Yes, I know, that SHOULD read, is it Friday yet? But Monday means I get this cast off of my leg and I get a walking boot.
I NEED TO WALK. This past month has been horrible! I feel like I gained 50lbs, I am looking at a disaster area of a home, and I haven't been able to get to work. I never thought I would be so happy to be closer to going to work and talking to people who may yell at me. Yes, I am looking forward to that!
If you know how much I hate to clean, you would be surprised to know that I am DESPERATE to clean this house, just because I can't at the moment.
I can see the mess J has made on his side of the bed, but can I tidy it up? No, because 1) It takes an effort to get upstairs (I have been crawling up the stairs on my hands and knees since the surgery), 2) I have to use a walker up there and cannot bed over to pick up his stuff, and if I do pick it up, I cannot hold it and use the walker at the same time. *sigh*
I would kill to be able to take a bath right now. Seriously. I love baths, and I haven't had one since August 20th. I can barely take a shower because it is so difficult to bag my leg, actually get into the shower, shower, get out of the shower, dry, and dress. By the time I do all of that (upstairs by the way), I feel so sweaty that I would need to take another shower. So I shower when I am desperate enough, or I have to go out.
I have pretty much been dealing with this, and keeping to myself, but now that I am so close to getting the cast off, I am becoming impatient. I really just want to break it off lol.
Only a few more days, I can do it......maybe. lol
On the money front, we have really had to cut back this past week. My paycheck was only $675Net when normally it is $1200. Ouch. So extra payments to things did not get done.
That's another reason why I am looking forward to going back. Night differential :)
Hope you all have a great weekend!
Showing posts with label Payday. Show all posts
Showing posts with label Payday. Show all posts
September 28, 2012
December 16, 2011
Payday!
Hello all! Happy Friday, and Happy Birthday to Nikki at Debt Free By Thirty
Second, I was given an award by Little Lamb over at Little Lamb Wants to be Debt Free!
It's the Liebster Award. I feel very honoured that Little Lamb has passed this award on to me. Thanks! :)
"Liebster" is a German word meaning dear, sweet, kind, nice, good, beloved, lovely, kindly, pleasant, valued, cute, endearing, and welcome. What a gift to be awarded with such kindness! As for the details...The Liebster is a way to show a little Blog Love to bloggers who currently have less than 200 followers
The rules:
1. Thank the giver and link back to the blogger who gave it to you.
2. Reveal your top 5 picks and let them know by leaving a comment on their blog.
3. Copy and paste the award on your blog.
4. Have faith that your followers will spread the love to other bloggers.
5. And most of all - have fun!
Now, on to pass on the love! If you have been given this award previously, my apologies...my memory isn't what it used to be, and I may have forgotten that it has been seen before on your blog :)
1. Won't Go Down Without A Fight jpkittie has always been a good supporter for my blog, and has been crazy busy lately, but has been paying off their debt pretty darn quick! Look out CITI, you're next! :)
2. Head Over Heels.....In Debt! LOVE reading this blog. Simple and to the point. And recently some great news on the job front for her hubby, which can be stressful in it's own right.
3. Upendilife I always know that I will get my butt comment kicked by this blogger if I don't do my monthly updates....they are coming I swear! :P
Like Little Lamb, I know I only did three, but I have an excuse, I'm going to be late for work!!!
It was Payday yesterday and today for J and I.
J's getting really bored over in Afghanistan. His company has hired more people than they need, and he's not doing his normal job as much. The only bright side is he's still getting paid whether or not he's at work! Bonus!
I decided with this normal Afganistan paycheck to not really pay much with it, I want to refill the reserve that I had before J came home (I let him shop quite a bit in 30 days...after all, he is making a huge sacrifice).
Gazelle like Payments are coming in January. Watch out Canadian Cards, Car and Jeep!
Second, I was given an award by Little Lamb over at Little Lamb Wants to be Debt Free!
It's the Liebster Award. I feel very honoured that Little Lamb has passed this award on to me. Thanks! :)
The rules:
1. Thank the giver and link back to the blogger who gave it to you.
2. Reveal your top 5 picks and let them know by leaving a comment on their blog.
3. Copy and paste the award on your blog.
4. Have faith that your followers will spread the love to other bloggers.
5. And most of all - have fun!
Now, on to pass on the love! If you have been given this award previously, my apologies...my memory isn't what it used to be, and I may have forgotten that it has been seen before on your blog :)
1. Won't Go Down Without A Fight jpkittie has always been a good supporter for my blog, and has been crazy busy lately, but has been paying off their debt pretty darn quick! Look out CITI, you're next! :)
2. Head Over Heels.....In Debt! LOVE reading this blog. Simple and to the point. And recently some great news on the job front for her hubby, which can be stressful in it's own right.
