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October 2008

10/20: Lordy Mercy
To say I am tired is an UNDERSTATEMENT. I am here in spirit, even if not in words. I'm still waiting for the adjust ment to begin, and 6 weeks later I'm still hurting. It would help if I got...
Filed under: 2nd Job, 3rd Job, Daily Jabber


September 2008

09/10: Here we go
So, I should be in bed now, but here I am. To sum up the last few weeks. I took 2 weeks off from Job #2 (now #3) to get away, I was burning out and I had planned to...
Filed under: 2nd Job, 3rd Job, Bonus Monies, Budgeting, Credit Card Repayment, Daily Jabber, Household Bills, Loans, Savings


August 2008

08/25: Deep Sleep
On and off, I slept almost 10 hours last night. Then I took a 2 hour nap this afternoon. So now I'm up. But nof for long, I have orientation tomorrow and training starts Tuesday, I guess I'm just resting...
Filed under: Daily Jabber

08/20: Feeling Normal
For the first time in err...7 months, I feel normal. I think the two weeks off from job#2 was not only a long time coming, but is finally sinking in. The last 3 afternoons I have done nada. Matter of...
Filed under: 2nd Job, 3rd Job, Bonus Monies, Daily Jabber

08/18: Yessssssssssssssssssssss
When I go "blog-silent" I have somthing major going on in the offline world. I got another J-O-B! which will now be the main job #2 and current job #2 will move into job #3 status. It's been a LOOOONG...
Filed under: 2nd Job, 3rd Job, Bonus Monies, Daily Jabber


July 2008

07/20: Progress Report - Month 6
Two months str8 being on time, and 3rd time proves to be the charm in breaking that record. Anyhoo, lets get to the meat and potatoes: Here is where I was 6/8/08: Here is where I am as of 7/8/08:...
Filed under: 2nd Job, Bonus Monies, Credit Cards, IRS, Loan Repayment, Loans, Monthly Mission, Monthly Progress Report, Student Loans, Target, Taxes, Wamu Visa


June 2008

06/18: Decison to make or not
So I get bal trans checks for 1.99 APR thru Feb 2009 from my paid in full Wamu Visa card. I'm not sure if I should bite. The credit limit on that card is $1k and right now, it doesn't...
Filed under: Credit Cards, Daily Jabber, Target, Wamu Visa

06/16: 3 out of 4
- Numbers don't lie, finally did a budget and um, yikes! - Lean months are coming - Going back to school?? - Taking a step back to see what I have accomplished so far Tackling the remaining topics I left...
Filed under: 2nd Job, Bonus Monies, Credit Cards, Daily Jabber, Facing Fears, Fears, Motivation, Personal Story, Tips, True Confessions

06/12: Promises, promises
Back in May I said there were a few topics I was going to tackle in coming weeks: - Compound Interest is kicking my ass - Numbers don't lie, finally did a budget and um, yikes! - Lean months are...
Filed under: Credit Card Repayment, Credit Cards, Daily Jabber, Grrrr, Target, True Confessions

06/09: Ouch
Ok, so last week I mentioned I was going to start posting (eventually on a daily basis) my spending, down to the penny. It'll reveal a lot about me and unfortunately as I transcribed all spending from MS Money to...
Filed under: Daily Jabber, Facing Fears, Spending Patterns, Tale of My Debt, True Confessions, Weekly Wrapup

06/08: Progress Report - Month 5
Twice in a row being on time, not too shabby. Ok, let's get to it. Here is where I was 5/8/08: Here is where I am as of today:...
Filed under: Capital One Gold, Credit Cards, Loans, Monthly Mission, Monthly Progress Report, Plans, Student Loans, Taxes

06/02: Just about caught up
One thing is a given, if I'm not posting, it's b/c I'm offline working as many hours as possible, which has been the case for the last 4 weeks. May was a rough month, I had my car tags due,...
Filed under: 2nd Job, Daily Jabber


May 2008

05/08: Progress Report - Month 4
Suprisingly ontime this month, considering the fact that every fiber of my being hurts, but I'm off tomorrow so it's all good right? Here is where I was 4/8/08: Here is where I am as of today:...
Filed under: 2nd Job, Bonus Monies, Budgeting, Capital One Gold, Credit Card Repayment, Credit Cards, Daily Jabber, IRS, Loans, Monthly Progress Report, Plans, Student Loans, Taxes


April 2008

04/30: Not gone, just beat
I hate neglecting the site but debt calls. I had a stint of working 9 days in a row in Job #2, all a blur now, then one day off, then 5 days on and now the month is over....
Filed under: 2nd Job, Daily Jabber

04/06: Progress Report - Month 3
Doing this 2 days early b/c I'm scheduled to work EVERY FREAKIN NIGHT this week...*ahem* Here is where I was 3/8/08: Here is where I am as of today:...
Filed under: 2nd Job, 3rd Job, Bonus Monies, Capital One Gold, Credit Cards, Daily Jabber, GA Taxes, Grrrr, IRS, Loan Repayment, Loans, Monthly Mission, Monthly Progress Report, Paid Off, Paying, Stressed Out Over, Student Loans, Target, Taxes


March 2008

03/18: Balanced
Whew, just finishing balancing MS Money. As much as I love that pgm, I HATE balancing it, more specifically, my daily bank acct, it's a pain to track all those transactions from my debit card. Plus, I'm tired. Bone tired....
Filed under: 2nd Job, 3rd Job, Bonus Monies, Daily Jabber

03/12: Progress Report - Month 2
Had I posted this on the 8th, my mood would be very diff't. I'm in a pretty big funk lately. Things are NOT going good on the home front, I'm tired, I feel myself getting depressed. I started doing some...
Filed under: Auto Loan, Capital One Gold, Credit Cards, Daily Jabber, GA Taxes, IRS, Loans, Monthly Mission, Monthly Progress Report, Old Navy, Paid Off, Personal Story, Target, Taxes


February 2008

02/27: Job #3
Ok, I've been offline for about 2 weeks b/c...I GOT ANOTHER JOB...#3 that is. It's been a process to say the least. Long story short, as I was exiting previous job#3, I was already putting my feelers out and had...
Filed under: 2nd Job, 3rd Job, Bonus Monies, Daily Jabber

02/11: Doh
I remembered why I initially lumped all debts in one, ie ga taxes + existing cc debt, b/c i needed the mental boost of paying off the smallest debt. the way i redid it last night, on a whim by...
Filed under: Fears, GA Taxes, Grrrr, IRS, Taxes

02/10: Progress Report - Month 1
Re: my cat, the grief is still there, but I'm feeling bette. We are looking into becoming a foster home for cats/kittens that need nurturing. Doing that in a way to guard my heart from what happened, not ready for...
Filed under: Auto Loan, Capital One Gold, Capital One Visa, Credit Card Repayment, Credit Cards, Daily Jabber, GA Taxes, IRS, Juniper, Loan Repayment, Loans, Monthly Progress Report, Old Navy, Orchard Bank, PayPal Buyers Credit, Student Loans, Target, Taxes

02/01: Hurt Heart
No talk of debt today. My 3 month old kitten died Thursday after a bad reaction to anesthia while getting neutered. I'm so numb and so hurt, I can't think, I'm barely eating, I just want to sleep and not...
Filed under: Personal Story


