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No Spend Challenge #2(August)

August 6th, 2018 at 04:57 pm

I have completed my No Spend Challenge #2 for the month of August. It wasn't a complete win. Last night I ordered something from Walmart. It didn't even dawn on me until just a few minutes ago that that broke the challenge. It proves to me how reckless I have been with my spending habits. I spent it without even thinking about the no spend challenge. The items I ordered are to complete a project I am working on. I was just in the "lets get this done" zone. I have got down not spending in a true store during the challenge time periods, but the online shopping is proving to be a little bit more difficult. I have that app(Icebox) on Amazon and that has greatly reduced that spending. But it is the stores that don't have that feature that are getting me. Granted there have only been 2 purchases during the challenges and that is a great improvement from where I was before i started these challenges. I guess a little improvement at a time is better than no improvement at all.

I plan to go to the grocery store today. I have my list ready. And do well when I go with my list. I also need to get gas...I managed to make it through the challenge without getting gas.

No Spend Win

August 4th, 2018 at 12:47 pm

For a few months now, I have been waking up around 4:00 and am just wide awake. So I have been getting out of bed and coming out and inevitably end up working on my finances. This morning I searched for Apps on the Iphone that would make things easier for me, as I often do. I found an app that looked promising. It is free. But in order to have premium benefits you have to pay $11.99 for a years subscription. Ordinarily, I would have done it in a heartbeat, just to see what was offered, thinking it is only $12. This is the time of day that I usually get in trouble. (I once bought a paint by Diamonds kit because I thought it would be fun...) But because I am on my No Spend Challenge, I didn't purchase it. Now I am glad I didn't. I don't need it.

I still haven't gotten gas. I might make it until Monday. I have to go to my mom's tomorrow so it will be close(by close, I mean 50 miles left until empty).

I really haven't missed spending money. I have learned that I can get by with what I have for food. And if I want something, I just put it on the list to get next time.

I still feel like crap. I am beginning to have my doubts about it being a sinus infection. it doesn't usually take this long for me to feel better. I am half way through the antibiotics, I would have thought I would feel better by now. I don't have the money to go to the dentist so I am hoping this works.





No Spend Fail!

August 2nd, 2018 at 06:53 pm

I had put an item in the Icebox on Amazon yesterday.(for those that didn't my post about this, Icebox is a chrome add on that won't let you buy anything for a specified time in order to stop impulse shopping). It came up today as being able to be purchased and went ahead and purchased it. It was right after I hit the complete order button that I realized it was a no spend day! Starting a day earlier than I thought has really messed with me. But I will be right back on track tomorrow.

My sinus infection is still just as bad as it was. I called the dr and she said It is not uncommon to get worse before it gets better. I just want to feel better!

One of my co-workers did me a favor and did what I needed to do at the Office today so I didn't have to go there. But I have to go tomorrow, no way around it. Even when the office is closed I will still have to go to Ellijay upon occasion to give things to & get things from my boss. That's ok. It will get me out of the house once in a while. And I will be able to claim mileage from the company, 40 miles round trip.

Welp, time to take my ibuprofen and Sudafed and go to bed. Maybe I will sleep better tonight than I did last night. Fingers crossed.

No Spend Challenge Update

August 2nd, 2018 at 12:38 am

So far, I have completed 2 rounds of the No Spend Challenge. One for 3 days and one for 4 days. i didn't budge on either one. Today(Wednesday) was a day off from the challenge so i went to the grocery store. I thought I had one more day before starting the next round, but when I looked at the calendar, I start it again Thursday. I failed to get gas because I thought I had one more day. I am going to have to make an exception for gas because I only have 1/4 tank left. While it might last me 4 days, I don't like to let my tank get that low. If I didn't have to go to the office tomorrow, I think it would be fine.

I have adjusted my budget to get me through 8/15. Will have to make some more adjustments as that date get closer.

I am battling a sinus infection, which doesn't seem to be responding to antibiotics. I have been on the antibiotics for 3 days and almost feel worse! Have to call the dr tomorrow.

No Spend Days & Icebox

July 31st, 2018 at 02:45 am

I have been doing a no spend challenge where I don't spend any money for 4 days and then have 2 days to spend for things I need. That has been working well for me and has stopped me from spending on things I don't need. I did have to spend yesterday that wasn't expected. I had to go to the Dr for a sinus infection. But due to my no spend challenges, I had to cash to pay for the visit and the prescription. I still have one more day before I can go to the grocery store.

I found this really cool Chrome extension called Icebox. It works with online retailers, like Amazon. Instead of letting me buy something instantly, it puts the purchase on ice for the time period you establish. I have mine set up for 24 hours. So whenever I try to buy something, I have to wait 24 hours before I can actually buy it. I have been using it a little over 2 weeks and it has saved me quite a bit of money. It has stopped my impulse shopping on Amazon.

Checking In

July 29th, 2018 at 09:10 am

Hi Everyone...I know I haven't posted in FOREVER! I am going to try to get better at that. I need accountability.

