Friday, December 31, 2010

Money Goals for 2011 and review from 2010



2011 Money Goals

Well, with 2 babies on the way and me being out of work for about 5 months this year is gonna be a tough one. Lets see what we can do!


Debt

  • Pay off Medical Bills from Dr. Guerreri, Lake Health, Dentist, Pediatrician appointments, Labs
  • Keep paying Adams Big Loan-I would like to get this to $28,000 at the end of this year
Save
  • Continue to contribute the max to my Roth $5000
  • Start college savings accounts for the kids, goal of $100 each this year?
  • Save for a new car for winter 2011 probably :(
Frugal
  • Make Homemade baby food
  • Breastfeed
  • Use recipes with less ingredients
  • Free/Cheap stockups at drugstores with coupons from newspaper
Home
We did so much in 2010! I am not sure what we have planned for 2011...
  • Drywall Office
  • Paint office
  • Floor in office
  • Carpet Living Room
  • Get closet doors
  • Install counter top in bathroom
Organize Accounts
  • Call Fidelity about CCF 403B rolling into Roth
Budget
I have to sit down with adam for this part...

Review of 2010 Goals
Overall I think we did well. Our house took up most of the money, but we have done so much around here! Heres a review:

Goals 2010
  • pay one fund at a time and get to the goal of the emergency fund $5000 first
  • Keep paying Adams Big Loan--extra payments once small loan is gone-
  • Save $40 in HSA fund
  • Get bank account to $10000 pay off medical bills and then pay off adams small loan
  • Buy a boiler
  • Consider Refinancing our House---4% 15 yrs! Plan to payoff in 12 yrs
  • Redo downstairs plumbing ($1100)
  • Continue to contribute the max to my Roth $5000
  • Close Huntington and move money to northwest saving--2/10
  • Pay $450 more for basement plumbing done 3/5
  • Buy Cavs season tickets...make a fund next year!--bought 3/10---did not start for next year
  • Use Thank You rewards for Adams Loans-- used them! 5/10
  • Opening a Schwab 2% Cash back card--will use all cash back for Adams loans 5/10
  • Pay off Adams Small Loan by December--PAID OFF!!! 6/10
  • Get Emergency Fund Back to $5000--5861.43!! 6/10
  • Once we get the Schwab card, get rid of Citi---done with citi! 6/10
  • Get Baby Fund to at least $5500(we have changed this goal to $10000 due to bedrest)- currently at $10002.00--GOAL MET!!! 9/10
  • Start IKEA fund so we can go on a shopping spree haha ($1000 goal)- went on our shopping spree :) 9/10
  • Look into different mutual funds for Roth...--done 9/10 will check back 12/10
  • Start Boiler Fund and buy a boiler this year with tax credit Save $3000-- Got the boiler installed, about $6000
  • Pay off Adams Small Loan by March done!
  • Pay all medical bills etc with HSA Fund--used up all of our HSA :(
Home in 2010
  • Paint upstairs bathroom orange-- bought paint 1/10
  • Put in new toilet and plumbing downstairs done 5/10
  • Get window treatments for bedrooms done 5/10
  • Put in new toilet upstairs done 5/10
  • Install toilet and sink done 5/10
  • Paint downstairs bathroom-- bought paint 1/10
  • Install bathroom floor--floor boards are down! 3/10 installed 8/10!
  • Paint Guest Bedroom--Base Coat and Closet are painted! 2/10
  • Buy carpet for guest bedroom--done 8/10
  • Buy floor for downstairs bathroom--bought 4/10
  • Redo electrical box- done 3/10
  • Get all downstairs plumbing done--done 3/10
  • Get Drywall done in downstairs bathroom-- done! 3/10
  • Put downstairs bathroom floor in done 5/10!
  • Paint Bathroom done 5/10!
  • Buy bathroom sink- done 4/10
  • Install dryer--done 9/10!
  • Install cabinet in bathroom--done 9/10
  • Buy upstairs carpet for guest room--done 8/10
  • Paint upstairs guestroom--done 7/10
  • Take a trip to IKEA to furnish guest room before babies come--done 9/10
  • Put shelves up in blue room done 10/10 and babies room
  • Set up babies room with cribs done 10/10 and gliders and decorate
  • Get chimneys inspected done 11/10
  • Get a new boiler done 11/10
  • Get babies dresser organized and sheets on the cribs kind of done 12/10

Thursday, December 9, 2010

Money Goals for December





Debt
  • Pay of Medical Bills from surgery- currently $277.06 for lab and $226.96 10/1 Dr Guerreri $530.96 will pay minimum right now because thats all we can afford...
  • Keep paying Adams Big Loan--extra payments once small loan is gone-- no extra this month due to other expenses. Currently at 32,169.55
Save
  • Continue to contribute the max to my Roth $5000-- 2010 roth-currently at 4,411.00 added $416
  • Start a new carpet fund-- started with $10--on hold :)
  • Start saving for baby stuff that we dont get at the shower--no savings right now, just trying to pay bills
Frugal
  • No More than $200/mo on groceries--spent $207 will continue with monthly meals, its hard to get to the grocery store together more than once a month!
  • Free/Cheap stockups at drugstores- I got some stockups on diapers,wipes and cleaning stuff