January 2008

01/29: Final Day!
Yeeee Hawwww, my last day @ job #3, I'm off the next 2 evenings, I think tomorrow I'm going to the movies and just veg out for a few hours and Thursday, I'll sleep the minute I get home. Tonight...
Filed under: 3rd Job, Bonus Monies, Daily Jabber, Taxes

01/23: One week to free
It was sooooooooooooo hard to go into Job #3 yesterday. I was tempted just to not show up, but I have a final check to get friday and tuesday ends the pay period. So I said fine, I won't show...
Filed under: 2nd Job, 3rd Job, Bonus Monies, Daily Jabber

01/17: Thinking outside the box
On a rare night off, my first in almost 2 full months I think, though I did go into Job #3 to cover them for an hour, I just spent some time updating MS Money, it's sooooo much easier when...
Filed under: 2nd Job, 3rd Job, Bonus Monies, Daily Jabber

01/15: Your message has been sent.
5 words has never sound any sweeter. The resignation letter is done and I feel TONS lighter!! Hurrah....
Filed under: Daily Jabber

01/13: Walking Away
53k in debt and I'm about to turn in my 2 week notice to Job #3 tomorrrow....why??...
Filed under: 3rd Job, Bonus Monies, Daily Jabber, Facing Fears, Fears, Grrrr

01/10: Bigger Breakdown
Now that I've taken a chunk of my overall debt and spread it out over a 5 year period of repayment, I have to stay proactive and keep it front and center 24/7. I realized last spring/summer as the credit...
Filed under: 2nd Job, 3rd Job, Bonus Monies, Credit Cards, Facing Fears, Loans, Taxes

01/08: Site is current
Ok, got everything current as far as stats and charts, once a month on the 8th, the chart in the far right will be updated. I'll also post a monthly recap that'll break out the debt by who I owe...
Filed under: Facing Fears, Fears, Site Related, Taxes

01/07: Full Disclosure Part 1 - The Credit Cards
In an effort to be 100% transparent and honest to myself, for the rest of this week I'm going to spell out exactly how much I owe, it burns me up I don't know my state taxes yet, where applicable,...
Filed under: 2nd Job, 3rd Job, Bonus Monies, Capital One Gold, Capital One Visa, Credit Card Repayment, Credit Cards, Daily Jabber, Old Navy, Orchard Bank, Paying, Target, Taxes

01/05: I Resolve
To be 100% DEBT FREE by January 1st 2013. ******** New year, new start and all that good stuff. I spent this week doing the hard work and by hard I mean taking pen to paper and reflecting on my...
Filed under: Budgeting, Credit Cards, Daily Jabber, Fears, Plans, Scared to Death, Stressed Out Over, Taxes, True Confessions


December 2007

12/27: Catching up with me
As much as I hate to admit, the long hours are starting to take a toll and I woke up this morning feeling the oh-no-I-may-be-getting-sick kinda icky. Gonna flush my system w/vitamin C and cold eze for the rest of...
Filed under: 2nd Job, 3rd Job, Bonus Monies, Daily Jabber

12/10: Can't Sleep
I should've known better than to balance my finances right before bed. My mind is reeling. I avoided even looking @ my money from about the end of Oct till today and totally up all I spent, on what I...
Filed under: 2nd Job, 3rd Job, Bonus Monies, Credit Cards, Daily Jabber, Facing Fears, Fears, Loans, Personal Story, Scared to Death, Stressed Out Over, Tale of My Debt, Taxes, True Confessions

12/09: Plum Tired
I can't even begin to describe how exhausted I am. I think I am beyond tired. LIke I don't feel tired, just weary and it hasn't even been that long w/the 3rd job. I can't even look ahead to see...
Filed under: Daily Jabber


November 2007

11/25: Third Gig
I got another job. Bonus bucks to the person who can answer the following riddle. How do I manage to work both p/t jobs 4 days a week (8 days a piece?)...
Filed under: 2nd Job, 3rd Job, Bonus Monies, Daily Jabber

11/05: No more teases
Firstly, I'm sorry to leave so many hanging entries. I don't mean to be a blog tease. What happens is, I end up writing a really long post and the rest of the story is even longer and I don't...
Filed under: Daily Jabber


October 2007

10/30: Taxes Update
Just a quick update on my taxes. Spoke to the outstanding W2 and it turns out there is a software problem. It won't open the CD and it's been almost 3 weeks now. Then I spoke to my EA and...
Filed under: 2nd Job, Daily Jabber, Taxes

10/23: Thrown off
I mentioned a few weeks back I am now working for another company (job #1/main gig). Well they cut checks days later than I normally get paid. Instead of the 15th and the end of the month, it's now the...
Filed under: Daily Jabber

10/22: 2nd Gig
I got a 2nd job!!! Not sure why I'm as excited as I am b/c life as I know it will cease to exist, but it's part of my larger game plan of getting out of debt. I realize I'm...
Filed under: Daily Jabber

10/15: Signed, sealed, delivered
Over the weekend I faxed out my signed returns to my EA. Today I got one more old W2 and still have one more on the way. I checked Fed-ex tracking and he got the package today. Tomorrow I'll fax...
Filed under: Daily Jabber, Taxes

10/11: In the meantime
I called the 2 W2's I'm still waiting for, one had his computer replaced and couldn't use the new one just yet, hopefully that'll get sent out in a few days. The other, b/c the W2 is over 5 years...
Filed under: Daily Jabber, Taxes

10/10: Two out of Three
Ok, got an old W2 in today, still waiting for 2 more. My (I'm not sure what to call him he's an enrolled agent so let's just call him that) enrolled agent, EA for short, went ahead and filed the...
Filed under: Daily Jabber

10/05: On Hold
Since making the call, I'm in a bit of a holding pattern, as all we are doing right now is gathering info. I have 3 W2's that are being mailed to me and am hoping to have them by next...
Filed under: Daily Jabber

10/02: Made the call
Yesterday, after months of being in denial and avoiding the inevitable, I finally made the call to get someone to help me out w/the IRS. Can I just say, once I spoke to someone and didn't feel judged or insulted...
Filed under: Daily Jabber, Facing Fears, Fears, Scared to Death, Taxes

10/01: Caveat
The other day, I mentioned going forward I'll be in full disclosure, that hasn't changed, I still will. However... In some, if not all cases, it may be a few days or even weeks after the fact. Why? It's hard...
Filed under: Daily Jabber


September 2007

09/29: Never Again
Note to self: Never EVER EVER download MS Money transactions thinking it'll "save" time. It's taken me hours to undo the damage from last night. I was thisclose to getting my Wachovia account balanced and had the bright idea to...
Filed under: Daily Jabber

09/28: Made & Accepted
Update on the job situation, I got an offer earlier this week and accepted. I'll no longer be w/my company and will now work for the company that won the contract. I'm sad to see my employment end, it was...
Filed under: Daily Jabber

09/26: 18 hours later...
...and I'm STILL getting my accounts up to date. Geebus. That'll learn me to never let them lapse for 3+ months. But there are a lot of bright sides to this exercise. For one, I'm REALLY looking @ my finances....
Filed under: Daily Jabber

09/25: Long Overdue
I was going to start this post off getting into why I've avoided updating MS Money (not to mention this site) by saying, I don't know why I constantly procrastinate doing this, but... and realized I'd be starting this post...
Filed under: Daily Jabber, Fears, Scared to Death

