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Archive for May, 2011

Its like hitting yourself with the bat as you hit a homerun

May 27th, 2011 at 02:25 pm

Was feeling EXCELLENT....
I went ahead and almost paid off all of Credit Card number 3. I have about $60.00 bucks left and I will pay that off next week. Awesome!
Brought our saving account up to over 3K. ( Yes, I know some people think I should use that money and pay off the debt, but that is not our plan for several different reasons.)
So....I'm swinging for the fences....knocking it out of the park....and BAM!



I live in DFW Texas and we were hit with some pretty bad weather. And we didn't think about it, but my husband was parked at one of the airports that got hit. Sooooo....we have to do an insurance claim on his truck. So I'm sure we will have to pay a deductible or pay for repairs or some sort of money costing something. So I feel like I hit myself with the bat as I hit that homerun. I don't know much about insurance or claims or how they work, so I don't know what to expect.

Extra cash and somewhat back on track

May 25th, 2011 at 06:35 pm

So...I have arranged to feed some animals for extra money. Miniature donkies, longhorn, and dogs. I have to do it for 4 days and I should make $200. I think I will have to pay an extra $100 in gas, but that still puts me ahead $100, plus who doesn't love spending time with miniature donkies. Smile I have stayed pretty much on budget and I think I have arranged my budget to keep me on track. And I think I might be pretty close to paying off a credit card if I can swing it. Won't that be nice?

So all and all its been a good week. My husband is coming home for a few days and my budget feels pretty good. Hope it stays like this for a little while.

New Numbers for Restart

May 20th, 2011 at 02:04 pm

I wasn't exaggerating when I said that I got off track. I used my credit cards, missed a credit card payment, my student loan payment didn't post, and I overspent. But I'm trying to recover. I am going to work a little extra this weekend to help come up with the LATE FEE I received on my credit card and to hopefully help me pay on my credit cards some more.
So here they are..... WAS/NOW

CC 1 - $773.83/$801.00
CC 2 - $580.76/$587.91
CC 3 - $269.20/$277.00
STUDENT LOAN - $4061.62/$4061.62 (PMT STILL NEEDS TO POST)

CURRENT SAVINGS - $2651.34/$2875.00
RETIREMENT PLAN - $265.75/$334.18
EXTRA ACCOUNT - $13.00

I know its not huge, but when I started this blog I had ZERO in a retirement plan and now I am up to $334.18. Once I get my budget set and working, I can finally up my percentage and save even more. That's my small thing for today. That actually made me feel a little proud.

Clean Slate...Cross your fingers everyone

May 13th, 2011 at 05:06 pm

First of all...thank you to everyone that commented yesterday. I felt much better after seeing that I am not alone.

Today IS a new day. So I am going to accept my "mistakes and mishaps" that I've made the last few weeks and start over today. My budget and my slate are getting a bath. Smile

I am going to look at my budget again and make some adjustments. Today is payday so I am going to stick to the budget I set. And I am going to wash the slate clean. If I beat myself up about making mistakes it may keep me from learning from them.

So today starts my DO-OVER!

Overwhelmed

May 12th, 2011 at 07:45 pm

I am very overwhelmed this month...and we aren't even half way through. I feel so motivated to do well....yet I have managed to get so far off track. I am so inspired by the wonderful people on this site...yet I feel like I don't belong.

I know it takes time to learn new habits. And I know that the decision to do better has to count for something.

So....do I just count May out and consider it a flop and start over in June?

Unexpected Expenses

May 10th, 2011 at 03:50 pm

I just got back from St Louis....an unexpected trip. I had not budgeted for May any room for such things as: AA Baggage fees, multiple meals out, extra flight fees, etc. So I have all but blown my budget for the month...and its only the 10th. How do I recover? I do plan to work extra this week, so I will be paid for that next Friday. But this has gotten me way off track.