I feel like I'm living a lie.

Well it has been almost 5 months since my husband has been gone. Time flies I suppose. Jointly our financial situation is fantastic. We have saved a TON of money for the wedding that we are having when he returns from deployment. On an individual level-it's another story. Some background-we have a joint account and all of the money that he makes goes into it. I basically have just been using it to pay all of the bills we get monthly and usually groceries as well, although I am horrible with actually going to the store-so I usually only go once a month or so and do a big stock up on groceries. I have a bank account with a different bank and right now I'm the only authorized user on it, although I would have no qualms with adding him onto it. My paychecks from work go in there. I use that money to pay my student loans, credit card bill, and any needs/ wants/ and going out with friends during the month. I have a hard time with spending my husband's money because 1) it is only benefiting me and 2) we are saving up for the wedding. Also, I have been footing the bill on a lot of expenses like care packages and items that my husband needs/wants over there. I also got put in charge of his FRG and we don't have a treasurer so guess who has been footing the bill on everything for the organization. I have probably already spent over 300-400 dollars on the group. Don't worry I'm keeping the receipts to hopefully get reimbursed. Anyway, long story short-I have racked up my credit card debt to a lot higher than what it was when my husband left. As our finances are still kind of separate he has never asked to see my credit card bill as I am the one that pays it. At one point last year I had it down to 700 dollars and then Christmas came, and then the care packages started, etc. etc. etc. But I'm not here to make excuses. I have almost 4,000.00 on my card but yet I was having trouble with stopping the spending. I do know that I have been shopping more (consignment or not) it is still shopping and it is still spending money that I could be putting towards paying off my credit card. So I decided to take the first step by taking my credit card out of my wallet. I am banning myself from using my card. Hopefully I will have the self control that it takes.

Hopefully this is a step in the right direction. I have to realize that as a military wife we can be told that our husband has to pick up and move at any moment. That means losing my job and having to look for another. Meanwhile the student loans would still need to be paid as well as my credit card. I don't know how I would be able to allow my husband to pay those bills for me. If anything I want to have more money in savings to be safe. My husband has 500 of debt to his name. I have over 50,000 with my student loans and my 4,000 in credit card debt. I need my ass kicked into getting into financial shape.

Saturday night and watching The Patriot

Sorry I've been away but my husband has been gone for a while now and I've been busy with work and some other things. I'm also maintaining a second blog which ideally is only meant for me and my husband. It's just me giving him daily updates of what I've been up to. I'm sure that random people would find it fascinating...not. I've been trying to make larger than minimum payments on my student loans, all while paying down my credit card, and trying to save for the wedding. However, almost all of the money that we are saving will be coming from my husband's pay. My pay mainly goes to student loans and my credit card. How thrilling!

Well  that's it for now. I won't promise to update tomorrow but I'll try.

And some days you forget to put cream in your coffee...

Literally. This week has been stressful and emotionally exhausting. I think in the past five days my husband and I have spent one hour a day together while we were awake. There have been some issues with my husband's unit and it's been causing him to come home as late as 11 o'clock at night. And added to the fact that he is leaving in the next week from now (more or less) it hasn't been good. My husband is leaving before everyone else in his unit so the other people have more time. On Thursday the commander sent out an email saying that they were going to require everyone in the unit to come in on Saturday morning. I was of course sad to read that but that was barely any reaction compared to what others had. Yes, hell hath no fury like a woman scorned, but hell definitely hath no fury like an army wife. Apparently right after that message was sent half of the wives called/emailed the place where you make complaints. (I'm still new to the ins and outs of the army). It looks like Saturday morning training will be cancelled. :p I guess that I am just glad that this week is almost over. I'm well aware of army life, but the thing is-most units aren't run like my husband's. My friend's husband is home everyday before 5 o'clock. Granted, he isn't second in command like my husband, but there should be no reason to be pulling 17 hour days...it's a little extreme if you ask me.