09/24: No news
Ok, on the job front, literally it's coming down to the wire. I HATE being in limbo, which is why I haven't blogged much in the last few weeks. I much rather have the situation play itself out and then...
Filed under: Daily Jabber

09/11: Other shoe has dropped
A few weeks back I mentioned I was having job related stress. Today it was announced, via email, my company didn't win the bid. Last day of the contract is the 28th. I pretty much feel @#$#$@#!...
Filed under: Fears


August 2007

08/28: Out of Control
The last 20 days have been hectic, I'm still living out of boxes, we just got the bathroom finished about a week ago and the kitchen is an empty shell. Other than that, it's all good ;) Moneywise hovever, it's...
Filed under: Daily Jabber

08/08: Moved in
I'm in. Posting will be light for a few more days, computer is barely plugged in and theres only dial up (booo!) plus there is sooooooooooo much to be done in the house, getting online is a luxury. This weekend...
Filed under: Daily Jabber


July 2007

07/22: CLOSED!
We closed...we closed...we clooooooooooooooossssed!! Everything went smoothly on Friday and I think we just collapsed in exhaustion the rest of the weekend. No I lie. We went to IKEA to price appliances and get ideas for decor...lol...what can I say,...
Filed under: Daily Jabber

07/17: T-minus 4 days
Been a bit distracted w/the pending move. The closing is on Friday. I am so ready to MOVE OUT, I can't think str8. Right now the plan is, my mom will be down here on Thursday to meet w/the contractor...
Filed under: Daily Jabber

07/08: So Tired
I'm so tired of fighting, and most stuff hasn't even hit the fan. Tonight the landlady comes to tell me, not only does she want me to put my stuff in storage, @ my expense, so she could show the...
Filed under: Daily Jabber

07/05: Closing Date
July 20th @ 2PM! Whew!!! Considering I just vented my recent stress as it concerns housing, I was very very elated to get the news this morning....
Filed under: Daily Jabber

07/03: Housing
Yea, this topic warranted it's own new category ::rolls eyes:: Funny how fast things change. 24 hours ago, I felt like I was on the cusp of being homeless by the end of the month, now it feels like, though...
Filed under: Daily Jabber, Fears, Personal Story, Scared to Death, Stressed Out Over


June 2007

06/30: Gone, but not forgotten
I'm going to make this quick, b/c I'm heading out in about 10 mins and this site's been on my mind, or my lack of being here the last month. I'm not sure where things stand on my big debt...
Filed under: Daily Jabber, Fears

06/24: Wants/Needs Challenge
[This post will sit at the top until June 24th. Please scroll down for new entries.] For the next 30 days May 26th to June 24th, I am going to log every penny I spend here and classify it either...
Filed under: Financial Challenge, Wants vs. Needs

06/03: Scary Debt
Looks like the chickens are coming home to roost. @ some point this week, I need to deal with the Scary Debt I never discussed in detail, just vaguely alluded to (here, here & here). Scary Debt has thrown a...
Filed under: Daily Jabber, Fears, Grrrr, Scared to Death


May 2007

05/23: Blew It
Not in a big way...just the whole, track every penny I spend way. Going out of town & my mom coming to town threw me off in a big way and I shouldn't have let it. That's part of the...
Filed under: Daily Jabber, Financial Challenge, Wants vs. Needs

05/14: Where I've Been
As mentioned before, I am looking for a house. Last week, I promised to update my daily spending @ the end of the week. Didn't forget or lose track. Let's just say, from Saturday to Sunday, about 8 hours total,...
Filed under: Daily Jabber

05/09: Streamlining
Naw, I didn't forget to post my daily spending. Weekends are crazy for me. What I'm going to do for the rest of the challenge is post my numbers once a week. Most likely one of the weekend days....
Filed under: Daily Jabber, Financial Challenge, Wants vs. Needs

05/07: Shock and Awe
Yet another topic I left hanging, forgive me for being a bad blogger. Anyhoo, shock and awe repayments, all it means for me is, rather than immediately make a payment, I keep it squirreled away in my savings account until...
Filed under: Daily Jabber

05/04: Day 3
Daily Spending Report 5/3 Groceries: $17.10 - Want - Ok, I'll call this a want, even though it's food, technically a need, for the next few days to keep me from eating out. It's mainly a want b/c I did...
Filed under: Budgeting, Financial Challenge, Wants vs. Needs

05/04: Q&A
Wow, my first chance to give advice...roflmaoooooo @ me giving financial advice...hey stranger things have happened, so here goes: Julie asked: My fiance and I would like to dog our way out but don't know where to start. How did...
Filed under: Daily Jabber, Tips

05/03: Day 2
Daily Spending Report 5/2 Soda: $.75 - Want - I am a BIG water drinker, but all week have had trouble sleeping, leaving me to feel so groggy in the afternoon. I had a lot to do and when it...
Filed under: Budgeting, Financial Challenge, Wants vs. Needs

05/03: 3 Bucks Back
Last Friday, I went to my bank to withdraw my rent (the landlady prefers cash over checks). On Monday, as I was doing my weekly balancing act, I noticed they withdrew $408. Not the $405 I actually got. Problem was,...
Filed under: Daily Jabber

05/02: Day 1
Daily Spending Report 5/1 Lunch: $6.75* - Want & Need - I had food to eat, but laziness took over and I bought food outside Drink & Dessert: $7.50* - Want - Again, I had water, I just wanted juice...
Filed under: Budgeting, Financial Challenge, Wants vs. Needs

05/02: Loose Ends
Ooopsie, I totally forgot about that cliffhanger last week. Thanks Sara ;) I had said: - May deadline to pay off the car is fast approaching, will our wily debt fighter (ermm that being me) meet her payoff date goal??...
Filed under: Daily Jabber

05/01: Wants/Needs Challenge Take 2
Let's try this challenge again shall we? Going out of town and a general cloud of craziness truly threw me for a loop. So today, May 1st, thru May 30th, I am going to track my daily spending and record...
Filed under: Daily Jabber


April 2007

04/23: Back in town
Last Tuesday I had to visit my mom in SC, I got back late last night w/a splitting headache I woke up w/today. It was that bad. In other news, my daily tracking is still going strong. I originally planned...
Filed under: Daily Jabber

04/14: Unbelievable
So last night I got online to pay my monthly bills, when I get to my cell phone bill from Verizon. Last 2 months, something about the bill was off, but I couldn't put my finger on it. As I've...
Filed under: Grrrr, Household Bills

04/13: Loan Repayment Month 2
I update my loan repayment progress on or around the end of the month. Here's the debt chart from Jan 07: (I missed updating in in February) Here's the loan progress chart from Feb 07:...
Filed under: Auto Loan, Loan Repayment, Loans, Student Loans

04/11: Need Routine
Earlier this week, I finally got around to balancing up all my accounts. Whenever I put it off for a few weeks, I dred doing it, but when I get it done, I feel such a hunk of relief and...
Filed under: Daily Jabber, Fears, Scared to Death, True Confessions

04/07: New House
One thing I forgot to mention in my last update was I'm house hunting, not house buying...BIG DIFF!!...lol My mother will be moving to ATL w/in a year or so and rather than have me continue to pay rent, which...
Filed under: Daily Jabber

