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Transfer approved

October 10th, 2013 at 11:25 am

It appears that my balance transfer has gone through which I am super happy about. I got news from my job that I will be working for just a little while longer which is nice.

Things are okay and the car they say is fine, they just lubed everything up. I need to secure the tire in the trunk but can't figure it out. Putting it in my tiny studio apartment is not an option and there is a space for the donut but it's too small to accommodate the full size spare.

Stuck to frugality which was pretty awesome. It's really helping nothing extra is being charged on the cards keeping me on track to pay off the last revolving cc balance. I'm so thrilled. Next I just have to get my butt back at the gym! Ha one step at a time.

Sticking to frugality

October 7th, 2013 at 11:07 am

Last week I had a little hickup in that I was too lazy to make myself coffee at home for a few days sadly that cost me $20 in starbucks coffee. Frown

I did however do good at eating at home and only spent just $10.00 out. Just now I put in for a balance transfer from a 19.8% interest rate to a 0.00% offer on another card plus a $57 fee. I did some calculations and the likely hood that I will not pay off this card while still working this contract job is high. I will probably get one, or if I'm lucky, two more paychecks out of it. So I realized it only makes sense to switch it over because when I have to go back to making minimum payments they will now be applied solely to the principal which will help me pay it off quicker even if I am not gainfully employed.

Now let's just hope the bank approves the transfer. I still have to bring the car in and will make that appointment shortly. I might as well find out what's wrong before something bad happens to the car or if it wipes out what's left of my emergency fund and I have to find a way to refund it quickly before my job ends.

Time for one last doctor's appointment and then hopefully after this week things will go back to normalish.

When you have two jobs and money is still tight

October 1st, 2013 at 12:55 pm

Today I was once again going over what needs to come out of my next paycheck. About 39% of it is bills, then the plan is to do 40% to credit cards payments, then to keep on track put 18% for savings which leaves me with a whopping 3% of my paycheck for myself. It's been like this for a month now ever since the medical bills. Although those percentages of where the money went was different (x amount toward medical bills, x amount toward savings etc) things have been really tight.

It just seems like there's been one big money event after another, the wedding, funding my savings fully, draining my savings in order to cover medical bills, trying to build back savings while aggressively paying off my credit cards before my assignment ends. And now the credit card pay off plan may need to be put on hold depending on what they say is wrong with my car.

I am very happy that this all happened while I was gainfully and not so gainfully employed all at once since my not so gainful employment made it easy to build an emergency fund while my gainful employment covered the wedding and paying credit card bills but it feels like such a struggle and I'm getting sick of it.

I have been struggling my whole life and while things are certainly getting better. There's still no steady income on the horizon. Just strategies to hold on to the money I make while I make it and hope it carries me through to the next assignment. I'm hoping that this one will stick or at least get me a call back.

I don't mean to be depressing and whiny but I just feel like something has got to give!

Possible Car Trouble

September 29th, 2013 at 11:25 pm

So my car is making knocking noises. I'm going to bring it in and pray that there is nothing wrong or that it is covered by the warranty/deductible. My EF is almost empty and so I hope its nothing serious. I have another account with 3 months of expenses so I can cover it but I just really hope that's not it. I also hope that its not something so serious I have to get a new car.

My loan is 1500 more than what the car is worth, so that loan would stink. My checks are both going to be low from the time off I needed to recover my from my illness. Please send some warm wishes my way. I'm really going to need them. Frown

What a mess

September 19th, 2013 at 11:49 am

Well its time to start focusing on debt. After a week or two my emergency fund will have the money back in it and then I can put money toward my credit card again.

I currently have 3 student loans that are growing instead of shrinking, 2.5 K on a credit card with an 19% interest rate and 500 on another that I will pay off immediately because that card has a 29.99% interest rate. The 2.5 K card scares me though. Last time at my old temp job I and all the other temps were laid off three weeks into our new contract and also the same week I was about to make my first big payment on my credit card.

And then there's the car loan. I've always had the thought that I shouldn't pay off the car loan before the time because if I get in an accident it was a waste of money I'm not sure how solid that thinking is. The fact of the matter is that the car needs a check up as it has been making strange noises. I hope its fine because that would mean having to make repairs and another depletion of my EF. Hopefully the repairs are under warranty.

The car is old though and paying it off would be awesome then I could use the trade in value toward a new one when the time comes.

But between the ageing car, the credit card debt I've feared paying off and my student loans of which half of growing instead of shrinking I'm frightened. Not to mention that this employment is temporary although its gone on longer than I could have ever imagined.

Guess I just have to take it one day at a time.

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