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Archive for December, 2013

Taking candy from a baby

December 31st, 2013 at 02:50 am

I was looking for the number to my lean holder on my car the other day and I came across the banking website for the company. I was on the site for about five minutes before I realized I was at the wrong place and before I went to hunt for the right site, I came across a promotion that the bank is running for the year. If I have at least $1500 directly deposited in an account and pay at least 2 bills from bill pay, I will have $20 deposited into a savings account each month! Yes! I said each month, not a one time deal. That's $240 per year doing two things I do anyway. I plan on taking advantage of that!

I currently have an account with another bank that I love and I have no plans of closing it. I am going have my monthly bills transferred to that account and use my new account for the extra payments that I am making to my debt, snowball by snowball and my car loan.

Is it normal for me to be THIS excited to open a bank account?!?! I can't get over how easy it is going to be for me to earn $240! I am still trying to decide what I want to do with the money; use it for Christmas or apply it to debt at the end of the year. I have 12 months to think about it though. I am going to open my account tomorrow and get the ball rolling on my direct deposit. $240 here I come!

Easy money

December 29th, 2013 at 06:17 pm

I love it when I can make money with no effort! Yesterday I packed up some of my son's old clothes and mine as well at took them off to resell shops to earn some money. This is something that I do twice a year to buy my son new clothes. He wears uniforms to school, so his "street" clothes don't get much wear so I have many times resold the clothes back to the resell shop I got them from...score!

Yesterday I made $55 bucks and spent $40 on three pair of jeans, a pair of school pants and three shirts. He was in a real need for some new clothes and shoes, but I covered the shoes for Christmas. What I got him is going to last him until the summer.

The $15 I have left over will be going in the bank.

I'm back!

December 28th, 2013 at 10:39 pm

I started last year blogging about my debt and then stopped. Maybe I was not ready to face it all, not ready to really do the work that it was going to take to pay my debt off, but I am ready now! Ready to get out of this hole I dug myself in. So re-join my journey to say to my debt "See ya later!" Here are the numbers.....

Card #2 1,018.65 16.00% 20.00
SL #1 1,785.24 4.80% 25.00
SL #2 11,171.13 4.80% 104.27
SL #3 20,824.43 4.80% 121.95
SL #4 22,031.32 4.80% 128.36

Total: 56,830.77 YIKES!!!

I have another cc has a balance of 262, but it's not listed because I am going to pay it off at the end of January with an extra paycheck I am going to receive. Also not listed is my car loan. I use my income tax return to pay my car loan up for the year, so it's something I never budget for.

Tomorrow I will post my monthly budget. Glad to be back!