Thanks to everyone who offered their suggestions on how to keep track on my net worth. I'm going to track my net worth on the last day of every month to keep me (and you!) posted on how I'm doing. By tracking it on the last day of the month, it will keep it more consistent based on the usual fluctuations of paying bills and stuff like that.
I did some looking around on net worth iq and I don't know that it does exactly what I want it to do. The mandatory categories are very limiting. Is there a way to create your own categories?
In the meantime, I'm going to do the calculations myself. So without further ado... October!
ASSETS
Cash (checking, MMA, W2S): $39,902.16
GNMA: $8,521.50
Total Bond Index: $8,637.88
Total Stock Index: $18,373.17
Roth IRA (Target Retirement 2045): $4,985.32
403(b) (S&P 500 Index): $10,706.36
DEBT
None
So that means my total net worth for the end of October is $91,126.39 with $15,691.68 in retirement and $75,434.71 in more liquid assets.
The last time I recorded my net worth was all the way back in May (wow! I've been blogging for awhile now!) and it was $79,278.88. So that means that between May and October my net worth increased 14.94%. That formula for increase in net worth is (this month-previous month)/this month then multiply the answer by 100. Thanks to a little googling and this article on Simple Dollar, I was able to actually get this done!
Today I'm grateful for: impromptu plans.
Saturday, October 31, 2009
Friday, October 30, 2009
How I spent my money yesterday...
I did a speed dating event.
Yes. I am that desperate right now to go on a date.
It was $30 for the event. And drinks were separate, so I spent $8 on a glass of wine. Trust me, that wine was a necessary expense. It was a HORRIBLE night.
One of my October goals was to put myself in a few situations where I could meet new boys and maybe go on a date or two. I guess I did go on 15 dates yesterday. But I would say 14/15 were absolute nos and the 15/15 was borderline okay. However, that 15/15 date was okay because the other 14 were so terrible. I mean, I've never seen so many unattractive, socially awkward/no social skills men in one place before.
It was an absolute waste of $38 and 3 hours of my life.
*Sigh* More than anything I want to meet "the one" and settle down and start the rest of my life. I'm not doing so hot. And I'm so jealous of all of you ladies who are married or engaged or living with someone or in relationships. I just want that to be me.
I'm missing the boy right now. Even though I know he isn't it. He was a good guy and I'm feeling lonely. I thought of calling him last night because the speed dating was in his hood. I think that might be a bad idea though. I don't know that we're ready to hang out.
The only positive of last night... I didn't get a parking ticket. And I guess I'm grateful for that.
Yes. I am that desperate right now to go on a date.
It was $30 for the event. And drinks were separate, so I spent $8 on a glass of wine. Trust me, that wine was a necessary expense. It was a HORRIBLE night.
One of my October goals was to put myself in a few situations where I could meet new boys and maybe go on a date or two. I guess I did go on 15 dates yesterday. But I would say 14/15 were absolute nos and the 15/15 was borderline okay. However, that 15/15 date was okay because the other 14 were so terrible. I mean, I've never seen so many unattractive, socially awkward/no social skills men in one place before.
It was an absolute waste of $38 and 3 hours of my life.
*Sigh* More than anything I want to meet "the one" and settle down and start the rest of my life. I'm not doing so hot. And I'm so jealous of all of you ladies who are married or engaged or living with someone or in relationships. I just want that to be me.
I'm missing the boy right now. Even though I know he isn't it. He was a good guy and I'm feeling lonely. I thought of calling him last night because the speed dating was in his hood. I think that might be a bad idea though. I don't know that we're ready to hang out.
The only positive of last night... I didn't get a parking ticket. And I guess I'm grateful for that.
Wednesday, October 28, 2009
Carnival!
Check me out. After being snubbed from a bunch of carnivals I've submitted articles to, I'm included in Simple Llama's Carnival of Minimalism.
Secret confession: I forgot I had submitted this post (my Get Rid of Stuff Sunday #13... the one from my parent's house) until I saw the article in my reader today. What a fun surprise!
Today I'm grateful for: my busy Halloween day that I have planned.
Secret confession: I forgot I had submitted this post (my Get Rid of Stuff Sunday #13... the one from my parent's house) until I saw the article in my reader today. What a fun surprise!
Today I'm grateful for: my busy Halloween day that I have planned.
Sunday, October 25, 2009
Get Rid of Stuff Sunday #15
Went through some stuff in the kitchen and here's what I got rid of this week:
(1-5) 5 plastic Ikea tupperware thingies. They came in a set and are just too small. I realized that I don't know that I've ever used them. The rest of the set is pretty useful though.
(6) novelty measuring spoons. They are measuring spoons in the shape of hearts which I got as a gift from a bridal shower. Never used. I have plastic measuring spoons that are way more useful.
(7) plastic reusable ice cubes. A friend gave them to me and I've never used them. I really can't see using them in the future either.
Today I'm grateful for: Matt Nathanson. I love his music and even after all of these years and times listening to his music, it still has such an impact on me.
(1-5) 5 plastic Ikea tupperware thingies. They came in a set and are just too small. I realized that I don't know that I've ever used them. The rest of the set is pretty useful though.
(6) novelty measuring spoons. They are measuring spoons in the shape of hearts which I got as a gift from a bridal shower. Never used. I have plastic measuring spoons that are way more useful.
(7) plastic reusable ice cubes. A friend gave them to me and I've never used them. I really can't see using them in the future either.
