So D(X?)H and I got our bank account situation squared away this past week. He had a previously existing account still open from before we got married, so we just split our joint balance down the middle and transferred half to his account, then took his name off of it. Closed the joint CC. We're getting there.
Still haven't moved my washer/dryer. Between the hassle of hiring a truck, the weather not cooperating with my dear sweet volunteers, and the whirlwind of my life, I think I'm just going to hire someone to do it and save myself some headache.
The last two weeks have been rough to say the least. Had a really really bad (emotional) day at the end of last week, and it happened to coincide with my boss' announcement that he put in his two weeks. We were still trying to fill *his* boss' position, so currently I'm the most qualified person in the building to step up. Which I'm now doing, at least temporarily. While there are so many good things to this (will look good on my resume, is good experience, will come with a bonus), it's going to add a mountain-load of stress on my plate at a time where I was trying to eliminate as much change as possible. I really loved my management team when I was hired on, and now both are going to be leaving or gone. I met the top candidate for the senior position and wasn't even remotely impressed, so this could be really terrible in the end. I'm trying to stay optimistic, but it's hard to not be ridden with anxiety about the whole thing.
But hey, rolling with the punches is just what I've got to do right now. So do it I will.
The good news in all of this is that the raise I was already going to fight for has a lot more leverage behind it. I had the opportunity to give them a number, and we'll see what they come back with. Depending on how all of the transition goes, I may end up looking for another job. Not ideal given I'm not sure I'll even be in this city for longer than a year, but we'll see. If I can manage to stay put while making enough money and not wanting to rip my hair out, that's definitely my preference. haha.
Now that our finances are split, I have a much more accurate picture of what I have to work with and my budget. I'm really curious to see my first utility bill - that's still kind of a question mark. But hopefully once that bill comes in and I figure out how big of a bump I'm going to see in my salary, I can be on more solid ground for planning. Until then, just trying to keep expenses low and my mental health stable.
Hope everyone had a great holiday week. Enjoy the rest of your weekends!
Viewing the 'The Budget' Category
So D(X?)H and I got our bank account situation squared away this past week. He had a previously existing account still open from before we got married, so we just split our joint balance down the middle and transferred half to his account, then took his name off of it. Closed the joint CC. We're getting there.
So here we are again – I haven’t posted in quite some time, and a big life change is happening. So I come back to the SA community. Y’all have seen me through so many life changes. Why should this one be any different? Ha.
So I’m getting a divorce. DH and I have been unhappy for a long time and grown apart pretty drastically over the last few years since we got married. It’s been amicable – weirdly, lovingly so. We both know it’s the right thing to do, and we’ll both be better for it. Our divorce thus far has been far healthier than our actual marriage. Irony and all that. Nonetheless, it has been hard. We’ve been together almost 8 years. It’s going to be a lot of history to shift away from. It’s going to continue to be painful. But I’m trying to focus on opportunity and the chapter that lies ahead. There is plenty to be thankful for. Not the least of which being our continued support for one another.
The splitting up comes with a lot of logistical stuff to deal with, and going from two incomes to one is going to certainly be an adjustment. I’m apartment hunting right now. We’re on the hook for our current apartment until the end of July, so we have some time. Just seeing what’s out there and hoping something amazing in my price range pops up… We thankfully have about $20k saved up in our joint account since getting married. We’ll be splitting that down the middle. We have no shared property, so things should be pretty easy on that end. None of our belongings will be hotly contested or fought over, so it’s really just a process of getting it all done.
I drew up a budget for myself last week and was more than a little scared about making all of my student loan payments. I’ve been paying about $600/month in minimum payments, and an additional $180 for my car. Which is a lot for just my debt… But I think I’ve worked it all out for the best. I was able to get my big chunk of private student loans refinanced (approval went through today) – which not only dropped my minimum down, but also my interest rate went from an average 10% variable to a 6% fixed. Needless to say, I’m feeling pretty good about that right now. Really happy this full-time job thing worked out for me after all. Ha. So that dropped my minimum payments down by about $150/month. Then with the money we’re splitting, I’m going to pay off one of my federal loans (about $1600) – which will eliminate a $130/month payment AND the rest of my car (about $4400). I wont have a ton of savings to show for it, but at least I know I’ll be able to cover my bills. And of course I save on interest payments.
And while I will have dropped my minimum payments, I don’t plan to only pay the minimums. In fact, I’d like to continue paying about the same amount every month as I have been. I just want to make sure I’m good even if I can’t go above my minimums. Really, I’d like to aggressively pay my loans in the coming year – in a way that I couldn’t before (both because I was paying so much, and because DH was so appalled by my minimums that paying above was not an option). My plan is to divert the majority (if not all) of my freelance income toward debt. And step up the amount of that I’m doing.
My other plan is to ask for a raise – sooner than later. I have more than demonstrated my value since starting my job, and my boss is amply aware that I should be getting paid more. We’ll see what I can swing (or rather, what he can swing).
So I’m getting there. I’m plotting and planning and trying to figure out all of the things I’ll be able to manage through it all. To be completely honest, I’m ecstatic to get to live alone again. I really enjoyed it when I did. And while of course it was amazing to have shared finances, I’m excited to have the opportunity to really dig into paying off my debt in a way I haven’t been able to. I think it will be so freeing to see it being chipped away at, and will put me in a great position for the next chapter of my life – because I honestly don’t know what it will look like or where it will be.
I’m just beyond thankfully that I’m not finding myself in an awful position through all of this. I understand that I am truly lucky (from both an emotional and financial standpoint) for things to be as smooth as they are.
There are a million things I could update here, of course. But for now, I’m going to just be excited about this bit of progress. These days, taking things one day (or even hour, at some points) at a time is where I’m at. Just have to keep moving forward. Ever forward.
Hope y’all are well, and I look forward to catching up with your posts as I become more active!
Whew! What a weekend. It was a really nice time, but very long. We clocked about 14 hours in the car total, visited 3 different cities, and ate 3 different Thanksgiving meals. I gained roughly 6 pounds over the course of it all. haha.
Trying to get back to feeling normal. All of the traveling (and eating, and drinking) had me exhausted all day yesterday. We didn't get home til 5pm on Sunday, and the only thing I had the energy to do was throw some pasta in a pan and heat up sauce. I think I went to bed at 8:30.
Yesterday at work was alright despite the tiredness. It's going to be a busy week - which I don't mind so much. I went to the wellness center after I got off, and worked out for about 1.5 hours all told. I've been really enjoying one of the pre-programmed courses on the elliptical, and it's an hour long. At the end of that hour it says I've burned almost 700 calories, so I'm really good with that. haha. Then I got on the rowing machine for 2000 meters. After working out I swung by Aldi. Managed to stay under $50 - which puts me right at my $250 budget for the month. Would have been slightly less, but we had to buy some things for our "Friendsgiving" contribution when we were out of town - and those foil pans at the grocery store are ridiculously expensive. Had I realized I would have found a Dollar Tree or something. A 12-pack was also included in that, so the total there was close to $40.
I suggested to a friend of mine we get together this week because his birthday was over the weekend. When he asked where I'd want to go out, I suggested he come over and I cook, so that's what we're doing! I'm making chicken paprikas tonight, which has been sounding so good lately with the chilly weather. Bought a bigger bird than usual so I could use part of it for a soup I'm making later in the week. I've been saving all of my vegetable scraps to make broth. Want to add chicken to it for even more flavor (and the meat for the soup itself). I've never made broth at home, but when I saw the idea to keep the ends of carrots, celery, onions, etc. I loved the idea of not letting them go to waste. So I started a bag in the freezer to keep the odds and ends. And then the same with chicken. When I trim meat, I end up just throwing little bits in the trash. Saving them in the freezer made sense to me so I could add them to the broth. Less waste is always welcome in my house.
Meals this week are:
- Chicken Paprikas w Egg Noodles
- Sweet potato and black bean burrito bowls (DH made this last night and it was great)
- Hawaiian Chicken with Rice
- Sausage and White Bean Soup
- Emergency Pizza
I'm expecting leftovers with a few of these, so it should cover us through the week. Maybe more, we'll see!
Started my little bit of xmas shopping. Hoping to finish it all by the 10th or so - then ship the box out to my mom's. Clarified with DH's family that we will not be doing gifts again this year. Did grab DH a pair of socks. Will be picking him up just a couple more little things. Putting my tree up at some point this week!
Just hoping to ride out the rest of November here without spending too much. It was an expensive month with all the travel. December may be pricier than I expected it to be, as it looks like we'll have a few visitors over the course of the month, and DH is taking another trip back to Ohio (I have my opinions on this). But I'm going to do my best to minimize all spending otherwise.
That's about it for now! Hope you all have a lovely week!
So though I've been budgeting with Mint for the last month or two - I had found some errors and needed to clarify a couple of things with DH about how things were being paid (he set up autopay for a lot of our accounts), and how often the university pays him. I adjusted my numbers and the situation isn't quite as dire as I had initially understood it to be - we can at least live off our full-time income without having to stress that one spare dollar over the budget is cutting into our savings. And if we're frugal about it, we could even sock some away in our savings. Which will be useful during the summer months when DH wont be working. His income is supposed to increase by a bit come next semester when he starts teaching, so that will also help. We can't quite sustain with just my income. Sadly, he makes about as much as I do as a PhD grad student as I do working full-time.
