New job, new goals

BRAINSTORM

So, i'm sitting here brainstorming and have come up with some goals/ideas for myself. Now that I have one job, it's time to focus on things, other than WORK!


Health
So with this new job, I also need to think about me. I want to feel better. I will be getting more sleep, but I want to take vitamins everyday, calcium everyday, and drink more water.

run vs strength calendar--I created a calendar for this month that rotates running with strength training. I need to do strength training because I hope it helps with my back soreness i've had recently.


run with jackie and adam--last month I got to run with my sister, Jackie. I would like to do it again. We had a good time. It's just hard with Zak. Same thing with Adam, I want to get him running too. We want to run together, its just hard with the little one.


Personal/fun
So with this new job, I may have a LIFE! So things I want are

 playdates--I have a couple friends with kids. Kylee, Heather, Alison, to name a few. I would like to get our kids together, for Zak. He loves to play and I love to catch up with my friends.


game nights--We hosted the last game night at our house with our friends. I am waiting for someone to invite us for one. So far, i'm suppose to hear from my friend Dave at the end of the week. If not, I always have my friends Frank and Pam.


girls nights--For May, my friend Jordan and I want to get together for her birthday and my friend Sharon who is going to be moving. She is suppose to get back to me with their schedules. I can't wait.


date night--Adam and I never have alone time together. This past Friday we actually watched a movie together. It was so nice. I want to do it again. Date nights don't have to be us going out, finding a sitter, etc. We would like that, but we never know what to do besides spend money eating, which we can't afford to do right now.


dvd movies--I need to put my home movies to DVD. Also, Kelly's wedding onto her own DVD.


reading again--I would like to get into reading again. I found a website for a bookclub that I'll post once I get more ready to do it.


houseparty--I won a McDonald's house party on houseparty.com. I was so excited. In June, we're going to celebrate with the family.



make $$ (for wedding fund)


craigslist--Jackie helped me clean out my garage and I am slowly selling the items. That money will be split and then I will put it towards the wedding too.


ebay--ditto


cans--I established with the city of Eastlake to put recycable cans at the baseball fields. We're going to recycle the cans and hopefully it will give us a few extra bucks.


credit card--my credit card give me 2% cash back. That cash will go to the wedding fund as well. Also, with every purchase I make I round up the dollar and throw that into the money jar.


expotv--This is just a fun little website that doesn't earn anything towards $$, but little gifts that are a good thing to have, and the points are easy to get.


inbox dollars--I like this because the revenue is pretty high. I have $11 now and i can cash in at $25. I take surveys, search things and read emails.


hits4pay-- this is another read email site. It's really easy to get the $$, but it seems like its going to take forever to get to $25



Debt
I'm so proud of adam. Since he has moved in, he has paid off almost all his debt. By the end of June, its likely to be ALL gone!!!


adam's on his own here

House


I have put a lot of money into the house the last 6 months, but man was it worth it! It has brought the house such a nice look! Adam has worked his butt off painting and stuff. I think were an awesome team. But, there's always more to do:

• scrub umbrella table
• scrub grill cover
• scrub garbage cans
  
• lay mulch
  
• fix overhang(adam)
  
• change lightbulbs (adam)
  
• garden (check westside market for deals)

Finance


What i'm trying to do is combine all my $$ into 2 accounts. One has over $15,000 the other only $2000, but I am making the second one grow to make $15,000 because then I get a 10% increase in interest at the end of the quarter


close discover accts--I called the guy tonight and he is watching them because I have pending interest. When the interest goes through he is going to call me and I will be closing them


budget 1st pay--I need to wait until I get my benefits in here and 72hrs per pay. Hopefully it's going to be a nice increase in pay.


$1000 to charles schwab--I need to keep a good amount in this acct to fund my roth. This month I didn't fund it due to the job switch and yard expenses.


open pnc acct--I will be going to visit adam at the bank to open this account for my checking. It's a nice account and it has a $150 bonus also. And an iphone app thats pretty good.


close life insurance--I have a term policy and that's all I need, I have been paying on this whole life, which was stupid of me.



Career


study calendar--I need to study for my exam. I am finding out this week about reimbursement for it. I want to register for it in 2 weeks, that's my goal.


register for ACLS--After this RNC is over with I would like to register for this


NRP--Mine expires 10/10, so I need to renew this as well this year


CEUs--I have a site that i'm going to start doing my CEUs through after my RNC, I also have my CBLs to do here through lake.



