Yesterday I sold some things to my aunt for a total of $25 and made $14 profit. Since I now have some extra cash, I paid another $20 to the Furniture Store so my balance is $70.xx! I'm so close, it will be paid off next week!!! •••Update: The bill just came and with interest, I owe $73.97•••
I did spend money yesterday on my BF on food and soda, about $5. I'm sure he'll pay me back :)
Saturday, January 31, 2009
Friday, January 30, 2009
Furniture Store is under $100!
I'm so excited that I am now under $100 owed to the Furniture Store! I just paid another $40 that was in my bank account from PayPal (ebay). My balance is $90.63 so I will have it paid off really soon and then can work on my WF card.
Live Music!
I went to a concert last night and it was fun! The best part is that it was FREE!!!! I didn't spend a penny, not one.
On the way home, I was soooo hungry and tempted to get some fast food. My stomach was telling me "yes," my mind was telling me "no." I listened to my mind.
All I spent money on today was to send a fax, it cost me about $1.40.
On the way home, I was soooo hungry and tempted to get some fast food. My stomach was telling me "yes," my mind was telling me "no." I listened to my mind.
All I spent money on today was to send a fax, it cost me about $1.40.
Thursday, January 29, 2009
Today's PayPal deposits
Today I had a deposit in one of my bank accounts from PayPal of $46.xx. I decided to put $10 towards oil / oil change for my car and $15.00 towards contacts since the next time I get them I will need to buy two boxes. This leaves me with around $20 to pay something.
In my other, secondary checking account, I had a deposit of $28.xx come through from PayPal. With this money I paid $9.00 (there was some change in my account) to the Furniture Store and $20 to AMEX. So, combining the $9 from this account and the $20 left over from my primary checking account, I paid $29 towards my Furniture Store account since that is the first I want to be paid off.
Tomorrow I should have another $40.xx from PayPal, but since it has been slow on ebay, the days that follow won't have any deposits :(
In my other, secondary checking account, I had a deposit of $28.xx come through from PayPal. With this money I paid $9.00 (there was some change in my account) to the Furniture Store and $20 to AMEX. So, combining the $9 from this account and the $20 left over from my primary checking account, I paid $29 towards my Furniture Store account since that is the first I want to be paid off.
Tomorrow I should have another $40.xx from PayPal, but since it has been slow on ebay, the days that follow won't have any deposits :(
Darn, no sales and a vacation in the near future?!
I think I've jinxed myself as far as ebay goes! The last two days, Tuesday and Wednesday were terrible!! Hoping for a better day.
So Wednesday I almost went to a concert for a friend's birthday, but it turns out that the concert was sold out. Whew! Lucked out on that one ;) Don't get me wrong, I would have LOVED to go, but I saved about $50 so that's what I'm happy about.
Another thing that saved me money was, not going out to a last minute dinner with another couple of friends. I missed their call to meet for dinner and when I got back to them, they had already gone. That also saved me some $$$!
But...they want to plan a trip to Vegas in March! Good thing is that my friend works for the airlines and we can get "buddy passes" for $35 each, round trip. Then we'll split the hotel, go for the weekend and have a nice little mini vacation.
I think I'll have to dip into my emergency fund and pay it back. Not that a vacation is an emergency, but...how can I not go when the flight is only $35?
So Wednesday I almost went to a concert for a friend's birthday, but it turns out that the concert was sold out. Whew! Lucked out on that one ;) Don't get me wrong, I would have LOVED to go, but I saved about $50 so that's what I'm happy about.
Another thing that saved me money was, not going out to a last minute dinner with another couple of friends. I missed their call to meet for dinner and when I got back to them, they had already gone. That also saved me some $$$!
But...they want to plan a trip to Vegas in March! Good thing is that my friend works for the airlines and we can get "buddy passes" for $35 each, round trip. Then we'll split the hotel, go for the weekend and have a nice little mini vacation.
I think I'll have to dip into my emergency fund and pay it back. Not that a vacation is an emergency, but...how can I not go when the flight is only $35?
Wednesday, January 28, 2009
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.
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.
Payment Calculator
I found an online calculator where you can enter your balance, interest, annual fee and what you want to pay each month OR when you want to pay the card off. It does the rest for you. I know there are a lot of these all over the internet, but this one didn't give my browser any problems...and I like that!
http://www.capitalone.com/calculator
http://www.capitalone.com/calculator
Note to self...pay AMEX and WF back...tomorrow!
Today I put $18 on my Amex card at the Post Office for ebay stuff I had to send. The good thing is that the buyers paid for shipping, not me. I used my card because I get double miles at USPS when I use my AMEX card and I want to rack up those skymiles!! •••DONE•••
Did you know that you can only make one payment to American Express in a 24 hour period? I think Capital One is like that too.
Tomorrow I will pay the card back when transfers are in my bank account. Also, I'm going to pay my WF card the amount of the profit from the stuff I sold on ebay that I used this card to buy. After shipping the stuff, I figured my profit was about $27. :) •••DONE•••
Hoping my paycheck is direct deposited tomorrow!! Can't wait to pay some stuff.
