I spent $15.98 on something
Paid Rent $100
Bought Diapers and used my Coupons for Hot Pockets $16.01
Spent $14.77 on Gas.
And Friday I bought Wendys $3.72

and I also transferred $100 to Savings for my Apartment.



TOTAL SPENT THIS WEEKEND: $250.48

Daycare Monday: $90
Car Insurance 22nd: $68

TOTAL: $158

GRAND TOTAL: $408.48

Sunday will start my Official No Spend Week. Now I have Bills and Gas out of the way.

OMG I just went and used my Coupons, this time I got a Catalina for 3 boxes for $1.25!!! Each box of Hot Pockets contain 40 cent off Coupon off Hot Pockets.

THAT MEANS next purchase:

Store Deal: 6 for $10
HP Coupon: 2 @ 40 cents each
Catalina Smiths Coupon: $1.25/3 boxes of Hot Pockets

$1.67 after store Price = $5.01 (3 boxes)
Minus HP Coupons .80 cents
Minus Catalina $1.25
TOTAL PRICE PAID = $2.96
PRICE PER BOX: .99 CENTS!!! : D

OMG this is the best Coupon I have right now besides the General Mills. : D

Well the GroceryCouponGuide.com is down so I am researching other websites that assist with how to use Coupons.

I want to spend about $40-$50 a week on Groceries and when I move into my Apartment initially about $100 or $150 so I can get all my Staples and I want to use Store Sale and/or Coupon every time when I shop. I still need a List so I can find those Store Sales/Coupons to go with what I like to cook and eat. I am also keeping an eye out for Stockpiles..

Any Recommendations or Help would be Great Thanks in Advance!

I have a bunch of Coupons in my Car that my Co-worker had given me...I think I will buy a Sunday Paper and just Clip Coupons! I still need to go over the Coupon Guide to where to get the BEST Coupons...I move into my New Apartment on the 1st I AM SO HAPPY!

FINALLY FREEDOM FROM FAMILY!!! UGH FREEDOM PERIOD! I do have my Freedom but Renting from Family IS NEVER Freedom! FREEDOM is VERY IMPORTANT to Me. I love doing things my way...always have...now what does that have to do with MONEY??

Well, with Freedom you still need Discipline to make the Right Purchasing Choices. I have my bad days yes when it comes to spending but to know I can do whatever I want and whenever I want is PRICELESS! I had just read a Similar Post and it made me think of my own situation.

Now back to Budgeting and No Spend Days...

I bought a Meal at Wendy's and I know I shouldn't have but we have Assessments every day for the information we learned for the day at Training for the New job and I did not pass today. So in the morning I need to come in before class starts at 4:30 AM (class starts at 5 AM) and retake it. It wasn't necessary a bad day I just want to sleep and relax. I want a Break!

Between thinking about my Budget, my new Apartment and a bunch of other stuff, I just want to get a way for a bit...but I can't.

Today was supposed to be a no spend day too sigh.

Oh well, if you fall off the wagon you just have to get right back on it.

I picked up a 50 cents off Coupon for Fruit Roll Ups (My DD has been asking for them for a while) and please tell me if I did this right or if it was worth it.

The Store Sale was 3 for $5 and then I had the 50 cents off Coupon for two boxes. Orginal Price is $2.99.



Original: $2.99 a box
Store Sale: 3 for $5
Coupon: 50 cents off 2 boxes

Bought: 2 Boxes at $5.98
- 50 cents = $5.48

5 divided by 3 = $1.67 but I got $1.32 off from each individual box.

REAL Cost: $5.98
Discounts: $3.14
PAID: $2.84 for TWO Boxes...Wow, I basically got two for the cost of almost ONE Box!

Can someone verify please?

Thanks!

Jacquelyn

Is DRIVING ME BONKERS!!!

The first week I filled out the paperwork

The second week I was denied but then I had a co-signer.

The third week I had to wait for approval of the Co-signer.

The fourth week I had to Verify my Employment. Brought in Paycheck stubs for 3 months since they were having problems finding out who my Employer was.

NOW I wait till the end of the Week for the FINAL APPROVAL.

I AM to say the LEAST, GOING CRAZY!!! :?

