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Paid off the Phone

Today is bittersweet. My co-worker who was going to the FPU classes with me quit her job today. She still had another week left, but our boss said she could go today if she wanted some time off before starting her new job. So she left  She was my work-wife and I miss her! She's the one that has cut off my last bracelet when I paid off my Capital One card   I paid off the phone today!   It's after midnight so I let my friend who is visiting help me celebrate. Her son cut off t

Chérie

Chérie

 

FPU Week 4

FPU Week 4. Dumping Debt.   Spouse seemed to be all ears. I really do appreciate that SHE (I'm making an effort. LoL) seems to pay attention and not just playing on her phone or something like that.   *Getting into small groups*   Spouse: How many questions are there (to discuss)? Me: Just 2. Spouse: Yay!   Question 1: What would you do if you were completely out of debt? Me: I would save for our FFEF and for a house, and retirement so that

Chérie

Chérie

 

Coming Out

Warning: this post contains racism, death, and gay-ness. You've been warned.   I'm from New Orleans and I am white. Spouse is from Mexico and very brown (this is important later). While growing up, my family was very hatful towards people of color. I've seen hate stem from nothing more than the color of someone's skin. When I got a little older, I realized that some family members were part of the KKK. Mostly, it was my uncles, cousins, and grandparents. I knew I was "different" from a

Chérie

Chérie

 

FPU Week 3

FPU Week 3 This is the class I had been waiting for! Cash Flow Planning (aka the Budget lesson) I was thinking that Spouse was REALLY going to be inspired to jump on board! Up until this point, Spouse wasn't very interactive with the videos and, when it came to group discussions, Spouse kept it short and sweet. Well, Spouse was finally laughing at DR's jokes and was nudging me to stand up when prompted. I was GLOWING in my seat!    Group discussions start with the first quest

Chérie

Chérie

 

Baby Fever

Posted June 25    On 6/21/2017 at 8:26 AM, fpmomma said:  Cherie, I love your reports from FPU class.  Taking that class together was what changed our financial future forever. I was gung-ho and DH was going along to make me happy, but then he caught the "bug" too, and our conversations were forever changed in a great way, and we were finally able to talk about our money matters without arguing or blame-placing. We began to identify common financia

Chérie

Chérie

 

Update: $79K

UPDATE:  Credit Cards: Chevron     $2,313  Capital 1     $3,959  Amazon      $3,753 (down by $2,812 since May 26th update)   Non-Card Debt Car              $10,775 (down by $239)  Phone         $18        (down by $18)   Student Loans     Loan 1       $4,039   (down by $3)  Loan 2       $4,962   (down by $2) Loan 3       $8,160   (down by $3)     Loan 4       $5,547   (down by $6)

Chérie

Chérie

 

Yay!

On 6/20/2017 at 7:29 PM, cadberry said:  Cherie - thanks for the update from this week's FPUlesson, and yay for DH listening on his own. ______ Thank you for caring about my FPU updates! This week is going to be the budget lesson and I am soooooo excited!!! After doing the reading from the Complete Guide to Money, I realize that the book is almost verbatim of the video so I thought Spouse would skip the reading part of the homework, but I found that the b

Chérie

Chérie

 

FPU week 2

Week 2 of FPU: *watching DR talk about marriage and unity and BOTH of us contributing to the budget* DR: Free Spirits, raise your hand... Me: *looks over and nudges Spouse to participate* Spouse: I'm up! Me: Were you sleeping???!?  Spouse: Not anymore. Was I snoring?  Me: I hope you enjoyed your nap because we are going to watch the whole video again when we get home.  Spouse: DR said you, "The Nerd" are controlling me, the "Free Sp

Chérie

Chérie

 

Coming in Under Budget

2 weeks ago, when Alicia had the rental car that broke down, Budget had to charge her for another car but they told us that we would get a refund for that amount and also give us a partial refund since she had to leave the car in Montana and not do a round-trip like we originally planned. Well, the refund posted today and it was more than we expected!  With that, we came in $233 under budget for the wedding! Sooooo excited! We ended up only spending $96.19 (+ $7 on gas that we just tacke

Chérie

Chérie

 

FPU Week 1

Day 1 of FPU: I think I'm in for some kicking and screaming.... well, the adult version of it anyway. Classes are Saturday evenings. We were running errands prior to the class.   Spouse: How long is it going to be? Me: About an hour and a half or so. Spouse: I thought you said it was only an hour! Me: I said the videos are an hour.    *later*   Spouse: Can we leave after the video? Me: No Spou

Chérie

Chérie

 

Murphy.... Oh Murphy...

Quoted from Gemma:  I have loved reading this thread! You are doing such a great job focusing and eliminating those debts, one by one! You were at $90K when you started this thread and you already have $80K in your sights! Amazing! I've been a member of this forum for many years and haven't posted in ages but had to jump in to give you my congratulations and encouragement as you carry on in this journey. You won't regret it. The peace debt freedom provides is unparalleled! I think your

Chérie

Chérie

 

Off to the Wedding!