I have gotten myself into a pickle again. I have rented out the basement of my home and am still about $300 short a month, if I want to pay them off in 22 months. I could pay less and be okay, but it would take longer to pay them off. I am also selling stuff off that I don't need anymore. I have made about $200 this month doing that.

I have been making very bad financial decisions. I started reading financial books last week have become truly inspired to get this under control. I am on my second no spend challenge. The first went really well, I took Friday off and went to the grocery store, and got gas. Didn't go overboard and was more deliberate in the purchases I made.

My problem is that my happiness has been linked to spending money for so long that it is really affecting me emotionally. I know that sounds like an excuse, but it really isn't. My spending became on addiction that I have to just stop cold turkey.

I have given up the idea of moving. I have decided that I like my house here and would be miserable in the city. My mom is still living on her own, and at 87, she is an inspiration at how independent she is. I do her grocery shopping and double check her checking account to make sure she gets everything paid, etc. She does a good job.

Sorry for the long post. I just wanted to give you guys an update on me and let you know that i am going to try to be better about posting.

Hi Everyone!

July 15th, 2017 at 12:27 pm

Hi All! I just wanted to drop in and give you an update. I have been making some serious financial decisions lately. I have decided to refinance my house and roll all of my other debt(except for student loans) into it. I have consulted a financial advisor as well as a banker to make sure this made sense for my short term goals. By the end of the year, I hope to put my house on the market and move closer to my kids. I have been looking at condos in the area and can afford a really nice one. I could shoot myself for charging up my credit cards because I could have really gotten a nice house if I hadn't done that and still had all the equity in my house. As it is. I will have about $40k in equity in my house when I get ready to sell. The bank did an appraisal and it came back 16k more than we had hoped for. So that was excellent news. I figured my net worth and it wasn't as bad as I thought it would be. It is a negative number, but not one I can't climb out of, less that 18k.

I am almost at that point of not being able to make my payments each month...again. I am working with my therapist to try to figure out my shopping addiction. I just lack that self discipline to say no. I think this time I am ready to do that. I am thinking about closing my credit cards, all except the one with the largest credit limit. That way I remove the temptation. It might affect my credit score, but I think it is worth it to remove the temptation.

My mom isn't doing so well. She is showing signs of dementia and confusion. I am not going to like watching her go through what my dad did. It was horrible.

Anyway, that is an update on me. I am sorry I am not around more often. I am taking college classes plus I am the main caretaker for my mom and sister, doing all of their grocery shopping and other tasks. It just seems there is never enough time for anything. I hope you are all doing well.

Still Lurking Around

January 25th, 2017 at 05:46 am

Hi Guys! Just thought I would pop in to give you an update. Things are going pretty good for me right now for the most part. My company was sold as of last Friday so I now work for a totally different company and my job duties will be changing. I will no longer be doing any of the accounting work. Not exactly sure what I will be doing, but I am sure they will find something for me to do. Kind of scary and nerve wrecking. But I am trying not to stress out.

But along with the sale came a big bonus check. I got 1/2 of it last week and the other half in 3 months. I used it to pay off most of my credit cards and the other half will pay off the rest of them. All I will have left is the LOC and a small personal loan. I also repaired the porch on my house which was in bad shape and am putting up a fence for my dog.

I don't know if I have been on here since I quit my second job or not, but I did. It got to be too much. So I am just down to the one now and it feels really good. I started back to school this semester and am really excited about it.

DD is doing well in college. She is sophomore now. She has been dating this fellow for over a year now. Very nice guy. I am happy for her.

DS is still doing his thing. He has started taking a very classes at a tech school while he works. He seems to be happy and I am glad.

Well, that seems to be all that is going on in my life. I miss you guys and think about you often.

Closed Some Credit Card Accounts and a Small Victory

October 3rd, 2016 at 10:45 am

I decided to close some of my credit card accounts that I don't use. It might affect my credit initially but I am hoping that in the long run, it will be better.

Small Victory...my television developed a spot on it. It is very annoying, but not big enough to disrupt the picture. I of course ordered a new television. But I started thinking about it and decided to cancel the new television. That was a very big deal for me. I don't cancel things very often once I have ordered them. So I am dealing with the spot, which comes and goes.

This Sunday is my last day at my second job. I can't wait. Financially things will work out, it just won't be as easy as it is now. But I need to not do this anymore. So I am excited.

Also got a $35 check in the mail. I had paid a copayment to dr but since I met my out of pocket maximum, the insurance paid 100%. I also called my therapist, who I have been paying $50 a visit, and found out that I have $150 credit with them! So that is a nice little surprise. I am going to apply this credit toward future visits. My insurance started over 10/1 so I have to start paying copayments and prescriptions again. Bummer.

