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Archive for February, 2010

Finally my 2010 Goals

February 27th, 2010 at 10:06 am

Well it seems kinda late but finally posting my 2010 goals. Nothing very exciting or drastic.
I pretty much made them before the new year but it took me this long to post them.
Its going to be difficult getting much accomplished this year. Its hard just keeping my head above water most of the time. Last year's goals were accomplished but had a lot of setbacks. Things mostly just kept breaking and needing fixed or replaced. I bought a new laptop, HAD to buy a new washing machine, had several small car repairs. This year already had a small car repair that I am paying myself back for.
But I am thankful that I am able to do these things and still be able to get my little goals done without
incurring any debt. I also have a roof over my head and haven't starved to death as of yet.

So without any further ado here is my list of 2010 goals.

- Pay myself back for latest car repair (rear breaks)
- Add $400 to my E-Fund
- Continue putting whatever money I can into IRA fund for 2010 and 2011.
- Put $3000 into IRA for 2010
- Have income taxes done before end of March
- Continue paying at least $100 extra on Principal of my mortgage each month
- Continue putting whatever extra I can afford into my Travel Fund
- Have to call Tours of Terror to make arrangements for Ghost Tour in Scotland for next year.
- 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.
- Figure out exactly when I can pay off the rest of my mortgage. It might be this year or the end of next year.


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I also want to post what I call my Lofty Goals for 2010. These are goals that I am highly unlikely to actually do. But I'm hoping by posting them that they may give me some incentives to work on.
If I accomplish anything at all off this list it will be all gravy.


- 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.
- 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 at least an extra $1000 into my 2010 IRA than stated above but put it into a Roth instead of a Traditional.

Thats all the lofty goals I can think mof for now but its going to be tough just getting the regular ones done.
I still have to post my goals on my sidebar later on.

Payday

February 19th, 2010 at 10:56 am

Yesterday was payday such as it is. I still don't get very good hours despite changing my schedule and everything that they wanted me to do. But I survive.

After all my normal budgeted expenses
I put an extra $50 towards my mortgage principal. I used $21 for a new pair of shoes that I desperately needed.
Have $100 for my spending money. $100 is a little low for me but it will do. My spending money basically covers any entertainment for 2 weeks and groceries and eating out. Gasoline I use my credit card and its covered on my regular budget.

That all leaves me with only $9 extra money. That goes into my checking account
to help pay myself back for the last car repair I had done. So now I still owe myself $209.

I recently received a rebate check from an electric razor I bought quite a long time ago. Its for $8. I'm going to put that Travel Fund I think.

I'm off today which is very unusual. I don't think I've had a friday off since
that last time I took a vacation. I'm going to a fish fry place this evening for supper with a group of friends. I'm kinda looking forward to that.

Hope everyone else has a great weekend.

Payday update time.

February 6th, 2010 at 11:10 am

Got paid on Thursday. Put $50 as usual towards extra mortgage principal. I'm doing well on that part and still plan on paying off my house in the next year or so. After all my budgeted things were taken care of left me with only $25 extra
from my check which will go to paying myself back for the last car repair I had. I still have my cell phone in my budget even though I canceled it a couple months ago. I'm going to put that money ($29) towards my car repair too. So now I still owe myself $218. The repair was already bought and paid for when I had it done but i'm just re-paying myself for it as though it was a loan.

Got the new washing machine FINALLY today. Its a simple basic Maytag and seems to work wonderfully. Really happy and relieved since washing my cloths has been such a hassle the past few months.

It snowed here a lot last might. I'm a little bit burried in my driveway buit I'm about to dig myself out soon. I don't think the roads are bad right now though.

Trying again on a Washing Machine

February 1st, 2010 at 03:15 pm

Well everything was finally taken care of (in my favor) about the washing machine that I bought and had problems with. Everything except for the fact that I was left with no washing machine at all for a few weeks. Fortunately I had enough cloths and re-wear most of my cloths before washing.
Today I went to Best Buy and ordered a new one from them. Its just a basic old fasioned washer so I don't think I'll have the problems that I had with the other one. Its being delivered this coming Saturday. I was also so very lucky that this was the first Saturday I've had off in years and thats the day its getting delivered. I hope everything goes well this time.

I also splurged a bit on some things. Relatively small splurges, but still splurges. I think I need to be a little easier on myself anyways cause mentally I've been feeling beaten down. Yesterday my computer mouse
completely broke. Its been on its last leg for awhile. I made sure to put it out of its misery and relieve a bit of my stress by smashing under my foot into a dozen or so pieces. That felt pretty good.
I replaced it with a mouse from the store I work at for under $10. I also used my spending cash so it doesn't really have any impact on my budget.
I've also been looking at voice recorders.
While I was at Best Buy for the washer I decided to look at them there. They had the one I wanted for about $10 cheaper than anyone else. So I splurged again.
I used a small amount of my spending cash again and put the bulk on my credit card.
Fortunately the new washer was a good bit lower price than the one I returned. So I come out out in pretty good shape overall.
The reason I wanted a voice recorder is cause of all the haunted places I like to go to. I've been wanting to try to record EVP's. I still plan to go ghost hunting in Scotland next year so I really hope I can figure it out.

Nothing much else going on. I'll be posting a payday update in a few days. Mostly I'm just trying to hold in there.