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December 20th, 2016 at 12:19 pm

Well some updates. The debt on the credit card started ballooning around my birthday. It was a big one for me, I turned 30.

I've only begun to get out of the haze now and access the damage.

The good:

I now have 1000 in my emergency fund. I've kept up with my estimated tax payments and I'm fully funded in there.

The bad:

I went over board and now the credit card debt has increased.

The positive:

Now that I have an emergency fund and sorted out Christmas, I just really need to get the credit card paid off. I'm hoping I can get this done over the next few months but I have to focus on bills and staying away from putting more debt on there. When I pull cash out and stick to that things go well so I'm just going to keep doing that.

I can't wait to get rid of this albatross around my neck it has not been fun.

Fridge died and ate all our food more cc debt to pay now :(

July 18th, 2014 at 10:36 pm

Luckily we live in an apartment and luckily I hadn't done the food run yet but our fridge broke and warmed up what little food we did have. So after they replaced it I was about $30 in the red on my credit cards to replace some items (that I had just bought too).

Then I noticed that some Family Dollar's were closing so I thought it would be best to stock up on cheap things that we usually get there on sale as the one nearest to us is closing down. That put me another $80 in the red although it means not having to buy cleaning products and other household products for about a year or so. Also Target had a sale on paper products so another $40 in the hole but again I won't have to buy that stuff for months now.

Then today I realized I only have one pair of pants that fit and I decided for some reason that I deserve to eat out after a meeting with work. So between goodwill for pants and food out so now I am another $40 in the hole.

I can pay this from the next check but man did it add up quickly. Funnily I have no idea were my most of credit and debit cards are but know they are in the house or car somewhere as misc charges are not popping up. The only card I had left on my person has 5% gas points only right now so I was even more mad that I lost out on good points with the card that gets 1.5 per dollar although that might have helped curb my spending.

I did need pants though as my others are falling off. I didn't need to eat out but stuck to something cheap. I did splurge on groceries and household products but we should be set for a while so I'm not going to beat myself up about it. I do need to find my cards though. If I remember right I hid them from myself and boy did I do a good job because I have no idea where they are!

That temp gig fell through at my job so now I'm just waiting to hear if they have anything else. Right now I'm focusing on exercise, eating right and home cooking. I even made pizza dough last week when I normally would have spent $25 to order it out. Also stayed in my normal budget for gas groceries etc aside from the those few splurges. So I'm confident next week will go much better.

The at home coffee habit is harder to slide back into but after wasting almost $10 on out coffee I'm pretty much back on track.

Getting pants at the store that fit made me realize how much of my gut I had gained back which is great motivation to go back to the gym. I feel tired and stressed lately and other times over energized with no outlet so hopefully exercise will even that out. So just waiting to hear then about some more gainful employment. In the mean time I'm doing the best to be kind to myself while not breaking the bank and since those deficits are all taken care of, from now on sticking to the darn budget.