Sunday, November 20, 2011

December Financial Goals




Expenses I expect this month:
-Christmas is just about paid for
- $300 eye doctor and new glasses
- new budget of $2000 to fix up this house
-$25 amys birthday
POST Wedding plans this month:
-pick up dress when ready

For my accounts according to mint.com:
Red is last month Orange is this month
(We are skipping this this month bc last month was so crazy, so here's just updated totals)


  • PERSONAL


  • Charles Schwab (high yeild checking):  $2053.70 $2570.12 down $16.42


  • Charles Schwab savings: $1051.97 $971.19 down $80.78


  • PNC $5184.59 $2454.87 down $2729.72


  • PNC $10.02


  • PNC   $11685.67 $15218.81 (i need at add $800 this month)

  • Capital One emergency:$10358.53  $10565.78 up $207.25

  • Capital One Savings: $1085.33 $2570.12 up $1484.79

  • INVESTMENTS


  • Charles Schwab Roth IRA (5/09 opened): $11738.72 $11941.18 up$202.46


  • LHS retirement account: $5945.91 $6222.79 up $276.88


  • OPERS retirement account(account now closed, opened Traditional IRA 5/10): $10124.27 $10124.36 up $.09


  • Zak's Etrade savings account:  $3027.84 $3055.33 up $27.49


  • Zak's CollegeAdvantage fund: $1502.93 $1494.31 down $8.62


  • MISC

  • Speedy points: 147063 147448 up 385


  • Swagbucks!:  1861 2012 up 151

Total gained: $1692.04

December Goals in Life



FOR NOVEMBER

Health

- 2 days a week do bootcamp at the Y, EA sports or run other days - Been better, still not to my 3 days a week, but maybe 2

Personal/Fun
- Zak library days once every couple weeks--He finished Banicula. We are getting work from his teacher for him to do


-Craft time- I saw on pinterest things to do with your kids, we may do some!

- Meme's house once a week for dinners- Busy with the holidays!
- start a book--Been so busy!!
Vanishing Acts
The Next thing on my List
The Last Kiss
The Choice
The Holocaust Diaries
My horizontal life Been too busy again this month!! (and yet again)
- date nights/family nights 1 day a week--Sat/Sun--We had a date night to Kalahari, last thing for us for a while, but definitely needed!!
Make Money
- inbox dollars: $26.38 (with 70 unread!)
- coupons: used some but didn't keep track
- expo tv: Current balance: 15389(Goal: 60000) (2020 pending) -did better this month, with our new internet it loads way faster!
- beeZag: Current balance: 1330 (goal 8000)
-Down the road, like 2-3 years, one of our goals is to own a couple properties out in Put in Bay.



Debt
- ipads and macbook- will pay off by next year. 12 mo no interest. -$215 I pay every month with Adams help---PAID!!!
- Pay off credit card every 2 weeks--Doing well here too.

House
- Clean out closets (Jan,March,June,Sept)--Cleaned it out 10/11
- Randi clean once a month-- We used her one time prior to the honeymoon, and won't use her now for a while.
- We need to sell our house.
- Fix little things, paint touch ups etc - Don't want to fix anything, just want it GONE! But now that thats been the plan for too long, we are going to
New gate hinges
Shrubs
New front door
New carpet
Sprayer for house
Paint for outside
Take down Xmas lights
Take down awning
Finance
2011 budget
Revised 11/1

all year savings
- $400/mo house downpayment
- Zaks $25/mo in savings and budget for camp ($115/week for 10 weeks i believe) (from charles schwab acct)
- House funds and Emergency fund $100 in each/mo (from Charles Schwab acct)
- Roth $416/mo (from Charles Schwab acct)---cutting back to $200
= $13,692 + $1,150 for camp = $1020/mo then bills. ($756 transferred to Charles Schwab account from PNC acct)



then: $50/wk $200/mo groceries
         $75/mo gas
         $80/mo electric
         $800/mo mortgage
         $350/mo in car gas
         $20/mo life insurance
         $40/mo entertainment (people over, going out etc)
         $30/mo pharmacy 
         $20/mo fast food (including coffee)
         $110/mo gifts
         any auto repairs i'll pull from savings
         $160/mo cell phone
         $89.94 home internet & tv
         $35/mo home security
         $600/6 mo = $100/mo insurance
         $200/mo shopping (including clothing, toys, house stuff)
         $70/mo ymca
        =$2379.94