Save


Wedding--Smartypig has us covered. We have $500 right now.


big savings, now 2 accounts building up one to $15000--discussed this earlier and will come back to it at the end of may


Zak's savings--He needs his savings and his college


retirement--I rolled over my PERS, so I now have a tradiational IRA and a Roth, and a 401k that i'm currently not contributing to.


checking--I will be going through PNC for my main checking. Keeping $25 in first merit, $25 in chase, and $1000 in schwab.



Meals
A smart thing I did recently is start buying coupons from this site. It saved me a lot of $$ last week!

Freezer cooking--I want to do this freezer cooking. I am going to look through some healthy recipes


healthier snacks--I enjoyed the westside market this weekend. Got some yummy fruits. I also want to go to trader joes for some trail mix and zak likes their ZAK bars.

Cleaning
The other day I spent 4 hours cleaning the house. I like to clean that way, but I dont like it taking up my entire day.  I am going to adopt Colin's Stradegy over at Hip2Save starting next week.


Hope my ideas help you organize your life a little bit more!

Writing Contest

My financial plan for the next 10 years is a question I'm always asking myself. Being 25 years old I look at the last 5 years and see how much better off I am financially. I am a single mom of a 4 year old child and before I got my RN degree we were struggling. When I had a steady income I created a budget for myself. After all the apartment living, I was able to purchase my first home. Again, I rethought the budget. Now, I have a boyfriend. He is paying off his debt while I still maintain our budget. We do well. I am a big coupon clipper and use them wisely. I work night shift to accommodate my son and get a couple extra incentives.

In the future we have decided to pay for our own wedding. I would like to start a wedding fund within the next year for us to fund the wedding. I also contribute $422/mo to my ROTH IRA. My jobs, yes jobs, provide a good retirement, but I like to fund my own retirement. I have an age aggressive option. I also fund my sons college. I don't give him as much to his account because as selfish as it sounds, I want to make sure i'm taken care of. He will be fine when he goes to college because there are loan options. And like me, he will have to pay for his education.

My big expenses with having a child is of course daycare. I pay $400/mo in that alone. I can see why couples choose to be stay at home moms or dads.

My financial goals for myself in 2010 are to fund my Roth to its max again, keep my 2 jobs and thrive at them by obtaining certificates and continuing to teach. I also will be funding my son's kindergarten in full of $2000. For fun, I would like to take a vacation. Not sure where yet, but it's on the list. We also have cut back on our grocery bill. Attempting to pay only $100/month for the 3 of us. I always cook meals which helps that a lot.

The next 10 years, I hope to be married (funding my own wedding), have another child or two (which means finish the basement which is a financial cost), and just enjoy my family without having to worry about money because we will have our budget to follow.

The recession hasn't really affected me because I have started my financial life/journey when I was in my own recession. Struggling to give my son what he needed without child support, working 2 minimum wage jobs, and going to school. I am financially flourishing considering where I came from. Sometimes when I do wonder how were going to afford something, I think back to where I was. If I lost my job, I have another to fall back on. If I lost that, I have about $18,000 in an emergency fund. Luckily, with my career I wouldn't have to worry too long because nursing has a shortage. If inflation became a bigger issue, budgeting would have to change. If a depression happened, we would definitely get rid of luxuries (cell phone, TV etc).

Advice I would give those in their 20s is budget budget budget!! Don't spend more than you make. Be creative with things to do that doesn't cost money. Think about your future, not just the moment in time. Get RID of credit cards. SAVE SAVE SAVE. Become computer savvy. Use websites and blogs to give you new goals and ideas for financial success. Oh and PLAN PLAN PLAN for the future and for now. If you need to finish your degree, go back to school, NOW, not in 10 more years.

progress in new years resolution

• Family

1/10, 3/10, 5/10 then maybe camp Get Zak signed up for classes every session at the y.--Zaks all signed up. We are going to attend next week Hockey

• Work

5/10 Rnc--I emailed my manager to see about this

• Home

1/10 2/10 3/10 Paint rooms--This weekend were removing wallpaper

• Financial
  

1/10 Clear house fund to pay off windows--waiting for my paper bill and going to write a check
12/10 Max out Roth again--started my funding :)

• Self

1/10 3/10 5/10 7/10 9/10 11/10Y classes--Cardiojam next week!
3d wk gym--worked the last 4, hopefully going tomorrow morning
1/10 2/10 3/10 4/10 5/10 6/10 7/10 8/10 9/10 10/10 11/10 12/10Scrapbook zaks pics--Check this out! 2009 Scrapbook
Now I would like to do the last couple years...
...........There's a little update

New Years Goals

New Years Goals

• Family

every month/week recipes
6/10 Camper with Adam and Zak
every 2 weeks do a library day with Zak :)

• Work

5/10 renew Rnc, do more ceu hours
2/10 start faciliator job hopefully 
anytime I would like to sell more online

all year Teach more caring for kids classes

• Home

Just repairs, next year BASEMENT!!!

