My home computer and printer is half mine. Remember I put the $2100 purchase of my 27 inch IMAC on my credit card???
Well yesterday and today were pay days for me. Two jobs=two paychecks back to back. I sent half the cost of the purchase to the credit card company today and have the other half set up to be taken out on April 1, 2010. I said I would have it paid off by April and it will be!
until next time, think prosperous thoughts
YBP
Showing posts with label spontantous spending. Show all posts
Showing posts with label spontantous spending. Show all posts
Friday, March 19, 2010
Thursday, March 18, 2010
Strange feelings
It seems like the more money I save, the more money I want to spend. The higher and higher my emergency fund gets the more comfortable I feel spending money.
Not a good look at all!!
Anyone else feeling the same way?
until next time, think prosperous thoughts
YBP
Not a good look at all!!
Anyone else feeling the same way?
until next time, think prosperous thoughts
YBP
Wednesday, September 23, 2009
New Plan
I am paying my car off next week. Next Friday to be exact. I am taking $1000 from my paycheck next week and a couple hundred that I have left in my account from this week plus $2000 from my emergency fund and just paying it off. I will still have a couple thousand in my account and with new real expenses during the month, (remember by home expenses come up to a little over $500), and it being a three paycheck month I should have no problem getting it back up to $5000.
I also will probably start doing my after school tutoring which I get paid for next week and that will be an additional $1100 a month. Yaaayyy for extra income.
Remember one of my goals for the year was to max out my Roth IRA. I am still planning on doing that but I probably won't file my taxes until April so I can max it during early 2010
I also will probably start doing my after school tutoring which I get paid for next week and that will be an additional $1100 a month. Yaaayyy for extra income.
Remember one of my goals for the year was to max out my Roth IRA. I am still planning on doing that but I probably won't file my taxes until April so I can max it during early 2010
Wednesday, June 3, 2009
i'm tempted
to buy a new bed. American Signature furniture has a really good 36 hour sale in which they have a really nice queen bed for $199.00 instead of the regular price of $499.00. I technically don't have the money for it, but I did get an increase on one of my credit cards that I could use for it.
Do I really need a new bed? Hellz Yeah! I am tired of sleeping with a mattress and box spring on the floor. But I will not put that expense on a credit card. I am expecting about $600.00 this month for the after school class that I teach, so I could use part of that.
Decisions to make, I'm trying to hold of on the bed since I will be in Manhattan for the summer. Pray for me y'all!
Until next time, think prosperous thoughts
YBP
Do I really need a new bed? Hellz Yeah! I am tired of sleeping with a mattress and box spring on the floor. But I will not put that expense on a credit card. I am expecting about $600.00 this month for the after school class that I teach, so I could use part of that.
Decisions to make, I'm trying to hold of on the bed since I will be in Manhattan for the summer. Pray for me y'all!
Until next time, think prosperous thoughts
YBP
Saturday, April 4, 2009
On my way to Panama
I am sitting here at Newark International Airport because I missed my 8:30 am flight. I am here to until 4:30 which is when the next flight to panama leaves.
Oh well. I brought $400.00 in spending money and one major credit card, however I did also buy a bunch of clothes for the trip. My posting is going to be sporadic over the next few day.
On a different note, I can't believe I paid $7.95 to use the Internet here. That bites!!!
until next time, think prosperous thoughts
YBP
Oh well. I brought $400.00 in spending money and one major credit card, however I did also buy a bunch of clothes for the trip. My posting is going to be sporadic over the next few day.
On a different note, I can't believe I paid $7.95 to use the Internet here. That bites!!!
until next time, think prosperous thoughts
YBP
Thursday, January 8, 2009
I bought Suze Orman's new book...but you can get it for free!!
During one of the last few days of 2008 I went to Borders and ended up buying Suze Orman's new book, Suze Orman's 2009 Action Plan. I love Suze Orman and have many of her books!!! Well... today I was watching Oprahs show and Suze Orman was on it. She gave lots of good advice and she is allowing people to download the book for free on the Oprah website! I guess I bought the book too soon! You have up until Thursday January 15 to download the book ( I believe it is a PDF file).