Today I'm grateful for: Matt Nathanson. I love his music and even after all of these years and times listening to his music, it still has such an impact on me.
Thursday, October 22, 2009
Second Job?
In college I worked with a catering company. It was a really fun/easy job. I got to go to AMAZING parties (and by go, I mean work at), eat gourmet food (each job included a meal), see the "behind the scenes" of a lot of cool DC places, and they treated us very well (not necessarily the case with many catering companies). It was very flexible because I signed up to work events when it fit in my schedule. I worked this job off and on during my first two years out of college, but it eventually got to be too much with my current primary job.
Fast forward to now. August and September were so slow at the primary job. I was bored. I didn't have a ton to do. I contacted the catering company to see if I could start up with them again. Since it had been awhile since I last worked with them, I had to re-interview. The interview was Monday and (shock!) they re-hired me. Training is Thursday.
I really liked working there, but now things are getting busy again with work. I think I can balance it all, but I do need to have a social life at some point. Probably? This will definitely get to be a challenge if I start dating someone again (though this is not looking great at the moment). I don't NEED a second job. I have enough money, though it's always nice to earn a bit more. But I think I might like to work full-time at the catering company in a more event-planning capacity. This is a step towards making that happen. I'd like to pick up some hours and make a good impression. I think I need to be more assertive in the fact that I would like to work there in a more professional capacity than a banquet server. I'm just worried that it could be too much.
I can't work at my current job for that much longer. This year makes 4 years. Which is kind of a lot. I need to open myself up to the possibility of what comes next. Could this be it?
Today I'm grateful for: new opportunities?
Fast forward to now. August and September were so slow at the primary job. I was bored. I didn't have a ton to do. I contacted the catering company to see if I could start up with them again. Since it had been awhile since I last worked with them, I had to re-interview. The interview was Monday and (shock!) they re-hired me. Training is Thursday.
I really liked working there, but now things are getting busy again with work. I think I can balance it all, but I do need to have a social life at some point. Probably? This will definitely get to be a challenge if I start dating someone again (though this is not looking great at the moment). I don't NEED a second job. I have enough money, though it's always nice to earn a bit more. But I think I might like to work full-time at the catering company in a more event-planning capacity. This is a step towards making that happen. I'd like to pick up some hours and make a good impression. I think I need to be more assertive in the fact that I would like to work there in a more professional capacity than a banquet server. I'm just worried that it could be too much.
I can't work at my current job for that much longer. This year makes 4 years. Which is kind of a lot. I need to open myself up to the possibility of what comes next. Could this be it?
Today I'm grateful for: new opportunities?
September Spending
I just got my credit card bills for last month, so below see my spending for September. The reason it is so delayed is that I wait to get the cc statements to double check all of my receipts. I find it sooo interesting to track my spending.
QUICK SNAPSHOT
Total Income $2,642.52
Total Expenses $2,319.93
NET (Income - Expenses) $322.59
BREAKDOWN ON INCOME
Wages $2,561.02
Rebates/Free Money $81.50 (from babysitting, consignment $$ and Target gift card)
Monthly Total $2,642.52
BREAKDOWN ON EXPENSES
HOME
Rent $850.00
Electricity $39.98
Cell $78.33
Cable/Internet $137.52
TRANSPORTATION
Gas $45.34 (I can't believe this is all I spent on my car last month. This month it is waaaay more!)
DAILY LIVING
Groceries/Drug Stores $123.97 (I'm pretty pleased with this amount and the amount for dining/eating out)
Dining/Eating Out $88.51
Clothing $631.02+$188.72 (I know... way a lot of money. I like to have new outfits for all of the 4 High Holiday services that I attend)
HEALTH
Rx/OTC $39.98
ENTERTAINMENT
Newspaper $2.50 (I bought a paper when I was at the beach with the fam)
Netflix $9.44
Concerts/Shows/Covers $30.00
Gifts/Donations $67.00
Salon/Beauty Supplies $8.35 (Got a fabulous face mask at Lush)
MISCELLANEOUS
Cash -$20.73 (used cash from last month I think)
Total Spent $2,319.93
Total Saved $322.59
So September thoughts: This is the least amount of money I've saved in a month this year. It's probably (okay... it is) because of all of the spending I did on clothes. This is strengthening my resolve to stay strong in my no spend on clothes October. My taste is too expensive... I think I could've spent less if I started at TJ Maxx and then moved to the more expensive stores that I love (Ann Taylor, Ann Taylor Loft, Banana Republic, Espirit...).
The goal is to save between $600 and $1,000 per month and this month that was a FAIL. Oh well. I'm not going to beat myself up over it. I think October could go a lot better in terms of saving. Maybe I'll make up for it this month.
Today I'm grateful for: someone to commiserate with on my crazy friend's wedding drama.
QUICK SNAPSHOT
Total Income $2,642.52
Total Expenses $2,319.93
NET (Income - Expenses) $322.59
BREAKDOWN ON INCOME
Wages $2,561.02
Rebates/Free Money $81.50 (from babysitting, consignment $$ and Target gift card)
Monthly Total $2,642.52
BREAKDOWN ON EXPENSES
HOME
Rent $850.00
Electricity $39.98
Cell $78.33
Cable/Internet $137.52
TRANSPORTATION
Gas $45.34 (I can't believe this is all I spent on my car last month. This month it is waaaay more!)
