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Archive for June, 2008

End of June

June 30th, 2008 at 02:45 am

July 1st... I guess it's time to post June Results. Ouch.

Savings #1: 11,220(goal:15,000 ----74.8% to goal)
Savings #2: 1078(goal:2,500 ----43.12%)
Savings #3: 504 (goal 2,000 ---- 25.3%)

Roth IRA: 1,500 (goal: max 2008 contribution)
401K: 803
Brokerage Account: 100
Employee Stock: 420

Debt:
Credit Card: STILL $0!!!
Student Loan: $15,222


From end of May to end of June
Savings #1 = + $80
Savings #2 = -647
Savings #3 = - 196
Roth IRA = + $0
401K = + $43
Brokerage Account = +$25
Employee Stock Plan $0

My savings for the month of June = $-695
(oooo... that hurts!) And I haven't even paid my car insurance yet! It's not due until July 7th... so I'm waiting until I get paid again, which is this Wednesday. However I know that it won't be enough to cover the entire payment. I'll have to dip into my savings again (pull about $300). Also these results are understated a little since May was overstated by me including that first paycheck in May results.

I will admit that June wasn't a complete loss because I did get rid of my credit card debt. So I sacrificed some of my savings in order to have cc freedom. I'm going to work really hard for July in order to start rebuilding my savings after I pay my car insurance.


I just need to remember to focus on my goals. Smile

Just a Random Update...

June 26th, 2008 at 09:07 pm

Hmm... it seems that I must have caught the declutting bug too! haha. I did a whole lot of shredding, bundling up newspaper for recycling, consolidating and purging a lot of stuff. Keyword being stuff. I really just need to throw a lot of stuff out but for someway I just convince myself that it has sentimental value to me and hang on to it. Usually later down the line I end up throwing it away or donating it.

My family is all going on vacation tomorrow for two weeks. I'm left here to take care of the house and the cat. Me and the cat are going to be best friends once the two weeks are over, haha. I am sort of looking forward to the empty house... more cleaning and I can actually sit down and focus on tasks with no distractions.

By the way I was able to get 30 items for the food bank donation at work... for less than $20. I was only one out of 4 people to bring food in. I knew it would end up like that. Not that I was keeping score or anything, I actually really enjoy these types of community action projects. The next community action project is back-to-school supplies for underpriviledged kids in our local area. I can't wait for that! I love shopping for school supplies that is so much fun!

Next week I'm volunteering at this event serving food, helping with setup and clean up. I'm not quite sure what organization it's benefiting, I did at one point know, I just forgot. I know the proceeds from the event are going towards helping children.



And as far as financial update... Still no credit card debt! WOO HOO! I'm staying strong. I think as I'm trying to build back up my savings I'm going to put some of that money towards my IRA... at least that way I can get closer to my goal of maxing out 2008 contribution.

That's pretty much it. I'll be back in a couple of days to post end of June Results. (ooOOOoooo scary thought... June is almost over) yikes! Time flies!

Hmm maybe I was a bit harsh.

June 20th, 2008 at 06:13 am

As I think about yesterday, I'm thinking that I was a bit harsh on my friend/co-worker.
We got into it yesterday about some things. She's my brother's age, two years younger than me, I just now realize that I sort of treat her like a younger sibling.

I was getting annoyed yesterday, because she asked me for a ride home from work. (that I don't mind because she's on the way, not really... but it's not that far.)But then... once we got into my car she wanted me to drive to some fast-food place so that she could get food... (it was around 11pm). The one she wanted was not in the direction I was headed. So I firmed stated "no" and that she needs to pick some place on the way, because I'm not driving all around the creation wasting gas. She got mad at me. I know it sound really petty, but I was annoyed at the fact that I had a conversation earlier in the day that I was trying to cut back on my driving to save on gas, so for her to forget about that and not understand, I just don't get it. I told her that she would understand once she got a car and started paying for her own gas.

I know this sounds really selfish of me, but I like it when I get off of work at different times that way I dont have to worry about giving rides home. I mean every now and then I don't mind, but when it becomes often like almost every shift, that's where I draw the line, because they aren't offering gas money and I'm not asking for it. So it's better that I don't give rides home... that way it's just a straight 7 minute drive home with no detours. I'm not a taxi.

I need to learn to use a calculator correctly!!!

June 19th, 2008 at 06:05 am

Argh!!!!

It has come to my attention that I do not know how to add and subtract on a calculator. I miss added my one of my CC payments. So I overpaid by $33.05! How annoying. I don't know how I did it... or what I was thinking when I was adding it. I mean I got the balance from calling the number and then I checked the last 10 trans... still had a couple purchases pending... so I added those in. I don't know how I got $33.05 more than what I actually charged.