Auto Insurance Blues & Homeowner insurance question

September 22nd, 2016 at 12:32 pm

My auto insurance renewed this month and it went up. I decided to look around and made a startling discovery. I am ineligible for insurance at most agencies. I was in shock. I couldn't figure out why. So I pulled a report that the insurance companies use to determine you insurance score. Apparently I am a below average risk. What makes me a below average risk you ask? Well I have opened too many accounts in the last 24 months. Industry research shows that people that use their credit are more likely to file claims. What else? I have retail store cards...and, you guessed it, industry research shows that people with retail store cards are more likely to file claims. So although I am not using my cards anymore they are still biting me in the butt. I guess I will have to stay where I am. It didn't go up much so that is good.

I got a quote from my current carrier for homeowners to combine everything. It is double what we are currently paying for homeowners insurance. He said that the only thing he could think of is that the policy we have now will only pay depreciated value and the policy he quoted me pays replacement value. Have any of you heard anything like this? I have never had homeowners insurance so I don't know if that is legit or not. And if it is legit, which is the better policy to have?

Job Update: Feeling Better

September 12th, 2016 at 07:43 am

My boss came and talked to us this morning and I feel alot better about things now. He said that he doesn't feel like, if the sale goes through, that we would lose our jobs because he still needs assistants and such locally to help him. He also said that if the sale does go through, he is going to cut each of us a check for 10k and then in 3 months cut us each another check for 10k. And that isn't to help us transition to a new job, but just for our loyalty and help in growing the company. My mind is already racing about what I could do with that money. Do I put is in savings? Pay on my student loans? Pay DD's student loans and then pay for college? Put is a 401k? Pay on my HELOC loan? Pay of DD's car? The possibilities are endless. I haven't even gotten it yet and my mind is racing. It is so different from just a few years ago when I would have needed that money just to survive and get caught up on living expenses. I am proud of how far I have come. I still have a ways to go, but I know I will get there.

Job Security and other Doings

September 7th, 2016 at 03:47 pm

DD had to get a hotspot last year for her college dorm. It doesn't work at her new dorm. So I canceled it and will save $50 a month on it. We then just activated the hotspot on her phone and upped the data limit, so the actual savings each month will be $35. I'll take it.

I gave my notice at my second job. I just can't do it anymore. My main job is picking up and isn't in danger anymore, so I thought. My boss sat us down on Thursday of last week and said that there is a company interested in buying our company. They are based in PA. They want to hire the owner of my company as a consultant. What was missing in my boss's talk is that our jobs are safe. He didn't say if they were or weren't safe. So who knows. Back to 2nd job...shortly after I gave my notice(like the next day) it was announced that they are doing away with my office/position. They are going completely computerized. They will have one full time employee and that is it. So even if I hadn't given notice, the job would have ended.

Not knowing that my job was in danger, I just spent sort of unnecessary money redoing my basement. I mean I had a mold issue down there that is gone now. But it could have waited. Thanks Boss Man! He has known about this for about 1.5 months and hadn't said anything. Bitter? Me? Not at all!

So That is what is going on in my life. I will just take things one day at a time. At the end of this month, I will have $150 in credit card payments and $400 in HELOC payments. I can manage that even on unemployment. Plus I will be saving gas money and other work related expenses. I also have a few expenses that I can cut. So I think I will be okay if the worst happens. It will be weird though, I have never not had a job, since I was 12 years old.

Updates and Financial Doings

August 22nd, 2016 at 06:27 pm

I closed on the loan to refinance the HELOC, taking my mom's name off of it. It is now solely my responsibility, which it was before, but she was a co-signer. Now her credit is freed up. I refinanced for enough to take care of the mold problem in the basement. I think it was starting to affect my health. So that is in process.

I put in my notice at my second job for the end of September. 6 weeks notice. Surely they can find a replacement in that amount of time. My first job is really picking up, they let the sales person who wasn't doing anything go, and now we are making sales like crazy! My boss doesn't have a day at home for almost 3 weeks! Good for business, bad for him. I am excited that I won't have to get up at 4:00 in the morning any more but I will miss the people I work with. I have done my budget and I will be okay financially. Just have to watch my spending, which is difficult for me. It is time to start on my November budget now.

Cooking More; Eating out Less

August 2nd, 2016 at 06:54 pm

So I have become kind of obsessed with cooking lately. I am cooking 1-2 meals on the weekend for my lunches at work during the week. Since I work from home on Wed and Fri, I only need 3 lunches. I can grab anything while I am at home. I have done really well doing this. I haven't eaten out in a couple of weeks. Really proud of myself.

Things at my 1st job are looking up. We have several jobs that we expect to close in the next few days. I just want us to get past this hump.

I am in the process of refinancing the HELOC on my house to take my mom's name off the loan. When we did the first HELOC and paid off all the credit cards, my credit score shot up over 100 points. So now there is a great chance, with the 2 jobs, that I can get it by myself. We started that process this morning.

I still have planned my budget going forward without my second income. I need to wait until the HELOC is refinanced and things are a bit more stable, but I have hope that that will be sooner rather than later. My body is starting to revolt!

Yesterday was a NSD. I stopped today and got a few things at the store and had to get gas on the way home(1.79/gallon...can you believe it???) Tomorrow is a work at home day and I plan on going no where so it will be a NSD as well.