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Constant State of Change

September 27th, 2013 at 08:44 am

Ok, I'm back. Well, at least for tonight. Hehe. I can't promise anything more than that, because well... look at my track record.

Of course a lot has gone on since the last time I posted back in Feb.
First things first, I didn't get cut from work, I actually got a tiny pay raise. The raise was due to another co-worker leaving, and having to take on more responsibilities. It was small, but I'm not complaining.
I'm still in credit card debt. I actually quite embarrassed about this actually, considering that I work in accounting. But, I am determined to not let it get the best of me. I shuffled a few things around and honestly, I'm getting a break in November.
And what do I mean when I say I'm getting a break. Well, the bills will end for a while. Well, the main ones anyways... rent, electricity, cable. I went back east in August to visit my mom. The day that I got back from VA, my roommate decided to tell me she was moving back in with her parents. She decided to go back home (also from VA) because she wants to go to grad school. So instead of waiting until at least the end of the year to get things settled she decided that she wanted to move back as soon as possible so she can look for a job. To be perfectly honest, I can afford to pay for this apartment by myself on my salary, BUT... about 90% of my salary would be going towards rent. And... well, I'm just not into the idea of that. And yes, I do realize that I could get another roommate, but I am not fond of the idea of living with a stranger. So, temporarily I'm moving back to my Aunt's house in November. And when I mean temporarily, I mean until I move back to VA. Yes, I have also decided to move back to VA, for various reasons. I have mixed feeling about heading back east, but that's for another post. I have a few things to wrap up here in CA before I can head back, so my timeframe is looking to be by this time next year. I won't have to pay rent while I'm living with my Aunt, but I will be helping out with the groceries and other miscellaneous things, but the main thing is that my monthly bills will pretty much be cut in more than half. I can begin to pay my credit card off for real this time.
And I guess the last thing is, my Roth IRA practically doubled, without me putting in a dime this year. Knock on wood. My Roth IRA is an investment account and one of the stocks I invested in was Tesla. I bought 50 shares at $18.64... during IPO. Yesterday the stock closed at $188.64 per share. I have roughly a 900% gain if I were to sell tomorrow when the market opens. With Tesla and a few other stocks that I have invested in, my Roth IRA went from $8,100 at the end of Jan this year to slightly over $17,000 yesterday. I haven't contributed anything this year, because I haven't been able to. But we all know how volatile the stock market is, so I'm hoping that this is here to stay, but I'm not holding my breath. I am going to be doing some shuffling around to make sure I'm covered.

So I was going to say, 2013 was kind of a bust on paying off debt. But, I still have 3 more months to make a small dent. So ONWARD! Big Grin

First Step is Admitting You Have a Problem, Right?

February 8th, 2013 at 04:41 am

I mentioned in a previous entry that I had an addiction to body products. Well, I thought it would be fun to show you my collection. I shouldn't call it collection really, I should really call it a hoarding stash! I'm not exactly sure when I started this thing about buying multiples of items, or new items before finishing the current item I'm using. My roommate makes fun of me, and tells me that I can probably take 2 showers daily for an entire year and still not have to buy anything new. In fact, I should probably be in the shower right now. lol.

Anyways, I have now put myself on a buying ban until I use up all of this, in their respective categories of course. I am planning on updating at the beginning of each month with a new picture so that you all can see my progress. Also so I can hold myself accountable.

****Picture Notes Left to Right****
Conditioners, Shampoos, Body Scrubs, Body Washes, and everything to the right of the body washes in the plastic baggies are my LUSH bar soaps and Bath Bombs/Bubble Bars.

Preparing for Not-So-Good News

February 6th, 2013 at 06:17 am

Just when I was just getting back into the groove of things and getting settled, I get some not-so-good news at work. They are doing another layoff. This time the corporate office is affected... and so therefore my job may be on the line. I was some what assured that I was going to be fine, but I can't help but think in the back of my mind... be prepared for the worst. The layoff will probably happen before the end of the month, probably before the next pay period actually. Meaning before 15th. So, if I can get past that point with my job still in tacked I can breathe a little easier. The company has decided to axe half the accounting staff so they can add more sales reps. We are already working on a bare bone accounting staff... so we shall see how this layoff changes up things.

Anyways, so me being a worrier. I have decided that I need to conserve as much cash as possible this month. Meaning, I might not be able to pay extra to my credit card this month. This really stinks, but I figure I need to make sure I have cash, so I can continue to make payments after if I end up in the group that is cut. I was already tightening the belt, but now I have to tighten it up some more.

And then... my landlord called me up tonight asking about my rent check for February. I'm really really good about mailing my rent check every month. I didn't forget, the mailman just failed to deliver it, considering I mailed my February check on the 30th of January. My landlord just lives in the next city over... 2 days max. In fact, 1 day max. So, I told him that I would get a new check to him tomorrow. I had to stop payment on the other check and pay $30.00 for a stop payment fee.

