Debt: Obligation To Pay

Great New Blog

noreply@blogger.com (Debt: Obligation To Pay) — Tue, 05 May 2009 20:04:00 +0000

In doing my daily "blog" reading, I found another great financial blog, Rainy Day Pennies. In reading her blog, I came across a great article by Frugal Dad, The Recession-Proof Debt Snowball. It really got me looking at how I've been using my snowball payments.

Have a great day.
-OTP

Self Control

noreply@blogger.com (Debt: Obligation To Pay) — Mon, 04 May 2009 17:11:00 +0000

A few weeks ago, my desktop system at home died. Since that time I have had thoughts of buying a new system. I looked at ads, did some window shopping and I had pretty much convinced myself to buy one. You know, just put it on my Best Buy card. I did pay that off 6 months ago so why not…

Well, no matter how badly I want a new system, I just can’t see putting the cost on another credit card. So, I start the month of May by actually using some self control and walking away from “big” credit card purchase.
(Was it easy? Not really but much easier than having to “budget” out another credit card payment!)
Have a great week.
-OTP

What can I say?

noreply@blogger.com (Debt: Obligation To Pay) — Thu, 30 Apr 2009 15:31:00 +0000

At times I find myself being obsessed about my "spending" patterns, and I'm talking major "obsession" and then just out of the blue, that disappears and I'm back to not really knowing where my money is going and why....guess I need another shot of motivation!

I don't know how

noreply@blogger.com (Debt: Obligation To Pay) — Fri, 03 Apr 2009 15:49:00 +0000

but I finally reached my goal for my emergency fund. Now I'm working on a huge snowflake payment for the end of March.

Hope everyone has a great weekend!
-OTP

Wouldn't You Know

noreply@blogger.com (Debt: Obligation To Pay) — Sat, 28 Mar 2009 15:36:00 +0000

it never fails, the minute I decided that I'm going to have a no spending week, something comes up. My good friend just finished her degree so it was time to celebrate. Needless to say now I'm 40 bucks shy for my snowball payment. Oh well, what's a girl to do.

Have a great Saturday!
-OTP

No-Spending Week

noreply@blogger.com (Debt: Obligation To Pay) — Thu, 26 Mar 2009 15:04:00 +0000

Yesterday afternoon I hit the local Safeway store and bought my groceries for the next two weeks (I hope that's how long they will last me!). I walked out of the store $250 dollars lighter.

With that said, today starts the beginning of a no spending week.
I will keep you posted on how it's going!

-OTP

2009 Goal Update

noreply@blogger.com (Debt: Obligation To Pay) — Tue, 24 Mar 2009 16:00:00 +0000

Well, as of today, I'm 17% away from reaching my savings goal. Once that is complete, I'm going to start knocking out that debt!

Hope that everyone is having a great week.
-OTP

It's Been a Crazy 2 Weeks

noreply@blogger.com (Debt: Obligation To Pay) — Thu, 12 Mar 2009 14:11:00 +0000

I just don't know where the time has gone. Seems like I can never find the time to sit down and write a post. However, last night, I actually got my budget planner caught up and both accounts balanced. So now I'm trying to catch up on my posting.

I took on a project of painting my bedroom, and finishing up a project in my bathroom. So far, the total cost, is $154. I really can't complain bc that is for both projects.

I went a little overboard with shopping for "household" items, my goal for the next week, starting today, is not to spend anything. I'll let you know how it goes.

-OTP

2009 Goals Update

noreply@blogger.com (Debt: Obligation To Pay) — Fri, 27 Feb 2009 03:39:00 +0000

And yes, I'm a glad to say that I'm more than half way to reaching my emergency fund goal! And it's only February!

-OTP

Looking at everything now

noreply@blogger.com (Debt: Obligation To Pay) — Fri, 27 Feb 2009 03:13:00 +0000

After last night's webcast with Ramit, I find myself looking at things that I never considered as "big" things before.

I've pretty much decided that I am going to get rid of Comcast and look at DSL or other options. I feel that I'm paying way too much for their services, which besides internet are services that that I don't want or need. And trust me, getting rid of Comcast will definitely be a big thing.

On Monday, I plan on calling my cell phone service and cutting that back as well. I'll let you know how it goes!

Hope everyone has a great night!

