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RachNJessDebtFree2B

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RachNJessDebtFree2B last won the day on July 8 2017

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About RachNJessDebtFree2B

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  • Birthday June 24

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    Female
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    Georgia

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  1. Love Dekalb's farmers market! Will need to check out Buford highway's netx.
  2. RachNJessDebtFree2B

    Dizzy yet?

    Welcome back!!! I think of I all the time.
  3. Are there consequences for suspending the Student Loan AutoDraft? How long do you intend to suspend the auto-draft? Are these your loans or his? I would hate for it to incur tons of interest on the back end. I hate SLs.
  4. I'm sorry this is still ongoing. Great work on joining AA. The accountability is so beneficial. Hugs to u and hope you're having a better day.
  5. Love the roadpro for heating up leftovers (or even a can of low sodium soup) when I had long commutes. It ensured I had a good clean hot cheap meal. http://www.amazon.com/RoadPro-12-Volt-Portable-Stove-Black/dp/B00030DLEE/ref=sr_1_1?ie=UTF8&qid=1434493846&sr=8-1&keywords=roadpro
  6. Hugs. That's so tough. I pray for a healthy and hospital free rest of the year for you. You deserve a break!
  7. I am glad to squeak in an entry in April. I've been a busy busy lady...as you can imagine! Things feel like they're falling apart but I believe we can focus and make the dollars behave. Feel free to read about my IRS stupid tax situation on my Sallie Mae/Navient thread. May budget is complete. All envelops are filled. 1. Money- KILL DEBT (lots of it!) and thereby increase net worth from -285K to -199K <-- we may make it at the end of May! a. Family Budget meeting on last Friday of each month and more frequently if needed- Here are the extra annual stuff that are due: i. Sam's club membership is due: $100 ii. Gym memberships are due: $257 for DH and $616 for me!!! wowza....DH can keep his....I'll pass. My gym is much fancier than his, however, the weather is great. I can run outside and use the apartment's gym for weights iii. Renter's insurance is due: $200 b. Fill cash envelops each month (or biweekly) .....LOVE the envelop system! Envelops have been lifesavers! Keeps us in check. I have been couponing again and toiletries are stocked! c. All additional income goes into snowball- On target! d. Look for ways to reduce current expenditures (cellphones, ugh)- I gotta get rid of AT&T....I REALLY gotta get rid of AT&T... e. Track spending and budget at least every other day!- Got a little lazy on this one. We are kind of on auto pilot. Must calc tithe for May and turn in paper check. Still coming short at the end of the month... f. (New) Complete 24 weeks of overnight work this year (we'll see how many I can do)- 10 down 14 to go!! 2. Enrichment- GET SMARTer and Spiritual-er a. Daily Devotionals- hit or miss....I'm kind of all over the place b. Listen to at least 1 book on tape per month (fiction and non-fiction)- made no progress on my reading....I'm at a standstill: Elenor and Park by Rainbow somebody (fiction) The Ragamuffin Gospel Strong Mothers Strong Sons c. Complete my required CEs (e-learning) for Board Certification (BC-ACP) c. Pass the Ready Certification required for my current job-done.... d (new). Complete all The Healthstream trainings - new ones for the hospital d. Sit for the exam in October (?) since job A is paying for it-this may move to 2016 e. Get SQL training - no progress f. Get ACLS certified - no progress 3. Support DH with business- nearly caught up on all the billing. Meeting with contractor to help with this on Thursday a. Help him do 1 marketing thing every other month.... -Gotta bill for April -Turn in board certification docs -Look into upcoming conference 4. Health-GET FIT a. Exercise- worked out 3 days per week - Success: 1 day on my on weeks and 3-4 days on my off weeks. b. Eat nutritious meals and stay within my caloric goal 6 days per week-packed all my meals for work every night. I eat clean consistently and am using Lose It to keep track of my calories...lost 18lbs! woot! -meal prep/batch cook every Sunday - uhhhh.............. c. Take Vitamins (if needed...I'll have to research this)- I have some b12 so far...I am thinking of using the "Alive! women" product. B12 has been helpful. I've only had 1 double shot in the last 2 months. No coffee either! d. (New)-Drink 8 glasses of water per day - drinking 9-10 glasses 5. Balance a. Family Board game night every other Friday or Saturday night- I've really gotta do better here.. b. Find a free outing once a month to do with the kids- ..... c. Date night with hubby every other week- Yesterday d. Sleep!! 7.25 hrs avg per fitbit.
  8. Sorry to hear about the layoff. I am glad that you have at least some clients. I believe God is in control and will make a way for you.
  9. I AM tired. But it's that accomplished fatigue....like running a 10K or a half marathon....it's brutal and awesome at the same time
