SALE!!!

Dave Ramsey is having a sale right now!!!! His Total Money Makeover is 10.00 along with a some other stuff!!!! What a wonderful christmas gift to give someone!

November 2008 Debt!

So back in October we sold my husband truck we paid off a little bit of our debt. Not as much as I would have like but heck some is better then non right! So here is our Balances for November

FL Hospital 400.00 -134.00
FL Medical 625.00 -75.00
Grandpa 0.00 -1200.00
Best Buy 2278.90 -18.27
Chase 2722.39 -55.09
Discover 3519.40 -50.55
GTE CC 5477.90 -81.79
Polairs 7750.81 -8.23
GTE CP 8067.53 -200.71
Total 30841.93 -1,823.64

I say paying off 1823.64 for one month is good. Don't you?

October End

So this month I really didn't have much time to permote cash crate or do some offers. So my earnings are not that very good. I didn't even make pay out =( o well. I did get my check for Septemeber! I still haven't had a chance to take a picture of it yet but I will this week and post it.

Offers:	$3.25
Shopping:	$0.00
Daily Surveys:	$0.00
From Referrals:	$1.40
Bonuses:	$0.00
Total Earnings:	$4.65

Not much Going on

Well I don't know when things are going to slow down here at work. So I can work on cash crate more. I sure hope soon. this is my earning so far this month. I know not alot. =(


Offers:$1.25
Shopping:$0.00
Daily Surveys:$0.00
From Referrals:$0.31
Bonuses:$0.00
Total Earnings:$1.56

Don't think I'm going to make the 20.00 pay out for the month. =( not unless I can get some more referrels.

Here is my Referral info

Your Referral Rank:Bronze
Active US Referrals:3
Total First Level Referrals (20%):5
Total Second Level Referrals (10%):4
Payment Date:15th*

Debt For October 2008

So this is the first month in a few months that I felt like we were geting some where. So far the Truck sold Yeah! We are going to use some of it to buy my husband another truck and pay off some debt. Witch will not really show until November Debt balance. So Here we go



Quest 35.17 -35.17

FL Hospital 534.00 -70.83

FL Medical 700.00 -71.00

Grandpa 1200.00 -100.00

Best Buy 2297.17 + 242.92 intrest was added =(

Chase 2777.48 -26.86

Discover 3569.95 -48.95

GTE CC 5527.09 -79.08

Polaris 7759.04 -11.01

GTE CP 8268.24 -199.79

Total 32,632.97 -399.77

Its Sold!!!

Yes thats right we sold my husbands truck! Wooo hooo!!! We sold it for the full amount $4000.00!! we are taking 2000.00 to buy my husband a 1000-1500 Dave Ramsey truck. use whats left for the tax and tital and if there is any left from that we will put towards our BEF. Today we paid off grandpa the 1200.00 left that we o him and tomorrow I will be calling Florida Hospital and pay off the 534.00 thats left on that bill. then the 350.00 left we will put in our Baby Emergency fund. Since we have only 150.00 in there I know day says to make sure you have you BEF funded first then pay debt but my husband wanted to Pay off his grandpa and pay off one of the medical bills first so what ever left we will put in the Emergency fund.

FREAKING OUT!!!

So we have had our Truck up on Craigs list for about week or so. We listed it for 4000.00 well someone tonight came and looked at is and is bring his wife back to look at in 30 mins!!! O please let this truck sell we are going to take 1000.00 to buy my husband a "dave Ramsey" truck and the rest to down debt!!! O boy we so need this!! this is just one step to makeing me a stay at home mom again!!!

End of the month Total!!!!

So the end of the month I got very busy with work and I didn't have much time to do Cash Crate. However I did make 33.74. What more can I say for my first month? I join late in Aug 2008. So September really was my first full month



Offers $24.65
Shopping$0.00
Surveys $0.00
Referrals $5.09
Bonuses $4.00
Total $33.74

Heck can't beat it for just a little bit of work well i'm at work. He he. So now this money will go towards one of our bills! So I'll be 33.74 closer to be able to be that stay at home mom! As we are trying to live to be a debt FREEEEE

Cash Crate Contest! Sweet!!!!

check out this contest that cash crate is doing!!!

