Monday, December 2, 2013

Credit Karma Update

I know its been a long time and I have much to share, but my first semester of pharmacy school has been kicking my butt.  I'm excited to share this though...

When I started this blog my credit score was around 510.  I've come such a long way.

Saturday, April 27, 2013

Dreaming of Big Money....Is this a sign?



So I just woke up from the most amazing dream ever.  I dreamed that me and my close friend went to the casino and I won big.  I mean really big.  I went with only $30 and left with $800,000 just from playing blackjack.  Some type of way my friend was dealing, but she had no clue what she was doing.  It was kinda like how you play a video game against a guy and you are just pushing buttons and then all of a sudden you win.  (That's why guys don't like playing video games with girls)

In my dream, I surprisingly stuck with my plan.  I paid off my last 2 credit cards, paid off my car, purchased a home in the city where my school is (paid cash), and saved the rest.  I don't know why I didn't pay off school in the dream but thinking about it I would do that too.

I know I won't be balling like that this summer, but I do plan on cashing out my retirement accounts.  I know this is always the #1 think people tell you NOT to do, but doing so will help me stay afloat during school.  By taking out my retirement, I will be able to pay off my last two credit cards, pay rent for my current apartment (the remainder), survive the summer with my pay slashed in half, and pay for moving expenses.  After all that I may have just a little left over, but I won't be in the red from month to month once school starts.

Thursday, April 11, 2013

Payday checkup

It's not quite Friday yet, but payday is tomorrow so I figured I'll check in with my progress so far.  To be honest, the past two weeks have been such a bust.  I eat out entirely way too much!  My total of eating out/groceries (mostly eating out) is...well...way over my budget of $120.  It's more like $320 or more!  I can't access my bank's website now to tell you.  Since I spent so much and exceeded my food budget within 2-3 days of receiving my paycheck, I've tried to do better this week.  I still went out some, but much less than before and I have been eating at home more.  Because I've overspent on eating out, I have to allot some money for groceries with this paycheck.  That amount will be $60.  I think that is very doable especially since I've had nothing to drink but water lately.

Another plan of action is to disperse all funds immediately.  What I mean is if I say I'm going to put a certain amount in savings then I'll do it instead of letting it sit around in checking.  I figure if I move all my money around, I won't be able to access it on food or other excessive areas of spending.

I had a little setback but the key is not to let it get me down.  Just keep moving forward.

Thursday, April 4, 2013

100% Tuition Free (until August)

Well I said that I was going to do it and now it is done.  My tuition for both schools are now 100% paid for.  I hate I had to pay for classes I didn't take, but you live and learn.  I am so glad to have this monkey off my back.  Next debt hurdle to attack:  IRS.  Payments to them begin this month on the 20th.  I plan on rereading my paperwork to see if I can pay early.

Thursday, March 28, 2013

Credit Report and Resignation

Today I decided to check my free credit reports through www.annualcreditreport.com.  If you did not know, this is the ONLY website where you can get your credit report (minus score) 100% free with no strings attached.

I am proud to report that besides my bankruptcy, there is only 1 negative item on my report.  I've come a long way because this number used to be much higher.  The negative item is from my truck payment being late one month in 2011.  Those were rough times.

Also...my payment history (besides the truck) is 100% green.  This means that I am paying everything on time!  Yay me!  Green sure does look good!

I checked my score on Credit Karma and it was looking pretty good too at 692.  I am really proud of myself.  When I started this blog I never imagined that I would be close to 700.

On another note, I finally submitted my resignation letter today.  My last day working for the school district is coming in 38 days.

Wednesday, March 27, 2013

Going on a Cash Diet

Payday will be here this week and it marks the official beginning of my new budget.  I must admit, I have been going super crazy lately with eating out and shopping, so this is going to be really difficult.  I must try though, because I will never know if I can if I don't.

I plan on using my Dave Ramsey wallet again in order to use the envelope system.

I must be disciplined if I plan to be successful.

On another note, I have determined that my rent for school must be $500 or lower, preferably with utilities included and in walking distance to the school.