Saturday, February 9, 2008
State Return
Well, we already recieved our state return of $444. So I went ahead and paid off the Zales card with $261.58. I'm planning on saving the rest of the state. And once our Federal return arrives I will finish paying on those cards I already said and filling up the Emergency fund. Yea! We're finally catching up!
Monday, February 4, 2008
Tax return amounts
Wahooey! We finally got our W-2s and it looks like we'll be receiving $3169 from our federal return and $444 from the state! That is fantastic news! I plan on eliminating Zales, BestBuy, CareCredit, and Dell with at least $1000 going to savings... let's see if it pans out!
Feeling down
I'm feeling way down in the dumps... I need to stay focused. February should be a good month as it brings our tax return if our stupid W-2s would ever arrive.. I hate that our company waits till the 31st to mail them, I mean come on! lol
Anyways, I hope to pay off Zales, BestBuy, CareCredit, and Dell, so it will free up some extra money to send to the others each month. Anything over that amount will probably be put in to replenish our savings account.
I hope this goes as planned... I'm ready to get going again! Keep on keeping on! lol
Anyways, I hope to pay off Zales, BestBuy, CareCredit, and Dell, so it will free up some extra money to send to the others each month. Anything over that amount will probably be put in to replenish our savings account.
I hope this goes as planned... I'm ready to get going again! Keep on keeping on! lol
End of January
Well, here it is.. the end of January update... ONLY 4 days late =D
Old Navy- $0
Zales- $261.58
BestBuy- $353.60
CareCredit- $499.91
ANB- $940.91
Dell- $959.00
Citi- $4088.69
BoA- $5153.93
C Car- $8324.06
M Car- $11709.91
Total: 32291.59
up $334.84 over last month
Bringing my total paid off down to $873.66
Also paid $118.69 to DD's hospital bill bringing it's total due this month 237.39-118.69= $118.70 which will be the last payment, Thank goodness!
Old Navy- $0
Zales- $261.58
BestBuy- $353.60
CareCredit- $499.91
ANB- $940.91
Dell- $959.00
Citi- $4088.69
BoA- $5153.93
C Car- $8324.06
M Car- $11709.91
Total: 32291.59
up $334.84 over last month
Bringing my total paid off down to $873.66
Also paid $118.69 to DD's hospital bill bringing it's total due this month 237.39-118.69= $118.70 which will be the last payment, Thank goodness!
Friday, January 25, 2008
Missing
Sorry I've been MIA lately... lots going on in our personal lives. I started back at school, I'm going two nights a week from 7:30-8:45 which gets me home around 9:05ish and then I immediately fall into bed to hopefully get enough sleep to start the next day.
We finally got paid yesterday and my retro-pay from the 16 hours last paycheck was on the check, but this is our bad check monthly and of course we're barely squeezing by even with the extra money. *sigh* Woe is me.
DH and I have been fighting a lot lately. We are struggling to communicate effectively. This is a big stressor for both of us.
And finally, at work I'm gearing up to be taking on a huge training experience with the telecom contact center and I'm going to be learning with them about half my workday starting next week. If everything goes well, and I like doing it, they plan on keeping me over there and I will receive a raise. I just don't know how much I'm going to like it, personally, I'd rather be a telecom analyst, but who knows, maybe I'll love it. And it's not like I'll be stuck there forever, I can always move later.
Hang in there with me, it's almost end of month and update time is coming faster than I'd like. But it'll be the first month seeing our poor Wii debt that hasn't even gotten a payment on it yet. (First payment is due Feb. 1st)
We finally got paid yesterday and my retro-pay from the 16 hours last paycheck was on the check, but this is our bad check monthly and of course we're barely squeezing by even with the extra money. *sigh* Woe is me.
DH and I have been fighting a lot lately. We are struggling to communicate effectively. This is a big stressor for both of us.
And finally, at work I'm gearing up to be taking on a huge training experience with the telecom contact center and I'm going to be learning with them about half my workday starting next week. If everything goes well, and I like doing it, they plan on keeping me over there and I will receive a raise. I just don't know how much I'm going to like it, personally, I'd rather be a telecom analyst, but who knows, maybe I'll love it. And it's not like I'll be stuck there forever, I can always move later.
Hang in there with me, it's almost end of month and update time is coming faster than I'd like. But it'll be the first month seeing our poor Wii debt that hasn't even gotten a payment on it yet. (First payment is due Feb. 1st)
Friday, January 18, 2008
Sweet!
I finally found out where to add the NetworthIQ info to my blog, so check it out... It makes me sad that we're negative (no shit shirlock eh? lol) , but someday we will be in the black! And I plan on staying there if I ever make it!
Hopefully I can find the time out of my oh-so-busy schedule to update the tracker once a month =D
Hopefully I can find the time out of my oh-so-busy schedule to update the tracker once a month =D
Tuesday, January 15, 2008
My Last Class for Associates =D
Looks like my class will be a go! It was assigned a teacher finally (still only 8 people) and I'm headed there tonight from 7:30-8:45... I really hope everything pans out.
I can't wait to say I have my associates and working on my bachelors =D Makes me grin just thinking about it.
Wish me luck!
I can't wait to say I have my associates and working on my bachelors =D Makes me grin just thinking about it.
Wish me luck!
Thursday, January 10, 2008
Some Blog Updates and Personal Updates
Like the new title? It took me FOREVER to come up with that, so you better congratulate me on my vast creativity lol =D
Well, my final class for my Associate's starts on Tuesday if there are enough people for the college to not drop it again... I think there's still 8 enrolled and I'm hoping that's enough. If it does get cancelled, I swear I'm just gonna try to Clep and move on. It's not worth it wasting my time waiting on one, single, stupid, night class. (Whew lots of adjectives lol)
Besides that, I'm trying to get the courage to ask my mom for some help... I'm hoping she'll offer again and then I can say "Well, my check was short this time..."
Well, my final class for my Associate's starts on Tuesday if there are enough people for the college to not drop it again... I think there's still 8 enrolled and I'm hoping that's enough. If it does get cancelled, I swear I'm just gonna try to Clep and move on. It's not worth it wasting my time waiting on one, single, stupid, night class. (Whew lots of adjectives lol)
Besides that, I'm trying to get the courage to ask my mom for some help... I'm hoping she'll offer again and then I can say "Well, my check was short this time..."
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