DAILY LIVING
Groceries/Drug Stores $123.97 (I'm pretty pleased with this amount and the amount for dining/eating out)
Dining/Eating Out $88.51
Clothing $631.02+$188.72 (I know... way a lot of money. I like to have new outfits for all of the 4 High Holiday services that I attend)
HEALTH
Rx/OTC $39.98
ENTERTAINMENT
Newspaper $2.50 (I bought a paper when I was at the beach with the fam)
Netflix $9.44
Concerts/Shows/Covers $30.00
Gifts/Donations $67.00
Salon/Beauty Supplies $8.35 (Got a fabulous face mask at Lush)
MISCELLANEOUS
Cash -$20.73 (used cash from last month I think)
Total Spent $2,319.93
Total Saved $322.59
So September thoughts: This is the least amount of money I've saved in a month this year. It's probably (okay... it is) because of all of the spending I did on clothes. This is strengthening my resolve to stay strong in my no spend on clothes October. My taste is too expensive... I think I could've spent less if I started at TJ Maxx and then moved to the more expensive stores that I love (Ann Taylor, Ann Taylor Loft, Banana Republic, Espirit...).
The goal is to save between $600 and $1,000 per month and this month that was a FAIL. Oh well. I'm not going to beat myself up over it. I think October could go a lot better in terms of saving. Maybe I'll make up for it this month.
Today I'm grateful for: someone to commiserate with on my crazy friend's wedding drama.
Wednesday, October 21, 2009
October Financial Update
On the expense side:
Haven't spent anything on clothes so far! It was especially hard when I was visiting my parents because mommy and I stopped at Plato's Closet (see below for more on that!) and at TJ Maxx. Both stores had a nice selection of stuff (it's always so hit or miss at those places), but I realized that I don't really need anything.
Cable/internet was only $87 this month because of all of the stupid Comcast drama. It's a crap shoot to see what it will be next month...
Stupid personal property tax on my car was due this month. That's almost $430 for the privilege of owning my car. Just when it was starting to get affordable, I have to get a new car (the old one was totaled... a story that I don't really want to get into).
Haven't spent that much on groceries so far. I've been trying to eat what I have around and supplement with some fresh fruit and veggies. There will be a number of free meals at work in the this week and I'm going out of town this weekend where all of the meals will be included. Eating out could get to be a little more than I like, but I think the moratorium on grocery shopping will help to balance out the spending.
On the income side:
Made $225 teaching at the synagogue during the high holidays. Score!
Sold about $30 worth of clothes to Plato's Closet when I was visiting my parents. Most of the clothes were just lying around my old room and my sister's old room.
Earned about $60 substitute teaching Sunday School last Sunday. Don't know when the check will be coming, but I hope I can add it to October's income!
On the potential income side, I have an interview today with the catering company I worked with in college. It's been a few years since I've worked there and a lot has apparently changed. It seems like I need to re-interview for a job I already had (and I still own the uniform for). We'll see how this goes, I guess...
On the not sure how to classify side:
I got about $115 back from my medical reimbursement stuff. It's pre-tax income that I don't count in my salary on my spreadsheet, so I'm not sure how to classify exactly.
Overall, I'm happy with my spending and extra earning so far this month.
Today I'm grateful for: my bed. It's yummy.
Haven't spent anything on clothes so far! It was especially hard when I was visiting my parents because mommy and I stopped at Plato's Closet (see below for more on that!) and at TJ Maxx. Both stores had a nice selection of stuff (it's always so hit or miss at those places), but I realized that I don't really need anything.
Cable/internet was only $87 this month because of all of the stupid Comcast drama. It's a crap shoot to see what it will be next month...
Stupid personal property tax on my car was due this month. That's almost $430 for the privilege of owning my car. Just when it was starting to get affordable, I have to get a new car (the old one was totaled... a story that I don't really want to get into).
Haven't spent that much on groceries so far. I've been trying to eat what I have around and supplement with some fresh fruit and veggies. There will be a number of free meals at work in the this week and I'm going out of town this weekend where all of the meals will be included. Eating out could get to be a little more than I like, but I think the moratorium on grocery shopping will help to balance out the spending.
On the income side:
Made $225 teaching at the synagogue during the high holidays. Score!
Sold about $30 worth of clothes to Plato's Closet when I was visiting my parents. Most of the clothes were just lying around my old room and my sister's old room.
Earned about $60 substitute teaching Sunday School last Sunday. Don't know when the check will be coming, but I hope I can add it to October's income!
On the potential income side, I have an interview today with the catering company I worked with in college. It's been a few years since I've worked there and a lot has apparently changed. It seems like I need to re-interview for a job I already had (and I still own the uniform for). We'll see how this goes, I guess...
On the not sure how to classify side:
I got about $115 back from my medical reimbursement stuff. It's pre-tax income that I don't count in my salary on my spreadsheet, so I'm not sure how to classify exactly.
Overall, I'm happy with my spending and extra earning so far this month.
Today I'm grateful for: my bed. It's yummy.
Tuesday, October 20, 2009
Clothes/accessories I want to buy
All of this no spending on clothes is making me want to spend on clothes. *sigh*
Here are some things that I need (okay... want):
(1) pair of long yoga pants (note to self... go to TJ Maxx)
(2) tights in fun colors and neutrals (note to self... Target is prob the best place)
(3) black purse (a really nice one... meaning expensive and/or designer)
(4) a pair or two of cute and comfortable flats that are appropriate for work and play
(5) matching scarf, gloves and hat (that are NOT from Old Navy)
(6) a few pairs of black socks
And btw. We are in a fight Shlee because of your comment on this post. I thought we had a deal :(
Today I'm grateful for: another chance to earn some extra income... more on this in an upcoming post.
