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.
Viewing the 'Budgeting' Category
I disappeared from SA again. I have been gone several months and I am returning in worse shape.
And when I mean spend, I mean no money coming out of my account. But here is my question. If you have something budgeted, IE: cell phone bill, groceries, etc, and you take care of those, is that considered spending? If I don't buy anything all day, but I pay my mortgage, did I NOT have a NSD? I wouldn't think that would count. But I thought I would survey the masses.
I did spend $2.00 that I had today on crappy Taco Bell. My husband and I have been on a diet, and so this Taco Bell made me feel horrible. Actually made me physically sick to my stomach. Guess I should have grabbed my lunch today. But our schedule got a little thrown off.
Today is a no spend day. I went to the grocery store last night. DH and I are starting a diet, so I shouldn't need to buy anything. Hopefully the next couple of days will be NSDs.
Finances are not that exciting right now. My budget has been a little off. Amounts are different than what I expected. But hopefully I can even it out on Friday.
Well, its payday. I already paid what was coming due and made credit card payments. So now I just need to creep though this next week. I don't have anything to spend anyway . But at least I am chugging along.
My CC #3 is finally under $200 again. That feels nice. And I received my checking account bonus of $100. We have to pay for both dogs to be fixed...so it will be about $450. I was going to use it towards that since I came up with the headstone money and we have to have the "fixing" done by the end of September. (Part of adopting a shelter dog.) I will have to go to the grocery store this coming week. But I'm hoping to keep it low.
After my checks, an Alflac check, coupon savings, and lots of change counting....we came up with the money for our portion on my brother's headstone. LAST NIGHT! Its such a relief. Not only the relief of knowing that my brother will have the headstone he deserves, but the relief of knowing we didn't take it from savings and I didn't have to reduce my debt repayments.
Thanks for all the well wishes and money saving ideas.
$330 is what I need to come up with. I really can't take it from savings. It would completely deplete us. So I have about a week to come up with it. That should be really difficult. I have a $10.00 check from the city. I have a small check coming from Ebates....maybe about $13-$15. I am going to try to cut our grocery bill and use as many coupons as possible. So that may add up to $50 all together?? Where does the other $280 come from? Not pay down my debt? I have to pay something. And even if I reduce the payments, it won't add a whole lot. Maybe an extra $70? And then I will still have to come up with that to reach my goal of paying everything off by September. We had a garage sale, so I don't have a lot of extra stuff to sell. I can count change. I can't change insurance right now. We are in a rural area, so our utilities have to be specific companies. I'm running out of ideas. I'm salary, so no overtime at work. Our only entertainment portion of the budget is $20 for eating out...and I already got rid of that for 2 weeks to help with my budget. Any thoughts?
I was embarassed. I felt like I was failing. So I had to step away from the blog for a little bit. Truth is, I had to get out of the mindset I was in. I was continuing to spend money. Even after knowing that I didn't like what it was doing. Then, family came into town...and I spent more. Not good. But, I can't hide from it. I feel out of control when I am spending with no regard. I don't like having debt. And the last few days I have just been thinking... "Are you really ready to get rid of this debt?" "Are you ready to commit and knock it out?" Do you realize how much better you will feel without debt? And it will free up part of your budget!" And the answer is "Yes!" I want to be debt free. And I can make sacrifices to get there. Because it will be so much better in the end.
So I am refocused on the "jars" and working with cash. I have looked at my budget and made myself realize....this is what you have to work with. And its possible.
I am still going to have all of my credit cards and the personal loan paid off by the end of September. That is still within my original goal. My husband and I are looking at a couple of ways to possibly make a little extra money. We are also really considering paying me for my work with our personal business. We are thinking $50/week. It would be nice.
So...that's it. I'm here.
Ok. I really am trying to turn things around. This week will be rough, but I guess it is just part of financial recovery. I have gone though my budget and changed what I could. With my adjustments, I should still have all my credit cards and the personal loan paid off by the end of September. Which basically was my goal. To have everything paid off by September. My grocery budget is modest to say the least this week. And it has to last 2 weeks. But, I will make it work. We have eaten out of the garden twice. I have had awesome Radishes, Italian parsley, snap peas, and green beans. Hopefully I will have some more things coming to supplement our lack of grocery budget.
I am trying to just work my way out of this. I am going through a strange nesting, life organizing, spending phase. But I am trying to get it under control. I have a goal of where I would like things to be by Friday. Kind of like my own holiday. Refocusing towards financial "freedom." Realizing how badly I truly want it. And how spending money did not make me feel "better."
CC #3 is now down to $51.53. We go a small refund check from our insurance company, so I applied it to CC #3. Pretty exciting.
