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Archive for May, 2018

2 more payments

May 31st, 2018 at 11:44 am

You guys...only 2 more payments and I will be done with my Bad Loan. After 2 more payments (06/08 and 06/22) I will have $244 more dollars a month.

Smile Smile Smile Smile Smile

September

May 30th, 2018 at 11:47 am

September is when I will be out of this hole. The "hole" being back in the black in my account. Of course my goal is sooner but if I don't do anything extra, it will be September. I will have money allowed for gas and food. I will have money for each credit card. I estimated low on my paychecks, just to add a cushion. If I work a full 40 hours, my check will be $50 more than I plan for. I try to always work 40, but lately with me being sick and my husband's injury I haven't always made it.

I found $7 in my paypal account today. I guess I got a payment from Ebates and didn't realize it. So I transferred that to my bank account. I also got 2 amazon gift cards - 1 for $10 and 1 - $5. The $10 one was for signing up for an Audible trial through Exxon Mobil Speedpass. And the $5 was from Saver Life where I won a scratch off prize. So that is $15 I can use toward something. Maybe dog food? Maybe Christmas? Something.

Car Accident

May 25th, 2018 at 06:51 am

Well, I was in an accident yesterday. I was rear ended at a stoplight. I'm sore today on top of being sick. But I'm ok. It wasn't my fault. And they have insurance. So still a lot to be thankful for.

I'm still going to do my orders this weekend so I will have that money coming in. But it may take me a little longer in the kitchen.

Enjoy the Memorial Day weekend. Hope its relaxing and frugal.

Cash coming in

May 24th, 2018 at 06:12 am

Ok here is what is coming in.

$200 order - spent $59.25 in materials
$20 order -
$36 order - spent $18.48 in materials for both orders

Sold 1 item for $8 and I am meeting someone today to sell another for $12.

So I should have $198.27. Not bad!!

$65 of that will have to go towards my dr's appt I had last night. Frown I hate that I am sick, but I am doing my best to power through. And I only went because I knew it would only get worse. So at least I am $133 in the right direction.

Side Note

May 22nd, 2018 at 11:55 am

I really hate these spammy responses that keep showing up on our blogs.

Trying to be smart

May 22nd, 2018 at 08:33 am

I have to go get supplies today on my lunch for my big order on Friday. I brought my lunch but there is no way that I can go to the store and eat my lunch in an hour. So I found a coupon I had for a free pretzel. I'll eat that while I am shopping. Yay for no spending.

I made burgers last night instead of pasta. But we do have leftovers so we will have those for dinner tonight. And I made my DH lunch for the next 2 days and I will eat my lunch from today tomorrow. So I just have to figure out Thursday and Friday.

Trying to make smart choices. Listed 3 things online today. Looking everyday for more things to list. Contemplating selling my favorite art piece. I think I could get $300-$400 for it. I just don't know if I can let it go without a lot of regret.

Some money

May 21st, 2018 at 12:10 pm

I did my side job on Friday and was able to deposit $50. I found $15 so that brought the total to $65. And I found the check I got for my razor rebate and that is $5.99. So I was able to depot $70.99 today. Not huge but its something. I still have my order this week. It pays $200, but I am allowing $60 for supplies. I'm hoping I can come in under budget. But even if I don't, $140 will be nice.

I have breakfast planned for the whole week. I brought my lunch today and I'm having the same thing tomorrow. I'm making pasta tonight for dinner, so I will be able to eat that for lunch on Wednesday. My lunch is some brown and wild rice with Kidney beans, kale, and some avocado. It was pretty filling and I had everything on hand, except the avocado. I paid $1.74 for 2 this morning with some change.

I'm still hoping to sell some items and continue the inflow of cash.