So with that accurate picture, I feel much more comfortable setting some goals for the next year or so. Now that I do have a full-time job, I'd love to revisit the idea of consolidating (at least my private) student loans to get those interest rates down. And I really love the idea of throwing any extra income that way so I can hopefully get rid of them some day... I'm already paying $640/month in my minimums. But it will remain like that if I don't get super aggressive.
Thankfully, I am seeing some business stirring. That last possible photography job did not end up happening, but I have another smaller gig in the works and a potential design project as well... so the networking has been paying off. This kind of work is so dependent on word of mouth. It's nice to see things picking up finally.
This week has been (and will continue to be) a pricey one. Just a lot of socializing - which means drinks, dinner. A friend of mine came through town earlier in the week. Another had a birthday. Today we're driving to Nashville for the taped table read of my screenplay (woooo!), but that also means food/drinks. Next week we're going back to Ohio for the holiday, which again... Thankfully we'll be with family a lot of that time, but not the entirety. And our gas budget is definitely blown.
I guess on the good news, I'm killing it with the grocery budget, and even with a couple small purchases my "misc" spending hasn't even kicked in because of the refund I got from my cancelled class.
Speaking of which, I got a GREAT deal the other day using Victoria Secret coupons from the mail. 20% off any item and 2 free pairs of undies with any purchase. I've been putting off buying another "everyday" kind of bra. I'm the type that wears the same one day in and day out most of the time. Which isn't good, and wears them out quite quickly. $30 for a VS bra and a couple pairs of undies was an incredible value.
Need to get a jump on my xmas shopping. Still need to get word from DH's family if we're going to do any gifts. But I for sure am going to buy something small for my mom, sister, and mom's BF to send to their place before xmas hits. And I think DH and I decided to exchange a couple small things. So there is some spending in the works.
I'm actually excited about xmas for the first time in a really long time, it just being DH and me. Our plan is to have a Die Hard marathon at home, lounging in our PJs, exchange gifts, make delicious food, and all around relax. I'm looking forward to putting up our tree. I'm looking forward to no stress. I'm looking forward to the holiday feeling like an actual holiday. It's an almost foreign feeling for me, but I can get used to it.
At any rate, time for me to get some things done before we whisk out of town for a really exciting event tonight! I hope you all are having such a great week.
Just realized it's been about a week since I last posted. I need to stay on the ball (when I'm not posting, you can be sure I'm probably spending more than I should). It was a fairly busy week, and a slightly spendy one.
I decided to forego having a drink after class, and instead spent some time with a friend (just hanging out outside of the studio). The rest of the week there wasn't so much socializing. Just a lot of work and writing. Then Sunday DH and I had our "Date Day" - which was a day trip 2 hours away to Huntsville, where we visited the US Space and Rocket Center. I'm a huge space nerd, so it was pretty fantastic. We saw "Hidden Figures" while we were there (cheaper than a movie pass at the theater), then used a Groupon gift card a friend got us for xmas for dinner. Ended up taking home leftovers that I ate for lunch yesterday.
Yesterday was a rather insane day - I had found a job posting that I was really excited for, and was doing the research I felt I needed to write a very well thought out cover letter, etc - when I realized that the application deadline was 3 HOURS later. So it was a mad rush to get all of the information together and in the online system (which takes forever all by itself), then hastily write a cover letter. I didn't even have time to proofread it... so I'm a bit discouraged by that. It's the first job I've seen posted in the new city that I was so excited about that I applied this far out. Who knows what will happen... it was just frustrating given that I was going about it the right way and trying to be overprepared - then ended up having to muddle through it at the speed of light. It makes the rest of my job hunt process that much less enticing.
After the job application fiasco I went with a friend out to some thrift stores. We were looking for a prop for our upcoming shoot. We found some great options, and I also found a pair of adorable new heels and a blazer that I think will be great for job interviews - both $6 at Goodwill.
We did our grocery shopping as well. $62 at Aldi and I think about $20 at Target (we needed cat food). We looked at getting replacement brush heads for our electric toothbrush at Target and they were $21 for a pack of 5! Did a quick search on Amazon and it looks like we can get a generic pack of 20 for $17... so you know which way we'll be going on THAT. Sheesh.
We had our "V-day Celebration" last night - which consisted of making this feta dip and eating some brie for dinner. lol. It was supposed to be our appetizer, but we were both full and decided to save our steaks. They might end up being lunch today because we defrosted them, but I'll be out of the house from 3:30 until late tonight at class and he hosts trivia tonight.
Took a look at our budget, which isn't going nearly as well as I had expected it to. Our water bill was more than expected, our internet bill made up for the reduction we had last month (should have expected that), the oil change was more than expected. Thankfully we're not crazy over on our restaurant or misc budgets, so there's that. It's just disheartening to see all that red in Mint! ha.
At any rate, I should probably get to some work. This week is going to be just as (if not more) busy than this past one!
It was a very busy and very enjoyable weekend for me. Worked Friday night, then came home and got ready for my trip on Saturday. Woke up bright and early and drove to Lexington to meet my friend from Ohio. The AirBnB was fantastic, in a great location, and perfect for what we needed. We got lunch and a couple of beers at local breweries, then spent the night in with a bottle of wine, Indian takeout, and a couple of boardgames. It was absolutely perfect.
I added up the cost - and it ended up not too bad.
- $51 for the AirBnB (friend bought my drinks and lunch to cover her half of cost)
- $5.08 for a drink and snack on the way there
- $15.80 for Indian takeout
- $10.59 for bottle of wine (in retrospect, I prob didn't need to buy a bottle. But now I have some at home)
- $18.48 for breakfast
- $20 for extra tank of gas
I think the lesson I've learned is that I could shave off some extras at meals - probably didn't need an appetizer with the takeout, or a coffee and OJ at breakfast... Ah well.
Regardless, though, the trip was a great success - and I found an audiobook at the library that I am LOVING so far, which I got over halfway through on the way there and back.
The other expense that went way above my expectation was my oil change... I was well overdue for one. This is my first since moving South, and back in Ohio I always used the LubeStop by my house - which is roughly $60 for a full synthetic oil change. I go synthetic because I can get about 6,000 miles between changes rather than 3,000. At the Jiffy Lube by my place here in TN, the full synthetic change was $90!! What?? It was most surprising because I used to work there, and I don't ever remember it being that high.
I think the worst part is that they have you get out of your car before presenting the prices - so they're already done with half of your "inspection" (again, I work there, so I should have remembered this). So by the time I got the fun news, I didn't really have time to go somewhere else, and I was already out of my car and it was over the bay. So I just went with it. Though I didn't do the full synthetic. I did the synthetic blend, they gave me $10 off, and it still managed to be $70 total.
Needless to say, I wont be returning.
I may just break down and start pricing tools so I can do it at home. I'll have to price it all out and see how it works out. Or just research competitors in the area.
Grocery shopping today - and then I think I might be foregoing the networking meeting I was planning to attend. I'm exhausted from the weekend and haven't had a full day at home in weeks, it feels like. I wouldn't mind some time to catch up on a few things and maybe, I don't know, work out... haha. That weight isn't going to lose itself!
Hope you all had a great weekend!
We're already one month into 2017. How did that happen?? Sigh. So I paid all of my monthly bills this morning and set out our budget. It'll be slightly less lenient than last month, but not too much so. Adjusted the gas budget to reflect the unexpected increase last month. Added a couple of things we know are coming up (Amazon Prime membership, a gift for his cousin who just had a baby). Adjusted the restaurant/bar budget - we're still only planning to eat out when we have company or are traveling, but we're both going to be out of town this weekend and we have friends visiting later this month. So the budget reflects that.
We decided that we're not doing gifts for Valentine's Day. We're going to make a nice dinner in - with the steaks my MIL bought us for xmas. And I'm going to make this whipped feta recipe. When we went to dinner this past month on our one date night we tried it, and it was delicious. So I'm attempting to recreate at home.
Also adjusted DH's and my misc spending money (essentially our allowances). DH mentioned wanting a little more freedom to get out of the house and go to a coffee shop, etc. He works from home and doesn't really have any friends here (as much as I've tried to introduce him to people), so he ends up cooped up most of the time. I am hoping to host a board game night sometime this month to get him a bit more social. And I think we'll be attending an Oscars party at the end of them month. It'll be good for him.
Updated my goals for February - most are holdovers from last month. It ended up being a really busy month and I while I didn't accomplish everything I set out to, I'm happy with what I did. And I'm just happy that I've been consistent in updating, because honestly it's the only thing I've found that keeps me accountable. So grateful to have you all here to motivate me!!
So that's that! Hope y'all had a great January and are looking forward to a productive February!
So here we are already. Just a couple of days left in the month! Sat down and looked over our budget and spending with DH, and overall we're pretty happy with how we did. We were over in a few areas, but there were also several things we hadn't accounted for at the beginning of the month - needing to get a new router, friends coming into town this weekend, needing to buy $50 worth of cat litter... you know. Our gas bill was also much higher than usual. Which is surprising. It wasn't even *that* cold this month. We'll see how it goes in February.
