There has been some excessive spending here and there, but if I continue to cook, that will help me save some cash. I purchased a ledger, this should help me keep up with all of my finances. I can make this work.
Order for taking care of these bills, I sent in $200 today, the final payment will be mailed by the end of this month. The total cost is $464.
Directv $464
ADT $1064
Medical $900
Medical $574
Pay $200 everything month until they are all paid off. I did pay for my braces, no more payments on that. I paid for 2 months of storage. Not paying that bill after the end of this month. I have to do right by my finances. Plus, the property management is working out. The place has been rented out. All extra monies, put in a good place. I did sign up to do a outside yard sell. This will give me a chance to sell the candles, but the weather really looks bad.
I must not do wrong by the money, I keep saying that. I don't want to end up with nothing to show for what I had. I know I waste much, but I can't continue to do that. Overall, I feel good about where I am going and what is going on.
Things I've gotten rid of
Directv 140 a month
Caller Tunes
Braces paid in full 100 a month
Ancestry.com
Things I need to get rid of
Wireless card
Anyway that I can cut corners I will try, the only reason I haven't gotten rid of the home line is that it's connected to my security system.
Plus, I am going to take some time off from school and Sallie Mae has been calling and calling. Majority of my debt is student loans. When looking at my credit report, I really don't have bad debt. I do have a credit card with a $300 limit. Paying off the above debts would help my score much. My goal is to have at least a 650 credit score by the end of the year. I do believe that can be done if I keep putting money where it should be. As long as I owe, the money I make is not mine. In my mind, when I get ready to spend put that money toward a debt.
Paying off debt is very important to me and it may get obsessive. Have to have something to worry over.
Bills that I pay
mortgage
water
power
gas
Netflix
Hulu2
TMobile
The money that is left over should go to debt. Did I mention I am going on a trip this summer. I have to get this paid for soon.
I haven't been the best financial planner, I know, but I can and will handle this issue.
