Just barely though. :P
I have been so busy this past week and a half with school and work and family... I've been popping in and out, reading a post here and there, or reading a thread.
Last week I did try a new recipe, but it wasn't from any of the cookbooks. It didn't turn out too well. In fact, I hated it. Fiance insisted it didn't taste that bad but I think he was lying to me to spare my feelings. Lol. Tonight I will not be trying a new recipe, but rather a new thing.
Chicken thighs with bone and skin. I have NEVER cooked chicken thighs or breasts with the bones and skins. I always buy them boneless and skinless. But, it is more economical to buy them with the bone and skin still on. We'll see how it turns out. I've seen cooks add herbs and spices underneath the skin so I think I will try that.
School is going well. Info Systems is really boring but really easy. I really like my accounting class. The only class I don't like is probability theory. It is challenging, which I like, but I don't like probability. Which is a bummer because several people have told me to consider becoming an actuary.
Fiance and I are doing well with not spending a lot of money. We went to sushi over the weekend and got all you can eat for $30 for the two of us for dinner. We even got a coupon for the next time we go. But we both agree we won't be eating out again this month.
I will be sticking to Walmart to do my grocery shopping. Last week I went to a different grocery store that my friend said is really good and not expensive and ended up spending a little over $50! I got the same items I usually get at Walmart. So I'll be doing my shopping at Walmart for groceries, with the possible exception of fruit. Sometimes the Walmart here doesn't have the best fruit so I'll go to another grocery store (same shopping center) for that if I need to.
So far my half.com total for this month is $21. Not bad.
I think that is all so far... it seems so little to update on for the past week.
Viewing the 'Banking' Category
Just barely though. :P
Yay for relatives!
My grandma and aunt have given fiance and I a gift certificate to Walmart. So the two of us will be going to Walmart later tonight to do some shopping.
July was incredibly busy. It really flew by and I just realized I only have a few more weeks until school begins. I can't believe my summer is 2/3 over!
I also paid a few fines this month. I returned my library books a couple days late ($1) and then the excessive use fee on my savings for excessive transfers ($10) and I just had an overdraft fee ($10) because a check was cashed that I was not expecting to cash so early. Oh well. Live and learn, right?
I'm hoping that August will be a little less busy. I haven't had much time to post or even read a lot of blogs here. I'm going through withdrawals! :P
I have been so busy lately I haven't had time to blog.
We are moving officially into our apartment tomorrow! I'm so excited! We have already moved many things into the apartment but still have a lot left! I say this a lot, but I am constantly surprised by how much stuff I have. I've given a lot to Goodwill. I'll probably be dropping off more stuff later.
For the first time ever, I had to pay a fee at my bank. I completely forgot that there is a limit to how many withdraws you can have a month from your savings account. I kind of went over. By a lot. I'm not going to ask the bank to reverse the fee as it was my fault I went over my limit.
Which brings me to the main point of this post... would it be a good idea to keep a higher amount in checking to prevent another excess use fee? I think keeping a $1,000 in checking would be a good idea. At the beginning of each month I would make sure there is $1,000 in the checking. Then that money will be used for rent and bills and groceries throughout the month. My checking does earn interest, just not as much as my savings. Would this be a good idea?
I better get back to the laundry... I still have several loads to do before we move.
(Removed for now)
Well. To make this post financial related, my fiance and I combined finances yesterday. We now have $9,100 split between a savings account and a CD.
We also need to decide when we will be getting married. And then start saving for the wedding. We both want a very casual wedding. After working numerous weddings, I am very sure I do not want a formal (or even semi-formal) reception. Have the ceremony at the cathedral and the reception at a relative's house is what I'm thinking.
So much talk of weddings right now!
Today was such a busy day.
The maids came over early, which worked to my advantage as it gave me a jump start on my errands. After they left, I went to the post office, mailed a package, and then headed over to the student services building. I needed to get an official letter from the registrar that I am enrolled as a full-time student for the fall semester (my insurance will not accept a print out from the online registration). After that I had to go to the car insurance office to drop off some paperwork.
And then I went to the apartment, dropped off a bunch of stuff (purses, some clothes, the bikes) and did some cleaning. I lined all the shelves with shelf liner, washed most of our new appliances, and mopped the floor.
And then I realized I forgot to get a jalapeno pepper for one of the recipes I'm making this week. So I went to the store to buy one.
Yes, one jalapeno pepper.
I'm not quite sure how much I was expecting it to cost, but I was not expecting it to cost $0.02 (how much it did cost). I'm lucky I had a nickel in my wallet. I normally don't carry change (unless I find it on the ground) and I wouldn't have been able to use my debit/credit card for that purchase.
The guy ringing me up thought it was hilarious I was buying one jalapeno pepper. He asked me why I was buying one and seemed surprised to hear me say that was all I needed. He probably doesn't see a lot of people buying jalapenos one at a time.
I don't like buying things in bulk. It is just my fiance, brother, and myself (and soon will be just my fiance and I) and we don't need to buy food in bulk. Most of it will go bad before we eat all of it and our freezer isn't big enough to freeze everything.
Fiance and I have decided to go ahead and completely combine finances. He has a CD that will mature this Sunday so Monday we will add him to my savings. We might rollover the CD (with my name on it this time) or we might add that to our savings. We'll probably roll it over for another 3 months.
Yippee! After depositing my paycheck I now have $2,113 in my IRA!
