Financial Goals of 2009

2009 Personal Finance Goals

Debt:

• Pay off Jeep
• Pay off one of adams loans

Spending:

• Eat out no more than once a week
• Use coupons as much as possible
• Watch our spending when we come home for good

Frugal:

• Try to get enough CFL lightbulbs to replace all of the lights when we move in..using coupons of course
• Keep entering giveaways for girft cards to home depot for our house
• Savings: Save up 6 months of emergency savings
• Save up a downpayment on a car brand new Hundia accent or Nissina versa

So Here we are in the new year. Adam and I cant believe what we have done this past year! We have been all around the country, something alot of people will never do and we have done at the ripe age of 23 and 24. We have been trying to recover from putting the downpayment on the house. I hate seeing all that money "disappear". But we are in a good situation right now. I am making good money in Seattle and Adam just got a call yesterday that he has a job!! Woohoo! So now since its so late into our assignment we are thinking of extending and staying here until June. I would love to see the new england area but if theres nothin open then its not happening. The economy sucks right now and it does for travel nurses as well...hospitals are cutting back on us. So last month we were trying to think who would rent our house from us while we are gone. Well things have worked out. The sellers have not found a house yet so they are renting from us now. That is awesome! We still pay the mortgage but get to save some too. We are ethier going to save it for a car when I get home or pay extra on the mortgage. We will see how long they live there I guess. Ok On to the goals!


My Short Term Financial Goals by March
Heres what we got:
Last month= blue
This month= red

Our HouseFund: $1,345--$2,949(We will be making our first house payment on Feb 5)
My Checkings (high interest): $7,845--$9,523(I also just got paid but havent added it to this account yet)
My Checkings (no interest): $1,171.21--$2,353(just got direct deposit in there, gotta separate it)
CD at huntington (expiring in march) will deposit into checking or house--or car!:$5,859--$5,884
Adam Checkings (high interest): $745.00 (he is currently using another account at home to pay his bills)
Bank of America: $79--$79 --I have to close this account when I get the time...
Roth: $6,835--$7,942
Credit Card debt: $2,934--I get my statement on the 7th and will pay this off
401k: $1513--$1645
**NEW 401k--$358
**NEW Emergency Fund: $792--our short term goal is $1000 then 3-6 month of expenses

Ok so heres the goals until February 28(the end of this assignment):

• Start contributing to my Roth this year and max out by April:$472 for December
• Make 2 payments to Adams loans (on top of what he pays) : Currently -$9,821 from Direct Loan Service and -$41,317 from First Resource Federal none yet...gave him money to pay this month because he was job searching
• Try to get someone to rent out our house while we are away for extra money for our mortgage. done til Feb 5!
• Split paychecks every 2 weeks into Mortgage payment, Roth IRA, Checking Account, and Emergency Fund--working out well so far and trying to build up all those accounts
• Get $1600 for our apt in Seattle and bank at least $100 each month--didnt get to save any this month because of the loans, but will try again next month. Am only getting $369 per week instead of $400
• Continue to pay off credit card each month doing well with this
• Pay off scooter by February balance= $557.50 paid $200 this month
• My meal plans have worked out pretty well. We go shopping once a week and have not spent over $100. I have been making a bunch of recipes that have turned out well. Thanks to allrecipes.com! I only make about one big meal a week and I eat soup at work. Adams new job feeds him at work so thats awesome!
• Continue to get the deals at walgreens for a garage sale this summer with my sister!---got lots of deals lately!! Jeannie watch out I am gonna fill your basement lol
• I am still going to use as many coupons as possible. Gotta join some more trains...
• I am also going to try to get $50 or more in Chacha extra money (now $114 did not do it this month).

Incase you are wondering i have a "low interest" account is because my direct deposit and automatic bill payments come out of there. I am workin on getting that changed...opened a joint charles schwab account--still not totally activated this will be future home to our emergency fund--we are waiting for this still to be opened, no hurry now.