I just LOVE this DRINK! On top of that I can get it a $1 a bottle at Smith's or any other Grocery store. It has 23.7 Fluid Ounces and

I think this can help me cut down on my Dr.Cheap (Since I can always drink the cheap stuff and get a 12 Pack for $2.09 or any deal, including name brand) soda intake.

I was trying to drink Crystal Light but it was too expensive and irritated my throat.

Water Bottles are really cheap now and I drink that as often as I can. I think it is 16 or 24 bottles 16.9 Fluid Ounces for $3.99 at Smith's and/or other Stores.

I have a Feeling Propel Fitness water will not be on Sale for long

ALL the Things I need to do before I Move.

I was tempted to buy some extra Jerky from my Jerky Business but I decided against it. YAY! I will have to wait another month before I get more. Oh well. (Jerky Biz is paid for)

My New Job is GREAT! I got Paid Direct Deposit IMMEDIATELY! And now that I get Paid Weekly I will need to watch my Money more carefully.

So I decided to start a Master Plan List in order to Stay Productive, Save Money, etc...on Excel.

I LOVE Vegas! You can do so many free things. I went there this weekend and let me tell you almost everything I did was for free and I can play the same bet for over 45 minutes at Black Jack and Roulette! (which I learned this weekend)

Let me break down my Vegas Weekend
1) Paid about $75 in Gas
2) Toured the The Strip
3) Paid about $80 in Food (I had one nice dinner, so shoot me)
4) Played and Lost about $20 (when you have a Strategy you can do just about anything)
5) Watched Free Circus Act in Circus Circus with the kids

I think I did pretty good. You can always make your own Fun and Priceless trip in Vegas and you can never beat free drinks neither.

Next weekend I will be going to North Carolina.

I really hope to have a Great New Year...this year has been great...I got a GREAT Job I LOVE, made some WONDERFUL Friends at work and have been doing some of the things I have wanted to do...like go Clubbing, Shopping and all that stuff.

This next year I am anticipating alot of changes...I will be coming into MORE Money, Getting a Divorce, Moving to Oregon and Driving...which are all big things...

The Money part I hope will come through and I will be able to get rid of Old and New Debt, put into Savings and Invest into other things...I also look forward to buying things my daughter and I both want and need.

I working on two different income sources at the moment and I just hope they both succeed and have faith they will.

This is going to be one of the hardest things for me to do but in order to be well and have things I need to be Organized. It is driving me nuts not being Organized.

I have alot of Organizing to do but I know in the long run it will be worth it.

Another thing I am doing is establishing Goals. Which is a BIG one for me also. I don't know how to really establish My Goals, I am really unsure as is to what to do. So, I am going to do that also.

The Two Things I want to do is:

SAVE MONEY and MAKE MONEY

I am going to try NOT to Overwhelm myself and get everything done when it needs to be done.

I also want to start Reading again, Reading is VERY Good for You. Especially the kind of literature I like to read.

Another thing in order to stay Organized, I am USING My Planner that I had received from AVON. I am going to take that sucker everywhere with me. I REALLY need to use it. Plus I can purchase Refills all the time and I spent alot of money on it when I joined AVON.

I want to start Focusing on My Businesses as well, it is still possible I think, even though I work 12 hour Days..I do AVON, Greeting Cakes and Sell Jerky. I want to Market Myself and My Products and start to Make Money with what I am doing. I think I have 3 VERY GOOD Products that I can work with. I can also build a Downline with all of them as well. I want to do an actual MLM though. Like some kind of Healthy Juice or something and do that. I don't know.

I just want to make 2006 BETTER.

You know, since I have been AutoSurfing and began Making Money I finally now am able to Pay Off Debt and Invest in other things...

Since I am waiting to Max out of My Account, it will not be till February of Next Year...

I want to basically Pay Off All My Old and New Debt, Buy A Car, Invest and Save Money and Start a Savings Account for My Daughter....

I will also be "Upgrading" on other AutoSurfs as well...

I also want to begin Building on MLM...you can never have too many Multiple Income Streams...