Took a look at my goals for January:
Net Gain of $1,750 in account - Actually, even with the unexpected spending, we're ending up with a surplus of $2,377!! Which is super exciting! We underestimated our income and had a couple of unexpected additions (HSA reimbursement, DH's trivia pay). So overall, really great progress there.CHECK.
Uber Frugal Challenge - I can't say this was entirely great, but we definitely cracked down on a lot of spending and were MUCH more intentional about it. This is particularly applicable to restaurant spending. It wasn't zero. But 95% of the month we cooked and ate at home. We had one date night, and the rest of our restaurant spending happened in the last two days because we had friends in town. There were some extras purchased, no doubt. DH bought a ticket to a soccer game, I bought some clothes from work yesterday ($28 for two dresses, a blazer, a pair of earrings, and a necklace) because it was our 50% off sale - and they're items I've been eyeing for months. Also, the AirBnB room for Lexington next weekend. So maybe not as "Uber Frugal" as Ms. Frugalwoods would have it, but I'm really proud of how calculated we were. So I'm calling it a win. CHECK.
Change phone plan - Nope. We really just need to get it done. Been procrastinating it forever.
Consolidate/put into forbearance gov't loans - Made some really great progress here, though it's not quite there.
Get HSA stuff figured out - CHECK.
Start GIS training (for resume building) - Not yet. Realized I had some technical issues, so I need to sit down and figure out how to install the software. Forthcoming.
Research networking opportunities in Louisville - CHECK.
Start putting together planning portfolio - Started compiling info, but haven't started actually building it out.
Edit screenplay - Still have a couple of days left in the month, and I'm hoping to get this done. Haven't quite started, but I did write an episode for a web series that a group of us is planning to shoot in the next month! So certainly haven't been idle.
So it was a pretty productive month! Even better - DH and I have been communicating much better about our finances. Which has been helping SO MUCH. He was really shocked (and happy) to see that we had such a high net increase for the month. He's on board with limiting our spending as much as possible again and only eating at restaurants when we have company. I'll have to rework the budget for February to include a few things we have coming up, but it shouldn't be too different.
Hope you all had a wonderful month!!
So - heard back from my banker friend, and it turns out that his company can't really get me a better interest rate on my loan. My credit score is fantastic (770!) and he said my debt-to-income is great too. But apparently being self-employed hurts my chances, at least with his company. However, he did give me contact info for a former coworker at another (bigger) bank, and said that I'll probably be able to get 6-7% through them. So there's hope yet for pulling things down. Though I might just wait until I secure a full-time job. I'm going to talk to her and see what she thinks. If it wont make a difference, then it makes sense to just do it now. But if it will, waiting might be worth it.
Went ahead and booked the AirBnB in Kentucky for the weekend after next. Requested the day off of work, which my boss said was fine. She hadn't actually finished the schedule, so it may not make a big difference in terms of my income regardless. One night in the AirBnB is only $50 after taxes, and we're splitting it. So it's the matter of gas, $25 for the room, and whatever I spend on food/drinks for 24 hours. For a much-needed getaway with the bestie I would say that's a steal. I'm super excited about it
Had lunch meetings yesterday and today - though today I just had a cup of soup at Panera. All came out of my business expense account, so there's that. Brought enough leftovers home yesterday so that DH could enjoy them today.
Will possibly get a drink at the bar after class tonight. We'll see how everyone is feeling. DH and I have had a rough go of the last few days, but thankfully last night we came to a resolution and things feel good again. Other than just being exhausted (emotionally and physically). So I may not feel up for socializing. We shall see.
Making enchilada casserole for dinner tonight before I head out, which should last us a couple of days at least. Tomorrow I have a shoot, so I hope the weather holds out. The rest of the week will be a balance of work and friends coming in from out of town. Not sure what the plan is there, but I'm sure we'll find something enjoyable to do.
That's about it for today. Hope you're all enjoying your week!
That's pretty much what it's has become for me now that the boutique is closed Sundays - meal planning, grocery shopping, laundry, cleaning. Feels good to get it done, and I usually work on Saturday, so it's nice to get it done.
Hit up Aldi, and I think was only a dollar or so over my budget. Spent $48.48. I think that's partially because we didn't end up cooking two of the meals from last week's menu... so they're on this week's. In the works:
- Chicken Lo Mein (I'll be making this tonight)
- Enchilada Casserole
- Chicken Alfredo w/ Linguine
- Steakburgers w/ Roasted Carrots
- Chicken Tenders w/ Tots
- Brats in a Blanket w/ Green Beans
I'm hoping the casserole will feed us 2-3 nights, actually - and we'll do leftovers and/or use the brats for lunch.
Tomorrow I'm taking a fellow BNI member out to lunch (because I forgot I needed to provide a "door prize" during my presentation this week). It'll be Mexican, so hopefully cheap. Also, we have friends that are in town for a wedding this weekend - which I forgot will likely alter our eating schedule. My guess is that we'll hit a restaurant at least once. But hopefully not more than that. We rarely get visitors, so it'll be really nice to see them. Just going to have to make the best of it.
Despite all of my best efforts to only eat at a restaurant once this month, it seems we're not getting away with it. DH has already gone out twice to grab stuff for lunch :/ And socializing makes it difficult. Sigh.
Talked to DH and let my banker friend know to start my loan application without DH's information - better to at least see what the picture looks like without before adding it in there. The fact that we got into a huge fight the other night (not about anything financial) helps me think logically about the whole thing. You never know.
He said I should hear back early this week, so hopefully it'll be news of decent interest rates. I'm only looking to do the $25k at this point - the process is easier and I'd rather not touch my government loans, just in case (though I wouldn't bank on it) there are options for forgiveness in the future.
One of my best friends from back home called and proposed we get together the first week of February - meeting in the middle, 4 hours away. Which I reeeeeally could use in my life right now. Waiting for her to send over the cabins/AirBnBs she's researched to see what the cost is. And I have to get in touch with my boss to see if I can get that Saturday off. Overall, not the best financial decision. So I'm feeling a bit guilty about it. At the same time, though, I think we could make it happen fairly cheaply. Split the cost of a room, bring our own food. I think all in all it would be fantastic.
I don't love that it's so soon, but with her babies and our schedule in March, it might be the only opportunity. So I'm still thinking that through.
Finished the Hobbit! Now to read the two books I've got from the library... Think that's about it for news!
At work yesterday our boss let us know that the store is no longer going to be open on Sundays - we extended our hours about 3 months ago, but the sales that day are so horribly low it doesn't even cover the cost of our being there. So it makes sense. I work for a non-profit, and it's no use burning up money that could be funding programs to employ us when there are no customers in the store. I'm obviously a bit sad to lose the hours - but at the same time I'm thankful to have a bit more time now that my photography is starting to pick up. It's a matter of losing about 5 hours a week. If I can use those hours productively, it'll balance out for the better in the end.
Also, I'm excited to have my Sundays back. As things have picked up, I'm finding myself needing to adjust again. When I was just running my business I had my flow. But cutting 15-20 hours out of my work-week, working on my feet on concrete has not only messed with my flow, but also my energy levels. Turns out I'm not as young as I used to be
Filled up my tank yesterday. Shouldn't be doing any spending today. Had my BNI presentation this morning, and it went pretty well. Finished up a proposal for a fellow member who wants me to build her a website. Would be a great project. Have two shoots in the works for the next couple of weeks and 3 one-on-one meetings scheduled. So networking is going well.
Had a meeting with another member earlier this week - a banker. He's planning to schedule a shoot as well, and I started talking with him about my student loan situation. After sending over some information, it looks like I might have some options! I have about $40k in student loans, with interests rates sitting around 9%. He said we should be able to refinance somewhere in the range of 5-7%, so that's exceptionally encouraging. Fixed rate, a balance that actually goes down every month? Pretty exciting to think about. So I'm having him run some numbers and we'll see what happens. The only thing I'm a bit worried about is the fact that when I do refinance, my "student loans" I assume turn into mere "bank loans." I'm not sure how lenders look at that, and I'm curious if that affects anything moving forward. Either way, however, it feels like cutting my interest in almost half, if possible, is the only logical decision to make there.
The conversation about my debt with DH is always a strained one, for obvious reasons. I know he's willing to cosign, etc. But he has no debt outside of an auto loan, and I don't think either of us is naive enough to dismiss the (minute) possibility of the "D-word" at some point. Obviously, neither of us wants that - but we're also realistic and understand that we just don't know what the future holds. It's really strange managing money as a married couple. I feel like it's getting better, but it's just so emotional and complicated. I have faith, though, that we'll arrive at a place that makes sense and allows us both to feel comfortable in the decision.
No other news except that DH did finally transfer the money from his HSA to cover his dental appointment last month. So that's taken care of. Just need to start attacking some of the other items on my to-do list! Time to get to work!
No-spend day yesterday. Had a really productive day off, and made chicken paprikas for dinner. We have a TON of leftovers, so we'll have it for lunch/dinner today, and perhaps dinner tomorrow. I think the rest I'll freeze. Certainly don't want it to go bad!
