Although I didn't post my budget this month, I've stayed pretty well on track. Today is payday and I know where every dollar is going. Rent, car payment, car insurance, food, WF and the gym. I am leaving a small amount available as cash.
Being focused on getting out of debt has really made me change the way I shop. I'm still shopping for things to sell on ebay, but not nearly as much as I used to. I need to get my inventory organized.
I've also increased my hours at work so my last two paychecks have been bigger!!!
Friday, March 20, 2009
Thursday, March 12, 2009
Capital One 1 and dentist are done!!!!!!!
My latest update is that Capital One 1 is paid off as well as my dentist! I made the last payment a few days ago on both. It's possible that Capital One will charge me a bit of interest for this month, but if they do it won't be much.
The bad news is that since I went shopping for (needed) clothes on my WF card, I have to get that one down now...again.
I've been crazy busy so didn't make time to blog in the last week. We had a friend visiting us for several days which was fun.
Ebay has been terrible this month, I hope it picks up.
The bad news is that since I went shopping for (needed) clothes on my WF card, I have to get that one down now...again.
I've been crazy busy so didn't make time to blog in the last week. We had a friend visiting us for several days which was fun.
Ebay has been terrible this month, I hope it picks up.
Tuesday, March 3, 2009
Library Book
I just got home from the library with the book entitled "The 21 Success Secrets of Self-Made Millionaires" by Brian Tracy among other books. It bothers me that people write in books and I've been going through it erasing lots of pencil marks, writing and underlining.
Why are people so disrespectful? It's not much different than writing on a wall in an elevator, bathroom stall, spray paint graffiti, etc. Sure, only the people that get this book will see it, but still... if you want to write in a book, go to the book store and buy your own to mark up!
•••UPDATE••• I just finished reading this book, it was a short read with good info. There are a few things I want to quote from the book as follows:
• Every time you practice self-discipline, your self-esteem goes up. You like and respect yourself even more.
• You are like a chameleon in that you take on the attitudes, behaviors, values, and beliefs of the people with whom you associate most of the time. If you want to be a successful person, associate with positive people. Associate with people who are optimistic and happy and who have goals and who are moving forward in their lives. At the same time, get away from negative, critical, complaining people.
• Unsuccessful people are indecisive. They know that they should do or stop doing certain things, but they do not have the character or the willpower to make firm decisions. As a result, they drift through life, never happy, fulfilled, or successful. They never become wealthy or achieve financial independence. They settle for far less than is possible for them.
Why are people so disrespectful? It's not much different than writing on a wall in an elevator, bathroom stall, spray paint graffiti, etc. Sure, only the people that get this book will see it, but still... if you want to write in a book, go to the book store and buy your own to mark up!
•••UPDATE••• I just finished reading this book, it was a short read with good info. There are a few things I want to quote from the book as follows:
• Every time you practice self-discipline, your self-esteem goes up. You like and respect yourself even more.
• You are like a chameleon in that you take on the attitudes, behaviors, values, and beliefs of the people with whom you associate most of the time. If you want to be a successful person, associate with positive people. Associate with people who are optimistic and happy and who have goals and who are moving forward in their lives. At the same time, get away from negative, critical, complaining people.
• Unsuccessful people are indecisive. They know that they should do or stop doing certain things, but they do not have the character or the willpower to make firm decisions. As a result, they drift through life, never happy, fulfilled, or successful. They never become wealthy or achieve financial independence. They settle for far less than is possible for them.
Monday, March 2, 2009
My slip up
It has been a while since I posted but my time has been occupied with family as a result of a recent death.
My spending got a little out of control when my mom decided to help me out and go "shopping" for me along with other things. She went out and found a lot of things that I might like to wear to the funeral ... and more. I ended up spending on my WF card. Bad. I know. But honestly, even though I may say I don't "need" anything, I really do. My clothes are looking old and ratty. The t-shirt I'm wearing today is about five years old and has holes visible to me around the waistband.
I bought some badly needed jeans as the ones I wear all the time look trashy at the ankles. When I spent the last $130, I told her, "NO MORE SHOPPING!" I love her and am grateful that she took the time, she really knows what looks good on me, but seriously. No more!
I spent about $350 but it sure was nice to have proper attire for the funeral and to spend time with family who I see once every couple of years, wearing clothes that were in decent shape.
So...with that being said, my new plan is to pay off Capital One 1 and then back to WF. My March budget should be posted within a few days. It's already on paper.
My spending got a little out of control when my mom decided to help me out and go "shopping" for me along with other things. She went out and found a lot of things that I might like to wear to the funeral ... and more. I ended up spending on my WF card. Bad. I know. But honestly, even though I may say I don't "need" anything, I really do. My clothes are looking old and ratty. The t-shirt I'm wearing today is about five years old and has holes visible to me around the waistband.
I bought some badly needed jeans as the ones I wear all the time look trashy at the ankles. When I spent the last $130, I told her, "NO MORE SHOPPING!" I love her and am grateful that she took the time, she really knows what looks good on me, but seriously. No more!
I spent about $350 but it sure was nice to have proper attire for the funeral and to spend time with family who I see once every couple of years, wearing clothes that were in decent shape.
So...with that being said, my new plan is to pay off Capital One 1 and then back to WF. My March budget should be posted within a few days. It's already on paper.
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