I looked at my pantry and fridge last night. Its full. I will have to go get some basic things - milk, bread, etc, but I shouldn't have to get much. I remembered that I had entered some receipts into Walmart's Savingscatcher. So I have a e-gift card that I can use. $13.95. So maybe I won't have to spend much at all.
I disappeared from SA again. I have been gone several months and I am returning in worse shape.
I'm not going to bore you with the details, but I will update my numbers.
To make matters worse, I will technically be 190.07 in the red after I get paid on Thursday. I will not be out of the red until 01/22. I have $200 in the account that I am holding for an expense. So as long as I don't take that out, I won't physically go in the red.
The good news, nothing is behind.
I do not have anything I can return. I have $20 in cash that I have already figured in. I am have really reduced everything I can for now.
The last few days have been hard. I have really not felt well. Luckily today I am starting to feel like a real person again. I'm not well but at least I feel better. Good news is that I haven't spent any money because I haven't gone or done anything except a half day at work. I did come to work today but no spending.
I haven't done anything at the house. My husband is keeping his distance so he doesn't get sick. So the sink is full of dishes and I have stuff all around my bed. Hopefully I am well enough by Saturday to get some stuff done.
I got sick Sunday night/ Monday Morning. By 6:00AM Monday I knew I had to go to the dr. Ear and throat infection. Copay and $38 in RX went on Cap 1.
I am overspending....not sticking to my budget. This Friday when I get paid, if I were to pay everything I would be $218.74 in the RED. Some of this is money to put back for Christmas, so I obviously won't go negative, but if you are looking at the numbers, I'm in bad shape. And some things I am accounting for now even though they are due in a few weeks.
Here is how it will look on 10/02:
Cell phones -220
Tire Money -200
Husband's Birthday -80
Gas for Car -60
Electric -285 (Hoping for less - keep extra for other months)
Dish -100 (Should be less)
Student Loan -65
Payback to another account -20.00
Car Insurance -193.08
Hold for Mortgage -150.
Hold for Car Payment -65
Loan from Business -25
Like I said the Christmas Money and Tire Money don't have to move now, so I won't go negative. But it will take me until my 10/23 payday to catch up.
Yes, I had all my credit cards paid off. I had no car payment. I only had my student loan and mortgage. And then everything changed. I have done some damage and now I have to deal with it. Some of it was emotional. Some was necessity. Some was nesting. Some was social. Some was medical. But debt is debt. And now I am in it.....again.
Be prepared to see the mess I have made on the side bar.
I also had to borrow $150 from our business to get my account right.
The only way I know to make it better is to blast it on here and make a plan.
I'm doing the walk of shame.
Things have changed in the last few weeks. My last payment back to us for my credit card payoff is this week. I got a raise at work. And I bought a car. :|
The car thing is scary (but exciting). I haven't had a payment in YEARS! My last car I paid cash for. But, since I do not have credit card debt, I am applying my weekly salary from our business to pay for most of the car. The rest I have worked into my budget. I am going to go through and rework the budget and change some things. I still want to cut some expenses and plan for more unexpected things. Also, I want to build our savings. I also don't want to calculate the raise into the budget. I would love for that to just be a cushion.
I am going to the grocery store today. I want to eat as much from our freezer and pantry as possible, but we do need produce and some meat. My budgeted amount is $80 (for 2 weeks worth of groceries) and I hope to not spend anywhere close to that.
Hope the world of SA isn't disappointed that I bought a car. It really was time, I promise.
I paid off my last credit card today. But, I still owe the money. I took a "loan" from our tax savings account and paid it off. I was tired of looking at it. I didn't want any more interest, so I just did it. I'll have us back paid back in a few weeks. So, although I still technically owe it, it still feels good. It will feel even better in a few weeks when its really done.
I paid off the Discover Card today! Yeah! So as far as credit card debt, I have CC #2. It has $491 left on it. Ugh... Part of that is the unclaimed property paperwork, which both siblings said they will help with. I have $250 to put towards it in the next 3 weeks. It could be $300. So I still have to come up with the rest. I really wish I could come up with it in 3 weeks and be done. I still have some change I can count and maybe some other things I could do. I really want to be done with it. I will then just have my student loan @ $1603.41 and our Mortgage.
