Well, I was floating along financially. Had money in savings. Things were looking good until Januaray. Then BAM! The transmission goes out on my car. It needs a new one, to the tune of about $3500. It never fails that just when things start looking up, something happens. I am having to use my money in savings and put the rest on my parent's credit card, to which I will be making monthly payments. So instead of getting my credit cards paid off, I will be working on this debt. Bummer! I was really looking forward to having my credit cards paid off.
Archive for September, 2010
I haven't posted in a while, but I am still here, lurking in the shadows. Today is payday. It is kind of let down. I wait for payday to make the extra payment on my credit card or timely payments on the other stuff that is due. But since I set everything up through my bill pay there is nothing for me to do! Everything is paid automatically! Oh well. Guess I will get over it! LOL
I still have almost $700 on my emergency fund and almost $200 in my car maintenance fund.
I have decided to plan a trip to disney. We will be in Tampa anyway for my daughters cheer leading and will just spend an extra week there. I have some tickets that my sister bought us that never expire so the tickets won't be that much. We are also going to visit Universal and Sea World. I am so excited about the trip. My best friend from High school has offered to let us stay at her house, she lives about 30 minutes from the parks. So it will be a frugal trip, but a trip none the less. And it will be paid for all in Cash. Now I just need to get busy and save!
Out of the $4900 I got, I gave my mom close to $3000. She called me to today to thank me for remembering them. She said that in the past they have given money to thier children and then when the children get windfalls, they don't remember to give any back to them. She was just very proud of me. To me it was the right thing to do. I am trying very hard to be self sufficient. My parents are not alwasy going to be there so I need to learn to live on what I make.
I keep staring at my account in Quicken. I am not used to not having to keep a strict eye on it to make sure I don't bounce a check. I still keep a strict eye on it, but for different reasons. I just hope that my resolve stays strong and I continue to not spend money, even though I have it.
I joined Thrive Tuesday night. So far so good. I bought the recommended bread and peanut butter and jelly. I bought the protein shakes fromo them. It was pretty good. I am not hungry, but I find that I am bored and tempted to eat out of boredom. I must put a halt to that! But wich me luck as I continue on this diet plan. I really need to lose a bunch of weight!
I have decided that I am going to join Thrive, which is a weight loss program. Since I have sacrificed myself for so long, I am doing this for me. Maybe I can get back down to a comfortable weight. Would I be doing it if I hadn't gotten that money, no. I couldn't afford it. But this is important to me. My weight is affecting my self esteem. And since I did get that money, I think that spending a little bit wisely on myself will be a good investment.
When I checked my email this morning, I had an email from the child support office that there was a new payment on my account. When I looked it up, it was $4930!! I was so shocked! Apparently the ex did the first time homebuyers credit. I was so surprised!
It couldn't have come at a better time! I paid off my property taxes and one of my credit cards. I also paid off my garbage bill. I put $1500 into my savings account/emergency fund. I caught up my mortage(which was less than 30 days past due) and paid my cell phone bill. All in all, I think I did well with the money. I have my budget set through October. Of course there is always minor changes here and there, but it pretty much sticks to the main plan.