Hell is freezing over....plus some money stuff

Hell is freezing over... Because I am posting twice in one day!

lol... yes, I know-- I'm a dork

Anywho, I wanted to take the time to update my financial info on my right side bar.

Here's a quick run down:

Emergency Fund: is still in place, in a 'hands off' bank account. Bad news is I haven't contributed to it in some time, but I am earning a few bucks in interest.

Other Savings: account is  constantly up and down, but I try really hard to keep at least at $1000 and as things come up I try to save for them. Hence few hundred dollars over my $1000 minimum. They goal is to have a steady $2000, but I've had a hard time keeping that up. I'm hoping to bump in up after my big fat tax return check.

Fully Funded Emergency Fund: isn't in my plans to happen until I am debt free, well at least outside of student loans.

Our Wedding Fund: this poor account has seen no love.... well other than withdrawals. With J out of work the money we started saving for our wedding started to be used for necessities like incredibly high power bills and ridiculous traffic tickets.

On to the debt...

AMEX: I have no excuse for myself. Long story short, I ran this card back up. And as always, I have nothing to show for it... other than the bill. The plan to is knock this out when I get my tax refund and put the card in the freezer so I won't be tempted to swipe.

MBNA: Remember this is the 0% interest card that I used to transfer a big lump some from my personal loan.This card honestly should have bee paid off by now (had I not run the AMEX back up) But as the other, I will pay this one off with a lump sum I will get back from taxes. Just in time before the 0% deal ends.

Personal Loan: My next payment will bring me under $10,000! Yesssss!! I have just been paying the minimum on this as I try to attack the other two (unsuccessfully, but still in the works.) Once I get the other 2 knocked out I will work on stacking on the payments to get this one gone as well.

Overall, I am doing better than I was doing when I started this blog. I started out with about $25,000 in debt and my current balance now (outside of my student loan debt) is $16,492.04. Seems like that number should be lower, but I will take it.


By my birthday in 143 days, my goal is to be down to: $9,000. Which I think is completely realistic. The only reason I'm not being even more aggressive is because I want to save some money for an engagement ring. I'm going to have to start a new secret blog to talk about that. :-)


Not to get completely off subject, but it's funny. I was so angry at J last night and this morning. Like really angry. I didn't post the details, but I was angry to the point that I realized the honeymoon is definitely over (we have honeymoon moments, but the actual 'vacay' is so over.) But after talking to her this morning and sharing my anger, internal battles and issues and watching her listen and really SEE me, I realized what we have is irreplaceable and as angry as I was, us talking about made it go away.... and I still want to marry her, like really wanna marry her. lol.. Isn't that funny? Our relationship isn't perfect, in fact it has been pretty fucking hard from time to time, but we are both so invested, so vulnerable and so willing to communicate, that even in rage we can figure it out. Relationships take work and effort and honesty... I guess a part of me is a little afraid that this relationship will crash and burn just like the last one, but what I am learning is, I am a work in progress and I have to make a conscious effort to not loose myself and that part is just as important as communication with her and putting forth effort.


Ok... that's it. That's all I got. See you soon.


P.S. Feel free to click on the donate button on the top left of the page and show me a little bit of love... or a lotta bit, your call. :-) Thanks a million!

xoxo,

Bad Blogger

*sigh* How I missed you.

I’m a very bad bloggeres… it’s been over a month since my last post. Trust me, it’s not because I haven’t had things to say. I guess I’ve just been über busy.


I mentioned a few posts ago that I started another blog, a food blog, and as much as I want to share it here, I can’t because I kinda like the whole anonymous thing. However I will say, that I am the proud owner of my very first (dot)com… which I am super excited about. It still needs some work, but I’m really enjoying it and I see lots of opportunities coming from it.

So that’s that.

In other news...

I’m still fat. In fact, fatter than before, 219lbs to be exact. I don’t know what happened. Well, I do know what happened, I stopped paying attention to my diet and stopped working out. I rejoined LAfitness, but haven’t gotten a steady habit going yet. I’m working on it. I should probably start my weigh-ins ever Friday again, but I’m not going to make any promises yet.