We are very happy to announce our biggest contest in CashCrate's history! We will be giving away thousands of dollars in prizes to our members during our Holiday Contest. The 50 members who earn the most "Crates" from September 15th to December 15th will win fabulous prizes. Members will be able to earn crates in a variety of ways:
Complete a free offer - Earn 1 CrateComplete a daily survey - Earn 2 CratesRefer a new active member - Earn 5 CratesComplete a credit card offer - Earn 10 Crates
Users who place in the top ten will get to choose a prize, based on their priority, from the list of "Grand Prizes". So the member who finishes first will get first pick, second place will get to choose from the remaining nine gifts, third place from the remaining eight and so forth. The list of grand prizes is as follows:
Panasonic Viera 37 Inch 1080p LCD TV
16gb iPod Touch
Xbox 360 Console Package with 60gb Hard Drive
Nintendo Wii
8gb iPod Nano
Samsung S860 8.1MP Digital Camera
Sony Portable DVD Player
Garmin Nüvi 360 3.5inch Portable GPS Navigator with Bluetooth and Text to Speech
$100 Amazon Gift Card
$100 Best Buy Gift Card
Users who place between between 11th and 25th place will receive a DVD of their choice from Amazon.com (of up to $25 in value). Places 26 to 50 will receive a $10 Amazon.com gift card.

http://blog.cashcrate.com/2008/09/15/2008-09-15-2008-12-15-contests-description/

some what an awesome way to make money and get christmas gifts!!!!

so come sign up
http://cashcrate.com/748207

Update!

Well, I have had a lot going on. Work has been busy and I have been busy at home so I have had much time to do any Cash Crate stuff. but here is my up day for the week. My Referrals have been helping me out a little bit. As this time of year is busy for eveyone. I'm not sure if I'm going to make it to my 50.00 for my first month since there is only a week left but I'm sure going to try!!!


Offers:$23.05
Shopping:$0.00
Daily Surveys:$0.00
From Referrals:$4.69
Bonuses:$4.00
Total Earnings:$31.74

DEBT!!! BLAH!!!

So we have been trying to pay off debt but it seems I can't do it!!! GRRR So I went to IL last month for my grandma's Mamoral services. Well up there my husband got in to a car wreck! His brakes went out on his truck and rearended one person and that person went into the truck infrount of her. The good thing that came out of this is my husband use to work at a auto body shop and knows how to fixes cars. So He did just that told them that he can and they both were very thankful since the one guy was running super late for the air port and the lady was running late for work and they both didn't want to wait for the cop and what not. However just last month I clear out our EF due to me being dumb ass and not paying bills blah blah blah. yeah I know! Really Dumb. So needless to say we had whole 50.00 in the EF so my husband had to use the only cc that we have to buy the parts for the 2 cars that came to 250.00 so nothing to bad but still that is an add of 250.00 not a minus like it should be anyways. Me be the nagging wife I have ask my husband to go see the Dr. for EVER!!! but he wouldn't go becuase he didn't have health ins Well finaly this year he dose and so do I. I always go to the dr. no matter whats wrong with me and find a way to pay for it latter. Well I make his Dr. appt. for phical he goes and we get the bill for getting that we have a 1500.00 deductable! grrrrr so the bill is 604.83!!! WTF!!! That was for the 4 x rays he had to have. GRRRRRR. O and get this the little stinker is just fine!! All the blood work and x-rays shows that he is in exclent health for being 37 years old! But he hurts and ackes most of the time so I don't get that. But what ever. So we added 604.00 to our debt. AHHHH I just wonder when all this is going to end!!! So here is our brack down
Quest 35.17 ~ Michael blood work
Fl Hospital 604.83~ Michael x-rays
FL Medical 771.00~ My on going quest to be healthly
Grandpa 1300~ Help us buy Michael truck!
Best Buy 2054.25~ My lap top that I had to have!!! I do love it tho.
Chase 2804.34~ I can't even remember what we use this card for!
Discover 3618.90 ~Who know Why!
GTE CC 5606.17 ~ to help pay off mecical bills and fix up the house. LOL
Polaris~ 7770.05~ The 4 Wheelers. I hate this bill!!!
GTE CP 8468.03~ My car that I love and will be driving it until the wheels fall off of it!
Grand Total now 33032.74~ ouch that hurts!!!

Monday Up Date!!!

Well, I didn't do much over the weekend and I haven't started working it today so here is my earnings before I get started for the week!


Offers: $22.55
Shopping:$0.00
Daily Surveys:$0.00
From Referrals:$4.42
Bonuses:$4.00
Total Earnings:$30.97

Yet another Update!..lol

So to day is the 12th day of september and So far I have made 30.17 on cash crate! I'm loveing this! I just need to get my referrals going! Well I'm more then half way there to makeing 50.00 my first month!!!