It really does give some great advice!!!
until next time, think prosperous thoughts
YBP
It really does give some great advice!!!
until next time, think prosperous thoughts
YBP
Friday, December 19, 2008
I Reached my monthly saving goal
I wanted to save $1000.00 this month in order to bring my emergency fund saving to $4000.00. I went above that. My TD Ameritrade account balance is now $4023.10. And I still get two more paychecks this month. I think I maybe able to set a super goal of getting it to $5000.00 by January 3.
In other news... I pretty much finished my shopping. I brought my brothers and my parents their gifts, I also bought my boyfriend a pair of boots and just have a few other small things to get and then I'm finished. I am glad I had a little bit of money saved specifically for Christmas because I did not have to put everything on a credit or card or mess my savings goal.
I'm about to leave for work so I will post more later.
until next time, think prosperous thoughts
YBP
In other news... I pretty much finished my shopping. I brought my brothers and my parents their gifts, I also bought my boyfriend a pair of boots and just have a few other small things to get and then I'm finished. I am glad I had a little bit of money saved specifically for Christmas because I did not have to put everything on a credit or card or mess my savings goal.
I'm about to leave for work so I will post more later.
until next time, think prosperous thoughts
YBP
Saturday, December 13, 2008
I am not spending anymore money this weekend!!
I have not spent like this in a long time.
This morning I got off work and slept for about 3 hours and then went to go meet my friend Sophia for lunch and to discuss PhD programs ( She is doing a PhD in Environmental taxonomy). After that we went to a Bridal shop for her to try on dresses. Then we went to a church appreciation service, after that I dropped her off at her future grandmother in law's house while I came back to work.
Good times... yes... but I spent like I didn't have a savings goal.
Between yesterday, when I got new tires and bought Italian take out , and today.. I am sure I spent well over $200.00. So lets see
Yesterday
$12.00 for a Transcript
$21.13 for Maggianos Little Italy
103.50 ATM for my half of Tires
Today
$21.40 Applebees
$48.09 Borders ( for Dreams of My Father and Step Brothers) I am taking these back tomm!!
$24.00 Gas for Car
Total Spent
$233.13
I could have put that in savings!!! It was fun eating out but 2 days in a row....my gosh!
until next time, think prosperous thoughts
YBP
This morning I got off work and slept for about 3 hours and then went to go meet my friend Sophia for lunch and to discuss PhD programs ( She is doing a PhD in Environmental taxonomy). After that we went to a Bridal shop for her to try on dresses. Then we went to a church appreciation service, after that I dropped her off at her future grandmother in law's house while I came back to work.
Good times... yes... but I spent like I didn't have a savings goal.
Between yesterday, when I got new tires and bought Italian take out , and today.. I am sure I spent well over $200.00. So lets see
Yesterday
$12.00 for a Transcript
$21.13 for Maggianos Little Italy
103.50 ATM for my half of Tires
Today
$21.40 Applebees
$48.09 Borders ( for Dreams of My Father and Step Brothers) I am taking these back tomm!!
$24.00 Gas for Car
Total Spent
$233.13
I could have put that in savings!!! It was fun eating out but 2 days in a row....my gosh!
until next time, think prosperous thoughts
YBP
Saturday, November 29, 2008
My experience with Black Friday
Wow... Black Friday... that's all I can say. I woke at 4 :30 to make it to Walmart to be a LCD TV for $388.00. I had never been up that early to go shopping so I did not know the procedure. While everyone else bum rushed the TV's I went to get a cart to put the TV in. Needless to say by the time I got to the TV section, they were all gone.
Later that day, after I had gone home to sleep for a few hours, I went back out looking for more deals. All stores were really not crowded at all, in fact there was hardly anyone in them. I went to target and bought a HP Officejet All in One printer, scanner, fax, copier for $99.00.
Monday starts the last week in my semester in grad school. I have 3 final projects to work on. It looks like I am going to get A's in all three classes! That was one of my goals for the semester.
Later that day, after I had gone home to sleep for a few hours, I went back out looking for more deals. All stores were really not crowded at all, in fact there was hardly anyone in them. I went to target and bought a HP Officejet All in One printer, scanner, fax, copier for $99.00.
Monday starts the last week in my semester in grad school. I have 3 final projects to work on. It looks like I am going to get A's in all three classes! That was one of my goals for the semester.
