I went to the store yesterday and bought a few things. I can't find my receipt right now so I'll have to come back and post.
My friend and I also made a trip to Costco and all I bought there was EV Olive Oil for $13.38. My BF will give me half ($6.69) of this since we both use it. The question is when will I get it back! Off to the pile of receipts he owes me for.
After Costco, we went to Bed Bath and Beyond because after buying herself a down pillow at Costco, she needed a pillow protector. While there I picked up the rubber pastry brush I need. I was hesitant to pay the $6.99 that it was marked plus tax, but when I took it to the cash register, it was only $3.xx! Sweet!! At another store I found a spatula that only cost me $2.50 plus tax. The one I've been using needs to go.
Yes, I also went shopping for ebay stuff today, BUT I only spent about $16 so that's good, considering I usually spend at least $100 at a time!
When all our shopping was done we went for coffee. It didn't cost me anything since I had a gift card from my birthday and I just put it on that.
Oh, I almost forgot, we also went to the office supply store since I had a gift card there too. The gift card was expiring yesterday so I wanted to use it. I bought some ink cartridges (that I plan to return), but what I really want is a chair, mine pops and just plain sucks. I'll watch for sales and use another gift card and coupon I have to get a new one. Hopefully this works out. The chair I'm using has been around for about 9 years and cost me $10 after rebate...it's leather too!
Since it's February 1st, I'll come on later and post my budget for this month.
Showing posts with label ebay. Show all posts
Showing posts with label ebay. Show all posts
Sunday, February 1, 2009
Sunday, January 25, 2009
Yeah! Sold more!
Once again I was happy to sell another one of the items I picked up at the grocery store a couple of days ago! This time the profit was better, $9.00 :) Once the money is available in my checking account, I'll transfer it to the WF card I used to pay for it all, including the profit.
Also, once there is money in my bank account, I'll update the totals on the side :) ------->
Tick, tock, I get so impatient on the weekends because money is never automatically transferred to my bank account, either by direct deposit or PayPal :(
Also, once there is money in my bank account, I'll update the totals on the side :) ------->
Tick, tock, I get so impatient on the weekends because money is never automatically transferred to my bank account, either by direct deposit or PayPal :(
Thursday, January 22, 2009
Car insurance, ebay and rambling
I just realized today when I went to make a partial payment for my car insurance that I am a month behind. I need to pay $122.34 by Sunday. BUT...this is do-able, since I am waiting for money to be transferred to my bank account from PayPal for ebay stuff that sold.
Today wasn't a busy ebay day, only sold 3 things with a profit of just over $20. It all adds up though and that's what I count on!
I really don't know how long it is going to take me to be debt free. I'm not really willing to live on rice and beans, not go to dinner with the girls once a month, rent movies on occasion, you know, all the things people do when they REALLY try. Been there, done that, didn't last, don't want to do it again.
What I am willing to do is think before I buy, which I've been doing for a while, and have a budget set. I used to buy things just because I wanted them or they were cute. But really, if you asked me right now if I NEED anything...I don't think so. Sure, it would be nice to have a better printer, nicer kitchen knives, um, that's about all I can think of right now...but...I don't NEED them. They are WANTS, and I can live with that.
My clothes aren't really that nice, I don't look for designer brands when I shop, it's not about that for me. I like pretty things, but buying stuff for the label feeds the ego. If I find something that I like and it's well made (name brand or not), it's worth it to me.
The fun thing about selling on ebay, for me, is that I get to go shopping...ha, listen to me, I "get to go shopping," and spend money, but I resell over 90% of what I buy. AND, I only buy things on sale! I feel like this fulfills my desire to shop.
As I mentioned in my last post (I think), if I could only get the stuff I buy listed for sale, I'd be in better shape...financially and mentally! So much clutter gets to my head.
Guess I better get to putting stuff in my ebay store! Good luck to you if you are selling on ebay :)
Today wasn't a busy ebay day, only sold 3 things with a profit of just over $20. It all adds up though and that's what I count on!
I really don't know how long it is going to take me to be debt free. I'm not really willing to live on rice and beans, not go to dinner with the girls once a month, rent movies on occasion, you know, all the things people do when they REALLY try. Been there, done that, didn't last, don't want to do it again.
