Thursday, February 25, 2010

Focus Friday

Focus Friday

Well meals are going to look about the same because we went out to eat a whole lot last week!!

Meal plans for the week
Breakfasts
  • Oatmeal
  • Waffles
  • Pancakes
  • Cereal
Lunches
  • turkey sandwiches
  • egg salad sandwiches
  • tuna sandwiches
  • soup
Dinners

  • Spaghetti with spinach and cheese sauce
  • Sweet and sour chicken (marinade and then grill) with pasta

Snacks
  • fresh fruit
  • yogurt with ganola
  • granola bars
  • pretzels
  • sugar free jello with sugar free coolwhip
  • raisins
  • mini ricecakes
  • veggies with hummus

Friday - workout, finally a day off, clean, organize playroom and kitchen utensil drawer, visit my grandma

Saturday- workout in AM, grocery shop, have Bryan, Kevin, and Dave over for dinner, and just hangout with Zak and Adam

Sunday- Sunday school 9:30am, Kelly's shower 12:30pm, Tripoint 7pm

Monday- workout, Zak daycare, go to library with zak and get new books, visit adam at work, do March financial goals

Tuesday- Tripoint 5pm, Eastlake library 7pm dr suess maybe

Wednesday- workout, Metro 7pm, Storytime 1pm willowick

Thursday- Zak daycare, Metro 7pm

Get through this week and then KALAHARI!!!







Tuesday, February 23, 2010

March Financial Goals

Last month:
  • Cut back on grocery bill, clip coupons--Trying to do $100/mo this month
  • Start contributing $275/mo for 11 months to windows bill (started 7/09)--PAID!!
  • split $1000 between house fund $265, emergency fund $265, Roth IRA that I will be opening 1/10 $416, $20 Zak
  • I have my emergency fund established and that's the rest of my savings. I would contribute my $265 from emergency and $265 of house plus rest of money into it every month. I have to look into it more though. Now as i look i'm thinking Capital One's Intrest plus saving account. Well I used that account and if you maintain a $15000 every month then you get a 10% increase in interest at the end of the quarter. I will be able to do that. I moved my money today and then moved my emergency fund which I dont get the 10% on but still a way better interest rate. I also will be moving Zak's savings and house savings when they get bigger ($2500 at least)---started 2/10
  • I'm looking into Smartypig. Though, they have a 2.01% apr, pnc has a virtual wallet account. If you are interested look into the two, they are kinda cool.PNC has a cool iphone app with theres which is drawing me closer to it. I want to see if they have an incentive to open an account. Adam said when they switch over in April they should.
  • I also would like to cut back on the home supplies/improvement this month. Spent a lot on the kitchen last month.---Not too bad with this
  • Make appointment with Tax lady---just waiting on the taxes now

This Month:

  • Cut back on grocery bill, clip coupons--Trying to do $100/mo this month
  • split $1000 between house fund $265, emergency fund $265, Roth IRA that I will be opening 1/10 $416, $20 Zak
  • I have my emergency fund established and that's the rest of my savings. I would contribute my $265 from emergency and $265 of house plus rest of money into it every month. I have to look into it more though. Now as i look i'm thinking Capital One's Intrest plus saving account. Well I used that account and if you maintain a $15000 every month then you get a 10% increase in interest at the end of the quarter. I will be able to do that. I moved my money today and then moved my emergency fund which I dont get the 10% on but still a way better interest rate. I also will be moving Zak's savings and house savings when they get bigger ($2500 at least)---started 2/10
  • Finish offers for the $500 visa giftcard--offers completed, waiting on verifications
NEW COLUMN:
Expenses I expect this month:
  • Taxes ($65)
  • Kalahari ($300 plus food...say $450 total)
  • boarder for Zak's room ($30)
  • extra gas mileage due to kalahari and RNC training at Metro (i'm going to use speedy points)
  • out with uncle dan and gina ($30)
  • total expected expenses: $575

Ok Red is this month and Purple is last months:
For my accounts according to mint.com:

  • PERSONAL
  • Etrade (high yeild savings account): $1494.76 1,475.52 down $19.24
  • Etrade (house fund): $265.26 $265.36 up $.10
  • Etrade (emergency fund): $1.66 same
  • Chase (low yeild checking): $3267.78 $3,972.55 up $704.77
  • Charles Schwab (high yeild checking): $2252.82 $1831.59 down 421.23
  • Charles Schwab savings: $1658.15 1,281.97 down $376.18
  • First Merit checking: $2028.77 1,022.48 down $1006.29
  • Capital One emergency: $15,000 $15,015.39 up 15.39
  • Capital One Savings: $3939.80 $3,933.83 up 5.97