04/04: Yikes!
I didn't realize it's been so long since my last post. Sorry about that. Things are just CRAZY in the debtfreerenee household. I'll be moving in about 3 months, so looking for a new place to live is Job 1....
Filed under: Daily Jabber


March 2007

03/19: Like Whoa
So, a few weeks back. Geico sent me an email asking to check my credit score. If it was favorable, I *may* be eligible for a lower rate. Figuring, welp, I gots nothin' to lose, why not? I gave them...
Filed under: Daily Jabber

03/14: So Confused
Ok, this is really a no brainer, but I spent a lot of time over the weekend going back and forth on this. My next pay off target. First I said the William and Fudge student loan, then I decided...
Filed under: Daily Jabber

03/09: There is a connection
So, I was just tallying up my end of month accounts to update the debt chart and had to log into my credit cards to see the damage. And damage there was. Like I said before, nothing I couldn't handle,...
Filed under: Daily Jabber

03/05: Current, I hope
Ok. For the zillionth time, I synched up MS Money to factor in interest. I *thought* I did it right before and realized in February, the Direct Student Loan account was showing a payment via my checking account, but in...
Filed under: Daily Jabber

03/04: Nyet Worth
Nope, that's not a typo. I haven't updated this category in the longest. Truth be told, the ginormous debt chart on the right is enough to remind me of the hole I'm in, I don't need to rub my nose...
Filed under: Net Worth, Site Changes, Site Related


February 2007

02/27: Loan Repayment Month 1
Now that the credit cards are paid in full, the poor little monthly progress chart is empty, well not for long....
Filed under: Auto Loan, Loan Repayment, Loans, Site Changes, Site Related, Student Loans

02/26: The Debt Trap
My story/experience falling into Capital One's Credit Trap. A few years back having fallen on hard times, Capital One and Orchard bank for that matter, were the only people offering me credit cards. The first one I had w/Capital One....
Filed under: Credit Cards

02/23: Backslid
So I got a bit spoiled this month. Nothing too bad or out of control, but I ended up using the money that would've gone towards paying off the car loan ASAP on...stuff....
Filed under: Credit Cards, Daily Jabber, Plans

02/21: My Heroes
Now that I've gotten a better grasp on how interest is working on my loans and have come to the cold hard reality I owe *gulp* more, I find mucho hope & motivation in the following article: Huge debts, paid...
Filed under: Motivation

02/19: Every penny counts
Recently, I got an email telling me a payment from an old thingy I did was made. In the whopping amount of $1.58. :O That, coupled w/my windfall are being promptly applied to the principle on my car loan. B/c...
Filed under: Auto Loan, Bonus Monies, Daily Jabber, Loans

02/16: Where am I?
Just like my weight, the totality of my debt can be so overwhelming I can't see the end in sight. There are moments where I feel like I'm cruising along, making progress, don't have too far to go. Then… I...
Filed under: Daily Jabber

02/14: 104.29
Reaching the recent milestone of becoming credit card debt free, and before tackling the next hurdle of debt, my loans. I said before I'd reward myself every step of the way for a job well done. Admittedly, I went a...
Filed under: Daily Jabber, Motivation

02/12: Offers Rolling In
Two weeks ago, I read how Capital One preys on people who are near the limit on their credit cards, by offering them, even more credit cards. Cap One's Credit Trap By offering multiple cards, the lender helps land some...
Filed under: Credit Cards

02/08: I owe, I owe
So, a few weeks back, Robin in Savannah asked me about my car loan. For some reason, that question stuck in my craw, and while I put it on the back burner so I could focus on paying off the...
Filed under: Auto Loan, Grrrr, Loan Repayment, Loans, Student Loans

02/06: A bit at a time
So it was/is really hard for me to clear out monies to pay off my credit cards. I knew I'd do it, but I was very reluctant. I much rather have the money sit there so I can look @...
Filed under: Credit Cards

02/05: Got It!
Just checked my account and got the $5.47 credit. Also called to cancel, again. May this merry-go-round finally cease....
Filed under: Credit Cards

02/02: Credit Card Repayment Month 4
I originally stated Going forward, I'll update my monthly progress after the 15th. All my statements end the end of the month and the two capital one cards ends around the 7th. Being that my credit cards are now paid...
Filed under: Capital One Gold, Capital One Visa, Credit Card Repayment, Credit Cards, Orchard Bank


January 2007

01/31: What I Saved
Curious to see what my savings would be over the course of paying off my credit card debt, I used CNNMoney.com's trusty debt reduction planner calculator. Say that 5 times fast. ;) First up, if I pay the minimum of...
Filed under: Bonus Monies, Capital One Gold, Credit Cards, Paid Off, Snowballing

01/29: Of course they did
So you know the PeoplePC account that was cancelled ? And how easily I was told by Jan that there will be no further charges…and the only charge was from December sounded too good to be true right? You know...
Filed under: Grrrr

01/26: Cancelled
For some reason, I kept forgetting to cancel people pc. Could be b/c I'm back @ home and not dialing in. Also could be b/c I have no phone and my cell signal is bad so I remember @ night...
Filed under: Daily Jabber

01/24: Revisiting 10%
Nearing the end of credit card debt, I need to revisit my 10% debt snowball plan of attack to see where I'm at in order to get where I want to be. My end goal is to be 100% debt...
Filed under: Daily Jabber

01/22: No, really, back online
Let this serve as a test entry! Update @ 11:40: YaY! All is working. I also took the time to fix the archives, which weren't showing up. Sorry netscape users, I see some misalignment here and there. It'll have to...
Filed under: Site Related

01/22: Back in Business
Whew, that was short. My hosting company helped me out by finding the incorrect permissions and I can post again. Mercy me, let installing this version be worth it by ending that comment spam foolishness for once and for all....
Filed under: Site Related

01/21: Upgrade Test
I just upgraded to Version 3.33 of Movable Type, testing to make sure entries & comments post okay. Hopefully this'll put an end to the comment spam I continue to get hit with....
Filed under: Site Related

01/18: Executive Decision
When I went on 2 week vacation, I updgraded my current 3 out/$17.99 Netflix rental plan to 8 out/$47.99. My mother doesn't have movies w/her cable and I knew we'd be home watching HGTV ALL. DAY. LONG. I got a...
Filed under: Daily Jabber

01/16: Sonofagun
Over the holiday, I took my computer w/me. My mother has DSL and there is a wireless connection in her area which I was able to tap into every now and again. Needing to work online, it conked out more...
Filed under: Grrrr

01/16: Not too bad
I predicted the car repairs would run me $800. They actually set me back......
Filed under: Daily Jabber

01/11: No longer a factor
So one of my plans when I pay off the Capital One Gold Card, is to turn my attention, and debt snowball, towards the next highest debt. Right now that position is just about tied by my Toyota Car Loan...
Filed under: Auto Loan, Capital One Gold, Daily Jabber, Loans, Student Loans

01/08: Spotted
Driving home last week, I spied a billboard for Dave Ramsey that said, "Live Your Wage!" It made me think that he didn't say live your salary. Good motto to have this year....
Filed under: Daily Jabber

01/05: That was quick
Comments have been open what? 2 - 3 weeks? and I'm already getting slammed w/comment spam? *sigh* Where is the woodwork that these roaches crawl out from? And where I can get a can of comment Raid? Anyway, for the...
Filed under: Site Related

