My Quest to Get Out of Debt!

Financial Peave University

2008-10-12T02:33:00.002-12:00

I start FPU next week! I'm very very excited. I can't wait to get back on track and start paying off my debt hard core. I have lots of $ sitting there, but I don't like to spend it.

Oh I do need to get a new car though which seriously sucks. My transmission went out. So currently I have nothing and I despise not being in control with all my heart.

Taxes

2008-04-16T03:33:00.003-12:00

Wooooo!!!!

I paid off my taxes!! 1882.75 was the last payment I made on Saturday! It sort of sucked just clicking a button and seeing $1882.75 leave my account, but at the same time it was also very nice. No more KGB/IRS charging me 50% interest and penalties. Which by the way I think is sort of bs. But whatev. It is what it is. I'll pay on time from here on out. I also paid the $185 I owed for 2007 so I'm all current!

Yay!!!

Freedom is one step closer.

I'm trying to get back in the debt paying off mode... I've been out of it for awhile. Vegas .. Spice Girls... etc have taken over my debt paying mode.

Meanwhile I'm back. I have my debt list all put together perfectly and color coded.

My next bill on the list is being a total jerk. They don't want to settle with me and are trying to intimidate me. I'll just go to the next on the list if they won't settle. The debt is 3 years old so I'm not dying to pay it. They can take my money or not. It's funny bc I know how they operate with their scary tactics, and they still sort of got me. I was very upset. lol. I'm a sucker.

Vegas

2007-12-24T07:13:00.001-12:00

Um I spent over 1k in Vegas.

I'd love to be able to say that I regret it, but alas I do not. I got to see the Spice Girls!! Wooo.

Kohl's

2007-03-08T12:12:00.000-12:00

After all that negative on the car I realized that I haven't posted the good news from yesterday!

I paid Kohl's offffffffffffff. aaaaaahhhhhhh.

Mind you it was only $200, but you remember the strangle hold that thing had on me. FREEEEDDDDDOMMMMMM!!!!

My Car ... Sad, Sad Day.

2007-03-08T12:06:00.000-12:00

Well my poor poor car... That's not it by the way... She just cost me $812. I had my mom take her in just for the break lights and apparantly she was on the verge of possibly killing me. Her tie rods and breaks were pretty bad. To the tune of every single penny I had. There went the emergency fund .. don't even get me started. I'm in mourning. There went the $312 I had to pay off the $14oo debt. ... There went .. everything. On top of all that, I now have to re-fund the Emergency Fund so that's $500 more before I can start paying debt off again. It really makes me sad. Sigh.

2007-03-08T12:00:00.000-12:00

Can you believe that I am going to budget his CD in? Bc I am!!! It comes out on March 20th!! I can't wait. Btw I NEVER ever buy CDs. I just love him that much.

Payment

2007-03-06T06:46:00.000-12:00

Ok so remember how I told you about about paying $415 on my first debt... Well I now have another $496 to add to it!!!! I just have to get it over there and that drops the $1400 down to $489!!!!

aaaaaahhhhh. This is all very exciting. I'm working tonight too so that'll add another $30 to it. Which obviously isn't a lot, but $30 here and $30 there makes another $496 so I'll take it!

I won't have as much extra money this pay period though because I actually went grocery shopping and used my food fund. I don't always so sometimes I have extra. This time I did though. I was all out and a girls gotta eat. My food budget is really low anyway. People don't understand how I live on it. It's $70 for 2 weeks. I used to spend that in a few days of going out to eat.

Dave Ramsey Live Event - Kansas City, May 5th

2007-03-06T06:34:00.000-12:00

eeeeeeee!!!!!!!!!!!!!

I'm officially a volunteer for the May 5th, Kansas City Live Event!!!!!!

It's extra exciting because after I originally brought it up I looked it up and the site said that they no longer need people. She finally wrote me back the day before yesterday and said that they'd love to have me!!!! So I enrolled online and am now OFFICIALLY a part of this!!!!

I'm soooo excited!

It's amazing that if you just put your mind to something there is someway that it can be done.

