$12737.
I just keep focusing on the fact that by this time next year, all my credit card debt should be gone.
As well as my car loan.
Then I can kill Sallie Mae and her two ugly sisters.
Then I can get a bigger house.
Then my life can begin ;)
Yes, it's a pity party sort of day.
Trying to get my thoughts for the week together, and this is my virtual menu plan to do list.
Monday: Cheesy Chicken Casserole/Fattening, good, and I need to use up shredded cheese.
Tuesday: Spaghetti &Meatballs
Wednesday: Chicken for the lazy, roasted veggies.
Thursday: Rice, leftover chicken, broccoli
Friday: Leftovers (just me, most likely)
Saturday: Beef &Broccoli stir fry
I really need to get some other kinds of meat, but I have a deep freezer bursting with chicken, so chicken it often is.
Salads served with the above, as well as Rainman's special foods.
I also need to make blueberry muffins, apple bakes, and some cinnamon raisin bread for snacks.
Oh man, the diet for Mommy will be fun this week.
Showing posts with label Debt sucks. Show all posts
Showing posts with label Debt sucks. Show all posts
Monday, September 19, 2011
Friday, February 18, 2011
Money Musings
It's a marathon, not a race.
My mantra this month.
The one lesson I've learned in paying down credit card debt is that it is so much more than just paying the balance.
I throw money at it, and then interest kicks in, then it makes my payment halved, then I throw more at it, and it seems that the balance is getting smaller at less than a snail's pace.
Contrast this to how fast my money grows in savings (adding small amounts on auto-pilot equals a happy squeal when I do check the balance) and it makes me alternately mad at getting myself in debt, mixed with renewed determination to finally get it all paid off.
Add this to the uncertainty of payment from a formerly great source of revenue that has been slowly dying due to bad business decisions on the part of the owner, and the need to be debt free so that I am at no one's mercy (credit card lenders, student loan creditors, banks) is heavy on my mind.
On the upside, just got off the phone with the IRS, and will be getting a small check and a nice credit for overpayment.
Yes!
I know that I am making progress, if only because I'm not adding debt, and my credit card debt isn't my only debt, as I am making progress on my mortgage, student loans, car loan, etc.
And there's no way around it, four teenagers in a HCOL area equals big expenses.
Just keep swimming.
Credit Card: $15,535.
My mantra this month.
The one lesson I've learned in paying down credit card debt is that it is so much more than just paying the balance.
I throw money at it, and then interest kicks in, then it makes my payment halved, then I throw more at it, and it seems that the balance is getting smaller at less than a snail's pace.
Contrast this to how fast my money grows in savings (adding small amounts on auto-pilot equals a happy squeal when I do check the balance) and it makes me alternately mad at getting myself in debt, mixed with renewed determination to finally get it all paid off.
Add this to the uncertainty of payment from a formerly great source of revenue that has been slowly dying due to bad business decisions on the part of the owner, and the need to be debt free so that I am at no one's mercy (credit card lenders, student loan creditors, banks) is heavy on my mind.
On the upside, just got off the phone with the IRS, and will be getting a small check and a nice credit for overpayment.
Yes!
I know that I am making progress, if only because I'm not adding debt, and my credit card debt isn't my only debt, as I am making progress on my mortgage, student loans, car loan, etc.
And there's no way around it, four teenagers in a HCOL area equals big expenses.
Just keep swimming.
Credit Card: $15,535.
Wednesday, February 2, 2011
Christmas 2011 Challenge
What can I say?
I love challenges!
Sharon posted that she's joining Penny from The Saved Quarter Challenge in making a goal for Christmas, as well as gifts through the year.
I was a little hesitant to join in, because Penny had a $100 goal, and that would set me up for failure (she has littles, I have older teens).
My goal is $1000 total.
I am hoping to shave my out of pocket cash by utilizing swagbucks, and deals.
And, to pick up gifts through the year, on sale.
This is fun, and so much better than going insane at the end of the year during Christmas madness.
I love challenges!
Sharon posted that she's joining Penny from The Saved Quarter Challenge in making a goal for Christmas, as well as gifts through the year.
I was a little hesitant to join in, because Penny had a $100 goal, and that would set me up for failure (she has littles, I have older teens).
My goal is $1000 total.
I am hoping to shave my out of pocket cash by utilizing swagbucks, and deals.
And, to pick up gifts through the year, on sale.
This is fun, and so much better than going insane at the end of the year during Christmas madness.
Monday, January 31, 2011
The Saved Quarter Challenge Monthly Update
Hello to all my fellow Saved Quarter Challenge getting out of debt peeps.
My goal is to get on autopilot with my savings and debt repayment.
Oddly, the savings part is coming easier than the debt repayment part.
Transferred $100 to my IRA, and will deposit Bathboy's $45 paycheck (I cash it for him, giving him half and putting the other half into a savings account for him, then deposit the paper check for myself) into my semi Xmas fund.
I only put $300 toward credit card debt (this week), and increased the total owed after paying my IRS screw up from last year.
Overall, this is how it looks for the first month of The Saved Quarter Challenge:
Started January with $16,600.
Now $15,711.
Credit Score was 671.
Now 678.
$300 toward retirement.
$200 toward Xmas fund.
Overall, this month was ok, and would have been great if not for the IRS mix up.
I need to keep my eyes on eliminating the credit card debt, as once that's gone, so much cash flow will be freed up.
Anyone else rocking The Saved Quarter Challenge?
Great Blog: Gail Vaz Oxlade
My goal is to get on autopilot with my savings and debt repayment.
Oddly, the savings part is coming easier than the debt repayment part.
Transferred $100 to my IRA, and will deposit Bathboy's $45 paycheck (I cash it for him, giving him half and putting the other half into a savings account for him, then deposit the paper check for myself) into my semi Xmas fund.
I only put $300 toward credit card debt (this week), and increased the total owed after paying my IRS screw up from last year.
Overall, this is how it looks for the first month of The Saved Quarter Challenge:
Started January with $16,600.
Now $15,711.
Credit Score was 671.
Now 678.
$300 toward retirement.
$200 toward Xmas fund.
Overall, this month was ok, and would have been great if not for the IRS mix up.
I need to keep my eyes on eliminating the credit card debt, as once that's gone, so much cash flow will be freed up.
Anyone else rocking The Saved Quarter Challenge?
Great Blog: Gail Vaz Oxlade
Wednesday, January 26, 2011
IRS
Finally, they took my payment.
Confirmation of Payment
Confirmation of Payment
Below is your confirmation for this payment. Please print this page using your browser's print function.
Be sure to write down your confirmation number for future reference.
 | Confirmation Information |  | ||||||||||||||
| ||||||||||||||||
Now, to pay it off :)
Friday, January 21, 2011
Debt Progess
Just keep swimming, just keep swimming.
I find myself saying that quite often, these days.
Especially like today, snow day, stay home from school day for everyone but Rainman, who wants to simply drive for hours to stave off the no school tantrum.
I really have no idea how he's going to handle not going to school every day when he ages out in three years.
Got a surprise child support payment (my younger two's father rarely pays child support), and put that toward Visa.
Not a great week income wise, but that's where the swimming part comes in.
Paid myself $100 into E*Trade first thing ( as suggested by Penny at The Saved Quarter Challenge) and while it's not painless, it's the only way I save.
Going to bite the bullet, and as Grace at Thrifty Cheapskate suggested, just pay state taxes and use the mistaken federal tax payment towards 2010 federal.
This sucks, because it's $1400, and since it's not planned for/budgeted, there's really nowhere to take it from, so will put it on Visa.
And I was getting so close to snowballing the Visa debt off.
Other random bills:cell, student loan, and DunkinDonuts recharge (don't judge me, keeps me sane).
Credit Card Debt: $14,339.
I find myself saying that quite often, these days.
Especially like today, snow day, stay home from school day for everyone but Rainman, who wants to simply drive for hours to stave off the no school tantrum.
I really have no idea how he's going to handle not going to school every day when he ages out in three years.
Got a surprise child support payment (my younger two's father rarely pays child support), and put that toward Visa.
Not a great week income wise, but that's where the swimming part comes in.
Paid myself $100 into E*Trade first thing ( as suggested by Penny at The Saved Quarter Challenge) and while it's not painless, it's the only way I save.
Going to bite the bullet, and as Grace at Thrifty Cheapskate suggested, just pay state taxes and use the mistaken federal tax payment towards 2010 federal.
This sucks, because it's $1400, and since it's not planned for/budgeted, there's really nowhere to take it from, so will put it on Visa.
And I was getting so close to snowballing the Visa debt off.
Other random bills:cell, student loan, and DunkinDonuts recharge (don't judge me, keeps me sane).
Credit Card Debt: $14,339.
Friday, January 7, 2011
Saved Quarter Challenge First Week.
Still waiting on some deposits, which were supposed to come today but nothing as of yet.
Out of the one that did come, paid health insurance and my Saved Quarter Challenge Goal.
I need a new printer (after Rainman did the Hulk Smash on my other one), and will try to pick one up this weekend.
Other planned spending will be jeans/sweatpants for Bathboy, who desperately needs longer ones (teen age growth spurts kill me), and cashing his paycheck, which I will then deposit into my Credit Union Savings Account for next Xmas (only $45 from his one shift a week, but my plan is to use it for Xmas/birthday gifts over the year).
Saved Quarter Challenge: $400/$400 done.
Off to a great start!
Out of the one that did come, paid health insurance and my Saved Quarter Challenge Goal.
I need a new printer (after Rainman did the Hulk Smash on my other one), and will try to pick one up this weekend.
Other planned spending will be jeans/sweatpants for Bathboy, who desperately needs longer ones (teen age growth spurts kill me), and cashing his paycheck, which I will then deposit into my Credit Union Savings Account for next Xmas (only $45 from his one shift a week, but my plan is to use it for Xmas/birthday gifts over the year).
Saved Quarter Challenge: $400/$400 done.
Off to a great start!
Monday, January 3, 2011
Saved Quarter Challenge
The Saved Quarter has a great challenge up.
1.Determine your objective.
My objective is financially, erase CC debt, and personally, lose a substantial amount of weight.
To erase it in one year, I need to channel roughly $400. per week toward CC debt.
Ouch.
Weight wise, I'm aiming for two pounds a week, but will be ok with one pound per week.
For that, I need a 1k per day calorie deficient.
That's really not too bad.
2. Specific, measurable goals.
Above and beyond my other bills, I need to channel $400 weekly toward debt.
(Duh)
For the 1k daily deficient, daily walk or DVD along with cutting calories as tracked by my BodyMedia.
3. List ways to make or save money toward goal.
For January, do a freezer challenge.
Still buying fruits and veggies, but eating through my huge chest freezer.
Bake from scratch.
Aim for $100 week food goal.
Overhaul P Affs, N accounts, goal 100 b's per week.
Off to market my little heart out!
1.Determine your objective.
My objective is financially, erase CC debt, and personally, lose a substantial amount of weight.
To erase it in one year, I need to channel roughly $400. per week toward CC debt.
Ouch.
Weight wise, I'm aiming for two pounds a week, but will be ok with one pound per week.
For that, I need a 1k per day calorie deficient.
That's really not too bad.
2. Specific, measurable goals.
Above and beyond my other bills, I need to channel $400 weekly toward debt.
(Duh)
For the 1k daily deficient, daily walk or DVD along with cutting calories as tracked by my BodyMedia.
3. List ways to make or save money toward goal.
For January, do a freezer challenge.
Still buying fruits and veggies, but eating through my huge chest freezer.
Bake from scratch.
Aim for $100 week food goal.
Overhaul P Affs, N accounts, goal 100 b's per week.
Off to market my little heart out!
Friday, August 7, 2009
Payday
IRS 3300
Car 300 Goal 500
SL's 900/900 done
Cc's min 700 Goal 2000/1220. done
Dentist min 300
Mortgage Sept Goal 1300
Car 300 Goal 500
SL's 900/900 done
Cc's min 700 Goal 2000/1220. done
Dentist min 300
Mortgage Sept Goal 1300
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