Saturday, August 30, 2014

is there an app for that?

I love my phone. I'm on it a lot of the time and if I'm not on it then it's usually within arms reach. There are times when I'll just leave it in another room while I'm doing something but those times are few and far between.

This is my phone. Samsung Galaxy S5. I highly recommend it.

On my phone I have my apps divided into user friendly sub-folders: camera stuff, shopping stuff, music stuff, social networking, and money. I'm kind of OCD about how certain things are organized and my phone is not somewhere I skimp on that. (Take some time to organize your phones, people!)

In my money folder I have the basics:

Bank apps- I like to be able to look at my money quickly and transfer money around if I need to. I can also set it up to where I get text messages to notify me of: large purchases, low balances, or large deposits. I don't really use the text message stuff because I can just get on the app and see it all there. 

Discover app- I can check and see my balance and I can look at old statements to keep track of my FICO score. I can also redeem my cash back bonus and make payments which is swell.


In my shopping folder I have:


Checkout 51- This app is pretty rad and I think everyone should have it. Every Thursday the app updates a new list for the week and on the list are things you would get at the grocery store like bananas, tomatoes, eggs, milk... those basic items but also it has Scrubbing Bubbles brand cleaners, and all kinds of other stuff... So what you do is go to the grocery store and say you buy bananas, well you upload an image of your receipt and you click "bananas" (or whatever you bought that is on the list) and BAM they credit your Checkout 51 account with $0.25! Okay, a quarter is not much when you take into consideration how much your stuff costs but it's still cool because once you get $20 on your account you can cash out and they will send you a check! All for the extra 3 seconds it took to upload that receipt! I don't ever plan a list around the app but I will look at it when I get home and see if anything I bought made the app. 

Receipt Hog- This is my favorite one by far. In fact I'm going to take a moment to use it before I finish this post!...........................Okay, back to business! This is similar to Checkout 51 because you upload images of receipts but you can upload ANY receipt from grocery stores, liquor stores and gas stations and depending on the amount of the receipt they give you coins. Once you get 800 and something coins you can redeem that for different things. I've gotten up to 40 points for a receipt before. My coin total is at 575, I think. Not gonna lie, it takes a minute to get to the point where you can redeem but why not? My friends even give me their receipts now because they know it benefits me. Hahaha. And you get this cute little pig friend who gets fatter the more receipts you give him!



I also have a few "side hustle" apps that I haven't really started using yet, but I'm in the process of getting all that stuff together. 

I also use a couple websites.... ReadyForZero and Unbury.me
they are pretty handy as well! 

***Just so we are all clear, I AM NOT GETTING PAID FOR THIS. Just tellin yall how I work my magic. 






<div align="center"><a href="http://brokegirlrich.com/?p=1468" title="brokeGIRLrich"><img src="http://femmefrugality.com/wp-content/uploads/2013/08/FSS-heiti-TC.jpg" alt="brokeGIRLrich" style="border:none;" /></a></div>


Wednesday, August 27, 2014

september....

So September is just around the corner (for real??), and I have some goals that I am determined to accomplish.

I want to post on my blog 5 days a week. This part is gonna be hard for me to do but I'm determined to do it! (If anyone wants to guest post, hit me up!) 

I plan on tracking my spending again. For the entire month of September I am going to track my purchases and I'm going to post them on the blog for all to see. I've gotten to where I'm not really paying attention to what money is going where... and that is not okay!

My emergency fund is currently sitting at $400 (which is a pretty big deal since I had to use the whole $600 out of it last month when I was out of a job!). My goal is to get it to $1000 by the end of September. That means I'll have to put away $300 with each check, 2 checks in September would equal $600. Not gonna lie, it's gonna be tough for me to do but I'm gonna try my hardest. 

I would like to spend at least 2 hours a week working on my side hustle. My Etsy shop. That 2 hours could be spent working on merchandise or posting new merchandise, as long as it is side hustle related then it counts!

***Bonus goal***
Spend 30 minutes walking/jogging/being active at least 3 days a week. 

I'm going to have to be super organized about this for everything to work out, so I'll be working on my plan for the next couple days to make sure I stay on track and achieve my goals. 


Fingers crossed. 

Monday, August 25, 2014

i'm coming clean.

I want to be up front and honest with everyone who takes the time to read my posts. You may have noticed that sometimes I go for awhile without posting, it's not because I don't want to because I seriously think about my blog ALL THE TIME but sometimes I just don't have it in me.