So theres the update! Any thoughts are helpful. I think this month was a good one, mostly because of this job. Lets hope next month is a good one too!!

Giveaways week of Dec 22

The hoildays are approaching!! Heres some giveaways this week:
5 minutes for giveaways is giving away Audeo Perfect Fit Earphones. These look really cool! They come in 3 different sizes, which is great because my ipod buds never fit in my little ears! And they are made by a hearing aid company, so they care about our hearing!!

STL Mommy is giving away a $25 Walgreens giftcard! I am there at least once a week so this would be great!!

The Digerati Life is giving away an Epson Workforce printer!! Check it out and leave a comment of your favorite holiday memory!

Christian Personal Finance is giving away Two Ipods and more!! GO check that out!'

Mom Fuse has a giveaway called The Ultimate "New Year for Mom" Giveaway! Theres over $500 worth of stuff that she is giving away! BUT! You have to work for it...

Home Construction Improvement is giving away a 65 Piece Ratcheting Socket & Bit Driver Set by Husky donated by Home Depot. Go check it out!

I Never Grew Up is giving away an awesome flip video camcorder. This ends Jan 2. Its pretty awesome!!! Go try to win it!

Sharon Loves Books and Cats is giving away a book called "Bad Girls Dont Die" I love reading when I get the chance and this looks like a great one!!

Giveaways week of Dec 15

5 minutes for giveaways is giving away 2 Oral B Electric toothbrushes. Oral-B® Triumph® (est. value $149.99) and another winner will receive an Oral-B® Pulsonic® (est. value $69.99). Go check it out!

Many Little Blessings Is giving away a purple IPOD shuffle. Hurry this ends tomorrow!! 12/19!

New Giveaways this week

$100 Home Depot Giveaway over at Delectible Mommies. I am subscribed to her blog now, it looks interesting! I hope i win!!




Also over at Living as Mom she is giving away $25 to Publix, CVS or Walmart. I would pick walmart if I won!

Check out http://www.alpacafarmgirl.com/ She is doing 12 days of giveaways. I just tried to win the Home Depot Card. Check it out!

And over at Ravings of a Mad Housewife. She is giving away Homer Laughlin China Company FOUR 4-piece place settings!! Awesome!! Go enter to win!

I love this blog! Over at Green Your Decor she is giving away a bamboo hard drive from simpletech--how cool is that! Check it out here: Bamboo HardDrive

Complete and Utter Chaos is giving away a $25 VisaGiftcard! What a great giveaway! Check it out!

Bargin Briana is giving away a Home Depot Card! Hurry Ends today!!!

SwagGrabber is Giving Away a box full of stuff!! Over $300 worth of goodies and she will let you pick!! Ends 12/18

Home Depot Giveaway!!--AGAIN!

I am so excited for this giveaway! Another giftcard giveaway from One Project closer. I hope I win. Cant wait to get into our house and use this card to redo our rooms! Ok so you should enter too! Heres the link One Project Closer our problem with our new home is that we want to do everything at once :) we have to save up first! I know Adam wants to redo the basement first...theres a lot of stuff we want to do! I hope we win!! I love this blog too you have to subscribe, they have great tips!!

Financial Goal until March

So We have moved again! Now we are in Seattle. Its crazy here! Hopefully I can save alot of money. Currently I am nervous because we just put down our downpayment for our house, its just so much money thats gone :(. But its for a good reason. We got a 5.5% interest rate, which is great right now! We are getting the key Jan 5 but cant move in because we are in seattle. It would be great if we can get someone to move in there to take care of it until we come home for good (probably about 9 months...). Adam is looking for a job right now. He had an interview at a gym today and starbucks today. He thinks the gym interview went well and he goes to starbucks in about 1/2 hour. We will see what he comes up with! Now on with the goals!

