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About Me:

Patrick

Single male in Ohio born in 1963. I'm "the toyguy" because I work in the toy dept. of a large retail store.

2011 Goals:

- Pay myself back into my savings account the money that I used to pay off my mortgage.
- Put $3000 into a Traditional IRA again.
- Put $1000 into a Roth IRA.
- Add at least $2000 to my Antarctica fund.
- Add $400 to Emergency Fund (At end of 2010 I have $2526 in this fund)
- Put at least some money into my car fund. I have a car fund created at ING with about $25 in it but need to start saving for a future car purchase.
- Go to Scotland for a week in May for a ghost tour and stay a few days in New York city.
- Might have to have another expensive roof repair. Last year or so I had to have half the roof done and was very satisfied. But I think I have to have the rest of the roof done now.
- Take a short trip to New Orleans for Halloween.

2010 Goals:

X- Pay myself back for latest car repair (rear breaks)
X- Add $400 to my E-Fund
(Added $410)
X- Continue putting whatever money I can into IRA fund for 2010 and 2011.
X- Put $3000 into IRA for 2010
X- Have income taxes done before end of March
X- Continue paying at least $100 extra on Principal of my mortgage each month
X- Continue putting whatever extra I can afford into my Travel Fund
X- Have to call Tours of Terror to make arrangements for Ghost Tour in Scotland for next year.
X- Try to take a trip to west Virginia in Spring or early summer.
- Take a short trip to Phoenix Arizona if I can get very low cost tickets. (FAILED. Couldn't get cheap enough airfare)
X- Figure out exactly when I can pay off the rest of my mortgage. It might be this year or the end of next year.

"Lofty" 2010 Goals:

X- Pay off my house completely by November. This one is not so lofty cause I will be paying it off sometime regardless. November will be the absolute earliest though.
(Paid off end of October)
X- Start an Antarctica Fund and save at least $1000 in it. I want to go there someday but its very expensive and my Travel Fund alone will never be able to handle it. (Put in $1200)
- Put at least an extra $1000 into my 2010 IRA than stated above but put it into a Roth instead of a Traditional.
(Failed. Never got around to this one)

2009 Goals:
X- Pay myself back $344 for muffler repairs on my car from December of 08.
X- Add $400 to my E-Fund.
X- Continue saving for a total of $4000 for 2009 IRA.
X- Start saving for total of $3000 for 2010 IRA. (Saved $690)
X- Have my first ever yard sale when the weather starts getting nice this spring.
X- Try to take a real vacation around July or August possibly to Costa Rica.
X- Pay at least $100 extra per month to Mortgage principal. I plan to pay off my mortgage completely before the 20 year mark which is about 3 years from now.

2008 Goals:
- Continue using Quicken to keep my checking and other accounts in order.
- Save at least an additional $400 into my
E-Fund (DONE) which currently has $1,200 in it. My overall goal for E-Fund is $12,000.
- Slowly work on building up a car fund. (VERY SLOWLY)
- Save enough into Travel Fund to take a good vacation in October. (Saved enough money but cannot travel this year)
Save $4000 for 2009 IRA contribution.
- Continue my "Paper (clutter) Challenge"
- More to come as I think it over.

Payday update time.

June 27th, 2009 at 04:54 pm

Got my paycheck on Thursday night. Its been a little better lately than whats it was for a long time. It just depends on how much they cut my hours from week to week.

I haven't been able to save much of anything lately. Been focusing on keeping my head above water and all the basic stuff. After allowing for all my bills, and taking out my needed spending money, I was able to put $50 towards the extra Principal of my mortgage (thats become a habit now), put $10 toward my 2010 IRA, $10 to E-fund, and $10 to Travel Fund. That left me with $90 extra that I just left in checking to continue replenishing my cusion in there.

I also had a check for $10 from MySurvey that I deposited to go into my travel Fund.

Good news for the 4th of July work schedule is that I have fairly close to my regular hours plus I'll get holiday pay so that means I'll have a pretty good check coming up.

I'm surviving OK without TV. I haven't had cable in a long while and just didn't want to get the digital tv box, so now I can't watch TV at all. I really don't mind too much. I did notice though that I'm spending more time online. I still watch a good bit of DVD or VHS movies. I have my own collection plus I get them from the Library.

Posted in Uncategorized | 4 Comments »

4 Responses to “Payday update time.”

baselle Says:
June 28th, 2009 at 02:57 am 1246157863
1246157863

Re: the digital box. Cool choice. The thing that a lot of my friends are finding out is that the box is not enough - you need a digital antenna also, and that antenna is picky in its placement. Higher is better. And channels still either come in or they don't.

The US converted from analog because....?
toyguy1963 Says:
June 28th, 2009 at 04:39 am 1246163948
1246163948

Thanks baselle. I've heard both good things and bad things about the digital boxes. some people I know said they are getting more channels and some said the picture is lousy. I think a lot depends on location too.
whitestripe Says:
June 28th, 2009 at 09:58 pm 1246226335
1246226335

we had terrible reception before we got a set top box and now its perfect - but its probably different in australia. only cost us $50.
toyguy1963 Says:
June 29th, 2009 at 03:06 am 1246244784
1246244784

Thanks Whitestripe. I could probably fix my problem for about $10 but I'm just stubborn. And i really haven't missed TV that much.

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The Toyguy's Blog

Chugging along at a snail's pace.

Payday update time.

4 Responses to “Payday update time.”

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