Here are some things that I need (okay... want):
(1) pair of long yoga pants (note to self... go to TJ Maxx)
(2) tights in fun colors and neutrals (note to self... Target is prob the best place)
(3) black purse (a really nice one... meaning expensive and/or designer)
(4) a pair or two of cute and comfortable flats that are appropriate for work and play
(5) matching scarf, gloves and hat (that are NOT from Old Navy)
(6) a few pairs of black socks
And btw. We are in a fight Shlee because of your comment on this post. I thought we had a deal :(
Today I'm grateful for: another chance to earn some extra income... more on this in an upcoming post.
Sunday, October 18, 2009
Get rid of stuff Sunday #14
Time to pull out the winter clothes and see what is going to make it into the wardrobe rotation this year! Got rid of 3 winter hats, 3 scarves, 1 pair of gloves and 1 sad glove without a match.
Today I'm grateful for: burnt orange-colored clothing. Love wearing it in autumn!
Today I'm grateful for: burnt orange-colored clothing. Love wearing it in autumn!
Friday, October 16, 2009
I'm stupid at math
So I feel really dumb asking this, but I've noticed that a lot of your track your net worth. I think that's awesome and I would like to do a better job keeping tabs. It would be really cool to have a snapshot each month of my overall financial picture. I'm just looking at it from a month to month saving and spending which really isn't enough.
How do you do track? Like how do I figure out the percentage that my income goes up or down each month? Is there a particular website you use? Anything about networth would be fab. Leave me some stuff in the comments?
Today I'm grateful for: all of the comments I've been getting on the blog. It's nice to have virtual friends :)
How do you do track? Like how do I figure out the percentage that my income goes up or down each month? Is there a particular website you use? Anything about networth would be fab. Leave me some stuff in the comments?
Today I'm grateful for: all of the comments I've been getting on the blog. It's nice to have virtual friends :)
Wednesday, October 14, 2009
Freak Out.
I had a major freak out moment yesterday. The kind where I just burst into tears because I feel like there is way too much going on and I can't handle it all. Where once I try to make one more tiny decision, I can't handle it anymore. And because I love making lists, here's why I was stressing yesterday/still stressing today:
(1) I found a sale for 15% off at bananarepublic.com yesterday. I was debating whether or not I should return the trench coat I bought last month and then buy it online for a discount. It's a savings of $30. I eventually did return the coat and buy it back.
Why it's stressing me out: the coupon code was only good yesterday. I was down to the wire on the deadline for returning the coat. I have money, do I really need to make a big fuss over $30? Does this count in breaking my no spend on clothes October? I made $30 in the deal.
(2) My friend sent us the final info about bridesmaids gowns. It doesn't look like it will be wearable again. Lame.
Why it's stressing me out: I don't want to spend $205 on a stupid gown. I don't want to be in anyone else's wedding! I have to actually get my measurements and call the store to get that info to them.
(3) My apartment is messy and I have piles of paper to deal with on my desk.
Why it's stressing me out: When everything is organized and neat, I feel more calm and relaxed.
(4) I have to make a decision about the career/life coach.
Why it's stressing me out: It's a lot of money. Is it really worth it?
(5) I was away last weekend so I have a ton of shows lined up on my DVR, lots of unread posts on my Google Reader, a netflix movie that has been sitting at my house for 3 days without being watched, I just got the November issue of Real Simple, I still have Sunday's newspaper unread next to my bed...
Why it's stressing me out: This stuff is supposed to be entertaining and fun. Having it feel like it's on my to do list takes all the fun out of it.
(6) A reporter contacted me about some stuff I had written in my blog and wanted to interview me for a story.
Why it's stressing me out: I blog anonymously. I kind of like that freedom. But how cool would it be to be quoted in a major newspaper??
(7) Yesterday was a superlong day at work. I was working from 9:30am to 9pm.
Why it's stressing me out: I think being tired contributed to the freak out.
(8) It's been awhile since I've gone grocery shopping, but I spent a lot last time. I have enough food, but I want to get a few things that are on sale.
Why it's stressing me out: Am I getting a good deal? Do I really need to buy stuff when I have food at home? Am I eating enough? Do I really want to drive over to the store?
My body is in a state of stress and I don't know how to calm down. My jaw is clenched. My back is tight. The weather is rainy and yucky. That contributes to my funk. Hopefully I wake up tomorrow feeling better.
Today I'm grateful for: sweatpants and a hoodie. soup for dinner.
(1) I found a sale for 15% off at bananarepublic.com yesterday. I was debating whether or not I should return the trench coat I bought last month and then buy it online for a discount. It's a savings of $30. I eventually did return the coat and buy it back.
Why it's stressing me out: the coupon code was only good yesterday. I was down to the wire on the deadline for returning the coat. I have money, do I really need to make a big fuss over $30? Does this count in breaking my no spend on clothes October? I made $30 in the deal.
(2) My friend sent us the final info about bridesmaids gowns. It doesn't look like it will be wearable again. Lame.
Why it's stressing me out: I don't want to spend $205 on a stupid gown. I don't want to be in anyone else's wedding! I have to actually get my measurements and call the store to get that info to them.