My Short Term Financial Goals by March
Heres what we got:
Last month= blue
This month= red

• Our HouseFund: $23,281--$1,345
• My Checkings (high interest): $11,687--$7,845 (I havent gotten paid yet and used alot traveling)
• My Checkings (no interest): $3,196.60--$1,171.21
  
• CD at huntington (expiring in march) will deposit into checking or house:$5,833--$5,859
• Adam Checkings (high interest): $741.00--$745.00 (he is currently using another account at home to pay his bills)
  
• Bank of America: $79--$79
• Roth:$7,135--$6,835
  
• Credit Card debt: $405--will pay this next week when I get paid
  
• Credit Card debt: $2,515--I get my statement tomorrow and will pay this off
  
• 401k: $1626--$1513
  

Ok so heres the goals until February 28(the end of this assignment):

1. Start contributing to my Roth this year and max out by April October $166 did not contribute in November, put more for downpayment on house. Will start again this month
   
2. Make 2 payments to Adams loans (on top of what he pays) : Currently -$10,243 from Direct Loan Service -$9,920 and -$41,527 from First Resource Federal $550 October $250 November from credit card points
3. Try to get someone to rent out our house while we are away for extra money for our mortgage.
4. Split paychecks every 2 weeks into Mortgage payment, Roth IRA, Checking Account, and Emergency Fund
5. Get $1600 for our apt in Seattle and bank at least $100 each month--paid $800 and receive repayment on each paycheck(weekly) Last paycheck save $400 for bills
6. Continue to pay off credit card each month
7. Pay off scooter by February balance= $757.50
8. I would like to try to meal plan but we have no oven and not much freezer space. Any crockpot recipes are welcome!!!
9. Continue to get the deals at walgreens for a garage sale this summer with my sister!
   

I am still going to use as many coupons as possible. I am also going to try to get $50 or more in Chacha extra money (now $108--now $114). I am also going to work as much overtime as I can--they are saying I should be able to, I will try on friday and sat this week :( Incase you are wondering i have a "low interest" account is because my direct deposit and automatic bill payments come out of there. I am workin on getting that changed...opened a joint charles schwab account--still not totally activated this will be future home to our emergency fund--we are waiting for this still to be opened, no hurry now we just wanted to get our downpayment down

So theres the update I am not very happy with it right now but I am hoping it will be okay once I get paid...next month we will review. Any thoughts are helpful :)

Home Depot Giveaway $100! And Many prizes!!

Table For Five is giving away $100 giftcard to Home Depot! It ends Sunday, Nov. 30th at 10:00 PM ET! So hurry!!

Hi everyone. I wanna tell you about an awesome contest
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Home Depot Giveaway!!

I am so excited for this giveaway! I hope I win. Adam and I just bought a house and this would be awesome to use after we move in! Ok so you should enter too! Heres the link Home Constuction Improvement our problem with our new home is that we want to do everything at once :) we have to save up first! I know Adam wants to redo the basement first...theres a lot of stuff we want to do! I hope we win!!

Theres also another Home Depot Contest here at http://www.bizzibid.com/!!

Time for some giveaways!!!

http://www.unexpectedbliss.com/ is giving away an Amazon.com giftcard
Mom of Two Dancers is also giving away an Amazon card!
Getting free from Debt is giving away a giftcard of your choice!!
Confessions of a Psychotic Housewife is giving away a $10 giftcard to Target or Walmart!

Starbucks $15 gift card giveaway over at http://www.momstakeonthings.com/
http://bittenbybooks.com/ is giving away a whole TON of prizes. Check that out!

Ok changing the financial goals...

Ok so last time I updated I did not know this was going to happen...Adam and I have purchased a home!!! We actually are putting in the final paperwork tomorrow and closing on it. We were not expecting to buy so soon but we loved this house so much! So heres the financial updates...

My Short Term Financial Goals by November

Heres what we got:
Last month= blue
This month= red

• Our HouseFund: $23,147--$23,281 (I just added $600 to this today)
• My Checkings (high interest): $11,427-- $11,687
• My Checkings (no interest): $1614.04--$3,196.60
  
• CD at huntington (expiring in march):$5,809--$5,833
• Adam Checkings (high interest): $741.00--$741.00 (he is currently using another account at home to pay his bills)
  
• Bank of America: $79--$79
• Roth: $8,102--$7,135--god, i dont even want to look at that
  
• Credit Card debt: $963.00--$0 just paid it today
  
• Credit Card debt: $2,403--$1839.50
• 401k: $2077--$1626---lets not look at that...
  