  10. You're weird! In a good way! I aim to be weird in BS7.
  11. This week was R.O.U.G.H. I ended up at urgent care due to flu-like symptoms. All is well now. It took 2 days to recover....and I did not take a day off of work. We are doing well on the debt pay off front. We are working on loan #4 'stone man'. This loan, once paid off, would place in the less than -$200K category. This was our goal for 12/31/2015! We will have it done by June 2015. DH has been stoked about getting to this point and has always verbalized that it would be cruise control from there....NOW....he seems to be looking at 'Lizard man' and giving him the stink eye...yesterday, he stated....well, if he can get rid of $48K in 3 months, surely we can knock out $52K. I am so glad he has come to this realization, because my most hated nemesis is the one after lizard man... the evil sorcerer. He consumes the largest minimum payments of all $638 per month. It would mean that all funds would be focused on him. (The next one is just $200 per month...weird ninja govt student loan). We are very optimistic at our progress. No storm clouds yet, thank God. I look forward to when this is over. 1. Money- KILL DEBT (lots of it!) and thereby increase net worth from -285K to -199K a. Family Budget meeting on last Friday of each month and more frequently if needed- On target...however...gotta go to bank to discuss some fees...$10 trasfer fee charged x 2! What in the world!?!? b. Fill cash envelops each month (or biweekly) .....LOVE the envelop system! Envelops have been lifesavers! Keeps us in check. I have not couponed as planned...I wonder if I should give up. c. All additional income goes into snowball- On target! d. Look for ways to reduce current expenditures (cellphones, ugh)- The one big benefit of AT&T was the penny per minute for calls to Haiti. Dad calls daily. Now, they have upped it to 20cents per min. We will plan to pay ETF around March and get away from AT&T. There is no longer and incentive to stay. See ya! e. Track spending and budget at least every other day!- On target! All autodrafted monthly payments have been drafted. We only have the paper checks coming out. Must calc tithe and turn in paper check. Missed church and lost count. Monthly checks are great for budgetting, but we seem to be running low on funds at the end of the month by about $50-100...must investigate. f. (New) Complete 24 weeks of overnight work this year (we'll see how many I can do)- 6 down 18 to go. This last stent was rough due to feeling ill. However, DH did a STELLAR job at home...lunch boxes, laundry, etc. g. (New) Mini goal- turn in all documents to accountant for taxes (I've been avoiding this) -DONE...expect for business docs!!! Goal is to complete this week 2. Enrichment- GET SMARTer and Spiritual-er a. Daily Devotionals- TOTALLY dropped the ball b. Listen to at least 1 book on tape per month (fiction and non-fiction)- in progress Elenor and Park by Rainbow somebody (fiction) The Ragamuffin Gospel Strong Mothers Strong Sones c. Complete my required CEs (e-learning) for Board Certification (BC-ACP) c. Pass the Ready Certification required for my current job-done.... d (new). Complete all The Healthstream trainings - DONE d. Sit for the exam in October (?) since job A is paying for it-this may move to 2016 e. Get SQL training f. Get ACLS certified 3. Support DH with business- nearly caught up on all the billing. Meeting with contractor to help with this on Thursday a. Help him do 1 marketing thing every other month.... -His contractor is planning a Group Therapy session for young ladies with cutting issues. We look forward to this add-on as this is becoming a big problem in our community. She provided a proposal. We've gotta review that ASAP! Also, we are now paneled with another major insurer (after I called and harassed them....it had been about 6 months since we applied) and business is jumping.....that should count for the marketing piece. -Turn in board certification docs -Look into upcoming conference 4. Health-GET FIT (or maintain?) a. Exercise- worked out 3 days per week - I am currently wearing gym clothes and plan to go for a run today.... b. Eat nutritious meals and stay within my caloric goal 6 days per week-packed all my meals for work every night. I ate clean all week and used Lose It to keep track of my calories...lost 4 lbs! -use myfitness pal tracker - use Lose it -meal prep/batch cook every Sunday - plan: chicken pot pie, chicken nachos, grilled chicken, Chinese stir fry c. Take Vitamins (if needed...I'll have to research this)- I have some b12 so far...I am thinking of using the "Alive! women" product. B12 has been helpful d. (New)-Drink 8 glasses of water pr day - on target 5. Balance a. Family Board game night every other Friday or Saturday night- We went to the library and ate out as a family (with cash eat out funds, of course)...plan for this saturday night b. Find a free outing once a month to do with the kids- ..... c. Date night with hubby every other week- That's tonight! d. Sleep!! 6.25 hrs avg per fitbit. Gotta do better this week.
  12. RachNJessDebtFree2B

