Jump to content


  • Posts

  • Joined

  • Last visited

  • Days Won


Chérie last won the day on December 19 2022

Chérie had the most liked content!

About Chérie

  • Birthday 06/22/1985

Profile Information

  • Gender
  • Location
    Thornton, CO
  • Interests
    Volunteering, engaging in politics, snow tubing, biking and learning about personal finance.

Recent Profile Visitors

5,489 profile views

Chérie's Achievements


Rookie (2/14)

  • Reacting Well Rare
  • First Post Rare
  • Collaborator Rare
  • Posting Machine Rare
  • Very Popular Rare

Recent Badges



  1. Accountability time! Just kidding,  kind of,  we miss you and I was wondering how life goes?

  2. We miss you around here. Hope you are both well and able to enjoy some time at the holidays.

    1. Chérie


      You must’ve been reading my mind! I’ll be posting some updates today. 

    2. kelvan80


      I do that from time to time.  So does my daughter ha ha..I worry when people stay away too long like a mother hen. Looking forward to your update!

  3. 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!!!!! That check was another $750!!!! So, I'm the only person who got TWO checks!!!! Total: TWO GRAND!!!! What???? The day couldn't possibly get any better, right? WRONG!!!! We had a site-wide competition for Visa gift cards that has been going on for the past 2 weeks. Top prize: $250. Yes, I won that too!!!! I am on cloud nine!!!!! The gift card will take a week to come in, but the regular-sized checks are tucked in my purse and will be deposited tomorrow!!! Soooooo excited!!! http://i1347.photobucket.com/albums/p720/cheriecorazon/B48FB11E-2CD9-4A3F-A48F-F41F0964D701_zpsgj5lx70r.jpg
  4. 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 progress bar from FPU with the Baby Steps next to it. My friend inquired about how to budget. So, we sat down and I put some notes in the notepad in her phone about budgeting to fulfill BS1 and how the debt snowball works in BS2. I gave her some budgeting apps to play with and showed her how I use my calendar to make sure my pay periods line up with my bills etc... Spouse was listening to everything. Spouse: The budgeting thing works. The credit cards are paid off and everytime I look at the bank account, there's $3,000 in there. I don't know how there happens to be money in the bank AND we're paying off the cards, but it works. Me: There's not $3,000, but thank you for ankowledging my hard work. Spouse: *looks at our friend* But you won't have ANY fun. None. At all. Me: Not true! We have a small Resturant category, an amusement category AND you get Blow money! Spouse: *Still looking at our friend* You have very little fun. All that money can be spent in 3 days. Friend: How much is it? Me: $50 for Resturants, $60 for Amusement and $100 for her blow money. If it were up to me, it would be $100 for all of it put together. Friend: Yeah, I can spend that in a day. Friend's 14 yo son: That's why you need a budget, Mom! LoL I do want to say that we must be doing something right if we aren't having ANY FUN at all. LoL I am super glad that Spouse is acknowledging that the budget works!!!! Yay!!!! That was the highlight of my week!!
  5. 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 the amount due was only $184.86. So, I requested that the extra $100.02 go to Principal and it was done!! That's the first time I've ever requested that. Before starting this journey, we used to just send in extra payments without realizing that the money was going towards the next month's payment instead of to the principal. Thank God we've learned!!! Cheers to more principal-only payments!
  6. 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 interest!!! No more carrying balances!!!! No more credit cards!!! Most importantly, No more credit card debt!!!!!!!!!!!!! This also brings my total debt to the $75K range! If I just keep chipping away, that $90K will be a distant memory!!! On to the car!!!!!!
  7. 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 off by Aug. 18th at the latest. My mom knows a lawyer in her Bible Study class and she INSISTED that we reach out to her, even though she is in another state. My mom said that the lawyer assured her that there is a path to citizenship that will not send Alicia to Mexico. Well..... I'm just going to say there was no new information that we had not already heard The only thing that we are holding out for is the DREAM Act, which has failed to pass through Congress every year for the last 7 years. But, It's in the House again right now. We try not to get too excited because it's devastating Every. Single. Year. when it fails. To end on a high note, I did not have to go to work today so I got some much needed sleep! I slept until 8am, took Alicia to work and the cat to the vet. I came back home and slept from 9-noon! Then, I work up for an hour and went back to sleep until 3:00pm!!! It was a total of ELEVEN glorious hours of sleep!! I really needed it! Now, I'm not so bitter about the next 3 months of "Mandatory Overtime." Bring it on! Maybe I'll be singing the NO CAR NOTE song sooner than February. https://www.youtube.com/watch?v=LXXH4Fm9qh8 So READY to get rid of these debts! Dee-1 also has a song about paying Sallie Mae back I heard about him when he visited Dave's studio last week. https://www.youtube.com/watch?v=JqbXQa05Z6c It helps keep me motivated. Start Date: Feb. 1, 2017 BS1: Done. Feb. 18, 2017 BS2: *In Progress* $90,164 to pay off Paid / Remaining Completed Chevron $2,313/ $0 Mar. 3, 2017 Capital 1 $3,959/ $0 May 23, 2017 Phone $454 / $0 July 10, 2017 Amazon $6,186/ $944 Car $0/ 11,956 All Loans $0/ 71,887
