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Archive for January, 2009

So Distracted...

January 28th, 2009 at 07:52 pm

this morning I forgot my lunch. Frown

I had it all packed and everything, ready to go. In fact this morning was the first morning in a LONG time that I just popped out of bed and started getting ready. Usually I just hit snooze and drag myself to get dressed to go to work. In fact I had made myself a pretty decent breakfast too.

And it wasn't like I was rushing either. I sat down and ate breakfast and just walked out the door without my lunch. So I had to buy lunch today. Booooo! Because by the time I realized that I forgot it I was already in the parking lot at work. Go figure.

Well at least I have lunch already made for tomorrow.

So there went $8 that I wasn't planning on spending. But, I did have Chipotle, which I haven't had in months. It was yummy. So I guess it wasn't that bad forgetting my lunch, hehe.

Gosh my mind is all over the place though. Besides forgetting my lunch, I can't even remember what day it is. I keep thinking it's Tuesday. And for some reason at 10AM today I was thinking it was a 11Am when I was looking at the clock and thought to myself only 2 hours until lunch break when it was really 3 hours. Work is taking over my mind so much that I can't focus on the little things, lol. I can't wait for the weekend to come!!!!

Working extra

January 26th, 2009 at 07:24 pm

So with my job, technically I'm only suppose to work 35 hours. the hours are 9-5 with an hour lunch. I asked my boss if I could come in at 8 and stay til 5 so that I can get the full 8 hour pay. She agreed. So I'm working the complete 40 hour week. That 5 hours doesn't seem like much. But in one month that would be 20 hours of pay that I would be giving up. And if I were getting paid $15/hr that would be $300 a month that I'm missing out on. And that is a lot of money. At least it is to me. That's a student loan payment right there. I'm being good though. Whatever extra money I make is being put to good use, either to my Credit Card, Student Loan or savings. Hopefully it will help make a dent in my goals.


Here are my updated numbers

Savings #1 10,336
Savings #2 1,661
Savings #3 675

Roth IRA 1,675
401K 1089

Debt
Credit Card 1,003
Student Loan 14,039

My Roth IRA

January 19th, 2009 at 10:53 pm

Okay so I have a question. If anyone has any advice I am completely open to ideas and thoughts, because right now I don't have a clue. Well, that's not true. I have a partial clue.

So if you look at my financial stats, I have not maxed out my 2008 contribution for my Roth IRA. But I am still able to make 2008 contributions until sometime in April. I can't remember the date from when I was a teller. Oops, but anyways until the beginning of April. Should I still continuing adding to 2008 or should I just start with 2009 since I'm not really close to maxing out 2008????

I didn't really get a chance to making more contributions to my Roth because of my lack of steady income this past year. But now I'm able to make some contributions.

I'm pretty sure I should just keeping adding to 2008 for as much as I can that way if by some miracle I earn some crazy amount of money later in the year I can still max out my 2009 contribution. I think.
Help!

24 Hour Fitness?!

January 15th, 2009 at 08:14 pm

So, I definitely did not do a NSD. In fact I spent $300 on a 2-year gym membership with 24 hour fitness.

Costco.com is running a sale on their gym membership. $299 for a 2 year membership. That you can use at all locations except for Sports and one other of their clubs. I can't remember. But after everything is calculated it comes out to roughly $12 a month. That is really really good considering it's usually around $60 a month. There is no expiration date. So the 2 year starts whenever I bring it in for the first time to activate it. And costco says that if I have any issues that I can return it and get my full-refund. Which is great.

Also. I bought Turbo Tax on there too. They are running a rebate until 1/25 $10 off. This is only online though. And they are cheaper than other places.

So I spent a lot but then again in the long run of things, I guess I saved a little too. Good now I can get my behind to the gym. No more excuses that gym membership is too expensive, lol.

Oh and I got the Job.

January 14th, 2009 at 11:30 pm

So I was able to land the contract job. I had a 5 minute over the phone interview. And then they decided to pick me after they did the same with the other candidate that they were interviewing. So Yay! So this one goes until the end of March. I'm covering a maternity leave. I started yesterday actually. It's a lot of work to learn. Like with any job. It's good though because I'm getting good experience. And now that I'm figuring out that I'm able to learn new software rather quickly is even better.

This contract pays a lot more than the other job. So I'll be able to save more which I'm really excited about. I'm planning to use the extra to of course pay on my student loan/cc/ and for my IRA

Also I checked my credit score, the free annual, but I pay for my score, which I shouldn't because it doesn't really matter I just wanna know. It went lower. It's not 795. It said my installation debt was too high. Which is funny because last year it was $2000 more than it was this year. I'm confused. Eh. It's not that much anyways.

Updated Numbers

January 9th, 2009 at 07:54 pm

Just like I said in my last post. I was going to sit down and figure out how much I have and where I have my moolah.

Savings #1 10,199 ($50 increase)
Savings #2 1,411 ($151 increase)
Savings #3 580 ($205 increase)

Roth IRA: 1,600 ($50 increase)
Rollover IRA (frm. 401k): 1,089

Total Savings Increase since 12/23/08
$456

Debt:
Credit Card: $1,034 (A decrease of $161)
Student Loan: $14,248 (A decrease of $72)

Note: I did get $150 for Christmas money that I deposited into Savings #1. But the rest I saved all on my own by automatically transfering $75 to Savings #2, $25 to Savings #3 and #1. Every paycheck. Automatic savings of $125 each week. For now.

Today was my last day at the contract job. I have an interview on Monday. At least the one on Monday the contract should last until March. I'm keeping my fingers crossed that I do well at the interview. I'm going to studying up on the company and the position this weekend.


Oh and the nerve. So I'm doing the temp thing right now. And there were two other temps that I was working with. My recuriter told me to update my resume so she could send it off to new opportunities. So I did. She came back and said that my resume was really well written. She was impressed. And then she had the nerve to ask me if I would be willing to share my resume with the other two temps so they could fix their s. In normal situations I would be okay with sharing.But these are tough times. And frankily those two temps are also my competition. How dare she ask me to share something that makes me stand out of other applicants. I put a lot of effort into putting it together, in fact at one point I had to scrap the entire thing and start over. Maybe I'm being silly, it's just like asking me to show my term paper to someone else so they can get ideas after I had to come up with the original idea with no help and what if they get the better grade. Nope. no can do. They'll have to figure it out on their own. After I get a job I would be more than happy to share, lol.

New opportunities.

January 6th, 2009 at 09:12 pm

So being a temp, my contract of course had to end early because apparently the 3 temps that helped out worked too fast. My last day is Friday. But luckily I may have another contract starting on Monday so there is really no lapse. Even though I'm ready to just have a permanent job just for the sake of only having to be the new person one more time, I'm glad that at least I can be working. Plus the best part about temp for the mean time is that I can try out different jobs and without the commitment if I don't like it.

Other than that, I've been able to save a little. I'll find out tomorrow if I have the other temp job on Monday so if there is no lapse in paychecks I'll be able to put more away. I'm really excited to be saving again. I'll update my stats this weekend once everything gets to its destination.

Plus I'm curious about my credit report. When I checked it last year I had a 806 with Equifax. I wonder what it is now since my student loan is lower I had just started paying then, I haven't opened up any credit cards this past year, and my balance on them is relatively the same. I'm waiting until the 11th to pull it again for my 1 free report a year.
But yeah this is on my list of things to do along with filing taxes. eek!