My Emergency Fund has now officially met goal!!! It’s total is $1144.62. This makes me very very happy. Now I’m going to start working on my Freedom Account. So far it has a total of $75.97. It should be over $100 before the end of the week. I have some money to move around. More good news, is that my only credit card balance is now $1130.00. That’s not as low as I want it to be, but it’s good. I’m sure my tax refund will be enough to cover this amount in full, but I plan to have it decreased by then. I need to get it all paid off before March 2009 or else I’ll end up paying a bunch of extra interest. And now for my final bit of good news, well maybe it’s not really good news, but one less thing I have to spend money on… My gym membership contract is up. The gym staff called me to ask me to renew my contract, but I was working. I’ve been planning to let it run out & not renew it, but I wasn’t sure if my mom was going to let her’s run out as well. After talking to her last night, we’ve decided not to renew, at least not until the spring. So there’s another $89/month that I won’t have to spend! But that also means that I really need to start working out at home. I’ve been so lazy lately. Some of it has been due to all the craziness at work, but most of it is just plain laziness. We have a perfectly good treadmill in the basement that I can start walking/running on now that it’s getting cold. I just have to find the motivation to do it.
Posts tagged Memberships
Finding Ways To Save
I was reading an article from earlier this week, Stashing Your Cash on Yahoo Finance. The article’s author, Brett Arends, makes a good point in my opinion. I may not be as frightened by the market as he is, but I do think it’s important to stop wasting money & start stashing some away. Today, I took the time to cancel a few things that I absolutely didn’t need to be spending money one. One them being Ringback Tones. Who cares if my phone plays music when someone calls me or if it just rings? I don’t call my own phone so it’s not like I get some kind of enjoyment out of it. That’s $0.99 a month I’m wasting. Although that may not seem like much, it definitely can add up. Another thing I’ve decided to get rid of is the data package on my cell phone. Do I really need to spend $35.99 a month so I can check my email from my phone? Not really. That’s why I pay for internet at home. So I’ll be cancelling that as well. Another item I’ve gotten rid of is a credit score tracker. I was spending $7.99 a month for someone else to keep track of my credit score. I don’t need to do that. I can receive a free credit report from each of the three credit buearus once a year for free. Add just those three things up & I spent $44.97 a month on things I really don’t need. How crazy! That’s money I could be putting towards my debt or saving in my emergency fund. Next month, since my membership should be up for the year, I plan on cancelling my gym membership. I don’t use it nearly as often as I should. Plus when the weather starts to get bad, I won’t want to risk my life trying to get to the gym. That’s another $85.00 a month for me, my mom & sister. All in all, that’s almost $140 I waste on things that aren’t important! Holy cow!! I really need to get my prorities straightened out & quit spending.