Home
  • Paint upstairs bathroom orange-- bought paint 1/10
  • Put in new toilet and plumbing downstairs done 5/10
  • Get window treatments for bedrooms done 5/10
  • Put in new toilet upstairs done 5/10
  • Get closet doors
  • Install toilet and sink done 5/10
  • Paint downstairs bathroom-- bought paint 1/10
  • Install bathroom floor--floor boards are down! 3/10 installed 8/10!
  • Paint computer room
  • Install Floor in computer room
  • Paint Guest Bedroom--Base Coat and Closet are painted! 2/10
  • Buy carpet for guest bedroom--done 8/10
  • Buy floor for downstairs bathroom--bought 4/10
  • Redo electrical box- done 3/10
  • Get all downstairs plumbing done--done 3/10
  • Get Drywall done in downstairs bathroom-- done! 3/10
  • Put downstairs bathroom floor in done 5/10!
  • Paint Bathroom done 5/10!
  • Buy bathroom sink- done 4/10
  • Install dryer--done 9/10!
  • Install cabinet in bathroom--done 9/10
  • Install countertop in bathroom
  • Buy upstairs carpet for guest room--done 8/10
  • Paint upstairs guestroom--done 7/10
  • Carpet Living and Dining rooms
  • Take a trip to IKEA to furnish guest room before babies come--done 9/10
  • Drywall Office
  • Paint office
  • Floor in office
  • Put shelves up in blue room done 10/10 and babies room
  • Set up babies room with cribs done 10/10 and gliders and decorate
  • Get chimneys inspected done 11/10
  • Get a new boiler done 11/10
  • Get babies dresser organized and sheets on the cribs
Organize Accounts
  • Pay off Credit Card biweekly--paid!

Budget
$200 mo groceries spent about 276
$280 mo gas $172/mo--got a new boiler and new gas company, wonder if it will make a difference
$600 year auto repair 87 oil change, 400 insurance
$50 mo electricity --$33
$50 mo clothing--none!
$100 fast food/dining--$200---went out every wednesday for broomball and to melt with elise...
$40 Water quarterly--1/10 $31.41 8/10- $82.00

Added Goals
  • pay one fund at a time and get to the goal of the emergency fund $5000 first DONE!
  • Keep paying Adams Big Loan--extra payments once small loan is gone--started this!
  • Save $40 in HSA fund-I will be put on hold until medical bill is gone
  • Get all funds done then make emergency fund 6 month savings
  • Get bank account to $10000 pay off medical bills and then pay off adams small loan---kinda switched this. 1/3 to medical/boiler/student loan
  • Buy a boiler in August---or september... or october... or november...

Completed Goals
  • Consider Refinancing our House---7/16 it will be final!! 4% 15 yrs! Plan to payoff in 12 yrs
  • Redo downstairs plumbing ($1100)--paid 1/7 and 1/21
  • Continue to contribute the max to my Roth $5000--Maxed 2/8
  • Close Huntington and move money to northwest saving--2/10
  • Pay $450 more for basement plumbing done! done 3/5
  • Buy Cavs season tickets...make a fund next year!--bought 3/10
  • Use Thank You rewards for Adams Loans-- used them! 5/10
  • Opening a Schwab 2% Cash back card--will use all cash back for Adams loans 5/10
  • Pay off Adams Small Loan by December--PAID OFF!!! 6/10
  • Get Emergency Fund Back to $5000--5861.43!! 6/10
  • Once we get the Schwab card, get rid of Citi---done with citi! 6/10
  • Get Baby Fund to at least $5500(we have changed this goal to $10000 due to bedrest)- currently at $10002.00--GOAL MET!!! 9/10
  • Start IKEA fund so we can go on a shopping spree haha ($1000 goal)- went on our shopping spree :) 9/10
  • Look into different mutual funds for Roth...--done 9/10 will check back 12/10
  • Start Boiler Fund and buy a boiler this year with tax credit Save $3000-- Got the boiler installed, about $6000

Goals not completed
  • Pay off Adams Small Loan by March
  • Talk with Wells Fargo, they want to refinance our home--ill wait til they call again, havent had time to meet with him
  • Save at least $300 for Sean and Mandys wedding in Disney-We decided that its not a good idea to go due to my surgery costs :( We are sad about it.
  • Opening a Chase checking because they are giving away $150
    Publish Post
  • Pay all medical bills etc with HSA Fund--used up all of our HSA :( once medical bill is paid we will continue to contribute
  • Save $40 in HSA fund--will look into a new HSA next year and how to maximize...
  • Start Cavs fund when our first fund reaches its goal and small loan is paid off--will not be doing this for 2011
  • Move 401k from Principal to Fidelity in may 2010--still didnt do this--did you jeannie??

