nikiz628
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Post by nikiz628 on Sept 13, 2020 18:41:04 GMT -5
9/1: No spend. 9/2: Spent $7.75 at the baseball concession stand & $5.34 at coffee shop= 13.09 9/3: No spend 9/4: No Spend. 9/5: DS1 and I had a mom/son date (shopping for his birthday party) and had lunch. Spent $14.20. Also spent $21.40 at Bath & Body Works, but we are stocked up on hand soap for awhile. 9/6: No spend. 9/7: Took DS1 to lunch for his birthday: $15 9/8: No spend. 9/9: $5 at concession stand. 9/10: $4 at concession stand (change jar coins) 9/11: No spend 9/12: Spent $15 at grand opening event of my favorite cookie baker. My sister and I stopped by her new storefront on the way to our aunt's funeral- it was a nice treat to get through that. 9/13: No spend. 9/14: 9/15: 9/16:
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nikiz628
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Post by nikiz628 on Sept 10, 2020 22:46:09 GMT -5
9/1: No spend. 9/2: Spent $7.75 at the baseball concession stand & $5.34 at coffee shop= 13.09 9/3: No spend 9/4: No Spend. 9/5: DS1 and I had a mom/son date (shopping for his birthday party) and had lunch. Spent $14.20. Also spent $21.40 at Bath & Body Works, but we are stocked up on hand soap for awhile. 9/6: No spend. 9/7: Took DS1 to lunch for his birthday: $15 9/8: No spend. 9/9: $5 at concession stand. 9/10: $4 at concession stand (change jar coins) 9/11: 9/12: 9/13:
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nikiz628
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Post by nikiz628 on Sept 10, 2020 22:43:02 GMT -5
How is your new business going nikiz628 ? Cases here are increasing exponentially. There are rumors that Job 1 will be online within a week. If that happens I'm sure Job 2 will follow. I'll need to pick up my teaching materials at both jobs if that happens. AMAZING, thank you for asking! The custom item side of it has been crazy busy, which excites me because I can stretch my creative side!
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nikiz628
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Post by nikiz628 on Sept 3, 2020 23:08:58 GMT -5
Update Race #2 9/4/2020
Race #2 | INTEREST | ORIGINAL | LAST UPDATE | THIS UPDATE | DIFFERENCE | Auto Loan (SUV) | 4.00% | $32,991.93 | $9,251.17 | $8,873.75 | -377.42 |
NikiZ628 (2): 9/4/20 $8.873.75 (3/26/18 $32,991.93) Total Paid in 2020: $3,072.35 Total Paid Overall: $24,118.18*My goal for 2020 is to get this loan under $7,500.....
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Post by nikiz628 on Sept 3, 2020 23:04:47 GMT -5
UPDATE 9/4/20202020 Savings | START | CURRENT | GOAL | STILL NEED | Emergency Fund | $1,000.00 | $2,000.00 | $2,000.00 | goal met 5/28/20 | DS1's Savings | $1,960.29 | $2,061.48 | $2,200.00 | $138.52 | DS2's Savings | $734.55 | $835.21 | $850.00 | $14.79 | Totals | $3,694.84 | $4,896.69 | $5,050.00 | $153.31 |
NikiZ628 9/4/2020 $4,896.69 (Goal $5,050.00 WIRS2)
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Post by nikiz628 on Sept 3, 2020 15:16:16 GMT -5
9/1: No spend. 9/2: Spent $7.75 at the baseball concession stand & $5.34 at coffee shop= 13.09 9/3: No spend 9/4: 9/5: 9/6: 9/7: 9/8:
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Post by nikiz628 on Sept 1, 2020 0:19:55 GMT -5
I forgot a procrastination item: ~Wiped down the interior of my truck with Armor All - at least two months Cleaned the inside of my windshield - a month or so, but DH did this task for me per my request. I'm hoping getting some of these fussy things off my head will allow me to sleep better. I doubt it, but it's worth a shot.
I keep a bottle of Armor All and a lint free rag in my SUV at all times. When I am sitting in the pickup line at DS1's school, I will randomly wipe down the dash and console. I probably look like a weirdo, but hey, I am making a productive moment out of being stuck in the car.
