2011 Goals

2011 GOALS :

1. Pay off CC#1 which has a balance of $4,830.49. I have signed up for 3 OT days in the hope that I'll get at least one of those days.

2. Pay off CC#2 which has a balance of $1,034.25. Again I've signed up for OT and this is the bill I'll be paying off first since the interest rate is very high.

3. Save $1,000 for a summer vacation, it will be a driving vacation and won't be too far away but I'd like extra money just in case.

4. Track all spending for the month of January, I'm going to try to do this the whole year but I'll start small and work my way up.

5. Buy a one way plane ticket (this is non-negotiable) and needs to be done by the end of January. This will cost approx $100 and needs to be done very soon.

6. Pay cash for dental work that needs to be done this year.This is ~$450 and will need done asap according to my dentist.

7. Lose 10lbs by taking lunch to work twice per week and exercising three times per week.

This seems like a small list but I'm hoping I can do everything on it by 12-31-2011
~PBMFMM

Been Good so far

So I still have $500.00 left over in savings so far I'm hoping to not spend, I have picked up some extra days next month at work and hope to be able to work at least one or two of them, all that money will go into savings since I have seemed to have spent and spent for Christmas. I'm going to try to get some 2011 goals up within the next few days and weight loss in first on the list, I personally believe weight and debt go hand in hand so lets see what we can do with both of those in 2011 :-)

~PBMFMM

Left over money

So I have about 600.00 left over from vacation and my paycheck I do still have to take out some money for Christmas presents, but I'd like to try to keep 500.00 extra in savings I'm trying a new idea with my paychecks and transferring to savings any money over the allotted amount I need each month for bills, because I'm hoping that if its out of checking and in savings I won't spend it. I figure it's worth a try and I can hopefully build up some money in savings and take out lump sums to apply to debt when I hit a certain amount, an amount I actually  haven't decided on yet, so I'll have to save that for another post.
~pbmfmm

Vacation

I took a small vacation in the beginning of the month, paid cash for most everything and had a great time. This will be my last vacation for awhile since I'm going to be hunkering down and paying down debt. I need to redo all my debt because most has gone up. I've also been trying really hard to lose some weight which I'm hoping will go hand in hand with getting my finances under control. I'm going to make a bucket list of things I'd like to do and hope I can get to some of them cheaply in the next couple of years since I will be deciding if I can do a 2 or 3 year debt payoff I'll need to add the total and decide at at a later time. Hopefully I can be back to blogging at least on a weekly time frame if not daily :-)

`PBMFMM

December

Well since I haven't posted for awhile It's been a very spendy past few months. I'm going to attempt to start doing daily or at least hopefully weekly updates on our spending. I have already done a budget for 2011 and this time I plan on keeping to it as strictly as we can although we might have to adjust the food budget somewhat we won't know until the start of next year.

Spending 9/12 and 9/13

I had no spending on 9/12 but 9/13 was a spendy day, I had lunch at work for $9.00, at dinner out for $40.00 and bought a game for $50.00 I can sure see where my money has been going by keeping track I hope to continue to keep track so I can try to eliminate some of these expenses and plan for other ones. I'm off today so I'm sure I'll be spending money as I have to go somewhere this afternoon and I will be there pretty much the rest of the day.

~PBMFMM

Spending 9/11

I spent nothing on 9/11 since I had to work anyway I rarely do spend money while at work.

~PBMFMM

Spending 9/10

Today I spent quite abit on food  Dining out $53.10, Groceries $55.00, Cash for jars $320.00 I think I'm done for the week since I have less then $100 dollars in checking.

~PBMFMM

Spending 9/9

I had a no spend day on 9/8 and only paid the electric bill on 9/9 which was $133.90 and that is for two months at a time, we do have an after school activity today and hopefully I won't spend any money although I haven't spent a cent of my personal blow money in the past week :) Tomorrow is Friday and I get money out to refill the jars.

Spending for 9/7

Yesterday's spending was alot but I had to take a trip out of town and it shows,
Gas            $40.00
Parking       $6.00
Food         $45.00

Here's hoping I don't have to do this for a long time I did use all cash and took money out of all my jars to pay for all of this so It was really abit planned. I also got my insurance statement and my monthly insurance bill dropped by $~31.00 due to a change so I'll be excited to see how that reflects on next months bills.

~PBMFMM

School and Spending

Today is the first day of school for my child, we have everything ready and his supplies are at school already and he as usual doesn't want to go to school. I don't think we'll have anymore school expenses right now but I'm sure we'll be having pictures within the next month which is usual for this school. I have paid all my bills for this pay period and will be calling the Medical Bill #5 today to see if they will do a payment plan with a large payment right up front, maybe I'll be lucky and they will take what I have and say PIF!
Here is what I have paid this pay period so far!
Savings           $30.00
Chase             $265.00
USAA            $192.00
Cable             $124.89
Insurance       $156.13 (Changed this month might change next also).
Cash for jars  $300.00
Education      $166.25
FA                 $221.00
House              $40.00
Phone            $162.36

Wow that is alot for only one week. I take money out for jars once a week this week I took out $75.00 more to see some Garage Sales, Education is taken out once a month for some classes that are being taken the amount varies each Semester, the Freedom account I keep to pay the bills that are paid only once every other month or more then that. The phone is for all phone services. I did have pizza once this week and used the extra money from the garage sales to pay for that. And used the FA for some yard work that needed to be done prior to the harsh winter months coming up. Maybe if I keep track of spending I'll be less likely to over spend although a girl can only hope.

~PBMFMM

Paid

I have paid off the Medical bill of $45.00 and Paid almost all of the Medical Bill #6 Insurance paid more then I thought and I should only have about $75.00 left which I will pay next payday. I still haven't contacted the Other Medical bill yet as it's been a holiday and I'll do it this week. I have some money already to put down on it and some in savings and I work Labor day which for me is a holiday so maybe I can get most of it paid off this month and then start to work on the others. I have scheduled some OT which I hope to get and that will help all around.

~PBMFMM

Introduction

Well I am very new to blogging and I am going to blog about my debt of which I have a large amount. I am going to attempt to do a modified Dave Ramsey approach to getting rid of this debt. Here are the amounts I owe and what I'm not sure of at this time is exactly how much the payments will be since I have racked up quite a bit of debt in the past month. So I'll post my amounts and will have to update them as the payments come in.

#1-Chase        $11,488.27               $265.00 Payment---PAID
#2-USAA       $  9,737.71                $192.00 Payment--PAID
#3-Discover   $  2,218.76
#4-OEC         $       45.00                   Medical Bill-----PAID
#5-AHS         $     613.26                   Medical Bill
#6-WOPC     $     429.02                   Medical Bill-----PAID
Grand Total   $24,499.03

Wow that stinks I have a very small shovel but plan to try to get the medical bills on a payment plan except the #4 I will pay that one off first with my next paycheck.

Hope to see you all around while I go thru this journey to debt freedom!!!
PBFMM