So here it is.... something that yall may or may not know about me is that I suffer from pretty serious depression. My depression is considered clinical which kinda means it's a chemical thing in my brain. It has nothing to do with what is going on in my life and I could have the best life ever but I would still be unhappy. Of course I go thru times where I am happy and am able to have fun but other times it is a struggle. I've been to 2 different counselors and I've been seeing a psychiatrist lately but I just don't "click" with him so I'm in search of someone new.

When I get off at 4 I have often times come home and fallen asleep around 6 and I will stay asleep until my alarm goes off the next morning. In the morning when my alarm goes off it is the hardest thing ever for me to get out of bed and put effort into getting ready. I often go to work with my hair pulled back and no make up on and just feeling crappy. I know that if I took maybe 15 minutes to put on some make up and fix my hair then maybe I would feel a little better but it's easier said than done and I'm not sure that I have it in me.

This is something that I'm trying to overcome daily and even though it isn't something that will ever go away 100% I hope to have it under control soon.

So there you have it.

Sunday, August 24, 2014

meal prep isn't for everyone.

My attempts at meal prep have been a waste of money.

Image credit: Google via hellostrips.com



For two weekends in a row I spent a few hours on Sunday making food to take to work for lunch or to eat for dinner after work. Last weekend I made some BBQ chicken, a zucchini and squash stir fry with peppers and some turkey burgers. I am obviously making all this food with the best intentions and while I'm cooking I am thinking about how good this food is going to be when I get to eat it.

And then I pack my lunch bag for work and already nothing that I make sounds good anymore. I go to work, put my lunch in the fridge and spend the morning thinking that Qdoba sounds really good, or one of the bazillion other fast food places around my job. So I end up not eating what I brought (so wasting that money because my lunch is not gonna get eaten) and then spending $10 at Qdoba on food that I don't really need. So by the end of the week I am broke because I spent all my allowance on fast food and I've basically wasted all my groceries because that food isn't going to last. 

I will say that I did a lot better last week than I had done in the week before that. I went out to eat less and ate more of my food I made instead. All of that being said I don't think I do this whole meal prep thing correctly. So my new plan is that I'm going to make less food and I'm going to allow myself to eat out maybe twice a week. 

I'm definitely in need of some help with this topic. 

Wednesday, August 20, 2014

pet peeves part 4.

Do NOT walk up to me and just start blurting out your account number!- People do this like I know what they want, guess what? I have no idea what you want until you tell me! Chances are you are going to walk up to me and start saying your account number and first of all, I’m not on the right screen to pull up any information for you and just because you are telling me your account number right off the bat doesn’t mean I’m not gonna make you fill out the slips yourself. FILL OUT YOUR OWN SLIPS!

Don’t overshare- When you come to the bank please handle your financial business and then be on your merry way. I do not want to hear about the fact that your man is in jail and you had to pawn y’alls wedding rings and big screen TV to get him out. Also don’t start telling me that you’ve been drinking ALL day when it’s only 1 o’clock. I’m going to think you’re an idiot because you are drinking and driving and IT’S THE MIDDLE OF THE DAY.

Forms of identification- We have talked about this before: when I ask for your ID I am not only protecting MY job but I’m protecting YOUR money. When you come to my window and I ask for your ID please don’t make a fuss about it, that will seriously just make me hate you. Don’t tell me that you have been banking here since 1967, you know why??? I HAVEN’T BEEN ALIVE THAT LONG, LET ALONE WORKING HERE ALL THOSE YEARS! And last but not least DO NOT throw your ID at me. Seriously? Have a little respect and don’t be a jerk. I do not know EVERY SINGLE person that banks here and you throwing a hissy fit like a 3 year old is going to make me ID you every single time even if I know who you are.

I am seriously amazed at all the nonsense tellers have to put up with.

Monday, August 18, 2014

Guest Posting @ ShoeaholicNoMore.

Guest posting today, y'all.
............................................
I started my first “big girl job” close to 3 years ago. At that time I didn’t have debt other than my auto loan. When I first started I didn’t take my job as seriously as my co-workers. I was 21 and I didn’t know if I wanted to be in banking forever, it was my first teller job and it could be overwhelming at times.
A good 45% of the customers at my bank are seriously irresponsible with their money.
............................................
You know you wanna read the rest! Click here.

Thursday, August 14, 2014

tweakin the plan.

Tons of people in the PF community will tell you that you need to give your money a job. Not just set aside money for bills but also set a number for your fun money and stuff too. The zero based budget is an example of one where you assign EVERY SINGLE dollar and at the end of the month you should see a budget of $0. (Check out L Bee and the Money Tree, she wrote a short and sweet post about various budgets, the zero based budget being one of them.)