01/02: Happy New System!
What? You expected a special greeting for 2007? *snort* Anyhoozle, after tallying the total debt for the end of the year, I realized, my system of posting it here is way to complex. So, I'm going to start up something...
Filed under: Daily Jabber


December 2006

12/30: Money Plans
Where is all that money going? I didn't even count other pending payments, I will when they clear, so what I physically have will go to pay down on the Capital One Gold card. It really sux I have major...
Filed under: Daily Jabber

12/29: True Windfall
Unlike that faux windfall, of which I am still OMG ROFLOL WTF?-ing about, I did manage to net some serious coinage during the month of December, and in almost all cases, all I did was ask....
Filed under: Bonus Monies, Daily Jabber, Facing Fears

12/28: OMG ROFLOL WTF?
I'm away on vacay, actually @ my mom's house, so posting will be light till the new year. Not much to update anyways, I did all my payments, even rent, super early. But, while I'm off the credit card crack...
Filed under: Daily Jabber

12/22: Comments Open
As promised, comments are now open. I'm a financial newbie, be gentle :)...
Filed under: Site Related

12/21: Almost Done
I only have 3 *major* expenses left for the Capital One Gold card before my sole transactions will be payments. I got the oil & filter change done: $49.39 2 new tires: $269.14 I still need to get the cat...
Filed under: Daily Jabber

12/20: Finally!
I got answers to my invisible statement from Capital One and pending deposit to my bank account....
Filed under: Daily Jabber

12/17: Inspiration
This blogger paid off $19,794.23 in about 2 years. Her closing post on the blog radiates such a light spirit of being out of debt. Man, I crave for that day to come. In the mean time, I am working...
Filed under: Motivation

12/15: Credit Card Repayment Month 3
I update my credit card progress on or around the 15th. Here's the debt chart from November 06: Here's the credit card progress chart from November 06:...
Filed under: Capital One Gold, Capital One Visa, Credit Card Repayment, Credit Cards, Orchard Bank

12/14: Early Gift Number 3
*squealz* I got another gift!...
Filed under: Capital One Visa, Paid Off

12/13: So frustrating
Capital One visa is playing games. I noticed the week I was paying it off, it took for-freaking-ever from them to credit my account. Any other time, as long as I paid before 3, it ws credited the same day....
Filed under: Grrrr

12/10: Robert Orben
"Life was a lot simpler when what we honored was father and mother rather than all major credit cards." - Robert Orben lol...
Filed under: Quotes

12/06: Early Gift Number 2
The gifts just keep on coming in......
Filed under: Paid Off, Target

12/05: Early Gift Number 1
A beautiful thing to log into my account and see this......
Filed under: Orchard Bank, Paid Off


November 2006

11/30: 1106 Networth
Hrmm...I miscalculated my total debt. Don't know how that happened, head hurts too much to figure out what went wrong. Could be b/c I didn't have all the loan amounts in. In any event here's what I'm working with: 48,270.59....
Filed under: Net Worth

11/29: More Rewards
Here are the 5 DVDs I'll reward me with when all 4 credit cards are paid in full My reward for paying of Williams and Fudge + Toyota, Sex and the City - The Complete Series (Collector's Giftset). For the...
Filed under: Daily Jabber, Motivation

11/28: Open for business
Having this site up for well over a year, I've stayed away from comments. Trust me, I get quite enough on my other blogs. Plus, money is a touchy subject. I didn't want to get nagged over a poor financial...
Filed under: Site Related

11/27: Check yo' mail fool
So before I dusted off this blog, I was going thru a bit of a black funk. On my other blog, I got a lot of feedback after posting the need to step away from writing for a while. I...
Filed under: Daily Jabber

11/26: Sallie Mae
Yet another debt I don't wanna get into. Just cuz I'm finally fessin' up to it all, doesn't mean I want to gab about it *pouts*...
Filed under: Loans, Student Loans, Tale of My Debt

11/25: Will Rogers
"Too many people spend money they haven't earned to buy things they don't want, to impress people they don't like." - Will Rogers So freakin' true! Be careful this holiday season folks....
Filed under: Quotes

11/24: It is Done
I've done the deal. As of today, I've paid off 3 credit cards: Target Orchard Bank Mastercard Capital One Visa I may not have been ready, but I bit the bullet and got it done. What does this mean in...
Filed under: Capital One Gold, Capital One Visa, Credit Cards, Orchard Bank, Paid Off, Target

11/22: Direct Loans
Ah...even more student debt to record. What fun. NOT!...
Filed under: Loans, Student Loans, Tale of My Debt

11/21: Toyota
Another "adult" debt, car loan. I have a 2003 Toyota Corolla. Long sordid story, my first car died and permanent death. I then got a 2003 Toyota Echo. On the way to work, in a fluke accident, it was totalled....
Filed under: Auto Loan, Loans, Tale of My Debt

11/20: Williams & Fudge
Now that the credit cards have been 'splained, lets move on w/the more adult debt, loans. Boo! First up, we've got Williams and Fudge. This student loan got me my degree a few years back....
Filed under: Loans, Student Loans, Tale of My Debt

11/19: Now is the time
There's no value in resenting what must be completed. Just get it done, and then there will be nothing to resent. Don't waste your time worrying that something will go wrong. Just get started, and cross each bridge as you...
Filed under: Credit Cards, Facing Fears, Fears, Orchard Bank, Target

11/18: Capital One Gold Card
Here's where the credit card debt gets scary, it's in the thousands. See Target, Capital One Visa and Orchard, all gives me a sense of, it's not that bad, it's under a grand. Then I see this card, and want...
Filed under: Capital One Gold, Credit Cards, Tale of My Debt

11/17: Orchard Bank Mastercard
Following Capital One Visa, is my Orchard Bank Mastercard. According to their site, I've been a Valued Cardmember Since 2001. Bwah! Anywhoo, another card I came periously close to paying off, till I lost my damn mind. They also raised...
Filed under: Credit Cards, Orchard Bank, Tale of My Debt

11/16: Ready, but not ready
I interrupt this regularly scheduled whinefest to admit the following, at this very moment, I have the funds to pay off 1, maybe 2, credit cards. And I'm scared to death.*...
Filed under: Fears

11/15: Credit Card Repayment Month 2
Going forward, I'll update my monthly credit card payoff progress after the 15th. Two statements come in @ the end of the month and the two capital one cards comes in around the 7th. Here's the credit card progress chart...
Filed under: Capital One Gold, Capital One Visa, Credit Card Repayment, Credit Cards, Orchard Bank, Target

11/14: Capital One Visa Card
Continuing the tale of my debt, next up we have Capital One Visa. Hmmm...I've had this card for about 5 years now. Credit limit started about $500 and is now, $950. Meh. If you've read this blog for more than...
Filed under: Capital One Visa, Credit Cards, Tale of My Debt

11/13: Target Card
Kicking off the series of "what my debt is" posts, I present you my Target Card. By far my favorite store in the whole wide world, alongside IKEA, Old Navy & The Gap. Target is my first credit card in...
Filed under: Credit Cards, Tale of My Debt, Target

11/12: New Feature
Gleaned from aonther blog, in one of the columns, I'm going to list out my debt, to match the overall chart. The diff is, it'll link to the actual debt and when there's been a payoff, I'll update the sidebar...
Filed under: Site Related

