I put in a school application tonight. If I can get all my transcripts together by January 5th, I will be able to start taking classes in the spring semester. I need to:
-Contact high school about transcript and mail $2 fee in-need to mail $2 in.
-Send written request to college 1
-Send written request and $5 to college 2
-Complete FAFSA-Done
Other to-do's-
-Pay off whatever DH spent on me for Christmas
-Pay $250 extra to Chase for month of December
-Clean out car completely
Wednesday, December 23, 2009
Tuesday, December 22, 2009
Thinking Ahead 2011
Ha, 2010 hasn't even started, and I am thinking ahead to 2011! If DH and I can knock out a good portion of our credit card debt next year and get my car paid down, we are going to try to conceive next summer/fall in 2010, thus bringing a bundle of joy. The plan is for me to be able to drop one of my part time jobs and stay home with the baby/work from home when DH is home to care for the baby. I will attend a few classes online as well. One of my part time jobs enables me to work from home, but has no benefits and I am paid based on how much of the project I complete. The great thing is that it is flexible, I do really well at it, and I could work from home! My other part time job has benefits, but would require daycare for the baby. Plus, I work with a bunch of people who I just can not stand! The work is enjoyable, but the people make me want to scream!
Before the baby actually gets here, here is what we would need to do:
Pay off my car
Pay off Chase 1,2,3, credit union card, and BOA
If we could pay all of this off, our monthly expenses would decrease by $513 a month.
Have baby fund fully funded
Have emergency fund at $3000
For my student loans, I can defer the federal ones if I am enrolled in school, so I would take advantage of this since the interest rate is so low and one of the BOA cards would be left to pay off. The private one I could defer, but I would not because I really want to get it out of the way.
I still have a lot of number crunching to do, but at least we have some semblance of a plan in shape.
Before the baby actually gets here, here is what we would need to do:
Pay off my car
Pay off Chase 1,2,3, credit union card, and BOA
If we could pay all of this off, our monthly expenses would decrease by $513 a month.
Have baby fund fully funded
Have emergency fund at $3000
For my student loans, I can defer the federal ones if I am enrolled in school, so I would take advantage of this since the interest rate is so low and one of the BOA cards would be left to pay off. The private one I could defer, but I would not because I really want to get it out of the way.
I still have a lot of number crunching to do, but at least we have some semblance of a plan in shape.
Official 2010 Goals
I am a total goal person. I love making goals, love planning things out, love reading other people's goals...my only issue is sticking with the goals!
Financial Goals
Pay off Chase 3-1586
Pay off Chase-2190
Pay off Chase 2-2353
Pay off BOA 2-2300
Have BOA 1 card at $8000
Have credit union card at $367
Continue to pay student loans in a timely manner
Pay $450 a month to my car-If I can do this, the balance will be $1777 by December 2010.
Save $1200 total in baby fund-have $350, $850 more to go
Save $2100 total in emergency fund-have $300 (pathetic!), so $1800 more to go
Save $630 for DH's crown in February-have $315, so $315 more to go
Leave 401 K and IRA contributions alone. If I do this, we should contribute around $8K to at least hit the $22K.
Personal Goals
Lose 30 pounds
Get re-enrolled in school
Work on calling friends and family more
Stick to my cleaning schedule
Financial Goals
Pay off Chase 3-1586
Pay off Chase-2190
Pay off Chase 2-2353
Pay off BOA 2-2300
Have BOA 1 card at $8000
Have credit union card at $367
Continue to pay student loans in a timely manner
Pay $450 a month to my car-If I can do this, the balance will be $1777 by December 2010.
Save $1200 total in baby fund-have $350, $850 more to go
Save $2100 total in emergency fund-have $300 (pathetic!), so $1800 more to go
Save $630 for DH's crown in February-have $315, so $315 more to go
Leave 401 K and IRA contributions alone. If I do this, we should contribute around $8K to at least hit the $22K.
Personal Goals
Lose 30 pounds
Get re-enrolled in school
Work on calling friends and family more
Stick to my cleaning schedule
Sunday, December 20, 2009
Oh wow...
Wow, it has been a month since I have updated this! Yikes. Work has been really busy lately. I went up to 30 hours at one of part time jobs, and I am doing 15-20 at the other. DH has still been working the overtime, so life has just been crazy. I have five whole days coming up of vacation, so I am psyched. I need to get caught up on my cleaning and finance planning.
Good things that have been happening
-Our 401ks are at a combined balance of $14,126 right now, so we hit the 14K mark for the year. YAY! I am so happy over this. Next year, we are going to put in at least $8K. Barring a huge market downturn, we will hopefully hit $22K.
-All of the Christmas shopping is done! I stayed within $100 of my budget, but DH went over budget on buying for me $300. I have no clue what he bought since it isn't Christmas, but he worked extra hours to make up for it. Thanks DH :)
Debt Update
Since August 15th, we have paid off almost $6000. I am planning to use some of my 12/30 paycheck to make it $6000 even. The cards moving in the wrong direction were from DH's overspending, so this will be fixed once we get the paycheck with the overtime in it.
Chase hiked the rate up on all three of our cards by three percent, so I think I am going to focus on them first. I wanted the credit union card gone because it was so small, but the interest rate is so much lower. I don't know. Right now, I am focusing on Chase 3.
Good things that have been happening
-Our 401ks are at a combined balance of $14,126 right now, so we hit the 14K mark for the year. YAY! I am so happy over this. Next year, we are going to put in at least $8K. Barring a huge market downturn, we will hopefully hit $22K.
-All of the Christmas shopping is done! I stayed within $100 of my budget, but DH went over budget on buying for me $300. I have no clue what he bought since it isn't Christmas, but he worked extra hours to make up for it. Thanks DH :)
Debt Update
| Start 8/15 | 18-Dec | Difference | |
| Sallie Mae | 12762 | 12305 | 457 |
| Well Fargo | 11700 | 11150 | 550 |
| Chase | 2353 | 2190 | 163 |
| Chase 2 | 2300 | 2353 | -53 |
| Chase 3 | 1710 | 1586 | 124 |
| BOA | 9300 | 9140 | 160 |
| BOA 2 | 1833 | 2300 | -467 |
| Credit UnionCard | 700 | 567 | 133 |
| Car Loan | 7875 | 6600 | 1275 |
| Car Loan 2 | 2090 | 0 | 2090 |
| Target | 149 | 0 | 149 |
| Campus Loan | 8250 | 7800 | 450 |
| Husband School | 376 | 0 | 376 |
| Capital One | 376 | 0 | 376 |
| 61774 | 55991 | 5783 |
Since August 15th, we have paid off almost $6000. I am planning to use some of my 12/30 paycheck to make it $6000 even. The cards moving in the wrong direction were from DH's overspending, so this will be fixed once we get the paycheck with the overtime in it.
Chase hiked the rate up on all three of our cards by three percent, so I think I am going to focus on them first. I wanted the credit union card gone because it was so small, but the interest rate is so much lower. I don't know. Right now, I am focusing on Chase 3.
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