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About this blog

Our journey to get out of BS 2. 

Entries in this blog

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

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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

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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

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Chérie

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

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Chérie

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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Chérie

Work and Bracelets

I actually had lunch with the big boss last week for being a top performer. He asked about them. I told him that they represented the debt that I accrued by making silly decisions. I followed it up by saying that after analyzing the data I realized that needed a plan to address it. The bracelets simply provide a creative visual for me to stay focused.  Then, I tied it into my performance at work "These bracelets have actually have been saving this company a lot of money... I sta

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Chérie

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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Chérie

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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Chérie

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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Chérie

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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Chérie

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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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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Chérie

"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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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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Chérie

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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Chérie

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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Chérie

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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Chérie

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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Chérie

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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Chérie

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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Chérie

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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Chérie

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