June 23, 2013

Note to Self

Boy am I glad that it is Sunday and the start of another week! Last week was a brutal week for me. It felt like the WORST WEEK EVER! First I chipped a tooth, and I may or may not have cried about it. Not for the chipped tooth, but for the fact that my insurance has not gone through yet. Talk about an unexpected massive expense. I'm set to see the dentist next week on Saturday. Then, I was upset because the money I had set aside to pay off my credit card would be going to paying for my dental work. I was also having tension headaches and feeling sick to my stomach, not a great week mentally or emotionally. Just when I though things couldn't get any worse they did! I was pulled over on Thursday for using our local express lane, and having my transponder set on 3 versus 1. I was so upset I was ready to cry in my car as I drove to work. Pretty much one rotten thing after another. Then as I sat at work attempting to read the reports and make my entries it hit me. Yes, this week pretty much blew and was awful. However, I didn't have to focus so much on all the negative aspects of it. I would just focus on one thing at a time, then proceed. As for the chipped tooth, yes I'll probably have to pay cash to have it fixed, but I can set up a payment plan with my dentist. As for the insurance it should be kicking in soon. As for paying off my credit card, I paid most of it off the other night. Now I only owe less than $100 on it! Woot! That means when July rolls around I can pay off the balance. Since I am ahead a car payment I don't have another payment due until August, so that means if I'm tight on money I can choose to skip my payment in July and still be okay! Now for that pesky ticket, I did my research and discovered that the CHP officer was not justified in giving me a ticket! The code he cited does not mention anything about incorrect setting use.....so I'm going to fight the ticket and prepare a Trial by Declaration and fight for dismissal of the ticket.

Guess I learned my lesson last week. Even when things are just going awful and seem to continuously get worse then it hits you. Either you can choose to let it all bog you down and make you feel super awful or crummy, or you switch your attitude and deal with all the issues appropriately. Now here's to the start of another week and a great week at that!

June 6, 2013

Budgeting to Maintain my Sanity

I have a huge confession to make. Once upon a time I had one too many credit cards. Yes, I was that irresponsible college student who refused to let her parents help her out. Sigh. BIG MISTAKE! Now I'm on the path, er road, to recovery and to set my credit score on track. I know only have one credit card, and two store credit cards. Even though I only use one store credit card on a monthly basis. I have been diligent about using it to purchase an item and paying it off in full. So now here's my monthly budget breakdown:

  • Car - 500
  • J. Crew - 50
  • Gas - 200
  • Savings - 450
  • Schools loans - 370
  • Internet - 20
  • Spending cash - 250
  • Misc (Gifts, etc) - 50
  • Capital One - 75
 My bills are relatively few, but I am trying to dig myself out of the whole of debt. I'm actually paying an extra $100 on my car payment. The monthly car payment due is $395 and change, so I'm set on track to pay off the car in about 8 months!

I came across this neat spreadsheet over at Gather Little by Little. I love that its detailed, but most of all that the spreadsheet is broken down by pay periods! Its exactly how I pay my bills.

For now I'm making progress. Baby steps for this gal, until her car and credit card are paid off, then its all my energies on paying off my school loans.