11/05: Backwards on purpose
Ok, earlier I alluded to some unavoidable major expenses: - car - pet healthcare - personal healthcare - educational* (optional) I'm going to do something that's temporarily a huge step backwards. Charge some of it....
Filed under: Daily Jabber

11/04: Plan of Attack Pt 4
Here's how long it'll take to pay off all my debt if I not only paid the minimum, but I snowballed it, translation, rolled it over to the next debt. Snowballing the Minimum Payoff - File Size 28kb...
Filed under: Daily Jabber

11/03: Plan of Attack Pt 3
Here's how long it'll take to pay off all my debt if I not only paid the minimum, but I snowballed it, translation, rolled it over to the next debt. Snowballing the Minimum + 10% Payoff - File Size 27kb...
Filed under: Daily Jabber

11/02: Plan of Attack Pt 2
Here's how long it'll take to pay off all my debt if I paid the minimum. It's a rough overview as I didn't get all anal and include interest over time. The numbers above the Account Name is the minimum...
Filed under: Daily Jabber

11/01: I have an idea
Hmmm..sorry about the cliffhanger from yesterday. Something is up w/my posting on this blog, I'll try to get that taken care of. Tomorrow I'll get into my plan of attack. But a brief segway, driving home this evening I had...
Filed under: Daily Jabber


October 2006

10/31: Plan of Attack
This week'll start a series of post on my 10% snowball plan of attack. I was going to make the spreadsheet into a img, but a PDF works better. This way you can see a few things: my debt if...
Filed under: Daily Jabber

10/30: Reward Me
I know, I know, negative 40g's net worth, and I'm already looking for a reward. Indulge me... The seminar I attended earlier this month made a really good point. You can't, or shouldn't, live your life in misery when paying...
Filed under: Daily Jabber

10/29: Credit Card Repayment Month 1
No time like the present to dust off an old category. Let's all hope this go round, I make it longer month 8 eh? AND I don't relapse...*snort* Bringing this monthly feature back, I've also revamped the chart. Included on...
Filed under: Capital One Gold, Capital One Visa, Credit Card Repayment, Credit Cards, Orchard Bank, Target

10/28: Feeling hopeful
Life is funny. Truth be told this started off to be the worst month of my entire life. It's all a blacked out blur and I was, still am to an extent, feeling overwhelmed, anxious, depressed and hating my life...
Filed under: Daily Jabber

10/27: MS Money Honey
*doh* I cam smack myself up the head sometimes. I spent one night this week plugging my numbers into MS Money. I don't know why I've resisted it so, it thrills my inner accountant....
Filed under: Daily Jabber

10/26: Tally Ho
Welp. I took the dare. The grand total whopping monstrous unbelievable stupendous enormous gigantic debt I owe isssssssssssssssssssssssssss...
Filed under: Net Worth

10/25: Whatever you resist, persists
In two areas of my life, money & weight, I fight tooth and nail w/the concept of budgeting and calorie counting. For so many years it's felt restrictive, miserable, boring, like a punishment. I'm now coming to the terms that...
Filed under: Daily Jabber

10/24: Do I dare?
Add up ALL my debts? Add the loans and such to the chart to on the left? It seems dishonest to say debtfreerenee.com and only list 5gs in credit card debt. That's not the total picture and due to fear...
Filed under: Daily Jabber

10/23: That was quick
Man, what a day. I'm ready to go back to bed already. Went to CCCS this AM. Put it like this. I got there late, 10 after 8. Went to the bathroom, met the counselor and was back in my...
Filed under: Daily Jabber

10/20: These 3 Goals
I have an ambitious goal this month, to go from 4 credit cards to ONE! Paying off: Target, Orchard Band and Capital Visa. I have a few more returns to knock out this weekend and by nex t Wednesday, the...
Filed under: Credit Cards, Daily Jabber, Facing Fears, Fears

10/19: Git-R-Done
In this case, the R stands for "Returns". All week long, I've been clearing out the Renee household of things, never used, to take back. One credit card alone was over $100! And that was just furnishings from IKEA. I...
Filed under: Daily Jabber

10/14: Flitting Away
Ok, I mentioned I went back in my last 3 months of statements to get averages on my expenses, I found something very disturbing, which @ the time, I just shrugged off, and while I'm not beating msyelf up about...
Filed under: Daily Jabber, True Confessions

10/12: Bit the Bullet
Man, this has been a rough week emotionally. I didn't get a chance to attend the workshop on Generation Debt yesterday, honestly, I was just way to depressed. I can't even recall all that's been going wrong, but I took...
Filed under: Daily Jabber, Facing Fears

10/11: Getting Closer
Man on man, only b/c I like numbers and money, my grandma used to call me Money-ca...lol, is why it's not too too bad. My budget is nearly complete. I got all the monthly expenses, the exact amount I bring...
Filed under: Daily Jabber

10/09: An Eyeopener
Keeping it moving, I printed out my banking statements from 3/16 of this year to present. I've been focusing on the last 3 solid months of statements, granted they are a bit skewed towards high spending as I moved twice...
Filed under: Daily Jabber

10/07: Feeling Motivated
I'm not sure how long it'll last, but I do know where it came from. I'm starting to feel empowered again. It really helps to see my debt for what is is, only money. I know "only money" sounds trite,...
Filed under: Daily Jabber

10/05: One Step Further
After giving the good news/bad news, I drummed up the courage to see the final tally on the student loan (I have others) I am currently paying and my car loan. My hair didn't turn completely gray, which meant I...
Filed under: Daily Jabber

10/03: Good News/Bad News
It'll take me a little longer to get back in the habit of posting here. Bad news first, I'm in more debt than a year ago, I think. I can't make myself *really* crunch the numbers. But...the better news is,...
Filed under: Daily Jabber

10/01: Still Here
I can't even bring myself to see how outdated the site it, the fact that there were cobwebs on the login screen was hint enough *sigh* Long sordid story made short, I paid off 2 bills came close to paying...
Filed under: Personal Story


July 2006

07/10: Be a Star
Well...be on national tv @ least. I got an email last week and offered to post the same offer here for anyone interested....
Filed under: Site Related


June 2006

06/29: So Tired
I haven't posted here in a while due to the move, things went from promising, to pretty ok, to very bad to downright horrible. I'm tired of running and hiding, I am making an appt w/cccs for help on dealing...
Filed under: Scared to Death

06/16: Spoke too soon
Is it really savings? Remember the other day, I Whoo Hoo'ed about saving on my car tags in insurance? Methinks that celebration'll be short lived....
Filed under: Daily Jabber

06/12: More Savings
Okay, I can KICK myself for having not signed up for this sooner, but as the wise Maya Angelou always says, "You did then what you knew how and when you knew better you did better" I signed up for...
Filed under: Savings

06/08: Savings Galore
One of the perks of moving is, I had to update my car registration for the new county. I don't know if this is done in other states, I know it's not done in NYC, but each year you pay...
Filed under: Daily Jabber, Savings

06/04: Sneak Peek
Quick pop in to update a bit of life news, I'm MOVING! Starting mid June, I'll be living w/my aunt, which will bring a HUGE relief on my walled and also means I can pay of some bills mucho faster....
Filed under: Daily Jabber, Facing Fears, Plans, Student Loans