Thursday, November 4, 2010

Money Goals for November




Debt

  • Pay of Medical Bills from surgery- currently $277 for lab bills and $286 from Dr Guerreri...plus whatever anthem is going to charge us...
  • Keep paying Adams Big Loan--extra payments once small loan is gone-- $753 extra to the loan this month!! Currently at $34,441.56
Save
  • Pay all medical bills etc with HSA Fund--used up all of our HSA :( once medical bill is paid we will continue to contribute
  • Continue to contribute the max to my Roth $5000-- 2010 roth-currently at 3,995.00 added $416
  • Start Boiler Fund and buy a boiler this year with tax credit Save $3000-- currently $3,621.37 Got some estimates last month--another one coming tomorrow...hopefully will have it installed this month and will be withdrawing from our emergency fund for this
  • Save $40 in HSA fund--will continue to do this once medical bill is paid off
  • Start Cavs fund when our first fund reaches its goal and small loan is paid off--just started with $10---will be rethinking this for next year...
  • Start a new carpet fund-- started with $10--on hold :)
  • Start saving for baby stuff that we dont get at the shower


Frugal
  • No More than $200/mo on groceries--spent $276--tried doing 1 month shopping..will try again this month
  • Free/Cheap stockups at drugstores- I got some stockups on diapers and wipes!

Home
  • Paint upstairs bathroom orange-- bought paint 1/10
  • Put in new toilet and plumbing downstairs done 5/10
  • Get window treatments for bedrooms done 5/10
  • Put in new toilet upstairs done 5/10
  • Get closet doors
  • Install toilet and sink done 5/10
  • Paint downstairs bathroom-- bought paint 1/10
  • Install bathroom floor--floor boards are down! 3/10 installed 8/10!
  • Paint computer room
  • Install Floor in computer room
  • Paint Guest Bedroom--Base Coat and Closet are painted! 2/10
  • Buy carpet for guest bedroom--done 8/10
  • Buy floor for downstairs bathroom--bought 4/10
  • Redo electrical box- done 3/10
  • Get all downstairs plumbing done--done 3/10
  • Get Drywall done in downstairs bathroom-- done! 3/10
  • Put downstairs bathroom floor in done 5/10!
  • Paint Bathroom done 5/10!
  • Buy bathroom sink- done 4/10
  • Install dryer--done 9/10!
  • Install cabinet in bathroom--done 9/10
  • Install countertop in bathroom
  • Buy upstairs carpet for guest room--done 8/10
  • Paint upstairs guestroom--done 7/10
  • Carpet Living and Dining rooms
  • Take a trip to IKEA to furnish guest room before babies come--done 9/10
  • Drywall Office
  • Paint office
  • Floor in office
  • Put shelves up in blue room done 10/10 and babies room
  • Set up babies room with cribs done 10/10 and gliders and decorate
  • Get chimneys inspected
  • Get a new boiler
Organize Accounts
  • Move 401k from Principal to Fidelity in may 2010--still didnt do this--did you jeannie??
  • Pay off Credit Card biweekly--paid!

Budget
$200 mo groceries spent about 276
$280 mo gas $172/mo--tried sending our gas bill to carla guerreri, will look forward to hearing from her
$600 year auto repair none this month
$50 mo electricity --$87
$50 mo clothing--$247---$150 for a tux for daves wedding...
$100 fast food/dining--$130
$40 Water quarterly--1/10 $31.41 8/10- $82.00

Added Goals
  • pay one fund at a time and get to the goal of the emergency fund $5000 first DONE!
  • Keep paying Adams Big Loan--extra payments once small loan is gone--started this!
  • Save $40 in HSA fund-I will be put on hold until medical bill is gone
  • Get all funds done then make emergency fund 6 month savings
  • Get bank account to $10000 pay off medical bills and then pay off adams small loan---kinda switched this. 1/3 to medical/boiler/student loan
  • Buy a boiler in August---or september... or october... or november...

Completed Goals
  • Consider Refinancing our House---7/16 it will be final!! 4% 15 yrs! Plan to payoff in 12 yrs
  • Redo downstairs plumbing ($1100)--paid 1/7 and 1/21
  • Continue to contribute the max to my Roth $5000--Maxed 2/8
  • Close Huntington and move money to northwest saving--2/10
  • Pay $450 more for basement plumbing done! done 3/5
  • Buy Cavs season tickets...make a fund next year!--bought 3/10
  • Use Thank You rewards for Adams Loans-- used them! 5/10
  • Opening a Schwab 2% Cash back card--will use all cash back for Adams loans 5/10
  • Pay off Adams Small Loan by December--PAID OFF!!! 6/10
  • Get Emergency Fund Back to $5000--5861.43!! 6/10
  • Once we get the Schwab card, get rid of Citi---done with citi! 6/10
  • Get Baby Fund to at least $5500(we have changed this goal to $10000 due to bedrest)- currently at $10002.00--GOAL MET!!! 9/10
  • Start IKEA fund so we can go on a shopping spree haha ($1000 goal)- went on our shopping spree :) 9/10
  • Look into different mutual funds for Roth...--done 9/10 will check back 12/10

Goals not completed
  • Pay off Adams Small Loan by March
  • Talk with Wells Fargo, they want to refinance our home--ill wait til they call again, havent had time to meet with him
  • Save at least $300 for Sean and Mandys wedding in Disney-We decided that its not a good idea to go due to my surgery costs :( We are sad about it.
  • Opening a Chase checking because they are giving away $150
    Publish Post