3. Upendilife I always know that I will get my butt comment kicked by this blogger if I don't do my monthly updates....they are coming I swear! :P
Like Little Lamb, I know I only did three, but I have an excuse, I'm going to be late for work!!!
It was Payday yesterday and today for J and I.
J's getting really bored over in Afghanistan. His company has hired more people than they need, and he's not doing his normal job as much. The only bright side is he's still getting paid whether or not he's at work! Bonus!
I decided with this normal Afganistan paycheck to not really pay much with it, I want to refill the reserve that I had before J came home (I let him shop quite a bit in 30 days...after all, he is making a huge sacrifice).
Gazelle like Payments are coming in January. Watch out Canadian Cards, Car and Jeep!
August 26, 2011
Payday and Payoffs August Edition
So yet another payday for J and I and more credit cards have been paid off.
My Navy Federal Visa and Mastercard are PIF!
The Home Depot card is PIF!
We also reduced J's Navy Federal Visa and Mastercard by $800
I'm getting ready for Irene to hit. It shouldn't be so bad here, but I have things like water, batteries and propane just in case.
And now for the news that I posted about last.
We didn't put an offer on the house, because after having 2 extra days to think about it, there were more cons than pros for the house. If I could pick the actual house up and move it to the county we live in now, it would have been perfect.
So..... with more news with that, J is going to go back to Afghanistan for 5 more months. He will come home for 30 days and then go back. This will eliminate my Canadian credit cards, our car payment, and a larger down payment (or funds for renovation/fixes) when we do buy a home. And...for J, he will get to buy some of the fun things he has been dreaming about for a long time. He would deserve it, as he's making the bigger sacrifice by going back.
With eliminating my Canadian cards and the car, I would have an extra $1700 every 4 weeks to help with expenses, and hopefully in the next year, a baby :)
The updated numbers will be coming in next week.
I will be going to Gettysburg with a couple of friends for history, (a little) shopping and a nice dinner.
Have a great weekend! If Irene is in your path, stay safe :)
My Navy Federal Visa and Mastercard are PIF!
The Home Depot card is PIF!
We also reduced J's Navy Federal Visa and Mastercard by $800
I'm getting ready for Irene to hit. It shouldn't be so bad here, but I have things like water, batteries and propane just in case.
And now for the news that I posted about last.
We didn't put an offer on the house, because after having 2 extra days to think about it, there were more cons than pros for the house. If I could pick the actual house up and move it to the county we live in now, it would have been perfect.
So..... with more news with that, J is going to go back to Afghanistan for 5 more months. He will come home for 30 days and then go back. This will eliminate my Canadian credit cards, our car payment, and a larger down payment (or funds for renovation/fixes) when we do buy a home. And...for J, he will get to buy some of the fun things he has been dreaming about for a long time. He would deserve it, as he's making the bigger sacrifice by going back.
With eliminating my Canadian cards and the car, I would have an extra $1700 every 4 weeks to help with expenses, and hopefully in the next year, a baby :)
The updated numbers will be coming in next week.
I will be going to Gettysburg with a couple of friends for history, (a little) shopping and a nice dinner.
Have a great weekend! If Irene is in your path, stay safe :)
August 11, 2011
Another Payday Another Paydown
Today is J's payday. It's funny, with me being on vacation, the last payday occurred when I was on my way up to Canada. It doesn't seem that long ago, but here we are, another two weeks have passed!
Today, I have made payments to J's Navy Federal Visa and Mastercard for $1000 each, and to my Navy Federal Visa and Mastercard for $500 each. For a total of $3000 paid down. It won't be long before these are long gone too!
I was going to make higher payments, but I'm waiting to see if there is something that I have forgotten. I guess because I wasn't spending the money in the account when I was in Canada I ended up having more in there than I normally would (groceries, gas, etc).
I will most likely make a deposit to my Canadian credit cards to pay what I used while I was up there. One benefit of having my Canadian CCs...I don't have to pay the conversion rate when I use them!
Tomorrow will be my pay day, but so far all that I need to pay from it is my MBNA CC which depending on the conversion rate from the bank, should be $950.