Saturday, November 8, 2008
Gotta love students who work
One of 11th grade homeroom students came up to me today and gave me a little green postcard. She works at the Gap and gave me a 30% off friends and family coupon that can be used at Gap, Old Navy and Banana Republic.
Remember the rest of the stuff I said I wanted to get to update my wardrobe... well I will be using this coupon and treating myself to some stuff for my birthday.
I love being a teacher!!!
until next time, think prosperous thoughts
YBP
Remember the rest of the stuff I said I wanted to get to update my wardrobe... well I will be using this coupon and treating myself to some stuff for my birthday.
I love being a teacher!!!
until next time, think prosperous thoughts
YBP
Tuesday, July 1, 2008
A wonderful weekend that cost money
I was going to do a budget for July but my mortgage person told me not to spend anymore money. She said whatever money I get from paychecks do not use at all. "Just let it sit in my bank account" her words not mine. That is not really a problem, the only bills I have to pay this month are my car insurance and car payment. Everything else is pretty much taken care off.
I have, however, spent some money that I probably could have done without spending this weekend. My parents came down to look at the house that I'm buying. Dad said it was a good investment which is good. However I did take them out to dinner at a little Hibachi grill place in center city. The total bill was around $210.00 I looked at it a nearly fainted. Then I looked at it again, and thought... well there were six of us so that's not that bad. Then DH paid some money to it and my mom paid some money to it and so I only had to put up about 80ish dollars ( I put this on a credit card, the only major credit card I carry with me daily and I always pay off the balance each month)
My other spending this weekend was at a candle, 2 shirts, and a pair of capris all on sale at Old Navy. I spent 40.00 total and put this on my gap card. Lucky for me that is the only thing charged on the card and the payment won't be due until august. I plan to pay the full balance of this in August.
in other news:
I will be cutting any unnecessary expenses in an attempt to live a more frugal lifestyle. I also am going to be doing weekly meal menus so that DH and I can stop eating out. As for right now I will be eliminating my $35.00 a month gym membership, and my prepaid legal membership( my parents are going to be highly upset). Once we move we will be getting a house phone/Internet(29.99 a month) bundle through comcast so our sprint phone bill ( unlimited everything $99.00 per month per phone) will go down to the bare minimum.
Right there is roughly $180.00 in income that is added to the budget!!!
I will continue to look at my past few months of budgeting from PearBudget to see what else I can cut..
oh PearBudget( another thing about to be cut) ..that's $3.00 a month ...i am pretty sure I can find some free money managing tools out there. If anyone knows of any let me know.
until next time, think prosperous thoughts
YBP
I have, however, spent some money that I probably could have done without spending this weekend. My parents came down to look at the house that I'm buying. Dad said it was a good investment which is good. However I did take them out to dinner at a little Hibachi grill place in center city. The total bill was around $210.00 I looked at it a nearly fainted. Then I looked at it again, and thought... well there were six of us so that's not that bad. Then DH paid some money to it and my mom paid some money to it and so I only had to put up about 80ish dollars ( I put this on a credit card, the only major credit card I carry with me daily and I always pay off the balance each month)
My other spending this weekend was at a candle, 2 shirts, and a pair of capris all on sale at Old Navy. I spent 40.00 total and put this on my gap card. Lucky for me that is the only thing charged on the card and the payment won't be due until august. I plan to pay the full balance of this in August.
in other news:
I will be cutting any unnecessary expenses in an attempt to live a more frugal lifestyle. I also am going to be doing weekly meal menus so that DH and I can stop eating out. As for right now I will be eliminating my $35.00 a month gym membership, and my prepaid legal membership( my parents are going to be highly upset). Once we move we will be getting a house phone/Internet(29.99 a month) bundle through comcast so our sprint phone bill ( unlimited everything $99.00 per month per phone) will go down to the bare minimum.
Right there is roughly $180.00 in income that is added to the budget!!!
I will continue to look at my past few months of budgeting from PearBudget to see what else I can cut..
oh PearBudget( another thing about to be cut) ..that's $3.00 a month ...i am pretty sure I can find some free money managing tools out there. If anyone knows of any let me know.
until next time, think prosperous thoughts
YBP
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