Y'all are great! I have a different co-worker that I'm dragging along with me also. She's 20 years old with minimal student loans (less than $2,000) and no other debt. She can have soooo much money for retirement, so I hope that she gets just that ONE thing out of the class, it will be worth it for her! We are driving to Montana tomorrow morning. Wish me luck and send good vibes so that Murphy doesn't follow us to the wedding. I have my "wedding" envelopes in my purse and ready t

Chérie

Chérie

 

Thank You All

Thank you all for your encouragement! I L. O. V. E. this forum!!!!  FPMomma, You are sooooooo close to BS7! How exciting!!!! Chris and Kelvan, Thank you soooo much for even caring about my updates  I am so thankful to just have a place to come and share my progress. My friends at work are really starting to see that I'm "weird." Most of my family says, "that's nice" when I talk to them about what we are trying to accomplish. There's one guy at work that seems to be a little inspir

Chérie

Chérie

 

Update!

Credit Cards: Chevron     $2,313  Capital 1     $3,959  Amazon      $6,564 (down by $500 since April 29th update)   Non-Card Debt Car              $11,014 (down by $710)  Phone         $36        (down by $18)   Student Loans     Loan 1       $4,042   (down by $1)  Loan 2       $4,969   (down by $3) Loan 3       $8,163   (down by $4)     Loan 4       $5,553   (down by $6) Loan 5       $5,644   (down by $7)     Loan 6    

Chérie

Chérie

 

Good Bye Capital One!

Ok, so I couldn't wait any longer. I just made the payment for the Capital One card. It is completely paid off as of today! I'm so happy, I don't think I could sleep if you paid me! ----------------------------------May 26th------------------------------------------ I am so happy that I got to cut off the blue and white bracelet. The white was turning blue and dingy. I cut it off as soon as I left work on Wednesday since the payment finally posted!   It may sound

Chérie

Chérie

 

Bubbles/Work Again

Ok, for the promotion, they had me do the Wanderlick test and a few others during regular work hours. It took 2 hours to complete everything and I'm pretty confident that I did ok.... despite being told that I would be able to use a simple calculator only to find out that the policies had changed and no calculators were allowed during the testing phase. Anyway, the next step is to wait for them to contact me about an interview. My supervisor said that the entire process can take up to 2 mon

Chérie

Chérie

 

Bubbles and Work

Still waiting on test results for Bubble-licious. The results so far are best case scenario thus far. X-rays are clear, the cortisol suppression tests came back indicating that the tumors aren't producing their own cortisol (apparently, a good thing). I wish I could push the doctors along (read: clear up these clouds). Patience... ohmmmmmm In other news, I found out that my application for a new position didn't post. I'm going to work, on my day off, to meet with my HR rep to review my

Chérie

Chérie

 

Update: $84K and Shrinking

Here's the monthly update under storm cloud conditions. Credit Cards: Chevron     $2,313  Capital 1     $1,879 (down by $120 since last update) Amazon      $6,564 (down by $70)   Non-Card Debt Car              $11,724 (down by $472)  Phone         $54      (down by $290)   Student Loans     Loan 1       $4,043   (down by $3)  Loan 2       $4,972   (down by $3) Loan 3       $8,167   (down by $3)     Loan 4       $5,559   (down

Chérie

Chérie

 

Convo with Spouse

Spouse: Why is there so much money in the bank account?   Me: We're in storm cloud mode.   Spouse: *looks outside* It's not going to rain.   Me: $1000 was supposed to go to debt, but we're holding onto it in case Bubbles needs it for cancer treatments.   Spouse: We were going to pay $1000 toward the debt?   Me: *starts to cry* Yes... and all I want to do is pay off the card but I can't right now and it's so hard not to use it to pay the card. *So

Chérie

Chérie

 

Gave myself a talking to

I gave myself a good talking to, and now I think I am ready to conquer the mess. I have to get the clutter out of my house. Started yesterday moving a bunch of stuff, more to go tomorrow. I need to paint all the rooms (8 rooms and a stairwell), one at a time. I made a list of the rooms from worst to best, and I think that's the order to paint them in. I need to figure out how much paint and primer and stuff to get...thank goodness my sister and my dad are both good at that!   I just need

luchitasmom

luchitasmom

 

Divorce & Downsize

So this is more of an intense update since my last couple blogs. As the title of this entry implies... We are getting a divorce. I'm not going to go into it in loads of detail here, but it's something that needed to happen (regardless of how happy we may have appeared) and the decision will likely benefit both of us in the long term. We are being amicable, he still lives in the house today but we have a deadline date set for him to be moved-out by (Saturday June 3rd). He has plans to move his s

Gelly

Gelly

 

Cancer = Hoarding $$

Thank you all for your thoughts of Bubbles. She went to the Oncologist today who started a new set of diagnostics. I had started a sinking fund for Bubbles when we first got the news so I already had $400 dollars set aside for this. I'm hoarding my planned snowball and I was very surprised that the visit was only $580 with examination, aspiration, cytology testing. So, My snowball is smaller but still there. It makes me happy to know that my family vet didn't just send us to a specialist who is

Chérie

Chérie

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