Archive for January, 2009

Jan Spending Month To Date

Here’s where I stand so far for the month.

Fuel – $114.06

Entertainment – $28.19

Auto Loan – $286.72 – I usually pay more.

Student Loans – $272.28

Utilities/Water – $292.31

Dining Out – $65.87 – This should not be so high, but I went out with co-workers one night and friends another night.

Credit Card Payments – $240.55 – Even though I spent way too much on dining out, I still managed to put a lot towards credit.

Dogs – $150.63

No Spend Days – 4

No Drive Days – 2

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USA

Happy Inauguration Day everyone!!

This could be the start of a great new chapter in the history of the United States of America.  Are you as excited as I am?

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Working on Goals

So far some of my goals have been easy to start and stay on track with. Some not so easy. My caffeine addiction is kicking my butt. I haven’t been able to limit myself to one can a day yet.  I’ve been out once with my friends’ so far.  I have been good about bringing my lunch to work every day. 12 days down, only 248 days to go. I’ve had only 1 No Drive Day and 4 No Spend Days. I’ve still been keeping track of my spending, but over New Year’s week I didn’t write everything down. So I’ll have to fudge that week a little. Now that I have a full month’s worth of spending tracked, I need to build a budget and really work on sticking to it.

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2009 Goals

I’ve decided on some new goals for the new year. This is just a tentative list and I’m hoping to add to it later.

Bring my lunch to work everyday.

Cut down to one can of soda per day.

Pay all bills on time, if not early.

Eat out no more than once every 2 months (6 times per year max).

Avoid consuming alcohol, especially socially.

Limit going to the movie theater to no more than once every 3 months (4 times per year max).

Only rent movies from the redbox on Mondays (free codes day).

Drink more water (at least 8 – 8oz glasses per day).

Try to reduce the amount of sodium I consume.

Exercise for at least 30 minutes per day.

Eat more fruit and yogurt.

Unplug all appliances and electronics when not in use.

Max out my HSA.

Keep track of all doctor visits and the mileage for 2009 taxes.

Keep thermostat set at 65 degrees F during the winter and 75 degrees F in the summer.

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New Year

I hope everyone is having a great new year. I made it through the holidays and my birthday without any major happenings. Now I’m getting ready for Tax Season. We haven’t had anymore layoffs at my company so far. Thank goodness for that. Still, I’ve been working harder on my performance goals and making sure I don’t call into work or miss any days.  Now that tax time is coming and 2008 has ended, business will pick up. I’ve had a couple of hours of overtime this week, which is always good. I did make a mistake on my allowances on my 2008 paychecks. I had too many and now I might end up owing money. I really hope not. To avoid this, I put myself in a bit of a difficult situation. I had extra money held out of my check for 401k  and HSA contributions. Also, I had them withold an additional $200 go send for federal tax. Hopefully, this will keep me from having to pay anything. It’s been a pretty tight couple of weeks and I won’t receive a regular paycheck until the 23rd. Oh well, maybe then I won’t be tempted to go out anywhere.

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