Monday, October 4, 2010

Money Goals for October





Debt

  • Pay of Medical Bills from surgery- $410.00 from surgery, new lab bills $795
  • Keep paying Adams Big Loan--extra payments once small loan is gone-- so we redid this plan again...splitting any extra to medical/student loans/boiler So we were able to put $510 extra to the loan this month!! Currently at $34,441.56
Save
  • Pay all medical bills etc with HSA Fund--used up all of our HSA :( once medical bill is paid we will continue to contribute
  • Continue to contribute the max to my Roth $5000-- 2010 roth-currently at 3,579.00 added $416---Adjusted some of my funds this month
  • Start Boiler Fund and buy a boiler this year with tax credit Save $3000-- currently $2240 didnt get to get the boiler last month. Hopefully this month!
  • Save $40 in HSA fund--will continue to do this once medical bill is paid off
  • Start Cavs fund when our first fund reaches its goal and small loan is paid off--just started with $10---will be rethinking this for next year...
  • Start a new carpet fund-- started with $10--on hold :)


Frugal
  • No More than $200/mo on groceries--spent about $300 but we didnt go out to eat at all!
  • Free/Cheap stockups at drugstores- I got some stockups on diapers and wipes!

Home
  • Paint upstairs bathroom orange-- bought paint 1/10
  • Put in new toilet and plumbing downstairs done 5/10
  • Get window treatments for bedrooms done 5/10
  • Put in new toilet upstairs done 5/10
  • Get closet doors
  • Install toilet and sink done 5/10
  • Paint downstairs bathroom-- bought paint 1/10
  • Install bathroom floor--floor boards are down! 3/10 installed 8/10!
  • Paint computer room
  • Install Floor in computer room
  • Paint Guest Bedroom--Base Coat and Closet are painted! 2/10
  • Buy carpet for guest bedroom--done 8/10
  • Buy floor for downstairs bathroom--bought 4/10
  • Redo electrical box- done 3/10
  • Get all downstairs plumbing done--done 3/10
  • Get Drywall done in downstairs bathroom-- done! 3/10
  • Put downstairs bathroom floor in done 5/10!
  • Paint Bathroom done 5/10!
  • Buy bathroom sink- done 4/10
  • Install dryer--done 9/10!
  • Install cabinet in bathroom--done 9/10
  • Install countertop in bathroom
  • Buy upstairs carpet for guest room--done 8/10
  • Paint upstairs guestroom--done 7/10
  • Carpet Living and Dining rooms
  • Take a trip to IKEA to furnish guest room before babies come--done 9/10
  • Drywall Office
  • Paint office
  • Floor in office
  • Put shelves up in blue room and babies room

Organize Accounts
  • Move 401k from Principal to Fidelity in may 2010--still didnt do this--did you jeannie??
  • Pay off Credit Card biweekly--paid!

Budget
$200 mo groceries spent about $300 but no eating out
$280 mo gas $172/mo
$600 year auto repair none this month
$50 mo electricity --$161! Hot summer??
$50 mo clothing--$90 for some maternity clothes
$100 fast food/dining--$56 starbucks and jimmy johns due to working days
$40 Water quarterly--1/10 $31.41 8/10- $82.00

Added Goals
  • pay one fund at a time and get to the goal of the emergency fund $5000 first DONE!
  • Keep paying Adams Big Loan--extra payments once small loan is gone--started this!
  • Save $40 in HSA fund-I will be put on hold until medical bill is gone
  • Get all funds done then make emergency fund 6 month savings
  • Get bank account to $10000 pay off medical bills and then pay off adams small loan---kinda switched this. 1/3 to medical/boiler/student loan
  • Buy a boiler in August---or september... or october...

Completed Goals
  • Consider Refinancing our House---7/16 it will be final!! 4% 15 yrs! Plan to payoff in 12 yrs
  • Redo downstairs plumbing ($1100)--paid 1/7 and 1/21
  • Continue to contribute the max to my Roth $5000--Maxed 2/8
  • Close Huntington and move money to northwest saving--2/10
  • Pay $450 more for basement plumbing done! done 3/5
  • Buy Cavs season tickets...make a fund next year!--bought 3/10
  • Use Thank You rewards for Adams Loans-- used them! 5/10
  • Opening a Schwab 2% Cash back card--will use all cash back for Adams loans 5/10
  • Pay off Adams Small Loan by December--PAID OFF!!! 6/10
  • Get Emergency Fund Back to $5000--5861.43!! 6/10
  • Once we get the Schwab card, get rid of Citi---done with citi! 6/10
  • Get Baby Fund to at least $5500(we have changed this goal to $10000 due to bedrest)- currently at $10002.00--GOAL MET!!! 9/10
  • Start IKEA fund so we can go on a shopping spree haha ($1000 goal)- went on our shopping spree :) 9/10
  • Look into different mutual funds for Roth...--done 9/10 will check back 12/10