=$3399.94 total (includes adams car gas, home security we split, we split gifts, insurance, and phone, he pays me)


Career
- Clinical ladder--Trying to do some things for this year's one
- Work Tues, Wed, Thurs--This has been hard, doing more 3 in a rows this schedule---starting a bonus program so I will be working even more
- hopefully get a Nurse Facilitator Job!--extra and overtime, long days! Starting to do 4 12s a week so we have extra $$
- NCC updates- try to find some cheap CEUs---myfreece.com

Meals
Jackie and I are going to make freezer meals this month :-)


Wedding
ITS DONE!! 


Master List of December things to accomplish
    • Gotta get to the gym 3 times a week.
    • Dinner with Meme
    • Buy stuff for crafts with Zak 
    • Keep Zak doing his homework well, PSR, and soccer and basketball
    • work on clinical ladder and scrub class
    • expo tv every monday/friday--doing better
    • Call charles schwab on my IRA--hold until after the new year now
    • Change name on cc and bank accounts
    • -We are putting more money into this house to sell it. Our list is:
      New gate hinges
      Shrubs
      New front door
      New carpet
      Sprayer for house
      Paint for outside
      Take down Xmas lights
      Take down awning 
    • Pay CC 12/1  12/15 transfer $$ (savings to outside accts, house downpayment $200) then 12/29 (savings, house downpayment $200 and bills)

Wednesday, November 2, 2011

November Goals in Life


FOR NOVEMBER

Health

- 2 days a week do bootcamp at the Y, EA sports or run other days - With the miscarriage last month, I have been taking it easy (too easy), dealing with some depression and physical strain, I need to get out of my rut.
Personal/Fun
- Zak library days once every couple weeks--He gets books from the library right now at school, and with how busy we are, its unrealistic to try and go to the library.

- Meme's house once a week for dinners--She is now going to be struggling with Cancer again. We will be doing dinners
- start a book--Been so busy!!
Vanishing Acts
The Next thing on my List
The Last Kiss
The Choice
The Holocaust Diaries
My horizontal life Been too busy again this month!! (and yet again)
- date nights/family nights 1 day a week--Sat/Sun--Adam claims hes planning a date night lol well see
Make Money
- inbox dollars: $26.38 (with 20 unread!)
- coupons: used some but didn't keep track
- expo tv: Current balance: 15389(Goal: 60000) (2020 pending) -did better this month, with our new internet it loads way faster!
- beeZag: Current balance: 1330 (goal 8000)
-Down the road, like 2-3 years, one of our goals is to own a couple properties out in Put in Bay.

Debt
- ipads and macbook- will pay off by next year. 12 mo no interest. -$215 I pay every month with Adams help
- Pay off credit card every 2 weeks--Doing well here too.

House
- Clean out closets (Jan,March,June,Sept)--Cleaned it out 10/11
- Randi clean once a month-- We used her one time prior to the honeymoon, and won't use her now for a while.
- We need to sell our house.- Just being patient...had one showing, didn't want it...Our realtor wants us to go looking again this month
- Fix little things, paint touch ups etc - Don't want to fix anything, just want it GONE!