Now, let’s talk about money. I’ve updated my financials in the column to the right. Money wise, things aren’t too bad. I’ve got a few big expenses coming up, but I’ve been saving, so that should be too big of a deal. I did run Credit Card #1 up a little again, but it’s not too bad and I will have that paid off (again) before the end of the year. What I am really looking forward too is J and I moving in together… that is going to free up sooooo much money, we’ll finally be able to really start saving for the wedding.

More on my love life… it’s great! As I mentioned, J and I are moving in together next month. I’m nervous and excited all at the same time. Nervous because this the first time I will really, truly be living with my partner and as much as I love her, she is messy and drops her shit in piles all over the place. I’m not the tidiest person in the world either, so I know we will make it work, I just want us both to feel comfortable in OUR space. I’m so excited too though, just to be able to share a space and it be ours to build together and not have to worry about where this or that is and if it’s at my apartment or hers (hate that!). Not to mention we will be cutting major costs. Between our 2 apartments we spend about $2100 on rent and utilities, which is ridiculous. Our budget for our new place is about $1200/month for rent $200month for utilities… that is freaking $700 saved a month. Unreal.

Anywho, the new home search it’s self is a big ol’ pain in the ass. We have to have looked at at least 20 different properties, ok I’m exaggerating, maybe more like 10, but it seems like so much more because we haven’t loved anything. Not to mention all the shit we have to shift through on the internet before we find something even worth looking at. We’ve got one place in mind, we’ve dubbed it the ‘heartbreak hotel’ because the community looks like an old porn set from the 70’s…. yep, you heard me. The inside of the condo is gorgeous, but the community… not so much. I’ll have to dedicate a whole post to the home search.

That is it for now. I promise it won’t be another month before I write again…. Talk to you guys soon. Have a great weekened!!



xoxo,

Master Cleanse 2, DAY 10!! Plus budgeting and being happy…

Its day 10, its day 10!!

Yaaaaay!!!

I had a dream last night that I cheated on day nine at some kind of appetizer buffet. Stuffed mushrooms, shrimp, crudités... Lol… guess it’s about time to eat again.

So, I just have to make through today (and tonight)… I’m going to a holiday gathering this evening with G, and there will be food and alcohol… and I’ll get to have lemonade and herbal tea… yummy. Ugh.

But tomorrow morning when I wake up…. ORANGE JUICE! Yum! Delicious fresh squeezed Orange Juice… I can taste it already, it’s gonna be the best juice of my life. Monday I’m gonna go ahead and go straight into raw fruits and veggies… which means SALAD! God, I can’t explain in words how excited I am about salad. *excited*

I plan on weighing myself tomorrow morning, so I will be posting that soon.

On another note… I finally got J to do a budget. Yay! We worked on it together and tailored it to fit her exactly… it’s working really well. She has this whole new found happiness about her… between the cleanse and all the things we worked on during these 10 days, it really has transformed us both. I swear having a budget relieves so much pressure and stress! I mean… yes, it’s difficult to stick to sometimes, but seeing that your money CAN actually work for you is a awesome feeling.

Needless to say seeing her happy and being happy myself really makes me feel good… on the inside and out. *smiling*

You guys have a wonderful weekend! I’ll be back soon with my skinny-mini new weight! (ok, maybe no skinny-mini, but definitely on the way!)

xoxo,
 

Updates….

Day two of the Master Cleanse.

Yes… I’m doing the Cleanse again.

I need it.

My last post was a rant about gaining weight and being out of control. Of course I recited my handy dandy 4 step plan back to health… but it doesn’t work if I don’t follow it.... so this is my way of taking some control back.

It’s like a little kid that draws all over their bedroom wall even though they get in trouble every time they get caught… finally Mom and Dad take the crayons away as punishment… hoping that the child will learn the lesson and stop drawing on the wall.

Apparently I like to draw a lot.