Goals not completed
  • Pay off Adams Small Loan by March
  • Talk with Wells Fargo, they want to refinance our home--ill wait til they call again, havent had time to meet with him
  • Save at least $300 for Sean and Mandys wedding in Disney-We decided that its not a good idea to go due to my surgery costs :( We are sad about it.
  • Opening a Chase checking because they are giving away $150
    Publish Post

Thursday, September 2, 2010

Money Goals for September


Sorry I missed August :)
Debt

  • Pay of Medical Bills from surgery- $768.06 left!---getting alot more though :(
  • Get Baby Fund to at least $5500(we have changed this goal to $10000 due to bedrest)- currently at $6523.16
  • Keep paying Adams Big Loan--extra payments once small loan is gone-- currently putting all extra into baby fund, we will get back to this when we reach our babyfund goal. at 34,712.07 down $349.65 will be paying $160 extra each month plus cc rewards!(will start again after babyfund at $10000)
Save
  • Pay all medical bills etc with HSA Fund--used up all of our HSA :( once medical bill is paid we will continue to contribute
  • Continue to contribute the max to my Roth $5000-- 2010 roth-currently at 3,163.00 added $416
  • Start Boiler Fund and buy a boiler this year with tax credit Save $2000-- currently $1200.56 will be getting a new boiler this month
  • Get Vacation fund to $1000--currently $0- nothing added this month
  • Start IKEA fund so we can go on a shopping spree haha ($1000 goal)- currently at $542.97
  • Save $40 in HSA fund--will continue to do this once medical bill is paid off
  • Start Cavs fund when our first fund reaches its goal and small loan is paid off--just started with $10
  • Start a new carpet fund-- started with $10

Frugal
  • No More than $200/mo on groceries--August was bad, we went over on everything...I wasnt feeling well the whole month so there was alot of eating out because I never knew what I wanted to eat. September will be better I hope!
  • Free/Cheap stockups at drugstores- I got some stockups on diapers!
Home
  • Paint upstairs bathroom orange-- bought paint 1/10
  • Put in new toilet and plumbing downstairs done 5/10
  • Get window treatments for bedrooms done 5/10
  • Put in new toilet upstairs done 5/10
  • Get closet doors
  • Install toilet and sink done 5/10
  • Paint downstairs bathroom-- bought paint 1/10
  • Install bathroom floor--floor boards are down! 3/10
  • Paint computer room
  • Install Floor in computer room
  • Paint Guest Bedroom--Base Coat and Closet are painted! 2/10
  • Buy carpet for guest bedroom--done 8/10
  • Buy floor for downstairs bathroom--bought 4/10
  • Redo electrical box- done 3/10
  • Get all downstairs plumbing done--done 3/10
  • Get Drywall done in downstairs bathroom-- done! 3/10
  • Put downstairs bathroom floor in done 5/10!
  • Paint Bathroom done 5/10!
  • Buy bathroom sink- done 4/10
  • Install dryer
  • Install cabinet in bathroom
  • Install countertop in bathroom
  • Buy upstairs carpet for guest room--done 8/10
  • Paint upstairs guestroom--done 7/10
  • Carpet Living and Dining rooms
  • Take a trip to IKEA to furnish guest room before babies come
Organize Accounts
  • Move 401k from Principal to Fidelity in may 2010--still didnt do this--did you jeannie??
  • Pay off Credit Card biweekly--paid!
Budget
$200 mo groceries spent way too much
$280 mo gas $172/mo
$600 year auto repair none this month
$50 mo electricity --$108.00! not sure why
$50 mo clothing--$too much
$100 fast food/dining--$way too much
$40 Water quarterly--1/10 $31.41 8/10- $82.00

Added Goals
  • pay one fund at a time and get to the goal of the emergency fund $5000 first DONE!
  • Keep paying Adams Big Loan--extra payments once small loan is gone--started this!
  • Save $40 in HSA fund--will be put on hold until medical bill is gone
  • Get all funds done then make emergency fund 6 month savings
  • Get bank account to $10000 pay off medical bills and then pay off adams small loan---kinda switched this. Paid off loan and now working on the medical bill
  • Buy a boiler in August---or september...
Completed Goals
  • Consider Refinancing our House---7/16 it will be final!! 4% 15 yrs! Plan to payoff in 12 yrs
  • Redo downstairs plumbing ($1100)--paid 1/7 and 1/21
  • Continue to contribute the max to my Roth $5000--Maxed 2/8
  • Close Huntington and move money to northwest saving--2/10
  • Pay $450 more for basement plumbing done! done 3/5
  • Buy Cavs season tickets...make a fund next year!--bought 3/10
  • Use Thank You rewards for Adams Loans-- used them! 5/10
  • Opening a Schwab 2% Cash back card--will use all cash back for Adams loans 5/10
  • Pay off Adams Small Loan by December--PAID OFF!!! 6/10
  • Get Emergency Fund Back to $5000--5861.43!! 6/10
  • Once we get the Schwab card, get rid of Citi---done with citi! 6/10
Goals not completed
  • Pay off Adams Small Loan by March
  • Talk with Wells Fargo, they want to refinance our home--ill wait til they call again, havent had time to meet with him
  • Save at least $300 for Sean and Mandys wedding in Disney-We decided that its not a good idea to go due to my surgery costs :( We are sad about it.
  • Look into different mutual funds for Roth...--i still dont know what i am doing with this..
  • Opening a Chase checking because they are giving away $150