Oh well. I guess I'll have to charge exactly $33.05 and then whatever the balance is either pay cash or debit! My next purchase for groceries or something. I do not know.

CC freedom and midmonthly results

June 17th, 2008 at 07:40 pm

I did it! I single handedly in one foul swoop wiped out all my Credit card debt. YES!!!
Well... I didn't want to think about my CCs anymore when I checked my balances this morning. I apparently spent way more than I thought I did while I was visiting in California. So I decided to just pay off all my cards. Now I can just focus on building back up my savings, saving more for retirement, and saving more for my enjoyments.

Unfortunately... my savings will probably take another hit at the end of the month when my Car insurance is due! That will be another $400. But I will cross that bridge at the end of the month. I should be alright because this past paycheck was weak because I only worked for a half a week... because I was on vacation. So money is tight this month. I'll make due.

But everything is okay because I have NO CREDIT CARD DEBT!!! YAY! Hopefully I can keep it like that!!! I'm taking them out of my wallet right now!!!


But anyways here is my mid-month results.

Savings #1: 11,220 (74.8% to goal)
Savings #2: 1,050 (42.0% to goal... 27% decrease from previous balance, yikes)
Savings #3: 504 (25.2% to goal...9.8% decrease from previous balance)

Roth IRA: 1,500
401K: 803
Brokerage Account: 100
Employee Stock: 420

Debt:
Credit Card: $0
Student Loan 15,325
Car Insurance $400 at the end of the month


So... June has been a really slow month so far. However, I did get rid of my CC debt. Now I just need to get my savings back up and I need to start contributing to my IRA.

Hmmm... thinking about someone other than myself...

June 12th, 2008 at 05:19 am

So, I just got back from San Francisco. I love that city. Smile

Anyways... just ONE of the many highlights of my trip was when I spent the day in the city by myself. I was a little hesitant about it. I went the day before with my aunt who is from the area. So I decided the next day I would go by myself and go exploring. Anyway I was standing in line to buy a day pass for the Cable Car. $11 for an All Day Pass. This couple came right up to me and gave me both of their All Day Passes for FREE. They said that they were done for the day and didn't need them anymore and that I should use it and I should give the other one to someone that I thought was nice. I almost fainted. I thanked them so much for being so kind, not that I really needed the free tickets, but I was just shocked of their kindness. I thanked them plenty. So I rode of the Cable Car, my round trip. I was done with all my riding by 3pm. So... I stood around waiting to give the two tickets to two people that I thought would enjoy them. I found these two ladies. One had a tour guide book in her hand. So I gave the two tickets to them, because they were like me just visiting the city. I hope they had a nice trip like I did!!!

I feel like I'm on a lucky streak right now, too many lucky occasions to explain. But anyways, I feel as though I want to give back for being so blessed right now. My job is holding a food drive for the local food bank. Tomorrow I'm going to go to the store and see what I get get for $20 to for the food drive!!! All about paying it forward right? Smile

A little behind... but May Stats

June 5th, 2008 at 07:29 pm

I'm a little late on end of May. However I've been in California visiting family for the past week and I'm here until next week. The nice thing is that I've been to California a bunch of times, so I don't feel the need to buy a lot of things, so just good time with the family.

Anyway, here is the rundown (note this also includes my last paycheck that was posted yesterday)

Savings #1 - $11,140 (goal: 15,000 ---- 74.27% to goal)
Savings #2 Ė $1,725 (goal: 2,500 ---- 69.00% to goal)
Savings #3 - $700 ($50 less than mid-may - $50 towards a little spending money for my trip) (goal: 2,000 ---- 35% to goal)

Roth IRA Ė $1,500
401K: $760
Brokerage Account - $75
Employee Stock Plan: $420

Debt:
Credit Cards (4): $500
Student Loans: $15,326 (June & Julyís pymt in Checking)

From April to May
Savings #1 = + $327
Savings #2 = + $156
Savings #3 = - $179
Roth IRA = + $0
401K = + $382
Brokerage Account = +$75
Employee Stock Plan $102

My savings for the month of May = $863

I was thinking this number is unusually high. Then I realized that itís overstated because I included the first paycheck for June. Oops. Well that just means that Juneís number will be lower in the end as far as increases in savings. It will all balance out in the end. Mayís should be around $250-300 less. But hey thatís still a good number for me, considering Iím only working part-time. Thank goodness for time-and-a-half and holiday pay for Memorial Day.
When I get back from California, serious job hunt time!!! Then maybe I can get my savings up higher!!! That makes me happy! Smile