(3) My apartment is messy and I have piles of paper to deal with on my desk.
Why it's stressing me out: When everything is organized and neat, I feel more calm and relaxed.
(4) I have to make a decision about the career/life coach.
Why it's stressing me out: It's a lot of money. Is it really worth it?
(5) I was away last weekend so I have a ton of shows lined up on my DVR, lots of unread posts on my Google Reader, a netflix movie that has been sitting at my house for 3 days without being watched, I just got the November issue of Real Simple, I still have Sunday's newspaper unread next to my bed...
Why it's stressing me out: This stuff is supposed to be entertaining and fun. Having it feel like it's on my to do list takes all the fun out of it.
(6) A reporter contacted me about some stuff I had written in my blog and wanted to interview me for a story.
Why it's stressing me out: I blog anonymously. I kind of like that freedom. But how cool would it be to be quoted in a major newspaper??
(7) Yesterday was a superlong day at work. I was working from 9:30am to 9pm.
Why it's stressing me out: I think being tired contributed to the freak out.
(8) It's been awhile since I've gone grocery shopping, but I spent a lot last time. I have enough food, but I want to get a few things that are on sale.
Why it's stressing me out: Am I getting a good deal? Do I really need to buy stuff when I have food at home? Am I eating enough? Do I really want to drive over to the store?
My body is in a state of stress and I don't know how to calm down. My jaw is clenched. My back is tight. The weather is rainy and yucky. That contributes to my funk. Hopefully I wake up tomorrow feeling better.
Today I'm grateful for: sweatpants and a hoodie. soup for dinner.
Monday, October 12, 2009
Career/Life Coach
On Thursday I had an initial free consult with a Career/Life Coach. The reason I sought one out is that I'm confused with what I should do next. I have a vague idea of what I want, but I don't know how to get there. I don't always trust my gut and I think if I have someone else clarifying what I really want to do and pushing me to do it, it will help. I'm definitely in the middle of a quarterlife crisis and I hope that this Career Coach can help me make the steps towards things being good. I'm risk averse. I think having someone tell me that taking a risk is okay will help too.
The way that it works is we have a minimum of six sessions over about a three month period. In between the sessions she gives me different exercises to do and then we talk about them. It is all done over the phone. And it costs $160 for each 45 minute session. That cost also includes access to the coach via email, chat and text within reason. And that's a lot. But is it a small price to pay for figuring out what I want to do next? I have the savings, granted I want it to go towards a down payment on a condo in the next year or two...
I'm leaning towards taking this opportunity. I don't think I can do this on my own. And I also can't keep doing what I'm doing.
Today I'm grateful for: Jim and Pam's wedding on the Office. I laughed, I cried, I cringed.
The way that it works is we have a minimum of six sessions over about a three month period. In between the sessions she gives me different exercises to do and then we talk about them. It is all done over the phone. And it costs $160 for each 45 minute session. That cost also includes access to the coach via email, chat and text within reason. And that's a lot. But is it a small price to pay for figuring out what I want to do next? I have the savings, granted I want it to go towards a down payment on a condo in the next year or two...
I'm leaning towards taking this opportunity. I don't think I can do this on my own. And I also can't keep doing what I'm doing.
Today I'm grateful for: Jim and Pam's wedding on the Office. I laughed, I cried, I cringed.
Sunday, October 11, 2009
Get Rid of Stuff Sunday #13
I'm visiting my parents house this weekend. I still have a bunch of stuff in my old room, so I went through it for this Get Rid of Stuff Sunday.
Here is a list of what I got rid of... way more than 7 items! And some of it is a little embarrassing... Don't make fun of me too much!
(1) Various little kid stuff... I had a thing for Keroppi, Hello Kitty, Blue's Clues, Elmo. I had a bunch of stuffed animals, coloring books, key chains, notebooks, stickers, and miscellaneous stuff that I would NEVER buy now. I had a thing for little kid stuff when I was (yes this is embarrassing) in high school.
(2) Candles. I had a "collection" of them when I was younger. Except that I bought a lot of cheap-o candles. Many of them were totally faded, totally juvenile (a wizard candle?), or not necessary any more.
(3) Some clothes. I had a few (not many, and not as many as my sister!) things at home that I was saving because I did really like these items at one point and I thought I might wear them again one day. I got rid of 2 pairs of jeans, a ton of bras, 2 winter jackets, a few t-shirts and shorts that I sleep in while I'm home. I'm hoping to go to Plato's Closet and sell a few items. Don't know if they'll be interested though... but I'm interested in the extra cash!
(4) Stuffed animals. I don't have a ton of them at my parent's house still, but I did get rid of about half of them. There were a few that didn't have good memories associated with them anymore and one that made me feel like a corporate whore (coke bear stuffed animal?).
(5) Cheap-o crap. I had a few tacky key chains, an old cheap pair of sunglasses, some headbands and hair accessories. Mostly stuff that I would not give the time of day now.
(6) Bar/Bat Mitzvah Giveaways. I don't know why I still have the mug, picture frame, t-shirt that says "So and so's Bar/Bat Mitzvah" on them. I'm not friends with any of these people anymore and it's really just tacky crap. From when I was 13 years old.
(7) Books. There are still a lot of books in my room that I've either read or been meaning to read. I got rid of about half of them.
Method of disposal for everything: trash, donate to Purple Heart (that's where my parents donate their extra stuff), sell to Plato's closet.