The one thing that I’ve noticed about budgeting is that budgets need lots of attention and almost constant tweaking. Kinda like a baby. What a weird comparison! Hahaha. You sometimes have to try lots of different methods before you find one that you like and can stick with (unlike babies). I have noticed that you can use a few different methods and make a custom budget, you could probably also trademark it and try to sell it and become a millionaire… Dave Ramsey, anyone?

I have been using the envelope budget for a bit and I really like it. Just to be clear I am not following the Dave Ramsey method per say, I’m kinda just making things up as I go along and putting cash in envelopes with labels on them… Well that’s pretty much what he says to do but I’m doing it the Spunky way not the Dave way. Anywayyyy, I like the idea of using cash but I’m not going to sugarcoat that shiz and tell you it’s a cake walk because that would be a lie. The hardest part has been the few weeks that I’ve been between jobs and pay schedules. My first pay check at my new job was not enough to fill up my envelopes (because it was only one week AND I didn’t get to work 40 hours that week).

I have decided to tweak the Spunky method a little bit and see how it goes. The new plan is that I’m going to give my different accounts jobs. This is something I have tried in the past and it didn’t really work but I don’t think I was all that motivated when I tried it. The reason that I’m doing this is that I’m just so tired of carrying all my cash around. I like the idea of using cash for “fun money” so I can know where it is going and for groceries so I have a set limit but as it is I am having to carry 2 wallets and it’s making my purse really heavy! As always I am definitely willing to hear any opinions you guys have on this subject. I have 3 debit cards that I plan on giving specific jobs….. the jobs are as follows: one is for doctor bills/pharmacy bills, one is for all other bills, and then one will be for auto related expenses like gas and oil changes and stuff.

The plan is that I will deposit money into those accounts when I get paid this week and then put the remainder of my money (minus my allowance-which will be in cash) into my savings account.  I’m hoping that this works out for me. Fingers crossed.
Messy Money

Tuesday, August 12, 2014

hustle, hustle real hard.

Side hustles.  Everyone has them.  Everyone but me.  So now I’m trying to come up with something that I can do to make some extra cash, preferably quickly but I doubt I’ll be that lucky. It seems like a lot of PF bloggers do freelance writing as a side hustle but truth be told, I don’t think I’m that good of a writer. I’ve read in dozens of places that you should do something you like/are good at so I’ve come up with a few different options…..:

Performing weddings- Bet you didn’t know I’m ordained! Haha. About 8 years ago my mom got ordained and started performing weddings. She made some serious cash! She would have people drive to the house and she would sign their papers and they would pay $50! There were lots of weddings where she would drive to do them and then she would charge $150+ depending on how far she drove. I haven’t done hardly any lately because well it’s hard with me working 8-5 because most of the couples we would get would want to come get their papers signed in the middle of the afternoon and I’m not available. I did marry a couple of my friends last weekend and they paid me $150. (which is going directly to my debt!) So I’m going to let my mom know that I’m willing to do more on the weekends and stuff if she gets any calls.

Selling on Etsy- I’ve always been really crafty for about as long as I can remember.  My mom and I would go to Michael’s craft store and buy seed beads and stretchy string and I would sit around for hours and make bracelets and necklaces all day.  My moms friends were usually amazed because I would sit still and do it for so long and I suffered from serious ADD so me being still was a “see it to believe it” kind of thing. During a pretty serious bout of depression sometime last year I spent a chunk of change at Hobby Lobby and the thrift store getting all kinds of stuff that I could decorate and bedazzle and just make pretty. I didn’t really make much progress but I still have all of the stuff and I was thinking about starting an Etsy store for what I make.

Selling purses/scentsy/AVON- I’m a natural born sales-lady.  I could probably sell ice to an Eskimo. Scentsy was really popular where I am for awhile but I don’t hear much about it anymore.  The intro package is like $100 but I think if I started selling it I could probably do a good job. I could also probably sell AVON or Mary Kay or the like but I don’t like to wear make up a lot so it would be harder to sell that. My mom recently found a line of purses that you can buy a sales package and sell them for a profit, the only downside to that is that it is SUPER expensive to buy the intro. The purses are something that my mom found out about and she said she is willing to front me the cash to do it if I would stick with it and stuff so I’m thinking about that.

So these are my current options… What does everyone think?

Monday, August 11, 2014

weekly plan #3.

Okay y'all. I'm back at it, with a little more credit card debt (my pay schedule being messed up but me in a bind) and a lot less emergency fund. But I'm not gonna dwell on it. I'm getting back on the horse and I'm coming up with side hustle ideas and I'm hoping to put those into play soon.

