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Day 2

August 25th, 2016 at 05:49 am

I just spent a good 30 minutes on this post and when I published it, it was gone. Now I'm trying to remember what I said because it was long.

Here is what I can remember:

Thank you to everyone for the warm welcome. I am looking forward to sharing my financial journey with you. I want to give a shout-out to the following bloggers who have inspired me:

CB in the City - My future self...I can see my retirement looking bright!
VS-from-Oz - I am on the same journey as you.
Scottish_girl - My younger self...I've been there and I can relate. Hang in there SG because it gets better!
Creditcardfree - What I'm striving for now.

I said more in my previous post but I want to say that these bloggers were my inspiration to begin my own blog.

Let's talk about my money and where it goes. I am currently gathering up to date figures for my debt balances.

CC1 is old debt that was from consolidating other debts. The APR is 9.90%. I pay half a payment each payday (every other Friday).

CC2 is newer debt. I began this card to use for gas for my side biz. Did well too. Then other expenses here and there (bad choices) plus my personal training fees go on this card. The APR is variable and currently sits at just over 15%. I also pay half a payment each payday.

Student Loan from when I graduated in 2006. This is consolidated and the APR is 2.8%. I also pay half a payment each payday.

Mortgage. My husband pays this but he transfers from his checking to my checking. I pay this in full when due.

Obligatory expenses: Groceries, electric and water (one bill), cell phone, internet, security alarm service, gym memberships, tithing, clothing and miscellaneous.

We cut out cable TV years ago. We feel that cable is a rip-off. We also recently decided that going to the movies is also a rip-off. We check out DVDs from the library and if we like a movie enough to watch over and over, we will buy it but wait for it to reach rock bottom prices usually at Big Lots for 5.00.

Income sources:
Day job and side jobs (I have one side job. My husband has multiple side gigs).
Bing Rewards
Ibotta app
Receipt Hog app
Target gift card rewards (for certain purchases)

No spend day!
My side gig earnings 50.00
Breakfast: overnight oats, coffee
Lunch: cheese omelet on toast, greek yogurt with strawberries
Snack: apple
Snack before side gig: hot dog (from home)
Dinner: chicken tenders, mac n cheese, wine

10 Responses to “Day 2 ”

  1. nhgirl1970 Says:


  2. ceejay74 Says:

    Ohh, yeah. One thing you've got to get used to is that if you work on a post for a long time, it might disappear when you hit publish. I always "Select all" and then hit "Copy" before I hit publish; that way if it disappears I can just start a new post and paste everything in without having to rewrite it.

    Others write their post in a different program like Word, then paste the text into the new post.

  3. Trying to get ahead Says:

    Great advice ceejay74, thanks!

  4. creditcardfree Says:

    It's always nice to hear that I've inspired someone! It makes putting all of our financial journey out there more sweet. Blogging has helped me make our financial goals happen. And really anyone can do it! I look forward to reading your journey, especially what you guys do for side gigs. Smile
    I copy/paste nearly all of my posts before publishing, too.

  5. Petunia 100 Says:

    Welcome. Smile
    Another option to keep your posts from disappearing is to "save as draft", then continue writing. It certainly is frustrating when they just *poof into oblivion.

  6. snafu Says:

    Welcome t SA where we are a varied group with different backgrounds and experiences. We do our best to make suggestions and offer encouragement when things go off the track. Sounds like you've armed yourself with knowledge and have a plan. Good on you!

  7. debtfreeme Says:


  8. scfr Says:

    Welcome to the SA blogs!

  9. scottish girl Says:

    Wow I'm glad I inspired you Smile it's so nice to hear.

  10. CB in the City Says:

    Thank you! I'm just now seeing this, and I'm so tickled that I inspired you! I'm sure your future retirement will be GREAT!

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