Chicky Finance

Discovering what it takes to say "NO" to spending "YES" to saving

PROGRESS

Hello everyone! Welcome to Chicky Finance! I started this blog in mid January after reading several PF blogs; I got so motivated that I decided to share my "not so smart" mistakes and hope that someone else can learn from my miscalculations at the same time witness my journey of becoming debt free! More

DEBT-O-METER

CC Start 1/12/08: $25,970

CC Debt 11/15/2008:$16,450
Car Loan Start: $27,540
Car Loan 11/15/08: $18,434
IRS: $5000
Current IRS:$4,900
Thanks God no Student Loan!

Snowflake Jar

Just like many PF bloggers I am also part of snowflake revolution. I am supposed to put whatever money I get from snowflake efforts to towards debt. The problem is I don’t know exactly how much money I am making through snowflake and putting towards CCs. After thinking about it what to do I decided to use my Citi e-saving account only for snowflakes and keep it there until end of the year and theeeen put it towards CCs. That way I will be able to keep track how much exactly I am making on snowflakes.
So every penny coming through outside of FT job goes to Citi accounts. These are including;
1-PayPerPost! I love this one; it is great way to make extra money as long as you are careful what you are writing about.
2-Donations-Thanks a bunch for all the donations!
3-Surveys-Surveys are boring; fortunately I get only once every two weeks or so. I use Pine Cone Research; they pay via PayPal so it works out ok.
4-Referrals
5-Book sales on half.com, amazon.com and cash4books.net –In fact I’ve just sold a book on half.com for $15, I need to mail it tomorrow.
6-Ebay sales-Last week I sold an item for $20
7-Recycling-Every two weeks I get $16 for doing this. That’s basically bringing out diet coke cans and water bottles to recycling center nearby my work.
8-Change jar-Any dime, quarter, and penny goes in there.
So far I have $85 in the jar and it is growing every day!

2 comments:

  1. Jim ~ mydebtblog.com said...
     

    I don't have a problem earning extra money by cutting spending, selling stuff, or earning more income. My issue is when it comes to donations though. You're trying to get out of debt, particularly from credit cards, yet your donate button clearly shows you can charge a donation. So you receive their donation to pay your debt, and they go into debt? I also feel that debt is your own responsibility, not for someone else to come in and pay for you. The Save Karen website started the whole idea of online charity to pay off debt.

    I want you to get out of debt just like any other PF blogger out there. The keyword there is YOU need to get out of debt. I hope you see where I'm coming from on this.

  2. Chicky said...
     

    Jim I clearly undrestand your concern regarding donation button. I take full responsibility for my actions and I try very hard to get out of debt. And some people see that, sympathize with me and want to CONTRIBUTE my debt payment plan which I reallly really appreciate.I dont take that money and go out ea dinner or got movie or buy a coach purse..I put it towards debt.I hope you understand the difference.

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