Ok so heres the goals until November 22(the end of this assignment):

1. Start contributing to my Roth this year and max out by April September $997 October $166 i put more into the house this week
   
2. Pay off credit card each month--September $957.24--October $880 paid
   
3. Split paycheck between housefund and high interest checking every 2 weeks September
   
4. Pay off scooter September October
   
5. Make 2 payments to Adams student loans not yet...September--paid $550 October
   

On top of that I want to save for christmas presents, my dads birthday present (already bought this!) and pay the monthly bills. I am going to use as many coupons as possible. Whatever our savings is on our grocery bill I will contribute that money into Adam's high interest checking (our hot tub fund). I am also going to try to get $100 or more in Chacha extra money (currently at $64--now $87--now $108). I am also going to work as much overtime as I can--only twice so far :(--not good this month either! Incase you are wondering i have a "low interest" account is because my direct deposit and automatic bill payments come out of there. I am workin on getting that changed...opened a joint charles schwab account--still not totally activated this will be future home to our emergency fund

So theres the update...next month we will review. Any thoughts are helpful :)


Ok so I just got a job in Seattle. I will be making more money hourly at this assignment, which I am pretty excited about! Heres goals for February. I will update this again:

1. Start our emergency fund after all the house paperwork is final and we have paid our first mortgage payment (January 5)
2. Try to get someone to rent out our house while we are away for extra money for our mortgage.
3. Split paychecks every 2 weeks into Mortgage payment, Roth IRA, Checking Account, and Emergency Fund
4. Make 2 payments to Adams loans: Currently -$10,243 from Direct Loan Service and -$42,152 from First Resource Federal
5. Get $1600 for our apt in Seattle and bank at least $100 each month
6. Continue to pay off credit card each month
7. Pay off scooter by February

Thats all i can think of right now. I will update more

for everyone who works nights like me...

GreenYourDecor.com is giving away Eclipse curtains. They are really dark...not only would help me sleep for night shift, but also very green on your budget!! Check it out!

New Giveaways this week

Over at a virtuous Woman she is giving away a $10 Walgreens card. I love walgreens deals!!
At The sacred and the profane she is giving away green bags for your produce by Debbie Meyer!! I love to save money in anyway and I love fruit!!

Some giveways I would love to share!

GreenYourDecor.com is giving away an eco-friendly room plan for one lucky reader. It sounds like an awesome contest, I am so excited for it!! I picked to redo our kitchen. I hope I win!!
GreenYourDecor.com is also giving away a set of 3 Envirosax reusable shopping bags along with a gorgeous Earthlust stainless steel water bottle, two items that will help you reduce your everyday ecological footprint from KirDeVries.

An update to my short term financial goals until november

So, Heres the update. I think I am doing pretty good.

My Short Term Financial Goals by November

Heres what we got:
Last month= black
This month= blue

• Our HouseFund: $21,256--$23,147
• My Checkings (high interest): $10,975--$11,427
• My Checkings (no interest): $1,977.19-- $1614.04
  
• CD at huntington (expiring in march):$5,783.43--$5,809
  
• CD at huntington (expiring this month): $774.00 EXPIRED deposited into house
  
• Adam Checkings (high interest): $1,238.00--$741.00 (Adam hasnt gotten paid)
  
• Bank of America: $79---$79
• Roth: $8,900--$8,102
• Credit Card debt: $348.00---$963.00--we went to the mall of america
  
• Credit Card debt: $3,000 (new scooter) no payments or interest for 6 months---$2,403
• 401k: $2301.46--$2077

Ok so heres the goals until November:

1. Start contributing to my Roth this year and max out by April September $997
   
2. Start contributing to my 401k again with matching--my company cant do it for me now...trying to get retribution because of it
   
