Spread Em...

Boondocks by Aaron MacGruder

You can go ahead and shot me for not posting over here regularly. I do have an excuse, I'm in school! Full-time no doubt and I work FULL-TIME and at the end of the day I have to muster up all th energy I have to spend time with my disgruntled teens. They have to get their quality time from me. Anyway, I'm taking a CIS 146 class which translates to a not so basic computer class, which I'm acing by the away because it's all about Micro.Soft Office. Well I'm on the Excel unit and when we are done going through each project in the book we have to submit a personal project. A Spreadsheet and the instructor gave us themes but those were kinda basic wack! *I know, nobody says wack anymore* I'm developing a spreadsheet that will track all of my debtors. It will list the original creditors, the original amount owed, the amounts owed after late fees and interest. This letter will also track my disputing process, because a lot of that stuff they SAY I owe I don't! And dammit I'm not going to pay it and I am tired of living under the weight of debt. I figure it will be a great way to get an A on a project and it will finally force me to organize or should I say streamline this process. I know I'm in for a fight but so far the fight is going good. Credit Boards.Com has been a big help. I will post the spreadsheet over here when I'm done with it.

Doing it the Old Fashion Way

One of the Keys to Financial Freedom and Success is tracking your spending, and that is an area where I have failed miserably! I don't keep up with my spending if I have to logon to the computer and pull up a spread sheet and enter the numbers, that won't work for me...the reason being is I'm staring at a computer all day, so I don't want anything to do with a computer when I get off from work. So having said that I will be doing it the old fashion way...like grandmomma did, I brought myself a ledger and will be recording ever y dollar spent in this book so I can look at how and where my money is spent. I've also put a temporary cease and desist order on my credit and debit card usage. I tend to spend more than I can afford when I whip out that fantastic plastic, so to get my mind right I will be only carrying around a certain amount of cash for purchases. Now I will continue to use my cards to pay my household utility bills that way I can earn all those perks I've grown to love! Anyway tonights homework for me is work on a new budget, the old one no longer reflect our lifestyle and my income and I'll report back to you guys on how that's looking.

Peace *2fingas*

Yawn, Nod Yawn

I've fallen asleep at the wheel and just experienced a head on collision with debt, the frustration that comes from being the owner of debt has caused these stress induced migraine headaches that plague me. Yes I'm even more disgruntled! I applied to several apartments (remember the last post about renting a cheaper property so I can save money?) Well that's not going to happen because all of the decent apartment complexes...who am I kidding even the worst apartment complexes pull your credit file. And having said that 1BrokeSista has to stay where she is because nobody is going to rent to me with jacked up credit. I even explained it to one lady *Look lady I've been the victim of identity theft and submitted all the proof of that and she said oh that's fine you should get in* Why that heffa asked me for MORE proof that I am paying certain bills *blank stare* Lady how can I give you proof that I am paying a bill that is being disputed as identity theft???!?@#? Needless to say 1BrokeSista almost went to jail on that one because I WANTED MY APPLICATION AND ALL MY DOCUMENTS BACK...I mean since you said I can't live here why do you need to keep MY personal documents? I digress...
Anyway I just pulled my credit report and there are potentially 21 negative items on my file *blank stare* I can't lie to y'all this has been a very discouraging process that's why I haven't been blogging about it. But I know that as long as I keep working at it praying about it and changing my attitudes about bills, credit, and money, I will be ok! So anyway 1Broke Disgruntled Sista is back!

Yes I'm Still Alive!

Hello Everyone!
I know, I haven't been home and I didn't leave the light on but forgive me.
I've been too disgruntled to even talk about it yall. But here is a quick update. I went to battle with the "Man" aka I've been disputing incorrect information on my credit report. I have gotten so much REMOVED! YES I SAID REMOVED! Now it's round two. I am going meet with Michelle (Money Lady) we're going to go over my report and discuss the next plan of action for to get this remaining six thousand dollars off of there! It has gone up since last we spoke because SOMEONE HAD AN ALLTEL PHONE IN MY NAME. It's coming back as mine so We have to take care of that, $1425.....I don't know a MOFO ALIVEEEEEEEEEEEEEE that I want to talk to that much.

I have decided to move to a cheaper rental property because I need to get this debt off of me so I can purchase a HOME. Currently I am paying rent which resembles a house note of $900.00, rent in a half way decent hood would be between $500-600 hundred. It's a thought.

Word on the street is I've Kicked my WICKED shopping habit..."Hi My name is 1brokesista and I'm a shop-a-holic!"

I'm currently able to squeeze out a hundred bucks a month towards my ING savings and $25 a month for each of the Disgruntled teens.

I got a little discouraged because I want a home of my own, I realize now that God is saying NOT NOW! One step at a time so I know once I get this stuff out of the way I will be free to move about the country freely!

I am back people!
I will be blogging regularly about finances debt and surviving.

Peace*2fingas*