Thursday, December 25, 2008
A raise of 4% is right around the corner somewhere.
I am silently praying that Uncle Sam and his bastard child NY State have mercy on me next year.
Paying in cash feels good, walking around with change doesn't.
I am tired of hearing about the Black Friday 2 phenomenon, a.k.a the day after Christmas sale. I have no money to spend anyways, so it does not matter. ( Is it really a phenomenon if it is just made up media hype?)
Gas is now $1.84 per gallon in my area.
Looking around my apartment I realize that I started to accumulate 'stuff'. I will now have to really assess each purchase.
Tonight I was bored and decided to take inventory. There are too many half done bottles of products to count. Bath and Body Works will not be getting my money in the after Christmas sale like I planned.
Wednesday, December 24, 2008
Tuesday, December 23, 2008
1. Add $3,000 to the e-fund bringing the balance to $5,000.
2. Pay off the final balance on my credit card debt.
If I can accomplish these goals within the first half of the year, the rest of the year will be smooth sailing.
Wednesday, December 17, 2008
Wednesday, December 03, 2008
Friday, November 28, 2008
Sunday, November 23, 2008
Saturday, November 15, 2008
Ditch the car. It will be sold to the buyer with the best offer.
This eliminates the car and insurance payments.
Break my lease and stay with a family member. This plan has been talked about with said family member, and I have 6 months rent FREE.
After 6 months and nothings happens, I would have to suck it up and move to Florida to be with mom and dad. (This plan is a last resort, I will be homeless with absolutely no income plan.)
Increase hours at the part-time gig. I would have more time to work extra hours.
Downgrade cellphone to the most basic plan AT&T has.
Place student loans in the back burner until a full time job is in hand.
All of the above will be done while pounding the pavement everyday looking for work.
Saturday, November 08, 2008
I am coming up with a layoff plan.
Anyone has a back up plan in case they are laid off?
Tuesday, November 04, 2008
I am still looking at 'fixed' expenses to see what else I can eliminate or lower.
Sunday, November 02, 2008
Friday, October 31, 2008
I went grocery shopping today. Hello food people, the prices are still sky high. A gallon of gas in my area has gone down tremendously in the past few weeks. It is now $2.85 per gallon.
When does the price of food come down?
Sunday, October 26, 2008
Look at your favorite retailers (but don't spend your check as soon as you get it) and online sites such as hotjobs, and monster. Also, look in your local papers for ads for seasonal hiring.
Saturday, October 18, 2008
Monday, October 13, 2008
Friday, October 03, 2008
Friday, September 26, 2008
Thursday, September 18, 2008
Nada, nothing, zip, zero, zilch. I will continue to save and pay down debt just like I've been doing before.
Tuesday, September 09, 2008
Tuesday, August 26, 2008
Friday, August 22, 2008
Time to do my research on IRA's.
It may appear as if all my savings is tied up in CD's which the majority of it is. However, my savings account balance is hardly ever below 500 and I am never more than 8 days away from my next paycheck.
The balance owed on my car is less than 7,000. It would be nice to pay this off before years end. However, I will play it by ear and see what happens. This would mean putting almost $1,800 per month for the next 4 months or so. This seems to be a very lofty goal by my calculations. Never say never.
Uncle Sam and I have an understanding. This September am gonna pay that mofo what I owe him and after that he won't bother me no more. As for Spitzer, Pataki, Patterson or whoever is in Albany...I'll get to you when I get to you.
Saturday, August 16, 2008
Tuesday, August 12, 2008
Sunday, August 10, 2008
Wednesday, August 06, 2008
Tuesday, August 05, 2008
Monday, August 04, 2008
This chick Brandy is tacky, cheap, rude and broke.
She walks into a pay day loan place to get a loan without any paperwork. Because the clerk denies her the loan, chick goes crazy about being discriminated against. Huh!!!
Her credit cards are maxed out and she has no money in the bank. However, she is still spending money on her wedding as if it grows on trees. I would love to see a follow up episode in a year.
Where do they get these brides from?? They get worse with each episode.
Thursday, July 31, 2008
I will not touch, I will not touch, I will not touch, I will not touch.
$600 is currently in a CD until January.
I will be opening another CD in about two weeks. This will be after next paycheck and it will put my savings to over $1,700 (including the CD). I will transfer at least $700 for my next CD.
Tuesday, July 29, 2008
Saturday, July 26, 2008
To all the NYC Transit performers:
It is 11:30 pm and I just getting off a 12 hour day. I don't care why or what you are performing. Shit as long as you don't kick me with all the jumping and flipping you are doing. However, am too tired to clap, and to broke to give you any cash. As a matter of fact I do not carry cash. I did not ask you to perform any dance so no I don't feel like clapping.
The fare might be going up next year. You paid for one seat so that means you are entitled to ONE SEAT ONLY...take your freakin bag off the damn seat.
To the person that stole my transit check, even though you found it in the building and my name was on it, happy swiping. You could have just dropped in my box or under my door, ding ding, look at the intercom system the names are right there. Hope you were satisfied with the few hours you got cuz it is now inactive. Take your thieving azz to the station and buy your own.
Tuesday, July 22, 2008
To overcome my psychological issue when it comes to savings I have stared putting the emergency fund into 6 month CDs. Once it grows by a few hundred dollars I open another CD. This may seem impractical, maybe even crazy to some people. I can hear the questions now, why not just leave all the money in a regular savings account? Well, because I will find bills or something else to spend the money on. If I know it is sitting in a CD I will not touch. Am not a psychologist so please do not ask me to explain. Saving for retirement is easy, it is saving for emergencies and short term issues that is my downfall.