3. Pay off credit card each month--September $957.24
4. Split paycheck between housefund and high interest checking every 2 weeks September
   
5. Pay off scooter September
   
6. Make 2 payments to Adams student loans not yet...
   

On top of that I want to save for christmas presents, my dads birthday present and pay the monthly bills. I am going to use as many coupons as possible. Whatever our savings is on our grocery bill I will contribute that money into Adam's high interest checking (our hot tub fund). I am also going to try to get $100 or more in Chacha extra money (currently at $64--now $87). I am also going to work as much overtime as I can--only twice so far :(! Incase you are wondering i have a "low interest" account is because my direct deposit and automatic bill payments come out of there. I am workin on getting that changed...opened a joint charles schwab account

So theres the update...next month we will review. Any thoughts are helpful :)

$250!!!

Over at 20s money they are giving away $250!!! Check it out:
Would $250 help you kick start your savings, investing or just help out with expenses? It’s time for us to give away some of the money that this blog has been earning to a 20s Money reader as a thank you for helping this blog get off the ground over the last 5 months.

Giveaway!!

Deena over at A peek at my bookshelf is giving away 30 books in 30 days! I love to read on my downtime, what a great opportunity she is giving us to win!! Check it out!!







Also Homemakers Resource is giving away coupons again! Check that out!!!

My Short Term Financial Goals by November

So, I started a new job until november so I wanted to try to set some financial goals. Adam and I just had our wedding and I am trying to refund my savings from that. So, heres what we got so far:

• Our HouseFund: 21,256
• My Checkings (high interest): $10,975
• My Checkings (no interest): $1,977.19
• CD at huntington (expiring in march):$5,783.43
• CD at huntington (expiring this month): $774.00
• Adam Checkings (high interest): $1,238.00
• Bank of America: $79
• Roth: $8,900
• Credit Card debt: $348.00
• Credit Card debt: $3,000 (new scooter) no payments or interest for 6 months
• 401k: $2301.46

Ok so heres the goals until November:

1. Start contributing to my Roth this year and max out by April
2. Start contributing to my 401k again with matching
3. Pay off credit card each month
4. Split paycheck between housefund and high interest checking every 2 weeks
5. Pay off scooter
6. Make 2 payments to Adams student loans

On top of that I want to save for christmas presents, my dads birthday present and pay the monthly bills. I am going to use as many coupons as possible. Whatever our savings is on our grocery bill I will contribute that money into Adam's high interest checking (our hot tub fund). I am also going to try to get $100 or more in Chacha extra money (currently at $64). I am also going to work as much overtime as I can! Incase you are wondering i have a "low interest" account is because my direct deposit and automatic bill payments come out of there. I am workin on getting that changed...

So theres the goals. I will revisit this post next month and update the status. Wish me luck!! Any tips are welcomed :)

My advice for college students trying to save

The way I saved money during college is working as much as I could with my classes but never enough to overwhelm me. I put all my money into a high interest account and made it through college. I went to a community college for nursing and I have no student loans. Watch your account too online! Dont over spend and get charged stupid fees! Dont buy something you cant afford. Just keep saying to yourself that you are only in school for ___ much longer and then you can buy it! You can do it!

Check out College Money Network for more tips!

New Giveaways!!

• Dear Dr.MOZ is giving away a $20 gift certificate to the movies!! I would love this. I really want to go see that movie Step Brothers :)

• Christina over at From Dates to Diapers is giving away haagen-dazs icecream!! YUM!!! AND! BlueBunny Icecream too!

• Oh wow go to My Wooden Spoon she is giving away some amazing prizes!!!

• Last one: if you click the button to the left they are giving away an ipod!!

Borders Gift Card Giveaway!!

Check out In the Shadow of Mt. TBR she is giving away a couple of borders gift cards!! How nice!!