May 2006

05/30: Credit-Card Issuers' Problem: People Are Paying Their Bills
Another kudo for us debt busters... The credit-card industry has a problem: Although Americans are deeper in debt than ever, they are paying off bigger portions of their monthly credit-card bills. For card issuers, which profit by collecting interest on...
Filed under: Credit Cards

05/25: Consumers Ditching Their Credit Cards
Like an abused spouse who finally makes the decision to leave, consumers are ridding themselves of the credit cards that have sapped their finances for years. The trend is driven by a combination of exploding gas prices, increasing interest rates,...
Filed under: Articles

05/21: Just for kicks
I hate debt, but love crunching numbers. I was curious to see how much interest charges I've saved by paying off both capital one cards so soon. In other words, instead of by October when the first plan was to...
Filed under: Credit Cards

05/17: Credit Card Repayment Month 8
Jeebus, 8 months? Has it really been that long? Well let's get too it shall we... Here's the debt chart from April 06: Now for May of 06:...
Filed under: Capital One Gold, Capital One Visa, Credit Cards, Orchard Bank

05/14: One step forward, 8 steps back
I guess this is why I'm not a good debt blogger, when I get a financial kick in the gut, I want to crawl under my covers and hibernate. Last week I got a few such swift kicks....
Filed under: Grrrr, USI Energy

05/01: Halfway point reflection
It hit me, I'm in such "pay it off, pay it off pay it all OFF!!" mode, I can't see the progress I made. It feels like I'm still stuck on the debt wheel, and in the grand scheme of...
Filed under: Personal Story


April 2006

04/28: The Orchard Tale
I keep forgetting I promised to tell the tale of why Orchard goes up or down so little each month. I confess, I use the card. *sniff* Bu--bu--but...not to charge up lavish gifts and such...noooooo! First of all I'm too...
Filed under: Credit Cards, Orchard Bank, Personal Story

04/25: Bonus Monies Defined
Not that I've been asked, but if I visited this blog, I'd wonder, what the heck is this "bonus monies" she keeps saying she's "tossing @" her debt. Well, I'm vague for a reason, I'm jinxy and the monies isn't...
Filed under: Bonus Monies, Creative Sales, Found Money

04/22: Credit Card Repayment Month 7
Not only am I timely, I'm early this month ;) Mannnnnnnnnn...I can NOT wait to be done w/these credit cards, I'm gettting so close...so very close.... Here's the debt chart from March 06: Now for April of 06:...
Filed under: Credit Cards

04/12: Most beautifullest pic ever!
Going from this To this No? Ok, how about from this to this Still no? Fine. Nothing can top this...
Filed under: Credit Cards

04/10: Oh well
The strange tale. Well, I had 2 interested parties for online sources that didn't pan out. Those are the breaks, you win some you lose some. In both cases, once I replied, the party didn't get back to me. Now,...
Filed under: Bonus Monies

04/05: Credit Card Repayment Month 6
A much more timely update than last time ;) Here's the debt chart from February 06: Now for March of 06:...
Filed under: Capital One Gold, Capital One Visa, Credit Cards, Orchard Bank

04/03: Overpayment transfered
YESSSSSSSSSSSSS!! Oh and Happy April by the way :). That overzealousness in capital one visa has been righted. There was no ghost interest sitting waiting to scare me, so I called up the rep, I won't even get into how...
Filed under: Capital One Gold, Capital One Visa, Credit Cards


March 2006

03/24: Lost and found
So I ended up passing on the 2nd source of online income...it wasn't quite worh it. I know I know your prolly thinking *SLAP* your are in debt do what you gotta do, but trust me, it wasn't worth it....
Filed under: 2nd Job, Bonus Monies, Plans

03/22: Smart ass
So mastercard is running a commercial to make your own priceless ad. I saw a commercial about it and I had some thoughts on what would be priceless to me, granted it may not win me any of the prizes:...
Filed under: Daily Jabber

03/13: Money Hungry
Heh, I must really appear to be a money grubber, since losing the contest, I haven't blog. True enough the motivation went away, but I'm still here. I have a few things I'm juggling, a new source of online revenue,...
Filed under: Daily Jabber

03/06: The Coin Project
In various corners of my apt and my car I have fistfulls of coins. One weekend this month I'm going to gather them all up in my red Piggy Bank and take them down to my credit union. I'll take...
Filed under: Bonus Monies

03/02: New links
Last weekend, since I've been dusting off the keyboards to blog here more regularly, I found a few new links that's been pointing to me so I added them to my blogroll/resources section. I always like finding new sites, not...
Filed under: Site Related

03/01: Orchard increase
$703.20 down from 11/14/05 to today. One of the reasons the Capital One cards are so easy to focus on, is I don't use those cards @ all. Matter of fact, I don't even know where they are. I either...
Filed under: Credit Cards, Orchard Bank


February 2006

02/28: Repayment Plan
Here's where the snowball starts picking up some steam. I was paying $25/month to the Capital One Visa card, I'm going to roll that over to the Capital Gold card where I've been paying $35 a month, even though the...
Filed under: Capital One Gold, Credit Cards, Snowballing

02/27: Mo' money
As I try to win a trip to Vegas, or the prize $ I haven't made up my mind what I'll pick yet, may as well enter another online contest. BlogParty is a new network of sites and they're running...
Filed under: Bonus Monies

02/27: Credit Card Repayment Month 5
Been a few months since I updated this puppy, but that doesn't mean I haven't made any progress. ;) The last time the debt chart updated was in November 05 and it looked a little sumthin like this: Here's how...
Filed under: Capital One Gold, Capital One Visa, Credit Cards, Orchard Bank

02/26: The Big Pay Off
I'm so giddy about this I'm queasy and am getting a dull headache. After finally tallying up all the monies I netted from the last few months, I have enough to pay off the balance on the Capital One Visa...
Filed under: Capital One Visa, Credit Cards, Paid Off

02/25: Oh so close
Just did a quick calculation of all the extra monies I netted in the last month and I'll know for sure tomorrow but it looks like I have enough to pay off the capital one card. *squeals* I need to...
Filed under: Credit Cards

02/24: Dammit
Totally forgot to post yesterday...pfft!...I've been beat the last few days, lots of offline stuff going on. Plus I have an idea for not 1 but three new websites. I've been sketching out content and costs, if any, some I...
Filed under: Daily Jabber

02/22: Long day
Not much to chat about, I'm beat. I'm supposed to write out my repayment plan for my capital one visa, but I can barely keep my eyelids open....
Filed under: Daily Jabber

02/21: Yikes
I've been so caught up in working on my other sites, I almost forgot to post today...*whew* Yesterday I promised to reveal my 2nd source of xtra loot....
Filed under: Daily Jabber

02/20: 2nd gig
Yesterday I teased that I have another source of extra loot. All of which is going to pay of the capital one card w/the lowest amount owed. It's also part of the reason I haven't had much time to update...
Filed under: Credit Cards

02/19: Pay off day a coming
Next weekend I'm going to sit down and tally up all the extra money going towards credit card #1. That card has about a 400 balance and I'm excited to see how close I've come. Tomorrow: where I got the...
Filed under: Daily Jabber

02/18: Been so long
Yowza! I didn't mean not to blog for almost 2 months. I've just been crazy busy. I'm going to revamp this site and the new version should be ready to go in March and by then I'll have more regular...
Filed under: Daily Jabber