  8. 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 turning off and Spouse missed her alarm. There's nothing like arriving 3 hours late to overtime on a Saturday to make you realize that you need a reliable phone. Sure, we could've bought a $5 alarm clock. Yes, we could've paid $100 to have the phone fixed. Yes, there was probably some other solution. However, our 2-yr. anniversary was the next day (8 years together!) so I took the money we did manage to save, and pulled the rest out of the budgeted snowball (about $200) and walked into the store with Cash in hand! I paid for a phone IN CASH. The woman that helped me had to ask her co-worker how to check to see if the bills were real. Apparently, not many people pay in cash. It made me giggle, but I also felt a sense of control. I got one that had a scratch on the back, (apparently it's a $75 scratch) and I saved $80 by not doing payments. Spouse had not chosen the latest and greatest phone, like I thought she would have. It was a Samsung S7 or 7S... idk. Anyway, it was almost $200 less than the new S8 version. All in all, we got the phone for just over $400! And I paid cash!!
  9. 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 waking up for the first time before work tbh. It helps me to not get burned out by the overtime as fast. So, I'm at work and about halfway through my overtime, one of the managers says I have an interview THAT DAY with a Corporate guy! I rush home, walk the dog, pick out a new outfit, touch up my makeup, straighten my hair again, shave my legs, practice my About Me in the mirror, and head back to work. Boss Man's advice to me, "Keep your answers short and concise. Only elaborate when he asks." Sure. No problem Boss! Then, I realize that it's a phone interview.... A PHONE interview! I gave up my Reset-the-day nap to get ready for a phone interview?!? Regional Manager: Have we met in person yet? Me: No. I was really looking forward to that. (To self: Today would've been ideal, don't you think?!) later in the interview.... Him: Tell me about a time when you have failed and what you did about it Me without a moment's hesitation (and slightly offended): I don't fail. There has never been a time that I have failed. To self: Oh crap! He's going to think you're an idiot! Do something.... Me: I may have not reached my goal when I wanted but that isn't "failing." It just takes a little longer to win in that situation. Let me elaborate... To self: So much for short and concise :/ Me: Blah blah... It's all about your definition of failure... blah blah. So, I can tell you about a time where I didn't win the way that I initially wanted to instead... Soooo, I think that interview could have gone better but, it wasn't a total failure. LoL I don't do as well on phone interviews as I do in person. Apparently, I still have another interview with the Director of Sales next I feel like I'm applying for a corporate position! Interviewing with all these important people!! My coach says that she never talked to anyone from corporate when she applied for this position. So, I'm just going to take that and pretend that I am Super Special! In my head, I'm pretending that all of my interviews have gone SOOO well that Corporate people want to get a glimpse of how awesome I am!
  10. The big boss surprised me with an interview when I showed up at work today! Sooooooo NOT prepared! It seemed to go really well though! I think there's one more interview with a guy from Corporate. Hopefully, they'll give me a heads up for that one!
  11. I will absolutely have more questions when I get to BS 4! But that's good to know that it's not as difficult as I'm imagining. I added that book to my list on my library's web site so thank you very much for that!
  12. 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 luck associated with being at the right place at the right time. It's about always being ready." I was not feeling particularly ready! Well, the interview seemed to go really well regardless. I know there is at least one more interview left so, I'll be in make up everyday moving forward! I don't normally wear makeup to work, so it's not like I looked crazy different from my usual self. However, I really WAS planning to make a pleasing-to-the-eye good first impression on the lady I had never met before. I do like the speed in which things seem to be progressing. I just wasn't prepared for it to be this fast! #StressfulMonday!