Dress

2007-02-28T09:27:00.000-12:00

I realized it's been awhile since I posted some cute clotehs. So here's a dres that I am drooling over. So darn cute. I have a pattern for a dress just like this. I would just need to buy some material and make it. Honestly though. I'm such a good shopper that I'm fairly certain I can find something at the thrift store or on clearance that is cheaper or the same price as buying the material and spending all that time sewing. The good thing would be that I would get to sew which I really like to do.

Spiritual Debt, St Louis, Budget

2007-02-28T07:48:00.000-12:00

I am basically out of spiritual debt! Isn't that great! Meeting with Pastor Tom and Diana helped immensely along with some things that Elaine suggested I do. Chains were broken inside of me that I've been strugling with for months and months. It feels like a new world today. God is truly great.

I had vowed to Him one Saturday night at YA's that I would do whatever it took to break free of this. I really did mean it. So I did and it worked and I'm freeeeeeeeee.

Spiritual debt down. Financial debt to go.

By the way, doing the right thing is hard. Well specifically the situation I'm going through. It's not always hard, but sometimes it is. Bah.

I'm going to St. Louis tomorrow night, but I'll be back on Friday for work and church. My best friend Eric is paying for my gas so it doesn't take out of the gas budget. Whew. Huge relief.

I'm a darn idiot. I saved my old budget over my new budget which makes me feel sort of lost. That budget holds me together in this realm. So on Friday when I get paid again I'm just going to start ALL over. I'll take the actual $ I have and then I'll budget from there. Wish me luck.

Payments

2007-02-27T05:42:00.000-12:00

I put my first $415 on the first debt on my list! I'm very very very excited! eeeeeee. I had another couple hundred, but it was in uncashed checks so as soon as I cash it I'll pay it. Actually it's more like another $300 or so. The total of that debt is $1400.

After that is Kohl's. Kohl's has been like prison for me. I added a friend of mine onto it to help him build his Canadian credit so of course he is ALWAYS on me to pay it since his name is on it. And rightfully so, but needless to say I can't wait to be done with it. We can't get his name off because there's a balance. Otherwise we'd obviously do that. So anyway. That's the order.

After I pay those off, I'll update the order. It's all on a need to know basis though. You'd all faint if you knew the total and you'd call me crazy for thinking I could do it in 2 years. BUT I CAN.

Dave Ramsey Live Event

2007-02-19T09:36:00.000-12:00

I might get to go to Dave Ramsey's live event here in KC in May!!! Missi Brendtro told me that if you go as a volunteer then you get in for free to the whole event and get food!!! eeeeeee. So I emailed the girl today and fingers crossed that she'll use me!!!!!!!!!

The latest....lalalalalala

2007-02-17T16:24:00.000-12:00

Ok well here's the latest I guess. I started watching the older gentlemen, herein after to be referred to as Frank. I really am enjoying it. It's simple. I like him. It pays well. It's perfect. I also babysat on Wednesday night. I really did enjoy that also. I have the cutest pictures of the baby falling asleep in his high chair. Adorable. And I changed a diaper for the first time in a looooong time. I did pretty well too. Go me. hmmm. What else is new over here. I can't think of anything.

Oh wait yes I can!!!!!! I'm about to pay my first payment on some debt in a really really long time!!!!!!!!!!!!!! I'm going to be paying $500 on my first loan of $1400. I'm ecstatic. I cannot wait. I simply cannot wait to give someone else my hard earned cash!!! Seriously! I just want to work, work, work so I can pay, pay, pay so I can then say I'm FREAKING DEBT FREE!!!!!

That's all. I'm off to see if the TV is free upstairs. I think I have some CSI's I need to watch. They're my guilty pleasure. I just love them!

Work - This Week

2007-02-12T07:48:00.000-12:00

So this week starts my new jobs. Tuesday night I start my new "babysitting" (he's 94 so it's not quite that) job. Wednesday night I really am babysitting. Saturday I'll be with the 94 year old again and probably Sunday too. Oh and I have another job I'm doing for Katy Flyers. I have to hand out a bunch of flyers to 10 people. Then I have to randomly audit them all and take pictures of their area and some of their flyer boxes and then email them in. That will pay $220. I do enjoy working. The more I work, the more I can pay off and the sooner I'm DEBT FREEEEEEEEE.

