Friday, July 31, 2009

1 Down, 3 To Go

As you can see on my side bar today I paid off my Master Card. It feels good to have one financial goal under my belt. This card will be going into the vault and will only be used to pay for my online course (automatic payments were cheaper) and it is in my budget for the next 9 months to pay those charges in full when they occur.

Next up is my American Express, if things go according to plan it should be paid off by this time next year.

Amex - $3440

August through December - $500
January - $800 (monthly payment + free check*)
February - $100
March - $1000 (monthly payment + tax return)
April through June - $300
July - $800 (free check)

Total - $3500

(I have taken interest charges into account)

* If you get paid every other week (apposed to twice a month) twice a year there will be months where you get three checks instead of two. That third check is your free check.

Tuesday, July 28, 2009

Can You Afford to do Your Civic Duty?

I got an unwelcome piece of mail the other day. No, not a bill a jury duty notice.

I wasn't thrilled about it but it is my duty as an American. That is what I told myself until I found out that my job does not pay for jury duty.

No big deal, you say? Just take a personal day.

Well I work in retail and August is blacked out for back to school. I can't use vacation time.

Basically I am going to lose a day of pay so I can be a good American.

What happens if I end up on a case that last a week, what will I do then?

Friday, July 24, 2009

I have a new blog

I have decided to start a new blog.

There are a lot of things in my life that I need to work on besides my finances and I feel that I need a new blog that is not focused on only finances.

In my new blog I still chronicle my journey for a debt free existence but I also write about my journey to loose weight, get a new job, and improve my self as a 30 year old woman.

I plan to keep this blog up to post about any major financial situations, but if you would like to join me on my new journey come see me at


Wednesday, July 1, 2009

New Goals

In the 6 months since I started this blog I have made decent progress. My goals were to

  • Pay off 2 credit cards (Paid off 1)
  • Open Savings Account (Done)
  • Save $600 (Saved $350)
  • Pay Back Ex Boyfriend (Owe $200)
  • Pay Back Sister (Done)
Now that we are in the second half of the year I have to update my goals.

New Goals

1. Pay off 1 credit card (Put the new lap top on my Master Card. Will be paid off by July 31st)
2. Save $50 a month (Will have savings account up to $650 by the end of the year)

Now that I am not making as much money as I used to and had some major expenses that I had to pay for (dental work, car repair, lap top, etc.) I am practically starting at square 1.