Did you know that you can only make one payment to American Express in a 24 hour period? I think Capital One is like that too.
Tomorrow I will pay the card back when transfers are in my bank account. Also, I'm going to pay my WF card the amount of the profit from the stuff I sold on ebay that I used this card to buy. After shipping the stuff, I figured my profit was about $27. :) •••DONE•••
Hoping my paycheck is direct deposited tomorrow!! Can't wait to pay some stuff.
Tuesday, January 27, 2009
Tasty dinner
My dinner today was a last minute decision. When the BF and I went shopping for groceries a few days ago we bought a package of eight chicken thighs which cost a few dollars. I had plans to make some crock pot chicken.
Anyhow, since I've not been in the best of moods lately I didn't even want to cook. But I did.
I wanted to see if I could make breaded chicken without using Shake 'n Bake. I pre-heated the oven to 400 degrees to get started. Out came the store brand bread crumbs that have been sitting in the cupboard, unopened, forever. Then I pulled out other spices and herbs. I put all the dry stuff in a bag.
In one bowl I added some milk, in another bowl, EV Olive Oil. I pulled out the chicken and dipped it in the oil, then the milk, then put it in the bag of spices/bread. Once I had the four pieces in there, I shook the bag.
The four chicken thighs went onto a cookie sheet and into the oven for about 45-55 minutes. After 30 minutes I lowered the heat to 350.
Mmmmm, mmm, mmm! Sooo good! My BF and I loved it!! He told me to write down what I did so I can make it again. :) We also had a baked potato and (canned) green beans.
Cheap and healthy, I'm happy about that.
Next shopping trip: Rubber oil brush and more EVOO.
Anyhow, since I've not been in the best of moods lately I didn't even want to cook. But I did.
I wanted to see if I could make breaded chicken without using Shake 'n Bake. I pre-heated the oven to 400 degrees to get started. Out came the store brand bread crumbs that have been sitting in the cupboard, unopened, forever. Then I pulled out other spices and herbs. I put all the dry stuff in a bag.
In one bowl I added some milk, in another bowl, EV Olive Oil. I pulled out the chicken and dipped it in the oil, then the milk, then put it in the bag of spices/bread. Once I had the four pieces in there, I shook the bag.
The four chicken thighs went onto a cookie sheet and into the oven for about 45-55 minutes. After 30 minutes I lowered the heat to 350.
Mmmmm, mmm, mmm! Sooo good! My BF and I loved it!! He told me to write down what I did so I can make it again. :) We also had a baked potato and (canned) green beans.
Cheap and healthy, I'm happy about that.
Next shopping trip: Rubber oil brush and more EVOO.
Money ramblings
I made a couple of payments within the last couple of days but haven't updated my balances because the totals on their website have not been updated. I'll check them and see what they are now. ***Not updated yet, I'll update when they are current.
Oh, and I've paid back my WF card about $90 of the $131 for things I bought at the store the other day for ebay. I'll pay more once I know what my profits were on three of them...and once the money is transferred from PayPal to my checking account. Currently, I have less than 10 cents in my account :( and only $14 in another bank account. Tomorrow I'll have more :)
For the last couple of months I didn't pay the Furniture Store. I didn't realize it had been so long and every time I tried to log into my account online I put in the wrong password. Eventually it locked me out.
Well, about a week and a half ago I went to that store and made a payment to bring my account current. Little did I know that only $20 of my $40 payment would go to my balance because they charged me a $20 late fee. It won't happen again! In fact, that will be the first bill to go (in February) when all other bills are paid, since it's the smallest balance.
Once the furniture store is paid, I'll focus on the WF card. Originally I wanted to eliminate the Capital One (1) card because of the balance, but WF charges me a higher interest rate by about 7%. I also like to use this card for things I have the cash for because I earn points with them. -- I'm almost eligible for a $100 cash reward, but I might rack the points until later...I'm undecided on that.
Oh, and I've paid back my WF card about $90 of the $131 for things I bought at the store the other day for ebay. I'll pay more once I know what my profits were on three of them...and once the money is transferred from PayPal to my checking account. Currently, I have less than 10 cents in my account :( and only $14 in another bank account. Tomorrow I'll have more :)
For the last couple of months I didn't pay the Furniture Store. I didn't realize it had been so long and every time I tried to log into my account online I put in the wrong password. Eventually it locked me out.
Well, about a week and a half ago I went to that store and made a payment to bring my account current. Little did I know that only $20 of my $40 payment would go to my balance because they charged me a $20 late fee. It won't happen again! In fact, that will be the first bill to go (in February) when all other bills are paid, since it's the smallest balance.
Once the furniture store is paid, I'll focus on the WF card. Originally I wanted to eliminate the Capital One (1) card because of the balance, but WF charges me a higher interest rate by about 7%. I also like to use this card for things I have the cash for because I earn points with them. -- I'm almost eligible for a $100 cash reward, but I might rack the points until later...I'm undecided on that.
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