  13. 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 before getting it. It's not so much that I had to have it as soon as it came out, but I did want it. I waited until it was almost $20 off before buying it. Me: Unlike my wife, I did not really wait for my purchase. I wanted the FPU course with the DVD's because I wasn't sure if Spouse was going to actually do the course with me, so I figured that even if we didn't make it to a class, I would still have the DVD's so we could do it at home. I tried to wait for one of DR's sales.... but only the Online or class membership kits were on sale. I sucked it up and purchased it because "I wanted the DVD's." Spouse: I get more use out of my game than she gets out of the DVD's! Week 5: The Role of Insurance Me: That was really VERY informative! Spouse: Yes, except that I'm not sure DR understands how most HSAs work. At my job, if you don't use the money that you put in there by the end of the year, you lose it. Me: Mine too. People tell me that they buy unnecessary things just to use the money. My friend's dad bought the whole family 3 pairs of glasses each. Spouse: My co-workers go to Walgreens and buy a ton of medicine. Me: Yeah... lets not do that... I could imagine that we'd get to the point where we'd have too much. We would be on the streets going, "I've got Nyquil for $1... get your Nyquil!" Week 6: Retirement and College Planning Spouse is in Houston visiting her mom so I did this one by myself. I really enjoyed learning about the different types of investments. I REALLY enjoyed dreaming of the day I'll reach BS4 and about having a baby to have a reason to do BS5!!! What I still don't understand is HOW do you actually pick out the funds that you want in your 401K? My job gave me a booklet that gave me like 10 different plans. When I picked one, it was kinda based on how long you would be contributing to it before retirement. I have the 50 year plan or whatever they call it. I guess I'll wait until I get there and contact an ELP to figure that one out. Spouse and I will watch the DVD when she comes back (later this week) and do an at-home version of the small group discussion. ---------------------- Work Update: I got really bold last week and marched into the Big Boss' office. He has only been there for a few months and I haven't really worked on making sure he knows who I am.... Nevertheless.... Me: Do you have 3 minutes? Clay: Starting now... Go. Me: I applied for a position at another site. I am still waiting to hear from them, but the truth is, I don't want to leave our location. You don't want me to leave this location either. Every single month, my name or photo is on the wall because I have achieved Platinum status for the month (Being top 10 with overall metrics) and/or I am in the Top 10 for Save Rate (One of the most important metrics). My stats are amazing and they are a small part of the reason that this site is doing so well compared to the others. I "grew up" here and I would like to stay here, but there aren't any positions for Team Lead open and that's the position that I really want. I am more than comfortable going to a new location, but I wanted to give you an opportunity to let me continue to make this site the best that I can. I want the opportunity to apply for Team Lead. Clay: That position actually just opened up today. You can apply. Me to self: *Why didn't I check that before walking in here???* Me: Good. I'll get my application in tonight. Clay: Come back at 3:00 when I have more time. I went back at 3:00 and he kept me for an hour. It wasn't really an interview... It was more casual. He told me to be ready for my first of a series of interviews tomorrow. I feel like our talk went really well though. The next day, I had THE BEST interview with 2 of the managers! It went sooooooo well! They told me that they didn't have a timeline on when I would know if I made it to the next interview and said that it could be 6-8 weeks. Well, It was 2 hours later when Clay came up to me desk and said that I was to interview with him the next day! Well, some people from corporate came in the next day so, he had to cancel my interview. He said that they were going to be there all next week and that he would schedule me after they left the site. He also told me that he got an email from the other site that I had applied to. They were going to extend to job to me on the 27th! Well, that's great...... Now, I'm wondering if I kind of messed up... If I had just waited an extra week, I would be at a better position. My pay would have decreased because the other location doesn't have a commission components to it, but I would've stepped up in the company. This position will be more money, but it's a bigger leap. Most people that are applying for it are Trainers or Global Experts (the position I applied for at the other location). So, I have a LOT of work