Taxes

2007-02-12T07:45:00.000-12:00

EEEEEEEEEEEEEEEEEEEE.

I'm so excited!! Today I'm getting my taxes done. I guess now that I'm getting them done, I can fess up as to why this is a big deal. Today I will be getting 3 years worth of taxes done. 2004, 2005 and 2006. Apparantly denial is not a river in Egypt. I have been avoiding doing 2004's because I'm a freaking idiot and I went exempt that year. Dumb dumb dumb. FYI- Don't ever do that. It's DUMB. DUMB- another 4 letter word.

So yeah. Taxes. Yay! I'm excited to learn how much I owe the KGB I mean the IRS because that just takes me one step closer to being debt free. How can you pay something if you don't know how much you owe.

Yay!!!

Brake Lights

2007-02-08T05:26:00.000-12:00

I'm disappointed about the brake lights. I went to Wal Mart on Saturday and they said they fixed it. It cost $3 and I was sooo excited. Come to find out they still didn't work which means that it's some sort of electrical problem most likely. The emergency brake light has been on since the brake lights quit working so I think that's a safe assumption. Sucks.

That's all I have for now.

I've been feeling a lot of stress lately. I don't know. Sigh.

Breakdowns suck. I've been having some the last few days.

I'm meeting with Pastor Diana today on the spiritual debt. We'll see what happens.

Oh I did decide to babysit. Wednesday night is my first night! I'm excited about it! I'll be babysitting 2 of one of my agent's cute, cute boys. Can't wait!

Oil Change and Brake Lights

2007-02-03T04:42:00.001-12:00

I'm on my way to get an oil change and too how much break lights are to get fixed. Lord have mercy!

Emergency Fund and the Library. Oh and taxes.

2007-02-02T10:14:00.000-12:00

I have my $500 emergency fund!!!!! Yay!!!

Oh and I talked to the library. Before Tuesday I owed over $500. Yes I know. It's crazy and not understandable. It's just because I had a billion items still out. So I turned them all in and now it's $70.50 instead. Or rather it will be. I still have 1 item out and 3 books on tape that are all missing the last tape. So as soon as I find the last tapes it'll take $90 off and then once I turn in the last book I have out, it will drop it another $30. Then we add $2 per item for late fees which puts me at $70.50. That's exactly what I thought it'd be so I'm really happy.

Taxes. My financial people are doing my taxes!!!!! I'm so excited. We'll leave it at that for now. Soon I might put up the whole tax story. It's a pretty big deal. So the fact that they are helping me is HUGE! I'm extremely excited. I just can't wait to start paying the KGB, I mean the IRS. :) The sooner I start paying the better. That means the sooner I'm done paying. Yay!

Ok on to church and other stuff.

Keep your eyes open for new babysitting stuff. Mon-Wed nights. After 5. I'll have ya'll keep your ears open as soon as I make a 100% decision.

I'm out for now.

Getting out of Debt - Spiritually

2007-02-02T07:00:00.000-12:00

Ok so I just sent Pastor Diana an email. I know this blog is about getting out of debt.

Remember when Pastor Steve spoke on not owing anyone anything or having anyone owe me anything? Well I am currently working on that. So since this is all about debt I can post a quick note on that.

Hopefully Pastor Diana will give me some direction on where to take this thing I'm dealing with. We'll see. Either way I am going to become debt free. In every area!

Last Night's Surprise

2007-02-01T10:26:00.000-12:00

Ok so last night Stacy and I went out to dinner where she surprised me with $200!!! Isn't that amazing! Completely unexpected. It's from our furniture purchase a few years ago. She asked to take me out to dinner because she remembered something that she thought I would want and could use. She was absolutely right. So that was a huge huge blessing.

I asked the guy I owe $1400 (update from yesterday. my bad record keeping had me thinking it was $700- to) if he minded if I funded my $500 emergency fund first. He said he didn't mind and then said something funny about interest. lol. It was um funny.

