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Did some decluttering today, finally!

July 7th, 2008 at 05:22 am

I decided to start my decluttering process with my closet, so that was my project for today. I recently lost 37 lbs., so most of my clothes do not fit me anymore ... and I don't ever want them to fit me again, so I am giving them all to Goodwill! I now have 6 large trash bags full of clothes and shoes to donate, and my closet looks mahvelous!

I also found some old purses that I'm getting rid of, but first ... I had to go through them and make sure all the bits and pieces were cleaned out. In that process, I came up with $2.39 in change, woo-hoo! I'm going to add that to my challenge money.

Now that I've gotten started on the decluttering/purging, I think I can continue. I'm going to tackle another area next weekend.

One more note: the first three days of July were no-spenders!! Smile

Car repairs, and a bad habit crept back in!

April 28th, 2008 at 12:58 am

I haven't posted since the end of March, and now it's almost the end of April and time to tally up how much (or, more to the point, how little) I've paid down my credit cards! I still read the blogs here almost every day, but I just don't seem to have much to post on a daily basis.

The bad habit I refer to in the title of this entry is not writing down what I spend each day. I did great for the first 3.5 months of the year, but I looked at my expense notebook earlier and noticed it's been two weeks since I wrote anything down! Shame on me! I've had to do quite a bit of spending in that two weeks, too; mainly for clothes. I officially reached my goal weight today at my Weight Watchers weigh-in, and I have had to buy some new clothes for myself (still have more I need to buy also, but that will have to happen slowly). I also had to buy some new clothes for my 18-year-old son; not only did he need some shorts and T-shirts for summer, but he needed some khaki slacks and dress shirts for the national DECA competition he's participating in right now in Atlanta.

I've also had to shell out some cash (from my emergency fund) for repairs to my son's car, and am going to need to shell out a LOT more in the very near future to get the air conditioner in my car fixed. I'm putting that off as long as I can, but it's amazing I've gone almost 3 weeks without A/C at this time of year here in North Texas! We even got a cool front last night, so it's been quite pleasant driving my car today. It helps that I park in a large parking garage at work, so I don't have to get into a HOT car at the end of the day, and my drive home is only about 8 miles. In the morning it hasn't been an issue. I don't normally go out at lunch since I bring my lunch pretty much every day. But there's no way I'm going without A/C through the 100+ degree temps we get here quite regularly every summer! When the A/C first stopped working (it blows hot air) I hoped I just needed some freon, so I took it to the place I take it for oil changes. The mechanic there checked it out and told me he thought it was a computer issue and I'd need to take it to a GM dealership. (Sounds very expensive!) A week later I decided to drop it off at a garage across the street from my office; they get a lot of business from people that work where I do, so they told me they wouldn't charge me a diagnostic fee ... what did I have to lose? Well, the mechanic there told me I'd need a new evaporator core (I think?) and gave me an estimate of almost $1300 ... OUCH!! After they told me that, they took $100 off the estimate, so it's now ONLY $1200. Still more than I want to spend and pretty much wipes out my emergency fund!! Having gotten two different diagnoses of the problem doesn't bring me great comfort, either ... so now I'm looking to get a third opinion! I absolutely despise dealing with car issues.

The deal with my son's car is even more frustrating. My ex-husband and I are going to be taking the mechanics that worked on my son's car to small claims court in the very near future. I have to get all the paperwork done and filed, since the car is in my name (my old car), and then we'll get a court date. Hopefully we (me, my son, and my ex) will get some of the thousands of dollars we've poured into that car back!

The good news is that I've gotten a $10 gift card from MyPoints, so I put $10 into my challenge for that. I also got a $10 award check from Opinion Outpost, which went into the challenge. There have also been some grocery savings I added, so my total to date is $172.07. I need to update the amounts in my sidebar now! Smile

Slow Going

March 31st, 2008 at 05:53 am

I haven't posted much lately, but I am here reading pretty much every day! I am still taking my lunches to work, and still writing down everything I spend money on daily.

Like a lot of others here, I'm looking back at the past month's spending and seeing how I did. I'm happy to report 7 no-spend days in March! I'm encouraged when I look at my savings totals slowly going up, and when I look at the balance in my newly-established Vanguard account after only two pay periods of contributing. But the debt is going down SO slowly! I got popped with some overlimit fees last month that showed up on this month's statements, and that really discouraged me. I've made several very large payments on my cards this year, and it doesn't seem like it when you look at what I still owe ... because the interest just keeps building and it seems like I am taking 10 steps forward and 9 steps backward. It's going to be a long trek at this pace!! But I know slow and steady progress will get me where I want to be.

I know that as I get a couple of the smaller cards paid off and start putting those monthly amounts towards other cards, I will be able to see more of a difference. It's just discouraging right now. At least the weight loss is going well ... only a little over 4 lbs. to go until I reach my goal, woo-hoo!!