Anyway, this is our last weekend together so I hope that we are able to relax and enjoy some MUCH needed quality time together. I get paid today but I didn't work two full 40 hour weeks so it will be a little less. However, when I get out of work at 2 (Fridays we leave early) I will go to the bank that is conveniently down the road, and deposit it. I'm planning on getting a much needed haircut today (haven't had one since...June? I think..oops! I also need to pick up stamps and figure out dinner for tonight. Any ideas? Keep in mind hubby won't be home until probably nine at the earliest.

What's everyone else's weekend plans? Anything fun? Exciting? Or just cleaning/laundry/organizing? I'd love to know!

Finishing One Chapter and Beginning the next and tying up some loose ends in the process...

I don't know if any of you have heard of Northern Illinois University. It is my Alma mater. On February 14, 2008 we went through a tragedy that shook me to my core. I was on the campus when it happened. The building where the tragedy took place was renovated and opened today for the first time in four years. I feel strangely at peace and I feel like I can finally close up that awful chapter in my life.

My husband deploys very very soon. I can't say when for two reasons 1: He or I aren't even sure about the definite day yet 2. OPSEC- Operational Security-If you can see what I am writing so can anyone else on the internet. It's really important to not jeopardize or put troops in any kind of danger. Anyway, I feel like all of our loose ends have been tied and now we are just watching the clock tick by faster and faster. The will is done. The power of attorney is done. Enrolling into DEERS and TRICARE is done. I've been added to my husband's bank account. There is nothing left to do.

I just need my husband to come home from work already so that we can spend the little time that we have left together...but that's the army for you. :O)

In terms of finances I spent 31.66 dollars at the grocery store today and 300 for a student loan payment.

So spending for this week:

Sunday: 3 dollars for entrance to comedy club- 7 dollar coupon!
Monday: No Spend!
Tuesday: 300 direct loans
                31.66 Food lion

Hurry up hubby-there is a frozen buffalo chicken pizza and a caesar salad with fresh parmesan with your name on it!

Where I currently Stand...last time the numbers looked so much better.

The Numbers below are my own personal finances and not those of my husband. We haven't combined finances yet.


ASSETS (Money)
Bank 1: Checking-728.42
Bank 1: Savings:-415.01
Total: 1143.41
---------------------------------------------------------------------------------------------------
Bank 2: Checking 1: 92.99
Bank 2: Checking 2: 151.86
Bank 2: Savings:$70
Total: 314.85
--------------------------------------------------------------------------------------------------
Paypal (Hey everything counts right?): 50
Total: 50
--------------------------------------------------------------------------------------------------
Check not cashed yet: 329.86
Cash-$30
Total: 359.86
-----------------------------------------------------------------------------------------------
Total Assets: 1868.12

LIABILITIES

Credit Card 1: $2,113.22

Sallie Mae:  $27,799.98

Direct Loans: $23,133.20   

Total:  53,046.40

Gulp.

I almost started crying at the local Food Lion

I seem to always struggle with making this blog more personal and to include more about my day to day life. So I thought that I'd tell you a little about my day yesterday. Work went well and I got some things accomplished. It has been a slow start to the month though since a lot of people aren't looking to buy houses right after Christmas. However, we have been starting to see some more business coming in today..which is great.

Anyway, after work I stopped at the grocery store to basically pick up some snacks. I felt like we didn't really have much to snack on at the apartment. Basically I just bought a ton of junk food, with the exception of a cucumber-I know...really healthy right? At one point I was kind of tossing food into the cart because let's face I was hungry and we all know that it is a bad idea to shop on an empy stomach-case in point. Well the main thing when I go shopping is always will S like this or should I get something that he would prefer more. I guess you could say that I am a selfless grocery shopper. :p S LOVES peanut butter...it's probably not a healthy addiction but it makes him happy. I am usually very happy to buy anything peanut butter related that I can find, cookies, candy, icecream, etc. I was putting chocolate chip peanut butter cookies in the cart...and it hit me. For the next nine months I won't be putting anything peanut butter related into my cart. I also won't be buying food for two people. I'm going to be all by myself. I seriously had to tell myself to pull it together before I became a sobbing mess at the Food Lion. Sigh. I got through the check out without letting any tears slip by though.