Well I think that's it for the money update today.

I need to get an oil change and get my brake lights fixed. Immediately. Immediately has been immediately for quite a few weeks though. Before Christmas.... Sigh. MUST DO IMMEDIATELY.

New Job

2007-01-31T05:05:00.000-12:00

Yesterday I had an interview for my "delivering pizzas" job. -Those of you that listen to Dave Ramsey know what that means. - The job is Saturday and Sundays doing grant research work on obesity. I would be going door to door with a team in specific parts of town asking people to participate in a study. I do get to offer them a $20 gift certificate also. I know I'm going to love. I really do think I'll get hired. The interview went very well. I would honestly be shocked if I didn't get it to the point where I would call and ask them why they didn't hire me. I think it went that well. - So back to the job. It's for UMKC's School of Medicine. For those of you that know me at all, you know that Neurosurgery was always my dream. How incredible to be able to work for the School of Medicine. Just imagine what kind of doors that will open up for me. You better bet that I'm going to meet anyone who's anyone there and I'm going to make sure they know me. I'm so excited about the whole thing. It's right by Charity's hospital which is another cool thing. I can stop in and visit her every now and then too. So that's the latest on the second job. I'm not afraid of work. I just need to do something I like or I'll just go crazy. I will too. I'll go crazy doing something I hate. In fact I refuse to do it. There are too many opportunities to do something that I do like so why the heck would I settle for being unhappy for a huge part of my life? Doesn't make sense.

Food - Michael's family gave me a lot of left overs! I'm excited about that too. It means that I don't have to eat Lean Gourmet's for a few days!!! Don't get me wrong. They aren't that bad. I just get sick and tired of them every now and then. :D It also means that I only used $12 of my 2 week $70 food budget!!!!! I bought enough the previous time so I didn't have to buy anything else. The $12 I used was when I went out to eat with Claudia and Carrie. Claudia is a missionary to Mali Africa. It was a special occasion. Though it was my first time paying to go out to eat in FOREVER, I weighed it and decided it was worth it and that I would just have to take it out of my food/Wal Mart budget. So I did.

Well I think that's the update for the day.

Oh I had to spend $0.60 on a sprite a few minutes ago. I'm real sick. I really didn't want to spend it, but my mom yelled at me a little so I went ahead and parted with it. lol. It's that bad. My fanaticism is that bad. ha ha. Makes me laugh. I used to waste and spend like there was no tomorrow. Guess what? There is a tomorrow. Tomorrow always come. Spending like there's no tomorrow is dumb as heck.

Ok now I really am done for today. Due to aforementioned sickness I might be going home soon. I feel like crap.

$25 and Moving and Gas

2007-01-29T10:55:00.000-12:00

I saved $25 today. I can't really tell why, but suffice it to say that my stupidity should have cost me $25 today and it didn't!!!!! I'm very happy about that. I love going back to the budget and deleting things that I don't need to pay.

Last night I spent my first night at my new house. I really really like it. I'm very happy there. It is $100 more than I was spending, but I'm driving a minumum of 30 less miles a day. It's 1.2 miles from my job and my old house was 15 miles away one way. That's a plus. I did some math and have determined that it basically will even itself out. It also provides me with a lot of peace and a little more privacy which I like and it is definitely worth the extra hundred. It's really not that much anyway. I went from 250/mo to 350/ mo. That's really nothing.

There's my money update for today.

Oh I filled up the tank last night at $1.80 and gas went up .10 today! Go me. Got it just in time.

The New Blog for the New Me

2007-01-26T02:16:00.000-12:00

Ok so I'm starting to use this blog again. I figured I'd better post something of substance besides the crap I have on here now.

I found a blog called Climbing Out of Debt. I had to comment his blog and so I'm sure he'll take a look at mine. Don't want him to think I"m a shallow vapid whore or something. So here goes.

I'm sitting here at work and there's a gas station right across the street. This girl just got out of my favorite car in the world. The grey blue convertible new beetle (i had a green new beetle but for financial reasons no longer do). This young beautiful professional woman just walked inside to pay for her gas.... sigh. makes me sad for me and really maybe a little sad for her too bc chances are that she is like everyone else mainly living paycheck topaycheck. She is super cute though. She just walked out with a coke or something. She has an awesome necklace on too.