Anyways…. Master Cleanse isn’t really for weight loss (although that is an awesome perk), it resets my body so that I can learn to listen to it again.

J and I are doing it together… so it’s nice to have someone who feels your (hunger)pain. Nothing like another bonding experiance... <3

I weighted myself on Monday before we started the ease-in process… I weighed in at 212 pounds.

212 POUNDS!
I’m not going to bash myself about it, I’m just going to fix it.

So what happens after the cleanse?

THE GYM.

And

EATING LIKE A SENSABLE HEALTHY HUMAN BEING.

While we are cleansing… I also made a promise to workout 7 of the 10 days, not hardcore working out, just a 30 minute walk… but something to get my body used to moving again.

One thing about the Cleanse… is that you have a lot of free time (and space in your brain) because you aren’t consuming your self/thoughts with food. So in that time J and I both decided that we wanted to work on some things… some things individually and some things as a couple.

Things like, financial planning, affirmative prayer, being creative, career goals and exercise.

Speaking of financial planning, with the weight gain has come some stagnant financial progress…. So over the last few days, I spent some time moving money around and working on a plan to be wealthy and wise. Updates are posted to the right.

The biggest thing I did was transfer $7,100 of my loan debt to credit card #3….I debated for a while, but the 0% interest until March 2012 just sounded too good. Of course there was a 4% transfer fee, but that is still 5.7% less than the interest rate on my loan. (Which is about $400 saved).

I also wrote down a long term Financial Plan:

1. Save $2000 (emergency fund) by 12/30/2010. *just about there!*

2. Be (credit card)debt free by 6/15/2012.

3. Bring 401K up to 6-8%.

4. Save $10,000 by 4/1/2013 (wedding fund... Yes... I said wedding fund).
5. Save $10,000 to add to emergency fund by 4/1/2014.

6. Save $20,000-$40,000 for house down payment by 1/1/2015

7. Start baby fund after house is purchased.

The long term financial planning is a lot of fun. Especially since I have a big secret that I can’t share yet... big secret in terms of $$!

Well, that’s that… cleansing, loosing weight and building wealth. I’m wishing you guys a wonderful weekend. I’ll be back very soon!


xoxo,
 

Back on the wagon…

Financial diet update:
A lot has happened over the last week for me financially. First- I took out the loan for $20, 000 to pay off my credit cards… the percentage rate is still a little high (9.25%) but quite a bit lower than the interest on the credit cards.

This is kinda disturbing, but after taking out the loan, I still had about $2,900 outstanding balances on credit cards (the max amount for a personal loan was $20,000) - so I held my breath, closed my eyes and withdrew the $2,900 from my savings account to pay it off. The good news is, I now only (only??) have $20,000 in debt- and just the one loan (besides my student loans) to pay off. The bad news… my savings has shrunk considerably… but at least for a good reason, so I guess technically there is no bad news.

I have also (finally) removed the little plastic devils from my wallet- for real this time- and I have placed them in a safe place at home where I can’t make frivolous spur of the moment purchases.

I can’t remember the last time I have had zero balances on my credit cards…. Wait, maybe that is because I never have had zero balances on my credit cards.

Regardless, it feels good to know that I am making progress in the right direction. Now, I just have to stick with it. I want to be debt free- at least free of credit card debt by the time I am 30. I want to get married and buy a home and be able to afford to have kids and have a good life…. I don’t want to constantly be worried about what I owe to whom.

I’ve updated my finances in the column to the right. The Donate button is still up and running, so if you are able to, please donate whatever you can. .50 cents, $1.00, $5…. Whatever you can it would be greatly appreciated!

Weight-loss diet update:

Nada.

I’m getting fat again.

Holding steady at 183 and I haven’t been working out.

I’m trying desperately to get back on the wagon. But I have gotten sooooo lazy. My plan is to go to the gym every night this week and not to have any soda or junk food. Can you belive that? I started drinking soda again. *shaking my head at wasted empty calories*

I have to do something quick- J and I are heading to Vegas this weekend for her Cousins wedding and I need to be able to fit into my dress… it’s a little snug right now. :-/

I’ll let you know how it goes…

Wish me luck!