Thursday, July 1, 2010

Money Goals for July



Goals

Debt
  • Pay off Adams Small Loan by December--currently at: $0--we paid it off!!!
  • Get Emergency Fund Back to $5000-- currently $5861.43--added $1347.11 this month, we reached our goal!!
  • Keep paying Adams Big Loan--extra payments once small loan is gone-- currently at 35,643.72 down $363 will be paying $160 extra each month plus cc rewards. Hope to get this paid off by the time we are 30 yrs old
Save
  • Pay all medical bills etc with HSA Fund-- total surgery bill $2600. dont even know where to start with this. I think I will take whatever I can put into our funds and split it in half. Also use up everything in HSA funds.
  • Continue to contribute the max to my Roth $5000-- 2010 roth-currently at 2123.00 added $416
  • Start Boiler Fund and buy a boiler this year with tax credit Save $2000-- currently $970.66 no change this month
  • Get Baby Fund up to $5500 at least--currently at 3870.84 added $485.15 this month!
  • Get Vacation fund to $1000--currently $60.20-added nothing this month
  • Start IKEA fund so we can go on a shopping spree haha ($1000 goal)- currently at $541.48
  • Save $40 in HSA fund--currently we have two HSA balances: 220.01 and 446.59---will be using for medical bill
  • Start Cavs fund when our first fund reaches its goal and small loan is paid off--just started with $10
  • Start a new carpet fund

Frugal
  • No More than $200/mo on groceries--June $202...a little over
  • Free/Cheap stockups at drugstores- I will be getting a big check from Rite aid next month I think!
Home
  • Paint upstairs bathroom orange-- bought paint 1/10
  • Put in new toilet and plumbing downstairs done 5/10
  • Get window treatments for bedrooms done 5/10
  • Put in new toilet upstairs done 5/10
  • Get closet doors
  • Install toilet and sink done 5/10
  • Paint downstairs bathroom-- bought paint 1/10
  • Install bathroom floor--floor boards are down! 3/10
  • Paint computer room
  • Install Floor in computer room
  • Paint Guest Bedroom--Base Coat and Closet are painted! 2/10
  • Buy carpet for guest bedroom
  • Buy floor for downstairs bathroom--bought 4/10
  • Redo electrical box- done 3/10
  • Get all downstairs plumbing done--done 3/10
  • Get Drywall done in downstairs bathroom-- done! 3/10
  • Put downstairs bathroom floor in done 5/10!
  • Paint Bathroom done 5/10!
  • Buy bathroom sink- done 4/10
  • Install dryer
  • Install cabinet in bathroom
  • Install countertop in bathroom
  • Buy upstairs carpet for guest room
  • Paint upstairs guestroom
  • Carpet Living and Dining rooms
Organize Accounts
  • Move 401k from Principal to Fidelity in may 2010--still didnt do this--did you jeannie??
  • Pay off Credit Card biweekly--paid!
Budget
$200 mo groceries spent $202
$280 mo gas $172/mo
$600 year auto repair none this month
$50 mo electricity --$56.63! not sure why
$50 mo clothing--$64, got some new summer dresses
$100 fast food/dining--$278--Dawn came home and we went out
$40 Water quarterly--1/10 $31.41

Added Goals
  • pay one fund at a time and get to the goal of the emergency fund $5000 first DONE!
  • Keep paying Adams Big Loan--extra payments once small loan is gone--started this!
  • Save $40 in HSA fund--will be put on hold until medical bill is gone
  • Get all funds done then make emergency fund $10000
  • Get bank account to $10000 pay off medical bills and then pay off adams small loan---kinda switched this. Paid off loan and now working on the medical bill
  • Buy a boiler in August
Completed Goals
  • Consider Refinancing our House---7/16 it will be final!! 4% 15 yrs!
  • Redo downstairs plumbing ($1100)--paid 1/7 and 1/21
  • Continue to contribute the max to my Roth $5000--Maxed 2/8
  • Close Huntington and move money to northwest saving--2/10
  • Pay $450 more for basement plumbing done! done 3/5
  • Buy Cavs season tickets...make a fund next year!--bought 3/10
  • Use Thank You rewards for Adams Loans-- used them! 5/10
  • Opening a Schwab 2% Cash back card--will use all cash back for Adams loans 5/10
  • Pay off Adams Small Loan by December--PAID OFF!!! 6/10
  • Get Emergency Fund Back to $5000--5861.43!! 6/10
  • Once we get the Schwab card, get rid of Citi---done with citi! 6/10
Goals not completed
  • Pay off Adams Small Loan by March
  • Talk with Wells Fargo, they want to refinance our home--ill wait til they call again, havent had time to meet with him
  • Save at least $300 for Sean and Mandys wedding in Disney-We decided that its not a good idea to go due to my surgery costs :( We are sad about it.
  • Look into different mutual funds for Roth...--i still dont know what i am doing with this..
  • Opening a Chase checking because they are giving away $150