I had decided to take that Challenge more seriously and I am trying to figure out what to do with my $20...I was thinking of buying enough cakes and then turn around and sell them but with the shipping it really wouldn't be wise. I had then also considered doing it with My Jerky but I would only get 20% of two bags of Jerky. I also don't want to do it through Auto Surfing because it is not really trying...

The Point of this Project is to use your Creative Thinking Skills and of course Make MORE Money...

*EBay
*Buy Stock
*Buy Food to Sell at Fairs and Swapmeets


These seem to be the only ideas I can come up with right now. I am going to see if I can come up with some more ideas and then decide from there.

I could be thinking too deeply about this but I just want to do it Correctly.

I found this Auto Surf that WILL Pay 12% Daily and has already Paid Me Twice and I am Expecting a THIRD Payment. I am very excited about this Program.

Well, things have been going so-so.

I had applied for a WAH Job and I was denied at this time. Which is fine. I would only be making $9 with Benefits Part-time anyway.

I had also applied for another Position in my Company at $11-$15 an hour, 40 Hours a Week and I find out the Results next week. Nerve Wrecking until I find out.

Right now I make $10 and work Split Shift- It is hard on my family because they watch my daughter. My New Job I would have to work on Saturdays and they don't want that either. So I am a little peeved. I Pay Rent and everything, I just need them to work with me too. I am trying My Best to get off the Split Shift.

I am doing 4 AutoSurfs, 10 PTRs and some other things Online to make a little Cash. It is a Process until I get better at it and since I have no time this is what I do.

Hmmmm I am hoping I can get on my feet soon and not have to worry so much.

Oh and thanks y'all for the Comments. Much Appreciated.

Thanks,
Jacquelyn

Trying to keep up with all my Journals and such.

Well I had finally found a way to Make Money Online and I am doing pretty good with it.

I have been looking at all the Get Paids and Investment Programs online and let me tell you, there are ALOT.

I had also started a Blog and Website on the Topic. It was nice to do those things again.

My Friend was trying to get to Sign up for Pampered Chef, and although I would like to, I REALLY don't have the time for it.

Just been keeping up with the bills and such.

I had to borrow $100 from myself out of my Savings so I can pay for 1/2 the slide My Parents and I are going to get her, Birthday Cake and Balloons and then a Trip to the Zoo.

I still also have to pay AVON.

$186.70 is in my Bank

Curves Membership $79.00
AVON Order $132.00
Zoo $8.00
Birthday Cake and Balloons $20.00
Advertising $10 (maybe if I could afford it)

Jacquelyn

Paycheck: $504.00
DD to Savings: $150.00
DD to New Checking: $20


Who I Owe:

Rent: $240.00
Child Care: $200.00
Ride (Gas): $15.00
AVON: $124.00
Jewelry: $25.00
Hair & Nails: $50.00
TOTAL: $654.00

I decided to stop AmeriPlan for a while till I can figure out what I am going to do. So now I do not have a Monthly fee of $35. But, someone at work is trying to get me to sign up for Curves and I am just not ready to commit to a year of working out and paying $30 a month.

I need to cut more corners...or figure out a way to make more money. Sigh. I will need to withdrawl from Savings again...

I have been kind of neglecting this website. Shame on Me...

I do have some Money News though....

My Grandparents came and visited from Oregon and my Opa (Grandpa in German) knew I had already Saved $700 for a Car so he gave me $1000 more dollars towards My Car! Isn't that sweet?

I have been steadily Saving $150 per Paycheck and will continue to do so.

I had opened up a Checking Account at Chase Bank and I am considering employment there as well and I had DD $20 into my new Checking Account and plan to use it for Business Purposes.

I have signed up for a 401k through AVON. They will be taking $10 per Campaign and 10% of my Leadership earnings and put them into different places for Investment.

I am going still doing AutoSurf through Studio Traffic and plan to Upgrade to $100 soon so I can earn $1 a day instead of .10 cents.

I had also broke down and paid for the Launch Music Radio because they were really limiting my free music to nothing...and that costs me $3.99 a month.

Well I think that is all I have!

I am usually not into those "Get Paid to read email, surf the net, take surveys blah blah blah" Programs but I think I found one that is a little different.