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Post by nikiz628 on Aug 20, 2020 15:26:40 GMT -5
I say Mom just hands over cash in the amount she can afford/wants to give and call it a day. Then they can use it how they wish. Once I was out of high school and out of the house, my parents both went to cash gifts only for birthdays.
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Post by nikiz628 on Aug 19, 2020 8:32:55 GMT -5
My business had it's "grand opening" on friday, and I am already bombarded with custom tee orders! I am so excited! Before I went to sleep last night, I grabbed the planner I bought specifically for this business, and ORGANIZED my week, so that I can accomplish everything without being chained to my crafting corner. A lot of my boutique items sold as well, so I have packaged those up (including the ones shipping) and arranged meets with the buyers. As far as this week's home to do list: Clean the driveway area Making grooming appt for WinnieRepack the yard sale items I have left from selling on FB and put the totes back in the garage Mow/Weedeat Tidy up garage Balance checkbook & pay bills
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Post by nikiz628 on Aug 19, 2020 8:10:16 GMT -5
UPDATE RACE #4 8/19/2020
RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24.945.53 | $21,740.70 | $21,478.78 | -261.92 |
NikiZ628(4) 8/19/2020 $21,478.78 (6/26/19 $25,195 WIRR197) Total Paid in 2020: $2,347.55 Total Amount Paid Off: $3,716.22
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Post by nikiz628 on Aug 19, 2020 8:03:37 GMT -5
UPDATE RACE #5 8/19/20
Race #5 (CC Debt) | Interest Rates | Starting Balance | Last Update | This Update | Difference | Citi Best Buy | 0% promos only | $1803.93 | $2,400.00 | $2,300.00 | -100.00 | Discover | 0% until 1/9/21 | $6,501.76 | $6,675.00 | $6,500.00 | -175.00 | Capital One Quicksilver | 22.9% | $4,200.00 | $4,300.00 | $4,170.00 | -130.00 | Menards Store Card | 26.49% | $2,252.61 | $2,248.13 | $0.00 | -2,248.13 PAID OFF 8/11! | TOTALS |
| $14,758.30 | $15,623.13
| $12,970.00 | -2,653.13 |
NikiZ628 (5): 8/19/2020 $12,970.00 (5/13/20 $14,758.30 WIRR 227)
One credit card is officially paid off! I wanted to eliminate that stupid high interest rate first. Now to tackle the Quicksilver! (And get that Discover paid down before the 0% expires)
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Post by nikiz628 on Aug 17, 2020 7:20:47 GMT -5
My business had it's "grand opening" on friday, and I am already bombarded with custom tee orders! I am so excited! Before I went to sleep last night, I grabbed the planner I bought specifically for this business, and ORGANIZED my week, so that I can accomplish everything without being chained to my crafting corner. A lot of my boutique items sold as well, so I have packaged those up (including the ones shipping) and arranged meets with the buyers.
As far as this week's home to do list: Clean the driveway area Making grooming appt for Winnie Repack the yard sale items I have left from selling on FB and put the totes back in the garage Mow/Weedeat Tidy up garage Balance checkbook & pay bills
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Post by nikiz628 on Aug 11, 2020 20:41:30 GMT -5
Called IPL this morning. They combined the bills for both addresses into one bill which just posted on Friday. I was finally able to make an online account to see the details and scheduled the payment for tomorrow. That apartment and its appliances were definitely an energy-suck. With the crappy a/c always running, having to run each spin cycle twice, and each load twice in the dryer, it's no wonder my bill at the apartment was higher. So, now, waiting for that payment to go out and still waiting for the termination check to clear. Glad you finally got that straightened out.
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Post by nikiz628 on Aug 11, 2020 20:37:01 GMT -5
Theo, I am sorry to read about sweet Lucy. ❤️
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Post by nikiz628 on Aug 7, 2020 15:46:31 GMT -5
There is a German word for worsening through improvement. Schlimmerbesserung. Anyone with knowledge of German, please feel free to correct my definition or spelling. The only thing that is improving in the post office situation is the word improving. The new Postmaster General has a vested interest in making it fail. And I've seen (or heard about) numerous things, just since I moved into my house, that would piss me off royally at the post office: carriers who don't stop to pick up outgoing mail, carriers throwing mail on porch furniture rather than putting mail in the box, not delivering mail, and now this with the mail that should have been delivered by the 3rd (I KNOW my bank mailed it in time because I've paid rent like this since April) and it still hasn't made it. Many people will be just pissed at their local office, not knowing that the changes come from higher up. Last month the Indianapolis distribution center "lost" our entire city's water bills. Not one resident received their paper statement, and that's the only way we can get them here.
