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Back to Work

April 6th, 2010 at 09:46 pm

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 18th, 2010 at 09:16 pm

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.

Vacation!

March 2nd, 2010 at 08:38 pm

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.

Vision

February 28th, 2010 at 08:02 pm

... 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

Laughing

February 23rd, 2010 at 08:11 pm

...Because...

...my hard drive at work crashed today at 7:30 AM... about an hour before I had to be an on Ops review call going over financial data, etc. Lovely. Have you ever just laughed, even when it's not funny but it's so ridiculous you can't believe it is happening?

Thank you to all that commented on my last blog. Feeling better about it, I don't have to go until the fall. I'm considering the option of taking a few classes instead of the full load, just to test the waters out. As far as my full-time job. I'm a roughing the waters a few more weeks. I'm seeing if I can't apply to another less stressful (if there is such a thing) job.

But back to the hard-drive issue. Luckily I backed up most of my work onto the network. But a majority of my emails are gone. And of course the ones I do have are recent and I lost some of the history on some of the items that I was working on. Oh well... c'est la vie. IT had to express ship my new hard-drive overnight, so I should have it in the morning. But man, I have been having the worst luck the past few weeks. It seems like I can't win for anything. I'm probably exaggerating, but when you're in the middle of it... it seems like everything is going against you.

So that is it for the work drama.


Financial news? I haven't had the chance to really look at my accounts lately. I have everything on autopay or autodeposit or auto transfer so I don't really need to look at it. I just check weekly to make sure my paycheck when in because everything else depends on that. Hoping that my tax return comes in this week as well. That would be a nice surprise.

Til next time.

Discourged

February 22nd, 2010 at 08:00 pm

...thats how I am starting to feel.

I applied for Art school. Yes, Art school. I was accepted. I have always been artistic in the sense that I'm extremely imaginative and to the point of a day-dreamer. I do have artistic talent beyond that. I am currently work as an accountant contractor. I hate it. I can literally say I hate it. I've just started out in the field and the more experience I get the further I just want to run. It shouldn't be this bad and I'm too young to be so bitter. I stay up really late at night because I don't want to go to sleep because that means morning will come faster. Or I can't even enjoy the weekend because I'm so distracted with work and the thought of Sunday makes me cringe because I will have to go to work the next day. The thing is I don't know how I even came up with the idea about going into the accounting and finance. I mean personally I do enjoy it, but that is just managing my own books. But the dreamer in me wants to do something I'm extremely passionate about. So I casually brought it up that I wanted to go to art school and the first question was "how much is it going to cost." I guess a logical question. The thing is, I'm not asking anyone else to pay for it. If I have to take out another student loan I will. But the thing it is so annoying that my own family would rather have me suffer daily going to a job that I can't stand to save my life rather than working a little bit harder and going after what I really want. So, now I am just going back and forth between what I want to do and what I should do. I'm on the fence.

816

February 16th, 2010 at 10:18 pm

... that is my credit score! Woo hoo!

It's up from last year, when it was 7 something. (I don't have the score from last year in front).

My report says what is helping my score is..

1. I have no missed payments
2. I have established history
3. I've limited the use of my available credit
4. I've shown recent use of credit (I use and pay off each month, just to keep my accounts active)

That's pretty much all I have to update on for now. Oh yeah, I've also filed my taxes this past Sunday. I will be receiving a decent tax refund. I decided that I will be saving my tax refund most of it and I'll probably throw about $200 at my student loan, but the rest will be saved.

I will have to update more later. I'm in the middle of close week at work, so it's long days the next couple of days. But until then.

Whoa Where Did January Go?

February 3rd, 2010 at 09:11 pm

It's February already?!

January, I was so busy with work I didn't have any time to anything else really. Good for my wallet because there was no time for me to spend my money on anything.

My exciting news from January is that I now have health insurance coverage! I haven't had coverage since I left my job at the bank in April 2008. Crazy I know. Thank goodness for my strong immune system. Everyone around has gotten the flu or cold, and they had their flu shots. I have yet to get sick this winter (keeping my fingers crossed)... and I didn't get the flu shot. Lucky me I guess.


Any other major things happened in January? hmm... I am about $50 away from bringing my Student loan to under $12,000. Yay. This will happen this week since I am now contributing extra payments to bring this balance down faster. Still no credit card debt. I still use my card, not very much but when I do I pay it off right away. I just want to use it so that I can earn airline miles for future trips back to the east coast.

I have yet to do my tax return. I've been too busy to sit down and do it. Mine should be so simple this year, since I only worked in 1 state this year. And another thing on my list of to-do's is get my free credit report for the year. My mom thinks I'm a little bit obsessive about this. I actually like getting my credit report, mainly the score. It's like getting a doctor's checkup, but for your finances. Sort of. Smile

Alright, I think I'll end this blog here. Hopefully I don't let another whole month go by without updating.

Quick entry

January 5th, 2010 at 09:56 pm

...before I go to bed.

I am still working on getting my health, dental and vision insurance cleared up with the benefits department. I'm pretty sure it was an error on their part considering half of the information on the form I sent them got processed, the main part... the health insurance didn't. Strange. So I sent a couple of emails out and probably going to follow up with a phone call to get this straighten out.

Other finance news for me? My net pay is slightly lower now that half of my benefits that I elected are starting to come out. And hopefully my 401K deduction will kick in soon. Not that I want my net pay to decrease, but I guess I can't wait to not have to think about it anymore and can move on to other things on my agenda.
Plus I really want my vision plan to kick in (pending no issues arise, with the current investigation) because I have to get new glasses soon.

