Monday, November 14, 2011

Now I understand why everyone hates interest so much...

Previous Balance

$1,684.76
Payments and Credits
−$1,300.99

Purchases
+$592.39

Balance Transfers
+$0.00

Cash Advances
+$0.00

Fees Charged
+$0.00

Interest Charged
+$28.87

New Balance
=$1,005.03

Well readers (All three of you :) ) : I went on Discovers website this morning to pay off the added charges I made over the weekend. Gas: 42.15- I fill up my car with gas once every two weeks. :) and I went to Rite Aid for paper towels and soap-12.09. S was making pasta and he declared that he needed paper towels for the aftermath. lol. He was right.

Anyway, back to today-I decided that as soon as I make any new purchases I will pay them off right away. Today, however, happened to be the end of a billing cycle. My lovely balance of 976 dollars became 1005.03 with the interest added on for the month. I made the snap decision to make a 250 dollar payment immediately even though it isn't due until December 8th. With this 250 payment minus the gas and Rite Aid purchase added in-I'll be down to the 800's. For the first time in my life I have such intense focus to pay this credit card off. I want my only debt to be student loans. Although I would gladly give those up as well. I'm hoping to be able to make another payment this month but it's going to be tight. I owe my fiance 400 for a plane ticket. However, I've decided to put aside 100 each week into savings so that it will be ready for him. As of right now..I have 100 set aside in savings for him.

Right now since I work for an employment agency I get paid every week. However, once I get hired officially this is going to change. I will have to rework/create a budget. I feel kind of guilty because my fiance and his BAH pays for most of our expenses. I really want to contribute a little more. I hope once this credit card is paid off I will be able to do that.
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Well I love reading details about everyone else's life so I'll tell you about my week in review-if you are interested and still want to read this.

Monday and Tuesday were pretty stressful because my boss was leaving for the week to go to Vegas to get married. No..it wasn't spontaneous lol. I came into work early every day and left late every day-I was averaging about 1o hour days.

Wednesday-I was the only one in my office that day. I got a lot of work accomplished and left the office at 4. I stopped off at a bank to drop off a payoff for a mortgage on a loan. Which means I was toting around a 130,000 check. Good thing they trust me! I got home, ready to relax, and enjoy some tv...turn the tv on...and...nothing. With a sinking feeling I check my internet connection...not available. Last Resort-check the phone-no dial tone. No cable, no internet, and no phone. I called Time Warner and they said they wouldn't be able to come out until 1-3pm the next day. Well there went my plans for the night. I spent the night pouting and reading my kindle. I also ate Ramen noodles that night because for some reason I was craving them for the first time since college. Weird. I had plenty of other appetizing food that wasn't chock full of sodium and absolutely devoid of nutritional value.

Thursday- I cleaned the apartment and did laundry from 9am until 2 pm. I also moped around the house since I didn't have tv. I did listen to my ipod though. Around 2 pm my hero dressed in a navy blue Time Warner shirt came to my door. Turns out they disconnected the wrong line when they were out disconnecting someone else's in my apartment complex. Le Sigh. On the plus side I was extremely productive that morning/afternoon. My apartment was spotless although that didn't last for too long. Sigh again. That night S and I went out for dinner at Carolina Ale House. I had a Stella Artois and their "famous" pub burger. It was extremely delicious as usual. Oops I almost forgot-I had the smothered fries-melted cheese and bacon-yum!

Friday-We were supposed to go out and work on decorating our apartment. Instead S went to work out in the gym and ended up pulling a muscle in his upper back. He ended up on bed rest for the day and I just read and watched tv for the most part.

We did have a discussion of sorts that night. It was more like me telling him that I can't always be the one to clean everything in the apartment. I mean I don't mind straightening up but when I clean and then an hour later the place looks messy again-it's irritating. I think what really annoyed me that morning was that he told me we were out of milk and peanut butter so I went to get some while he was nursing his injury. I came home and opened the fridge and saw a milk container. It was completely empty. He told me we were out of milk but he didn't think to I don't know..ummm...take the empty container out and throw it inside the trashcan that is next to the fridge? Sigh. He kept telling me that he will try harder. I told him that he always tells me that but then he continues to do things like that. I just get so tired of having to do everything. I mean yeah, I don't work 15 hour days like him but I still have long days at work. Oh well..everything ended up working out and in two months from now when he is deployed...I'm sure that I will be willing to give anything just to see him even if that meant empty milk containers in the fridge. I need to make the most of the time that we have left together before his fast approaching deployment-to a very dangerous area of a very dangerous region of a very dangerous country-that's all that I can say.

Saturday-We got a new picture for our wall, new sheets (yay), and a diploma frame for me. We need to figure out how we want to decorate before we can start buying more stuff for the apartment. I am a minimalist at heart when it comes to clutter. We had lunch at Jason's deli and made a frozen skillet meal for dinner. We relaxed and watched movies that night. I had two gin and tonics. In case you were interested...

Sunday-Church and then we had lunch in the downtown area. We do that a lot after church on Sundays but we also wanted to take photos of Fayetteville. We are planning on putting some black and white photos of the town around our apartment. We came home and I took a nap. For dinner we had pasta and his best friend came over. We watched some tv and then called it a night. I started and got halfway through a book called Gideon's Sword-written by two of my favorite authors Douglas Preston and Lincoln Child.

Alright-lunch is over-time to get back to work! How was your weekend? Are you planning on making any additional payments this month for anything? Let me know!

3 comments:

  1. Interest is no fun! I ahve never carried a balance on my credit cards, but my student loan keeps building up (it's a relatively small loan though).

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  2. This comment has been removed by the author.

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  3. Oh you are lucky. I remember my mom telling me to never keep a balance when I got my credit card. Of course I thought I knew everything and told her that it was GOOD to keep a balance...so that THEY knew that you can handle credit. Wow I was a naive college student. When it comes to my student loans I took out just enough to cover tuition, rent, and bills. However, four years of school even at a relatively cheap state school adds up quickly. I really regret not having enough confidence in myself to try for scholarships. I tried for a scholarship for my paralegal certificate and lo and behold I received a 1,000 scholarship. I guess it is true- you never know unless you try. Thanks for the comment!

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