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Work Buys/Emergency Cash

January 10th, 2010 at 02:17 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

$5 a week...

January 1st, 2010 at 05:56 pm

My dad gave me an idea that even though its a little to start with, I should save $5 a week...so I started this week. Smile

Money/Gift Cards received on Christmas

December 25th, 2009 at 06:24 pm

$50 Walmart GC
$50 Target GC
$50 JCPenney

$60 from bro (he owed me $40 and $20 for Gift)
$40 from Sis (Owed me)
$40 from Daddy as a Gift

I owe my mom $50 so I gave her $40 from that money which left me $100 which was my GOAL for December to SAVE Big Grin

Now I have that money in a Dollar sock coin purse I received on Christmas away from my wallet and my purse so I do not spend it Smile

Not sure what my Goal will be for January because my daughter for her off track care ($100 a week) and $50 a week towards my Cruise on January 22nd for spending money and Rent ($100 a week). Maybe I will try for $40 or $60?

Plans with Tax Refund

December 3rd, 2009 at 06:29 pm

I usually get $5,000.

$700 goes to State
$2000 will to buy car (long story)
$700 Pay off Credit Cards
Pay deposit for Apt
Savings

December 2009 Finance Goal

November 30th, 2009 at 05:45 pm

To Save $100. It is really difficult this month with all the Christmas shopping and all but I want to have something for December. I get paid weekly. I'll let you know by the end of the month. If I could do more I will.

2010 Goals - Hello again :)

November 29th, 2009 at 06:35 pm

Pay off my Debt (haven't Frown
Savings & Emergency Fund (Have none Frown
Make Money (Jewelry Parties - Goal 2 a week)

I no longer have a partner, she left me in July 2009 and I had to move back home till March 2010. So its just me and my daughter again. Smile

I already found an apartment I will be moving to (1 bedroom): $688 a month (includes water, cat)

After school care for my daughter $185
My Cell ATT $110
Utilities $100
Credit Card $50
Goal for Groceries $40 a week for two (will coupon & stockpile)
Beauty $110 (nails, hair, tanning - I am a new high maintenance woman but I get my nails done at Walmart and my friend does my hair)
No car payment
Car insurance cut from paycheck
Comcast Internet & Cable $130 (I think it was)
$1348 Month

Now if I can cut my Comcast to start I will put that extra money in my $20 Challenge or anything else I can cut. I am also going to start Kmart Layaway for my items needed again for my apartment after Christmas.

If you have any suggestions let me know.

Thanks
Jackie

FINALLY Started DD Savings Account WOOHOO!!!

July 20th, 2008 at 11:52 pm

I have wanted to do this for YEARS. She is turning 5 in August and starting Kindergarten - so I thought its now or never. Plus she already receives $2 a week allowance for cleaning her room (which she does a good job at and we take her to the Dollar Store every two weeks) My parents never did it for me and I finally did it tonight. I put in $60 to start at ING @ 3% APR. As I get more money I will be depositing more. I AM VERY EXCITED! Smile

That was also the last thing on my Financial List!

Covered:
401k (Work)
Savings (2 Savings Accounts)
Pay Off Debt (CareOne)
DD Savings (ING)
Own Stock (ShareBuilder)

I DID IT!

June 11th, 2008 at 08:54 pm

I started Paying off my old DEBT! Big Grin

Okay but I am slightly discouraged if you look at the numbers

I take home $457.50 a week

$325 goes towards shared bills (rent, groceries, utilities etc...)

$50 a week is towards CareOne ($181 a month)

$25 a week towards Savings

Which leaves me almost $60+ a week leftover.

Keep in mind - I still have to pay my CCs, Car Insurance and a couple of other things every month.

Am I doing okay and the right thing? I know any extra is going towards paying off my debt.

But honestly, I still like to buy things :P and would like to have things too.

New Plan (I think)

June 10th, 2008 at 11:13 pm

Well, I am really annoyed about my financial decisions lately.

*Bought a Laptop (Laptop interest over 25% I believe)
*Need to pay off CCs again (2 total $675 both with interest over 25%)

So what I am going to do is take out the $900 and pay $200 on each of the CCs ($300 CC and $375 CC) and put $400 towards the laptop and then pay the rest off in payments on both.

I already have $25 a week going into my Savings Big Grin and I am sure I can come up with ways to make extra income.