Anyway...the rest of the night went well. S came home around 7:15 practically early for him. We stayed in and ordered some pizza...can you tell that we are all about the healthy eating in our household? We went to bed at 11 and I woke up at 4 in the morning to unload and load the dishwasher...but that's another story for another day. :)

Notice anything different?

Let's organize this blog post by categories of my choosing...shall we?

------------------------------------------------------------------------------------------------------------

                                                       Aesthetics

------------------------------------------------------------------------------------------------------------

I decided to hop on the personal finance bandwagon and change my blog around. I'm talking big changes folks ya'll should be impressed. Sorry, my short stay in Chicago couldn't erase the Southernisms that I have been acquiring since moving to North Carolina. Anyway, the big changes are the color- from red to teal and something else...did you notice? I changed the type of font for the title of my blog....big changes. 

Ok...more like baby steps...but hey...it's a start. Right? Well, I'm just going to pretend that you agree with me. I changed the color from red to teal for two reasons. 1. It is much easier on the eyes. I'm serious I feel so much more relaxed when I look at the blog. 2. This blog will no longer make you hungry. You are welcome. Research shows (unproven and probably not legitimate research) that the color red stimulates hunger and the color blue makes you not hungry. I blame my mom for painting her kitchen red...although it also could have been that I'd watch tv in the kitchen and just make snacks since they were at hand's reach...but that's beside the fact. Anyway, what I mean to say is...you are welcome. Ok...next category let's press on. (I feel like a British tour guide)

-----------------------------------------------------------------------------------------------------

                              Work

----------------------------------------------------------------------------------------------------

My contract with the employment agency ended January 31, 2011. I have now been officially hired with the law firm that I have been at since September of this year! I got an increase in pay as well-2 dollars more an hour! I'm pretty happy. I know that I probably could have negotiated for more but that is the amount my boss threw out so I accepted it. Also, with the new loan processor working at the firm I'm doing a lot less work...which I don't know if that is a good thing or a bad thing. It's nice to have some stress taken off of me, but in the same way I feel like I'm losing my skills as a paralegal. Maybe I can take some CLE classes? We'll see. 

-----------------------------------------------------------------------------------------------------------

Social Life

-----------------------------------------------------------------------------------------------------------

Pretty much nonexistent except for when I go out with the LT (hubby) and the other LT's and their wives. I've only made a couple of friends since moving down here but hopefully I'll still make some more. There is one girl that I really like so maybe I can start to hang out with her a little more?

---------------------------------------------------------------------------------------------------------------

Personal Life

---------------------------------------------------------------------------------------------------------------

S deploys in 17 days for at least nine months...umm..yeah not looking forward to that too much but it is what it is. I've just been trying to spend time with him and keep things as normal as possible.

-------------------------------------------------------------------------------------------------------------

Finances

-----------------------------------------------------------------------------------------------------------

Christmas was brutal in terms of spending. I am going to try the Eboo's method of saving a dollar a week and then subsequently that amount to the previous weeks. Maybe I wouldn't have been charging everything onto a credit card if I had planned better. I also need to save money to send care packages when S is gone. Ok...I might update this post later with more information but I'm going to take a break from typing for now.

I am writing this on my new iPhone from Verizon. First of all I can't even begin to tell you how much I love this phone compared to my Blackberry from sprint. There is absolutely no comparison. Christmas went well and it is so nice to be home just wish they hadnt lost Our luggage.