So February has seem to get off on the wrong foot. Going to work through it!

End of January

February 1st, 2013 at 03:04 am

Well, here is to the first month of 2013 down! Overall summary of the month. Decent. I spent less on food, due to not eating out. But, I did have extra spending in the household/personal care area due to having to replenish stock. Nope... I did not buy and shampoo/conditioner or body wash. Smile I had to buy the the necessities like toilet paper, laundry detergent, etc. All paid with checking account money, not on the credit card. No new items were charged on my credit card this month so I was able to pay down my credit card some. YAY!

Here are the end of month stats.

Savings #1 - $310
Savings #2 - $328
Money Market - $4,175 (+$50)
Rollover IRA - $1,098
Roth IRA - $8,148

Line of Credit Balance - $5,000 (7.75% interest) - maxed (did a mid-month borrow of $950 to help pay the credit card)
Credit Card - $6,502 (13.24% interest) - (paid $1,269 ***$950 from line of credit)
Student Loan - $7,992 (3.625% interest) *Original Bal $17,500 (June 2007)

Total Debt at the Beginning of the Month = $19,938
Total Debt at the End of the Month = $19,494

Total Debt Payment for January = $444

For February I have set some goals for myself.
#1 Of course pay more of my credit card off. Striving for at least $500. But we shall see because I just started doing my tax return, and it looks like I am going to owe the State of CA around $150 in income tax. Not sure how it ended up that way, maybe because I had 2 jobs at the beginning of 2012. But, I am sitting on my return for now. Since I will probably end up owing, I am probably going to wait until like March to file.
#2 Save at least $100.
#3 Contribute at least $75-100 to my IRA.
#4 Update more often. I have been really bad about this because lately I have also been focused on going to the gym and living a healthier lifestyle overall, which means less computer time and more going out and doing things.

Now that I have the goals, I can rearrange my budge to make it happen!

See everyone in February! Smile

Mid-week Check In

January 17th, 2013 at 05:53 am

Still sick, but doing a lot better than the weekend.

My current job has bi-monthly pay periods. So I'm getting paid this week for the 1st-15th. After sitting down and calculating this paycheck and all the money I considered spent, I have a little left over. So, I am going to transfer $50 to my money market at the end of the week.

And, to keep up with my goal to get my credit card paid off... I decided to borrow on the rest of my line of credit $900 and added an additional $50 from my paycheck to pay down my credit card since the LOC has a lower interest. So now my LOC is at $5000 and my Credit card will now be below $7K. I know it's kind of silly to use one liability to pay for another liability. But, I figure the faster I am able to get the balance down the more money I'll save on interest.

Other changes I've been making have been eating at home. To be perfectly honest, once I had moved out on my own I decided that I hated cooking. Also, I work really long hours particularly during month end close, so it's was easier just to pick up dinner on the way home. I was eating out A LOT. Well, now with trying to get back on track, I've been working on eating what I have at home. I have been waking myself up earlier in the morning just so that I have time to eat breakfast, make my coffee and lunch before I head out the door. So far, so good.

I also plan to look at my monthly expenses and seeing where I can cut back.
I'll let you in on a little secret. Well, it's not so much a secret to the people around me. I have addiction to personal care items, like body soaps, shampoos and conditioners. I mean I have stock piles of products, it's actually kind of ridiculous and I probably should seek help. But, I told myself this year, I can't buy any new items UNTIL I FINISH my stock. I should be saving a lot of money right there. Smile

Current Stats

January 13th, 2013 at 06:29 pm

2013 has been a little chaotic with work, family, and friends. So I finally getting around to the post that I said I would do last weekend. I am out of commission with the Flu. Since, I can't go anywhere and do anything, I figure it's a great time to get everything together.

Savings #1 - $310
Savings #2 - $328
Money Market - $4,125
Rollover IRA - $1,098
Roth IRA - $8,148

Line of Credit Balance - $4,100 (7.75% interest)
Credit Card - $7,771 (13.24% interest)
Student Loan - $8,067 (3.625% interest) *Original Bal $17,500 (June 2007)

And then there is my checking account where I keep the funds to pay my monthly bills.

My first area that I am going to focus on is paying off my credit card!

Where Did The Time Go?!

January 4th, 2013 at 09:19 am

Hmm... I see that I haven't posted anything in the last 3 years. 3 years. What could have possibly happened in the last 3 years? A lot. Life.

I'm no longer 24... as my info once said. I am now 27... and more broke. Getting older is not fun. More responsibilities and more bills. Yikes.

As a New Year's resolution, thought to myself that I have to get back on track! Not just for my wallet, but for my sanity.