On the Credit Score update, my Equifax score changed when I was in Canada from 668 to 684! I beat J lol. Although when our reports update with the changes in utilization to his Navy Federal CCs (should be $5000 difference between the two) his Equifax will probably skyrocket....well that's what I'm hoping anyway :)
Tuesday and Wednesday were No Spends for me, today and tomorrow will be another. It's pretty bad that when I was on vacation I only had 3 No Spends out of the 12 days I was up there. That's ok, still have half of the month to make my goal of 15 or else Rafiki over at Upendilife will definitely let me have it! :)
Hope your week has been good, cannot wait for the weekend!
Today, I have made payments to J's Navy Federal Visa and Mastercard for $1000 each, and to my Navy Federal Visa and Mastercard for $500 each. For a total of $3000 paid down. It won't be long before these are long gone too!
I was going to make higher payments, but I'm waiting to see if there is something that I have forgotten. I guess because I wasn't spending the money in the account when I was in Canada I ended up having more in there than I normally would (groceries, gas, etc).
I will most likely make a deposit to my Canadian credit cards to pay what I used while I was up there. One benefit of having my Canadian CCs...I don't have to pay the conversion rate when I use them!
Tomorrow will be my pay day, but so far all that I need to pay from it is my MBNA CC which depending on the conversion rate from the bank, should be $950.
On the Credit Score update, my Equifax score changed when I was in Canada from 668 to 684! I beat J lol. Although when our reports update with the changes in utilization to his Navy Federal CCs (should be $5000 difference between the two) his Equifax will probably skyrocket....well that's what I'm hoping anyway :)
Tuesday and Wednesday were No Spends for me, today and tomorrow will be another. It's pretty bad that when I was on vacation I only had 3 No Spends out of the 12 days I was up there. That's ok, still have half of the month to make my goal of 15 or else Rafiki over at Upendilife will definitely let me have it! :)
Hope your week has been good, cannot wait for the weekend!
July 15, 2011
Paydays!
Yesterday and today were paydays for J and I.
We have now paid off another 3 Credit Cards!!
Walmart Discover $503 Paid in Full
Discover $511 Paid in Full
USAA $812 Paid in Full
We were also able to pay down the Navy Federal credit cards. So in total we were able to pay $3450 in credit card debt today :)
I only had 1 spend so far this week, but today should be another which will make 8 no spend days for the month.
Tomorrow, my realtor and I will be looking at homes. I went to look at one yesterday and it's PERFECT for J and I....but it's more than our budget (although the loan officer I talked to stated that we technically could afford it) and I want to compare other properties.
Hope you all have a great weekend!
We have now paid off another 3 Credit Cards!!
Walmart Discover $503 Paid in Full
Discover $511 Paid in Full
USAA $812 Paid in Full
We were also able to pay down the Navy Federal credit cards. So in total we were able to pay $3450 in credit card debt today :)
I only had 1 spend so far this week, but today should be another which will make 8 no spend days for the month.
Tomorrow, my realtor and I will be looking at homes. I went to look at one yesterday and it's PERFECT for J and I....but it's more than our budget (although the loan officer I talked to stated that we technically could afford it) and I want to compare other properties.
Hope you all have a great weekend!
June 16, 2011
Money Comes In, Money Goes Out
Today is J's Payday. It's sad that I sit with my laptop waiting for 11:30am to hit because that is when his Credit Union memo posts his paycheck and I start paying bills.
So far I have set up payments for the Walmart Discover $1000, Discover $500, USAA $500 and NFCU Loan $300. I have also set up the pay off for the REI Visa $922.07.
Those will post tonight.
In other news, we finally got a decision from the VA regarding J's request for disability benefits. He never filed them when he got out of the Navy back in 1997. We were told by lots of people "plan to wait a long time!" or "You won't get anything from them, it's been too long".
Well, it can't hurt to just file. The worst that would happen is they would say is no. It took a year, but he 'qualifies' for 10% which is $123/month. They back dated to last June, so a nice deposit of $1476 showed up in the account last week.
Problem is, he should qualify for more. 'Apparently' he missed a VA medical appointment for his shoulder, which he injured and had to have surgery on when he was doing PT. We NEVER received an appointment letter for that. So we will appeal. This supposedly happens all of the time when veterans file for disability benefits, which I think is disgusting.
So, we'll take the 10% for now, and file the appeal, which he should get a new appointment, and hopefully he will qualify for more.
The really good news about this, is that when we go for our mortgage, which will be a VA Loan since we qualify for it, we won't have to pay any funding fees for it. A friend at work who takes mortgage applications, and has done many VA loans for her own mortgages has been really helpful in answering questions about it all. Hopefully by the end of this year we will have pictures of our new home :)
Update on the no spends is 2 so far this month. The next couple of weeks will definitely have to be strict for me!