How did I get here????

Lol…. Seemed like a good title….

Updates:

I have earned a whopping $6 so far through my donate button. Thank you for getting the ball rolling!

I didn’t have much luck with selling my fat girl clothes- I had 3 huge trash bags full of clothes to sell to a second hand shop… and out of all the stuff I had they only bought 5 items, and get this… they only gave me 6 bucks for it!! I’m going to try one other second hand shop and whatever is left after that I will donate to a local woman’s shelter. (Epic Fail… at least the women at the shelter will be happy.)

My next project was to consolidate all of my debt with a lower interest rate.

SUCCESS!

Finally, I was able to get the ball rolling on something! I actually wound up taking out a $20,000 loan from my credit union at a 9.25% intrest rate to pay off all my random credit card debt. I went back and forth on weather or not that was the smartest thing to do, but in the long run having a lower interest rate and making one monthly payment going to make this process much easier and faster! So by Monday morning I will be free of credit card debt! Woooohoooooo! (Ok, I replaced it with a loan, but still- it’s nice to not have maxed out plastic in my wallet.)

One step at a time.

Next…. Remember all that weight I lost? I’m slowly gaining in back, I’m up to 182lbs, my lowest weight was 168. Time to get back on the wagon- I never reached my goal of 165lbs…. so I’m gonna try this again. It should only take me about 8 weeks or so- I’m a pro at this now ;-) (Literally laughing out loud- Oh really? Then why do you keep gaining it back??)

But that will have to wait until next week…

I am going a road trip with J… we are leaving tonight and coming back on Sunday.

It’s a TWELVE HOUR drive.

Ugh.

Not looking forward to the driving part. I’m excited about the trip though, I’m going to meet the family and we’re attending her cousin’s reverse reception (reception is before the wedding…. Plus, I love spending time with her, so being cooped up together in the car won’t be bad, especially since we got the final book of Twilight “Breaking Dawn” on CD to listen to in the car (yes, we are big ol’ dorks!)

So Bo voyage, until next week….. hope you all have a lovely weekend!

“I am in a financial cul-de-sac” –Carrie Bradshaw

Sooooo, after 1 year and 5 months, 104 posts, numerous comments, a blog award, lots of complaining, giggling, bragging, sadness and budgeting, I have finally decided to add a DONATE button to my blog.

Yep, I’m finally that desperate.

It can’t hurt right?

I need money, moolah, dinero, cash, cheddar, bread… whatever you wanna call it. If you can donate .50 cents or $100 dollars, I need it. My budget is getting tighter and tighter, but my debt doesn’t seem to be going down AT ALL.

I’m trying to be creative and find another way to produce some additional funds- I have got to get these credit cards paid off. I am truly just like Karyn in “SAVE KARYN” (which is an awesome book by the way- check out the link)…. $20,000+ in debt at 28 years old- I can’t really enjoy my life because I’m stressed about my money.

I refuse to live this way forever.

So why should you donate your hard earned money to me?

Well, you read my funny, witty, charming blog for entertainment (I hope) and let’s face it… I NEED HELP!

I get it, we could all use a little assistance, but if you are willing and able- I (and American Express and VISA) would greatly appreciate it.

In the meantime…. I am going to sell my fat girl clothes, apply for part-time work as a server (instant cash), start working on my book, and start playing the lottery (can you hear the sarcasm? I’m keeping my fingers crossed anyways)….

Thanks in advance for your help!

Being single and fabulous is EXPENSIVE……

As you all know, I’ve kinda been all over the place the last few months. Literally all over the place… NYC, Miami, Dallas, LA. Between this and the going out EVERY WEEKEND (and getting wasted) I have managed to run my credit cards right back up to where I started! :-/

I know, I know…. What the hell are you doing?

I had a bit of a reality check last weekend. I wrecked my car while I was driving…. A bit intoxicated and texting.