Offers: $21.80
Shopping:$0.00
Daily Surveys:$0.00
From Referrals: $4.37
Bonuses:$4.00
Total Earnings: $30.17

So as of today...

Cash Crate has been makeing me a little money. I'm up to 21.37! Sweet! We are not even half way threw the month!!!


Offers:$13.00
Shopping:$0.00
Daily Surveys:$0.00
From Referrals:$4.37
Bonuses:$4.00
Total Earnings:$21.37

http://cashcrate.com/748207

So Far....

Last time I posted I was trying out cash crate. So far so good. I have made 16.22!! Sweet huh. The month has just started! I first wanted to make an extra 20.00 for my first month. Well I have step it up to trying to make an extra 50.00 this month! Here is how my 16.22 breaks down

Offers:$7.95
Shopping:$0.00
Daily Surveys:$0.00
From Referrals:$4.27
Bonuses:$4.00
Total Earnings:$16.22

Now this check will not be sent out until Oct 15th witch is fine with me. Heck the holidays are coming and who couldn't use an extra 50.00!
http://cashcrate.com/748207

Wow... sorry so long!!!

Wow its been over a month since I posted on road to being debt free! Ugh! Sorry guys. Alot not to much has change. We are slowly getting our baby Emergency fund build back up! We haven't had the extra money because we have had a few medical bills come in. BLAH!!! then my husband got into a accident and instead of calling the cop and going threw car ins. He told the people that he use to work in at an auto body and he could fix it him self. they were both very grateful since 1 guy was very late to the air port and the other lady was late getting to work. So we just had to buy new bumper for both the cars!!! Thank god. That was less then the 500.00 deductible we would have had to pay! plus the ins going up. Thank god my husband know how to do those kinds of things!!!!

Not much else is going on I did start doing a little side job online. Its very fun. I like it alot. Its calls CASHCRATE! I just started back on the 21st of the month. but I have only been working it for the last 3 days so fare I have made 20.00! Witch I don't think is very bad considering I have been doing well I'm at work. LOL yeah I get paid make money. LOL If you like more info feel free to contact me or just sign up http://cashcrate.com/748207

that's about it for now. Lets hope its now another month before I post again. LOL

I have been Kidding myself!!

Ok, so for the last few months I really haven't been working the Dave way! I just have been Kidding myself that I was doing it. We have added debt then get rid of debt! It started back in March when I bought my laptop. So i'm starting all over!! I have sat down and wrote out all our bills again. Ugh. that was not fun at all! Since we added a few medical bills and loan we got form michaels grandpa so we could buy a truck for my husband that he hardly ever uses since gas is so damn expensive! I we also got behind on the daycare bill since I always for get to write out the check since I had been haveing some health issues. So I sat down and paid every single thing that need to be paid until we get paid on friday I empty our EF and empty our chirstmas fun. so everything is curent! I also started a new budget! I'm going to stick to it. Damn its so dran hard. I hate this!!!
So here goes our new Debt
OB/GYN 82.80 / 82.80
FL Medical 841.69/min 70.00
Grandpa 1500.00 / 100.00
Best Buy 2104.25/ 50.00
Chase 2666.92 / 74.00
Discover 3126.54/ 63.00
GTE CC 5889.54/ 118.00
HSBC 7796.04 / 100.00
GTE CP 8849.35 / 239.00
New Grand Total 32,857.13

This sucks. O well, I'm sure it could be alot worst! I'm going to see if I can get to were we live on just my husband check! witch is about 1100.00 evey 2 weeks. My pay is about 600.00 every 2 weeks. we get paid on the same day since we work for the same company. So looks like we are just going to start all over like we did last September. Ugh. I'm just so mad at my self. I so wanted to have 1/2 the debt paid off before the end of the year so i could be a stay at home mom. but that sure dosn't look like thats going to happen. plus we are TTC # 2. I don't think thats a good Idea now since how much debt we have. becuase I know as sooon as we have the baby i'm going to want to stay home home. Ok. enought of my venting. I know i'm being really hard on my self. here to a New beginning!!!! Again!!!

June Debt!!!

