It's been a while ...

It's been a while since I last posted, over a month. Sorry.

But things are going well for the most part.

The weather is finally warming up and all of our flowers are blooming, trees are sprouting leaves and we're already mowing the lawn. I love it!

My sports team wrapped up its last week of practice yesterday. Our last game is tomorrow. I'm looking forward to the break. We have a last team meeting next Tuesday to discuss our summer and next fall's plans, then I'll also be helping coach one of our men's teams as they continue training for their games. But my own team is done for a while and that is a weight off of my sometimes overly-burdened shoulders. I do it to myself, I know. But looking forward to some downtime.

More exciting, my boyfriend offered to take me on vacation for my birthday last fall. So I'm cashing in that trip next week to go to Austin, Texas. He's already bought us tickets. Best of all, his sports team qualified for the national sweet 16s of our sport for his team's division down there. So I get a vacation and get to be a fan to boot! So excited! And I've only got to pay for food and fun. :)

It's been in the 90s down in Austin this past week. Yeah!

On the career front, that job I'd heard about from my old boss opened up and I applied for it. Without going into more detail, it's a much bigger job that I initially expected, but I'm definitely capable of handling it and am now waiting - trying to be patient - for the calls to interview. A good friend also applied for it, so he would be competition, but I know that my old boss never meshed personality-wise with my friend (who also worked there), so that gives me an advantage I believe. Although I'm staying away from any pettiness and we both just wished each other the best of luck and have been checking in with updates when we've heard them.

I've heard my old boss has been busy and is hiring his interns first before he starts the hiring process for the full-time position. It's hard to wait though. I have to think I'll get in for an interview. I've got the experience, more than most for education and I'm ready to hit the ground running, in addition to great references including the blessing of my current boss.

In addition, a well-to-do alumni of my boyfriend's sports team also put in a good word for me with one of his professional contacts at my old company, with directions for his contact to pass along a great recommendation to my old boss on my behalf. I'm hoping it lights a fire and keeps me in the front of the line for my old boss as he sorts through the applicants.

Keep your fingers crossed.

On the debt front, I'm still plugging away. Although I will confess to slacking off and spending too much money lately on lunches at work and some shopping, going out. Ugh. I know. I just updated a big chunk of my balances on the sidebar and as soon as some pending payments post this weekend, I'll update it again.

Okay, it's nearly 6 on a Friday and it's time to go home and relax.

Have a great weekend!

April 1st!

Happy April Fool's Day!

I only tried one joke today and it backfired. I e-mailed my boyfriend to tell him I thought I was pregnant. I then e-mailed him a second time and said "April Fools!". But rats, he got the second one first!

Oh well.

I'm waiting for my auto loan auto payment to go through tonight before I update my sidebar again. I did add the $2.55 in interest I earned to my emergency fund though. I'm just letting it sit there and be happy.

My sports team starts outdoor practices tonight. And it's cold and soggy. And I'm not doing well at my running goals, still feeling quite tired from the flu and what not. We have our first games this weekend, but I'm not too worried.

On the career front, no word yet on the new position at my old employer. But I think I did a good job at the volunteer work this weekend, so I feel positive about that and interacting with my old boss in a positive and hard-working situation.

I'm struggling at the current job because I'm daydreaming about the new job. Besides setting myself up if I'm not hired (sad!), I'm procrastinating on my current work load. It's just so boring. But I'll buckle down and get stuff taken care of here. New job or not, I'll be in a better place if I've got less hanging over my head.

Another month gone, another step forward

It's hard to believe it's nearly April.

And supposedly it's also spring, but we've still got weather forecasts for snow. A surprise six inches fell late last week, but it's nearly gone again. We broke a record for snowfall this season in our city. Over 100 inches. We can see the lawn now, but the leftover snowbanks where we had to dig out could be there until May.

I'm eagerly awaiting the grass greening up and our spring flowers starting to poke their little heads out of the ground. I hope the crocuses I planted last fall made it.

