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Second major pay day

June 26th, 2015 at 12:42 am

So happy I was able to pay off a huge chunk of current cc debt and put my part-time job check toward rebuilding my emergency fund too. Almost back up to $500 which makes me feel a little better.

Next time I get paid I'll be able to wipe out most of the last of the cc debt which is exciting.

Then I'll have taxes due again but that is okay its like slipping back into revolving cc debt.

I already pulled out my spending money for the next two weeks. I'm almost happy to be back on a budget and to get things back into control and on track again.

Tomorrow I will have to straighten out the Student Loan People again but no biggie. I have to do it every month. I'd rather do that then have to deal with the way they misappropriate the funds.

One time they lectured me about the way I send in extra payments and how it wasn't convenient to them. I found that somewhat hilarious.

Anyway hope I can sleep soon gotta get up and do it all again tomorrow.

Strolling along

February 28th, 2015 at 02:29 pm

I haven't been posting because there hasn't been much to post.

I am near the end of my EF funds and was picked up for a small task at my old contract position that will bring in some much needed funds.

I went on a trip recently which I had promised to go on when I still had funds so I went. I used up a lot of money and I feel bad about that but I don't feel bad about getting away.

I just paid off what was racked up on the cards during the trip. I still have one more trip to go for a wedding I'm in and I'm trying to get that money ASAP.

Still doing okay so far. After this project is done I'll figure something else out. I'm still working part-time which is great because of the constant influx of at least some cash.

Miss being able to post about stockpiling money but I'm sure that day will come again someday soon.

I am proud of myself for at least having the foresight to save that much money and keep my part-time job so I could keep paying my bills.

Next time I get a good paying contract I am going to pay off my smallest student loan that has been whittled down to below $450.

I will then save up as much as possible in my EF and see about fixing my teeth and paying off an old medical bill that has been in collections for quite some time.

I am happy that I thought of myself first in this situation and that I can continue to live the way I want to more or less.

Hope everyone else is doing well.

A month out

September 17th, 2014 at 12:44 pm

No updates yet about jobs. Had a few temp offers but all for areas that are not cost effective to commute to every day for the pay they are offering.

Just got back from a planned trip. The family wants to pay for my ticket out again but I'm not sure I can afford the price of even being there. I mean I can but I don't want to dip into savings to do it.

Just walking around and unpacking today patting myself on the back for having the sense to save up some money and to keep doing those small gigs to bring in money here and there plus the part time job. It's exciting to think that if I got a well paying contract tomorrow I could pay off my lowest student loan amount. If I pick up more of those I may have it paid off by the end of the year which would free up an extra $15 a month to roll into the next loan each month.

I'm so happy that I have options here and don't have to feel like my back is against the wall as it was all those other times.

Nelnet woes and did my math wrong

July 25th, 2014 at 12:28 am

I was all happy because I am wiping out all the last of the credit card balances I got while stockpiling food and supplies for when my job goes away.

And then I discovered that I accidentally applied a payment out of the wrong account! Now I have to go through and fix this. And I was all happy because I thought I had extra money to send a little more to my student loan.

On the student loan front. I still have to reset it every month and that is a bummer. Oh well though I guess. At least I catch it every time but its taking them a long time to fix it this month. I hope there is not another fun excuse as to why its taking so long. They always seem to have something up their sleeve.

Well I can be happy for no more credit card debt and next check if all goes well I will have a bit of a buffer too so that's good news. I just worry a bit that I will drain all the savings but I think with the part time job I won't have to do that.

Well see how it goes. The pressure is on but at least I have a nice emergency fund!

Way over budget on a vacation and waiting to hear on a job

June 26th, 2014 at 12:58 pm

I just went on a nice vacation where we spent enough money to be able to pay off one of my student loans. I am really upset about it but what can I do now.

I had never really traveled with my husband like this before but now I know a reasonable budget that I can follow for our next one.

I'm so down that I haven't been able to focus on work and just stressed. This isn't how vacation was suppose to feel.

I'm trying to pick up the pieces so I can settle the debt right away and move on. I still have a few months expenses, my part-time job and side projects I can start working on.