• Financial

12/10 Save 15000 total
all year save $500/mo wedding, Zaks $25/mo in savings and budget for camp ($115/week for 10 weeks i believe), house funds and emergency fund $100 in each/mo,roth $416/mo= $13,692 + $1,150 for camp = $1236/mo then bills.
then: $50/wk groceries
         $50/mo gas
         $60/mo cleaning lady
         $72/mo electric
         $790/mo mortgage
         $182/mo in car gas
         $20/mo life insurance
         $40/mo entertainment (people over, going out etc)
         $30/mo pharmacy 
         $20/mo fast food (we are no longer buying out coffee)
         $110/mo gifts
         any auto repairs i'll pull from savings
         $180/mo cell phone and home internet
         $100/mo house stuff/decor etc
        =$1654


=$2990 total
More coupon savings!!!

• Self

1/10 3/10 5/10 7/10 9/10 11/10Y classes
3d wk gym and my race this year
2/10 off birth control
2/10 2010 Scrapbook (Ive been so lazy on this)
3/10 clear computer, back it up, and organize!!

January financial goals and 2009 year in review

Goals for December:

• Get Christmas shopping finished and enjoy a nice christmas--it was the best ever
  
• Get Adam all moved in--done!!
• Tomorrow I got a plumber coming for my washer and dryer, hopefully no more "glitches"---whatta mess. its good now though
  
• Start contributing $275/mo for 11 months to windows bill (started 7/09)--I'm going to pay these off this month.
  

• split $1000 between house fund $265, emergency fund $265, Roth IRA that I will be opening 1/10 $416, $20 Zak--Well, I maxed out my Roth!! I will be starting a new one and still contributing the same
  

On to January:

• Move housefund money to pay off windows and then pay for some of washer and dryer
• buy electric fireplace for the sunroom
• buy paint for rooms
• start the kitchen makeover
• plan a day for family/friends to visit
• plan a night for a adam and janine date (we havent had one yet lol)
• re email refinance guy and tax lady

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

• PERSONAL
  
• Etrade (high yeild savings account): $17,525.08 18,786.58 down $1261.50
  
• Etrade (house fund): 3238.02 2,705.44 up $532.58
• Etrade (emergency fund): $3664.80 $3,131.87 up $532.82
• Chase (low yeild checking): $2179.18 $2,324.96 down $145.78
• Charles Schwab (high yeild checking): $395.37 $258.03 down $137.34
• Charles Schwab savings: $557.43 $3,022.43 down $2465
• First Merit checking: $2,113.38 up $2,113.38
  
  
• INVESTMENTS
• Charles Schwab Roth IRA (5/09 opened): $5296.04 $5,257.59 up $38.45
• LHS retirement account: $3729.75 $3,599.09 up $130.66
  
• OPERS retirement account: $7680.68 $7,090.20 up $590.48
  
• Zak's Etrade savings account: $1,494.11 $1,453.49 up $40.62
  
• Zak's CollegeAdvantage fund: $1095.79 $822.60 up $273.19
• MISC
  
• Coupon savings this month: $137.22
  
• Speedy points: 145400 up 681
  
• Swagbucks! New: 50
• Shop at home.com points: $13.62 same

Totals: up $3178.78 actual money for January
Total savings for 2009: $27,801.93 That's impressive for myself :)

December Financial Goals

Goals for November:

• Were gonna shoot for no fastfood again this month, which means coffee too. I bought dunkin donuts and creamer and want to suffer for the month, due to all the shopping.--I actually did really well with this. Only went to denny's once, a diner after black friday once, and one cup of coffee. Total: $11.38 :-)
  

• Start contributing $275/mo for 11 months to windows bill (started 7/09)

• split $1000 between house fund $265, emergency fund $265, Roth IRA that I will be opening 5/08 $450, $20 Zak--Well, I maxed out my Roth!! I Will be putting $200 into Zak's college fund
  

• Have a successful party for my dad!---Done. still waiting on my sisters to pay me!
  

