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Archive for June, 2011

Just wanted to say

June 29th, 2011 at 05:15 am

That next month I am kicking that little doctor bill in the behind, because it is just knawing at me. And, then I am gonna kick the Goodyear in the behind, cause it should have been something I should have been able to pay cash for, so I want it gone.

I know I should be concentrating on the Discover, but I am having a hard time focusing on the Discover when those two small debts are in my way.

Just saying.

I need to kick this Debt in the behind.

June 17th, 2011 at 06:34 am

I really need to figure out a way to kick my debt payoff into gear. It just seems to be taking such a long time. My payoff says 35 months at this point.

I am planning on putting my income tax refund in March 2012 towards debt, which should be around $1200/$1500, which will help a lot. I think if I can get that Discover card out of the way, the snowball would really be rolling.

I was earmarking all of my summer job income to pay cash for a vehicle for myself sometime in the fall. But, if it is still working out with my daughter and using her car, maybe I will put some of that money on my debt. I will have to revisit this idea in September. Maybe I can find a really good used vehicle and pay down some debt, all at the same time.

I also think I should absolutely go through every bit of my house, just to see if I can come up with enough items for a yard sale. A fall yard sale would be nice. Even if I didn't use it for debt, I could put the money from the sale towards Christmas.

Well, any positive ideas are always appreciated.

Beach Job

June 8th, 2011 at 04:54 am

Getting my first direct deposit from my seasonal beach job on Friday. The amount $340.88, after taxes. It gets directly deposited into a savings account.

I am saving all of my summer job money to use to buy me a vehicle in September/October.

Toys on the Lake

June 6th, 2011 at 04:32 am

As my husband and I were paddling our "given to us" paddle boat around our lake yesterday, we got to get an up close and personal look at the new fun stuff everyone has acquired for the new summer season.

A couple homes that were "for sale" have been bought up and families have moved in. Lots of the lake homes had new patio items and umbrella's on decks, new sand in their beaching areas, new loungers and floating toys in their swimming areas, but what really caught my attention was all the new boats on the Lake.

Now, I manage the beach and boating club which is one of the only accesses to the Lake, so I got to see most of the new ones coming in, but I guess I didn't pay as much attention until I was floating around the Lake yesterday.

I found myself a little on the jealous side telling my husband that I would like new patio furniture, that motorhome, that speed boat, pontoon, hottub, jetski, that's a nice car, etc.

Holy Cow, here I was in our very used paddle boat, that my husband has added drink holders and other ammenities to it, to which I now call the "paddelac" wanting more and not thinking about the debt consequences that most of those people, with all the new fun toys, were probably in.

I am glad I woke up this morning and realized it, but I am still on a quest to buy myself a used, new to me vehicle in September, have a used boat with a motor possibly next year, a hot tub and a motorhome somewhere down the line (if gas prices stabelize). I need to make a plan, putting dollars next to them, and saving towards those future items.

But, what a fun time we had yesterday on the Lake and got a great tan to boot.

The Bill Game - I will keep on paying

June 2nd, 2011 at 05:27 am

I started this game with my bills, where I would add a little extra to each bill, each month, in order to get a month ahead.

Well, it worked, and this month, I got two bills in the mail that say "Credit of: xxx amount of dollars, Do Not Pay" and I thought, why not. This sets me up for the fall/winter time when my husband is not working as much and our income is significantly lower. It would be better to be working off a credit going into those months, instead of struggling to make the payment.

I am going to keep on paying and keeping track of my credits. It would be great if I got all of my bills to that point come December, January and February and got "Do Not Pay" on all of them.

It was a fun experiment and it proved to work showing me this month that I am ahead of the bill paying game on two expenses.