December 2005

12/16: Bad news Good news
First the bad news, I'm shutting down this blog. But the good news is, I saved a ton of...lol...j/k....I'm actually going to move it to blogspot. I don't post nearly enough to justify the hosting and will instead use this...
Filed under: Daily Jabber


November 2005

11/29: My bad
Man, leave this site for a few days and all hell breaks loose. Long story short: one of my scripts stopped working, ended up screwing up my error logs, maxing out my bandwidth, a site with about 10 visitors a...
Filed under: Site Related

11/17: Too much
Sometimes I go way over board my ideas, any given moment I have like a 100 thoughts going thru my head on how to tackle my debt. Luckily, I made a comprehensive list back in October and planned out month...
Filed under: Daily Jabber

11/16: Problem Solved
After getting a phone call last night, I'm now leaning towards partnering w/the network and have made up my mind. I'll do it....
Filed under: Daily Jabber

11/15: Very interesting
Well, I got approached by an up and coming blog network to do some sort of partnership with them. I told them I'd take a few days to think it over since it has it's pros and cons....
Filed under: Daily Jabber

11/15: Wallace Wattles
"The grateful mind is constantly fixed upon the best. Therefore it tends to become the best. It takes the form or character of the best, and will receive the best." - Wallace Wattles...
Filed under: Quotes

11/14: Credit Card Repayment Month 2
Good news on the repayment front, though I skipped updating the graph for two months, more b/c I was avoiding this site than anything else, but I've made a bit of a dent. Now, the last time you saw the...
Filed under: Capital One Gold, Capital One Visa, Credit Cards, Orchard Bank

11/13: Starting anew
I tried to come up with all sorts of ways to write this post to meet the guidelines for the Carnival of Debt Reduction I just joined. I read earlier carnivals, furrowed my brow to come up with some witty...
Filed under: Daily Jabber

11/11: The possiblities
Ok, I started the $100 investment experiment this morning and guess I may as well track my projects here. My first project requires 5 people. I just emailed them the info and am waiting for them to complete the first...
Filed under: Bonus Monies

11/10: Thomas Edison
"There's no substitute for hard work." - Thomas Edison...
Filed under: Quotes

11/10: Holy Moly
In a little over 24 hours I got 57 replies to my ad posting! I just replied to everyone explaining what it all entails and what the requirements are, so now I just wait to see if that weeded anyone...
Filed under: Bonus Monies, Daily Jabber

11/09: More like me
So, yea, there are others out there, just like me, in debt blogging their way out. Spent some time tonight setting up a blogroll of personal finance bloggers and financial links and resources. Tomorrow I'll have news on my $100...
Filed under: Site Related

11/08: Twists & turns
If I learned nothing else in the last week, I now get the whole, life is unpredictable concept. Last month was very sucky when it came to money. I know I need to update the cc payment chart *sigh*. I'll...
Filed under: Daily Jabber

11/04: Moonlighting
On and off I’ve toyed w/the idea of getting a 2nd job. You’d think I’d jump @ the chance to do anything to pay off my debt, but I’m reluctant. I had a 2nd job and even though I only...
Filed under: Daily Jabber

11/03: Get it already
So irritated, today I had to reorder check and it cost $16.95. I use check precisely once a month, to pay my rent. Everything else is done online, why the hell do I have to pay $17 for that? It...
Filed under: Daily Jabber

11/01: False tales
Of my site's demise is overrated. A month?!? Has it really been almost a month since I last wrote? Yeesh. More later. No not a month later. This weekend....
Filed under: Daily Jabber


October 2005

10/06: Burning both ends
I've been and burning both ends of the candle for the last 3 weeks and it's all caught up with me this week. Every afternoon/evening I've been crashing as soon as I get home and haven't had any energy to...
Filed under: Daily Jabber

10/03: Skating in
By the skin of my teeth to make my promised daily posting starting today. Rents due tomorrow and I'm slightly panicking about how on earth I'm going to swing $3+ gas, get food this weekend and make it till next...
Filed under: Daily Jabber


September 2005

09/26: Unacceptable
Ok, it defeats the purpose of having the site if I only frequent once a week, if that. Now I do have other projects I'm trying to get up and running which I'm hoping will help me financially, so that's...
Filed under: Daily Jabber

09/19: Sucks
Today is bill paying day in the Renee household and Renee is So. Not. Happy. Oh well, @ least I save money on postage stamps. [/end sarcasm]...
Filed under: Household Bills

09/11: Still here
The end of last month was really tight and despite having the blog to talk about what's going on, I tend to run and hide. *shrug* I have to fix one of my other sites, which take some time and...
Filed under: Daily Jabber


August 2005

08/29: Goalpost
I am down to my last 9 bucks (or less) after getting $10 of gas before prices go thru the roof. Geez, it's always something. It should be a consolation tomorrow is payday, but it's not. That money goes right...
Filed under: Daily Jabber

08/22: One week later
Nah, I wasn't avoiding this place, as if I could. heh I just got caught up setting up a few other websites. That's been taking up my spare time. But it's all to the good, b/c I'm hoping to earn...
Filed under: Daily Jabber

08/15: Month #1
8/15 - 9/15 Each month I'll outlay my monthly goals for the month. Each week I'll post a weekly wrap up highlight all the things I got done and noting any hiccups. All this is done as an attempt to...
Filed under: Monthly Mission

08/15: MS Money 2003
Ok, got it all set up and you know what? I'm still alive. *barely* It was painful. Why? B/c I have an overwhelming dread of how over my means I've been living. Not necessarily via credit cards, 2 of the...
Filed under: Daily Jabber

08/15: Not so bad
*groan* Okay, paid all bills to be current except for phone bill. Their site is down. And hey, if they dont' want my money, I'm not gonna force it on them ;) So just Bellsouth and I'll be current in...
Filed under: Current, Facing Fears, Fears, Past Due

08/10: Ugh
Just tried to make a phone call, verizon is forwarding me to customer service. *sigh* I knew paying one month later would catch up with me sooner or later. Today's the day. I'll get current on them this Friday. I'll...
Filed under: Scared to Death

08/07: Moving
Ok, I started this as an offshoot to my weight loss site, but the more I thought about it, I'm going to break it off and set up another domain. I can get one for under $5 and I have...
Filed under: Site Related

08/07: Finally
Ok, after a few redesigns, I settled on a good looking layout and trimmed some misc pages. Here on out it'll be really streamlined and basic. I just have to do the individual, archives & category pages and I'm all...
Filed under: Site Related

08/03: Almost done
Getting sub templates set up now....
Filed under: Site Related


July 2005

07/31: Site update #1
I've just finished a quick & dirty layout and am working out the MT kinks and getting the layout in place. It should take me the rest of this week to finish all the templates and I hope by next...
Filed under: Site Related

07/31: One at a time
It's easy for me to get overwhelmed @ the big picture. Where do I start, what do I do first. I'm trying not to freak out and let it paralyze me, so I'm going to approach this one debt @...
Filed under: Scared to Death

07/31: Intro
Welp, it's 7/31, no time like the present to freaking DO something about my debt. I'm going to spend the next week or so setting up this site and then using the finished product to document my adventures in fighting...
Filed under: Daily Jabber



graph updated on the 8th
last update: 07/20/08

Paying off smallest credit card debt with it's minimum payment balance + $500 snowball.