It's funny to see how much your tastes can change from childhood and teen years to young adult years. There are sooo many items in my room that I would never even consider purchasing now, but at one point I had to have them. My room still had a lot of items that I would now consider clutter, but they have so many memories associated with them. I'm not ready to get rid of them just yet and I don't feel like I need to get rid of them just yet. My parents aren't moving any time soon and the items don't clutter my day to day life. It's nice to have them surround me when I'm home every now and again for a weekend.
Also, it's tied (as of when I'm writing this) for how many Get Rid of Stuff Sundays I should have. Right now it's 2 votes for 27 and 2 votes for 36. Leave a comment on this post and help break the tie!
Today I'm grateful for: spending time with my parents and sister. I love my family so much!
Here is a list of what I got rid of... way more than 7 items! And some of it is a little embarrassing... Don't make fun of me too much!
(1) Various little kid stuff... I had a thing for Keroppi, Hello Kitty, Blue's Clues, Elmo. I had a bunch of stuffed animals, coloring books, key chains, notebooks, stickers, and miscellaneous stuff that I would NEVER buy now. I had a thing for little kid stuff when I was (yes this is embarrassing) in high school.
(2) Candles. I had a "collection" of them when I was younger. Except that I bought a lot of cheap-o candles. Many of them were totally faded, totally juvenile (a wizard candle?), or not necessary any more.
(3) Some clothes. I had a few (not many, and not as many as my sister!) things at home that I was saving because I did really like these items at one point and I thought I might wear them again one day. I got rid of 2 pairs of jeans, a ton of bras, 2 winter jackets, a few t-shirts and shorts that I sleep in while I'm home. I'm hoping to go to Plato's Closet and sell a few items. Don't know if they'll be interested though... but I'm interested in the extra cash!
(4) Stuffed animals. I don't have a ton of them at my parent's house still, but I did get rid of about half of them. There were a few that didn't have good memories associated with them anymore and one that made me feel like a corporate whore (coke bear stuffed animal?).
(5) Cheap-o crap. I had a few tacky key chains, an old cheap pair of sunglasses, some headbands and hair accessories. Mostly stuff that I would not give the time of day now.
(6) Bar/Bat Mitzvah Giveaways. I don't know why I still have the mug, picture frame, t-shirt that says "So and so's Bar/Bat Mitzvah" on them. I'm not friends with any of these people anymore and it's really just tacky crap. From when I was 13 years old.
(7) Books. There are still a lot of books in my room that I've either read or been meaning to read. I got rid of about half of them.
Method of disposal for everything: trash, donate to Purple Heart (that's where my parents donate their extra stuff), sell to Plato's closet.
It's funny to see how much your tastes can change from childhood and teen years to young adult years. There are sooo many items in my room that I would never even consider purchasing now, but at one point I had to have them. My room still had a lot of items that I would now consider clutter, but they have so many memories associated with them. I'm not ready to get rid of them just yet and I don't feel like I need to get rid of them just yet. My parents aren't moving any time soon and the items don't clutter my day to day life. It's nice to have them surround me when I'm home every now and again for a weekend.
Also, it's tied (as of when I'm writing this) for how many Get Rid of Stuff Sundays I should have. Right now it's 2 votes for 27 and 2 votes for 36. Leave a comment on this post and help break the tie!
Today I'm grateful for: spending time with my parents and sister. I love my family so much!
Friday, October 9, 2009
No spend?
There are a lot of bloggers out there who keep track of their no spend days. As I slowly add more blogs to my Google Reader, I've noticed more and more bloggers who do this.
What I don't understand is if you have to go to the drug store and grocery store and get gas and get... Does it make a different if you spread it out over a few days or do it all on one day? It's all stuff that needs to get done, right? What is the reasoning behind the no spend days?
Is it once you get out your wallet, it's easier and easier to spend? Is it to make you think more about where your money goes? Is it about combining trips and being most efficient in driving? Is a lack of discipline? Is it a particular financial guru's method or something?
If if works for you, I don't want to knock it, but I just don't get it. Could someone explain it to me?
Today I'm grateful for: Mondays off.
What I don't understand is if you have to go to the drug store and grocery store and get gas and get... Does it make a different if you spread it out over a few days or do it all on one day? It's all stuff that needs to get done, right? What is the reasoning behind the no spend days?
Is it once you get out your wallet, it's easier and easier to spend? Is it to make you think more about where your money goes? Is it about combining trips and being most efficient in driving? Is a lack of discipline? Is it a particular financial guru's method or something?
If if works for you, I don't want to knock it, but I just don't get it. Could someone explain it to me?
Today I'm grateful for: Mondays off.
Wednesday, October 7, 2009
Get rid of stuff update
So I've been trucking along with my Get Rid of Stuff Sundays. We just had #12 which means I've been doing them for 3(!) months. I realized that I have no end date in mind for when I should stop doing them. How many should I do? Here are some of my thoughts:
52 ~ one for each week of the year. But then I have to give away 365 items. Am I really ready to part with that much "stuff"? I'm getting to the point where I am starting to slow in my stuff that I want to get rid of. It will be a huge challenge to get to 52 weeks.
36 ~ for double chai (see 18 for an explanation). It's like chai, but double-y good!
27 ~ for my age. Actually, I'm 26, but by the time my birthday rolls around and we get to 26 weeks, I'll have turned 27. And the funny thing I just realized is that Sunday #27 would fall the weekend of my 27th birthday.