I have a meeting with a potential client here in about an hour, then a possible shoot this afternoon (we're going to see what the weather is like later today). Acting class tonight, and I'll probably head to the brewery after - purchase one beer. Still within the budget. I just need to make sure to bring snacks to class. That worked really well last week.
Had an invite from a friend this morning - to possibly go out dancing this Saturday. Not sure what I want to do. Kind of hoping that it ends up getting pushed off to February. I think I'll decline if not. I have a shoot Saturday morning, then work in the afternoon. I'l probably be pretty tired.
That's about it for financial updates. Just trying to tackle these to-do list items! Hope you are all having a lovely week!
So the last couple of days have gone okay, financially speaking. Yesterday I managed to have all of my meals at home - which was nice. I had expected to need to stop and use the McDonald's gift card I have in between work and helping a friend with a project, but I had to run home and just ate some ramen. Then we got done earlier than expected and had a snack at home before heading out to see my friend perform. I did spend $5 on one beer for that (budgeted), though DH ran out and got Five Guys instead of eating at home. Busted. I was a bit peeved. We do have some money in the budget, but I was really shooting for ONE restaurant meal this month (date night), like we had agreed... Nothing to do about it now, though.
Meal planned and grocery shopped today. Was over the weekly budget by $1.76. I'll just have to adjust for next week. The menu for the week is as follows:
- Quiche (making that tonight)
- Chicken Paprikas
- Chicken Lo Mein
- Steakburgers w/ Roasted Carrots
- Chicken Linguine
I'm thinking that we'll have plenty of leftovers at least two of those nights - and I got stuff to make PB&Js for lunch. Instead of purchasing cottage cheese, I'm going to work on eating the oatmeal we had at home. Would have been under the budget, but I forgot we needed laundry detergent and I picked up a couple extra things - though nothing crazy or impulse-tastic. I've just been craving juice for weeks. And we're out of pickles (I like them on my burgers).
Other than groceries, today should be a no-spend. I've got the day off, and I think we're just going to relax around the house. I think I'll take a nice bath at some point. I started feeling like I was getting sick last night. A nasty cough started up. But I ran my essential oil diffuser all night next to my bed and I think it helped a lot. Maybe it was the placebo effect - I don't know, but I'm counting my blessings today. I have the world's worse immune system, and the weather has been so whacky that it's a miracle I haven't gotten sick yet.
Hoping to finish reading the Hobbit this week. Have another book waiting for me at the library. I've only got one shoot in the works for this week, so I should have enough time. It feels good to have today and tomorrow free of any obligations. I feel like I needed a couple of days to recharge after a really busy week.
Hope you all enjoy the rest of your weekend!
It's been a busy week. Had a shoot on Tuesday and THREE yesterday. Which is fabulous. I'll definitely be hitting higher than my target income from my business this month! Woo!
Which is good, because we had a couple of unexpected things pop up this month. The router has been taken care of and is still going well. But I got an email from our fantasy football commissioner... and I forgot that I had to pay everyone (I'm the treasurer, and they all paid me at the beginning. Now is time for pay outs). At first I was really dismayed because I hadn't really tucked any of that money away. But it turns out I had tucked at least half of it unintentionally in my Paypal account. So not too much out of the bank account. Neither of us won. Not sure I'll be playing next year. It made more sense when we were in town and actually watching games with our friends in the league (and by watching, I mean they watched and I ate food and socialized). Away from Ohio, I just kind of look at it once a week and stress when things aren't going well. So...
Our budget is still going well. Took a look at it this morning - and the only place we're over is in DH's discretionary budget. We each had $50 this month. The router was split between. He ordered a book and bought a ticket to a soccer game next month, so he's over by about $25. I'm sitting at $5 under. I paid $10 for parking downtown last night - we had a date night and went to see the symphony
That being said, our Uber Frugal Challenge has been a bit of a challenge. We did budget for the date night, and we're still within our spending limits. The Frugalwoods don't actually budget - at this point, we need to babystep it. I work well with structure. Though, I was talking with DH last night at dinner about how I really enjoy the fact that we decided to do just one restaurant night - and did it up, so we really enjoyed it. Rather spending twice what we did on several smaller takeout trips or random nights out. I guess I'm approaching it as more of an "Intentional Frugal Challenge" than an Uber one, but we're still on course to hit our net gain. Even with the unexpected expenses popping up, we got an unexpected $250 this month (DH's trivia earnings that I hadn't accounted for and a check from dad for xmas) AND it looks like our income across the board will be more than expected, so I'm still hopeful.
Date night last night was fantastic. Things with DH and I have been really great since the start of the new year. We've been communicating so much more effectively, and the few little kerfluffles and disagreements that we have encountered were handled so much better than they have in the past. That first year of marriage was tough. But it's nice to see that we've learned a trick or two and that things are improving.
Not getting through my sidebar list nearly fast enough. Need to light a fire under myself. The time is flying by so much quicker than it used to...
That being said, off to get some things done! Hope you all have a wonderful weekend!
We survived our first Tennessee "Snowpocalypse," which was a bit humorous for us northerners. I could still see the grass through the snow, and the store was shut down... haha. I enjoyed my unexpected day off. I'm sure I'll be missing the income, but ah well.
Did our grocery shopping yesterday - only spent $50 at Aldi, which was fantastic. If we can do the same next week we'll be in good shape, as we ordered our cat litter yesterday - $50 on Amazon. It was the cheapest option, but will last us 6 months. Did I mention we LOVE the Breeze system? No litter all over the place. It works out really well for us. Particularly because our litter box is tucked in the bottom of a small closet in our super small bathroom. I was worried that the large expense in this month would throw off our grocery budget, but we're left with $60/week for the next couple of weeks, and that's totally do-able.
Meals for this week:
- Chicken Tikka Masala
- Chicken Fajita Bowls
- Steakburgers w/ Broccoli
- Pork Loin Roast
- Pork Ramen w/ veggies & Egg
- Brinner (Omelettes)
On Thursday night we're getting dinner out and going to see the orchestra. That was our one restaurant trip budgeted for this month. Purchased the tickets last month, so we should be set there.
In good news, we got our new router - the one on the cheaper side - and it works like a *charm*. So hopefully DH's work days will be MUCH less stressful with less dropped calls and shoddy conference meetings.
Finished my first book of 2017! First Lord of the Rings. Will be returning it to the library today, picking up the movie I have on hold, and starting the Hobbit - backtracking, I know, but it was available for free borrowing on Amazon for a limited time. So why not. I'll put the second LOTR on hold here so it will hopefully be in by the time I finish the Hobbit. Our library system is fantastic. I don't know why more people don't use it.
At any rate, I hope you are all enjoying your weekend! Off to work here shortly, so I'm out!
It's been a rather busy week already, and next week is shaping up to be a big photography week. I think I'm going to have 4 shoots on Thursday now (!) Which of course is awesome! One of those came from a referral from my BNI group this morning. Which is nice. My client from last week also purchased and extra photo - so that was another $50. Always very affirming when people love the photos so much that they purchase more than the originally paid for.
Following BNI I had another dentist's appointment. It had been (embarrassingly) several years since going, and I finally broke down a couple of months ago. Had to have a "deep clean" and today was a follow-up and light cleaning. I'll go one more time in April for a maintenance cleaning, and then hopefully my gum disease will be under control. But we're talking now about orthodontics. Turns out I have a cross-bite, which can lead to some nasty stuff down the road. They gave me a bunch of information and pricing on Invisiline today. I need to talk to DH about it. Even with insurance it's a hefty bill. And the man who had gone even longer than I had without seeing the dentist may have a hard time digesting something like that. He just doesn't value healthcare quite as much. That being said, I think he's got quite a bit in the HSA that hasn't been used and with him leaving his job within the next six months, it may be an option. We'll just have to see. Because he may need some additional work done as well. We really need to schedule some additional medical appointments before our insurance situation changes.
Techs from the cable company came out yesterday and it turns out they shouldn't have in the first place. It was really quite silly. They just had us hook into ethernet and see if the connection speed was where it needed to be. When it was, the diagnosis was pretty simple. Our modem is fine, the router just isn't working properly. Why they didn't suggest us doing that over the phone is beyond me. I feel a bit silly that we hadn't thought of that ourselves. But you know... I'm thinking about calling Comcast and asking them to refund the cost of the tech visit. They did nothing we couldn't have done ourselves, after all. Either way, we'll need a new router. DH priced a couple on Amazon, and they're not terribly expensive. We're going to try the cheaper option, and see if it solves the problem. It'll come out of our discretionary budget for the month.
Paid my remaining bills yesterday, but no spending outside of that. Will be the same today. I'll eat lunch before heading to work, then I'll cook tonight. And for the next few nights as well. I don't have any actual plans for the weekend outside of working, so the Uber Frugal Challenge should go pretty smoothly still. And give me some time to tackle some of the items on my January goal list.
That's it for me! I hope you're all having a great start to the new year!