Ok that's all for now.

Elisabet
24 yr old girl. Trying to get out of debt.
Rice and beans. Beans and Rice.

2006-12-11T16:10:00.000-12:00

Aaron, Jesse and Micah. They're all too darn cute.

2006-12-11T16:06:00.000-12:00

Vintage Claire

2006-12-11T15:23:00.000-12:00

So these shoes are amazing. I'm all about the Manolo Blahnik. I'm sure I will never own a pair, but meanwhile they are amazing.

My best friend Rosey and I a couple weeks ago.

2006-10-27T02:13:00.000-12:00

Why do I have so many blogs. It's so freaking stupid.

2006-09-18T17:07:00.000-12:00

I love this show. One of the best shows on tv.

2006-09-18T14:49:00.001-12:00

Somebody made this beautiful thing of my husband.

2006-09-18T14:49:00.000-12:00

Fine!

2006-09-18T14:39:00.001-12:00

Beautiful man.

2006-09-18T14:39:00.000-12:00

I'm watching Prisonbreak right now. THere are some hot men on this show.

2006-09-18T14:15:00.000-12:00

Summer is over and I didn't even have that much this year. Didn't make it to PR or anything. Isn't that sad.

2006-09-18T14:12:00.000-12:00

I would like this game. I doubt it would really be all that fun though.

2006-09-18T14:04:00.000-12:00

More cute and pregnant. Which I of course am not pregnant or anything. Good heavens itd be an impossibilty, but I just like to look at cute pictures.

2006-09-18T14:02:00.001-12:00

The beach. Love. Kisses. Cool.

2006-09-18T14:02:00.000-12:00

Her hair looks really cute here.

2006-09-18T13:58:00.000-12:00

i hope i look this cute when im pregnant.

2006-09-18T13:55:00.000-12:00

Sweet Valley icons. The obsession continues.

2006-09-18T13:38:00.000-12:00

I like this picture of them. It's fairly recent. Adorable

2006-09-18T13:32:00.000-12:00

They look so young and sweet.

2006-09-18T13:30:00.001-12:00

OLLLDDDDD Spice Girls!!!!!!

2006-09-18T13:30:00.000-12:00

Love this little outfit and her boots!!!

2006-09-18T13:28:00.000-12:00

So beautiful. She sort of reminds me of the Lohman twins.

2006-09-18T13:27:00.000-12:00

New Emma Bunton. Great hair and great body. Remember when she was "chubby". She was one of the bigger Spive Girls along with Geri.

2006-09-18T13:22:00.001-12:00

couture couture

2006-09-18T13:22:00.000-12:00

Newer Victoria Beckham. So couture. Love the hair.

2006-09-18T13:19:00.000-12:00

does anyone but me remember this. the spice girls stupid playstation game??? it was dumb.

2006-09-18T13:17:00.000-12:00

Vintage Spice Girls. Love.

2006-09-18T13:13:00.000-12:00

Look at my Benji. He's so hot. btw im liking the new picasa.

2006-08-31T03:47:00.000-12:00

This is .. Someone. An old picture of someone. Someone is even hotter now. His hair is longer.

edit: his hair is shorter now. nice. i had to remove picture of someone though bc other people are gonna see this now. hi haley. i love blogspot.

2006-08-31T03:21:00.000-12:00

I like Kristin. lol. And I love her shirt. You can have him. lol. Ha.

2006-08-17T09:56:00.000-12:00

2006-08-17T09:27:00.000-12:00

Benji!!!!!!!!!!!!!! My LOVE. My <3

The love of my life won So You Think You Can Dance!!

2006-08-04T08:09:00.000-12:00

so fine!!!

2006-08-04T06:52:00.000-12:00

Look at my Benji. That's how I like my men. Hottt!!!

