Wednesday, December 10, 2014

Starting early..

So, my 2015 goals are generally focused on money.. This will be the year I get my ass in gear and pay off bills (including my car).. 

BUT, it's not just about paying off bills.. It's also about saving money for now (I'd love to have my $1,000 'emergency fund' finished by the end of 2015), AND saving for retirement.. 

Last year, on my 30th birthday, I started putting in $15/paycheck into a 403b account.. My job, thankfully, will match 1/2 of your contribution (up to 4% of your salary).. I found this last part out (the 4% part) just recently, so I decided to up my contribution to 2% of my paycheck.. And will continue to up it each year by 1% more.. In most cases, my contribution should be around $25-30/paycheck.. 

If you have the option, at your job, to contribute to some kind of retirement plan, please take advantage of it.. I'm barely making ends meet some paychecks, but I make sure to keep that going in.. Because while it may be hard now, I can work more.. If I end up 80 and broke, I can't get work too easily..

Also, this paycheck is when my auto deposit starts in my savings account.. It's at a bank that I can't physically touch, and has a decent interest rate (.75% APY).. Plus, some of the money I make on the side too..

This paycheck was interesting, as it has all my changes on it, PLUS I had 24 hours of overtime on it.. So, this made my 2% contribution to my 403(b) $59.. Lmao.. Oops, forgot about that part.. Eh, can't hurt me.. 

Got Christmas paid for, and got some ideas to bring in extra income (will talk about that once I get it rolling, since I'm the queen of false starts).. Now, onto working a bunch and starting off 2015 on the right foot (my first paycheck of the new year falls on the 1st)..

Friday, December 5, 2014

Payday Thursday..

So I don't know why I said I was going to start Payday Thursday's this week, as any bill that isn't going to get something turned off (electric, rent, car insurance, etc) isn't getting paid so I can finish Christmas.. 

I know, bad reason.. But I know I will be making enough in the month of January to cover it all and get back on track.. And my plan is that this won't happen next year..

Saving money, and even spending money, on a single salary is horribly hard.. Especially when I find myself spending money to have some fun, which is usually something like a movie.. While I don't usually buy myself clothes (I still hate shopping for myself, even after losing 106 lbs), I have no problem buying stuff for my house, or other people.. 

So this month is gonna be about keeping tabs on how much I spend (besides Christmas gifts) on a 'normal' month.. I will keep all receipts, and towards the end of the month, I will add up what I spent, and where, and use it for my budget for January..

I already have a preliminary budget done, but I'm intrigued to see if I'm accurate.. Probably not.. Lol

Thursday, December 4, 2014

Short and Sweet..

Today is payday..

I'm planning on sticking with "Payday Thursday's" and posting about money on that day every week..

Only 21 days til Christmas!! Holy crap!! 

Gonna go soak my tired body in a bath and then go to bed.. Good night, blogosphere..

Sunday, November 30, 2014

Good bye November.. Hello December!!

It's hard to believe it's the end of November already.. November is always an interesting month to me, mainly bc it's got my birthday in it..

November is usually my month to reflect on how my life has gone in the past 365 days.. Of course I do the normal resolutions in January, but November is usually when I try to make goals to change what I didn't like about the past year..

This year has been a huge learning experience for me.. I've found out that I'm only willing to compromise if the other person in the relationship is too.. And I've found out that saving money on a $23,000 salary is harder than I anticipated.. Just to name a few things..

This year should be full of changes.. I'm starting new hours at my job, so I should be able to find another way to earn more money, whether it be by getting a new job, making things to sell, or working overtime in another department..

Also, I'm thinking I'm gonna take time off from actively dating anyone but myself.. I have so much I want to do, and am sick of waiting to find 'someone' to do them with.. So I'm gonna do them by myself.. If 'someone' comes along, great.. If not, no biggie.. Lol

December is gonna start off with a bang.. I'm doing a squat challenge to start off my 'new booty, new body' fitness regime.. Time to get toned up like I keep talking about..

My main goal for this year will be consistency.. I will at least attempt to do what I say I'm going to do..

Now, here's to the next 365 days!! Let's do this!!