So our NYE was pretty uneventful. We were supposed to go to a party, but it turns out we're both pretty lame. haha. We decided to stay in and relax. I didn't know the people at the party very well and it saved us the trouble of driving - or taking Uber, which would have cost us money. Also, we would have needed to buy something to drink ($10) and bring some kind of shareable snack ($10). So financially, it was the right move to make. We had our kiss early when we went to bed at 11:30. I think this is the first alcohol-free NYE I've had since I graduated high school. 30 really is making me boring
DH and I went through our January budget and solidified it. So far so good. Paid a few bills - student loans, cell phone. Cancelled Hulu. Cancelled Netflix, but I think our friend is taking over the payments (he shares it with us). Need to pay my car payment still and a few other things. Will do that today.
Went to Kroger on the 1st to get food to cook that night (the pork roast I had bought had a really funky smell when I opened it. I don't think it was sealed properly, so we threw it out). So we bought dinner for the night, pork and cabbage. And a few odds and ends and made our list for Aldi - which I hit yesterday. And then Kroger again because I needed stout beer to make the Irish stew I had planned. So our total grocery spending for the week is $76. Which is right on track.
This week's meals:
- Pork & Cabbage (made)
- Irish Stew w/ Mashed Potatoes (made, delicious)
- Steakburgers w/ Broccoli & Cheese (MIL bought us a bunch of steaks/steakburgers for the holiday)
- Chicken Tikka Masala (got a sauce from Aldi last week)
- Perogies & Brats
- Chicken Tenders w/ Sweet Potato Fries (our "emergency" junk food)
Had quite a bit of leftovers from the stew last night. So we'll either eat that for lunches or not cook tonight. I try to include a mix of easier, convenient meals that DH can cook with more complex meals that I enjoy cooking. And always include one "emergency" frozen convenience meal that holds us over if we're craving takeout. Like a pizza or orange chicken from Trader Joe's. This week we went with breaded chicken tenders and sweet potato fries. Not healthy. And not always the cheapest -but realistic and WAY healthier/cheaper than what we would get with takeout.
We are doing the "Uber Frugal Month," and I have been reading along and doing the exercises. But I'm still making some minor tweaks. Like, we went to Starbucks yesterday, to sit and read, because DH wanted to and because we have gift cards from a year ago that we were able to use. DH has been more cooperative than usual in all of this frugality, and I like to embrace frugality as intention. Keeping it balanced.We still each have $50 of discretionary spending budgeted in, just in case. Hoping to keep that mostly unspent, though.
Speaking of coffee, though, I think our Keurig might be biting the dust. We don't actually use k-cups, but use the refillable one for regular coffee (well, my favorite Trader Joe's fair trade shade grown Ethiopian coffee. I've done the math. Still cheaper and better for the environment). But in the last couple of weeks it's been getting strangely weak. I bought some k-cups at Aldi yesterday to see if maybe it's the reusable k-cup pod, but it's still weak. Better, but weak. I've tried all of the Googling. Cleaning out needles, etc. But it looks like I may have to call them up. Not sure it's in warranty or not. We've only had it a couple of years. Hopefully they'll be able to do something for us. Not sure what our alternative will be.
In other things not working well, we're having a tech come out from our internet provider. We've been paying for a certain level of speed, but when we do the checks we're only getting maybe a 1/4th of what we're paying for. Which would just be annoying for me, but because DH works from home and has conference calls on the regular, it's been negatively affecting his day. Nobody can hear him, or it's completely spotty. It's a mess. The cable company was trying to get us to upgrade... but that hardly seems the problem if we're not getting what we're already paying for. So hopefully that will be sorted out. And the cost of the visit (while partially credited by the cable company) has been factored into our budget.
Today my plans are pretty chill. Have some editing to do from a session last week. Tonight I'm photographing a friend's performance. He wont be paying me much, but it's something. My alternative would have been going to see DH at trivia, which would have meant buying at least one drink. I want to support him while he's hosting (it's out of his general comfort zone), and I do so love trivia. But I also don't want to go by myself and never got around to wrangling people to go with. So it looks like making money trumps spending.
All in all, I'm thinking it's been a great start to the New Year! Relaxing, for sure. And proactive. Hope y'all are having a similar experience!
This year was a pricey one. Moving from the glorious land of low-property values to Nashville (a booming market with a constant influx of people) meant doubling our rent payments halfway through the year. Our utilities were pretty consistent with Ohio, but moving to a new city means getting out and exploring our new home... and spending a whole lot of money eating at new restaurants, visiting new bars, etc. Combined with the fact that we just weren't really watching our spending and I was unemployed for my first 3 months here (with no network to build my business on), it was a bit rough for sure.
But we're starting to right ourselves and plan for the future, now that our lives have a clear trajectory, as DH was accepted into his PhD program.
So. Many new changes on the horizon. And many big questions: When will DH officially quit his job? When will I find one? What will our expenses be like once we do move? How much money will I be making? What will our benefits look like?
The move will happen the last week in May, which really only gives us 5 months to answer those questions, plan our strategy, and execute. That's not a whole lot of time at all. I feel like the last 3 years have included big events we've had to plan for - the wedding, the move to Nashville, and now the move to Louisville. Thankfully, his program is 3 years. So we'll get two that should be "business as usual." Unless a baby sneaks its way in. But as of right now, that's not in the game plan.
All that being said, the focus right now is on saving money to account for some of those question marks. What we DO know is that we will definitely be moving when our lease is up, by the end of May. DH wont start classes in the fall, and thus he likely wont be getting a stipend until then (and we're still waiting to hear back that he's getting one for sure). We expect the stipend to be between $18-20k/year. I also know that DH doesn't want to continue on with his job past our move. So we'll be losing a big chunk of income then. All that basically means that it's imperative for me to find a full-time job as soon as possible - and we need to plan for the just-in-case it takes longer.
We do have some money saved up, but I'd rather not touch it if possible, of course. And there are some things that I think we'd like to do prior to the move - just in case it's harder to do after. Things like funding our IRAs for 2017 (if possible), making any doctor's appointments that need to be made, etc. We've talked about making one last big trip, too. But after a conversation this morning, it just seems like putting it off to the winter makes more sense. I think we're going to do a trip for xmas next year instead of trying to fit one in the middle of such a big transition. We may be taking a trip out to California for his cousin's wedding, but even that is a bit up in the air right now. We priced tickets, and it'll run us up like $1,000. They came to our wedding, but their parents paid for the tickets. It's also about a week before we move, and not great timing. We're not actually close to them, either (I met his two cousins at our wedding last year). So we're going to wait that out a bit and see what the best course of action is.
The nice thing is, once we move we'll be cutting our rent in half. We've started looking at apartments in Louisville, and it seems that we'll be able to find something great within our price range. And I think we're both ready to make some sacrifices there, given that we'll both be working out of the house. Having a lot of room was important to us here - but we both work from home.
I worked out what expected monthly expenses will be in Louisville, and it comes out to be roughly $3,500/month. If I can get a job making at least $40k/year, that should allow us to cover our expenses and put away a bit along with DH's stipend. And I'll be doing photography as a side gig, so potentially we could put away even more. But we'll see. I'm *hoping* I can find a job making at least that much. At this point there are no guarantees.
So we've got some goals in mind for 2017:
[ ] Adhere to monthly budget, continuously
[ ] File taxes by March 1
[ ] Ideally, save an additional $5,000 prior to June 1
[ ] Find an apartment in Louisville for $1,000 or under
[ ] Find a full-time job at $40k +
[ ] Take a trip for xmas (probably Thailand)
[ ] Fully fund IRAs for the year
[ ] Consolidate student loans
And some goals for January:
[ ] Uber Frugal Challenge
[ ] Change phone plan
[ ] Consolidate/put into forbearance gov't loans
[ ] Get HSA stuff figured out
[ ] Start GIS training (for resume building)
[ ] Research networking opportunities in Louisville
[ ] Start putting together planning portfolio
DH and I went through and set up our budget for January. I cancelled Hulu and we'll be doing the same for Netflix. We have Prime and HBO already, so it seems like opting out of these two for a month will be an easy way to save about $20. We're also going to shoot for eating at a restaurant only one time this month. We're going to see the symphony play on the 12th, so that'll be our fancy date night. Otherwise, we're cooking at home. Nobody is visiting this month, and we're not taking any trips - so it should be pretty simple.
I also set our grocery budget to $300. Our "grocery" budget includes toiletries, cat food, and cleaning supplies, etc. So it'll be tight for sure. We just need to get creative. My mom was the master of inexpensive meals growing up. I've learned from the best. And I love a challenge.
As for personal goals, they're the same as they are pretty much every year. Live healthier, embrace my passions, work on myself and my marriage. This past year I didn't do a list of resolutions and instead decided to keep track of the things that I did during the year that I particularly loved or was proud of. It's a pretty amazing list for 2016. I have a feeling it will be the same next year. Photography will take a smaller space in my life, but I see it as an opportunity to focus more on what I love about it. My acting and writing are just getting started, and I'm excited to see where they take me moving forward.
There's a lot to look forward to - and so much to do!
So for the very first time in a long time I have no editing to be done! Just finished up my last wedding of the year and a portrait session from last week, so there are no outstanding tasks for my business. Feels good to zero out
So right now all tasks now are mostly related to getting ready for the holiday - baking cookies, getting cards written, presents wrapped, etc. Need to have all of it done by tomorrow afternoon. Then I go to work, and Thursday morning we leave for Ohio. It's going to be a very busy week, but I'm looking forward to seeing family and friends. And I'll be getting a lot of time with my SIL, who also happens to be my bestie. So I'm thrilled.