So far I have set up payments for the Walmart Discover $1000, Discover $500, USAA $500 and NFCU Loan $300. I have also set up the pay off for the REI Visa $922.07.
Those will post tonight.
In other news, we finally got a decision from the VA regarding J's request for disability benefits. He never filed them when he got out of the Navy back in 1997. We were told by lots of people "plan to wait a long time!" or "You won't get anything from them, it's been too long".
Well, it can't hurt to just file. The worst that would happen is they would say is no. It took a year, but he 'qualifies' for 10% which is $123/month. They back dated to last June, so a nice deposit of $1476 showed up in the account last week.
Problem is, he should qualify for more. 'Apparently' he missed a VA medical appointment for his shoulder, which he injured and had to have surgery on when he was doing PT. We NEVER received an appointment letter for that. So we will appeal. This supposedly happens all of the time when veterans file for disability benefits, which I think is disgusting.
So, we'll take the 10% for now, and file the appeal, which he should get a new appointment, and hopefully he will qualify for more.
The really good news about this, is that when we go for our mortgage, which will be a VA Loan since we qualify for it, we won't have to pay any funding fees for it. A friend at work who takes mortgage applications, and has done many VA loans for her own mortgages has been really helpful in answering questions about it all. Hopefully by the end of this year we will have pictures of our new home :)
Update on the no spends is 2 so far this month. The next couple of weeks will definitely have to be strict for me!
June 4, 2011
Pay Days and Pay Offs/Pay Downs
This week was another pay day for J and myself. My last week on my regular salary. My pay raise should have kicked in on 05/29 so my next paycheck should reflect that increase (so happy!)
With J's pay we were once again able to pay off and pay down some of our debt.
So far I have done the following:
Walmart CC $626.87 - PIF!
Best Buy Mastercard $771.12 - PIF!
JCPenney $500 - Paydown with $480 remaining. This will be paid in full next paycheck.
Dell $520 - Paydown with $964.16 remaining. This will be paid in full around September. I have 0% financing on this until May 2012 but with J being away, we wanted to skype and I ended up getting him a laptop back in March. This should take care of the remainder on the interest part of the financing.
J's Corporate Card $435.60 - PIF I don't really count this towards our debt because it is all reimbursed by J's work. We're just waiting on his expense reports to come through. When it does I will probably just pay the JCPenney card off in full (which could be before next payday!)
On a really good note, I called MBNA Canada, with whom I have a credit card. They were actually my very first credit card that started with a $500 credit limit. That limit is now $22500 (and of course has NO effect on my credit down here). The interest rate was 18.5%. I decided to try for a reduction since I have never been late, and since I have a pretty high balance on the card right now. They were able to reduce it by 4%! That's going to save me $80 in interest per month! (yes, I have a HIGH balance on the card).
MBNA actually did something that at first I thought was horrible. They raised my minimum payment from about $300/month to clost to $600/month about a year ago. I was terrified! How was I going to make that! Well, I did. And I actually found myself making more than that. I actually feel like I'm getting ahead on paying it down because it's not 'all' going to interest.
So with the reduction, not only am I making more than double the interest charge, I'm going to have that extra $80 going towards principal :)
Next up, RBC Visa (my other Canadian card which is at 19.99%)
With J's pay we were once again able to pay off and pay down some of our debt.
So far I have done the following:
Walmart CC $626.87 - PIF!
Best Buy Mastercard $771.12 - PIF!
JCPenney $500 - Paydown with $480 remaining. This will be paid in full next paycheck.
Dell $520 - Paydown with $964.16 remaining. This will be paid in full around September. I have 0% financing on this until May 2012 but with J being away, we wanted to skype and I ended up getting him a laptop back in March. This should take care of the remainder on the interest part of the financing.
J's Corporate Card $435.60 - PIF I don't really count this towards our debt because it is all reimbursed by J's work. We're just waiting on his expense reports to come through. When it does I will probably just pay the JCPenney card off in full (which could be before next payday!)
On a really good note, I called MBNA Canada, with whom I have a credit card. They were actually my very first credit card that started with a $500 credit limit. That limit is now $22500 (and of course has NO effect on my credit down here). The interest rate was 18.5%. I decided to try for a reduction since I have never been late, and since I have a pretty high balance on the card right now. They were able to reduce it by 4%! That's going to save me $80 in interest per month! (yes, I have a HIGH balance on the card).