Smart Purchase

noreply@blogger.com (Debt: Obligation To Pay) — Wed, 25 Feb 2009 18:33:00 +0000

I pre-ordered my copy of "I Will Teach You To Be Rich" by Ramit Sethi, and I'm very glad that I did. Why? Because I have the opportunity to get a sneak peek of the book and to become a member of the private community site. The site has numerous forums of advice and helpful hints as well as the availability of web cast by Ramit.

I got the first chapter on Monday, and since then I've actually used some of the negotiating tips and saved $35.00. So, I've actually covered the cost of the book, which was $16.47 (which included shipping, handling and taxes). I can't complain about that!

You should go purchase the book now!
Have a great Wednesday!
-OTP

Weekly Spending

noreply@blogger.com (Debt: Obligation To Pay) — Wed, 18 Feb 2009 03:57:00 +0000

Weekly Spending for the week of 9-15 February 2009
Monday - $9.01 (Pet Food)
Tuesday - $8.29 (Lunch & Java)
Wednesday - $22.27 (Dinner)
Thursday - $15.00 (Fuel)
Friday - $10.75 (Cocktails)
Saturday - $72.00 (Groceries & V-day Gift)
Sunday - $7.30 (Java)

Weekly Total -$144.62

Well, I definitely spent more this week than last. Mainly because of the holiday.
Maybe next week will be better!
-OTP

Weekly Spending

noreply@blogger.com (Debt: Obligation To Pay) — Tue, 10 Feb 2009 19:44:00 +0000

Weekly Spending for the week of 1-8 February 2009
Monday - $0.00
Tuesday - $15.00 (Dinner)
Wednesday - $31.11 (Groceries)
Thursday - $15.00 (Fuel)
Friday - $0.00
Saturday - $0.00
Sunday - $5.50 (Java)

Weekly Total -$66.61

Wow...I'm amazed that my total amount was so low. To be honest, all but $15.00 of it was on items that I could have lived without. What do you do!

-OTP

Weekly Spending

noreply@blogger.com (Debt: Obligation To Pay) — Wed, 04 Feb 2009 16:09:00 +0000

Weekly Spending for the week of 26-31 January 2009
Monday - $0.00
Tuesday - $35.54(Snacks for rehearsal)
Wednesday - $22.83 (Fuel and Java)
Thursday - $0.00
Friday - $0.00
Saturday - $132.58 (Household supplies, Pet Supplies)
Sunday - $7.00 (Snacks)

Weekly Total -$197.95

Who knew that pets could be so expensive! Just kidding.
-OTP

Weekly Spending

noreply@blogger.com (Debt: Obligation To Pay) — Mon, 26 Jan 2009 15:43:00 +0000

Weekly Spending for the week of 19-25 January 2009
Monday - $10.00 (Loan to Friend)
Tuesday - $24.61(Snacks for guest)
Wednesday - $0.00
Thursday - $17.00 (Fuel)
Friday - $120.25 (Birthday Present, Breakfast, Lunch,& Dinner)
Saturday - $43.00(Lunch for Mom & I)
Sunday - $13.62. (Breakfast & Lunch)
(Income- $60.00 - Payback of loan and overpayment of medicial bill)

Week Total -$168.48

Less than last week, let's hope this week goes better.
Have a great Monday!
-OTP

Managing Your Debt Software

noreply@blogger.com (Debt: Obligation To Pay) — Fri, 23 Jan 2009 00:19:00 +0000

In reading PC World, I came across an article that seemed to me to be very fitting for my blog. I thought I would pass it on to you.

As I said in a earlier posting, I use a program called, My Budget Planner. I really like this program and it only cost me $19. And I think it was well worth the price.

The program that is discussed in the article is free and maybe worth the time to go check it out. It's called, Accounts & Budgets Free. If you do...stop back by and let me know what you think!

Weekly Spending

noreply@blogger.com (Debt: Obligation To Pay) — Wed, 21 Jan 2009 06:00:00 +0000

Weekly Spending for the week of 12-18 January 2009
Monday - $2.17 (Breakfast)
Tuesday - $28.84(Purchase for home business)
Wednesday - $136.00 (Groceries)
Thursday - $0.00
Friday - $80.00(Loan to friend and weekend supplies)
Saturday - $35.00(Charity and Dinner)
Sunday - $40.00 (Charity and Groceries)

Week Total -$322.01

Okay, I didn't spend less than last week but it has help by being aware of where my money is going!