Had a busy but productive day yesterday, also with a little break to go see Rogue One I thought that by going at 10:45am that we would get some sort of matinee pricing, but it still ended up being over $10/ticket. And we did splurge on a medium popcorn and drink. For me, the popcorn is half the reason I go, and I absolutely adore going to the movies. I just wish it were cheaper. Friends ended up inviting me to see La La Land in the evening, but I had to pass. The sting was enough the first time around. DH wanted to go do bar trivia last night, but I suggested we just play our Xbox Jeopardy game and have a couple of beers at home. So that's what we did.
Hit Target yesterday to grab a few things for treat bags and printer ink. Had to send out a gift card to a client in time for xmas. Shot out all of my mailed xmas cards today along with that.
Moved some $ around today, because I got two client checks in the mail. I'm all paid up for the year now as well. Things are falling into place My income this month is going to exceed my goal by quite a bit, and I'm pretty excited about that. Not all of it was generated from new business, but still.
Took a look at the budget this morning, and we're actually looking really good. There are a few areas that have went over - but also several that are leaving us with excess, so I'm interested to see what the final totals for the month will look like. With the trip back home coming up, our spending will definitely see a spike. But we're at least keeping an eye on it.
That's it for now! Hope you all have a great holiday!
Been a good week so far. Did my grocery shopping the other day, and we're doing well cooking dinner. Made lemon butter chicken last night and it was pretty fantastic! It's been a while since I've tried a new recipe or made anything "fancy" (DH's word for anything that isn't a one-pot, crock pot, or convenience meal. lol). It was fun to get back into it. I really do love to cook. I've just been struggling with the energy to do so since starting the PT job. It's taken me a few months to adjust, but juggling the job, the business, and my newly budding acting career is starting to get into a rhythm. The home life has fallen by the wayside, but I feel like I'm starting to strike a balance.
Met with the student loan consultant, and was met with good and bad news. The bad news is that apparently refinancing private student loans is rather difficult - even with a cosigner. And because I've been self employed/only work PT, it will be difficult to do so. However, he said the good news is that "I don't have that much" (apparently $40k is bush league in his industry. lol) and once I start working FT, it will be much easier. I'm planning to get a FT job once we move anyway, so he said to wait until about 6 months after I secure that and try to start the process.
He also suggested some options for consolidating my Stafford loans, which could allow me to put them into forbearance for a few years - so I could focus more heavily on the private loans (which have almost double the interest rates). So I'll be looking into that.
The consultation was free, and everything he suggested I can do on my own, so overall I think it was a worthwhile inquiry.
Spending otherwise is going fine. I did end up buying a few things at Target this week - finishing up DH's xmas shopping, replacing a pair of black pants that ripped a couple of weeks ago :/ , and buying a new top for my headshots on Monday. I do need to return a few things, which is weirdly exciting. haha.
Our income expectations were exceeded across the board, which is fantastic. I've had several more inquiries for headshots, which feel so good. In fact, one of my clients I shot last week loved her photos so much, she purchased two extra - so an extra $100! That feels pretty amazing.
I got my headshots back and loved a handful of them (I'm THE pickiest person when it comes to photos of myself - a fun combination of being a photographer and super critical of my face. haha). And I attended an improv class for the first time. It was free, and an absolute blast. So much fun.
Hope to start talking to a talent agent soon. It would be great to start actually auditioning soon. ha.
That's it for me! Hope you all are staying warm.
I don't think I'll ever get used to the time flying by so quickly. Sigh. Nonetheless...
Things have been a little nuts this last week. DH went back to Ohio for the weekend. I had a friend in from out of town stay over for a night. So it was definitely a bit spendy. That being said, we're still within the limits of our budget.
Made some headway on the xmas spending. My giftcards from Swagbucks finally came through - so I bought my mom a pressure cooker and my sister a video game. My brother called yesterday to discuss, and he actually went half in on the pressure cooker, which was nice. It was a bigger ticket item than I had planned on getting - and she gets something that she wants and will certainly use. He asked what I wanted, I suggested a GC. I asked him, he said a GC. In the end, we decided to each just keep the $25 we would spend on each other and call it a day. lol.
Bought her BF a giftcard, got DH's last gift. And it appears that we're not actually wrapping ours... lol. So I'll probably be returning some wrapping stuff back to Target. I do need to fill out my xmas cards for family not receiving gifts (we opted to not do an exchange) and find small gifts for two friends back home. But that's about it.
My meeting with my financial planner friend was really good. Because we're moving, he knows that we're not going to become clients - but he was really generous with his time and was able to connect me with a consultant that works specifically with student loans. He hasn't worked with this man personally, but other colleagues in his office have with good experience. So I've got a meeting Wednesday to see what he might be able to help with. $600/month in payments just isn't where we want to be, and will likely be unsustainable moving forward. Also, 10% interest rates are absurd. I was in undergrad, with no credit, no co-signer, and unmarried when I originated those loans. I feel like there has to be a solution that will improve the situation now that all of that I'm in a much more financially secure situation.
As far as the rest of my short-term goals, we are within the limits of our budget. Have not made it out to T-Mobile yet. I dread interacting with phone companies, but I need to just bite the bullet. Hit my $1k goal for the month. Just need to move some cash around so it's in our joint account.
Today I'm getting coffee with a friend, then hitting the grocery store. Made my list/meal plan last night. Tonight I have acting class, then will likely get a drink after class. But I'm going to limit it to one. It's just been a few weeks since we socialized after class. I'm missing it.
Overall, I'm feeling good about our budget/spending. When we actually keep an eye on it, we do so well. We just need to stick with it.
At any rate, I hope y'all have a great day!
This past week was pretty fantastic, spending-wise. We made a meal list for the week, spent $50 on groceries, and cooked every night. Last night we made enough food to have leftovers, so those will be lunch today. Tonight we have an xmas party to attend, so we're doing dinner at the restaurant where it'll be held. Then heading to a bar after. Tomorrow, we have one meal left that will also likely render some leftovers, so actually, we're probably covered until Wednesday.
Did hit Target to get wrapping supplies, cat food, and some clorox wipes. Yesterday I met up with a classmate at a coffee shop to rehearse, so I spent about $14 on breakfast and a fancy coffee. I could have gone with better planning there and eaten beforehand, but hindsight...
We have a hold on our xmas spending - just waiting for my Swagbucks GCs to process.
This coming week will be pricier - DH booked his flight back to Ohio yesterday (took the cost out of his savings). But obviously, he'll be out at restaurants and bars with his friends for two nights, so there will be a bump in the spending there as well. We did account for that, though. I also have a girlfriend coming into town on Saturday night, so I will be out and about as well.
A week from today I have a photo shoot - but this time, with me as the subject... which is a bit more intimidating for me. haha. I've been in acting classes for about 6 months now, and want to look for representation, so it's about time. I struck a deal with another photographer, who is giving me a discounted rate in exchange for some guidance on getting into the wedding business. So that's nice. But I'm admittedly pretty nervous. I don't feel super confident about my weight, and plan to spend the week being good - which should actually help me wrangle in the spending on alcohol as well. Those are calories I certainly don't need.
DH's interview with the university is this afternoon, which is really exciting. We spent last night going over some questions they might ask him. I'm incredibly confident that it's going to happen for him, but I know we're both ready to put the anxiety of "IF he gets in" aside and operate on the concept that we will be heading there in just 6 short months. It'll make planning that much easier, anyway.
I have been starting to look at job postings, just to get a sense of what's available, and the type of planning community and institutions that are there. Also starting to come up with a strategy for beefing up my resume. Because I've been out of school for a few years and not working in that industry, I should really become more familiar with what has changed since then, new trends, and perhaps do some training in GIS - which I never actually studied in school, but I've come to find from friends who did that it's pretty much a necessity for any jobs out there (too bad our program didn't stress that). Luckily, a new licensing option for the industry standard software is only $100 for personal use, with online education included. So it'll be far less expensive than expected.
So that's that! Just need to keep my eye on the prize, and we should end up within budget.
Hope y'all enjoyed your weekend and have a great week ahead of you!
So I sat down and laid out a gameplan for my xmas shopping this morning. We had already budgeted, based on our expectations - $350 for everything. We had set a general amount of $75 for each other. His family decided we're not doing gifts this year, which was nice. I plan to write out nice cards for everyone, and maybe make some goodies. But no wrapped presents. For my family, I only really plan to buy for my mom, mom's boyfriend, and my sister.
Talked to mom about their lists (both on Amazon) and what figure we're shooting for. Which wasn't super clear, but it all worked out in the end. I think we're going to get her a pressure cooker as a joint gift from us both, a game for my sister as a joint gift, and then a gift card for her bf.
I had about 18,000 Swagbucks from booking vacations earlier in the year, so I've redeemed them for $125 in Amazon gift cards. I'll use those to buy gifts for my mom and sister. I'll end up spending a bit more than I anticipated, but given that it's not coming out of the bank account, that's fine. They're gifts they'll actually enjoy - and ones that I think will be good for the family. I'll make a point to remind my mom to use the pressure cooker next time we visit. And the game is something we can play as a family while we're there.