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Post by nikiz628 on Aug 3, 2020 21:18:37 GMT -5
My goals for this week are to organize my kid's clothes and go through DS1's clothes to see what he's grown out of this summer. Perk of having boys- they don't give two hoots about a whole new back to school wardrobe. I ordered him some new jeans and shorts in the next size up because he definitely outgrew the ones he had already. A new pair of shoes and he's a happy camper. I know some of the shirts in his dresser are going to be too short now, so he gets to play "try this on and see if it fits" with everything he owns.
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Post by nikiz628 on Aug 3, 2020 21:16:46 GMT -5
I think we are hoping back on the No Spend train this month! Time to get back to some "normalcy" around here.
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Post by nikiz628 on Aug 3, 2020 15:47:01 GMT -5
Sending hugs to all of you who could use one today!
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Post by nikiz628 on Jul 31, 2020 13:06:42 GMT -5
I've kinda been absent from the thread lately, but for a productive and on point reason. I've been ORGANIZING a business I decided to start this summer! I am almost ready to launch, so I have been trying to finalize all the little details. I am very excited and nervous but I think it's a good time to put my business degree to some use!
I am opening an online women's boutique- clothes, jewelry, accessories. Home decor items. Hand poured candles and melts (I make them). And I will also be selling custom made tshirts and tumbler cups. Once the COVID stuff settles and vendor events return, I plan to take the boutique to those as well. I will share the info so you can check it out once its live!
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Post by nikiz628 on Jul 30, 2020 21:20:24 GMT -5
2020 Savings | START | CURRENT | GOAL | STILL NEED | Emergency Fund | $1,000.00 | $2,000.00 | $2,000.00 | goal met 5/28/20 | DS1's Savings | $1,960.29 | $2,061.48 | $2,200.00 | $138.52 | DS2's Savings | $734.55 | $835.21 | $850.00 | $14.79 | Totals | $3,694.84 | $4,896.69 | $5,050.00 | $153.31 |
NikiZ628 7/30/2020 $4,896.69 (Goal $5,050.00 WIRS2)
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Post by nikiz628 on Jul 30, 2020 21:12:26 GMT -5
UPDATE: RACE #5 7/30/20Race #5 (CC Debt) | Interest Rates | Starting Balance | Current Balance | Difference | Citi Best Buy | 0% promos only | $1803.93 | $2,400.00 | +596.07 | Discover | 0% until 1/9/21 | $6,501.76 | $6,675.00 | +173.24 | Capital One Quicksilver | 22.9% | $4,200.00 | $4,300.00 | +100.00 | Menards Store Card | 26.49% | $2,252.61 | $2,248.13 | -4.48 | TOTALS |
| $14,758.30
| $15,623.13 | +864.83 |
NikiZ628 (5): 7/30/2020 $15,623.13 (5/13/20 $14,758.30 WIRR 227) So, the balances went the wrong direction since I first posted in May. We have been moving money around since the refi and haven't allocated big portions to paying off yet. We can pull the remaining money out tomorrow, so the plan is to pay off the Menards card since it's the highest interest. After that, I am not sure what we will do- since we can finally order our dang pool. The mortgage dept at the credit union we redid our HELOC at dropped the ball big time on our paperwork. We were supposed to close on that back at the beginning to mid June. We just signed the papers 2 days ago. They issued lots of apologies, excuses that it must've been stuck on someones desk and forgotten, etc. etc. That's all well and good but we lost our spot with the pool company, the pool we wanted is now out of stock, and we have had to delay the excavation guy 3 times. Your "I am sorry" isn't going to fix that.
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Post by nikiz628 on Jul 23, 2020 19:48:50 GMT -5
Internet is HERE! I got fiber and it is so fast [img src="https://i239.photobucket.com/albums/ff155/JiminiChristmas/ymamsmiles/smile.gif" class="smile" src="//storage.proboards.com/forum/images/smiley/smiley.png" alt=" "] I finished priming in the living room and the paint is up 6’ and I’ll do the rest on the ladder. As soon as the paint all dries I can move the furniture back in. I found a shortcut to unloading the boxes which is to back my truck up to the POD, load in a dozen boxes and then drive around to the garage and unload them. Goes so much faster! I’m going to try to do one more load before it gets too dark. I did not get to the laundry today but it’s still in the truck for tomorrow. Yay for speedy internet!!!!!