MBNA actually did something that at first I thought was horrible. They raised my minimum payment from about $300/month to clost to $600/month about a year ago. I was terrified! How was I going to make that! Well, I did. And I actually found myself making more than that. I actually feel like I'm getting ahead on paying it down because it's not 'all' going to interest.
So with the reduction, not only am I making more than double the interest charge, I'm going to have that extra $80 going towards principal :)
Next up, RBC Visa (my other Canadian card which is at 19.99%)
February 5, 2011
Weekly Re-Cap
This week was pretty good. With the hubby down at training and getting ready for deployment, I haven't been able to spend any money haha
Sunday 01/30
No Spend!
Monday 01/31
No Spend!
Tuesday 02/01
No Spend!
Wednesday 02/02
Lunch at Work $10
Thursday 02/03
Chipotle $7.98
Friday 02/04
No Spend!
Saturday 02/05
Tonight we are celebrating our anniversary early. Since hubby will be gone for training during our real anniversary, we'll go out for dinner tonight.
Plus, we need to get him some essentials for his deployment.
We got our federal tax refund yesterday of $2123. $1300 of it has already been set aside to pay for a project we've been doing for a year now. We'll finally be able to pay it all off.
That leaves us with $800. That's been moved to a checking account that isn't being used right now, so that we don't just spend it. It will pay for those few things that hubby needs, plus some debt.
Next week, is payday for both J and I. The week after I should be getting my bonus from work. I've figured it should be about $750. The last week of February will also be another pay day for both of us.
The bonus money will also go towards paying debt. I have a Firestone account that is due by March that I don't want to pay the deferred interest on! That will get paid off.
Well, off to spend the day with J, and enjoy our early anniversary :)
Sunday 01/30
No Spend!
Monday 01/31
No Spend!
Tuesday 02/01
No Spend!
Wednesday 02/02
Lunch at Work $10
Thursday 02/03
Chipotle $7.98
Friday 02/04
No Spend!
Saturday 02/05
Tonight we are celebrating our anniversary early. Since hubby will be gone for training during our real anniversary, we'll go out for dinner tonight.
Plus, we need to get him some essentials for his deployment.
We got our federal tax refund yesterday of $2123. $1300 of it has already been set aside to pay for a project we've been doing for a year now. We'll finally be able to pay it all off.
That leaves us with $800. That's been moved to a checking account that isn't being used right now, so that we don't just spend it. It will pay for those few things that hubby needs, plus some debt.
Next week, is payday for both J and I. The week after I should be getting my bonus from work. I've figured it should be about $750. The last week of February will also be another pay day for both of us.
The bonus money will also go towards paying debt. I have a Firestone account that is due by March that I don't want to pay the deferred interest on! That will get paid off.
Well, off to spend the day with J, and enjoy our early anniversary :)
December 16, 2010
Almost Payday and Promotion
As I mentioned in a previous post, I was promoted to a new position at work. I cannot say where I work, but I am in the financial industry and it's a pretty large credit union (take what you want from that :P) I work in the call center and take credit card and loan applications. What better motivation to get rid of our debt! It's sad really sometimes and can be hard to tell people they have been declined.
Christmas plans are going....ok. My MIL is coming this weekend and it's going to be a mad scramble to get everything ready for her, but it will be worth it. J hasn't spent Christmas with his mom in years. J still has shopping to do for me, and we have to shop for his mom, plus stockings but everything is budgeted for and we'll be ok.
I did have a scare yesterday. Our electric bill. $259!!! I was so worried that I would have to cut our Christmas budget down, knowing that it wasn't great to begin with, but the good news is that we can pay it on time and not have to cut anything! I'm pretty proud of that :)
Well, J just came downstairs, and declared it is snowing out. YAY! Being Canadian I LOVE when it snows. I hope it stays for Christmas, or that we get even more ;)
Christmas plans are going....ok. My MIL is coming this weekend and it's going to be a mad scramble to get everything ready for her, but it will be worth it. J hasn't spent Christmas with his mom in years. J still has shopping to do for me, and we have to shop for his mom, plus stockings but everything is budgeted for and we'll be ok.
I did have a scare yesterday. Our electric bill. $259!!! I was so worried that I would have to cut our Christmas budget down, knowing that it wasn't great to begin with, but the good news is that we can pay it on time and not have to cut anything! I'm pretty proud of that :)
Well, J just came downstairs, and declared it is snowing out. YAY! Being Canadian I LOVE when it snows. I hope it stays for Christmas, or that we get even more ;)
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