Well, first the Discover Card. I plan on paying it off tomorrow. I think I can come up with enough. That will only leave the dreaded CC #2. Ugh...its going to be the death of me. But I will be paying something towards it tomorrow too.
Now...unclaimed property. This has been a pain! I am grateful for it, but man...its hard. I found out my deceased father had some unclaimed property. So I am claiming it and splitting it with my sisters. Unfortunately, they are making it really difficult for me to get the paperwork I need to prove my brother is also deceased. But, I'm just going to keep working on it. Its costing me money right now with having to buy death certificates and verification letters, but my other siblings are going to chip in. In the end, if everything works out, I could walk away with around $800.
Not a lot to say....but Credit Card #3 is paid off! I still have CC #2 and the husband's Discover. But the Discover should be paid off in about 2 weeks. I still have to come up with extra money for CC #2. The extra $200 I charged is killing me.
My last post said "Lord willing and the creek don't rise" I would have all my cc debt paid off by then end of this month. Well, the creek rose. I had to go to the dr on Friday and I ending up charging $200 to my credit card between copays and medicines...because I didn't have the cash flow to cover it. So Friday was a bad day.
I am going to try my darndest to come up with $200. Count some change. See if I can do an Aflac claim. Whatever I can come up with. I have gotten this close, I just can't go backwards.
I'm looking at 4 weeks. In 4 weeks I could finally have all of the credit cards paid off...including my husband's Discover. Here is what I have left:
CC #1 - 0.00
CC #2 - 328.20
CC #3 - 56.39
Discover - 221.38
With the plan I have, they should all be paid off on 06/26. As an older coworker of mine used to say "Lord willing and the creek don't rise." Let's hope I can make it happen.
I made a little more progress, but I need another $300 to reach my goal. I don't think it will happen, but at least I am getting closer. I've updated my sidebar.
Ready for a long weekend with hopefully little money spent!
I am trying to stay focused. I have updated my numbers. I just want to be out of this cc debt!! I think I am making progress.
Isn't that horrible? SA used to be a place that I loved to be. But sometimes it all just gets overwhelming. Over 2 months, my numbers have changed. They are better than they were last month. But they are not overall better. They actually got way worse 2 months ago. And for about a month....I didn't care. But I am feeling better about it now. I am taking in an extra $200 dollars a month now. So with a new plan in hand I am going to aim towards getting rid of this credit card debt...including my husband's Discover card. So I am adding it to the list. We are both working towards that one.
Looks like a lot has happened in the last 2 months on here. I'm glad to be back.
Numbers are updated.
I feel like I am just floating. I have general thoughts and plans, and I work towards everything...but kind of half heartedly. So, I'm regrouping. I have taken 4 days off from work. With the weekend, that give me 6 days. 6 days to look and work on things. My only goal is to feel like I am more grounded instead of floating around. I need to look at things more positively and less harshly. And allow myself to feel good about what I'm doing.
Soooo....I'll be back in 6 days to let you all know how it went. I'm hoping for 6 productive, fulfilling, and somewhat relaxing days.
Not a whole lot is happening. The trip was nice. We spent about $300, including gas and our hotel. We put it all on my husband's Discover card. We will earn 5% back on all the fuel purchases and we will pay it from our business.
I am taking a few days off from work in the coming week. Going to use the time to work on my house, taxes, finances, and get ready for a garage sale in March.
Should be ending the week in the black. Everything is paid. Money is going towards debt. And I set aside a little bit for Valentine's Day. We got engaged on Valentine's Day, so its special to me.
Well, I went through my checkbook after I returned the jeans. I am short $27.17. If I come up with that, I won't need to change anything else and I will still be able to pay towards my debt. I'm sure I can do that.
We have a trip planned this weekend. Just an overnight. The expenses will be covered by our business but I still want to spend as little as possible.
Let's hope I can stay on track.