• Try not to spend more than $200 on day after thanksgiving--I got my wonderful washer and dryer....and didn't spend much more

Goals for December:

• Get Christmas shopping finished and enjoy a nice christmas
• Get Adam all moved in
• Tomorrow I got a plumber coming for my washer and dryer, hopefully no more "glitches"
• Start contributing $275/mo for 11 months to windows bill (started 7/09)

• split $1000 between house fund $265, emergency fund $265, Roth IRA that I will be opening 5/08 $450, $20 Zak--Well, I maxed out my Roth!! I Will be putting $200 into Zak's college fund

On to September:

Ok Red is last month and Purple is this months:


For my accounts according to mint.com:

• Etrade (high yeild savings account): 18,786.58 $18,239.28 down $547.30
  



• Etrade (house fund): 2,705.44 $2,971.65 up $266.21



• Etrade (emergency fund): $3,131.87 $3,398.25 up $266.38
• Chase (low yeild checking): $1155.73 $2,324.96 up $1169.23



• Charles Schwab (high yeild checking): $258.03 up $258.03



• Charles Schwab savings: 2,468.70 $3,022.43 up $553.73



• LHS retirement account: $3,445.79 $3,599.09 up $153.30
  



• OPERS retirement account: $6,734.95 $7,090.20 up $355.25
  
  
• Zak's Etrade savings account: $1,452.89 $1,453.49 up $.60(i added it early last month)
  



• Zak's CollegeAdvantage fund: $789.38 $822.60 up $33.22



• Coupon savings this month: $150.64
  



• Speedy points: 145400 up 681
  
  


• Swagbucks! New: 39
  



• Shop at home.com points: $13.62 same


• Charles Schwab Roth IRA (5/09 opened): $4,838.87 $5,257.59 up $418.72
  

Totals: up $2513.58 actual money.

I am still working on xmas. Zak is done. Just my dad (Cavs hat), Grandma ($20 dunkin donuts basket), Meme ($20 walmart gift card), and britt's boyfriend

November Financial Goals

Goals for November:

• Were gonna shoot for no fastfood again this month, which means coffee too. I bought dunkin donuts and creamer and want to suffer for the month, due to all the shopping
  

• Start contributing $275/mo for 11 months to windows bill (started 7/09)

• split $1000 between house fund $265, emergency fund $265, Roth IRA that I will be opening 5/08 $450, $20 Zak

• Have a successful party for my dad!

• Try not to spend more than $200 on day after thanksgiving
  

On to September:

Ok Purple is last month and Red is this months:


For my accounts according to mint.com:

• Etrade (high yeild savings account): $16,994.32 18,786.58 up $1792.26
  



• Etrade (house fund): $2,439.29 2,705.44 up $266.15



• Etrade (emergency fund): $2,865.54 $3,131.87 up $266.33
• Chase (low yeild checking): $2,688.82 $1155.73 down $1533.09



• Charles Schwab (high yeild checking): 2,196.34 $0 right now up $0



• Charles Schwab savings:1,228.52 2,468.70 up $1240.18



• LHS retirement account: $3,468.39 $3,445.79 down $22.60
  



• OPERS retirement account: $6,393.27 $6,734.95 up $341.68
  
  
• Zak's Etrade savings account: $1,412.28 $1,452.89 up $40.61(included nov)
  



• Zak's CollegeAdvantage fund: $802.81 $789.38 down $13.43



• Coupon savings this month: $24.80
  



• Speedy points: 145400 up 681
  
  


• Swagbucks! New: 25
  



• Shop at home.com points: $13.62 same


• Charles Schwab Roth IRA (5/09 opened): $4,838.87 $4,814.03 down $24.84
  

Totals: up $3564.92 actual money.

I am working on christmas gifts. I pretty much have zak done. I want to get him an art table and also some new sheets for his bed that adams getting him, and some clothes.

October Financial Goals

Review of Sept:

• Take zak to more open bounces on Fridays (its $6)--We went to a couple. He loves it!
  
• keep saving!!--my new goal is $25000 by the end of the year
  
• buy Britt a housewarming gift---i got her a candle and another smelly thing
  
• keep doing my meals (and hopefully jackie can help)---i am doing my meals. Last week was bad. We went out to eat a lot. NOT this week/month!
  
