Paying Off Credit Card

First let me say that I hated the earthquake that happened yesterday on the east coast. It was not a very fun experience. I honestly never ever thought that an earthquake would happen in Virginia so im sure people in California are laughing your asses off at us. Well har har har.

Moving on…
We moved in with the in-laws in February. We had too much credit card debt to be living in a large city paying so much in rent. Since we have moved in with the in-laws we have paid off $4,705 towards credit card debt. We still have $3,114 to go. We hope to move out of the in-laws by November or December. The question is…do we save money or pay down our CC?

We have to move out by the end of the year. We don’t have to, but we have to…get it? No one is making us move but we have to move for our own sanity. I love it there and I love his family. We are so appreciative of everything they have done for us! But we need our own space. We need to feel like a newlywed couple. We are losing so much of the alone time that you are supposed to be spending your first year because someone is always around. It’s hard to get a little night-time nooky when your little sister is banging on the door asking for toilet paper….yes that really happened. Basically we don’t have enough space or time together.

With that said, we are working on painting a house for a family friend. We will be finished by the end of the week and will be receiving a check for $2,000 for the project. What should we do with the money? B thinks we should put it in savings. I think we should put it towards our credit card. In the end we are going to compromise and put half in savings and half on the credit card. Compromising is what marriage is all about, right? I am very pleased with the decision. We will be building up our savings while also knocking down our CC!

Did you feel the earthquake? Or did you and your significant other make a compromise about something you both disagreed on?

Advertisements

7 Things

Judy from We may be poor, but we are happy did a post today about 7 things. 

7 things you can’t give up, 7 things that are hard to give up and 7 things I have already given up.

Here are mine :0)

Things I can’t give up.
1. 2nd car. With our schedule we need 2 cars.
2. Cell phones.
3. Our 1 year anniversary trip. We will however do it very cheaply.
4. B going to school.
5. Internet
6. I have no idea about the other 2
7.

Things I could live without if I had to.
1. Going out to eat. We don’t go out often, but living with your in laws you need some time to yourself. It seems like when we go out to eat is the only time we really get to feel like a normal couple.
2. B’s motorcycle
3. My laptop. We have B’s desktop.
4. Extra spending even though I don’t spend that much extra
5. Cable. We don’t pay for it at his parents so that nice.
6. Beer for B and wine for me.
7. Fruit

Things I have given up
1. Bachelor and bachelorette party for my sister-in-law.
2. Netflix
3. Shopping whenever I want.
4. A trip to West Virginia University to go tailgating with friends I havent seen since our wedding :0(
5. Time- Once I get a second job I will be giving up a lot of time so I can work more
6. Space- Living with my in-laws…enough said.
7. Going out to movies, bars or any entertainment.

Doing this activity has actually made me really frustrated. I feel like I have given up so many things the past few months and its never good enough. I can never get ahead…no matter how hard I try. I don’t go out a buy clothes, food and other stuff I don’t need. Yet we can never seem to catch up. I have been really stressed out about money recently and I feel bad for B because I have been taking it out on him. (Sorry love) I’m just so eager to really start our lives together as a married couple living on our own.

Making Extra Dough

Again with the job hunt. This time I need a part-time job. With B starting school on Monday he will be starting part-time. Which means we will really have to cut back. I don’t know how we can cut back anymore than we already do but we will try.

If im going to have a part-time job its needs to be a fun job. I deal with so much crap at work I really don’t want to go to another job and deal with more crap. I also want a job where I already shop at so I can get a discount. I would love to work in a retail place like Crate and Barrel or Homegoods, rather than Macy’s or Ann Taylor. I like to furnish my home more than myself. B told me I should work the streets. He thinks I could get a lot of money…such a sweetheart :0)

When I get a second job I am really going to dedicate myself to making as much extra money as I can. That extra money is going to savings a paying down credit card. Except for the first check. I already said it was going to buy me and him new clothes. He desperately needs jeans and I need fall work clothes. I told him its my extra money and I get to spend it where I want. ha!  I’m going to drop off some applications around the area the next week. Wish me luck!

 

Why I Love My Grandma

I just received a check in the mail from my grandmother for $300! Hells yeah!  I love my grandmother for more thing than giving us money, but this sure doesn’t hurt. When B and I got married last September she gave us $300 as a wedding gift. She also said there would be more money coming, she just didn’t want to give it to us all at once. Such a cute old lady thing to do. We got the next check today and she said there will be another $300 check around Christmas. All of this is going toward our credit card. It’s always nice to get money you’re not expecting and being able to add it towards something good. Anyone else get some extra cash this week?