But...at the same time that I am making progress on my debt, I totally blew my budget. I have overspent by $75 and I still have to make a purchase of $60 that I did not budget for. Pretty much an epic fail. I am actually not even sure how to recover from it. Not pay extra on my mortgage? Its disappointing. Because nothing I bought was a need. I guess I am still headed in the right direction. I just need to focus.
Side note...I didn't come out ahead house sitting. Gas cost more than I thought. I also made more trips than I thought. But at least that insurance check helped knock out what I wanted to pay with the cash.
My money flow feels pretty good right now. We filed and paid our taxes...on time. And I had the money set aside to pay them. My CC #1 will be paid off in the next couple of weeks. I was able to transfer $100 into our savings (Payback from our business). I have money ready for our mortgage payment and we are paying extra. I have money set aside for our pest control for the quarter and my sister's birthday. And at the end of it all...I will have a little money left in the bank and a little in my wallet.
I still haven't counted my change. It has just been very hectic in my world lately. But I still intend to count and send some to CC #1. Even if its $20...I could knock it out quicker.
I have been cutting lots of coupons, preparing for my shopping trip next week. And amazingly, we still have food left. I plan to go to the store on Wednesday...so we will see what we go through between now and then.
First....the Garage Sale. It was a lot of work, but it was a modest success and we got rid of a lot of stuff. And we gave our leftovers to my stepdaughter so she can have a garage sale. Needless to say, I didn't make even close to enough to pay for tires...but..
My birthday was Friday. And my sister gave me money to buy my tires. So along with our garage sale money and the gift, I was able to buy tires. No, I didn't have any left to put towards debt. But I think I am going to count change and see if I can come up with some. My CC#1 is down to $53.88! I can almost taste the payoff.
I am trying to clear out our fridge and pantry. I went to the grocery store and spent $60 for 2 weeks. I have $20 to carry over and $80 in 2 weeks, so I will have $100 to spend. But, I am going to use as many coupons and deals as possible so I don't have to spend the full $100.
I have seedlings almost ready to go in the garden. I have ideas this year to prevent a total wipe out from Bunnies again. But if I could get our produce from the garden instead of the store, we could save some serious cash!
Going back to my birthday... it was great. I got several free meals. Plus the tires. Plus:
DVDS to watch with DH at home
2 - $25 Target GC
Pair of shoes
Solar Lights for yard
So I got a pretty good haul. I am a lucky girl.
I'll let you know how much change I come up with tonight.
I originally had planned on paying off CC #2 because it has an annual fee....and I really didn't want to pay $79. Well, I didn't pay it off. And now I am stuck paying the $79. So, I am disappointed that it didn't happen. On a brighter note, CC #1 is down to $77. CC #3 is down to $184. I should still be able to pay it all off by September. That thought is what keeps me going. It will feel so nice to be done with CC debt. I just have to keep trying.
I plan on trying to have a garage sale at the end of the month. I have quite a bit of stuff. Plus I still need to go through stuff. I just feel so busy. Sometimes I just want to do.... "nothing." But I am trying to be positive and stay grateful. My $730.60 in credit card debt is less than a lot of people's. Maybe I can use some garage sale money to knock it out even faster.
I have been gone from here for over a month. I found myself overwhelmed with everything (job, loss of brother and dog and 2 friends, life, disappointment in myself). I wasn't thinking about money, and when I looked on SA....I found myself dwelling on everything I wasn't doing "right." As much as I would love to say "I'm back and with a vengeance" - I can't. But I am back. And I am still trying.
My sidebar is updated with my most current numbers. I am looking at more ways to cut some costs. I am working on taxes right now...which is not fun. And I guess with a business, we will never get a refund again. Yes, we got a car loan. But the cash flow in and out of the household is not affected. We raised my husband's income some and we no longer have a child support payment, so that is replacing child support.
I got a couple of snowflakes today. $25.02 in total. I sent $20 to CC #3. And kept the $5.02. I also had an extra $15, so I sent it to CC #2. I think I can still have my cards paid off by September if I stick to my plan.
Its good to be back.
I don't have much to report. I went to lunch today. Thought that I left my debit card at work, so I had to use a credit card. Only to realize when I got back to work that my card was at the bottom of my purse. Grrr! So I went online and made a payment to my credit card to cover the cost of the lunch plus a few cents.
There is not much going on financially. Got paid today and everything is set to go out.
Oh, and husband needs a car. Truck is not driveable. Too cold to ride the motorcycle. He is driving another moving type truck we have but the gas is killing us. Our bank is offering us 3.7%. So we are going to see what we can do.