Horrible

Okay so we are going to have to through the 12/15/06 budget out the window but to make a long story short the mechanic that fixed my car double charged me and went back and took the money. Horrible.

So now all my bills are now going to have to be dang near double paid in order for me to get back on track.

Here is my budget.

12/29/06

721 paycheck
30 savings

240 car note
500 rent

that pretty much all my money but.

I am going to be watching my neice for new years 20 bucks there.

Also the bank says that they will have a decision about the money on Jan 2.

So hopefully I will be getting my money back and I will then be able to do the following.

459.23 money owed to me.

220 light bill
100 prosper
50 AMEX
50 Tribute

Thats it for now hopefully this is the beginning of a better new year.

Happy New year everyone.

Update Unexpected Expected Expense

Okay so I really thought that the extra I was paying on my car note was for coverage on if I hit a car well guess what. Its not. So now I have to get liability which is still going to be cheaper then what they are trying to charge me for full coverage.

So unless my grandmother gives me an extra 100 dollars I will not be able to give my daughter a Christmas. No worries my family is awesome and they will make sure that my daughter has a christmas.

So here is my new budget.

634 (remember 30.00 is going into my emergency fund)
138 Child support


217 *light bill
79 car insurance
100 Prosper
220 Car note
93 To replace the sticker

*I actually went over my past bills and I am going to have to get my bill down and get rid of budget billing cause I am not using that much. I am paying 105 a month but my bill is only 66 a month.)

About me

Hi,

Okay so this is my first entry into this. I am going to be using this to keep track of how I get out of debtors hell without filing bankruptcy. I paid off alot of debt with a loan I recieved from Prosper but unfortunatly I got more companies and bills I owe that did not show on my credit report when I got the loan. I also so some income and unfortunatly it made me get behind and my hard work has once again become null and void.

So here is where I am right now. I am finally have most of my household bills back in order with the exception of my light bill (Georgia Power is killing me)and my phone bill. I am praying that everything will be back to normal as I begin the new years with a new goal this year. To get my credit score up by 75 points and get my debt down by at least 5,000. Also getting my one credit card down to a 0 balance.

So I hope people will tune in and read my little blog as I try to achieve my goal of becoming debt free.

So right now my income is the following:

1415/month (Pay check)
276/month (child Support)- I DO NOT COUNT THIS AS THE FATHER LIKES TO CHANGE JOBS so I will include this in the budget as a bi-weekly thing)

**PLEASE NOTE**
60 a month goes into a emergency saving account.

1415 Monthly

496 Rent
295 Car note/car insurance
35 phone
11 internet (cant get DSL need it though)
105 lights (that budget billing)
28 gas (i was excited about seeing that)
126 Prosper Loan
88 Amex
50 Tribute
100 comp.


Right now as of 12/10/06 here is what I have paid.

496 rent
25 (prosper loan)


Bills I will pay on 12/15/06

126 Prosper (trying to catch up)
295 Car note
218 Light bill (have to call about this they are saying my last bill was 210.00 theres no way)
100 comp.


I know that My daughters father has worked this past two weeks so I will be able to include the child support payment.

********************************************************************************
Bills I will pay on 12/22/06 (child Support)

29 gas bill
20 tribute
20 Amex

*********************************************************************************
Bills I will pay on 12/31/06

496 Rent
100 Phone (this is the first payment I had to pay fees to get it cut back on)
50 Amex
50 Tribute



I will post the results every time I get some money. I am hoping this will help me. Get my budget back on track and get to where I can begin working on my bills that I owe so that I may increase my credit score and begin on the path to my dream of home ownership.