My family relationship is really stressed and awkward, so I'm trying to bridge some gaps and strengthen where I can. My brother and dad will get a nice card.
So. We're looking at:
- Hoodie (ordered today): $56
- Belt (need to get): Hopefully around $20
- Shot Glass (his silly little surprise gift, ordered today): $16
- Clothes (from where I work, so I get an employee discount and we have a $5 off coupon): $35
- Mascara (been meaning to get it, so I asked instead): $26
- Some little surprise gift (no idea, so...): Hopefully not more than like $20
Mom (joint gift): Pressure cooker, $89
Sister (joint gift): Game, $47
BF (joint gift): Gift Card, $25
Friends (need to order): Family Cookbooks, 7 all together, including shipping: $55
Total: $389 - Amazon Gift Cards = $264
So that gives us a pretty nice cushion of $86. Which will also be used toward gift wrap, cards, supplies for baking, etc. And I have a bit more Swagbucks that I could use for a $25 Target giftcard to offset that as well. So we're looking pretty good there.
We also got two sets of Duplo blocks for a 3 year old foster child that my acting studio sponsored (along with several other kids). Those were under last month's spending, but I love that we were able to do something charitable.
So that's that. I just need to get things ordered and packaged, and those cookbooks designed so I can get them printed and shipped in time. As soon as my gift cards come in, I'll get the family gifts and we should be good to go.
Hope everyone's holiday season is progressing nicely!
So it's been a whirlwind. The last time I wrote here was in April, and how things have changed. Financially, of course, for the negative... because that's what happens when I stay away from SA for too long!
Not to say that we're in a dire situation. There's just so much to be said for the power of tracking things.
SO. Turned 30 in May (woo!). We moved to Nashville in June. Things have been going well for the most part. The transition was difficult, at least more difficult than I expected it to be. We've learned a lot and made a few mistakes, but overall our life here is pleasant and we like the people we've met. It's been an interesting change.
Running my business here has been challenging. Starting from square 1 is never easy, but I realized that I needed to get a part-time job to supplement my income - so I did that. I'm working 15-20 hours a week, and business is finally starting to pick up a bit. That being said, our living expenses are MUCH higher than they were in Ohio, and things are a bit stressed. Particularly because we've just kind of been willy-nilly with the spending. That has to stop because...
DH is planning to go back to school next year. All of his application materials are in, we're just waiting to hear back. I'm very confident it's all going to work out, but we're not counting chickens quite yet.
That being said, he also desperately wants to quit his (well-paying) job. In fact, he's desperately wanted to quit for a couple of years now. It's getting to the point where it's more of a need than a want, though. We have a decent chunk in savings, but we're looking at ways to make that possible for him - so it will stop having the negative effect it's having on both his own well-being and our marriage... Some creative thinking is in progress.
Him going back to school means another move in 6 months, so I'm trying to wrap my head around that and figure out what my next move is, professionally. Using that master's degree seems the logical way to go - so I'm doing some research and investigation while we're waiting to hear back on his (hopefully) acceptance.
Also, we've been doing a lot of traveling back to Ohio, out to Denver, and a few other places. Things are finally going to start leveling out after the first of the year, and we'll for the most part stay put. Which will do wonders for both our sanity and budget.
So yeah! Lots of change, and more to come. It's been super challenging trying to wrap my head around it, but we're getting to a place where the vision is at least somewhat formulated. Which makes me far less anxious.
While we're in this waiting period, though, we need to get really focused on putting away as much as we can. Last night we sat down and went over our budget (nonexistent for a few months). We're scheduling doctor's visits in the event that he does leave his job. And he'll start applying for jobs as soon as we get the green light on his schooling.
So that's that. We did manage to start me a Roth IRA, so we've both got retirement accounts now. I'm talking with the financial planner in my networking group about some student loan consolidation. So things are at least in progress. It feels good to have a clear picture and set of goals. We just need to get focused on meeting them!
More to come, then. Excited to get things under control! And consistently under control...
Missed y'all! (I can say that now, I think?)
So here's a recap of our budget/spending:
We're in the red in a lot of categories, but overall we're under budget. I think that's partially because of the credit card thing - still not 100% sure how Mint handles those payments (it's wonky), but starting next month, we wont have a CC payment to worry about. So problem solved.
For most of the categories in the red, it's not by much. But I still want to be more diligent next month. A couple of unexpected things came up: one of my student loans became current again, so I had to start contributing to it again. Another came out of forebearance, so it'll be even higher next month. A goal for May is going to be consolidating at least my private student debt so I can try and secure a lower interest rate. I took a look and my biggest loan at the moment has a 10% rate. That's ridiculous. At this rate, I'll be paying them off forever.
Our "Misc" budgets (basically our individual allowances) were both over. DH decided to do a couple of online courses to get ready for his PhD program and opted to do the certificate tracks - $128 out of pocket. And I ordered new glasses - $102. Decided to try out another online retailer, and that $100 got me two pairs (I'm guessing one of them will go back). I usually spend about $160 for one pair, so it seemed worth it to try. Haven't had a new pair since 2013 and the screw is coming loose on one hinge. They've been on my "to buy" list for months. It's time.
Our restaurant budget was over by almost $30, and that's something I'd like to again be more diligent about. Though for the last couple of weeks we've been cooking almost every day...
May is going to be an interesting month. We've got a trip to Nashville planned to go look at apartments, which means extra gas, restaurant meals while we're down there. Both my sister and DH's sister are graduating, so there will be a couple of gifts. We've got our trip to Mexico at the end of the month. That shouldn't have too much extra cost associated, as it's an all-inclusive resort. I know DH wants to do a tour one day, but I do not. lol. I want to relax for 3 days.
It's also my birthday at the end of the month, so there will be some kind of gift or celebration there, I'm sure. We're doing dinner for my buddy's birthday at a fancy restaurant as well.
So with all of that extra stuff, the work will be trying to minimize everything else. Making sure our grocery budget is stretching and we're not eating at restaurants otherwise. I'll sit down tomorrow to actually map out the budget, but it's good to anticipate some things in the meantime.
Today is my first wedding of the year - one of only 6, and I'm happy to start getting them done. It's going to be a long day, and I'm hoping it goes by quickly.
Dietbet is going really well. I'm far past my bet goal weight, and nearing my actual goal weight of 155lbs. I've reached a number I haven't seen in a couple of years, and it's really exciting to see the progress. Hoping I can hit this goal before my birthday!!
That's about it for now. Hope you all have a great weekend!
I can't believe the month is almost over! It really has flown. Today is already such a beautiful day, and I'm going to take advantage of it by walking to the library and doing a tiny bit of grocery shopping. When I sat down to do my meal planning this morning I realized that we have almost everything in the house we need to make dinners this week! So the grocery run will be pretty tame. This is good, because we've only got $38 left in the grocery budget.
So meals on the list this week:
- Grilled Salmon & Broccoli Tots
- Scrambled Eggs with Veggies
- Roasted Carrot Salad (leftovers we still need to finish)
- Chicken Stir Fry
- Apple Cheddar Salad with Soup
Breakfasts for me will waver between a hard boiled egg and oatmeal. Lunches will be leftovers or veggie burgers with a side of veggies.
I'll be out two nights this week (networking meeting and shooting a wedding on Saturday), so I'm also going to pick up a few lean cuisines for DH, just in case. I like just having them in the freezer in case we don't feel like cooking anyway. Going to hop online and see if I can't find any coupons for them.
Yesterday had my date with the SIL - two movies and dinner. She paid for dinner and the second movie, mostly because she was 30 min late to the first one and felt terrible. I tried to protest (it wasn't a huge deal), but in the end I was appreciative. I only spent $7 on the one movie ticket and I filled my car's tank as well. We saw the new Huntsman movie (which was not all that great) and The Boss (which was really funny). Had lebanese food, and did indulge in splitting one small popcorn with her. But overall the eating is still going well. I just need to get back on the workout train. This walk today should help!
Have a shoot this evening, which will bring in about $500. I also spent some time yesterday on Freelancer.com looking at some opportunities, and it seems one person is interested in hiring me for a project, so there could be some additional income there. We shall see.
That's about it for financial news. Hope you are all enjoying your weekend!
Alrighty, taxes are filed and things are back to normal! Woo! We got sizeable return from state (about $700), owe about $200 to city, and will be getting a small $200 refund from the fed. All in all, a completely successful tax season! Particularly considering that I thought I was going to be $8k out of pocket... sheesh! Now I just need the invoice from my accountant to know exactly how things pan out, and I'll start to use those funds I've been saving (about $6k right now).
I think I want to pay off at least one of my CCs with the funds, the one that isn't 0% interest for the next 10 months. Then we'll save an additional $37 every month on top of that. Things are looking good! After that, only one more to pay off and I can start laser focusing on my student loans. Hooray!
So looking at my long-term goals, I no longer need to save for taxes (I'm already setting aside a percentage of income in a savings account for 2016). We have far more than $1k in the bank that we could use for an emergency, though I'd like to start talking with DH about setting specific savings goals...
And now that we have a few months' worth of financial data in our mint account, we can look more closely at what we'd like to change in terms of our spending and saving. It's a great place to be!