ahead of me if I'm trying to hop over the next stepping stone to reach Team Lead. One of the "preferred" qualifications is to have been in my current position for at least a year. I've been in it for 8-9 months and I haven't even made my 1-year mark at the company just yet. Although, that's coming up on Aug. 1st. The longer they drag out the interview process, the better it is going to be for my tenure there. One good thing that happened that day is that the people that were there from Corporate were there for "Base Camp." It's a program that my company does where they take the executives from corporate and teach them how to do entry level and other jobs so that they can keep in touch with what's actually going on when we interact with customers instead of just having them make policies based on reports. Well, my department deals with long-term customers. The people from corporate aren't allowed to actually talk to them because if they upset them, or give them wrong information, we could lose the customer. Instead, the just sit with us and listen in on the calls. One lady sat with me and by the time she was ready to leave, she told me, "You are sooooo good on the phones! I'm going to tell Clay to keep you on the phones! We can't afford to lose you." I'm thinking DON'T YOU DARE TELL HIM THAT! I'm trying to get some Minions of my own and not have to be on the phones as much! Instead, I say, "Thank you for that. However, I am applying to be Team Lead so that I can teach more people to be just as great as I am! *Jokingly* Tell Clay how wonderful I am!" Once again, wish me luck!
  14. 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 the bracelet that represents the phone lease that I wasn't allowed to pay off early. It's really great to finally get it out of the way and to add that $18 payment to the snowball! However, I miss my co-worker! I thought I had more time It's silly, but anyway... There are 3 bracelets left. The student loans (for all 11 loans), the car, and the last credit card that I will ever carry a balance on. We had to turn Spouse's phone in unless we wanted to pay $200 to keep it (Spouse hates it). So, we activated my old phone for her to use until we saved for a new one. I let her pick out the one she wants to save for and told her, "You can get any phone your heart desires, but you have to wait 3 months for it." Well, the sales guy was showing us the phones and kept talking about how we had $600 in credit with Sprint. We could do a 2-year lease and only pay the payments for 18 months before being eligible for a new one with Android Always or iPhone Forever plans (or whatever they call it). Nope. Nope. Nope. I will never lease or make payments on another phone again. I'm excited that my phone bill is going to be $18 less next month and every month after that. Well, the salesman is a salesman of course. So he agreed with me about not leasing phones and he started telling me that I could use my credit for a watch with an integrated Fit Bit or a Go Pro. LoL Good try Mr. Salesman, but I'm not buying! I am currently wearing $78K in debt on my wrist. Nope. Good bye phone lease, good by phone, good bye tiny bracelet... hello bigger snowball!
  15. 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 I can take care of my family... blah blah blah mushy stuff... Spouse: I want more money to travel and to drink. Me: *thinking to self* These people are going to think you're an alcoholic! Me: Anything else? Spouse: No. I just want my money back. (As in what's left after we split the bills instead of my budgeting it out) TBH, I think this is the only reason Spouse agreed to move on to the car together. Originally, Spouse agreed to "hand over her check" until the credit cards were paid off... because car payments are normal. So, we were planning to split the bills and the minimum snowball to throw at the car. Then, the remaining portion of her check would go to her while I tackled my loans with the remainder of my check. Now, Spouse has agreed to move on tackling the car together. I had mentioned that we should be able to have it paid off 6 months after finishing the credit cards. I think that helped. So, I know things are moving in the right direction. I really think that she just wants her money back. She would get about $200 per month unless she does overtime. She normally gets $50 as blow money, but I gave her an extra $100 for her birthday. AND she has an extra $100 for next month since it's our anniversary. So it's not like I'm hoarding all of her money If she hasn't come around by the time we pay off the car, we'll put her half of the minimum snowball toward BS3 while I use my half of the snowball to pay off my loans. So, our plan may have BS2 and BS3 going at the same time.... MomTo6 was right. We have to do the plan our way instead of trying to force Spouse to do something she isn't happy about. As long as we are still working toward the right direction, I am content. One step at a time.
  • Create New...