Along with this good news comes bad news. I think I lost the debit card to my dad's checking. I can't find it anywhere. There is a chance it was thrown out last evening. Hoping to find our trash bag, I went to the dumpster this morning but it had already been picked up by WM.
I'll search for it tomorrow morning before class and if I don't find it I'll call the bank when they open.
One place I haven't looked is my boyfriend's car. I might have dropped it in his car.
At work today I seemed to injure and bruise myself non-stop. It was just one of those days. Constantly bumping into things, running things over my foot... you get the drift.
And then I get home, park my car, get out and walk in front of my car and.. ram my knee into my license plate! Already a bruise is forming.
I got my paycheck today! The one bright side. It was for $404.88. So Monday I will go to the bank and deposit it. $202.44 will go into savings, $121.46 will go into my iRA, and $80.97 will be used for spending money. Which I've kind of already spent. Not all of it, only about $30. Agh.
You know, it is a lot easier to justify spending little amounts of money when you are already spending large amounts of money. Boyfriend and I both had a lot of expenses this month- car registration/insurance, parking permits, medical bills... And we started to let our fun money go slightly over because hey, we just wrote a $200 check to boyfriend's doctor, what's the big deal?
Luckily our "out of control spending" lasted only a couple days and cost us only $30. Well, technically $32 and change when you consider sales tax.
Ok, I need to get to sleep. I am way past my bed time.
Yesterday my boyfriend and I went to look at an apartment. There were only three one bedrooms left, and only one on the third floor. So we took it.
I gave them $50 for the application fee, $99 for part of the deposit. We turned in the applications today and we'll find out Monday if we got it! I'm so excited and a little nervous. If need be my dad could sign for us. Hopefully he won't have to.
Arrgh. The wait is horrible. I keep thinking I might have left something out.
When we the apartment we will pay another $150 for rest of the deposit when we move in. Move in date is July 1st.
Yesterday I got a letter I put in the mail back. It was a bill. I put a 42 cent postage on it and it was returned because I needed another 2 cents in postage. Was postage raised? Weird thing is none of the other bills were returned.
Today was payday. My paycheck was for $371.65.
I put $185.83 into savings, $111.49 into my IRA, and I kept $74.33 for spending. $30 of the spending money is going to my Kindle, but the rest I can do whatever I want with.
This brings my new totals to:
When I need to deposit money I usually go into the bank. Today the line was really long so I decided to use the ATM to deposit money.
I confused myself greatly! I didn't realize I need to put the cash in an envelope (I swear the ATM didn't say!) so I tried inserting the bills. But the ATM wouldn't take the bills. And then I forgot to write on the envelope how much cash was in it (after I figured out there were envelopes) and so it spit the envelope out. I went back to my car to fetch a pen and wrote the wrong amount on the envelope. Sigh. Oh well, the correct amount went into my checking anyway. I think I'm going to stick with going inside from now.
Boyfriend and I went mountain biking today. We cut it short as I'm really sore from work the other night.
In the middle of the night my cat decided to knock over a shelving unit (it's on wheels and has fabric drawers). She likes to sleep in the drawers because that's where we keep our PJs. It caused a very loud sound. Not a fun way to be woken up at 1 in the morning.
Boyfriend announced to his family the other day that we will be moving in together later this summer. It went surprisingly well he said. They didn't seem upset but at the same time not really happy either. I'll take that as a win- they've never been really fond of me and the past few months things have just gotten worse between his family and I. I think this is a good sign though.
I got my paycheck today and it was $352.43. I'm really surprised at how high it is. Right after I got my paycheck I went to the bank.
I put $176.23 in savings, $105.72 in IRA, and $70.48 I kept as spending money.
This brings my new totals to:
Yay! I am less than $900 away from completing my savings goal! I'm very happy about this.
Currently what I am doing with my paycheck is putting 50% in savings, 30% into IRA, and 20% as spending money. Once I complete my savings goal I plan on putting 40% into savings, 40% into IRA, and 20% as spending money. I'll keep doing this until I move out and real bills start coming in.
I'm going to save my spending money for a larger purchase. I'm not sure what yet (Coach bag? Nice piece of jewelry?), but I want to buy a special item for when I complete my goal(s).
1. Call the bank and order more checks
2. Transfer $571 into my brother's savings (that is his SS benefit payment; the check was made out to my dad)
And I was even at the bank today... in fact I just got home from it. I made myself go to do the above but on the way I forgot and all I did was deposit the check I got from mysurvey.com. Argh.
I am going to call them right now. I hope nothing distracts me while I walk the 20 feet to the phone (and knowing me, something very well might).
What do you do next?
I have decided, with regards to the money I will be getting for referring my friend, I will spend no more than $60 and save the rest.
But my question is, when you guys meet your savings goal, what is your next step? Do you take a small break from saving and buy yourself something (nothing outrageous, just a small treat)? Do set a new savings goal and work on that or do you set a different goal (maybe a CD, stock, etc)?
I'm thinking that once I meet my savings goal I will concentrate on my IRA until I meet that goal. And once both are complete, I'm not sure what to do. I could just continue saving, but I would like to "diversify". I was considering getting into the stock market. I would save another $1,500-2,500 and then buy some stocks (not sure which ones, still researching). Does this make sense?
For the most part I want my money to be safe. But I am willing to take a risk with a small amount (under $3,000), which is why I was considering the stock market.