I think I need to redefine my goals again I accomplished a lot of them and now I need to prioritize what should be saved for first. I am doing pretty well on sending all snowflakes to student loans. I have reduced the balance on one by $200 since the beginning of June.

The future looks bright despite the huge hiccup in the road. I am just going to try to keep giving it my best and cross my fingers. I have been doing so well so far that I must be doing something right!

Good news!

June 16th, 2014 at 11:06 pm

Looks like I might get picked up for other temp work at my job. This is amazing.

I just spent a lot of money though on this trip so my next check will have to resolve that. I just thought to myself how cuckoo to know I'll have money for a bit longer.

I tried to figure it out and I think what I'll do is:

Save money for the next car insurance lump sum.
Pay off my Old Medical Bill and raise money for Dental work.
Pay off the Hotel Stay.
Set myself up with payments for next year's once a year bills (car registration etc.)

Still do my 26 week challenge, still send an extra 20 each week to my lowest student loan. And pay myself car payments.

It feels sort of impossible but I do my best. I'm trying to get out from a pile of debt soon and buying all that stuff didn't help. I'm sure after this vacation though and the relaxation and enjoying the things I spent my money on I will get right back on track. It feels like I am not getting ahead but I'm a lot better off than I was with careful planning I should be right where I want to be in no time.

I also need to stop being so hard on myself! I have done a lot with a little.

Pretty Close to that 6 month goal and various other updates

June 13th, 2014 at 01:46 am

Things are going well except for my urge to splurge on coffee out on a regular basis. Guessing its part of stressing out from not knowing what's going to happen with the project and whether I'll be picked up for another.

I'm just a hair shy of hitting my 6 month of expenses goal because I was able to save up enough money to pre-pay car insurance. This is great because it means I can live off the crappy pay from my part-time job if I absolutely had to.

Been getting alot of snowflakes in which I've been putting toward paying off my student loans. I have also been using smarterbucks to see if that helps. So far it hasn't so much but every little bit helps. I'm just not sure how long it would take to get to the $10.00 cash out amount.

My EF is almost at 4K which is amazing considering I had to pull from it twice in the past 12 months for emergencies.

It appears that I finally have a positive net worth which is nutty to me but also awesome. I'm going to do everything in my power to keep it in the positive.

I got my registration and called in they stated I could leave the title situation the way it is or pay about 10 bucks to convert it to the state I am in now. I think I might convert it just so that all the paperwork matches up.

It's nice to see things getting taken care of before the potential loss of my assignment. I had never dreamed of getting all the things done that I have in the past year.

I know that if I work hard I can get the rest of my goals accomplished too. Just have to keep working hard and trying!!

Nelnet is confusing and other issues

May 29th, 2014 at 09:37 am

There have been so many expenses in the last few days that for the first time in a while I don't know what is going to happen to this paycheck. And I'm crossing my fingers that it will even show up because there was a holiday in there so I hope that doesn't affect processing.

I've been off my game with lunches and coffees and my full time work is about to involve a commute again with my part-time work also causing issues.

I feel alone with not much help. We are going on a vacation soon so that should be nice. I'm feeling a little trapped I suppose. I am working on getting new projects have a few recruiters in the mix and what not.

Lastly though there is Nelnet who is so so confusing. I made an extra payment on my loan which pushed out my due date, which in turn affected my KwikPay, which I then spent time speaking to a chat rep who said I could have this adjusted correctly the request was put through. Then I called this morning when I realized it was way out of the time frame in which the request should have been completed and that rep told me something different from the last rep. Then I decided to go online again to have another chat and this rep finally told me that unless you make a double payment on the individual loan it will not give you the option to avoid having the date pushed out online.

She stated that since I have all these requests in putting in a double payment might undo the requests but they could fix it again if that happened. They also said if the date is not pushed out then KwikPay should go through as it normally does.

That info is not explicitly anywhere on the website nor does it warn you that if the date is pushed out on one of your loans the KwikPay will be affected. I'm glad I'm so vigilant on this and didn't give up. Well see. I double payment is $10 more than I was planning to send in but it won't kill me to do so. I hope it does work out fine but we will see.