-OTP

I wish I had known that

noreply@blogger.com (Debt: Obligation To Pay) — Fri, 16 Jan 2009 00:25:00 +0000

I have several blogs that I read on a daily basis. One that I truly enjoy is Zen Habits. One of my favorite post is titled, "20 Things I Wish I Had Know When Starting Out In Life. It's one that always makes me laugh and think to myself, "I wish I had known that!".

Go check it out!
-OTP

Weekly Spending

noreply@blogger.com (Debt: Obligation To Pay) — Tue, 13 Jan 2009 15:33:00 +0000

Weekly Spending for the week of 5 - 11 January 2009
Monday - $12.40 (Book of stamps and a mocha)
Tuesday - $2.79 (Bagel)
Wednesday - $0.00
Thursday - $53.45 (Groceries)
Friday - $2.17 (Breakfast)
Saturday - $57.58 (Dinner and Groceries)
Sunday - $0.00

Week Total -$128.39

Hopefully this weeks spending will be much less than last weeks.
-OTP

My Budget Planner

noreply@blogger.com (Debt: Obligation To Pay) — Sat, 10 Jan 2009 05:15:00 +0000

This weekend I plan on setting up my budget in "My Budget Planner" software program. I have used this program before and for the time that I used it I was able to save up enough for a nice snowflake payment.

It's time for me to get back to using this program.
Wishing everyone a very safe and fun filled weekend.

-OTP

Spending Week

noreply@blogger.com (Debt: Obligation To Pay) — Thu, 08 Jan 2009 16:06:00 +0000

Looking over my budget, I have decided to keep track of all my "non-required" spending for the week and then see what I can actually trim to start working on contributing to my emergency fund.

Just being aware of not wanting to spend has actually made this week easier. Usually I would stop by Fred Myer on the way home to pick up a bottle of wine, and some "weight gaining" dessert. That hasn't happened so far this week! Yeah for the pocketbook and the waistline! (Double Whammy)

-OTP

Birthdays

noreply@blogger.com (Debt: Obligation To Pay) — Wed, 07 Jan 2009 16:37:00 +0000

I'm one to not really worry about birthdays and making it to celebrations, especially if I'm trying to watch my spending but when it comes to celebrating your parent's birthdays that's another story.

My Dad (actually he is not really my Dad but he is the closest I have to having one) turned 70 yesterday. And he wanted to go out for sushi. So I meet up with them for dinner and wonderful company.

He's my Hero. He was a professor at one of the colleges here in Washington. He taught accounting and was a CPA for a while. He has been retired for at least 4 years, and still keeps an eye on his money. I hope within the next 5 years, to get my finances in line so that one day I can do what he is doing. Enjoying retirement and not worring about "money"!

-OTP

No Spending Spree Delayed

noreply@blogger.com (Debt: Obligation To Pay) — Sat, 03 Jan 2009 21:13:00 +0000

Well, due to the forecast of more snow coming our way, I decided to hire someone to shovel my roof. The snow was almost knee deep and I was really concerned with the amount we were suppose to be getting.

I actually found someone who would do it for $200 dollars which is about a 1/3 less than what most people are paying around here. I figured spending $200 now is better than spending thousands later!

Hoping everyone is having a great Saturday!
-OTP

Happy New Year

noreply@blogger.com (Debt: Obligation To Pay) — Wed, 31 Dec 2008 22:45:00 +0000

Wishing everyone a Happy and Safe New Years!
Tomorrow is the beginning of a 14 day No Spending Spree!
Looking forward to seeing just how much I don't spend.

-OTP

Debt: Obligation To Pay

Recommended Read

Great New Blog

Self Control

What can I say?

I don't know how

Wouldn't You Know

No-Spending Week

2009 Goal Update

It's Been a Crazy 2 Weeks

2009 Goals Update

Looking at everything now

Smart Purchase

Weekly Spending

Weekly Spending

Weekly Spending

Weekly Spending

Managing Your Debt Software

Weekly Spending

I wish I had known that

Weekly Spending

My Budget Planner

Spending Week

Birthdays

No Spending Spree Delayed

Happy New Year