Finances and Birthdays and a Cup of Christmas Tea

Last night S and I sat down and discussed finances. First, we pulled up his USAA account and looked at Spending for the month of December so far. It was pretty ugly. I took all of the debit transactions he made and categorized it by Monthly Bills, Gas for his truck, Money that we spent as a couple (mainly weekends and groceries), and then the spending that he does on a daily basis on post. As a couple we spent over 500 dollars this month on groceries and going out. We went out a lot more this month than we usually do. I think that since deployment is coming up extremely fast, all of the husbands are trying to get their wives to get to know one another so that we have some kind of support system or budding friendships in place while they are gone. We also spent close to 800 dollars for plane tickets home for Christmas. We spent 800 last month for Thanksgiving to fly home as well.  It's weird to say "we spent" I'm trying to get over the fact that it's technically "our" money now, but it's a work in progress at least. 

Not all hope is lost however, we have been putting in over 1,000 a month into savings. 
I also discovered that we will be saving over 200 a month just on not buying gas for the truck. The jetta that I drive (his car as well) only requires 40-42 dollars every two weeks to completely fill up the tank! We obviously won't be spending money going out to dinner together. However, even if I do go out to dinner with the girls it will be buying one meal opposed to two. I also probably won't be buying any alcohol at meals since I'll be the one driving home. Also, I have a very low tolerance for alcohol-I get immediate headaches from any type of alcohol that I drink after the first few sips. The headache can last from 20-30 minutes at a time. Not very enjoyable. Anyway, I digress. We also figured out that on his very base pay of his O1 salary without including his recent promotion to O2 and without including the fact that I am now a dependent, or his deployment pay, if he pulled in the 3400 that he was a little over a month ago which is after taxes and his retirement fund, that we will be able to save 2,000 a month. Our goal is to pretend that he is still only making O1 pay-everything extra plus the 2000 a month will immediately going into our savings for our wedding and general savings. 

This sum does not include my paycheck. Right now with my pay from the employment agency I pull in about 1200 a month. However, 600 of that immediately goes towards student loan payments. I also have my credit card payment to make. My contract ends at the agency at the beginning of 2012. I will have to speak with my boss about how much I will be getting paid. When it comes to my credit card I feel like I am right back to where I started but I've already earmarked all of my Christmas spending in my savings account and I'm going to make a mass payment after Christmas and after we return from Chicago. I'm also considering a second job on the weekends. I would probably consider a book store or something. It's not so much for the money its more to keep myself occupied on  the weekends to make deployment go by faster for me. 
=================================
Alright, enough about finances for now. My second category...Birthdays..specifically one...today my mom turned 62! I was able to surprise her by shipping her chocolate covered strawberries from edible arrangements to her work! She said that she was having a pretty bad day at work (she works at my elementary school and its really hectic this close to Christmas vacation) and that the strawberries were just what she needed. I was happy that I could do something for my mom even when I was still in North Carolina. I hope my mom had a good day. The fact that I made her so happy kept a smile on my face for the remainder of the day at work.
====================================
A cup of Christmas Tea...and we come to the final topic for tonight. At work today we had to go to one of our client's apartments so that we could witness a Living Will for her. She is 95 and couldn't be sharper! She also is such a sweet lady. She sends cards to everyone in her church whether it be their birthday, christmas, or just a "thinking of you" card. She showed us her card collection. She literally had boxes and boxes of cards ready to be written in and sent to others. That seriously made me so happy for some reason. It was so nice to see good old fashioned caring about others for a change. Looking at her apartment so carefully decorated for Christmas made me think of my all time favorite Christmas story/poem- A cup of Christmas Tea. I even went back to work and ordered it with Barnes & Noble giftcards for my new mother-in-law. I thought it would be nice to share something with her that means a lot to me. If you haven't read a Cup of Christmas Tea...I highly recommend it. It really puts Christmas and its meaning into perspective. Its cute and short but has a powerful message. 


Ok...well that's it for tonight. It's midnight and this young wife (if you consider 23 young...) is tired and needs to wake up for work tomorrow. 
                                      

Wait...I've actually started shopping for everyone on my list and didn't wait until Christmas Eve?