Then after I will contact CareOne (they are already knocking the down the door and calling me and I will let him know I am interested and to give me a minute)

Anyway I was also reminded of the Suze Orman segment of "Can you Afford It" when the chick had BIG BUCKS in her Savings and still had ton of CC and Student Loan debt and she told her what is the point of having a BIG Savings if you have all this Debt??? So I agree. Plus I am sure Suze would have DENIED me getting this new Laptop Oopsy!

More later in as The Jackie Financial World Turns later :P

Laptop Dilemma

June 9th, 2008 at 05:48 pm

Well now I have two! I know some would say I should sell one or give my old one away but the first one I got for free and it still works and its mine, the second one is the new one I got from Dell.

Well, I tried to Cancel with Dell and it was too late. Frown

I bought a $67 ($39 for the cord & the rest for the Fedex Next Day Shipping) Laptop cord to fix my Toshiba and it worked again, we had originally took it apart because we thought the pin was broken on it. It wasn't. The Laptop cord just was broken.

So I got my new Laptop and its Beautifully PINK Big Grin (It cost me a total of $768)

I am going to make payments on it and I am still putting $25 a week in Savings. I am going to try to have it paid off in about 4 months. So I would almost have to pay $200 a month. Which doesn't seem to much and if I have any extra money I can go ahead and pay it towards it as well.

I think it will all be fine though.

Savings

May 8th, 2008 at 09:00 pm

I don't know about everyone else but the way the economy is going and the world right now I am anxious about putting more money in my Savings. Just contemplating when and how much...

Right now I technically have 3 Savings accounts. One is connected to my Checking account, I have another one COMPLETELY separate (no card or anything) on my second Savings and my third Savings account I have through ING.

Savings#1 has about $300 (supposed to be used for a Trip to Vegas)
Savings#2 has $1,005.17
Savings#3 has $394.70

For a Total of about $1699.87

I have a Savings Goal of $3,000.

Not sure when we will be actually going to Vegas because my Partner's Mom is sick and I still need to figure out where my dad is (He is technically homeless always and I want to help him so much Frown and I just hope he is ok somewhere in Vegas. Plus we want to make sure that we can get a Good Deal.

I now make $14.70 but I am also getting another Raise on June 1st...so I think it will be easier to decide how much to Save then...

Paid myself $20.24

November 10th, 2007 at 08:58 pm

from two checks I received in the mail from Jerky and SFI. Its not a lot but it is helping rebuild my Savings & for the $20 Challenge.

I will be Marketing my Business more so I can pay off all of my Debt and finally work from home. Tonight we printed off some Business Cards.

I will also be paying myself $25 per paycheck into my Savings Account here soon.

My Money Goals I have done a couple of them.

I signed up for my 401K, which I am finally glad I did.

Added Value

November 1st, 2007 at 10:13 pm

Well I did get PROMOTED to the Billing Dept at work. Today was the last day of Training, tomorrow I start in my new Dept. Still working on Business though.

I realized that I am adding Value to myself by signing up for my 401k NOW and not later, as well as getting Health Benefits and depositing money back into my Savings. Pleased with myself. Big Grin

I also want to get my daughter a Savings. She is 4 and I want to get this for her really bad. Plus, I had added her as a Beneficiary everywhere, every time when I sign up for a new Financial Account.

I want to knock out a few big things too in the process:

Chase MC $246.41
National City CC $326.44
Car Insurance $360.39 Optional: $133.51

(I had some issues with them and now I have a HUGE Cancellation & Reinstatement fees from them)

Car Insurance

September 27th, 2007 at 01:00 pm

Well playing around on MyPoints, I decided to get a Car Insurance Rate Quote from various Auto Insurance Companies. Well most of them were $60+ and to my Surprise one is actually $33. Right now I pay about $50+ a month for my Auto Insurance. So I am thinking of having that same company do another quote for me to make sure it is accurate with the Insurance I have now.

Since my Insurance I believe is $51 A MONTH, my SAVINGS would be $18 a month! Which I could put back into my Savings.

Speaking of Savings - After I go back to work, I would like to Deposit $30 a week into my Savings Account with Direct Deposit.

Not sure though yet, how I will do it.

Its been a While but......

March 9th, 2007 at 08:24 am

I got my Taxes back and I put $1300 in Savings and paid something that I cannot remember LOL. $1,000 of it is to fix my daughter's teeth once I find a Pediatric Dentist.

Plus I went to Wendover, Nevada (I live in Utah) and won a total of $1,000 on the $1 Slot Machines with the tip from my new Beau Smile