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Oh SA...I've made a mess.

September 25th, 2015 at 07:45 pm

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.

Well...its been a while

July 29th, 2014 at 06:44 pm

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.

CC #3 is even lower! And I blew my budget

May 27th, 2014 at 04:46 pm

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.

CC, Grocery Store, and Garden

May 21st, 2014 at 05:33 pm

Ok. CC #2 is down to $372.25. CC #3 is down to 96.33! Eek!! I am so close. I got a check from Ebates for $9.89. I will put that towards #3. I told my sister that I would house/pet sit for her. For free. Because I owe that much to her. If for some chance she does pay me anything, I will use it towards gas and CC #3. But....I am not planning on that.


I am planning on grocery shopping tomorrow. We have food still....but its hard to make a whole meal. But we do need things like milk, water, etc. The water in our area is horrible. Nobody drinks it. At one point it had more chlorine than our pool! For real!


But that leads to my garden info. We moved the garden a couple of weeks ago and I planted everything. So far I have broccoli, radishes, lettuce, green beans, snap peas, carrots, watermelon, cantaloupe, zuchinni, and something else I can't remember, all sprouting. Our peach trees are also producing fruit this year. I am so excited! OOOHHH...and tomatoes. Smile But if we can get any products from these plants I will be sooo happy. And that is less groceries to buy. We moved the fencing and I used popcicle sticks as markers. So I am only out $7.00 for repellant and the cost of seeds. Less than $20 probably.

September 26th can't come soon enough

May 7th, 2014 at 06:38 pm

My debt right now is:
2 credit cards
1 student loan
1 personal loan (which I never put on here)
1 mortgage

My personal loan will be paid off by 08/22
CC #3 will be paid off by 09/05
CC #2 will be paid off by 09/26

September 26th is going to be a great day!!!

Of course, this is just with what I have planned. Wouldn't be great if I could swiggle some extra from somewhere and pay it off sooner?

Goodbye CC #1!!!

May 2nd, 2014 at 05:21 pm

Finally....I paid off CC #1 today. So happy. Still have 2 cards left and my student loan...but this is a victory.

I also paid on my other cards and I will be able to make an extra payment in 2 weeks.

Hooray! Smile

Grocery Store Success and CC #1 Payoff next week

April 24th, 2014 at 04:10 pm

Well, my shopping went well. I had $114 I could spend. And on this trip I had to buy household products like TP and paper plates. But after coupons and adding a couple of extra items, I only spent $84.50. So I will put $25.00 back in my Grocery Jar. If I can continue to stay under, I will use that money towards debt. But for right now, I'm just going to keep it in the jar.


Next payday I will be able to pay off cc #1. And by 05/16 CC #3 will be under $100! Still sticking to my goal to have all CC debt paid off by September. That thought makes me soooooo happy.

Feeling Pretty Good

April 17th, 2014 at 04:00 pm

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. Smile


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.

2 weeks worth of updates

April 10th, 2014 at 06:16 pm

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. Smile

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. Smile Plus the tires. Plus:
DVDS to watch with DH at home
2 - $25 Target GC
Pair of shoes
Necklace
Solar Lights for yard
Door Mat
Bath Salts
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.

No changes but a possible new loan.

January 24th, 2014 at 09:33 pm

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.

Not off to a good start this week.....

January 21st, 2014 at 09:46 pm

Well I hate to come on here and vent, but jeez. Water heater went out last night. We had to buy one today...$350 after we got a discount. Husband's car is still out of commission. We have had to shell out some cash on that. I had to go to the dentist today. They couldn't find anything wrong with the tooth that was hurting.....but surprise...I need a root canal. Frown On a totally different tooth that I didn't even know I had a problem with. And I have a funeral Thursday. We lost a coworker. Its really sad, but what can you do.


Savings is a little depleted. I feel a little defeated. But I'm still trying.

Electric bill shocker and what's with the ads?

January 10th, 2014 at 07:59 pm

Well, I just got our electric bill. YOWZERS! I thought we were being good....I was wrong. That ice storm really killed us. Our bill is $61.00 more than our budgeted amount. I have enough cushion in our household account for the difference, but I was hoping for it to go the other way this month. I need to find us some cost cutting actions this month!!


And I am the only one getting weird ads on the SA homepage? I had an ad with half naked cartoon girls???? What the heck does that have to do with debt and savings and such??

2014....Finally

January 2nd, 2014 at 08:46 pm

I am very excited to start a new year. I stretched myself a little too thin financially while my family was in town, but I can recover. I have 6 "goals" for 2014.


*** I know its not much, but I want to put 1K in Savings from my payroll alone. Of course I want to do more, but that is a starting point.
*** Pay off my credit cards by September
*** Pay off my personal loan by Septermber
*** Find new home insurance. Ours went up and I am disappointed in the company.
*** Coupon as much as possible
*** THINK. Think before I buy. Think before I speak. Think before I plan. THINK.


Can't wait to see what everyone else has planned.
HAPPY NEW YEAR!