I am proud to say that I have already purchased presents for my husband, my mom, my brother, and I got part of my dad's present taken care of. I just need to finish for my dad and buy my sister's present. It is such a great feeling to have almost everything shipped out to Illinois already. ( I love buying gifts online!) Da hubby has already bought gifts for his dad and one of his brothers. We are purchasing his mom's gift when we get back home. He just has to buy for his younger brother. I told him that he didn't have to order my gift yet ( a new laptop!), that he could just wait until after Christmas to order it. He might even get a better deal that way..who knows!

Oops..I still have to buy for people at work but I am planning on getting something small. I have one gift picked out for one of the people at work. I just need to figure out for my boss and our loan processor. It definitely won't be anything too big though.

My credit card is definitely feeling the pain from Christmas. However, I have earmarked the amount that I have spent for Christmas in my bank account already. Once my bill comes in I'm going to pay for all of my Christmas spending.

In other news, S has a Christmas party tomorrow so I will need to figure out if I need to bring anything to that. If I do I already have the recipe picked out I think! Alright, well time to get back to work. It's been a slow day for the first time in a while. However, I can think of some files that I need to work on. I hope everyone else's Christmas shopping has gone well so far.

After Christmas I will post what I got everyone in my family. :)

Trying to Turn Over a New Leaf: The Spending Edition with a little help from Gail Vaz-Oxlade

I went to the court house today during my lunchtime to get copies of our marriage certificate. That was easy enough. I found parking immediately, didn't have to wait it any line, and ten minutes and a check written out for thirty dollars later I had 3 copies of my certificate. I was on my way back from work and I was tempted to stop at Baldino's (sub place) for a turkey sub. Suddenly that banana and strawberry lemonade yogurt didn't seem so appealing to me. Here is a little bit of how the conversation with myself went.

Me: Well I'm already driving.  I always work through my lunch so I never have an opportunity to go out for lunch. I should take advantage of it.

Smarter Me: You said that you were just going to go to court and come back. Besides, your other coworker is waiting until you get back before she leaves to run an errand.

Me: Yes,but it won't take long. And besides...I've been reading that Gail Vaz-Oxlade book about getting out of debt. This can be my one last hurrah and then I'll start for real next week.

Smarter Me: Why don't you just start now. You have food at the office that you paid money for. Why are you going to let it go to waste? Why spend money on food when you DONT NEED IT. Why do you need a starting date to become all saving and not spending..don't go.


Needless to say...I didn't go. I went back and ate my banana and yogurt. And drank my coffee from home.
The second thing that I did to think about making a change with my debt situation.


I was driving home from work and trying to think of a cohesive dinner menu. It wasn't working. I thought about going to the store and having to spend more money. Then I thought well if we can't come up with something that we both want/or can agree on maybe we can just order a pizza, and it would take the stress off of me from trying to figure something out. INSTEAD-I texted the hubby and told him that he was on his own for dinner tonight. I ate leftover macaroni and lobster pasta that I had leftover from going out to dinner the other night. He isn't home yet but he said that he would throw something together. We have italian sausage, buffalo chicken wings, eggs, soup, pasta, things to make sandwiches...believe me he has stuff to make. I'm not starving him I promise. I'm just happy that I ate my leftover pasta-otherwise it would have been absolute waste of money. It wasn't a cheap meal.

Well back to my Gail Vaz Oxlade book. I'm loving it a lot. I'm aware of most of the material that in it already-but its a fun and easy read. I can't wait to utilize her free spreadsheets online!!!



It's almost the weekend so....Can you name one way that you saved money today? Or if you are adventurous...two  ways???

He didn't want to Open a Joint Account?

My husband and I were sitting in the living room this evening after he got home from work at 8pm as is his usual these days. I mentioned that we have to open a joint account still and he seemed hesitant. He claimed A) he didn't want too many accounts (since when is 2 a lot?) and that he was worried the army would mess up his pay if he switched his money to a new account. Instead, he wanted to do an autodeposit into my account for the bills. Umm....what?

One of the main things that they speak about with predeployment is to make sure that your wife has access to all of your accounts in case something comes up or whatever. I guess I was kind of angry and hurt that he doesn't want to open a joint account which is something that I think is very important to do. He doesn't have to worry about me draining his account or anything like that-for God's sake. He realized that I was angry and of course he says that we will open a joint account...which kind of makes me even angrier. I don't need him placating me-I need to know that we stand on the same page when it comes to finances. I don't want him to give in without discussing things just because I'm not happy about something.


I guess that we will need to be grownups and discuss it. Wish me luck.Now if only my laundry would finish so that I could go to bed. It's midnight and I'm absolutely exhausted.


Spending for Today

Appliance Warehouse-30.29- bill for washer and dryer
Christmas Present for my brother-60 dollars

So far S and I have bought a present for my brother and a present for one of his brother's. We still need to buy for my mom and dad, his mom and dad, his other brother, and my sister. I also need to shop for something small for the people from work. We are such a small office (4 people) that I would feel guilty not buying something for them.

I'm not going to lie...I feel tired and stressed out. Good night everyone.


And here is another question since I love them so much-When you first got married (if you are married) how soon after did you get a joint account or combine your finances? How did you feel about it? Happy? Or did you feel like you lost a little bit of freedom? And for the singles out there-Would you combine finances with a significant other or wait until marriage?

Countdown to Christmas....more like countdown to Deployment

I'm going to share a little secret-something that I haven't told anyone else. I think I'm suffering from a little bit of denial about my husband's deployment. Yes, I know that it is approaching and fast. Yes, he came home on Thursday night with his multicam uniform for Afghanistan. Yes, he started packing his stuff for Afghanistan. Yes-we started working on predeployment planning tonight. And yes now I know about his funeral plans. That was a slightly hard moment for me and it brought me straight to an image of Carrie Underwood's, "Just a Dream" music video. If you haven't seen it ever,or if you know someone in the military, it might just bring you to tears. http://www.youtube.com/watch?v=jLntFKtR66g

Anyway, I just kept thinking that it was so far away, and now its practically pounding on my door. When he went to training for a month I was fine for the most part. I think I might have cried just once the entire month that he was gone. I knew that he was still in the United States and everything that he was doing wasn't "real" per se. This, however, is the real deal and I can't pretend that it isn't. 

Am I scared? Am I worried? Hell yes. However, I'm trying to keep it together and I'm trying to take it one day at a time. I'm not the type of person to say poor me over and over again-it's just not my personality. Besides...if it's poor anyone it would be poor S-not poor me. I entered this relationship knowing that he would be deployed at some point in our lives. I knew what I was in for. I'm just going to have to take this one day at a time and make the most of the time that I have left before being apart from S for 9-12 months. One day at a time. I've been contemplating on getting a second job just to keep myself busy but we will see if I follow through on that or not. 


On a lighter note...we went to S's military ball last night. Apart from the stress of getting there ( hair appointment/makeup application ran an hour late) and we were literally racing to get there...the night went very well. The resort the ball at was absolutely gorgeous and we stayed at a really quaint hotel that was built in 1895. And the dress that I decided to wear again...also a success. I was sitting at my table completely by myself because hubby (hee hee) was outside talking to some of his men and other people were dancing on the dance floor. A colonel and his wife approached me at the table. She walked up to me and said, "I just wanted to tell you how beautiful I thought that you look. Your hair is gorgeous and your dress is beautiful. You look very elegant. Then she asked her husband, "Doesn't she look beautiful?" And the colonel said "Yes, she does." Not too shabby for a 1st Lieutenant's wife to be complimented by a colonel's wife. It definitely made me feel good about myself and it made my night! 


This morning we grabbed breakfast at IHOP when we came back from the hotel. Then we picked up a Christmas tree from Lowe's. We had a low key afternoon , did some predeployment planning, and then went over to our friend's house for pizza from Mellow Mushroom and watched National Lampoon's Christmas Vacation- All in all not a bad night. This past week I paid 290 for my student loans. I also spent some money for hair/makeup, gas, and some other necessities. I'll post my figures tomorrow. 


And how about you? Is there is something after Christmas that you want to avoid or are you ready to meet the New Year with open arms and champagne toasts?

