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Archive for June, 2006

So Far so Good

June 23rd, 2006 at 07:08 pm

I readjusted the budget for this month and so far it's worked quite well, I think I'll keep it going next month without changing a thing.
No spending days have added to my savings nicely. I haven't noticed much change in feelings (like I'm bored or feeling poor) I took my 401k from risk to low risk. It was just making me crazy losing my hard earned cash so fast. My American Freedom accounts interest rate went up to 4.80% I am jumping for joy and so, so glad I found out about Internet Banks. I did close my savings account I had in town here, earning .40%. I'm ending this month feeling pretty good about things.

Gym Membership

June 22nd, 2006 at 03:15 am

We joined a gym in February for my sons who wanted to weight lift and work out. My employer paid for half our membership and it was bascially only for the kids. We had to get a family membership to get them both on and in. (with the employer paying half was a great deal) my husband and I did not plan on ever going. But, I am trying to manage my health this summer and was told to start doing cardio and some weight lifting so I started going to the gym. It's great and I feel great. I almost feel like I'm cheating and getting in for free.At first I felt intimidated with all the young people there but I forged ahead anyway. I do see people my age and shape there when I looked deeper. I feel an ole pro now zipping in and out, jumping on machines without haveing to read all the instructions and figureing out how they work. Now if I can get my husband to go we just might retire healthy and in shape???

No Spending Week

June 17th, 2006 at 04:57 pm

To try to off-set the market and the big chunk leaving my retirement fund I frugled my way through the week. I usually burn a quarter of a tank of gas a week, I managed to cut that in half. I ate at home, used the library, stopping on my way home from work to save gas. I drank less soda and more tap water. I spent my free time decluttering in and found 250 in travelers checks. WOW. I do not know how long I have had them. So I almost could say I made money this week. I deposited it in my Emigrant account. I also closed my .40% interest savings account and moved that monies to the Emigrant as well. I also rebalanced my 401k. I think I'm set for the summer and just relax with my finances for a bit. It's a little hot and humid this weekend, summer has arrived. I made some hard lemonade and will drink away.

Saturday

June 11th, 2006 at 05:41 am

My husband had a golf outting. In the past, I would go shopping on this day, you know, he's having fun so I'm going to have fun. This past Saturday I didn't go. I stayed home, made my grocery list, pulled coupons, settled my weekly finances, gardened a bit, baked a bit and watched a movie on TV(made popcorn and everything). My bottle line finanially is in tact. I didn't miss a thing and felt good doing it.

What I have learned

June 9th, 2006 at 04:02 am

In my old age, is that every trip to the store needlessly cost my bottom line. I am now to aware of what I spend and why. It is like a light bulb suddenly when off in my head.
Yesterday was my day off, normally I would have zipped to the car wash and have my car done, zip to the mall, look, spend on something I really didn't need, run to the grocery store grap a fast something for dinner.
This is what I did yesterday, washed car at home, (saved 15.00) and got exercise. Did not zip to mall, gardened instead. (who know how much saved but I know it was something) and got more exercise. I went to my freezer and pantry for dinner. (again who knows how much I saved but I know it was something).
I'm feeling pretty good this morning doing my weekly tally, even with the market drop I am still charging (or more like crawling) ahead.

Holding Tight

June 8th, 2006 at 09:10 am

In April I started investing in the stock market, I did well in April. May, well, I learned what it's like to play with the big boys. Now, since June 1st I've been doing a lot of self talking "I'm in it for the long haul, I'm in it for the long haul". I have a 401K as well taking a hit, but I'm diversified. I am trying not to look at the market as much as I was. I'm holding tight and staying the course.

June Goals

June 2nd, 2006 at 03:37 am

Well, after reading everyones entry I have decided to make some June goals.
This month I will take charge of my health.
I will start a walking program(I have a program ready to follow).
I will get my stats(I have an appointment for June 8th).
I will make an appointment with my doctor for a physical.
I will continue to save 10% of my income.
I will continue to follow my budget.
I will continue to feed the coin jar with dollar bills and coin at the end of each day.
I will continue to put 10% into Investments.
I will look into getting extra income from something I love doing.

May!

June 1st, 2006 at 05:54 pm

Even with the market drop last month, I was able to increase my money total. Last month was the first month I used a budget. A complete success in helping me see where my money goes. I was in control of my spending except for a little splurge I had. My coin jar had less in it than last month but that was due to the controled spending. EmigrantDirect has even raised the interest rates on the savings account. I have moved most of my savings into that account now due to the higher interest rates. I've started using coupons again, although our grocery store does not take internet coupons. I am a very happy girl this June 1st. Something I didn't think I could say with the market drop a couple of weeks ago.