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Post by nikiz628 on Jul 18, 2020 14:07:06 GMT -5
I'm not sure if I shared but I quit the part-time job. Here's the copy/paste from what I put on facebook: Done working at the Keystone WHBM. It's not cool when someone questions whether or not my shift was approved by the manager--as if I would go in without getting their okay--but it's less cool when they also take me to task about questioning what they're doing, when they mess up displays I spent many hours getting to look nice, and tell me "I don't like the tone you used and I don't appreciate you questioning me in front of customers...and since I'm a sales manager, this won't happen again." I've never had anyone in retail pull rank on me, not even my store managers. Well, not in that manner anyway. And it happened only a few times in the 20 years I was in the Air Force. I get that whatever tone I used was received differently than intended but when someone pulls rank on you, you're dealing with their insecurities. I deal enough with my own. I'm not gonna deal with theirs and I'm certainly not going to deal with someone who questions my integrity, regarding whether I'm working with permission or not. My life does NOT require this job. It was my "petty cash."But I've got a couple lines in the pond to get something else; something that pays me commensurate for my skills. Here, again, at the apartment to pick up the computer and stuff. Spending the day with my new beau tomorrow and don't want to venture 20 miles to the SW side of town any more. Though, I will have to make one more trip, next week, to drop off the keys. Good for you for standing your ground! That was not cool of them at all.
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Post by nikiz628 on Jul 17, 2020 21:54:49 GMT -5
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Post by nikiz628 on Jul 15, 2020 14:15:31 GMT -5
I feel like I haven't touched my planner since the pandemic started. I haven't even made a to do list, which is just crazy for me (the list queen). I am sitting down today to start getting things back in order around here. As it stands, the kids will go back to school on August 10th, so some routine needs re-established. I just printed out my blank monthly meal plan calendar (also haven't used since March) and I am putting together my to do list. My planner is probably so happy to be held and wrote on again!
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Post by nikiz628 on Jul 15, 2020 14:10:31 GMT -5
Update Race #2 7/15/2020
Race #2 | INTEREST | ORIGINAL | LAST UPDATE | THIS UPDATE | DIFFERENCE | Auto Loan (SUV) | 4.00% | $32,991.93 | $9,641.59 | $9,251.17 | -390.42 |
NikiZ628 (2): 7/15/20 $9,251.17 (3/26/18 $32,991.93) Total Paid in 2020: $2,694.93 Total Paid Overall: $23,740.76*My goal for 2020 is to get this loan under $7,500.....
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Post by nikiz628 on Jul 13, 2020 9:05:33 GMT -5
I will be going to baby's house. It's a 2.5 hour drive. Enjoy your visit!!!
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Post by nikiz628 on Jul 11, 2020 11:18:41 GMT -5
Baby's passport has arrived. Movers coming mid-week. They leave on Thursday. I want to meet baby. They want me to meet baby. My quarantine doesn't end until Thursday, so we are doing an outside, socially distance great aunt meets great nephew on Monday. Yay!!
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Post by nikiz628 on Jul 10, 2020 8:51:14 GMT -5
does that mean that you've finished the painting sharon?! congrats!!! startsmart congrats on your arrival! but that's crazy! why won't they deliver and install?! did you get the puppy nikiz?! kids left yesterday so i took off the dressing and brace. i still have a cotton tube bandage because seeing the wound makes me feel ill. i start pt tomorrow, 3X a week. dh is coming but i'll try driving since it's less than 2 miles. cleaner is away for 3 weeks. catching up on laundry. i'm only working 1h next week. i wish i had more hours. I did! Meet Winnie the Poochon. ❤️
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Post by nikiz628 on Jul 8, 2020 9:51:59 GMT -5
Woo Hoo!! Just added $110,000 to the debt load. Closed on the house today. Where did you find a house for $110,000? You cannot even get a studio around here for that. One of the few perks of living in Indiana lol. LCOL. I’m 90 miles outside Indy and $110,000 will get you a brand new build.
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