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About this blog

Our journey to get out of BS 2. 

Entries in this blog

WINDFALL BLISS!!!

WINDFALL BLISS!!!!!!!  We had a site-wide meeting today and they were giving out HUGE checks to the top performers!!!  I was not expecting to get called up to receive a check... but I did!!!! They called me up for being a top performer for my metrics! That check was for an amazing $1,250!!!! While I was standing in front of everyone with this huge check, trying not to cry, they called my name AGAIN for "Best Overall Quality in the Enterprise" WOW!!!!!  Tha

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Hosting Friends and Talking Budgets

We had some friends drive out to visit us this past week. They actually ended up saving us more money than anything. They bought toiletries, water and lots and lots of food!  I have all of my debts listed on a BIG white board in the nook that's supposed to serve as a dining room (I guess). The board has notes about what to consider in the budget for next month, goals for the current month, and sometimes it'll have notes to Spouse since we are rarely home at the same time. It also has the pr

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Starting on the Car!

I called my lender for the car to see what the process is for applying a payment to the principal amount (since I'll be doing that A LOT moving forward).  Apparently, I have to call them 2 days after making the payment so that it posts to the account and they can apply the amount I want to the principal. I guess I'll be calling them every two weeks!  We are on AutoPay that just pulls the regular monthly total, no matter what ($284.98). I guess we must've paid extra a while back because

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Amazon PAID OFF!!

DONE and DONE!  I couldn't wait to throw the snowball at the Amazon card!!! Plus, most people throw their snowball right away anyway. I usually like to hold onto it until my hands are on the next one.... but the credit card foolishness had to come to an end!  I just made a payment of $947.14 to pay off the Amazon card!  That will mark the end of credit card debt!  I have paid off $13,401 in credit card debt!!!! When I started, 6 months ago, it was $13,050. No more high i

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Amazon is Goin' Down

I REALLY miss updating my signature. I'm going to do it here to get my fix   Please note that  LAST credit card has no more commas! I'm not sure if I shared this, but my last monthly goal was to get the Amazon card to $1,000  by the end of July's 2nd budget period (which was Aug. 3rd). I didn't think I was going to reach it, but I did!!!!! I try to set some of the goals just out of reach to keep my Gazelle feet moving! So proud!!  The goal for Aug. is to have the Amazon card paid

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Paying in Cash

I want to share something that I got to do with cash, that I had never done before.  Spouse's phone was a lease and was given back about 2 weeks ago. We have an old iPhone 5 that still worked; Spouse was going to use it until we had finished budgeting for a phone she wanted. I told her she could pick any fancy new phone she wanted because she's been pretty great about the budget for the past 6 months. I said we would probably have to budget for 3 months.  Well, the phone kept tur

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Interview #3

Sometimes I think my job WANTS to catch you off guard! I had my last interview on Monday. Since then, I've had another casual type of interview with the other boss of the building.  That one did go really well. Then, I went to work on Wednesday for overtime before my shift. *Note* I ALWAYS schedule my overtime to end 2 hours before the start of my regular shift so that I can go home, walk Bubbles, and relax a bit before going back. I like to take a nap and pretend that I am w

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Updates: FPU and Work

I had not posted about Week 4 of FPU because I didn't really get all excited about it. Here's the Updates on FPU Weeks 4 and 5. Today, was Week 6, but Spouse is traveling so it's just me. Week 4: Buyer Beware *small group discussion* Question 2: What was the last ting that caused that Red-faced grocery store kid inside of you to wake up and scream, "I want ONE"? Did you give in? Spouse: I think it was the FIFA game that I bought. Ho5wever, I did wait for the price to go down

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Unplanned Interview

OMG! I had an unplanned interview today! No makeup, no cute hair, no super professional suit.... NOTHING! I got to work today and was told that I am having my 2nd interview today. It was supposed to be for NEXT WEEK! So, I put down the coffee, scouted out some gum (for the coffee breath), ran to the bathroom, to check my hair, and became VERY thankful that my outfit was more on the business side than business casual.  It's funny because I always say, "It's not about the luc

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The Starting Line

*** I am moving my forum posts to the blog to keep up with my journey*** Where to start?    I am $90K in debt. What a daunting place to start, huh?   Here it is... in all of its treacherous glory. (I've rounded the change for the list, but the total includes every penny)   Credit Cards: Chevron     $2,266  Min. $80 Capital 1     $3,959  Min. $40 Amazon      $6,825  Min. $120   Non-Card Debt Car              $11,596  Min. $285

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Almost Forgot!

I forgot the most important part!    We were under budget by $388 for the first bi-weekly period and Spouse gave me $20 to throw with me regular snowball of $80 so I was able to make a payment of $488 toward the Chevron card today!!! 

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Responses about Family Life

Quoted from Clever Username: "Congrats on hitting the Starting line!Let's get out ahead of one thing. Your husband, the budget, his credit card and his second job. I like your thought if you get one thing from him, let it be the budget. But here's where credit cards get sticky. You lost me with the mine that his second income goes towards his credit card with a zero balance.This is not a debt question, this is a Budget question. Refuse to talk about it in debt language. These are expense

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Little win with Spouse!

Great news x2!! So it's great, GREAT news!  1) Work is doing an overtime incentive that I plan to take full advantage of! $10/hr extra for any hours from 41-45 and $15/hr extra for anything $45+ hrs. Since I get commissions, my hourly is only $13.75 so this is really great! Plus, I was going to work overtime anyway. Sure, why not get MORE money for it!! 2) I asked Spouse if they would be willing to read TMMO anytime in the near future. "Yeah, sure. I'm doing a reading challenge and I d

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Take THAT Chevron!

