I swear it was just yesterday since the last time I posted. But no, it’s been so much longer than that! I think the older we get the quicker time seems to pass us by. Then we look back & wonder where it all went. I’ve always thought I’d have more time – for friends, family, love, education, travel, all the experiences that make life worth living. My greatest fear is that when I leave this world, I will leave no significant mark on it. What have I accomplished? Has my being here on this earth made a difference in anyone’s life? Over the last few years, I’ve been volunteering my time on & off to non-profit charities. But has it really made a difference? Have my few contributions changed the world? I don’t think so.
I’ve become so withdrawn in the year and half. Hardly anything holds my interest for long. I used to love to read and scrapbook. And although I do still read, it’s not nearly as much as I used to.
So I’ve decided to make some changes…
This year I applied & was accepted into a Business Administration program at a community college. I’m only 8 courses away from completing an Associates degree. Then I plan to transfer to a university to finish a Bachelor’s degree in Finance & a possible minor in Accounting.
I can’t just sit & wait around any longer. If I want to change my life & help change the lives of others, I need to act now. I’m not getting any younger (not that I’m all that old), but if I don’t force myself to change now, I may never.
On a final note. If there’s anyone who still checks in on this blog. I’m so sorry for not keep up with it. So many things happened in 2009 and I expect 2010 to just has busy. But I will try harder to keep journaling. It may prove to be the best therapy out there & it’s free!
Have a happy rest of your new year.
My site was brought down temporarily for a few links that were displayed. I guess the WordPress Gods don’t like certain types of content. I have rectified the situation and removed the content. Hopefully, everything will be fine now. I’ve also updated my side bar with new “My Savings” and “My Debt” information. My Emergency fund had a set-back sometime ago and I’ve just now managed to get it back over my original $1,000 goal. I’ve also started a Car Insurance/Maintenance fund so I can pay my car insurance all at once, which should give me a small discount, rather than paying it monthly. I also plan to first use my cash back credit card to pay for the insurance, and then pay the card off right away so I can get the rewards.
My debt climbed up higher than it was. Mostly due to the fact that my dogs all needed their updated shots and Heartguard and flea/tick medicine. That stuff is very expensive. I think from now on I will get the medicines over the internet through 1-800-PetMeds or another site like it.
It’s been raining here the last few days. I like rain, but can only stand so much of it. Hopefully this weekend will end up drying out. No big plans for now. Father’s Day is on Sunday. I haven’t gotten my dad anything yet. I’m a bad planner when it comes to Father’s Day. My dad always says he doesn’t want or need anything. But no worries, I will come up with something. I hope all of you have a great weekend. If you’re a dad, Happy Father’s Day in advance!!
My holiday weekend started, for the most part, last Thursday. My mother had surgery so I was out of the office all day. It was just a routine surgery and she should recover just fine, but was in a lot of pain. She had an overnight stay and got out on Friday afternoon. Everyone else had to work on Friday, and knowing that my office has been slow and unpaid time off has been very regular, I went to work for one hour on Friday morning and ended up with the rest of the day off. So I was the one who waited in the hospital for the dr. to release mom.
Saturday I was supposed to go to a wedding 3 hours from home, but because mom was in so much pain, I decided to forgo the wedding and spend the day at home. I did go to visit my cousins’ house on Sunday and go out to lunch with them. My cousin’s daughter is ADORABLE!!! I love her. They’re expecting another baby in August. My other cousin works for in the same financial field that I do, so she works for my competitor. She says she is always busy at work and they are offering overtime. This makes me wonder if maybe I should change companies? I’m not fully vested in my 401k or my pension yet, so I don’t really want to leave. But if I can work for a competitor and be busy and get paid overtime, that would be very beneficial. However, if I were to leave for this other company, I would have to move 2 hours from my parents and would have to start paying rent somewhere. This seems counterproductive to me. Why move to make more money, when I’d just be shelling out said money for rent? Doesn’t make much sense in the long run, but I do eventually want to move to “The Big City” again and have more opportunities.
Monday, I ran a few errands with my mom and then did practically nothing. Lazy I know, but if felt good.
Sorry I haven’t posted regularly. I used to post from work because it was convinent, but I don’t anymore. I don’t want to get in trouble for blooging while I’m supposed to be working. Also I’ve been worried about my job in general, but it appears that the department I work in is safe from layoffs. Good thing.
My family and I had a graduation party to attend to last Sunday. This weekend I have a wedding to attend that is out of town. I will be staying with some relatives so I don’t have to pay for a hotel, but the gas to drive there is going to be ridiculous! Thank goodness Monday is a paid holiday. That will be my one day of rest this weekend.
Happy May Day and TGIF!!
I’m not feeling so well today. I went to the doctor and I don’t have H1N1 or Strep, so I’m happy about that. But being sick is never fun. I will actually be leaving work early tonight to nurse myself back to good health. Rest, relaxation, and plenty of fluids are on my to-do list.
I hope everyone has a great weekend. It’s supposed to be really beautiful weather where I’m at so hopefully I’ll be feeling better so I can enjoy it.
- Debt – $40.57
- ATM Fees – $7.00
- Grocery – $20.00
- Fuel – $106.40
- Utilities – $236.31
- Entertainment – $11.89
- Auto Loan – $303.00
- Student Loans – $292.28
- Dog items -$511.83
- Phone – $337.14
- Dining Out – $152.06
Total – $20.18.48
No Spending Days = 3
The dogs’ category is so high because the dogs had a vet visit that was $295.00. Also I bought a poop-scooper and a set of stairs so my little dog could get up to the bed easier. I went over board this month with going out to eat. I went one night with some co-workers to a new restaurant and a highschool friend of mine had a birthday celebration. The phone category is twice as much as it normally is because it was time renew my contract. I got a new phone and will be receiving a $70.00 rebate, so it will offset a little of the cost. Currently, my main checking account is through USAA and they refund ATM fees up to $15.00 per month, so I will get my $7.00 back.
I don’t really follow Suze Orman, but I think her new advice is good advice. Now is definitely the time to start saving as much as you can, and only make the minimum payments on debt. With all the layoffs and companys that have closed, it’s scary not to have a well funded Emergency Fund. I only make the basic payments on my debt now. The rest goes to savings. I also just consolidated my student loans again. I had consolidated my original student loans when I was in college the first time. I hadn’t done anything with the new loans I had when I started school the second time. Through the consolidation, I will save an extra $40 a month. My payment is changing from $187.28 to $141.61. This is a very good thing for me.