Dimples' Divine Domain
My journey to financial empowerment.

Finally. CC Debt Zero Day is sooo close I can smell, feel, and taste it!! I'll get straight to the point. I have saved a total of $6734 to date since I started my new job in late July. I plan on using $6K of that to pay off some debt. I sat down today and did some analysis on my current credit card debt situation and looked for the best way to go about paying them off. I looked at each card's balance, limit, APR, minimum monthly payment, and last month's finance charge. I ran different pay off scenarios focusing on different key points. For example, in one scenario I focused on paying off my credit cards by balances starting with the highest balance first while in another I looked at paying off the cards by APR. Here is what my credit card debt situation looks like: CARD BALANCE LIMIT APR MINIMUMS 1 $7165 $8500 19.99% $200 2 $3976 $6500 16.99% $93 3 $865 $1100 9.99% $25 4 $735 $1500 14.99% $20 5 $172 $1200 9.99% $10 6 $95 $1150 24.99% $20 Based on the my an...

A speaker system I had on Amazon just sold this afternoon. Net earnings = $71.04. This takes care of the $52.07 I needed to reach my goal for my trip to Atlanta in 3 weeks. I am so amazed by the amount of money I have been bringing in on the side. The past couple of weeks have been really good. I still have a number of items listed on Amazon and eBay. I am contemplating on what I am going to do with that money once it comes in. For the time being I will let it sit in my Misc account. I am going to the A yall!!!!!!! Anyone have suggestions of some places I should hit up?

On February 29th I will be heading out on my first trip to another state. The furthest north I have gotten is Pensacola, Florida. I have been to two islands in the Caribbean. But this will be my first time in another state. And I am sooo psyched!! My girls and I are going to Atlanta to see Steve Harvey and Monique. Even though I am extra excited about taking this trip I really don't want to spend any of my budgeted money on this trip. And if you noticed, I haven't taken this trip into account on my February budget . So I put my hustle hat on and have been working on making some extra chedda to spend on this trip. Here is the estimated cost of the trip: Tickets: $48 Gas: $45 Hotel: $52 Spending money: $80 TOTAL: $225 Here is what I have collected so far: Text-Link Ads: $11.28 Ebates: $16.65 (paying out to my paypal on the 15th) Amazon sale: $72 eBay sale: $40 Revolutionary Money Exchange: $25 American Consumer Opinions: $8 TOTAL: 172.93 Only $52.07 to go!!!! I listed a...

I have some extra money coming my way in the next few days. My laptop rebate from Office Depot was mailed on the 27th and should be here by Friday. That is $150. I get my last cash out from Cash Duck this Friday and that is for $82. That is $232 bucks. I will most likely put the money in my spending account and use it for groceries and gas for the next month or so. If I continue to do the $30/week for groceries and miscellaneous stuff and if I do $30 a week for gas (this is the most extreme....I drive 130 miles to and from work) the money will last me a month. During this time I will look for other avenues to make extra money and continue to use it like I am now. That way I can use all my remaining balance of my paycheck, after bills are paid, to apply towards my credit card debt. I still have American Express coming but I gotta wait until the credit my points to my account. Since I am not going to do the house right now I am not sure what reward I will cash out. Well we wil...

Anti-frugality..........lol is that a word?.......well it is now. HA! Anyways I applied and got approved for a Chase Freedom credit card about 3 weeks ago. Chase had a promo going on where you would receive $200 bonus points after your first purchase of $.01 or higher which you can then redeem for a $250 check. I received the card 5 days after getting approved and made my first purchase (gas). My statement closed on the 5 of May and my $200 bonus points were applied to my account. I just redeemed my points this morning and it says my check will be mailed out on Thursday. Yeahhhh! So I should receive that check sometime next week. I am so psyched. I plan on putting a $100 dollars in my E-fund with ING Direct and $100 in my Home Fund with CitiBank . And I will take $50 and spend it on myself and my daughter. I will post more about this later today but I am sooooooooo done with the whole frugal living thing. I am a 25 year old single black mother and I have worked too hard to g...