July Goals in my life





July-
Fun
Take Zak to the Little Cooks
Sean and Mandys Wedding
BBQ Party Hopefully
Meet Meghann for coffee
Go on a walk with Carolyn and Landon
Go to Wintergreen Hill Summer Picnic
Hangout with Sarah and Kevin
See Tom Green
Relay for Life
Read a book
Have a fire with friends
Take scooter ride to kent
Go on a hike to the waterfalls with adam

DIYing/Crafting:
Scrapbook 2 pages
Meet up with Lorina and help her scrapbook

Gardening:
Continue to water flowers
Pick raspberries

Home:
Finish painting guest bedroom
Get dryer hooked up
Get towel rack up

Cooking:
Make one new recipe every week!
Make a new dessert

Wellness:
Ride bike twice a week
Yoga twice a week

Work:
Work a contract at hillcrest
One day a week at Tripoint
Look into RNC

June Review-
Fun
Grandpas Party June 12--Grandma and Grandpa got sick :(
See Dawn when she comes home and get pedicures
Jeannie and Adams MCdonalds party
See Sarah and Kevin again-- Went to sushi with Sarah but no kevin :(
Read a book--Started
Have a fire with friends--still havent done that!
Meet up with sean and mandy to give wedding gift didnt get to!
Take scooter ride to kent---not yet...

DIYing/Crafting:
Scrapbook 2 pages, just got to do one...
Meet up with Lorina and help her scrapbook

Gardening:
Weed the raspberries
Plant watermelon
Plant strawberries

Home:
Get bathroom floor in
Wash our comforter once the washer and dryer are in--not in yet
Put up bathroom mirror, toilet paper roll and towel rack--still waiting on towel rack
Buy cleaning supplies for downstairs bathroom

Cooking:
Make one new recipe every 2 weeks--made Stuffed Eggplants and Cheesy Lasagna Roll ups! Both were great!

Wellness:
Run twice a week!--I was doing good until this week, been working 9 nights in a row, only ran once, no energy

Work:
Work a contract at hillcrest--did it!
Interview at tripoint--got hired and started!
Go agency at rbc--no positions, I quit

Tuesday, June 22, 2010

Rayovac summer giveaway!

rayovac-summer-logo-300

The exciting, new Rayovac Powers Your Summer Promotion started yesterday, June 21st and runs through July 20th. There are many ways you can win. Rayovac is offering giveaways and summer fun tips at the promotion website. Simply tell them how you'll power your fun this summer each day for a chance to win prizes ranging from Cameras and Bikes to Camping Supplies and a Summer Supply of Rayovac Batteries! No trick questions here! There is no correct answer to how you and your family add the Power of Fun to your summer! Must be a US resident and 18 or older at the time of entry to enter this Promotion, the Twitter Event or the Blogger Promotion.

For example, here is today’s question:

13 million Americans go camping each year. What is your camping style? Backyard, adventurous, roughing it?

I told them we will rough it in denver in August!

Wednesday, June 9, 2010

Giveaways for fathers day



Giveaways for Dads day!
PennyPinchinmom.com $100 Home Depot card!
Saving Cents with Sense $100 Home Depot Card

Tuesday, June 1, 2010

Money Goals for June


Goals

Debt
  • Pay off Adams Small Loan by December--currently at: $3245.22---we will use the rebates from our cc next month
  • Get Emergency Fund Back to $5000-- currently $4514.32--added $960 this month, we have a new strategy of rolling all the money into one fund at a time and getting it to our goal.
  • Keep paying Adams Big Loan--extra payments once small loan is gone-- currently at $36,006.85, paid off about 500 this month including our thankyou rewards check
Save
  • Pay all medical bills etc with HSA Fund-- waiting on the surgery claim...paid $87 last month
  • Continue to contribute the max to my Roth $5000-- 2010 roth-currently at $1,707.00
  • Start Boiler Fund and buy a boiler this year with tax credit Save $2000-- currently $969.76 added $182.90 this month
  • Get Baby Fund up to $5500 at least--currently at $3385.69 added nothing this month
  • Get Vacation fund to $1000--currently $60.69-added nothing this month
  • Start IKEA fund so we can go on a shopping spree haha ($1000 goal)- currently at $540.98
  • Save $40 in HSA fund--currently we have two HSA balances: 220.01 and 446.59