Friday, November 28, 2014

Online Dating: A Review of

Alrighty, so I've been trying online dating for about 8 months now.. I (stupidly) subscribed to at the end of May, and while I've met a couple guys off of that website, I can honestly say I will never use it again..

Reason #1: You used to be able to reply once to a message without being 'subscribed'.. Now you can't even see a message sent to you without being a subscriber.. This doesn't make sense to me..

Reason #2: The Carousel?! You 'earn' coins by saying if you are interested in meeting someone.. You get a coin for saying yes, and don't if you say no.. Do you really think people are truly honest with this stupid thing?? Dumb, dumb, dumb.. 

Reason #3: Relationship Status-Separated?! Umm, red flag, right?! I've learned the hard way that divorce isn't that hard for a guy, paperwork-wise.. To me, putting 'separated' as a relationship status just means you are too lazy to get divorced, which doesn't usually mean good things for the future relationship.. Again, bad experience might be clouding my opinion on this.. Lmao, don't even get me started on 'Tell You Later'.. 

Reason #4: People can send you gifts, but you are never told about them, and you don't know who sent them.. UNLESS you read EVERY message you get.. Which can be a pain in the ass.. Just tell me 'A Zoosk Member' has sent you a gift.. Is that so hard?! 

Reason #5: This one is more about guys in general than this website/app.. Lol.. Why do I spend all this time writing things if YOU DON'T READ IT?! I specifically put in my profile that if you were out of my area (I even put TRI-STATE area), that I wouldn't respond.. One guy called me a bitch for ignoring him.. And don't get me started on the men that were old enough to be my dad.. Or grandpa! Icky!!

I can honestly say I won't ever go back to that website/app.. I may try a different website later next year, but for now I'm sticking with the 'If it's meant to happen, it'll happen' way and just put myself out there more.. Sounds like a good plan, right?! 

Thursday, November 27, 2014

A Little Early..

So as I sit here (at work, shhhh) trying to figure out why my car payment didn't process, I realize that I hate auto pay..

Supposedly the account I used, which I've been using since I got this loan, is closed.. And since I know it's not, and they don't seem to want to admit fault (gasp!), now my car payment is considered late, and I'm the extra APR fees on the extra amount.. Grr.. I hate that my APR is calculated daily (so I've been told by the Capital One people)..

Most people SWEAR by Auto Pay for your bills.. I am here to tell you that a person with ANY kind of memory issues (I have ADD, and have an out of site/out of mind issue with money) should NOT have Auto Pay set up.. It just costs you more in bounce fees, honestly.. Which I barely have enough money to pay my bills, let alone pay the bank money.. lol

This time of year usually brings up people's goals (or that dirty word RESOLUTIONS), and I am usually one to MAKE goals, but not generally stick to them.. Something always happens, usually my own fault of course, and I get derailed and never get back on track.. Yep, that's me!  I can laugh at this because I know how I am, but in all reality I know I can't keep doing this, as I really do want to get out of debt..  So, here are some of my goals for the next 13 months..

My goals for 2015 (and December 2014) are as follows (as of 11/27/14):
** Stick to 90% of my goals (bc we all know shit happens)..
** Find one new way to earn money every month..
** Put as much money as possible towards Emergency Fund..
** Pay off Ivy Tech bill with tax return..
** Enroll in ASL program at UofL..
** Get down to my goal weight of 175 lbs..
** Pay off as many collections accounts as possible..

That's just a few of them, and they have a wide variety of categories.. While I will work a lot at money stuff, I will also make time for crafting, having fun, and furthering my education..  This should be a great year, if I can just stick with all my plans/goals..

So, go enjoy your turkey and stuffing, and all that fun stuff, and try to have a good time with whoever you get to spend your day/night with..  Happy Thanksgiving!!

Monday, November 24, 2014

Changes Are Coming.. Again..

Lol.. So, I've been MIA for a while.. I hate to say that I haven't been inspired to write, as I have, but it's been difficult to find the time to do it.. Well, things are about to change..

New Layout
New Colors
New Title
New Feel to the Content

I look forward to starting this new part of my journey with you all.. Now, to go do some research for some posts that will start back up on 12/1/14..

So keep an eye out, okay?!  :)