Good job genius.

I know. I don’t want to talk about it.

And now…. As I’m on the phone with the student loan people, I got another reality check.

After 5 years of deferments and forbearances I have to start paying that shit back too.

I know.

So I have to pull $500 out of my savings for my deductible to fix my poor little car AND I have to start sending Nelnet $167.55 as well.

I made almost $60,000 last year….. why am I still in debt??????

Reality check.

So, I have updated my debt tally and I’m going back to my budget. The good news is, once I get the deposit back from the house I will have over $4000 in savings for ‘emergencies’ so I won’t feel so inclined to use the plastic.

Seriously, being single is pricey!

I was doing so well before the breakup, because I had turned into a hermit. No that I am ALIVE again; I don’t know what to do with myself, so I do crazy things like buy everyone a round of patron shots.

Cause that sounds like a great idea.

I’m seriously shaking my head at myself.

Realistically, I can’t promise that I’ll stop going out. But I can promise, that I won’t drink and drive anymore and I will stop using my credit cards for dumb shit (like patron).

All that said, and I have a date tonight! :)

I’m not the kind of girl that will look the other way when the check comes…. But instead of offering to pay, I’ll just offer to go dutch.

Baby steps.

I’ll tell you more about her later. Let’s just say, this is going to be interesting. :)

Have a wonderful weekend!

Weigh-in Friday…

196.6lbs

I’ve attempted to write a couple of times in the last couple of days, but for one reason or another I’ve gotten sidetracked and said, “I’ll do it later”

Accountability…. I know.

Probably part of the reason I haven’t been writing as much. It’s not as fun to write about eating crap, not working out and gaining weight, oh and being broke!

I am headed back in the right direction now. I think. Or at least, I want to.

I started working out again this week after not working out for 2 weeks.

I started back with a cardio kickboxing class… that wasn’t a good idea, I about died in that damn class. I worked out again on Wednesday… (I successfully ran a mile in 10 minutes!), and I worked out again last night.

But I have to be honest, I didn’t want to do it AT ALL.

Once I was at the gym and working out I was fine, but after I left I didn’t have that high that I normally get, it was more like dread thinking about doing it again the next day.

What is that about??

I have been buying more organic foods, so that is good, but newsflash to me, just because it is organic doesn’t mean that it doesn’t count!

I don’t even wanna talk about the finances. I’ll just say this, I got paid yesterday and I’m already broke!

I hate when that happens!!

With all of my trips coming up and miscellaneous stuff here and there the money is spent before I even get it!

Oh well.

I’ll be traveling to Florida for next week work , so I’ll probably be M.I.A. again for a little bit.

Have a wonderful weekend everyone!

Weigh-in Friday??

Ok… it’s not Friday, but I didn’t forget about it- I’m just on strike!

I’ll weight in again next Friday, I promise!


I totally forgot to mention “Julie and Julia”… the last time I wrote.

I went to go see it last weekend with H. It was SOOOOOO good! I actually went out and bought Mastering the Art of French Cooking Volume 1 and 2 the next day (don’t worry, I got it on some crazy sale- I only paid $11.99!)

You should really go see it!

Anyways…


Here are those Badgley Mischka shoes I was telling you about…

Cute right?!

Well, after doing my budget for the month this morning (which I have updated on the left sidebar), I think I’ve come back to my senses. It’s not that I don’t want those beautiful things, I do, but it doesn’t allow me to reach my goal of getting out of debt and going on all these trips at the same time.

Especially after I just made a $935 payment to pay off credit card #1 again! I used it for my work trip and some other miscellaneous shit that I probably didn’t need.

You’d think I would have learned by now.

Whatever.

It’s paid off again, and I realized how important that zero balance is to me. So no Dior glasses or Bagdley Miskcha shoes.

I have no shame is saying that I will be hitting up Canal street in NYC though! A knock off for $30 bucks sounds like a good compromise to me! Ok- definitely not knock-off shoes (EVER), but a bag and some glasses won’t hurt!