  • INVESTMENTS
  • Charles Schwab Roth IRA (5/09 opened): $5666.60 6,101.59 up $434.99
  • LHS retirement account: $3056.55 3,740.13 down $683.58
  • OPERS retirement account: $8089.66 $8,454.47 up $364.81
  • Zak's Etrade savings account: $1,494.11 1,535.34 up $41.23
  • Zak's CollegeAdvantage fund: $1097.90 1,126.59 up $28.69
  • MISC
  • Coupon savings this month: $39.83
  • Speedy points: 147876 148282 up 406
  • Swagbucks! New: 680 (all swagbucks are now 10)
  • Shop at home.com points: $13.62 same

Totals: up $21.46 actual money for February. That's the lowest ever...and I dunno why. Sad though.

Saturday, February 20, 2010

Focus Friday

Focus Friday

Well meals are going to look about the same because we went out to eat a whole lot last week!!

Meal plans for the week
Breakfasts
  • Oatmeal
  • Waffles
  • Pancakes
  • Cereal
Lunches
  • turkey sandwiches
  • egg salad sandwiches
  • tuna sandwiches
  • soup
Dinners
  • Adam's Omelets

Snacks
  • fresh fruit
  • yogurt with ganola
  • granola bars
  • pretzels
  • sugar free jello with sugar free coolwhip
  • raisins
  • mini ricecakes

Friday - all done

Saturday- were going to visit my grandma soon in the hospital

Sunday- workout, Sunday school 9:30a, grocery shop, metro 11pm

Monday- Zak daycare, pick up zucchini, target for cat litter and vitamins, library, and post office, metro 7p

Tuesday- zak daycare, workout, on call 7p, work 11p metro

Wednesday- Zak daycare, tripoint 7p

Thursday- Zak daycare, Metro 7pm on call, work 11pm, maybe dinner with my sisters

Well, lots of work. I really need to get my workouts in this week. I feel fat and lazy...





Friday, February 12, 2010

Focus Friday

It is going to be another hectic work week, we'll get through it though, we ALWAYS do!

Meal plans for the week
Breakfasts
  • Oatmeal
  • Waffles
  • Pancakes
  • Cereal
Lunches
  • turkey sandwiches
  • egg salad sandwiches
  • tuna sandwiches
  • soup
Dinners
  • Adam's Omelets

Snacks
  • fresh fruit
  • yogurt with ganola
  • granola bars
  • pretzels
  • sugar free jello with sugar free coolwhip
  • raisins
  • mini ricecakes

Friday - Hockey, basketball, workout, stop at biglots for zak and adams valentines day gifts, heather's party

Saturday- on call 7am lake, stop at post office, tripoint sibiling class til noon, tax lady at 3,

Sunday- metro 7p, laundry

Monday- Zak daycare, RNC with annette after work, copy cpr card, workout

Tuesday- Pat Hardy's dinner 6pm, payday metro

Wednesday- Meme's surgery, maybe playground world at 10am

Thursday- Metro 7pm





Saturday, February 6, 2010

Focus Friday

Focus Friday

It is going to be another hectic work week, we'll get through it though, we ALWAYS do!

Meal plans for the week
Breakfasts
  • Oatmeal
  • Waffles
  • Pancakes
  • Cereal
Lunches
  • turkey sandwiches
  • egg salad sandwiches
  • tuna sandwiches
  • soup
Dinners
Snacks
  • fresh fruit
  • yogurt
  • granola bars
  • pretzels
  • raisins
  • mini ricecakes


Friday - Done already lol

Saturday- cleaning, dropping my son off at my grandmas, going to my friend Franks with adam for fun

Sunday- sunday school 9:30, grocery shop, Meme's for chili(we messed up the week last week), work at 7

Monday- Work East 7p, Zak daycare

Tuesday- Work Metro 7p, Zak daycare

Wednesday- Zak daycare, workout, maybe a place called playground world

Thursday- Lakewest 7am-3:00pm, Zak daycare, Cardiojam 6:30pm

Another busy work week, hope I can get some other things done....