With all the great news, I figured Now was as good a time as any to throw the snowball!! I just made an Ahhhhhmazing payment of $1,134.00 to that silly ol' Chevron Card! I planned to wait until Payday (March 3rd) to figure out what would be left after the budget. But I just couldn't! It's ALL SNOWBALL Baaaabby!!    Also, I felt like I was falling behind. I didn't want my ONLY payment in Feb. to be $488.   So, here's the breakdown of this payment:   Budgeted snowball

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Counting eggs (checks) before they hatch

The check that I'm getting on the 3rd of March will cover dates from the end of January. So, it will be the last check before I went Gazelle! You can tell by the measly 4.5 OT hours (over 2 weeks). However, with my OT + Commissions, my snowball for this check will be a staggering $492!! The snowball for the following check is already at $297 without OT.    That means that no matter what, I'm getting this Chevron card PAID OFF by the end of the month! Wouldn't it be nice if we could all

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March 3rd: $88K and dwindling

I am so exhausted after this week's overtime, It's time for a milestone update!     I am $88K in debt! Still daunting, but doable.    Here it is... in all of its treacherous glory. (I've rounded the change for the list, but the total includes every penny)   Credit Cards: Chevron     $2,313  Capital 1     $3,920 Amazon      $6,730     Non-Card Debt Car              $11,724   Phone         $344          Student Loans    

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Spouse: Not Quite There Yet

Quoted from Kelvan 80   "What did DH say when you told him that first card was getting paid off?"   The response was laughable. This was literally the conversation:  Me: We have managed to not only save $1000, but I just submitted the final payment to the Chevron card! It's paid off!  Spouse: Good for you.    I let it go at first, but after we finally got to spend some time together, we did talk. Spouse was only bitter about me not sticking to the "budget" when they

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The Wedding

How strange things have become... I just got a wedding invitation from Spouses BFF. Instead of being all excited for them, I immediately thought, "This is going to be expensive."    Geez...    If I'm being completely honest, I don't want to go. Not because I don't love Alex to pieces, but because I don't want to be thrown off track. If it were a wedding in the same state, fine... I'd get a dress from the thrift store, some shoes that I could stand wearing for a few hours, bud

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"Shopping"

My job was running a lot of incentives this past week. I finally got to redeem the cards that I won. I have two $10 Cold Stone gift cards and three $10 Wal-Mart gift cards. I also got 2 free movie tickets.  Yesterday, Spouse and I went to the book store for Spouse to spend their blow money. I went "shopping" and found a few books that caught my interest. After carrying them around the store for a while, I "checked out" by putting them on hold at my library and put them all back! As we

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Wedding Talk

Quoted from Mary  So how did the talk go on Friday?   Spouse will cover the expenses to get there. Getting back will be budgeted out. I also have a plan to cover the wedding gift. I just won a Sound Bar with a wireless Subwoofer from my job, so that will be their wedding present for their house. They have a wall-mounted TV so the Sound Bar can be mounted below it. The one I won sells for $199 and it was free (and non-taxable). So yay!!    Spouse has the task of pricing out

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Beating Up Capital One

I made a payment toward the Capital One card today for $486.   $120 was the regular snowball, $337 was budgeted, and  $29 is from being under budget. There's another category in the budget that we were under by $15 but I forgot about it in my calculations... So, I may be making a tiny payment of $15 after this one posts.   Capital One, your days are numbered! I actually called them today to update some info with them. I was talking to the agent who offered me a Rewards card.

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Reaching for the Stars

Since I've realized that I may not reach my low-end goal of getting the Capital One card under $2000 this month, I've decided that it isn't over until March 31st.  Tonight, I've started cleaning out my closet to look for things to sell. I didn't come up with much since I really like throwing things out. When we moved (9 months ago), I threw out so much stuff that I didn't need. Spouse is always telling me that I'm going to throw out too much and regret it one day. I'm not regretful... ok, m

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Grocery Shopping

I just wanted to say that I am soooo proud of Spouse!  Spouse wanted to take over grocery shopping. Fine by me! Spouse went shopping for the last 3 weeks with Envelope in hand. I wasn't too thrilled last week when we didn't have eggs because "they weren't on sale."  I came home today and Spouse is beaming! "Look in the fridge! I got eggs! I ask got cake, stuff for smores, and STEAK..."  Umm... I was getting worried. LoL Spouse says, "... and you can't get mad because I have $

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UPDATE

I just made a payment of $801 to the Capital One card. That one extra dollar means that I reached my low end goal of getting the balance under $2000.   So, here's the update!   Credit Cards: Chevron     $2,313  Capital 1     $1,999 (down by $1,921 since last update) Amazon      $6,634 (down by $96)   Non-Card Debt Car              $11,724 (down by $236)  Phone         $344      (down by $24)   Student Loans     Loan 1       $4

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Debt Bracelets

Here are my debt bracelets!  I ended up doing one for each debt instead of the original plan to do them representing $10K each (9 would've been a bit much).  The big fat one is my loans since it's the biggest debt. Our car is grey so I put grey in that bracelet. The Amazon card was green and Capital One is blue so they are color coordinated as such.The skinny one is for the phone since it's the smallest debt.  I can't wait to start cutting them off as they get paid!!!!

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