I sound shallow, but I’m really not. Material things don’t bring you happiness, I get that. But it’s all so pretty! :-)

Anywho… with that said. I am really missing my family. So the money is better spent going to see them and doing things with them at home. I’m so excited about spending Christmas with them… can’t wait!!

Have a wonderful weekend everyone!

Weigh-in Friday…

First I have to say I almost titled this post, “I ran 2 miles yesterday just to spite a Meat-head”…. Lol, I’ll elaborate in a minute.

Ok- down to business!

Weigh-in results are….

192.8

Woot woot! (I’m doing the happy dance in my chair at work!)

I really can’t believe that I lost this week! I honestly haven’t been trying my hardest. I work out twice this week, ate pound cake that I made for my girlfriends parents and ate potato chips for lunch a work (on multiple days).

Again…. Imagine if I really, really tried!

So, back to the Meat-head at the gym.

I met M again at the gym yesterday after work. Neither one of us was feeling it AT ALL! But we got our asses on the treadmill anyway. We started off slow walking at 3.5 for about 7 minutes… after that I convinced myself to run a mile. And I did! (go me!) Anyways, I had just finished running and I was walking to bring my heart rate down before getting into sprints when this big- no huge, buff, ripped, muscle-head douche-bag comes over to my treadmill. (Mind you, there are several treadmills free on the other end of the gym)

Douche-bag: *standing to the left of the treadmill with his arms folded across his massive cheast*
Douche-bag: Hey- uh, how much longer you gonna be on that machine? You know there is a 20 minute limit.
Me: *eyebrows raise- with a facial expression saying, SERIOULSY?*
Me: There are a couple of machines free down on the end.
Douche-bag: I need to use this machine- it is the only one that goes up to 11.0
Me: All the machines are identical?!
Douche-bag: Well, I prefer to use this one.
Me: Well, you’ll just have to wait then *Bitch smile* (you know the one I’m talking about- a grin, with a slight tilt of your head)
Douche-bag: *looks at his friend with a dumb expression like- "did she just say that to me?”*
Me: I’ll be about 15 more minutes. *and with that I put my headphones on and crank the treadmill back up to 5.8 and start running*

During this ridiculous conversation M finishes her workout on the treadmill and gets off- Meat-head continues to stand by my treadmill as someone else gets on hers.

M is so funny, she is sitting on the row machine next to my treadmill while she waits for me, and Meat-head is still standing there bitching and moaning like a 5 year old. She finally says to him, “she’ll be done in a minute.” He replies with, “What goes around comes around.” M looks at him like- WTF, and she says shaking her head, “She doesn’t even know you!”

I had no intention of running another mile, but once I starting going I was running just to spite him. I’m sorry, but there are better ways to speak to people if you want something. I can understand if all the treadmill were full and there was an actual wait, but COME ON DOUCHE-BAG, GET OVER YOURSELF ALREADY!! And as G said when I told her, “Get off the steroids dude!”

Next time I see him at the gym I’ll have to thank him!! Because of him pissing me off I ran 2 miles!! Ok, I had a little break in between, but so what; I still ran 2 freaking miles!

After all of that, M and I got on the Elliptical. I think she stayed mostly just to take out some of her aggression towards the Meat-head! Haha! She only stayed for 10 minutes, but I continued for 30 minutes. Believe it or not, after that I got back on the treadmill (no, not the same one!) and ran 30 second sprints; 7.5, 8.0, 8.5, 9.0 and back down again. 9.0 is hard as hell!! I got a kick ass workout…. Thanks to the Meat-head!

While we were at the gym, M and I agreed to a weight-loss challenge. It will start on Monday and go through Friday. We both have to get a minimum of 1 hour of hardcore exercise each day and we have to count calories EVERY SINGLE DAY. I will get 1400 calories per day, and M will get 1200-1400 calories per day (because she weighs 20lbs less than me). We are also going to exchange sparkpeople.com logins and recruit our girlfriends to monitor us.

Sounds fun!