I updated my sidebar today, except for my car (because that payment doesn't drop until the first of each month) and I'll wait until the first also for to update my networth.

I stretched my tax refund quite a bit. As I already mentioned, I paid off my Credit Card B and have moved Card D into my sights (Pow! Pow!). I jumped on my payments the other day when I got paid, using my snowball plan with minimums on all of my cards and then hitting Card D with my remaining debt payoff. I have yet to call Card B and threaten to close it (so they give me a non-business version and a really good rate for later transfer-game options), so I checked it just to verify it's paid off in my head. And what did I find? They knocked me for $8.61 as a finance charge, calculated off my past balance from last month. I was pissed, but hey, $8.61 I can handle. I'm calling them this weekend though. Grrr.

Confession time. For Easter, I had a breakdown at Target and spent some unnecessary money on unneccessary stuff. I got to the checkout, realized my idiocy and that my balance on my debit card wouldn't cover the total. So, I had to use my "emergency" card out of my wallet. And I immediately had buyer's remorse and beat myself up emotionally. Stupid, Stupid, Stupid. Now I didn't purchase anything rediculous or anything that I can't use or won't use, but I did buy myself some treats that I don't really need. But I went home and as soon as I had a chance, I paid off that charge on my card from my last stash of my tax refund. That money should've been used to pay off in my snowball. So I tripped. I'm back up again and I'm back on track.

Overall, I did knock all of my cards down a bit!

In other good news, my boyfriend and I signed up for our CSA subscription! We each paid $157 towards an every-other week produce delivery for June through October. I'm really excited to see all the organic and farm-raised yummy goodness we'll have. Plus we each get $75 of that back from reimbursements from our health insurance companies!! And I know we'll save more than $75 in not having to purchase produce at the grocery store (less healthy and delicious) and the farmer's market (more expensive). I'm really excited about this.

Also, we picked up a few inexpensive seed starter kits. We've got baby tomatoes, hot peppers, sweet peppers, petunias and coleus plants sprouting for our little vegetable garden and flower gardens. This will save us money since we won't need to purchase potted plants.

This week I also received my new "designer envelope system" that I ordered from the Dave Ramsey store. I listen to his show often at work. It's funny, but the stories inspire me, sometimes they break my heart. Anyway, this month I was trying to work on truly implementing my budget, zeroing out and keeping my cash-spending for food, etc., down and kept track of well.

My struggles with this are that I have a hard time (read here: too busy and somewhat lazy) to get to the bank to get real cash out. I'm a paperless girl! Everything I do financially is online, outside from writing a check each month to my boyfriend for rent (and if I could do this electronically, I totally would!). So I was trying to use my debit card. I even have a sticker on it with my two-week totals for what I should be spending (I get paid bimonthly).

Worth noting - people kept commenting on my sticker. The bartender at my team's club bar/restaurant where we have our socials and meetings commented how smart I was. :) A barista at Starbucks (I have a weakness for White Chocolate Mochas ... only 1-2 times a month!) said it was the first time she'd seen that broken down into two weeks. :)

Anyway, I decided it was worth the $20 cost ($10 S&H sadly) to purchase the envelope system. I'm going to likely try to use my debit card, but keep track on the handy log sheets. If that doesn't work, I'll make the switch to just cash. I do like the "system" though. It's actually a nice red wallet. There's room for my checkbook and register, card slots for my debit card, etc., a zippered coin pocket and the envelopes with logs on each to write down your balances. I had a nice red wallet and a little coin purse before, so I've combined and pared down everything into my new wallet. I like it so far. I'll admit that I hide the imprinted side where it says "Financial Peace University" though. I don't want to explain this to my boyfriend ... yet, anyway.

Our team season is starting, so I'm getting busy busy. And I really need to get my butt moving and running. I am so out of shape and I'm still fighting the remnants of my flu.

All in all, I'm pretty good though.

Yeah for Me!!

I got paid today and it's my extra check in the pay cycle, so it gives me some extra money to kick towards my emergency fund!!