• want to do a garage sale still--not gonna happen this year
  
• wedding gift for trish---gave her money and her gift from the shower
  

• Start contributing $275/mo for 11 months to windows bill (started 7/09)---still going

• split $1000 between house fund $265, emergency fund $265, Roth IRA that I will be opening 5/08 $450, $20 Zak---done!

On to September:

Ok Red is last month and Purple is this months:


For my accounts according to mint.com:

• Etrade (high yeild savings account): 17703.28 $16,994.32 down $708.96
  



• Etrade (house fund): 2173.06 $2,439.29 up $266.23



• Etrade (emergency fund): $2599.10 $2,865.54 up $266.44
• Chase (low yeild checking): $2430.37 $2,688.82 up $258.45



• Charles Schwab (high yeild checking): 1543.70 2,196.34 up $652.64



• Charles Schwab savings:1,113.62 1,228.52 up $114.90



• LHS retirement account: 3,286.95 $3,468.39 up $181.44
  



• OPERS retirement account: 6,041.69 $6,393.27 up $351.58
  
  
• Zak's Etrade savings account: 1,391.57 $1,412.28 up $20.71



• Zak's CollegeAdvantage fund: 770.30 $802.81 up $32.51



• Coupon savings this month: $138.92 HOLY COW!
  



• Speedy points: 145400 up 681
  
  


• Swagbucks! New: 12
  



• Shop at home.com points: $13.62 same


• Charles Schwab Roth IRA (5/09 opened): 3,886.62 $4,838.87 up $952.25
  

Totals: up $1558.87 actual money. Bought a new Iphone :)

Watch out!! Next month is Black Friday!! I hope to get most my shopping done! I am also off orientation and hope to work at Tripoint more.

September financial goals

Review of August:

• No spending money on ANY fastfood/restaurants--Only spent a little. Didn't want to, but did.
  
  
• My birthday is this month, I want money lol not to spend it--spent about $25 on my bday.
  
  
• STICK with the meal plan!!--doing well.
  

• Start contributing $275/mo for 11 months to windows bill (started 7/09)---still going

• split $1000 between house fund $265, emergency fund $265, Roth IRA that I will be opening 5/08 $450, $20 Zak---done!

On to September:

• Take zak to more open bounces on Fridays (its $6)
• keep saving!!
• buy Britt a housewarming gift
• keep doing my meals (and hopefully jackie can help)
• want to do a garage sale still
• wedding gift for trish

Ok Purple is last month and Red is this months:


For my accounts according to mint.com:

• Etrade (high yeild savings account): 20,220.17 17703.28 down $2516.89
  



• Etrade (house fund): 1906.60 2173.06 up $266.46



• Etrade (emergency fund): $2332.34 $2599.10 up $266.76
• Chase (low yeild checking): 3349.15 $2430.37 down $918.78



• Charles Schwab (high yeild checking): 1,927.81 $1543.70 down $744.42



• Charles Schwab savings: 1013.62 1,113.62 up $100



• LHS retirement account: 3217.01 3,286.95 up $69.94
  



• OPERS retirement account: 6038.47 6,041.69 up $3.22
  
  
• Zak's Etrade savings account: 1390.61 1,391.57 up $.96



• Zak's CollegeAdvantage fund: 754.76 770.30 up $15.54



• Coupon savings this month: $167.50 HOLY COW!
  



• Speedy points: 144719 145400 up 681
  
  


• Swagbucks! New: started 4/09 cashed in points for $5 card, now 45
  



• Shop at home.com points: $13.62 same


• Charles Schwab Roth IRA (5/09 opened): 2967.94 3,886.62 up $918.68
  

Totals: up $633.22 actual money. Bought a new Macbook pro :) :-)

August Financial Goals

Review of July:

• Bachelorette party in Put in Bay this month. So I expect a nice expense from that.---too much money!!
  


• Wedding as well. I am going to buy them something from Bed Bath and Beyond, as well as something for another friend's shower in august. We're in the wedding and I haven't bought zak's tux yet...---both weddings came and went...so did the money
  


• Cookout expenses, between food, water balloons and stuff i expect a nice one there---oh yeah....
  