Finance
2011 budget
Revised 11/1

all year savings
- $400/mo house downpayment
- Zaks $25/mo in savings and budget for camp ($115/week for 10 weeks i believe) (from charles schwab acct)
- House funds and Emergency fund $100 in each/mo (from Charles Schwab acct)
- Roth $416/mo (from Charles Schwab acct)
= $13,692 + $1,150 for camp = $1236/mo then bills. ($756 transferred to Charles Schwab account from PNC acct)



then: $50/wk $200/mo groceries
         $75/mo gas
         $80/mo electric
         $800/mo mortgage
         $350/mo in car gas
         $20/mo life insurance
         $40/mo entertainment (people over, going out etc)
         $30/mo pharmacy 
         $20/mo fast food (including coffee)
         $110/mo gifts
         any auto repairs i'll pull from savings
         $160/mo cell phone and
         $89.94 home internet & tv
         $35/mo home security
         $600/6 mo = $100/mo insurance
         $200/mo shopping (including clothing, toys, house stuff)
         $70/mo ymca
        =$1724

=$2960 total (includes adams gas and phone, he pays me)


Career
- Clinical ladder--Trying to do some things for this year's one
- Work Tues, Wed, Thurs--This has been hard, doing more 3 in a rows this schedule
- hopefully get a Nurse Facilitator Job!--extra and overtime, long days!
- NCC updates- try to find some cheap CEUs---myfreece.com
-Pick a day to teach CPR for hospital
-Pick a day to start teaching scrub classes

Meals
Tumblr. I need to update more. I did make a monthly meal calendar this month.


Wedding
ITS DONE!! But lets look at post wedding to dos:
Mail thank you cards
pick out pics for the wall


Master List of November things to accomplish
    • Gotta get to the gym 3 times a week.
    • Dinner with Meme
    • pick out pics for our wall
    • mail thank you cards
    • Keep Zak doing his homework well, PSR, and soccer and basketball
    • work on clinical ladder and CEUs, scrub class, and cpr class
    • expo tv every monday/friday--doing better
    • Call charles schwab on my IRA--hold until after the new year now
    • Change name on cc and bank accounts
    • Pay CC 11/3 add up adams chuck purchases and 11/17 add up adams chuck purchases , transfer $$ 11/3 (savings to outside accts, house downpayment $200) then 11/17(savings, house downpayment $200 and bills)

November Financial Goals



Expenses I expect this month:
-Black Friday - $500 (hopefully all xmas shopping is that!)
- Dad's Birthday -$50


Wedding plans this month:
SO happy this is over, new column
POST Wedding plans this month:
-More thank you cards!-- mail them out!
-pick out a couple pics for the wall--we picked one so far lol
-pick up dress when ready
-change my name - couple more places to do it


For my accounts according to mint.com:
Red is this month Orange is last month
(We are skipping this this month bc last month was so crazy, so here's just updated totals)



  • PERSONAL


  • Charles Schwab (high yeild checking): $2068.33 $2053.70 down $14.63


  • Charles Schwab savings: $1051.97 $1051.97 same


  • PNC $1751.65 $5184.59 up $3432.94


  • PNC $10.02


  • PNC $2723.93 $14409.60 (with wedding deposit and saving $400/mo) $11685.67 (im not counting this in the total saved this month)

  • Capital One emergency: $10148.56 $10358.53 up $209.97


  • Capital One Savings: $1084.55 $1085.33 up $.78


  • Smartypig (our wedding fund): $13008,75 $14558.75 closed and moved $16041 to adam's savings for save keeping, we made it :)


  • INVESTMENTS


  • Charles Schwab Roth IRA (5/09 opened): $11345.56 $11738.72 up $393.16


  • LHS retirement account: $5072.61 $5945.91 up $873.30


  • OPERS retirement account(account now closed, opened Traditional IRA 5/10): $10124.19 $10124.27 up $.08


  • Zak's Etrade savings account: $3000.29 $3027.84 up $27.84


  • Zak's CollegeAdvantage fund: $1353.20 $1502.93 up $149.73


  • MISC

  • Speedy points: 146809 147063 up 254


  • Swagbucks!: 1702 1861 up 159

Total gained: $3643.69