Frugal
  • No More than $200/mo on groceries--May $246...a little over
  • Free/Cheap stockups at drugstores- got $3 from surveys in May
Home
  • Paint upstairs bathroom orange-- bought paint 1/10
  • Put in new toilet and plumbing downstairs done 5/10
  • Get window treatments for bedrooms done 5/10
  • Put in new toilet upstairs done 5/10
  • Get closet doors
  • Install toilet and sink done 5/10
  • Paint downstairs bathroom-- bought paint 1/10
  • Install bathroom floor--floor boards are down! 3/10
  • Paint computer room
  • Install Floor in computer room
  • Paint Guest Bedroom--Base Coat and Closet are painted! 2/10
  • Buy carpet for guest bedroom
  • Buy floor for downstairs bathroom--bought 4/10
  • Redo electrical box- done 3/10
  • Get all downstairs plumbing done--done 3/10
  • Get Drywall done in downstairs bathroom-- done! 3/10
  • Put downstairs bathroom floor in done 5/10!
  • Paint Bathroom done 5/10!
  • Buy bathroom sink- done 4/10
  • Install dryer
  • Install cabinet in bathroom
  • Install countertop in bathroom
  • Buy upstairs carpet for guest room
Organize Accounts
  • Move 401k from Principal to Fidelity in may 2010--will look into this 5/10, forgot to do that...try this month
  • Pay off Credit Card biweekly--paid!
  • Opening a Chase checking because they are giving away $150
  • Once we get the Schwab card, get rid of Citi---one more bill to pay for citi!

Budget
$200 mo groceries spent $246
$280 mo gas $172/mo
$600 year auto repair 450! adam got in a fender bender...thank god for emergency fund
$50 mo electricity --$44.12!
$50 mo clothing--spent $41 on scrubs!
$100 fast food/dining--$200... from chicago
$40 Water quarterly--1/10 $31.41

Added Goals
  • Start Cavs fund when our first fund reaches its goal and small loan is paid off
  • pay one fund at a time and get to the goal of the emergency fund $5000 first
  • Keep paying Adams Big Loan--extra payments once small loan is gone
  • Save $40 in HSA fund
  • Get all funds done then make emergency fund $10000
  • Get bank account to $10000 pay off medical bills and then pay off adams small loan
Completed Goals
  • Consider Refinancing our House---not worth it with our mortgage company
  • Redo downstairs plumbing ($1100)--paid 1/7 and 1/21
  • Continue to contribute the max to my Roth $5000--Maxed 2/8
  • Close Huntington and move money to northwest saving--2/10
  • Pay $450 more for basement plumbing done! done 3/5
  • Buy Cavs season tickets...make a fund next year!--bought 3/10
  • Use Thank You rewards for Adams Loans-- used them! 5/10
  • Opening a Schwab 2% Cash back card--will use all cash back for Adams loans 5/10
Goals not completed
  • Pay off Adams Small Loan by March
  • Talk with Wells Fargo, they want to refinance our home--ill wait til they call again, havent had time to meet with him
  • Save at least $300 for Sean and Mandys wedding in Disney-We decided that its not a good idea to go due to my surgery costs :( We are sad about it.
  • Look into different mutual funds for Roth...--i still dont know what i am doing with this..

Wednesday, May 19, 2010

June Goals in my life



June-
Fun
Grandpas Party June 12
See Dawn when she comes home and get pedicures
Jeannie and Adams MCdonalds party
See Sarah and Kevin again
Read a book
Have a fire with friends
Meet up with sean and mandy to give wedding gift
Take scooter ride to kent

DIYing/Crafting:
Scrapbook 2 pages
Meet up with Lorina and help her scrapbook

Gardening:
Weed the raspberries
Plant watermelon
Plant strawberries

Home:
Get bathroom floor in
Wash our comforter once the washer and dryer are in
Put up bathroom mirror, toilet paper roll and towel rack
Buy cleaning supplies for downstairs bathroom

Cooking:
Make one new recipe every 2 weeks

Wellness:
Run twice a week!

Work:
Work a contract at hillcrest
Interview at tripoint
Go agency at rbc

May-
Fun
Britt bday dinner--went to Texas Roadhouse, enjoyed seeing everyone!
Sarah and Kevin Housewarming--Didnt get to go due to work :(
Have a fire with our friends--havent had a nice day off yet
See Vicky and Jeremy- saw them twice and went to icecream
Chicago for 5 days!!--It was not what i expected but still nice to get away!
See Trish and Linda- never going to happen
Meet up with Sean and Mandy for wedding gift--maybe this month?
Read a book- Read Fade Away by Harlan Coben, pretty good. Also listened to dave ramsey on cd in my car
If adam and I have a day off: take a scooter ride to kent or hike cuyahoga valley national park--were supposed to may 24, then they scheduled adam to work.

DIYing/Crafting:
Scrapbook 10 Pages, hopefully I can do this in chicago!--I did 7 close enough.

Gardening:
Buy some mulch and top soil for the flower beds--adams dad is gonna give us some multch soon

Home:
Start painting bathroom??--its grey!!
Go through pantry this month and clean out kitchen cabinets-- I got that done!

Cooking:
Make 2 vegetarian recipes--white bean skillet, it was good. Gonna make some white bean chili outta the beans also made this citrus fish, it was ok...dont plan on making it again
Citrus fish was good

Wellness:
Having surgery on may 18--it hurt but no endometriosis so thats good
Preadmission testing May 4--did that too!
Run 4 miles at least during one run and run every day in chicago and once a week at home except the surgery week--ran everyday in chicago and did run once a week at least! I hope i can do the johnnycake

Work:
Work a contract at hillcrest with one day a week at rbc--rbc kept cancelling but i got overtime at hillcrest