Friday, August 31, 2007 men

Stop looking at my ass.
Can you at least be subtle....stop saying stupid shit. Walking around looking like a leprechaun, what makes you think I want you.

I got a man, nuff said. Back off, no I do not want to be your friend, do I look like a people person.

What you like a challenge? Fvck, the screw face was not enough to keep you away. You can walk on the sidewalk next to me, but if you so much as make wind brush up against me, I will slap that smirk off your face.

No you are not getting my digits!! Why you always in front the damn building just sitting there. Get a job.

Little boy am a grown woman, get your 22 year old, mothers milk on your breath face from in front of me.

Stop making up names to call me! I am not your baby girl, empress, Queen, chocolate beauty or none of that shit!! Hell just do not talk to me. You think that makes it cute! No it does not!

I've just had it with the random disrespect from men on the streets. Fvck I know its a speech is free, but one day am gonna snap and slap one of you fools!!

Thursday, August 30, 2007

I've been tagged

I was tagged by Debt Challenger to give one piece of financial advice.

For those in debt, and are considering a second job here is some advice. Make sure the second job is flexible, and does not get in way of your main job, a.ka. your bigger bread and butter. The income from the second job should be either close to your main job or close to home to keep commuting costs down. The key is: your income from your second job should not be used to increase your lifestyle. It should be used to pay down your debt and increase savings.

Tuesday, August 28, 2007

I am participating and random crap

The decision has been made. I will participate in the 401K at the part-time gig. I just realized am in the position where both jobs (well at least when I had the two) have a matching 401K or 403B. I did not even expect that from the part-time gig.

I will be there for as long as I can.

While we are on the subject of the part-time gig, here goes:

Yeah people are still writing checks, and am still looking at them like they have three heads.

It is back to school shopping time, I know that. Hell, that little bastard does not need that many clothes. Why you got three pairs of the same shade of jeans for him. Let him alternate what he already has, and you wonder why the card declined.

Make your decision before you get to my register. How many times must I say this? Why do you have $200 worth of clothes if you only have $75. Come on, there are people on line behind you.

Friday, August 24, 2007

401K at the second gig

Apparently I am eligible to participate in the 401K plan at my part-time gig. I am sure some where I was told this a year ago when I started but I did not pay attention. This is how it works. You are automatically enrolled unless you opt out. I was sent a packet in the mail and threw it in the garbage because I figured it was sent by mistake. Then today I got a card in the mail informing me to return the crap that was in the package. Huh??

My question is should I participate in the 401K at the second gig?

Just some additional information:
I resigned from my full-time job a few weeks ago, and am waiting to start a new one. In the mean time I am 'full-time' at the second gig. Which is now technically my only gig.
I will definitely be keeping the part-time, now full-time gig once I start the new job in a few weeks.

Did I mention there is a match, I like free.

Thursday, August 23, 2007

Random stuff

1. Am getting to be more and more organized. Once my bills come in, I put the minimum into online bill pay. This way nothing gets paid late. Once those are done being paid then I make an additional payment.

2. Gas is now down to $2.49 per gallon. Am so happy.

3. Velveeta Shells and Cheese at the supermarket is $2.79, at Target it is $1.52 regular price. I am getting better at letting my dollars stretch a bit more.

4. Now that it is summer I would encourage anyone looking to pay down debt, to get a part-time job. It really, really helps. I will be keeping mine for quite a while longer, I actually enjoy it most days.

5. I am glad I do not have children, back to school shopping is no joke.

6. This blog is making me more accountable for my finances each day. I look at prices more closely, look for more bargains and save as much as I can, when I can.

Sunday, August 19, 2007

Spending Aug 11 - 18

My stomach = $56.61 ( I just had to crave pizza, bread sticks and hot wings - Dominoes anyone?)

The ride = $30.00

Train fare = $4.00

Shelter = $910.50

Shelter upkeep = $7.46

Credit cards = $411.04

Clothing & Accessories = $10.65 ( I got a pair of shoes and capri pants for this price) Bargainnnnnn!!!

I need to reign in my cravings for certain things. They can be pricey.

I did not keep the best records for the past few days. Things got kinda crazy and I might be forgetting one or two things.

Friday, August 17, 2007

Cleaning house and making some cash

Today I decided to clean out my closet and discovered tons of books. I completely forgot how many books I had stored in my closet. I quickly went ahead and posted those books on Hopefully I can get rid of my clutter and make a little cash at the same time.

Wednesday, August 15, 2007

Issues with my 'neighborhood' supermarket

Note to the supermarkets in my 'neighborhood', get it together. I do not always feel like driving to Pathmark or making a detour to Stop & Shop on my way home from work. On those days am forced to venture into your 'little' supermarket, but this does not mean I expect inferior service. So to Metfoods, Bravo and the C-Towns of my hood, here are a few things you can do:

1. Get a few people that speak English to work there. I have no problems with the people that do not speak English, but newsflash there are people in the Bronx who speak English only. We would like to have workers that 'understand' what the heck we are saying when we have a question.

2. Clean please. Just clean. Clean up the fvcking mess. That's it.

3. What is that smell!! It has been three years and your place still smells like shit.

4. Spellcheck your fvcking signs.

5. Note to cashier: yeah it says debit card, but do you see that big Mastercard logo? That means I can use it as a credit card, so shut up!

6. Save the best for last: WTF!! that customer just stepped on the baby mouse and kept it moving like it was nothing. Huh!! Unlike Arnold, ' I WILL NOT BE BACK'.

Tuesday, August 14, 2007

A cheap breakfast idea

My cheap breakfast for today is cornmeal porridge. Love it!!! not to mention the ingredients can all be had for under $5.00, and makes quite a few servings.

Back to eating my breakfast!

Ms. Behaving thanks for the warning, cuz girllllllll if you made me spit out my cornmeal porridge we woulda had a problem!!!! LMAOOOOOO

Friday, August 10, 2007

August 1 - 10 Spending

My ride = $330 ( includes gas and car payment)

My stomach = $44.79 ( includes groceries and eating out)

That's it. Not much.

Monday, August 06, 2007

Spending diary in progress

I have been diligently writing down everything I buy. Compared to the average person I spend very little on stuff. My spending so far has been on the basics such as food and bills.

Update and numbers to follow in a few days.

Thursday, August 02, 2007

Are you kidding me?

As most of you know my part-time gig is in retail. One thing I like about the job is that it I notice things about shoppers that make me go, huh! most times its WTF!

I actually had three customers recently in one day that wrote checks for their purchases. What is with the whole writing check thing at stores? Helllooooo, are you doing it because you think you have a float or something? because guess what Einstein, we are converting that bad boy to an electronic transaction.

Why are people still walking around with their social security cards in the wallet? Seriously, this is 2007 and you cannot go a week without hearing about identity theft. And here you are walking around with your checkbook and social security card. WTF!

If you have a store card that declines this means you are carrying a balance. Huh!! you mean that you did not pay off for those socks and shirts, so you are now gonna pay 23%. WTF

Am no saint I have store cards, but do not carry a balance on them. Frankly, they are not used very often, maybe once every couple of months, if that often at all.

Wednesday, August 01, 2007

No more NEW credit card debt

This morning it finally hit me that for the past few months I have not incurred any new credit card debt. My credit card balances are going down, and am using cash or my debit card for new purchases.

Yipppeee!!!!!! Go me!!!!!!

This blog is really helping to keep me sane where my finances are concerned.