• good news. My garden is doing well. I'm going to pick some veggies soon :)---yes over a month now i havent bought lettuce
  

• Start contributing $275/mo for 11 months to windows bill (started 7/09)---still going

• split $1000 between house fund $265, emergency fund $265, Roth IRA that I will be opening 5/08 $450, $20 Zak---done!

On to August:

• No spending money on ANY fastfood/restaurants
• My birthday is this month, I want money lol not to spend it
• Start contributing $275/mo for 11 months to windows bill (started 7/09)
• split $1000 between house fund $265, emergency fund $265, Roth IRA that I will be opening 5/08 $450, $20 Zak
• STICK with the meal plan!!

Ok Red is last month and Purple is this months:


For my accounts according to mint.com:

• Etrade (high yeild savings account): 18,937.01 20,220.17 up $1283.16
  



• Etrade (house fund): 1,640.08 1906.60 up $266.52



• Etrade (emergency fund): 2,065.47 $2332.34 up $266.87
• Chase (low yeild checking): 4,222.52 3349.15 down $873.47



• Charles Schwab (high yeild checking): 1,183.39 1,927.81 up $744.42



• Charles Schwab savings: $1,008.34 1013.62 up $5.28



• LHS retirement account: 2,918.64 3217.01 up $298.37
  



• OPERS retirement account: 5,207.87 6038.47 up $830.60
  
  
• Zak's Etrade savings account: 1,349.51 1390.61 up $41.11



• Zak's CollegeAdvantage fund: $690.45 754.76 up $64.31



• Coupon savings this month: forgot to calculate :(
  



• Speedy points: 143919 144719 up 800
  
  


• Swagbucks! New: started 4/09 cashed in points for $5 card, now 27
  



• Shop at home.com points: $13.62 same


• Charles Schwab Roth IRA (5/09 opened): $2,428.37 2967.94 up $539.57
  

Totals: up $1283.09 actual money. YAY :-)

July Financial Goals

Review of June:

• Start Jaimie as my sitter. She will be using my food here so my groceries may go up because at daycare, they got meals covered. It will be good though. Daycare costs remain the same.---Going well my son loves it, it's worth a little extra money
  


• I will be going to St. Louis again. So, that's an expense, but hopefully no more than $200 for the 5 days.---spent more than that (don't have an exact number but it was fun!!)
  


• I have copays tomorrow and possibly eyeglasses to pay for :(---all is ok, no glasses, copays are done.
  


• I did a summer shopping spree in may, so NO clothes this month!--I think I bought a $12 hoodie, but that was it.
  


• split $1000 between house fund $265, emergency fund $265, Roth IRA that I will be opening 5/08 $450, $20 Zak---done!
  


• keep shopping at the farmer's markets and cheap stores---doing well
  

On to July:

• Bachelorette party in Put in Bay this month. So I expect a nice expense from that.


• Wedding as well. I am going to buy them something from Bed Bath and Beyond, as well as something for another friend's shower in august. We're in the wedding and I haven't bought zak's tux yet...
  


• Cookout expenses, between food, water balloons and stuff i expect a nice one there


• good news. My garden is doing well. I'm going to pick some veggies soon :)

• Start contributing $275/mo for 11 months to windows bill (started 7/09)
  

Ok Purple is last month and Red is this months:


For my accounts according to mint.com:

• Etrade (high yeild savings account): 19,526.83 18,937.01 down $589.82
  
  



• Etrade (house fund): $1373.81 1,640.08 up $266.27



• Etrade (emergency fund): 1793.87 2,065.47 up $271.60

• Chase (low yeild checking): $2388.61 4,222.52 up $1833.91



• Charles Schwab (high yeild checking): $1330.56 1,183.39 down $147.17



• Charles Schwab savings: $3908.34 $1,008.34 down $2900



• LHS retirement account: $2925.81 2,918.64 down $7.17
  



• OPERS retirement account: $4863.66 5,207.87 up $344.21



• Zak's Etrade savings account: $1328.46 1,349.51 up $22.52



• Zak's CollegeAdvantage fund: $703.87 $690.45 down $13.42



• Coupon savings this month: $163!!
  



• Speedy points: 143524 143919 up 395
  
  


• Swagbucks! New: started 4/09 cashed in points for $5 card, now 14
  



• Shop at home.com points: $13.62 same

• Charles Schwab Roth IRA (5/09 opened): $2,428.37

Totals: up $2371.78 actual money. YAY :-)

Some new goals of mine

By the End of 2009

Health

• