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Yes, Im here again...

May 17th, 2018 at 05:17 pm

I started following Stacey Flowers on Youtube and she has inspired me to get my act together. Unfortunately the past few years my income/personal finances have not been good.

She is a follower of Dave Ramsey. So I just recently joined the Dave Ramsey FB Group. I plan to follow the Dave Ramsey Baby Steps.

Here is where I am at right now:
0 Savings
$4078 in Debt
0 Retirement
0 Emergency Fund

Money Goals:
0 Debt
$1000 Emergency Fund
Retirement and Savings

I just started working again as well (2nd job). My current employment I do not make that much ($100/month) but covers my housing/utilities.

My teen daughter is staying with a relative and I want to make it a point to send her money (the relative) for taking her in.

I have been keeping a google sheets of my budget/expenses. I also just started using Dave Ramsey Budget Software as well (Free).

Also Im a paranoid person and would love to know how to download my blog entries from when I was blogging here more frequently. I have over 600 entries.

Thanks for reading


How do I download my blog entries?

May 17th, 2018 at 04:33 pm

I have checked settings and nothing there and when I try to update my settings, nothing happens.

Im back lol! AGAIN! lol

January 8th, 2013 at 07:35 pm

Well a lot has changed:
*Quit my Job in March 2012 and I now work from home
*Cashed out my 401k and put it in my Savings
*Doing a new 52 Week Savings Challenge for 2013
Week 1 $1, Week 2, $2 then of the year I should have $1378.00 in both my daughter and my Savings account with ING. Picture is below if anyone wants to do it. Smile

Saved $15 a month on my phone bill!

November 6th, 2010 at 10:29 pm

Plus I get back credits! : D I just cut my data plan from unlimited to 200 MB on my account! I have a blackberry.

That money will definitely go into my Savings!

I decided to do $20 in each Savings account. I had to call the bank to get my other account# since I haven't used it in so long.

So $20 in my Emergency, Fun & Travel fund and my daughters account. : D That's $1200x3 accounts $3600 Savings a year! Smile That's $20 a week (I get paid weekly)

Back again LOL

October 31st, 2010 at 05:48 pm

I swear I am such a flake, not really but can be! Okay so I decided to have $5 pulled from my bank to my ING accounts ($5 in each account) one for emergencies and one for my daughter...come the new year I will be doing $28 (because I am 28) and $7 for my daughter (because she is 7) and increase it every year as we get older. Because me manually trying to do this is impossible. I also canceled my Health Insurance because my mom found a more inexpensive one. I decided to stay at my job - they promoted me and gave me a raise. Big Grin

I also cashed out of all my MyPoints and Swagbucks. So I will be getting $30 in, $25 GC for Target, $25 GC for JCPenney and $10 GC for Chilis.

I went from deciding to spend $60 per person to $40 per person for Christmas. Since everyone I know basically has what they want anyway.

I also keep a stash, it ranges I went from $80 then back to $30. Its just cash to have handy aside from what I keep in the bank.

Up to $700 in Savings

June 13th, 2010 at 05:41 am

I know I haven't posted in a while. I just have been busy. After going back and forth decided to stay with my parents the rest of the year of 2010.

The family dog died on Thursday, June 10th 2010 Frown I didn't find out till I came home after work on Thursday. She was 13 years old. I had grew up with her and she was a good dog. I love and miss her very much. Frown

I am trying to get another Customer Service job with another transportation company. It sounds like the perfect match, I hope they think so too.

Am I afraid to move?

March 12th, 2010 at 04:58 am

I moved back home to my parents last July 2009 because of a bad breakup...I was originally supposed to move in March but decided to move in July I just accustomed to have extra money (I still pay rent every week) or just afraid to be out on my own again?

Hmmm I have changed the date from April, May June and now July...

I think an second at home job may help...I decided to stay at UPS CSC unless somethiing better comes along...I don't know...Hmmm...

You know what I don't like...

March 7th, 2010 at 11:11 pm

Wasting food...even if your stuffed...but what I really don't like is if you go to a special event dinner & they throw out your food and don't have to go boxes...I asked them if I could save it and they said that they had nothing to put it was a slice of roast, some sort of chicken, the spinach salad was awesome, but anyway just my vent...I have dogs & I like to eat leftovers..I just don't like wasting...I also wonder what they did with the rest of the food leftover from the event unless they let their employees take it from the catering company. But when they put all the food away I noticed they let this HUGE roast dry out...Hmmmm....

18 cents goes along way,....

February 27th, 2010 at 03:36 am

Every night before bed my daughter and I share a bag of chicken ramen...I love it...we eat it with Saltine crackers and Tapatio hot sauce (yes she eats hot sauce too and she is 6) it helps me sleep well Wink

Looking for a new Job...

February 19th, 2010 at 12:13 am

Although I have been with the company for 3.5 years and I am in a good position and make good money...the stress this year with them has doubled. #1 My ex works there but in a different dept. #2 They have threatened to close our Corporate office and they have not renewed the lease for our building. #3 I am on a write-up for not passing over 75% of my calls in a month...we all have bad months but I need stability...they have also let go some people who have been there years and people have quit.

So I signed up for . Refreshed my resume and applied for many jobs today and one yesterday.

I am keeping my job till I can find another one...I have 30+ days depending on how much months go and if I am over 75% every month on passing calls...

Getting $200 in Gift Cards!

February 15th, 2010 at 01:46 am

$100 is for a Health Assessment for my Health Insurance UHC

$100 Rebate for Renewing my 2 year Contract with AT&T...I at first was going to go online to get a new phone but I ended up going to the AT&T store at the suggestion of my mom and ended up saving 20% a month on my service and getting my rebate, plus they matched the price on the website Big Grin

I am going to save the GC for Emergencies.

Today I also bought a dining set & living room set for $50 at an Estate sale for my new apt! Big Grin

Companies that are helping their Customers Budgets! : D

February 9th, 2010 at 05:15 pm

McDonalds any size soda $1
Subway Footlong any $5
Walmart Vision Complete Pair of Glasses $38

I LOVE Subway!!! I really need glasses and to get a new eye exam (not included) so this deal came perfect timing.

Taxes Revised

January 19th, 2010 at 03:39 am

$5385 is what I am getting

$646 - State Tax
$185 - Visa
$597 - MC
$300 - Parents
$2000 - Car

Which will go towards getting my Apartment. I will make sure I have some leftover for Savings.

I think I might be getting cheap for my age (Im 27)

January 16th, 2010 at 11:31 pm

But a single mom so that might have something to do with it also but today I got my nails filled (at Walmart) and it was $18 plus I always leave a $5 tip. So my daughter is with me and wants French tips also so I told her I would buy her some while we shop at Walmart (she is 6) so I go to get her some and realize for $5 bucks I might want to try to do my own nails. That's what? 75% SAVINGS! $5 vs $15 (or $20)...Hmmm something always to think about...

What? $50?! You're crazy! I don't think so...

January 14th, 2010 at 02:31 am

I have two keys missing from my Dell laptop, and H key and a symbol I give my mom my laptop to take to a PC shop that is in her Chamber member(she works for Chamber of Commerce) and they have the nerve to want to charge me $50! I said HECK NO...I can get either the keys online or a new keyboard for less than $10!! I almost different but I was thinking does this guy think I am stupid? So I am going to fix it myself. Smile

Work Buys/Emergency Cash

January 10th, 2010 at 10:17 pm

I take out $20 a week for emergency purposes when I can...most of the money those goes to my soda ($1.00) and coffee (.70 cents) I buy at work...I bring coffee to work but sometimes its not enough so I buy more coffee...and I end up getting a bag of chips (.75 cents) or donuts ($1.00). So depending on my mood I end up spending $10 or more a week on junk and doesn't really get used for emergency . Now I could probably do without the coffee but not the soda..or the junk food. I used to just make sure I had $5 a week for soda...I no longer eat lunch because of personal reasons but that is going to change once I get my apt at the end of February.

My idea is to only spend $5 a week again, still take out $20 week and put the $15 towards my $20 Challenge. Big Grin Because I can guarantee you if its in my account or my little black wallet I will spend it. But in this case I would keep it in my pink sock and I still keep adding $5 a week to my Savings when I get paid. And if I do have an Emergency I will still have the $15 and if I don't need it that week then add it to my Challenge. Smile