Archive for Car Fund

Site Update

My site was brought down temporarily for a few links that were displayed. I guess the WordPress Gods don’t like certain types of content. I have rectified the situation and removed the content. Hopefully, everything will be fine now. I’ve also updated my side bar with new “My Savings” and “My Debt” information. My Emergency fund had a set-back sometime ago and I’ve just now managed to get it back over my original $1,000 goal. I’ve also started a Car Insurance/Maintenance fund so I can pay my car insurance all at once, which should give me a small discount, rather than paying it monthly. I also plan to first use my cash back credit card to pay for the insurance, and then pay the card off right away so I can get the rewards.

My debt climbed up higher than it was. Mostly due to the fact that my dogs all needed their updated shots and Heartguard and flea/tick medicine. That stuff is very expensive. I think from now on I will get the medicines over the internet through 1-800-PetMeds or another site like it.

It’s been raining here the last few days. I like rain, but can only stand so much of it. Hopefully this weekend will end up drying out. No big plans for now. Father’s Day is on Sunday. I haven’t gotten my dad anything yet. I’m a bad planner when it comes to Father’s Day. My dad always says he doesn’t want or need anything. But no worries, I will come up with something. I hope all of you have a great weekend. If you’re a dad, Happy Father’s Day in advance!!

TGIF!!!

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Savings Accounts

I have 3 main savings accounts. They are my Emergency fund, Car Maintenance fund, and Long-Term savings.

Here is the interest I’ve accured for each; Month-To-Date:

Emergency – $1.24

Car Maintenance – $0.08

Long-Term – $1.73

My long-term account is actually a 6-month CD right now. I took $100 from my emergency fund Since I don’t plan on using that money (hopefully) any time soon. Plus, with working over time, I had a little more wiggle room with my finances this paycheck. Hopefully, more over time will be offered occasionally. I say, occasionally because after working 14 hours of over time last week, I thought I’d lost my mind. From now on I plan to keep my over time at 10 hours or less. The stress isn’t always worth the money.

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Savings Goals

There is the current situation on my savings accounts:

Emergency Fund – Goal = $1000.00 / Current = $796.28

Car Maintenance Fund – Goal $500.00 / Current = $100.59

Regular Savings – Current = $35.65

I don’t keep much in my regular savings & the reason for that is because the interest rate is not very good. Plus I’m still trying to get my Emergency & Car Funds fully funded first. Then I would like to start an Emergency Pet Fund for any unexpected things that might happen to my dogs. Also I would like to start a Vacation Fund so that one day maybe I’ll actually be able to afford to go on a real vacation. It would be nice.

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Savings

I have a few small savings accounts. They all serve different purposes. I actually need to set up another as a “Pet” fund for my dogs’ vet & other expenses. Here’s what I have so far:

Regular Savings: $85.42

Emergency Fund: $657.23

Car Funds (Insurance, Registration, & Maintenance): $184.09 – this one is soon to be $334.09 once I can transfer the $150 I set aside from my most recent paycheck

My car insurance is due at the end of this month, so I’ve been tightening other expenses in order to have enough to pay the amount in full. I like paying in full to get the discount, rather than paying extra for making partial payments. Also, then I only have to worry about it twice a year, rather than having to keep track of another bill each month. I currently have a set amount being direct deposited into my car fund. In order to avoid having this problem in the future. Actually, after doing some math, I need to increase that direct deposit.

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