It's really late right now and I have to go to work in the morning. So I will attempt to update more regularly and give all the dirty details this weekend when I have the chance to round up everything. Smile

Back to Work

April 7th, 2010 at 04:46 am

So I had a very nice couple of days off last week. My mom, brother and sister were out visiting from Virginia. Like I said in my earlier post that it was for my dad's 1 year. Actually April 11th will be one year since he passed away. It just reminds me how fast time flies. Because really it only seems like yesterday. All in all I really enjoyed their visit. And now I realize how much I needed it. We spend a couple of days in the city. I was sad to see them go on Sunday.

So now it's back to work for me. Actually yesterday I was back to work. Not so bad now that fiscal year end is done and over with. Not that I'm saying that I like my job again, because I really don't but I don't hate it for now. lol. I'm trying to amp up my savings.

Little savings win...
I showed some restraint and decided not to buy my Clinique product. It's their spring giveaway at Macy's. You get a free gift with purchase. Usually, I only buy during the giveaway times because I get all these things free. The thing is, I usually end up spending like $40+ every time. I was going to go when I was up in the city. But I decided that I would wait and sleep on it if I really needed it. The next morning, I decided that I wouldn't buy extra stock of my lotion just because it's their giveaway. I still have stock that will last me awhile, most likely until their next gift with purchase.

But other than that, I'm just trying to find time to do my spring cleaning of paperwork, closets and drawers. Smile

Til Next Time

Co-Workers That Share Too Much

March 19th, 2010 at 04:16 am

Have you ever had a co-worker that just shares way too much information that you ever asked for or would ever in think of asking? I have one of those. The things this person tells me is so off the wall and I spend most of the time thinking, why are you telling me these things?

Half the time she spends complaining and talking about how she wants to leave and get another job. Or how she will just quit and it's okay if she doesn't have a job because she has enough savings to last for while. And then the next moment she's talking about how she has to borrow money from friends because her mom refuses to help her out, but is willing to help out her brothers. She claims it's because she's adopted so she gets treated differently. I don't know what to say. Half of the time I try not to say anything because it just eggs her on. I'm starting to think she is one of those that feeds off people telling her that things will be okay and feeds off people agreeing that she's right and the people around her are bringing her down. I just don't get it, here I am at 24 asking her at 43 why does she dwell on these things when she says she doesn't care or it doesn't matter. I had to tell her that obviously it bothers her enough to keep talking about so telling me that she doesn't care, I don't buy it. Well, I didn't say it like that, but that was the point I was making. And then I explained that I had to get back to work.

That's it for work drama.

As far as my finances go, not much is happening there. I am just saving up as much as I can. My student loan is almost under $11,500. Yay! Hopefully I can get it under $11,000 soon!

So here are the stats, and this is as of everything that was posted today.

Savings #1: $10,891 (Milestone #1 $11,000) (99%)
Savings #2: $4,509 (Milestone #1 $4,700) (95.9%)
Savings #3: $1,474 (Milestone #1 $2,300) (64%)

Student Loans - $11,540

Roth IRA 2010 Contr. - $0
Credit Cards - 109 (something just posted, but will be paid off completely next week when I do my bill pay)

If you're wondering how I chose my milestone numbers, I just added $1000 to the ending balance at the end of 2009. I decided that every milestone is every $1000 saved. This way I don't set myself goal way out of reach. And every $1000 saved is a very good thing, lol Smile

Okay, that's it for now. Until next time.


March 3rd, 2010 at 04:38 am

I have a vacation at the end of the month. YAY! My mom and sister will be out here for a visit for my dad's one year. (can't believe it's been a year). It's not like a celebration or anything like that, but it more of the idea of just being together. Now that my brother, sister and I are getting older and starting to go out on our own, we realize after my dad's passing that it is so important for us to stick together.

I am planning on us staying in the city for a couple of nights and play around up there. My brother will be out for the weekend but not the entire week, because he has class during the week. So it will be a fun time.

That's it for now. I plan on doing an update on my accounts this weekend sometime and the progress with my 2010 goals.


March 1st, 2010 at 04:02 am

... I went to the eye doctor yesterday.

Since I finally have coverage for the first time in a long time. I figured that I would take advantage and get a check up on my vision. Not much change. Thank goodness. I decided to get new frames. Cheaper than what I paid last year for sure. $300. Last year I paid $500. The frames were pricey. But with glasses, I feel like I can splurge a little because they are on my face a majority of my waking day. I am using my state tax return to pay for these new glasses.

I received both Federal and State tax returns last week. Yay! I saved majority of it and put $200 towards my student loan and the $300 towards my glasses and that leaves me $700 for savings.

That's all I have to update on for now. Going to enjoy the rest of my Sunday evening before trying to survive the work week. lol. I wish it were next weekend already. But doesn't everyone?Smile