What I am willing to do is think before I buy, which I've been doing for a while, and have a budget set. I used to buy things just because I wanted them or they were cute. But really, if you asked me right now if I NEED anything...I don't think so. Sure, it would be nice to have a better printer, nicer kitchen knives, um, that's about all I can think of right now...but...I don't NEED them. They are WANTS, and I can live with that.
My clothes aren't really that nice, I don't look for designer brands when I shop, it's not about that for me. I like pretty things, but buying stuff for the label feeds the ego. If I find something that I like and it's well made (name brand or not), it's worth it to me.
The fun thing about selling on ebay, for me, is that I get to go shopping...ha, listen to me, I "get to go shopping," and spend money, but I resell over 90% of what I buy. AND, I only buy things on sale! I feel like this fulfills my desire to shop.
As I mentioned in my last post (I think), if I could only get the stuff I buy listed for sale, I'd be in better shape...financially and mentally! So much clutter gets to my head.
Guess I better get to putting stuff in my ebay store! Good luck to you if you are selling on ebay :)
Tuesday, January 20, 2009
A Girl in Debt
I got my first line of credit when I was 18. It was for a furniture store and they gave me something like $2,000! WOW! What a feeling!! That day, I used it all to purchase TV's, a dishwasher, microwave, stove, radio and I think a refrigerator. I can't remember anymore.
Once I got that line of credit established, I went to Mervyn's and they gave me a line of $200. From there, I went to more and more places and ended up with cards to Dillard's, Victoria's Secret (yikes!), Macy's, and more that I just can't remember. This was many years ago.
I managed to rack them all up and thought I had things under control...uh huh, right... Over time I was able to pay off most of them. Then I opened up new accounts to other places and acquired new credit cards. You know how the story goes.
Over the years I did my share of transferring balances to cards which offered me lower interest rates which brings me to the current day.
I currently owe 4 credit card companies and the same furniture store. The furniture store was paid off a long time ago for the initial $2,000... as well as many other hundreds I charged over the years.
To add to this debt, I also owe a PERSON. To me, this is one of the worse debts to have. I feel guilty when I owe a real person money rather than some huge multi-billion dollar lender. And then there's the car payment.
So, here's the rundown:
$172.47 Furniture Store (21.75%)
$500.00 Dentist (0%) -- My last payment will be in March!
$966.93 Wells Fargo (17.24%)
$926.05 Capital One 1 (10.41% -- Down from 12.42% on my Dec. statement!!!)
$1,740.00 Personal (0%)
$2,213.75 Capital One 2 (3.99%)
$5,476.52 Car Loan (7.5%)
$12,192.00 American Express (7.99%)
$24,187.72 TOTAL
Once I have paid these debts off, I plan to keep two of the cards: Wells Fargo and American Express. Why? Well, the American Express card earns 1-2 skymiles for each dollar I spend and the Wells Fargo card 1 point for every dollar I spend. I figure I should keep a VISA and AMEX and use what is accepted, such as to pay car insurance, cell phone, utilities, etc. Trust me, after the mess I've been in for YEARS, I do not EVER want to owe credit cards again!!! I would pay the cards as I use them, and only if I have the money available, sort of like a debit card.
Yes, I know that both cards charge me fees, AMEX charges me yearly for having a Platinum card and Wells Fargo $19/year for the reward program which I'm ok with. Normally I cash the points in on the WF card for money!! The reward/point system on the WF card is better than the one tied to my bank account debit card. The skymiles on the AMEX card have come in very handy over the years for flights that I didn't have the money for.
Who knows, maybe when this is all done, I won't want the cards anymore!
Anyhow, my plan is to pay the smallest debt first, that would be the furniture store. Next I plan to focus on Wells Fargo. The dentist will definitely be paid off in March...they charge my card on the same day every month so I have to make sure to pay the CC or it won't go through!
One my dentist bill is paid, then I will have more money each month to put towards the CC debt.
I've recently set up a budget for myself and will see how well I can stick to it.
