Payday was Monday

Forgot to mention that Monday was payday and my current balance is now $4,231.xx! By the end of February, my balance should be around $2650. This includes income from my job, and housesitting. :) I'm looking forward to reaching this mini goal!

Also, I broke down (again) and bought a pair of beautiful shoes! These cost me $40 plus tax. I've been needing, yes needing, a pair like this for a long time.

Payday

Got paid yesterday and made a payment of $400.00 to my loan which brought my total balance to $5,240.xx and I have updated the sidebar.

Got paid

I forgot to mention in my last post that I got paid and put $320 towards by debt. That brings my balance down to $7,038. I'm still planning to be under $7,000 by the end of this year, which only gives me a couple of days, but I'm waiting for funds to make it to my bank account from PayPal - online sales. Then, I will have met this goal.

My real goal is to be out of debt by June, even if it is the last day. I think I can make it happen!

Another payday!

Another payday has come and gone. I have paid an extra $310.00 towards my car outside of my regular car payment this month. My sidebar has been updated regarding my car, but the AMEX is not up to date. I have been using my AMEX card for work expenses which I will be reimbursed for, and also some of my own that I need to pay from my checking account. Unfortunately I have not kept good records and need to backtrack now. I hope my balance is still around $11,350.00.

Once I make the time to go through receipts and collect what is owed to me, I will update. Also, I had a bit more housesitting to do and that means more money :)

Amazed

I honestly can't believe that I have been able to pay off almost $10,000 so far this year and that I have just over $14,000 to go! It truly is amazing to me. However, I can't help but think that if I didn't have any debts, this could have been money saved.

Today is payday so I paid a little more towards my car, $270.00. This brings my balance to $2,992.xx. It's such a great feeling to get paid, and after making the payment, see the balance get smaller.

Payday...and I'm broke!

Oh, how I ♥ paydays! It's funny though, because it's not that I'm excited to have money in my account so I can go shopping for things I really don't need. It's more exciting for me to know that I'm one step closer to being debt free!!

A couple of weeks ago, I set up a budget on Excel through the end of 2011. Yes, the year 2011. According to my figures, this is how long it will take me to become debt free. That is, of course, dependent on my income remaining where it is now and my expenditures also being stable, ie. rent, gas, electricity, food, etc. Also, I did not figure any money made through extra avenues such as ebay, the possible occasional yard sale, odd jobs, etc.

So, today I was happy to be able to go online, see the balance in my checking account and pay some bills. It's funny though, because I'm always broke even if I just got paid. I've turned down a lot of things lately such as going out to eat and buying things I normally wouldn't think twice about. My eating habits have changed, I'm eating homemade beans :) and they're damn good!!

Payday

My direct deposit paycheck came through today and the only bills I have left to pay this month are: Rent, Car, Food and Gym. That is a total of about $530 and my check was $720. I will pay an extra $150 to Capital One 1, but since I made a payment recently, their system won't let me make another payment.

Also, my rent isn't due until March 1st and my car payment until March 4th. So, I guess I'll just have to let this money sit in my account. Frustrating.

I'll use some of the extra money to buy things like a humidifier filter, Drano and other household items. No shopping for fun stuff!!

•••UPDATE••• Friday night I was able to make the $150 payment to Capital One 1 :)

Got paid -- updating sidebar

I got paid today so made payments and now have about $100 in my account. I'm going to hold on to this amount for a couple of days and decide where to apply it.

It's so hard for me to keep my sidebar totals updated accurately for a couple of reasons. One, I use my WF card to pay for some of my bills and then pay it right back. Two, payments take 2-4 days to show up on the account. I guess I will have to keep tabs on it like my checkbook register. This way I can mark the list off when a payment posts to the account. I need to be careful with this one because it's next in line to be paid off!

How I used my paycheck

YES! My direct deposit came through today, it was for four weeks even though I normally get paid every two weeks. There was a mix-up so I went longer without a paycheck.

It came to $1242.49 and this is how I spent it:

$275 Rent (My BF and I split it)
$73.34 Car Insurance
$220.00 Borrowed from ING (Amex)
$400.00 Borrowed from ING (trip)
$180.00 Car Payment (due next week)
$20.00 Personal Loan
$50.00 Food
$1218.34

This leaves me with $24.15. The $50 for food will be put aside until I need to use it and I hope I can make it last two weeks!

I've updated the sidebar ---> for the Personal Loan but not the car until it is paid and interest applied. That way I will have an accurate total up there.

Also, I used my WF card to pay for my car insurance but immediately made a payment to cover this and it won't be updated for a few days.

Had some money in another account from PayPal (ebay) so paid the furniture store $25.