Friday, June 29, 2007
I'll holla dollas. Enjoy the weeeeekkkkkkkeeeenddddd BABYYYYYYYYYYYYYYYYYYYYY!
Thursday, June 28, 2007
I don't have a !#$@#%@#$ paycheck!
Ironically, DHL miscalculated when my Hello Kitty checks were coming and I ended up chasing the USPS truck down for about 2 blocks...
I'm off to eat some pizza, read Smart Women Finish Rich and calling it a night!
Wednesday, June 27, 2007
It-sa Wednesday!
hhhmmm my mother just hit me up for money for her wedding! I can't say no! ... if she's happy I'm happy. I'm just glad my budget doesn't start until this Friday!
Monday, June 25, 2007
Girl, Make Your Money Grow
I'm also looking into some ways I can maximize some extra income. Some do PPP, but my blog isn't over 90 days yet. Another site I have been looking into was Cashduck. I'm sure many of my readers have the answer and you also get some sort of incentive if you refer me.... so leave a comment.
Saturday, June 23, 2007
making that first step
I also have verified my info for a new c.c. Yay! time to start building some tradelines. I will be sending off for my secured card as well, no later than next Saturday. My primary bank is not in the area where I go to school, so I went to a local bank today and the customer service said that a money order or cashier's check is about $5. I just turned my happy ass back around and said 'no thank you'! I will wait. They must have been smoking crack!
I'm so happy because this company that I willingly put down $250 down payment for their product has emailed me (back and forth) and said they will be mailing me the refund! Well it is about damn time! It's hard to find good customer service these days!! But I'm doing the band-stand-happy-dance so I can drag and drop that into my savings.
Update: 'nother $100 towards my savings! woo hoo. I'll holla dollas!
Tuesday, June 19, 2007
today is a good day
And I just opened my (online) bank statement and it says that I have a credit from my university for $500. We have a incentive program, if you graduate in 4 years you can apply and receive a $500 check! Well guess what?! Come this August I am out of here, walking across that stage and finished in 4!
I love my ING savings account and that is why I want to share it with all of you. No hassle savings and checking, and what could be even better than the bank writing and mailing your checks for you. Open an INGDirect Savings account with $250 and earn $25 (this is not a scam), email me at msvoad[at]gmail.com so I can send you the promo email. You'll love this! Stop letting your money sit in a checking account without APY and email me.
.... no this is not sponsored!
Update: 04:02pm And to take my mind off of the fact that I nexted my cable and internet and I am living with 4 channels... yes.... 4 channels. .. I did pass my all essay exam on marketing channels (zzZZzzzz) with an 89%. God is the best, because I definitely did some praying before I walked in with my #2 pencil. AND to reward myself, I should place an order for those checks mentioned in the post below.... *runs to go read Krystal's and NIU's comments*
Monday, June 18, 2007
new budget
I am practicing restraint! I am 2 checks away from finishing my book... I saw these personal Hello Kitty checks...
and the only thing that is holding me back is my plan to practice a budget beginning June 29 and the fact that I can use my bank's online bill pay instead of writing a check. I want to get the bonus buy single set that cost $36. But $36 for checks plus you have to mail them out with the new $.41 stamps. I will be spending more than I am saving. If I look at it like that then I can avoid debiting the $36 but the checks are just too cute. What do you all think? Leave a comment.
This brings up my disappointment today, applied for a Visa with a comapany last week... was denied. I called and they told me over the phone. I expected that and am not saddened by it because it motivates me to keep on my path so later I will be like, "I told you (company) that you would give me this card sooner rather than later." I thanked the representative for her time but told her that it is no big deal.
I can't wait to start budgeting... I know that budgeting for some people is a buzz killer. But with my newly acquired, high tech Excel spreadsheet, there won't be a penny unaccounted for. I will be using the monies from my paychecks for income, I have money set aside for debt. And the more debt I pay down (as well as budget), the more it will free up money to save.
Sunday, June 17, 2007
budgeting the expenses
... I told you it is a lazy Sunday. Anyhoo...
So just the other day I received not 1 but 2 invites to my friend's big events. One is having an engagement party and my other friend is having a baby shower. I am so happy for the both of them but they couldn't have waited to this LAST year when I wasn't caring about my spending habits... but now comes the challenge. How creative can I get on a budget? I never had to do it before... I would always get my friends the best gifts. I'm going to search around and see what I find.
I am a graphic designer so I know I can save about $6 if I design the greeting cards myself. No big thang!
Last night to save on an $119 expense, I decided not to renew and close my domain accounts. I had two websites that I designed last year. I got a great discount: register for 2 domains was free and I only had to pay for the hosting. This month was my time to renew but I "ext-nayed" it, got a blogger and found other sites to host my art work.
My lazy Sunday won't continue after 4pm. I'm gonna go tackle those dishes and do yoga.
Saturday, June 16, 2007
how did i get here?
Before I went to college, I started with 2 credit lines. I followed the instructions that I heard from television. Charge things pay it off... I did just that and my limits rose. Well, I go to college and initially couldn't find a job and once I found a job, I was making minimum wage... which at the time was $5.75. Needless to say managing rent, utilities, credit cards and ALL other school related expenses was impossible. I ignored the mail, I screened my calls...
I woke up! That brings me to today. Some day soon, I want to buy a home and I knew that my credit report had to come out the closet soon.
Since then I have been researching, reading, intrepreting, asking questions... everything in my power to right my wrongs.
My first goal is to pay down my credit cards and personal debt. Feel free to read, comment, post related links.
I have realized (just days into my credit freedom journey) that a) this won't happen over-night and b) I am not going through this alone.
I am keeping track of my debt and blogging my way out of it.
Thanks.