I work about 30-33 hours a week at my "day job" and do ebay for my part time job. When I receive payments from buyers on ebay, I will apply the profits to a bill that is due during the current month whether it be a utility, car insurance or credit card. I used to have a bit of a different system but am going to try this.
The fees that ebay charges get put into an ING account until they are due, that way I don't have to scrape at the last minute to pay the piper. I love ebay! But hate the ridiculous fees!
I buy things to sell them on my ebay store, so, I need to figure out a way that I can still do this AND pay off the credit cards since I usually use the cards to buy the stuff. It should all work out...if I can just get the stuff I have to sell, listed.
Alright, this is a long first post, and I've covered the basics, I think.
Oh, and I won't uncover my identity. I'm chosing to do this blog anonymously :)
♥ A girl in debt
Once I got that line of credit established, I went to Mervyn's and they gave me a line of $200. From there, I went to more and more places and ended up with cards to Dillard's, Victoria's Secret (yikes!), Macy's, and more that I just can't remember. This was many years ago.
I managed to rack them all up and thought I had things under control...uh huh, right... Over time I was able to pay off most of them. Then I opened up new accounts to other places and acquired new credit cards. You know how the story goes.
Over the years I did my share of transferring balances to cards which offered me lower interest rates which brings me to the current day.
I currently owe 4 credit card companies and the same furniture store. The furniture store was paid off a long time ago for the initial $2,000... as well as many other hundreds I charged over the years.
To add to this debt, I also owe a PERSON. To me, this is one of the worse debts to have. I feel guilty when I owe a real person money rather than some huge multi-billion dollar lender. And then there's the car payment.
So, here's the rundown:
$172.47 Furniture Store (21.75%)
$500.00 Dentist (0%) -- My last payment will be in March!
$966.93 Wells Fargo (17.24%)
$926.05 Capital One 1 (10.41% -- Down from 12.42% on my Dec. statement!!!)
$1,740.00 Personal (0%)
$2,213.75 Capital One 2 (3.99%)
$5,476.52 Car Loan (7.5%)
$12,192.00 American Express (7.99%)
$24,187.72 TOTAL
Once I have paid these debts off, I plan to keep two of the cards: Wells Fargo and American Express. Why? Well, the American Express card earns 1-2 skymiles for each dollar I spend and the Wells Fargo card 1 point for every dollar I spend. I figure I should keep a VISA and AMEX and use what is accepted, such as to pay car insurance, cell phone, utilities, etc. Trust me, after the mess I've been in for YEARS, I do not EVER want to owe credit cards again!!! I would pay the cards as I use them, and only if I have the money available, sort of like a debit card.
Yes, I know that both cards charge me fees, AMEX charges me yearly for having a Platinum card and Wells Fargo $19/year for the reward program which I'm ok with. Normally I cash the points in on the WF card for money!! The reward/point system on the WF card is better than the one tied to my bank account debit card. The skymiles on the AMEX card have come in very handy over the years for flights that I didn't have the money for.
Who knows, maybe when this is all done, I won't want the cards anymore!
Anyhow, my plan is to pay the smallest debt first, that would be the furniture store. Next I plan to focus on Wells Fargo. The dentist will definitely be paid off in March...they charge my card on the same day every month so I have to make sure to pay the CC or it won't go through!
One my dentist bill is paid, then I will have more money each month to put towards the CC debt.
I've recently set up a budget for myself and will see how well I can stick to it.
I work about 30-33 hours a week at my "day job" and do ebay for my part time job. When I receive payments from buyers on ebay, I will apply the profits to a bill that is due during the current month whether it be a utility, car insurance or credit card. I used to have a bit of a different system but am going to try this.
The fees that ebay charges get put into an ING account until they are due, that way I don't have to scrape at the last minute to pay the piper. I love ebay! But hate the ridiculous fees!
I buy things to sell them on my ebay store, so, I need to figure out a way that I can still do this AND pay off the credit cards since I usually use the cards to buy the stuff. It should all work out...if I can just get the stuff I have to sell, listed.
Alright, this is a long first post, and I've covered the basics, I think.
Oh, and I won't uncover my identity. I'm chosing to do this blog anonymously :)
♥ A girl in debt
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