Thank You

Thank You to the three very nice people who signed up for an ING Savings account through my referrals. You are awesome! I hope you enjoy banking with ING as much as I do.

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Redbox Code 4/13

Today’s redbox code is J89LA2. This code is good until midnight. Movie must be returned before 9pm the following night or you will be charged 1.00 + tax for another day.

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Happy Easter

I hope everyone who celebrates Easter has a happy one!

 

I lost track of my spending during March, so there won’t be a March spending report. I have started keeping track again for April. There’s been another type of cutback in my department at work. Any of the representatives in my area that work after 7pm get a pay differential. Nights are started to get slower, so in order to cut more costs, the company has decided to have less people working at night. So those who will no longer work at night, will no longer get the pay differential. It’s 10% – 15% of our base pay. Which equates to about $2,750 – $4,800 loss. I don’t think I can really afford it. We’ve already had a 2% paycut. I could end up lossing 12% – 17% of my pay. Yikes!! But at least I still have a job, for now.

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$300 Spent Before 11AM

It wasn’t even 11am and I had already spent $300. On what you ask? Groceries, electronics, clothes? No – the Vet. I spent $300 on a visit to the vet’s office. 2 of my dog’s (B and D), needed to be seen and it was time for them to get Heartguard pills and Frontline for flea treatment. D is so big now that he has to take 2 heart pills instead of one. Which means that I’m actually paying for 3 different “sizes” of pills. Why does D have to be an enormous dog? Seeing him as a puppy, I couldn’t have dreamed how big he would become. He weights 121 pounds!! That’s crazy. If he sprawls out on the bed, he takes up half of it! If he get any bigger, he’ll need his own darn bed! I love my dogs, but had I known what it all would cost, I don’t know if I would have had 2 big dogs and 1 little dog. Don’t get me wrong I love my doggies, more than my own life at times, but dang talk about expensive.

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I’m Back

Ok everyone, I’m back. I know it’s been forever since I’ve posted. I’ve had a few things going on lately. There were some bad days at work, a birthday celebration, St Patty’s day, and other things. My spending was completely out of control the last two weekends. For my friend’s birthday, I managed to spend $60. Then I spent another $60 this weekend. It’s crazy!! So now I need to get back on track with my spending. I cave to peer pressure. Ugh. I’m in the process of transfering one of my dad’s credit card balances over to my Bank of America credit card. Right now he has approx. a $2,500 balance. He’s charged 25.34%, which equals a $50 finance charge and his minimum payment is $75 a month. He’s not really getting anywhere by just making the minimum payment. So we’ll tranfer it to mine. I’m being offered a 1.99% interest rate on any balance transfer now until Dec 2009. Then the interest goes back to it’s normal 9.90%, but that’s still way better than what he’s currently paying. The tranfer fee will be approx. $76. Not terribly bad and I’ll still have an available credit limit of $3,250. So this transfer doesn’t quite take up half of my limit. He will continue to make the $75 payment though. So we can get rid of more of the principal balance.

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Update

Sorry I’ve been gone so long. I was sick for about a week and a half. Then the market started getting crazy again so we’ve been busy at work. I haven’t had a lot of time to post. Right now I’m really wishing I had the money to take a week off of work and fly to Vancouver, Canada. Why you may ask? Well the most gorgeous guy in the world, Robert Pattinson, is in Vancouver right now getting ready to shoot the sequel to Twilight called New Moon.  Oh how I wish I could just charge a trip on my credit card and just take off!!! But the responsible, frugal girl in me keeps reminding me that even if I did meet Robert Pattinson and had the time of my life, I’d still be stuck with a huge bill at the end of the month and not enough money to pay it off. Ah!! Why can’t I ever win? *insert extremely sad face here*

Oh well. Maybe I’ll get a chance to meet him somewhere else. Why can’t any good movies ever be filmed in the Midwest?

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February Spending

Here’s how I did for the month:

Auto Insurance – 389.00 (for 6 months)

Auto Loan – 306.12

Cell Phone – 132.43  (Family Plan w/my brother)

Debt – 692.00

Dining out – 54.68

Dogs – 39.69

Entertainment – 75.34

Fuel – 30.00

Grocery – 9.50

State Taxes – 61.00

Student Loans – 272.28

Utilities – 341.83

No Spend Days – 11, Total for the year = 15

No Drive Days – 3, Total for the year = 5

Brought Lunch to Work – 16 out of 16 days, Total for the year = 35 out of 35 days

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