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Yes, Im here again...

May 17th, 2018 at 09:17 am

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

Jackie



Saved $15 a month on my phone bill!

November 6th, 2010 at 03:29 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)

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?

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.

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

I am Proud and Embarrassed!

June 5th, 2008 at 09:57 pm

But Last weekend, I finally got ALL My Bills together that I had been receiving at my parents and my house (old debt, medical bills and some new debt) and decided to organize and throw away duplicates and keep the most recent to start paying on every week. WELL starting Friday (or tonight) I am starting to PAY IT OFF WOOHOO!!! Big Grin

I am actually trying to pay these bills that give you the online option and some are just so difficult so some I may have to call about and find out what happened to the debt of it and see who now owns it...etc...I am also going to contact CareOne to help me organize my debt and pay it off quicker, I had such nice feedback from a rep I called a year ago and would like to get in contact with CareOne and actually sign up for it this time even if its not the same rep.

Ugh frustration, a lot of these debt collectors I will need to call and not all offer the online pay option, oh well, my consequences for ignoring stuff...

GUESS WHAT?? My Laptop isn't broken, its actually the power cord that needed to be replaced (again, this would be the third time) so I may cancel my $700 Laptop order with Dell. Big Grin And still keep the money in my Savings, I am still undecided but I normally just like to buy things I need.

Well I manage to pay $4.52 tonight, I will need to call on the rest of the debt collectors to see what I can do.

Oh I have the form filled out for automatic deduction into Savings, now I just need to turn it in. Its going to be $25 a week. Big Grin


I FINALLY GOT MY PROMOTION PAID!

April 29th, 2008 at 11:57 pm

In the Billing Dept that I had been promoted to last October 2007, I did not get my pay for it. The reason for that is, you have to Certify. Which means I have to pass a certain number of Billing Calls and hitting Quality points before I would get my Promotion Pay...and I had three chances to Pass. Well, the first two times they put in in February I failed. Frown And if I had failed the third time I would be sent back to my prior department. So anyway, 7 months later I FINALLY GOT MY PAID PROMOTION I CERTIFIED!!! WOOHOO!! On top of that but the yearly raise in due in June so I will be getting that as well!

Plus I am waiting on my stimulus check. I am thinking about living a paycheck behind and beef up my Savings...Right now because of my Taxes last year I have about $1,000 combined in two Savings accounts. $300 in my ING and $700 in my regular Credit Union.

With my Daughter's check that is going to start her Savings, $100 of her $300 is going to go for her down payment for her teeth again (she has two new teeth growing in and we have to remove the other two).

It feels Good to pay Bills

February 8th, 2008 at 08:54 pm

I had received my Tax return today and paid few good sized bills...it made me happy. Smile Now I don't have to worry about paying them unless I use them (my credit cards) plus I don't have to pay my Car Insurance till June now.

Tax Season & Suze Orman

February 3rd, 2008 at 07:14 pm

My Taxes are done and I am getting back
$4507.

I owe
Utah State Tax $598
Mother $450
Partner $610
Credit Cards Pay Off $600 (YES!)
Car Insurance $231.40
GRAND TOTAL: $2489.40

I will have $2017.60 left over.

Last night I was watching Suze Orman and watching her made me realize how I need to kick my butt about my debt.

Hmmm Organization

December 2nd, 2007 at 12:04 am

I was thinking of moving all my automatic items to my credit card so that it would be easier to pay it off quicker.

I have little things like my Hosting and Jerky that come out every month...the biggest thing I have is my Business...

I have to get these credit cards paid off and I do not want to get any fees if something were to happen and I did not have the money in my account for some reason. If I did not have the money in there at the time...I need more control somehow, so after Christmas, I will be moving everything EXCEPT for my Credit Cards of course LOL to my Credit Card.


Expecting two Checks from Pinecone and from my Jerky that will be going to my Savings Account.

My Travel Business! : D

November 19th, 2007 at 11:16 pm

FINALLY! Big Grin

I had booked my first Travel Booking on my site! I booked a flight for two to Mexico.

I had also acquired some Travel Leads and had been speaking to prospects who are looking to book Travel vacations.

I am very excited and looking forward to using this money to Pay off my Debt Completely and Financial Independence! Big Grin

My Finances

November 15th, 2007 at 10:34 pm

INVESTMENTS

401K - 2% and my Company will match me 2%

Savings Account - $141.59

ShareBuilder - $8 Automatic in YTB Stock


CREDIT CARDS

MasterCard - $200.41 left to pay off

Visa - $279.44 left to pay off

(They both have $300 Credit on them)

Going to try to make $75 or $100 on the next payment for both of them.


DEBT - Still working on that.

BUSINESS - Still working on it.