It seems like a lot of effort when all I want to do is pay ahead on my loan. It seems its pretty straight forward when you miss a payment but when you want to get ahead it comes with a whole lot of stipulations and no guidance...

Sent in my final car payment!

May 16th, 2014 at 12:13 pm

I spent about 2 hours yesterday figuring out the whole title thing. It's all going to work out as far as me receiving the title then I'll worry about changing insurance the registration etc once the title shows up. I'm not sure what the process is for that but I'll find out soon enough. One step at a time!

My refund from the medical bill still hasn't come in yet so I'm just going to apply that money toward my goal of saving up enough money to pay off the car insurance in full.

I took a few bucks and make a small payment toward our upcoming hotel stay and I was able to make a $20 extra payment toward my student loans which feels pretty gosh darn awesome.

As of Monday my car loan is paid off about a year and a half ahead of schedule and 6 months before even I intended to make it happen.

I should be getting 2 more if not 3 more checks out of this job and then there's the possibility of being picked up for a new project. Either way I just put myself in a fantastic position to be able to make it by longer on my part-time position if it comes to that.

I was also able to set aside of few bucks for myself which is nice. I'm going to plan to do that for the next paycheck as well.

It almost doesn't feel like its anything because I scrapped by and obsessed a little too much about getting to the finish line but I'm sure once the title comes in and I'm changing things to reflect that the vehicle is mine outright it will be a little more real.

If I get picked up for another project soon that would really help me keep up this progress. Either way I am happy to have reached one of my 2014 goals! Hope everyone else is having a lovely Friday.

Car issues, keeping up with frugality and reflection on total debt

April 30th, 2014 at 03:31 pm

I got in a minor car accident this weekend. My car wouldn't stop in the parking lot for some reason so it hit another car. Such a bummer. Went in the store and found the person then exchanged info. I'll pay the deductible on the car insurance to keep my car checked out.

Right after that I called the dealership about getting my car fixed up for the recall and the parts are not in yet thats a bigger bummer.

Been feeling really down lately so work has been slow going. Started doing that thing where I internet browse items I cannot afford.

This time was a little different though. I realized because I have paid off as much as I have I am that much closer to actually affording those things if I wanted. That was kind of nice.

My grocery budget is busted so we are shopping out of the pantry until midnight tomorrow when I get paid. I have made a solid commitment to not touch the credit cards and have stuck to it. It is not fun but it is nice to know I don't owe anything to any body right now aside from my established loans and the bills. All extra money is going to the hotel stay for our trip and saving some spending money for the trip as well.

I wanted to pay the car insurance bill in full again but I'm not sure I can do it. I will need some help or have to take money out of the savings to close the gap. I think I might just do that it will be easier to cover things if I don't have the bill hanging over my head. The first priority is the car though. The car payment is much more a month to month than the insurance and if I'm not mistaken owning the car should even lower the insurance a bit.

It of course once again depends on the job situation. I am trying to commit to fitness as well so I have something else to focus on other than stress and it might mean I'll look good on the trip too.

I realized not that long ago when stressing out about debt that I have not only done a great deal in eliminating debt in the past year but have actually basically halved my debt since I got out of school and started working.

When I got out of school I had 7K worth of credit card debt, 21K worth of student loans and I got my car which was another 14K for a grand total of: 42K.

Now it is actually a little over 20K with no credit card debt (save for 400 on a 0% interest card that is being paid off each check), under 18K worth of student loans and a little over 2K on the car.

That made me feel really good. Not bad for a permanent temp!

Student loan interest and the job goes on

April 23rd, 2014 at 08:45 pm

So my balance is finally below 18K. But I found out that I have about 3 dollars of interest daily. So that's 90 dollars a month. That's kinda nutty.

I can't wait to be able to put money toward them. And now that I know my job is going on for a bit I might be able to put money toward them.

Well see how it all works out in the next few weeks. I picked up some side gigs that are super temporary but add some extra income for funds. Hoping to make some more money off these gigs.