I am planning to get turbo tax this weekend and start getting ready to start my taxes. Most of it is pretty easy and I can usually figure out a lot of the information from my last paystub. And it's nice a lot of my accounts online have a section for Year-to-day interest and so on. So hopefully I get a nice refund that I will save half of and the other half I will most likely use towards my student loan.

And then the last thing. I am not renewing some of my magazine subscriptions. Saving some money there, even if it's only $10 for the year. The thing is that sometimes I don't even get a chance to read the magazine because I am busy doing other things. And plus it just adds to my clutter that I am trying to eliminate. Last year I got People Magazine as a gift for Christmas. It's one of the ones up for renewal this month. I didn't realize that the 1 year cost $116. That's kind of crazy, considering that I get Entertainment Weekly for only $10(52 issues just like People). So People is one of the ones that I am definitely not renewing. I can think of a lot of other ways I could use $116.

Alright, so much for the quick entry. I have to get to bed now or I'll never want to wake up in the morning to go to work. Ugh. Work. Wishing it were Friday Night right now and that tomorrow was Saturday. Smile

Savings Bonds

January 2nd, 2010 at 06:54 pm

I decided to look up the value of my paper savings bonds that my Grandma had bought for me back in 2000, 2001 & 2003.

The one that was bought in 2000 is a $500 I-Bond earning around 6.4%. And then the 2001 is a $1000 I-Bond earning around $6.1% and the last one is a $500 I-Bond earning around 4.3%. So I was thinking of cashing them in at least the that was bought in 2000. But.... now after I see the interest rate, it's a lot higher than most of my savings accounts, I think I'll just keep them in their savings bond form. Not like I'm in dire need of the money. I just was just going to use them to pay towards my student loan. But now the interest rate is higher than the interest rate on my loan.

But my first achievement on saving in 2010 is the fact that I have yet to buy Christmas paper or Christmas cards. I usually buy wrapping paper and cards on deep discount after the holidays. I think mainly just because it's ON CLEARANCE. But I have 4 boxes of cards unopened and I have about 4-5 rolls of wrapping paper. So I'm planning on being good just use up what I have instead of being a hoarder and accumulating in excess of things that I have more than enough of.

Yep, 2010 is going well so far. Only 2 days so far, but those 2 days are doing pretty well. Thinking positively, Smile. The only thing I have to do is on Monday I need to call the benefits department for my job. I got a letter in the mail today stating that I had declined medical, dental and vision coverage. WHICH IS NOT TRUE AT ALL! I'm a little annoyed at the letter because I sent in my paperwork the same time I sent in the paperwork for the voluntary life insurance and personal accident insurance paperwork that was processed according to the letter. In fact what doesn't make sense is that everything was on the same form and it was all filled out when I sent it in. So, I don't know what's up. Going to find out on Monday.

But yet until next time.

2009 Wrap Up

December 29th, 2009 at 09:04 pm

Tomorrow my last paycheck for the year is deposited into my account. And since I'm able to check the amount that is deposited before hand, I can run the numbers for my accounts and see where I landed on my goals for the year.

Savings #1: $9959
Savings #2: $3668
Savings #3: $1300

Roth IRA 2009 Contributions: $1800 (still contributing for 2009 until April)

Credit Card = ZERO
Student Loan = $12,245


2009 Savings 1-3 TOTAL = 14,927
2009 Savings 1-3 GOAL = 16,500
90.46% to goal. Shoot so close yet so far. Oh well. I still think I did pretty well considering that I took 3 months off in the year April-June to go back to Virginia.

I don't think I'm going to do specific goals for just 2010. I am just going to do milestones I think. Try to get my accounts to certain levels. I'm thinking +$1000 for each milestone

So for that,
Milestone #1
Savings #1: 11,000
Savings #2: 4,700
Savings #3: 2,300

Not going to even set a goal for paying down my student loan because whatever extra money I have left over mostly goes to extra payments. The overall goal is to pay it back in less than 8 years (since 2 year already elapsed.

Alright time to call it a night.

I probably won't blog again until the New Year.

So HAPPY NEW YEAR to everyone! May 2010 be filled with much joy and happiness! Smile

Just Caved In.

December 27th, 2009 at 04:18 pm

And signed up for my 401K at work after 3 months. At first I wasn't planning on signing up. Yup... even after all the lessons and constantly hearing about how important funding a 401K is. I wasn't planning on signing up because it was such a hassle trying to transfer over to a rollover IRA the last time I had to do that for my old job. And plus if I ever plan on leaving it's not 100% vested until like 5+ years or something like that. Plus I still don't even know if my company matches. And then the final straw was when I first got hired on I wanted to sign up. I went as far as filling and submitting the paperwork. The paperwork came back, because I forgot to fill in some information. I resubmitted and then a couple weeks later the paperwork came back in the mail saying that I had filled out the wrong form, I didn't have the most current form filled out. The first time okay. The second time I was done because I didn't understand why they didn't tell me I had the wrong form when they sent it back to me the first time. I have little patience when it comes to filling out paperwork.

So I decided that I wasn't going to sign up for it just on principle alone. And then finally I caved in. I figure if anything I can lower my taxable income. And at least I can be certain that I save 5% of my income every paycheck for retirement even if something happens that week and I can't save any for my cash accounts.

So I figure I should just stop being silly and just contribute.

In the new year, I want to be able to up my savings even more so I'm looking for ways to cut back on spending, lowering bills and minimizing my materialistic tendencies. So maybe I might commit myself to a week blog on how well I'm doing. This way I'm keeping track the entire time instead of checking in occasionally and realizing that I went way off track. Smile