Dollar Bills Yall...

I know it's been a long time since I've reported on here, and I wish I could tell you that my finances are all together and my credit is repaired. But I can't I've failed miserably with tracking my spending, over the past year I've paid outrageous NSF charges because of my inability to balance my checkbook and I have the dispute letters in my purse, haven't mailed them yet. Now I actually need to revise them because when they were drafted I didn't do that correctly so my procrastination did help in that instance.

The spreadsheet...I did create it and can I just tell you I hated it!!! I don't like having to MAKE myself sit down and enter data but that is apart of learning discipline and gaining control of my finances. DISCIPLINE is a LEARNED behavior and am I ever learning. I am pleased to announce that after paying almost $200 dollars in NSF charges I've gotten a grip on my checkbook and reality. The reality is I can't AFFORD to give away money like that, and the reality concerning the checkbook is...IT's BALANCED! For the first time in almost a year and a half my checkbook is balanced down to the penny. My ING account is still going strong and I've even taken advantage of some of the saving opportunities my bank offers. So I've had some good with bad mixed in. In my next post I will report on how I cut my living expenses and my shopping habit.

I, 1BrokeSista promise to post at least once a week on dis here blog!

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.