In other financial news, DH and I both signed up for Dietbets - he did 2 games, and I'm signed up for 3. So we're $150 in. I think we'll both have little problem making our goal weights, so hopefully that will yield a nice gain. And we'll both be a bit closer to where we should be on the scale! Win-win.
The budget right now is looking okay... We're past the halfway point in the month, and definitely coming close to maxing out most of what we've allotted. We were about $40 under on our heating bill, so we'll adjust for next month. Our discretionary spending is close to maxed, but I'm confident that we can pull through. Groceries might be problematic now that we're trying to eat healthy... but I'm going to try and be smart about it and get a little creative so I don't go over. We're doing a lot of cooking this week.
At any rate, that's where things stand now! Hope you are all having a lovely week!
I absolutely love running my own business, but of course there are some hiccups. Today I'm feeling one of them. I had an acquaintance I used to work with contact me about taking headshots for her office, which was great! Until I sent an estimate and she realized I charge a bit more than she expected. There's nothing wrong with that, of course - I'm not in everyone's price range. That being said, my rates are far from astronomical, and the group rate that I offered originally is more than reasonable.
She asked for a discount because they are a small business, and I reluctantly agreed to it - mostly because she referred me to another client that has generated quite a bit of income for me, and I wanted to make sure that relationship stays strong. She owns a PR firm with a handful of employees, and the job seemed straightforward. But then she seemed to pile additional expectations on and has been the highest maintenance client I've ever had...
Needless to say, I of course am appreciative of the income, but I'm really regretting taking the job because it's going to be far more work than it's worth. I've been trying to reign in her expectations as nicely as I can, but I just want to ask her how she would feel if someone approached her to do work, immediately asked her for a discount, and then piled on additional work outside of the purview of the original scope of the project. It feels really disrespectful and insulting to me, particularly because I'm also a small business owner. A much smaller business at that.
Sigh. Rant over now.
In positive news, though, another client (a member of my BNI chapter) posted the photos from his shoot last week (that he paid full price for) and got a lot of attention on his social media channels - to the point where a few people even asked him for my contact information It's nice to feel like my work is valued and appreciated.
In other interesting news, I applied for a part time job in Nashville. I know we're still a few of months out from the move, but some places take a while to hire and I figured there was nothing to lose. May as well start poking around and seeing what's out there. I'm feeling good about changing things up in my professional world, and part-time will still give me the space to get out and grow my business in that market as well.
Re: the budget, things are looking fairly okay... This week we've been doing fabulously with cooking every night. Last week pretty much entirely killed our restaurant and bar budgets for the entire month. DH went out for the home opening game and it would seem went a bit crazy. lol. My student loan payments went up this month - one fell out of forebearance, and another is finally caught up with payments I made ahead, so it's kicking in monthly again.
I did break down and buy a couple of pieces of clothing the other day, too. That still keeps me well within budget - they were preowned, and one was fairly planned anyway. I've been looking out for a dressier tank top for months. The dress I bought was a great deal and difficult to pass up. But again, well within budget. So I can't beat myself up *too* badly.
Other than that, all things are normal. Made my car payment today. Went to Aldi to get a couple of things I had forgotten the other day (k-cups, olive oil, toilet paper).
Tonight I'm cooking white chicken chili and bringing some over to our friends that just had their baby. We'll probably spend a little time hanging out over there. This weekend is going to be action-packed, it being DH's birthday. All of his gifts are purchased for the most part, save a few photo frames for the posters I had printed. I'm also going to make a cake to bring to the party. I do need to collect money from the other guests to pay for the remaining costs of the party, and should get on that soon...
That's about it for now. Hope you're all having a lovely day!
Alright, things are finally starting to feel normal again. We've been back from vacation for a couple of weeks, and my routine is
settling in again.
Didn't do much this past weekend. Our friends had their baby on Friday (April Fools! But really, they did. lol). Went to the hospital to see the little one, then went out and did karaoke. Saturday I spent cleaning the apartment and doing laundry, which literally took all day. Between being gone for almost 2 weeks and the slump we've been in since we've been home, there was much to be done. After all that, though, we ordered takeout and I fell asleep on the couch around 9:30. heh. Yesterday I went to a baby shower, then we kind of bummed around all evening.
DH and I sat down and looked at our spending for March, and it wasn't pretty - mostly due to spending on vacation, but also because we basically ate at restaurants for the whole time we've been back. That was a bit rough to see on the statement.
That being said, I took the time to do some meal planning and went to the grocery store today. We're covered on dinners for probably a week now. It was German week at Aldi, so I got a few extras that we can use for meals next week also. Tonight I'm trying out a new recipe for a roasted carrot salad, and I just put a loaf of bread in the oven. Also tried a recipe for compound butter - delicious fresh honey butter on that fresh baked bread is going to be heavenly. Having a couple of friends over, so I figured why not do something a bit special?
DH's birthday is on Saturday, and I already got his gifts. GRE study materials and poster prints he's been wanting for a while. We're also having a party at this entertainment complex with laser tag and a skating rink and a bunch of other stuff. A 31st Birthday celebration fit for a 12 year old! ha. Should be fun for sure. Sunday we're hanging out with his family. So the rest of this week is going to be incredibly low-key.
Got all of my tax information to my accountant, and got some really great news. I was expecting to have to pay around $8k, but after some rough estimates she said worst case scenario would be around $2k! I've been saving every penny I make for a few months, so it'll be nice to be able to use those funds. And I've already opened a savings account and started transferring 35% of my income since the start of 2016, so there will be no crazy stress around taxes next year, thankfully. It was INCREDIBLE news to receive. Turns out filing jointly as a married couple is going to work in our favor after all
Had a shoot this past week that went really well, and have booked a couple more since we've been home. Which is comforting, coming out of the slow season. It'll be nice to actually be able to contribute to the family income as well. Got a client check in the mail today that I need to put into my system.
Need to re-evaluate my goals and get started on a path to meeting them, including updating my sidebar. Haven't done any journaling in about a month and that's a habit I want to rekindle as well. Reconnecting with my gratitude practice also. I'm slipping back into laziness, and that's when I start forgetting how much abundance I have in my life and lose track of what's important. My 2 hour stint online window shopping last night is an indication that I'm falling off the horse.
So that's that for now! Hope you are all having a great Monday!
It's been 5 days since my last update. Whew! Thankfully, my absence was not accompanied by a ridiculous spending binge (5 days may not seem like a lot, but you would be surprised at how much I gain from this platform in accountability!).
Not sure I have much exciting news to report. Replaced my elliptical for $82 - it arrived yesterday, and I'm thoroughly looking forward to breaking it in today Since my Dietbets ended, I've slipped up on my workouts/eating well. I'm telling you, with me it's all about accountability. ha.
Still waiting for my Swagbucks giftcards to hit so I can make my purchases for the trip. Today I'll be heading out to return the swimsuit I bought (and hopefully find a replacement), as well as taking a look at a couple of stores to find a couple of warm weather articles.
Also hitting Trader Joe's and Aldi for a few items. The last couple of days we've been working through leftovers from our superbowl get together, and had dinner at a friend's last night.
We did get some groceries Sunday in preparation for said party, and made a trip to Walgreens for a couple of things DH needed. I armed myself with a couple coupons - I had been meaning to stop there to pick up a few things as well. DH was impressed with my couponing. Saved an additional $7 on items that were already on sale. And I stocked up on a few of my essentials: Dove soap, our St. Ives face wash (that DH loves an insists on), as well as dry shampoo for me.
I kept our meals light this week, so I only had to purchase a few items at the store:
- BBQ Chicken w/ mac & cheese (chicken I bought last week and the mac is leftover from Sunday)
- Hot Dogs (also leftover)
- Thai Chicken Soup
- Poached Eggs w/ asparagus, toast & bacon
- Meatloaf w/ mashed sweet potatoes
Only need some veggies for the soup, and the meatloaf will be our "fancy" dinner for V-day. Can't say it's really that fancy... but nothing says romance like loaves of meat. haha. We wont be exchanging gifts. I'll prob make him a silly card like I always do, but beyond that we'll just spend some quality time, probably watching movies or something.
I'm going to bake bread, probably tomorrow or Friday - for the toast. DH was insistent on bacon this week. I've been trying not to buy it because it's expensive and not good for us (albeit delicious). But he'll probably make breakfast this weekend, and it's a holiday. Guess bacon says romance, too...
Tonight I'm meeting another member of my BNI group for happy hour. Drinks are $3, so I'm not expecting to spend more than $8 all together, with tip. So definitely not a no-spend day, but all planned spending.
In terms of goals, I'm not doing terribly great. My writing challenge has been kept up with, but I still need to get on updating my quickbooks so I can get all that info to my accountant and get our taxes in order. And then open and close all the accounts I need to have everything in order. Talking to my friend at Huntington about opening a business savings - that way I can transfer a percentage for taxes and not end up like I am now, scrambling to save up for them. Still need to close my old checking and savings accounts and deposit that money in my business account for that tax payment.
And, of course, I need to get back on track with my weight loss goal. Or at least just back on track with my workouts.
So that's that. I hope you are all having a lovely week!
|<< Newer Entries||Older Entries >>|