18 ~ for chai. Chai is a Hebrew word that means "life" and is a very lucky number in the Jewish religion. The number 18 in Hebrew numerials (kind of like Roman numerals) is made up of the letters "Chaf" and "Yud" which also make the word chai.
What do you think? Whichever number gets the most votes in the comments is the one I'll do. Go easy on me!
Today I'm grateful for: animal crackers. They are SO FREAKING DELICIOUS!
52 ~ one for each week of the year. But then I have to give away 365 items. Am I really ready to part with that much "stuff"? I'm getting to the point where I am starting to slow in my stuff that I want to get rid of. It will be a huge challenge to get to 52 weeks.
36 ~ for double chai (see 18 for an explanation). It's like chai, but double-y good!
27 ~ for my age. Actually, I'm 26, but by the time my birthday rolls around and we get to 26 weeks, I'll have turned 27. And the funny thing I just realized is that Sunday #27 would fall the weekend of my 27th birthday.
18 ~ for chai. Chai is a Hebrew word that means "life" and is a very lucky number in the Jewish religion. The number 18 in Hebrew numerials (kind of like Roman numerals) is made up of the letters "Chaf" and "Yud" which also make the word chai.
What do you think? Whichever number gets the most votes in the comments is the one I'll do. Go easy on me!
Today I'm grateful for: animal crackers. They are SO FREAKING DELICIOUS!
Monday, October 5, 2009
October Goals
Jumping on the bandwagon. Please help me be accountable!!!
* Spend $0 on clothes this month. Me and shlee have a deal and I am not breaking it!
* Earn an extra $300 this month. (I've already earned an extra $225 from teaching at the synagogue last month. Deposited the check today! So really I just need another $75)
* Be proactive in seeking alternate sources of income. Follow up with two catering companies. Remind Religious School that I want to teach. Look at job postings.
* Work more effectively. Try to take Mondays and Wednesdays as time for second job. Delegate more work to intern.
* Write 10-20 posts per month. Write a few posts that have Jewish content (speaking of which, are there any questions about Judaism that you have? There are no dumb questions!) Comment on at least one blog per day.
* Get in bed by 11pm at least 6 nights a week.
* Re initiate contact with a career coach to help me figure out where I want to be next and how I should get there.
* Be more social. Call at least one different person every week just to say hi. Try to see at least one different person each week.
* Simplify. Declutter. Stay organized, neat and clean. Clean apartment every week.
* Do something new to "green" my life.
* Put myself in a few situations where I could possibily meet a new boy. Maybe go on a date or two?
Today I'm grateful for: The Office. I freaking love that show!!
* Spend $0 on clothes this month. Me and shlee have a deal and I am not breaking it!
* Earn an extra $300 this month. (I've already earned an extra $225 from teaching at the synagogue last month. Deposited the check today! So really I just need another $75)
* Be proactive in seeking alternate sources of income. Follow up with two catering companies. Remind Religious School that I want to teach. Look at job postings.
* Work more effectively. Try to take Mondays and Wednesdays as time for second job. Delegate more work to intern.
* Write 10-20 posts per month. Write a few posts that have Jewish content (speaking of which, are there any questions about Judaism that you have? There are no dumb questions!) Comment on at least one blog per day.
* Get in bed by 11pm at least 6 nights a week.
* Re initiate contact with a career coach to help me figure out where I want to be next and how I should get there.
* Be more social. Call at least one different person every week just to say hi. Try to see at least one different person each week.
* Simplify. Declutter. Stay organized, neat and clean. Clean apartment every week.
* Do something new to "green" my life.
* Put myself in a few situations where I could possibily meet a new boy. Maybe go on a date or two?
Today I'm grateful for: The Office. I freaking love that show!!
Sunday, October 4, 2009
Get rid of stuff Sunday #12
(1) Old wallet. I got a new one that is much cuter. Never going to use the old one again. Method of disposal: Goodwill
(2) Gray pants. I got a new pair of gray pants that are way more flattering. I don't need two.
(3) Cordoroy skirt. Never wear it. Once the season gets right for cordoroy, I feel like it's too cold for skirts.
(4) Black button down. Never wear it.
(5) Flip flops. I didn't wear them this summer because I have other pairs that I like better.
(6) Honor cords from college graduation. What am I really going to do with these now? Nothing that's what.
(7) Plastic waterbottle. I don't really use these, so I'm going to get rid of it.
Today I'm grateful for: feeling part of a community. I love being Jewish!
(2) Gray pants. I got a new pair of gray pants that are way more flattering. I don't need two.
(3) Cordoroy skirt. Never wear it. Once the season gets right for cordoroy, I feel like it's too cold for skirts.
(4) Black button down. Never wear it.
(5) Flip flops. I didn't wear them this summer because I have other pairs that I like better.
(6) Honor cords from college graduation. What am I really going to do with these now? Nothing that's what.
(7) Plastic waterbottle. I don't really use these, so I'm going to get rid of it.
Today I'm grateful for: feeling part of a community. I love being Jewish!
Saturday, October 3, 2009
New School Year Goals Revisited
Since everyone else is doing it...
Here is a recap of my goals for the new school year. Monday I'll write about my October goals. Probably.
New School Year Goals
* Spend very little money eating out in September. WIN. Spent about $60 which was about $80 less than I spend last month.
* Get 4 complete new work outfits, but use sales. Spend less than $250. EPIC FAIL. Spent way more than $250 and got only 3 complete outfits. $250 was completely un-doable. Oh well. Over it.