    Going AWOL

    The kiddos will have a blast with all the animals, I'm sure! Praying for the best for you guys!
  13. This blogging is really helping with our accountability. We are on target to exceeding our financial goals. Since I have trouble doing a bazillion things at once, I won't beat myself up too much for not meeting all my other goals. I think that once the budget is locked down and we've completely mastered it...then I can start to get laser-focused on my other goals (nutrition/exercise, etc). But all in all, this is an exciting week for us. Please forgiving for tweaking my goals as I go.... 1. Money- KILL DEBT (lots of it!) and thereby increase net worth from -285K to -199K a. Family Budget meeting on last Friday of each month and more frequently if needed- Did it b. Fill cash envelops each month (or biweekly) .....LOVE the envelop system! Budget is complete and all envelops are stuffed....I noticed the grocery envelop is being over-utilized....I better coupon to help make it last....we are also taping into the eat out envelop. I have been a bit blah about cooking but I now have some renewed motivation after reading the cooking relating threads on Frugal Living forum c. All additional income goes into snowball- Yup! We are doing it. d. Look for ways to reduce current expenditures (cellphones, ugh)- What a HUGE blessing! So last week I transferred 1 phone to Cricket and a few days later, my supervisor advised me that I will be getting a small telecommunications stipend!!! This can potentially cut our bill in half even further. Under $100 total!!! It's like God was waiting for me to take that first step and then He blesses it! ---> Get back to couponing...at least for toiletries!!! e. Track spending and budget at least every other day!- On target! All autodrafted monthly payments have been drafted. We only have the paper checks coming out (Parkour, DS tuition, Eye level, and tithe) and we will swipe the debit card for our gas expenses. Starting this month, I get paid once per month from our main job. So, this is going to be interesting. We budgeted down to the last dime. I sure hope we didn't forget anything. f. (New) Complete 24 weeks of overnight work this year (we'll see how many I can do)- 3 down 21 to go. This last stent felt easier than the first 2. Stent #4 starts tomorrow. However, I will be out of town for job #1 and using vacation for job #2. Stent #4 should be easy breezy. g. (New) Mini goal- turn in all documents to accountant for taxes (I've been avoiding this) 2. Enrichment- GET SMARTer and Spiritual-er a. Daily Devotionals- I am doing a Love Languages devotional. It's been real good. I wrote DH a love/appreciation card and placed it in his lunch box a few days ago. He loved it. b. Listen to at least 1 book on tape per month (fiction and non-fiction)- The Bible- I am reading through all the books of Psalms. I have read 97 so far Elenor and Park by Rainbow somebody (fiction) c. Complete my required CEs (e-learning) for Board Certification (BC-ACP) c. Pass the Ready Certification required for my current job-done.... d (new). Complete all The Healthstream trainings d. Sit for the exam in October (?) since job A is paying for it-this may move to 2016 3. Support DH with business- nearly caught up on all the billing. Please pray for new, affordable, handicapped accessible office space. We will be moving in April. GOT CAUGHT UP ON BILLING THIS WEEKEND!!!WHOOT!!!-Ugh! Most claims got denied. I will need to re-bill. I'm not very motivated at all....we have a new handicap accessible option within and can keep our current office. if terms of the lease are good, then we will remain in the same office. Did some shopping around and we are reminded of the steal of a deal we've got! a. Help him do 1 marketing thing every other month....His contractor is planning a Group Therapy session for young ladies with cutting issues. We look forward to this add-on as this is becoming a big problem in our community. She provided a proposal. We've gotta review that ASAP! Also, we are now paneled with another major insurer (after I called and harassed them....it had been about 6 months since we applied) and business is jumping.....that should count for the marketing piece. 4. Health-GET FIT (or maintain?) a. Exercise- worked out 3 days this week....felt great. Plan to use the office or hotel gym this week and get 3-4 days in before I get back to town. b. Eat nutritious meals and stay within my caloric goal 6 days per week-packed all my meals for work every night. ate crap for 3 days this week....ugh! I am headed out of town....sigh....will need to do better.. -use myfitness pal tracker - sigh -meal prep/batch cook every Sunday - plan: chicken pot pie, chicken nachos, grilled chicken, Chinese stir fry c. Take Vitamins (if needed...I'll have to research this)- I have some b12 so far...I am thinking of using the "Alive! women" product. d. (New)-Drink 8 glasses of water pr day (I need to find my water bottle) 5. Balance a. Family Board game night every other Friday or Saturday night- Weather was gorgeous and DH said we should go out and throw the ball around. So we went to the park yesterday. We got to meet some dogs...and we played kickball as a family. b. Find a free outing once a month to do with the kids- yikes, we missed this c. Date night with hubby every other week- We had Thai food at little local restaurant...yum. We got to talk about the future and dream. We talked about driving thru the redwood (I think) trees at some national park on a random day of the week. d. Sleep!! Special time of the month. I'm sleeping like a pregnant woman. I've been averaging 10 hrs of sleep per night!! UGH! We are focused and encouraged by the mind-blowing progress we have made. Things are shady and suspicious at both of our main jobs. Business is basically slow for our employers. This could be a potential storm cloud. However, DH and I decided now is the time to make our best push to killing this debt because nothing is guaranteed. We decided that we have made some great progress so far...If this comes to an end for 1 reason or another...we will be in great shape until we land the next gig. Therefore...we march on.... Thanks guys!
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