2006-08-01T05:36:00.000-12:00

I adore this bathing suit and her body. Sorry to let you know, the thinspo is coming back full force. i must lose 10 pounds immediately

2006-07-09T12:18:00.000-12:00

ok fine. one more

2006-07-09T12:16:00.000-12:00

and one more for now. maybe more later. i havent picture blogged in awhile.

2006-07-09T12:15:00.002-12:00

i gotta stop looking at these things

2006-07-09T12:15:00.001-12:00

sigh

2006-07-09T12:15:00.000-12:00

im kinda tired of being alone. oh well.

2006-07-09T12:03:00.000-12:00

My boyfriend Benji and I like Travis alot too.

2006-07-09T12:02:00.000-12:00

People make these cute little things. I'm telling you. I just love these 2.

2006-07-09T11:59:00.000-12:00

Eric and Boogie!!!

2006-07-09T11:58:00.000-12:00

Last fourth of July with the Morrisons. I miss them

2006-06-25T17:06:00.000-12:00

I wish it was Wednesday.

2006-06-25T17:05:00.001-12:00

This girl is soo darn cute. She has great hair too.

2006-06-25T17:05:00.000-12:00

My 3 favorites.

2006-06-25T17:03:00.000-12:00

This is simply gorgeous. Boricua.

2006-06-25T17:02:00.001-12:00

I didn't make this but I love all those guys. Hotness.

2006-06-25T17:02:00.000-12:00

I love this picture. Awww.

2006-06-25T17:01:00.000-12:00

This is so true. Just like my Elliott

2006-06-25T16:41:00.002-12:00

More Benji

2006-06-25T16:41:00.001-12:00

awwww

2006-06-25T16:41:00.000-12:00

Look at that. he can do that to me anytime any place

2006-06-25T16:40:00.000-12:00

Ok i got a new tv obsession. Benji from So You Think You can Dance

2006-06-24T04:39:00.000-12:00

There's a Sidekick 3!!!!

2006-06-04T12:42:00.000-12:00

Jenny Lo shoes. Gorgeous.

2006-06-04T12:40:00.000-12:00

The back view of it

2006-06-04T12:38:00.000-12:00

Another cute cute dress.

2006-06-04T12:37:00.001-12:00

Back view

2006-06-04T12:37:00.000-12:00

Look at this beautiful dress from Ms Jenny Lo's clothing line. Love it.

2006-06-04T10:54:00.000-12:00

Cute skirt.

2006-06-04T10:42:00.001-12:00

And this cute little top.

2006-06-04T10:42:00.000-12:00

Have I shown yall these shorts. I love them.

2006-06-04T10:39:00.000-12:00

I miss my baby girl. For many reasons -all of which are financia- I no longer have her. I no longer have anything. Very ghetto. Working on it though. Meanwhile look at my baby girl. I miss her so much. Her name was Boogie. I can't even begin to tell you how it makes me feel. It's horrible.

2006-06-04T10:35:00.001-12:00

And a cute little Kansas one.

2006-06-04T10:35:00.000-12:00

Isn't this cute.

2006-06-04T10:25:00.001-12:00

Check out the crush's muscles. Hot hot hot.

2006-06-04T10:25:00.000-12:00

And another. Oh but he's one of those guys that likes blondes.

2006-06-04T10:21:00.000-12:00

Happy Birthday Ange.

2006-06-04T08:25:00.000-12:00

Latest Eva pics. She looks stunning. I'm off looking for more now.

2006-06-04T08:12:00.000-12:00

Here's my latest. PCD. I love all their songs so far. I love dancing to them.

2006-06-04T08:07:00.000-12:00

awww. its aubrey from making the band. this was like last week i think. theyre soo cute. look at how hot her hair looks. nice.

2006-06-04T02:42:00.000-12:00

I love this dress. Ugh I'm getting chubby guys.... I need to lose some weight.

2006-05-30T18:00:00.000-12:00

I always wanted a sister. I desperately wanted a twin. i sure could use one right now.

2006-05-30T17:58:00.000-12:00

this is so my life. always drama

2006-05-30T17:56:00.000-12:00

i love this.

2006-05-30T16:46:00.000-12:00

SVU was my fave. Awwww. Go Purple and White!