I have been doing research on it all weekend and decided to take a shot. It is called 'Studio Traffic' and you earn 1% daily based on your account level. Right now my account level is at $10 and I earn 1% based on the 200 websites I visit. And this is not Manual Surfing, this is Auto-Surf. I plan to upgrade to $100 so I can earn $1 a day visit 100 websites. I have thoroughly visited all through their site and continue to do so. I actually KNOW people who are making money with this Program and I am going to try it.

Just today I earned .10 cents. I know it may not seem like alot but in 30 days I will have $3 and since I will be Upgrading before then I will earn $30. Now within 3 months you earn back what you have put into it and then the rest is profit thereafter. Every Upgrade expires in a 1 year. You can upgrade in $10 increments up to $15,000.

I just thought I would share...like I said, I have never done this before and there are some really SERIOUS people doing it, which surprises me even more.

So, I am going to try it out and see what comes of it.

Jacquelyn

Well...I have some Good News and Some Bad News...Ugh...

OK well I am up to $700 for a Car and I had PLANNED on going to the Auction but it was suggested otherwise that would if the Car would not pass Emissions and that I could get a BETTER Car with MORE MONEY...

So now I am going to wait until I am at least up to $1200-$1400 for a Car...and by a Dodge Neon...

So I am figuring it will still take 3-4 more Paychecks to reach that mark.

I had also bought some Necessities this weekend. I went to Walmart and bought a Filing Cabinet, which I need to Organize all my Papers. I am so Excited this weekend I actually Cleaned and Organized and I am so Proud that I have finally got on the ball to do it...do you know what is like sorting through clothes and papers? I threw out a whole load of stuff, it felt great! And since I do not have enough money for Organizing Products I did manage to find Places for the stuff I kept. I still have a TON of AVON Boxes...I will always have alot of those I guess. LOL. I still have a little bit more to finish up on...but I am pretty much done.

I had three AVON Orders...I realize I am slacking BIG time....so I figure it must be a tight time right now for alot of people and so I am going to pass out some Outlet and Beauty on a Budget Catalogs along with the AVON Catalog and I also plan on having possibly a Free Gift or Discount with their next Order...

I am also going to get on the ball for my Business and Call some Leads tomrrow...I also signed up for Advanced Commissions which is $100 per Broker Prospect and I am not sure about the amount for Members but it does vary.

Really, I don't have the 9-5 mentality to living Paycheck to Paycheck! And here I am living Paycheck to Paycheck! And it is FRUSTRATING! Some people like it and are used to it...everyone around Me...but it is NOT FOR ME!

My Job really is great and I have great Benefits but I just know it is not how I want to spend the rest of my life. I want to actually have a Lifestyle and instead of coming home tired from being at work for 12 hours and worrying about if I am going to have enough money for this and for that....it is just NOT worth it.

BTW I am a Single Mom and if I were Married again it would be the same scenario.

I know it doesn't take money to do things...but it DOES take TIME.

I am NOT going to be like this forever.

I was thinking well, how much it would be worth for me to SAVE Money but now I figured it would be better if I just MADE MORE and SAVED at the same time...which I have got pretty good at...

I have My Own Business...it is a MLM Company and they offer a Service that takes care of a 'NEED' in the USA. Which is Discount Health Care for Dental, Prescription, Chiropractic and Vision. I have FAITH that this company is going to take me somewhere. I just have to WORK at it....and I don't mind doing that....

I signed up under a Gal whose Sponsor makes over $150k Residual EVERY year. Now, she is a stay-at-home Mom, Married with a couple of kids....but I know if she can do it then I know I CAN DO IT.

Alot of people do not have faith in MLM or any other Business opportunity but I feel maybe it is because they have either been burned in the past or they are not open to the idea....which I just say 'to each his own'.

I also Plan on doing alot with my AVON Business. My Goal is Senior Executive Unit Leader and I am already a Certified Beauty Advisor....once I build my Downline and have a bigger Customer Base then I will have then Succeeded with AVON.

I must admit though...I did NOT choose My Businesses...I really feel like they chose me. I know, you all must be thinking "How could that be?" Well, sometimes things happen....as much as you try to deny it....

I also believe in Multiple Streams of Income....and that is why I have two businesses but as soon as I am doing good with both of mine....I Plan to start doing Affiliate Marketing again.....an Internet type based Business....I am still unclear as far what topic it would be about but I know once I do figure it out it will be fun and rewarding at the same time....

