About Me

29 yr old female trying to keep it together. I call my financial life a work in progress because though I have always had frugal inclinations I only recently started on an informal financial education with an end goal to make my money work for me! Of course I can be weak. Thai food, traveling, self-justification and laziness eat away at my savings. But I am getting there. I think. I used to be very jealous of the Jones' but now realize that they are broke and stressed so I prefer my own progress and accomplishments. My life may not be flashy but I have seen the consequences of a high-end lifestyle. I count myself lucky to be alive and aware in these economic times because I have learned so much and believe that in the long run I will come out farther ahead from a little suffering now. As long as I am not regressing, then I am pleased.

Fun fact to help navigate my posts: BB = Baseball Boy. My husband.
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2008 Short Term Goals
[x]Eliminate Credit Card debt
[X]Get married and pay off the wedding IN FULL
[X]Travel for 3 weddings and pay for each visit IN FULL
[x]Rescue a dog and pay all costs for him/her IN FULL
______________DONE!!_____________

2009 Short Term Goals
[ ]Save ALL eBay income in 2009
[X]Get a full time job
[X]Begin saving rental income for eventual rental renovation
[X]Buy a house with 20% down
[ ]Build a $4k Emergency Fund
[ ]Save 10k towards a back deck, backyard landscaping, and kitchen redo
[ ]Save $2k toward new car for hubby
[X] Pay $50 month extra on the mortgage

Long term goals *start by 2010*
[ ]Live on one income/bank the other income
[ ]Start an IRA for Baseball boy
[ ] have 1 NSD a week

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My November 2008 Wedding:
Total $23,630...Paid in Full! And had a BLAST!

2009 eBay Challenge $100/month:
$55

2009 Mortgage Challenge $50 extra/month!
So far I have added:
$375.00 extra principle payment!
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Quotes to keep me on track:

"Save FIRST and then spend the leftover, not spend first and save what's left."

"How you spend your money today effects the life you will live tomorrow."

messing around

July 20th, 2009 at 05:01 pm

Experimenting with charts. This is from onlinecharttool.com:

BTW: Before everyone comes down on me about retirement...I am waiting to qualify for my company 401k next month before I can get a real grasp of my contributions.

Posted in Uncategorized | 4 Comments »

4 Responses to “messing around”

baselle Says:
July 20th, 2009 at 05:18 pm

Hey, the biggest hurdle to contributing to the 401K/403B is the $0 to some number leg. After that, you can always increase it - which I suggest you do gradually. I won't jump on ya!
whitestripe Says:
July 20th, 2009 at 06:36 pm

i won't say anything about retirement either- i am not really a fan of superannuation accounts (what they are here) not sure how different they are to over there, but the generalised view of 'you should put this in there for retirement' doesn't do it for me. i prefer to use different avenues for retirement funds, and that will be more aggresively pursued at a later date. superannuation is down the toilet at the moment anyway, atleast here it is.
but your chart looks fun, i might make one later on
lizajane Says:
July 20th, 2009 at 08:26 pm

The charts are kind of neat!
Broken Arrow Says:
July 21st, 2009 at 05:30 am

Hey, very nice! You're saving a lot too!

Gamecock's Mind over Money

Trying to keep life from falling apart, trying to become a person to be proud of.

messing around

4 Responses to “messing around”

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