So here are my plans for the week:

1. Call about my 401k- Since I left my old job I have to do something about my 401k that I have thru them. I'm still trying to figure out where I should open my IRA which is kind of a lot to think about.
2. Catch up on my blog reading- Since I haven't been around the community lately I haven't read ANY of my favorite blogs (sorry guys!) and I miss reading and commenting.
3. Product knowledge for work- I'm at a new bank now so I need to learn the different products that we offer. Obviously it's pretty much the same as at my last bank but some of the accounts have minimum balance requirements and certain fees that I'm not familiar with yet.
4. List/Blog about my side hustle options- I value everyone's opinion and I feel like if I posted all my side hustle options I would get good advice about everything so look for that this week.
5. Spend some time on the budget- I get paid this week and it will be a 3 week paycheck so I am hopefully able to catch up and get back on track. Fingers crossed that I'll do well enough that I can soon start the "living on your previous paycheck" process.

Hope everyone has a good week!

Sunday, August 10, 2014

let me tell you about the time....

I had a customer give me a gift card to Victoria's Secret.
Really? Yes.

I remember doing a transaction for a guy once and while I was counting out his nasty money he was telling me that he wanted to take me shopping and asking me where I like to shop. I tried to skirt the topic and I told him that I shopped at the mall when I needed something. I finished up his transaction as quickly as I could and got him out of there.

Fast forward about a week or so......
Every Monday we had staff meetings in our drive thru area and this Monday started off just like any other. Got to work for the meeting, had the meeting, sat around talking to my co-workers for a minute and then I got my drawer out and went to my window in the lobby. It was about 8:45am and the lobby wasn't open yet so I had some time to get all my stuff together and get ready for the day. As I'm logging in to my computer I hear a man in one of the banker's offices and I remember I thought it was strange because we only had 2 male employees and I know that both of them were still in the drive thru. I ignored it and continued what I was doing until I hear the man say "Oh, there she is!! Can I give it to her?" I looked up and I see the same creepy guy who wanted to take me shopping, and he is now walking towards me with a brown paper sack. He then lays it on my counter, winks and walks away. Uhh what? (You might be wondering why he was there if the branch wasn't open yet, he had to close on a loan and that was the only time he could be there) After he was out the door I look up and my manager, assistant manager, 2 bankers and one of my male co-workers all crowded around me to see what was in the bag. Truth be told I didn't even want to touch the bag. But I did and I dumped the contents out on to my counter, it was a little scrap of paper all wrinkled up and written on with a pencil and a pink striped gift box that said VICTORIA'S SECRET. I remember being so weirded out that I couldn't do anything but laugh. On the paper he had written me a note that basically said: I was at the mall and I was thinking about you so I got you this. It's not much but if you will let me take you, I will give you more money to spend.  WHAT???? ARE YOU KIDDING ME????  We called and the gift card had $25 dollars on it, I was in shock.

He came in a few weeks later and had the balls to ask me did I spend my gift card and I said "yeah, I did. And the guy that I'm dating really enjoyed what I bought, so thank you." BAM, IN YOUR FACE! I thought it was pretty clever. Of course everything I told him was true but I can't believe I said it all with a straight face. After he left my boss came up front and basically said that if he comes back in that someone else needs to help him because she wasn't comfortable with the way he interacted with me. All I could think was "fine with me!"

Now all of this happened in Fall of 2013 and just a couple of weeks ago I was on the way to a friend's house and I stopped and got a pizza at Papa John's and I walked in and who do you think was back in the kitchen area making the pizzas? You're right, my weird stalker. He hollered up at me, "Hey! Do you work at the bank??" I looked away, got my pizza and left.

It takes all kinds.

Thursday, August 7, 2014

my apologies...

I kinda fell off the face of the planet for a minute. Every single day that I haven't been posting or reading everyone's blogs I've been thinkin about how I need to get back on here and on twitter.

All last week I was helping one of my good friends prepare for her wedding so when I would get home at night I would just pass out! Then on Monday morning I woke up with a nasty looking and painful spot on the inside of my left thigh. I knew what it was immediately and after work I went to the urgent care and had it looked at. MRSA. Don't google it because it's nasty. Since I noticed it so quickly I only have to take a week of antibiotics.

While adjusting to my new pay schedule I did have to get my credit card out because my first check was only enough to pay the bills that were due. I'm kinda miserable about that but the good news is that the next check I get will have 3 weeks of pay on it so I think I can get ahead again.

I decided to not turn my blog into a ".com".... yet. Its just not in the cards for me right now. I do however want to move to wordpress which I'm gonna start working on.

Sorry I vanished. Won't let it happen again.