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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

February 19th, 2010 at 06:56 pm

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.

Posted in Uncategorized | 1 Comments »

1 Responses to “Payday”

toyguy1963 Says:
February 19th, 2010 at 07:22 pm 1266607321
1266607321

Thanks Jerry. Hours should be picking up a little as spring gets here. Its just that its almost impossible to really get ahead cause things keep getting more expensive and my hours are constantly being cut back.
Whenever I start to do well something always sets me back a couple steps.

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The Toyguy's Blog

Chugging along at a snail's pace.

Payday

1 Responses to “Payday”

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