DISNEY 2781.62
DISCOVER 3169.41
GTE CC 5976.97
HSBC 7806.62
GTE CP 9040.57
TOTAL 28,775.19

Stress out

Ok, I'm more then stress out I'm about to Freak OUT!!! As you all know we are trying our best to become debt free. I have to say this is the hardest thing I have done in my whole 29 yrs of life! See here is my deal. Reilly will be starteing school in Aug. We are doing school Choice to see if we can move her from our "zone" school West to diffrent school. Woodland. Well west starts at 8:40am and gets out at 2:50. Woodland starts at 9:35am and gets out at 3:45pm. Now woodland has the place program witch is the before and after school care. its not 100% that roo could get in the place program becuase they do a lotery for spots! Ugh. So now I have to figer out to find someone to watch Reilly in the AM and in the afternoon! I'm not really confterable with her riding a bus at 5yrs old! heck she still in a 5pt harnes car seat since she is only 33lbs! Let alone sitting on a bus! Well if i quite work to and find a part time job no part time jobs have health ins. I really need Health ins since I really want to have another baby. Michael will not let it happen If I don't have health ins! Also if I end up staying home our bills will pile up! I need to have some kind of job where I can make some money to help pay off this debt. but If we get 50% of it paid off then I know we would be ok. But Thats the prob how i'm I going to pay off 15,000 in 4 months! So I need to find something I can do from home or something. i'm just freaking out so much is unknown right it driving me nuts!

May Debt!

Disney 2846.14
Discover 3212.28
GTE CC 6066.16
HSBC 7814.14
GTE CP 9238.34
Total 29177.06

UGH this debt is going to take for ever!!! but its at least its going down!

April's Debt

Disney 2848.49

Discover 3256.04

GTE CC 6155.73

HSBC 7829.51

GTE CP 9450.67
Total 29540.44

Trying something!

So last night Michael and I had a long talk about our debt! We have been doing ok with it! I know we can do a lot better! So we went and found our power strips and plug them all in. So this AM we went around and turn off all of our "STUFF" TV,VCR, Raido, Cable box, Towster, and computer's! We live in FL so it can get HOT we have alway put the AC up when we leave the house to 80 well we are at work and and put it back to 77 when we get home. I just paid our last month bill and that was 111.54 and the month before that was 105.77. So we are trying to get our bill down under 100.00 this month. So will see if this helps with our electric bill this month!!! I'll let ya know what happens.

Our Story!

Ok, so I have been looking at the blog and notice that I really hadn't told "our story"
So here we go. I'm Lindsey 29 Ahhhhhh at the whole 29 thing. I'll be 30 June 30th. anyway I'm married to Michael 36 Amost 6 years ago. We were Married May 25th 2002. I love him more and more every day. He is my best friend my solemate. Ok now i'm all sappy on ya. lol 10 months later we had our wonderful daughter Reilly! Who by the way is amost 5 in 20 days March 13th. Right now we live in Sunny Florida! Ugh. This is what brought on our Debt free juorney! My side of the famaily live up in IL where I grew up. Michael side lives down here in FL. Don't get me wrong I get along great with his side. However I miss my mom and dad sooooo much. That I have wanted to move to IL since we got married! So one night back in late Auguest We had a HUGE fight. Over about us moving. Well it came down to that we had to be at least 1/2 way out of debt before we move. So that got me motovated to stop spending and start paying off debt. I'm always on Cafemom.com and found a wonderful group called Dave Ramsey fan. Well I'm soooo glad I did. He has tought Michael and I both on how to get out of this debt that we are under! They are called baby steps. Right now we are on baby step #2 Debt Snowball. When we started our debt we had over 36,000 Dollars of debt. Thanks to we are now down to 30,000 Thanks to a tax refund that we got!!! As of January our goal is to pay off 1/2 of our debt by the end of the year! So far so good!!! Boy dose it feel good to just think that in 2 yrs that we could be 100% debt free but our house.

ING Account!

So Monday I set up a ING Direct savings account. Its online bank! I have it now set up to take 50.00 per pay day. So thats 100.00 month into savings! I'm not sure what we are going to do with that money. Prob use it for christmas. Or use it if we have a baby this year.

Closed BOA Credit CARD!!!

Boy what fun that was!!! NOT! I was on the phone for almost 15 mins! Repeating my info to 3 diffrent people on why I wanted to close the card!!! They said that it wasn't paid off and I said yes i made a payment with check 837 for the full amount!O. with in 24hrs it will be closed! Woooo hoo what a AWESOME Feeling to know that 1 card is closed for sure!

I'm still not sure if we are going to close the lowes credit card or not! We do have our 1000.00 EF if something happens but i'm just not sure if i really want to close it! We could just keep it in our lock box and if we need if for Emergency we can use it if it is over 1000.00. and if its for the house!