Standing in my truth

May 18th, 2018 at 08:23 am

Well, I have been putting it off because I didn't want to know the truth. I knew the last 3 weeks had been costly and today I know just how costly it was. At the end of the month I will be $1020.64 in the red. I know. Its flabbergasting. I can sit here and list all the excuses why it got that way, but that's it...they are just excuses. I am going to scrounge up $21.00 immediately so I am below 1K. I have a side job today that will pay $50. I have an order that I will make $140 on next Friday. And I am just going to start selling everything I can. $1. $5. Whatever I can make. Because I can't pay off debt until I get out of this hole. And I know we will have medical bills soon so I have to get a grip.

I haven't used my debit card since we agreed to not buy anything. I still have gas. We have food in our pantry and we have enough dog food for at least a week.

Counting down the days until this Bad loan is done. That will free up $244 a month. If I can get in the black, that $244 will make me feel rich.

Lyft?

May 16th, 2018 at 11:20 am

Anyone have thoughts on driving for Lyft? They tell me that I could make $124 driving 6 hours a week. Is it worth the wear and tear on my vehicle? Is it safe? I tried Instacart a while back, but it was a flop. Total waste of time.

Just looking at ways to make extra money. I can't ask for a raise right now. Still trying to find things to sell on letgo. I have $30 in baked item sales this week. But with hundreds of dollars needed, I need to find another option.

Speedpass and Leftovers

May 15th, 2018 at 06:38 am

Today I signed up for ExxonMobil Speedpass. I get gas at Exxon on my way to work. They are having a promotion where if you sign up for Speedpass you get 2 free months of Audible from Amazon and a $10 Amazon card. Plus $.10 off per gallon. Seems like a good deal for me. I put a reminder on my calendar to cancel the Audible account in a month so I don't get charged the monthly fee.

We had baked potatoes left from our Mother's Day dinner, so I made a ham and potato skillet kind of dinner and leftover cheddar bay biscuits we had. My DH loved it. And I told him about the decision to not go to the store unless its milk or dog food. He is on board...so we will see how we do.

Advice for real people

May 14th, 2018 at 01:18 pm

I have been reading lots of articles on the internet about getting out of debt and saving money. But I am wondering where the advice for real people is. (Besides SA) The advice is... travel less, reduce 401K contribution, change your bill dates. ??? Really. I guess if you are not struggling with debt and cash flow, these may be ok suggestions. I only contribute 1% to my 401K. And I do this because my employer matches and I would hate to miss that opportunity. I am definitely not traveling. And changing my due dates won't change anything for me.

Today I changed to paperless statements at Chase so I could get a $5 credit. I committed to only going to the store for milk and dog food. And I listed 2 things on letgo this morning. I have 2 small baking orders this week and am going to try to sell some items at a swap meet this weekend.

I dream of the day that I can go get a pedicure and know that I have the money to pay for it and I do not have credit card debt. I played around with numbers to see if I could see what it would take to get my debt paid off in 3 years, contribute to Savings and our business, and take 3 years off of our mortgage. I would need an extra $168.75 per week. Is that obtainable???

Learning

May 10th, 2018 at 08:15 am

I sure do enjoy reading everyone's blogs. I have been learning a lot and its great to get to know so many people with different stories.

I have been sick. Missed work yesterday because of constant throwing up. (Sorry for the detail.) Maybe stress or 24 hour bug...not sure. Today is better but not great. DH is still down. Hoping he feels better today.

I will try to update on finances when I get through payday and see where I am at.

Thanks again for the support, tips, and advice.

Anybody heard from CB in the City?

Update

May 7th, 2018 at 12:19 pm

I do not have any financial news. I am still not even sure where we are at right now. My planning and budget has been wiped out. I am hoping since my husband has finally turned a corner that I can try to sit down and reevaluate.

We have had 3 ER visits, a DR visit, 2 Chiropractor visits, multiple RXs, and multiple other expenses with medical. Our computer died at home, someone stole our fire pit, an employee quit at our business, a flat tire, and I have some family drama. Sigh. I am trying to deal with it all. Trying to keep everything afloat. I know that it could be worse and I can handle it.

I just want to order pizza and buy a giant Dr Pepper and veg out on the couch. But the plan is to cook something for dinner and work on laundry for a few minutes. But I do want to go to bed early. Hoping for a good week. Smile