Friday I spent $2 for Lunch. My mom came and got me from work and after passing up Panda Express, Del Taco...I found a place that only costs me $2 for two fully loaded AUTHENTIC Mexican Tacos....that is SAVING MONEY!

My Brother came home for the weekend and I always give him money and I gave him $12.00

I get paid on Friday and I am still waiting to see if I will recieve Child Care Assistance again....

Since I am getting a Car I will not be able to afford it, so I am REALLY HOPING this goes through...


Spent $13.54 at the Grocery Store.

Well..here is my Plan.

Trying to get my Finances in Order for my Child Care (there had been some issues that needed to be Resolved so I cannot get it again till they are Resolved)

I am going to Open up a separate Checking Account for my AVON and AmeriPlan Business.

My Goals right now Financially are to increase my Income of at least $500 a month or enough to where I will no longer need Child Care Assistance. MY Actual Long Term Goal would be $2000 to replace my Income.

I will also be getting my Car soon at an Auction here by the end of next week.

CHECKING:
=$581.26

SAVINGS:
+$621.65

PURCHASES:
Massage ($12.00) (15 minutes-Birthday Present to Myself-Part of MY Spa Experience)
Necessities ($35.--)
Rubber Stamp ($10.42)
Raffle ($10.00)



PAYMENTS MADE TO ME:

$40.00

Plus AVON Orders....which I haven't tallied up yet and aren't due until Monday.
$23.10
$57.18
$21.58
$26.34


Money in Hand:
+$30.00
+$43.93
+$15.00




AVON: ($284.00)



BILLS:
Rent ($240.00-Rent will be less because my Mom bought some AVON stuff from Me) PAID
Child Care ($190.00) PAID
AmeriPlan ($50.00)
TOTAL: $465.00-----------> $749.00 (AVON Included)


UP-Coming Expenses:
Rich Dad $36.50
Lunch ???
Stampin Up $25.00

Well, I finally paid AVON $620 (whew!)

I got $15 from Job Corps for taking their Quarterly Survey.

I am getting $43.93 for the Order that could not be Paid.

I am also getting $36 for the two items that had the two week trial for AVON.

Bills
Child Care $190
Rent $240
AmeriPlan $35
AVON $284

And I WON! I went there with $58.00.

Here is what I Spent:

$5 for Dinner
$10.60 for Breakfast
I had $2.40 and I had spent in the Slots

Then while I was looking for the Nickel Machines my friend told me I should try the Black Jack Table (Minimum is $5) and I then I Won TWICE! I was also responsible enough to not lose that money and I did not overbid.

I was playing the Minimum and I was doing very well with my 'Beginners Luck' I left with about $105.00

I gave My Brother $20 and My Mom $25.

Well first I want to say when I went into Work this morning my cubicle had been decorated with streamers and such for my Birthday. That was sweet! The theme of my decorations was Money since the people at my work say that is all I talk about and that they had made dollar bills with my picture on them and hung them up everywhere.

Well tomorrow Morning 8-5 pm I will be doing a Phase II Class to become a Certified* Beauty Advisor for AVON (so I can give Skin and Color Consultations; Makeovers etc...) Being a Certified Beauty Consultant will increase my sales because then Customers will trust that I know what would be good for their skin.

Then when I get home I am going to Wendover for the night and I have $65 in my Pocket for that. I will be playing the Nickel Slot Machines.

Well today was My Birthday and it was Great!!!

First I turned 23 and a PAID day off from work.

I got a Cake and Balloons, Manicure, Pedicure and Eyebrow Wax.

My friend took me for Coffee and Cake at Marie Calendars.

Plus I got $30 from Grandparents and $50 from my Family. For a Total of $80.

MY Grandmother who also lives in a completely different state than I do sent me an AVON Order for $24.

I also got another AVON Order from one of my Stepdad's employee.

I also got My Benny Cards for My FSA Account!

I am an Internet freak and I had recieved e-mails from people telling me Happy Birthday and a Thread dedicated to My Special Day!


Today I really felt Special and felt good. It was one of the BEST Birthdays I have ever had!