The CD solution is the only thing I could come up with.
Am open to suggestions.
2. Free money orders for those organizations that don't accept online payments.
3. Branches within walking distance to my job and home.
4. The customer service is great.
6. The hours are very convenient.
Wednesday, July 16, 2008
I am no longer living check to check, waiting for the next check to come in and having it spent before it came in. Breathing easier now.
My back taxes are paid off.
Today I sat down and looked at my yearly income going back 5 years. Oh how far I have come. Next year promises to be better and brighter.
Is it so hard to give up your seat dude? Do you not see that she is wayyyyyyy pregnant? Arggggggghhhhh get your arzzzzzz up. sheesshhhh.
My savings bar will be updated soon to show that I am past the $1,000 mark. Can't wait to get there.
Saturday, July 05, 2008
Thursday, June 26, 2008
Did I also mention these girls all make below $45,000? Am not judging (hell who am I fooling, I am) but why complain about being broke, but have a new purse next week. Then complain that you are not getting paid enough. Well, you are not a wise keeper of what you are getting paid now anyway.
It would be so easy to fall into this temptation and mess. However, I am going to stand on the sidelines and look at my big financial picture. It will keep me focussed.
Saturday, June 21, 2008
Has anyone else seen the ad? Please tell me that my eyes are deceiving me, after all I was not wearing my glasses. I am afraid to even go to the website and see for myself.
Is that APR even legal?
Thursday, June 12, 2008
That is the million dollar question I keep getting asked. It is to the point now where the question is annoying. Why would someone work a second job? Duh!!! to make more money..now let it rest people. These are the same people in my circle who complain about lack of funds. Go figure!!
Saturday, May 31, 2008
Tuesday, May 27, 2008
Friday, May 16, 2008
Wednesday, May 14, 2008
Friday, May 02, 2008
My goal is to resign from the part-time gig by the end of the year. That decision depends on a few factors. However, the longest I plan on doing it is next summer.
I am in the process of updating my wardrobe. The best part of all is paying in cash.
Thursday, April 17, 2008
Tuesday, April 08, 2008
Sunday, March 30, 2008
Wednesday, March 12, 2008
Am so excited with this new goal.
Tuesday, March 11, 2008
Tuesday, March 04, 2008
Just follow the lead of the MTA.
The cost of the subway fare went up this past Sunday. I still have not been able to get a seat in the mornings, and must be squished in the evenings. Oh and my train goes 5 milers per hour.
Friday, February 22, 2008
I am me. I may not be the most stylish or flashy. So, your flashy-brand-name-wearing-no-pot-to-piss-in-behind need to just get over it.
Stop complaining. Get a solution.
I have decided that my ultimate goal is to pay my car off this year. Had a lightbulb moment and realize this would be quite an accomplishment.
The price of gas no longer gives me the hives. Public transit all the way. Now if only I can get the people who take NY subway to be a better judge of size. Your size 12 behind cannot fit in the seat a size 2 just deserted.
Taking care of my own hair is not as bad as I thought. Plus it is a whole lot cheaper.
Sunday, February 17, 2008
Musician Kenny G majored in accounting in college. He also asks the right accounting questions before decided to go on a tour. He was one of the initial investors in Starbucks.
Suzie Orman says we should not buy more than we need, which is why she only has one pair of earrings.
One million dollars in hundreds is about a nice 22 lb package.
Paper money is not paper, but cotton and linen.
Bill Gates and Warren Buffet plays bridge. I wonder if playing bridge will make me rich.
OH and some fool, sorry I mean entrepreneur is selling plots of land on the moon. Is that an oxymoron?? Plots of land on the moon?? Da hell!! I wonder if I can get a mortgage to finance that. The deed is called a Lunar Deed. There are people out there who are buying it. $19.99 and a part of the moon can be yours. LMAOOOOOOO
Friday, February 15, 2008
Well, credit card companies TBB is not playing around. She is paying down the debt consolidation loan through payroll deductions. So go away and leave her alone.
Thursday, February 14, 2008
I missed the first few minutes of the show. However, that was the gist of what I got.
Bottom line: Ladies there is no knight in shining armour who will take care of you forever. Even if you are a stay at home mom, make sure you are in th loop where finances are concerned. Know where all the financial documents are, know how much money is coming in and going out. This information is crucial.
Additional information on the show is available at Oprah.com.
Sunday, February 10, 2008
Has the 'recession' being to touch anyone else?
I am actually looking forward to those $600 - $1,200 rebate checks. Hopefully, consumers will decide to spend a portion of it.
Tuesday, February 05, 2008
Tuesday, January 29, 2008
Am I the only one that feels like that?
Monday, January 21, 2008
A word to BEST BUY management, customers come first. If you did not have customers you would not be in business.
To management at the store at 622 Broadway in Manhattan, if you are not going to answer the phone, then the option to speak to a 'sales' associate should be taken off the menu. I guess you guys met your sales goal for today so you are not interested in answering the phone and speaking to additional customers.
Thursday, January 17, 2008
Tuesday, January 15, 2008
Friday, January 11, 2008
Thursday, January 10, 2008
Now my credit card debt is consolidated, I use only one credit card. It has my netflix membership and tolls. I make sure to leave it at home so that I am not tempted to use it. I can't wait for those $0 balance statements to come in the mail.
I am still paying back taxes from last year. Oh the woes of being childless and propertyless (is that a word) in NYC.
Friday, January 04, 2008
1. Filled out the forms to contribute to my pension.
2. Consolidated credit card debt. (see December 28th post)
Things still to do:
1. Roll over 403B to Vanguard from previous job. (The package is sitting on the coffee table)
2. Build up emergency fund to $2,000.