* Work more effectively. Spend less time at the office, but get more done. WORKING ON IT.
* Recalibrate investments, especially Roth. PARTIAL WIN. I forgot to write about this, but I switched my money in my Roth from a money market fund to a target retirement fund. Didn't really do anything with other investments though.
* Seek out a career coach to help me figure out where I want to be next and how I should get there. WORKING ON IT. I contacted someone and we exchanged a few emails. She stopped the follow through. I need to get back on this.
* Be more social. Call at least one different person every week just to say hi. Try to see at least one different person each week. WORKING ON IT. I started off strong, but am slipping slightly. I have seen a few friends that I haven't seen in awhile though. That's a win.
* Be patient at work. Start the year off strong and keep up the momentum all year. Build strong relationships. WORKING ON IT.
* Eat more whole, organic foods. Perhaps bake a little? WORKING ON IT. This is going to be a slow and steady change. Slow, as in based on the money I have.
* Simplify. Declutter. Stay organized, neat and clean. ONGOING. I've been continuing to get rid of stuff, but I really do need to clean, clean. And take a visit to Goodwill...
* Write 10-20 posts per month. Comment on at least one blog per day. WIN. I wrote 19 posts in September! I think I commented on blogs every day. I've expanded the blogs in my reader and I feel like I'm really getting to know different stories via the internets. You all are fabulous!
Today I'm grateful for: Free food. And my sister. Not in that order :)
Here is a recap of my goals for the new school year. Monday I'll write about my October goals. Probably.
New School Year Goals
* Spend very little money eating out in September. WIN. Spent about $60 which was about $80 less than I spend last month.
* Get 4 complete new work outfits, but use sales. Spend less than $250. EPIC FAIL. Spent way more than $250 and got only 3 complete outfits. $250 was completely un-doable. Oh well. Over it.
* Work more effectively. Spend less time at the office, but get more done. WORKING ON IT.
* Recalibrate investments, especially Roth. PARTIAL WIN. I forgot to write about this, but I switched my money in my Roth from a money market fund to a target retirement fund. Didn't really do anything with other investments though.
* Seek out a career coach to help me figure out where I want to be next and how I should get there. WORKING ON IT. I contacted someone and we exchanged a few emails. She stopped the follow through. I need to get back on this.
* Be more social. Call at least one different person every week just to say hi. Try to see at least one different person each week. WORKING ON IT. I started off strong, but am slipping slightly. I have seen a few friends that I haven't seen in awhile though. That's a win.
* Be patient at work. Start the year off strong and keep up the momentum all year. Build strong relationships. WORKING ON IT.
* Eat more whole, organic foods. Perhaps bake a little? WORKING ON IT. This is going to be a slow and steady change. Slow, as in based on the money I have.
* Simplify. Declutter. Stay organized, neat and clean. ONGOING. I've been continuing to get rid of stuff, but I really do need to clean, clean. And take a visit to Goodwill...
* Write 10-20 posts per month. Comment on at least one blog per day. WIN. I wrote 19 posts in September! I think I commented on blogs every day. I've expanded the blogs in my reader and I feel like I'm really getting to know different stories via the internets. You all are fabulous!
Today I'm grateful for: Free food. And my sister. Not in that order :)
Friday, October 2, 2009
MMM
MMM = Make More Money!
I'm not going to be able to afford to buy a place if I keep at this job and do nothing else. The paltry amount I make babysitting, selling stuff and getting rebates is not going to help me buy a condo in this market. I need to get serious.
Some things I'm doing to MMM.
(1) I emailed the catering company I worked with in college to see if it was possible for me to start working for them again ($17/hr)
(2) I let the religious school at my synagogue know that I am interested in substitute teaching ($22/hr)
(3) I'm about to go drop off a few more items to consign ($?)
(4) When budget time comes around this winter, I'm going to use it to my advantage. A colleague that I work very closely with is likely leaving at the end of this year and if they lost both of us, it would be very hard on the program. I need a raise. I don't care about stupid salary freezes. They have to make this work if they are going to keep me around. Otherwise I am going to start looking for a new job.
If #1 doesn't work out, I'm going to start looking for other part time gigs. I can work 1-2 days per week which is something. My irregular real job work schedule might be a good thing?
What do you do to MMM?
Things I'm grateful for: dinner plans.
I'm not going to be able to afford to buy a place if I keep at this job and do nothing else. The paltry amount I make babysitting, selling stuff and getting rebates is not going to help me buy a condo in this market. I need to get serious.
Some things I'm doing to MMM.
(1) I emailed the catering company I worked with in college to see if it was possible for me to start working for them again ($17/hr)
(2) I let the religious school at my synagogue know that I am interested in substitute teaching ($22/hr)
(3) I'm about to go drop off a few more items to consign ($?)
(4) When budget time comes around this winter, I'm going to use it to my advantage. A colleague that I work very closely with is likely leaving at the end of this year and if they lost both of us, it would be very hard on the program. I need a raise. I don't care about stupid salary freezes. They have to make this work if they are going to keep me around. Otherwise I am going to start looking for a new job.
If #1 doesn't work out, I'm going to start looking for other part time gigs. I can work 1-2 days per week which is something. My irregular real job work schedule might be a good thing?
What do you do to MMM?
Things I'm grateful for: dinner plans.
Subscribe to:
Posts (Atom)
Subscribe To me in millions
Posts
All Comments