March 2008 Debt

Disney 2783.88

Discover 3299.59

GTE CC 6248.35

HSBC 7876.50

GTE CP 9632.46

Total 29,840.78

Good by 4 bills

Like I said yestorday our tax return came yestorday afternoon!!! So i just got done writing out 3 check and calling 1! Good by Medical bill of 225.00 that was left on it. It was well over 400 when we started our debt snowball!!! and that add 25.00 a month to the showball! Good by Dog payment. We bought the dog from my sister in law last year for reilly's birthday. it was 1000.00 and we have 600.00 left on it. I know she is happy to have that money. we were trying to pay 50.00 a month but we never see her so it was hard to get her the money! So that add 50.00 to the snowball!! Good by Bank of America credit card!! thats 1169.36 left! and adding 44.00 to snow ball and last but not least lowe's credit card that had 1208.97 left!!! and adding 15.00. so paying of 3203.33 and adding 135.00 to our debt snowball. next bill to work on is the Macy card. that is only around 637.00 or soo. with our Snowball being 255.00 that should be paid off in about 3 months! then on to Disney credit card!!!! boy dose it feel good! like a big wight off your back. We are getting there. We will be debt free 1 day!

OUR TAX RETURN IS HERE!!!

WOOOO HOOO OUR TAX RETURN POSTED TO THE BANK THIS AFTERNOON!!! WOOO HOO FIRST STOP PAY SISTER IN LAW FOR CASEY!!! THEN TOMORROW OFF TO PAY THE REST OF THE BILLS THAT WE ARE GOING TO PAY WITH THIS TAX RETURN!!! I'M SOOO EXCITED!!!

Tax Refund

Ugh, Still waiting for the tax refund to come!!! It should be deposit into the bank on the 15th!!! Man I sure was hopeing it was going to come early. But I guess not!! I WANT MY MONEY!!! LOL!!! Just 2 more days!!! just 2 more days!!!

February 2008 Debt

Macy's Store 39.19
Medical 225.00
Dog 600.00
Lowe's 1207.00
BOA 1169.36
Disney 2669.96
Discover 3343.39
GTE CC 6342.67
HSBC 7850.38
GTE CP 9826.01
TOTAL 33272.96

We paid off 509.30 From January to Feb!! This month will be much better!!! Tax Refund BABY!!!

Tax Refund

So I file our Taxes yestorday afternoon. I was in shock when I file. Why becuase of the amount of money we are going to get back!!! 5109.00!! Yes thats right 5109.00. So we are going to be able to pay off
Medical bill thats at 225.00
the Dog bill thats at 600.00
the BOA bill thats at 1169.00
and Lowes thats at 1207.00
O take out about 500.00 for our Disney trip and another 500.00 for a exhaust for michael four wheeler. yeah i know the exhaust is not a bill but he let my buy my Camera last year. So this year he get something. The money we have left over i'm putting it away for MAC laptop fund. I'm going to have a laptop sometime this year!!! I have been saying that for what 2 yrs now and I still don't have a laptop! but now I have made up my mind on what one I want and thats is a MAC!!! witch it the mack daddy of them all..lol I know I could use the reminder of the money and put it towards a bill but I have been wanting a laptop for soooooo long! I think paying off 4 bills is pertty darn good!

January Debt!!!

Medical 300.00 75.00
Dog 600.00 50.00
Lowes 1222.00 15.00
BOA 1204.82 44.00
Disney 2728.88 103.00
Discover 3386.25 70.00
GTE CC 6434.21 129.00
HSBC 7857.43 100.00
Car 10002.33 239.00
Total 33782.26

From December of 2007 to January 2008 we paid 754.23 off of our debt!!!

Excited!!!!

So Michael and I have been trying to cut back on everything!! 1st we cancel our netflix that added 15.00. Next we cancel our bug company at 60.00 eveyother month. and then Michael painted some bummbers for the owner of our gym and in exchange we will get the gym for free for the next 5 month. so that added another 60.00. Also I got my BOA CC in the mail and the min payment drop from 85.00 to 44.00 so that 41.00 extra month! So now we have a extra 176.00 for the next 5 month. Until we have to start paying for the gym again.. Every little bit helps!!! Wooo hoo!!!

And we are Off and Running!!!

Today is the 2nd day of 2008 and we are starting off very well!!! We did all of our food shopping last night and stay under 100.00!!! So Excited about that. 2008 so far is good!!!