Battling the WANTS and focusing on the practical

I WANT a new dress for my hubby's (hee hee) military ball. However, I have this beautiful dress sitting in my closet. I wore it last month in my friend's wedding. It's also the perfect amount of appropriate for the occassion (read-fancy).



It's tailored and fits like a glove. I also have the matching shoes and shawl.


So..you are probably scratching your head and asking...what's the problem. Umm... I don't want to be seen in the same dress again. We might be using the photos from his ball as our formal engagement pictures in the newspaper for his hometown...yeah...don't ask. lol Long story short-his parents want to make an announcement. I just don't like being seen in the same dress twice. I don't know if it makes me feel cheap or like I can't afford something else. I think I spend too much time worrying about what others think of me. However, I'm going to fight against it and just wear the dress that I spent over $300 on when you include shoes, shawl, dress, and alterations. I spent fifty dollars just to alter the dress. I ordered the smallest size and
I still  needed to take it in several inches.

I'm going to save my money by not buying a new dress and put it to another WANT of mine- Getting out of credit card debt. Let's be honest-if I bought a new dress I would have put it on my credit card instead of using my bank card, even though I have the funds to purchase it in my bank account.

What about everyone else? Is there something that you didn't buy when you really wanted to and instead used something you already had? Please share if you want!

Confession Time....

I married the love of my life yesterday. :) We had a courthouse wedding but we are having our actual church wedding with friends and family after S gets back from deployment. I'm a very happy wife today. :) We are keeping this pretty secret and so far only our parents know. So if you somehow know me or are facebook friends....please keep this on the very very down low. Thanks for respecting our wishes.

Credit Card Balance- 755.00!

Current Balance $755.00


Last Statement Balance $1,005.03

Minimum Payment Due 12/08 $ 0.00


I will make this card go to 0 if its the last thing I do this year!

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.
--------------------------------------------------------------------------------------------
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!

A case of the wants, gimmes, and I deserve it.

Note to self: When you are in the process of paying down debt you shouldn't look at clothes, boots, and shoes online. It just makes you want them more. It's kind of masochistic to tease yourself like that.

I need to learn to accept that I can't have immediate gratification. Maybe I should do something for the first time in my life and actually save. Save for Christmas. Save for a dress to my fiance's military ball. Save to buy new shoes for work.

I need to accept that what I have right now works fine. I don't need a new purse. I don't need this fall's latest trend...although those riding boots certainly do look cute on everyone that I see wearing them. unless my shoes are literally falling apart...I can wait.

It's time to be a grown up. It's time to realize that everything has a price. I need to figure out what that object's value is to me. Is half a week's worth of work worth those $160 riding boots from Aldo? Yeah...I'm starting to think they aren't.

If I stay focused I can pay off this credit card in under three months. In order to do that I need to budget for Christmas gifts and not put anything on my credit card. I know that I can do it...I just need to kick my own ass sometimes.

How about everyone else? Have you been budgeting for Christmas? If you do-how much do you put away every month?

Under 1,000!

Closing my eyes and taking a huge leap...or how I decided to action against my credit card debt.

I made a very large payment to my credit card today. The largest that I have ever made. It freaks me out a little. Ok...it freaks me out a lot. The payment consisted of most of the money that I have made since starting my job. I don't know if this was a smart or stupid thing to do. I just felt like it was impossible to get my balance down by just paying a hundred or two hundred dollars a month. It seems like every month I am right back to where I started.

My balance for my credit card is...$2,277.15
I paid...1,300.99

A LOT. And letting my calculator due the simple third grade math....
This brings me down to 976.16.

This will be the first time that it is under 1,000 ever. I did a balance transfer back in August 2010. My card has never been below 1,000.

This is my chance to break free. I just can't fall back into a trap. Christmas is fast approaching and my loans start repayment in December. I NEED to get this credit card paid off to free it up for loan payments. I just hope that I will be able to get there.

I took a huge leap today. I just hope it wasn't into a bottomless pit.