Friday, January 2, 2009

Account Updates for January

Well, I deleted my first post of all my accounts. I moved my money around so much that I needed to just "start over".

For my accounts according to

  • Etrade (high yeild savings account): $15,484

  • Etrade (house fund): $39
  • Etrade (emergency fund): $261
  • Chase (low yeild checking): $2,556

  • Charles Schwab (high yeild checking): $415

  • Charles Schwab savings: $1,154

  • LHS retirement account: $2,263

  • OPERS retirement account: $3,016

  • Zak's Etrade savings account:$1,279
  • Zak's CollegeAdvantage fund: $656 (plus some that I put into my life insurance)
  • Coupon savings this month: $61.12
  • Speedy points: 125920
  • Anne Geddes points: 11,532
  • Cash back points: (I need to sign up, i will edit this later)
  • Shop at points: $46.41
My 2009 Financial Goals (and end of 2008)
By the end of December:

  1. Close ING account, or make it a house fund (check for high rates)--11/26/08 transferred money will close account 12/2/08---12/7/08 done.
  2. Close BOA --11/26/08 transferred money will close account 12/2/08---12/7/08 done.
  3. Ipod Touch (well i guess thats a debt)--Done on black friday---12/7/08 done.
  4. move more to savings---12/7/08 done. Moving all lake east paychecks to savings.
  5. start budget. save every reciept and document daily. (maybe ill type up my budget list on here)--starting 12/1/08---12/7/08 half done, you will see it Dec 31 :) DONE!!
  6. Start planning menus again--started 11/25/08---12/7/08 done.
  7. Post grocery lists and deal from supermarkets.---12/7/08 done kinda, we dont need much.

My big list of 2009 financial goals

  1. Make menus, keep grocery bill under $40/wk

  2. Get emergency fund established 6 mo of income when there put into CD --as of 11/26/08 opened 2 savings accounts: house fund and emergency fund. Looks like has higher rates for the savings accounts than any CD does. Will see what 6mo of income is and go from there 12/7/08

  3. Biweekly mortgage payments--will start 12/15/08 (and I did :)

  4. Pick 2 days out of month to pay bills--will start 12/15/08 (did that too :)

  5. Make little paper of all bills, cross off when paid--Did it.

  6. $100/mo into house fund into high interest savings ---ok thought about this, and im going to try to add $200/month bc i will need it.
  7. All savings from coupons put into house fund and savings ---or fun fund? lol
  8. Save all house receipts to claim

  9. Garage Sale

  10. CD Ladder (higher than 3.29%) Well see how this goes...I will start tomorrow after work...---scratch that the economy sucks.

So, Sometime today I am going to transfer money around. I will put $200 into the house fund, more into the checking account for this months bills, $500 into emergency fund, $61.70 (Coupon savings) into my pocket? lol well kinda, i'll keep the tab going and withdrawl the money when we take a trip to st. louis in Feb, and the rest into savings.

Sounds good? Any ideas?

1 comment:

Jackie said...

you should put your coupon savings into a vacation fund or house repair or whatever fund?