I took care of all of my necessities, so all of my bills are paid, I have a fresh rent check for February ready for the boyfriend (he's my "landlord") and the last half of my gym class payment all set.

I also set aside $25 in my regular expenses savings account (basically where I transfer money that I know is going out soon, so it's not just sitting in my checking account). This is 1/3 of my spring fee for my sport, so I'm ahead of the ball there and won't get hit by some big $75 ping in two months.

But more awesomely, I took $500 and using a referral from Paid Twice (who I read all the time and totally dig snowflaking!), I opened my first ING savings account for my emergency fund. Yeah! Yeah! Yeah! Plus, I got a $25 bonus for opening it due to the referral and because I opened it with over $250. So I made an extra $25 today on top of everything! So excited. Plus Paid Twice then gets $10 from her referral for her son's college fund. Quadruple yeah!

My plan is to fully fund my emergency fund at ING and let that money do it's thing and build interest, then move on to my debt snowball and hit my debts hard. Plus, it takes a few days to transfer any money from ING to my checking, so I'm less inclined to dip into my emergency fund for non-emergencies, but it's still there and liquid for emergencies.

I updated my savings and my net worth on the sidebar. My networth increased a positive 1.2% today to 3.2% ...

So, today is a good day. Sweet. Quadruple sweet.

This week ...

The holidays are officially over. Sad.

I love the holidays so much so I hate seeing everyone take down their christmas trees and seeing them laying in the snowbanks by the roads.

This week is also the first work week in four weeks that I'll be here all five days. I had some vacation time and then all of my holiday time off as well. It was fun while it lasted. But there is the MLK day off in two weeks, so yay! I've decided that that day will be my personal organization day at home - my finances, setting up my new office space (with all of my old stuff), all kinds of fulfilling goodness.

Tonight we start our gym workouts for my sports team. I am an amateur athlete and part of a sports club team. This is our offseason, but we start our conditioning and organizing for the spring now. I have been very lazy since we finished up our last games and practices way back in October. I haven't done much of anything fitness-wise. So these classes will be painful, but exactly what I need to jump back into my fitness.

These gym classes are twice per week with a certified trainer in a class of my teammates for 8 weeks at just $15 per week. And I don't have to join the gym. It's really a very good bargain and one I feel is a important investment in my health and fitness each winter (physical and mental!), not just for my sport. Additionally, I have set it up so I can pay for my 8 weeks in two smaller payments of $60 each tonight and again in four weeks. I set aside money on my last payday into my irregular expenses to cover this, so I'm square on my budget.

I clarified two of my goals for 2008 in my sidebar and added a new one.

I said originally I wanted to lose 15 pounds. For the record, I am a genetically-blessed 5-7 woman (actually like 5-6.8, but hey still a few inches taller than the average American woman at 5-4) who's natural body shape is thinner and athletic. My sport and genetics keeps me in the healthy Body Mass Index range even when I know I'm out of shape. Currently I weight 150 pounds. This puts me at the higher end of "Normal Weight".

But I don't take care of myself very well and am pretty lazy. I know that my healthy weight should be 135 and I could maintain this by eating better (than I already do), drinking more water to stay hydrated (I'm a diet soda addict) and exercising regularly on my own (not just with my team schedule).

So the clarifcations are that I will lose at least 10 of those 15 pounds by March 1 and I will learn to like running and run at least 20 minutes 3 (or more) times per week by March 1.

I've already started trying to incorporate less meat and more fruits, vegetables, grains and legumes into my diet. Which isn't too hard since I love my veggies!

I'm not going cold turkey on the soda. If I focus on improving my health and fitness, my unhealthy pounds will decrease, my muscle and cardio will increase and I will naturally want to not drink soda (it's happened before).

And I figure all of this along with my finance goals (which take priority) are already enough for big goals.

Additionally, staying busy with fitness and healthy eating means I'm not out there spending money, falling prey to all the media messages telling me to spend, spend, spend and in general, getting healthier and stronger to build that big snowball.

Oh and I added two new blogs I like - I've Paid for this Twice Already and Generation X Finances.