Not so much.

But I am going to do it…. What’s 5 days anyways? Wish me luck! :-)

As far as my financial diet, well, I have a lot going on. But I did get paid yesterday!

I’ve got three trips in the works; NYC in September with my girlfriend, Miami in October with cotton club, and Home for Christmas.

I setup a special “travel savings” account, just so things don’t get out of hand. I also included the trips in my forecasted budget- so it is all very doable, especially since I am using frequent flyer miles for NYC and Home!

AND

I increased my direct deposit to my Euro travel savings account to $200 a month (I was doing $150 before)! I am on a roll! I’ll be updating my financial status on the left sidebar today.

I LOVE having things to look forward too! What do you have to look forward too??

Have a wonderful weekend everyone!

Pay day!

First, I did make it home yesterday evening and I didn’t even have to use my last $2 for a gallon of gas. My gas light was on when I got home- but hey I made it!

Thank God today is payday!

There isn’t much to update on my finances, I only had $100 left over to put towards credit card #3, but hey that is better than nothing.

Normally I would have more cash available to pay down my debts, but this month I wanted to start replenishing my savings account and save some money for my birthday.

I have 2 savings accounts, one for an emergency fund that I am not suppose to touch (unless it’s an emergency), and the second specifically for our Euro trip next year.

Savings account #1 has $450.01
Savings account #2 has $1332.71
Total: $1,782.72

I keep thinking, “Well I almost have two grand saved, so I’m not going to worry about having a $1000 emergency fund.”

I really need to change my thinking. Savings account #2 has a specific purpose, so I really do need to have $1000 in Savings account #1.

The reason this came up is because when I went to the dentist last week, I was told that I need to do a deep cleaning (root planning and scaling) and I just found out that my insurance doesn’t cover most of it, so I would get stuck with like a $600 bill. My first thought was, well I’ll just put it on my $0 balance credit card and then pay it off quickly.

But you know what? NO!

I’m not doing that anymore! I have to stop thinking that way; otherwise, I’ll never break the cycle.

So anyways, my current mission is to add $550 to Savings account #1 a little bit at a time. I redid my budget and I should have it up to $1000 by July 2nd.

This financial diet stuff gets complicated from time to time! I feel good about where I am though. Having a plan and a good budget really helps. Of course, it’s not always perfect 100% of the time, but I can make changes when I need to and I see how it affects things in the long run.

FYI…
I think I have lost the Popeye’s craving! I listened to Jillian’s latest podcast this morning on the way to work and she was talking to Helen the season 7 winner of Biggest Loser. Helen lost 140 pounds!! She is a freaking size 2!! Holy shit! If that isn’t motivation, I don’t know what is!

My internal battle

I really want some Popeye’s. You know- the greasy spicy fried chicken with yummy sides like seasoned fries, dirty rice, red beans and rice and fattening buttery biscuits.



TMI- but I finally started my period after what seems like 2 weeks of PMSing. This could be the cause of my fried chicken battle.

Believe or not, I actually worked out yesterday. I went to the gym and did 30 minutes on the elliptical and 25 minutes on the treadmill doing walk/run intervals. I was thinking about chicken the whole time.

I haven’t caved yet, but I have a feeling that I might. Honestly the only reason why I haven’t gotten any Popeye’s yet is because I am completely broke until pay day tomorrow. I have $2.39 in my checking account and I have less than a quarter tank of gas in my car and I still need to make it home from work tonight. My job is about 25 miles from my house. That means I am going to spend my last two dollars on a gallon of gas.

I brought this on myself.

I spent $8.46 at blockbuster 2 days ago knowing I was going to need gas before I got paid this week.

What?

I realized I hadn’t seen season 1, 2 or 3 of Grey’s Anatomy. So I spent the $8.46 to rent season 1. I could have watched it on the internet for free, but it was super annoying because it kept freezing.

Right. Good move genius.

So hopefully a gallon of gas will be enough for me to make it home. Good thing I have a small, fuel efficient car. lol