About Me

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| BABY STEPS |

B1 = Baby EF $1,000 EF
B2 = Debt Snowball started
B3 = BIG EF (3-6 mos)
B3.5 = Save 20% for our 1st house
B4 = Invest 15% to Roth
B5 = College Fund for Kids
B6 = Payoff Mortgage
B7 = Build Wealth

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Credit Card Balances

CC01--$406--BofA
----Paid 9/18/09
CC02--$455--1st Prem
----Paid & Closed 2/20/09
CC03--$425--Cap 1
----Paid & Closed 2/27/09
CC04--$489--Orch 4
----Paid & Closed 2/27/09
CC05--$538--Orch 1
----Paid & Closed 3/27/09
CC06--$697--Orch 3
----Paid & Closed 3/27/09
CC07--$585--Credt 1
----Paid & Closed 4/27/09
CC08--$305--Best Buy
----Paid & Closed 7/29/09
CC09--$475--Orch 2
----Paid & Closed 9/18/09
CC10--$490--Cap 1
----Paid & Closed 9/18/09
CC11--$1,169--Kay
----Paid & Closed 5/29/09
CC12--$2,400--Dell
Loan--$2432 --American Gen
----Paid & Closed 5/29/09

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Medical Collection Accounts
these babies are old - but on the credit report. have to pay in order to get a home loan in the next year! Plus they ARE mine. :)

Paid today (10.5.09)
COL0 $118.00
COL0 $61.00
COL0 $7
COL0 $51

Left to pay by January
COL1 $55.00 - PAID 11/17
COL2 $59.00 - PAID 11/13
COL3 $69.00 - PAID 10/16
COL4 $92.00 - PAID 11/17
COL5 $118.00 - PAID 11/6
COL6 $200.00
COL7 $214.00 - PAID 11/17
COL8 $218.00
COL9 $220.00 - PAID 11/17
COL10 $232.00
COL11 $247.00
COL12 $449.00
COL13 $698.00
COL14 $753.00
COL15 $1,159.00
Total $4765.00
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Savings Goals
SOME SAVINGS ON HOLD TO PAY OFF REMAINDER OF BILLS. ONLY SHORT TERM and MID TERM ARE BEING ADDED TO.

Short Term (MMDA)
$300 / month for medical, clothes, tags, etc)

Mid Term (ING Savings)
$200 / month for replacement car, downpayment for house, vacation)
Goal = $1000 by 12/31/09

Long Term (ING Savings)
$100 / month for IRA and college accounts (3 kids)
Goal = $500 by 12/31/09

EmerFund (Credit Union Savings)
$100 / month for emergencies
Goal = $500 by 12/31/09

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A FICO Make-Over Story
There was once a girl who was married to a boy. They mis-judged and mis-used their credit for ten long years. One day, after everything was just about hopeless, they decided to turn their life around. This is a story of how a fun-loving couple in their 30s decided to become debt free, in order to purchase their first home for their three lovely children.

JJ's Scores

JR's Scores

The scores are lowwww and dirty! But if anyone can change it - these two can!

Follow their progress. The Scores will be updated every 90 days. Watch for the next update on 8.29.09. -UPDATE- Slight change, mostly upward!

**Thoughts on Mays Scores**
They are going UP! I cannot believe it! We are finally getting somewhere! How exciting!

My Pages

About Us

January - Spending Log

February 9th, 2009 at 05:42 am

Not pretty, but it is what it is.

click to make larger

Posted in Spending Log | 8 Comments »

8 Responses to “January - Spending Log”

mom-sense Says:
February 9th, 2009 at 05:56 am

Just wondering what your umbrella of "misc" covered?
JJ76 Says:
February 9th, 2009 at 06:40 am

I know, huh?

MISC Spending Log
1-Jan $3 Lotto
31-Jan $2,000 Truck (New Engine)
31-Jan $545 Eating Out

Everything got paid last month, we just didn't throw any towards the snowball, and that sucks.
Nika Says:
February 9th, 2009 at 08:25 am

Wow, your daycare is cheap! Is 2K a month in this area.
Car insurance is also amazingly cheap.
But bank fees?

I keep a spending log and like to look at other people's, so thanks for posting.

I try to eliminate "miscellaneous" category because it does not help at all to see where the money went. So I also keep a daily log of raw data so that I can always re-work the categories.

I have added many: car maintenance, gifts, parking tickets/fines, tolls, dry cleaning, grooming, sport, eating out(if you have not done it the entire month you have amazing willpower!)
Jaime Says:
February 9th, 2009 at 09:23 am

Nika,
My sister-in-law watches my 2 year old only 3 days a week. My husband has Thur, Fri, and Saturday's off. We are lucky! My other two children are 10 and 13, so no daycare for them. =)

Bank Fees... I know. It's the convienence of having the bank cover my mistakes until payday. They all get paid... but GULP, I looked at all of them from since Jan 2008... Over $1800. Never again. Man, my bank must love me.
Jaime Says:
February 9th, 2009 at 09:25 am

Oh, and our car ins. is for two full coverage vehicles. We finally have gotten to a point where the price is right!
Nika Says:
February 9th, 2009 at 09:41 am

You are so lucky to pay so little for car insurance. When my DH just got his license at 25 (NYC, so we did not need a car until he got a job in NJ) his MONTHLY!! payment with clean record and great credit score was $389 for a paid-for 8 year old sedan.

Now that he got a rolling stop ticket, his price has gone up, but we dropped full coverage and bare bones "liability only" is $240 a month on a paid-for now 10 year old sedan.

That is more than some people's car payments. In some parts of the country your insurance would be less than this if you had a DUI! I hate this.

I think your miscelaneous categories are not miscelaneous. They are "eating out" "car repairs/maintenance" and lotto tickets are "entertainment".
whitestripe Says:
February 9th, 2009 at 01:38 pm

good work on keeping track of things, but i agree with nika, you should have an eating out category and a car repairs category. those things are NOT miscellaneous!
Amber Says:
February 9th, 2009 at 08:10 pm

I second that, I would create an account for dining out as well auto expenses

No Pain | No Gain

No one ever said this was going to be easy.

January - Spending Log

8 Responses to “January - Spending Log”

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