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Mid-week Check In

January 16th, 2013 at 09:53 pm

Still sick, but doing a lot better than the weekend.

My current job has bi-monthly pay periods. So I'm getting paid this week for the 1st-15th. After sitting down and calculating this paycheck and all the money I considered spent, I have a little left over. So, I am going to transfer $50 to my money market at the end of the week.

And, to keep up with my goal to get my credit card paid off... I decided to borrow on the rest of my line of credit $900 and added an additional $50 from my paycheck to pay down my credit card since the LOC has a lower interest. So now my LOC is at $5000 and my Credit card will now be below $7K. I know it's kind of silly to use one liability to pay for another liability. But, I figure the faster I am able to get the balance down the more money I'll save on interest.

Other changes I've been making have been eating at home. To be perfectly honest, once I had moved out on my own I decided that I hated cooking. Also, I work really long hours particularly during month end close, so it's was easier just to pick up dinner on the way home. I was eating out A LOT. Well, now with trying to get back on track, I've been working on eating what I have at home. I have been waking myself up earlier in the morning just so that I have time to eat breakfast, make my coffee and lunch before I head out the door. So far, so good.

I also plan to look at my monthly expenses and seeing where I can cut back.
I'll let you in on a little secret. Well, it's not so much a secret to the people around me. I have addiction to personal care items, like body soaps, shampoos and conditioners. I mean I have stock piles of products, it's actually kind of ridiculous and I probably should seek help. But, I told myself this year, I can't buy any new items UNTIL I FINISH my stock. I should be saving a lot of money right there. Smile