Book Giveaway - The Host

Here at Lori's Reading Corner she is giving away the book The Host by Stephenie Meyer. Check it out. Looks like a great read!!
Suzanne is also giving away a book in her blog. "Love as a way of life" by dr. gary Chapman

Scrapbooking...another one of my hobbies

Anyone who knows me knows I love to scrapbook. I have been doing digital scrapbooking for a while now. Mostly for 2 reasons...since I travel around so much I dont have to carry around all my stuff. But to make up for it I make cards. Also, its alot cheaper to do it online. Heres a few of my creations I have done lately.





Also, here at Bo Bunny's Blog she is giving away peices of her new line "Believe". She said everyday until Friday! So check that out!

By A friend A Book Giveaway

Hey! I found another giveaway to share. It is
But I'm going to keep it short this week because it's time once again for Buy a Friend a Book Week. This time, inspired by one of Stone Soup's Monday giveaways, I'm going to offer up my 're-homing pile'. These are the books that I don't plan to keep and that are currently living in a box near my desk waiting to be re-homed.
To enter, leave a comment on this post by Saturday, with the title of the book that you'd like to win. For two entries, blog about BAFAB Week and my giveaway, and then don't forget to come back and let me know that you have. I'll draw two names next Sunday. If by strange coincidence the two people drawn have chosen the same book, the first name out of the hat will get it and the second will have a chance to choose another from the pile.

Another book giveaway :)

Heres another book giveaway for you! The book she is giving away is about sisters. I have 3 myself so I would love to read this :)

Pay it forward, book giveaway

Hey everyone,
I wanted to share this blog. She is giving away a book to one lucky winner. This drawing she is giving away a brand new copy of The Host by Stephanie Meyer and as a bonus a brand new copy of Mrs. Perfect by Jane Porter. Sign ups will be open until July 19th. The drawing will be held on July 20th.
Good luck!!









Some books I have reviewed this past year are:

The Pact: A Love Story

"I always say i would never reread a book because I know the ending. Well I would read this one again, it was awesome!"

Charlie All Night (Mira) "Eh it was okay, easy to read and funny"

Nineteen Minutes: A Novel "I thought this book was really good. An ending I didnt expect."

No Second Chance "This was a great book! I loved the plot. I couldnt put it down! I love Harlan coben books!"

My Sister's Keeper: A Novel "Loved this book! I hear theres a movie coming out too! I want to see it!

	At First Sight "I loved this book, i did not expect that ending!"

Everyone is going green these days

Well, living life on the road we have been trying to save energy and "going green" in as many ways as we can.

• We bring all our own shopping bags to the store. We actually have collected them. When we were at the San Diego Zoo we got one. Also we visited a huge Hollywood record store, Amoeba Records, and got one there. Its a cool thing to collect and use...the baggers at the store always ask if we really went there haha.
• Not only do we bring our own bags but we also have reusable lunch bags. Go here to grab one yourself! www.reusablebags.com
• My fiance works at Starbucks so we are always going there. We have 2 usuable cups from starbucks. One for the hot and one for the cold. They sell both at the store, I think the cold one is the coolest1 www.starbucks.com
• We keep energy down by closing the blinds in our living room around 3 in the afternoon because the sun makes it so hot!
• We ride our bike as far as we can. My fiance rides it to work everyday! Especially in the summer its so easy! We also try to walk as far as we can.
• We do laundry and run the dishwasher only when we cant fit anything else in it!
• Always empty the lint collector!
• We usually only have one light on in the house at a time. make sure everything is shut off before bed, especially the computer.
• It may sound gross but we use the motto "yellow let it mellow" in our bathroom haha. We don't have guests over because we dont know alot of people in the area so its only us! --If people were to visit we would flush haha--
• No more than 10 minute showers.
• We make alot of purchases online! It saves on gas and most the time I can find an online code for free shipping. Check out www.waitable.com www.retail-me-not.com and www.naughtycodes.com
• I always buy the Sunday paper for coupons but rarely read the articles, so I bring it to work! Everyone gets to read it and I'll recycle it at the end of the shift.

Those are just a few ways to save! What are you doing??