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About this blog

Our journey to get out of BS 2. 

Entries in this blog

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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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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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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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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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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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

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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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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    

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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)

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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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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

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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 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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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

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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

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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

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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

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Plasma and Cancer

I just put myself in a weird situation. I've been donating plasma and they give you a debit card for payment. When you're new, the payment schedule is  1st donation: $60 2nd donation $75 3rd donation $60 4th donation $75 ect,, for like the first 6 donations or something like that.  Then, it drops to $35 and $45 thereafter.   The thing about the debit card is that it has fees and some rules: The first transaction is "Fee-free." but there are fees for A

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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

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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

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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

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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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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

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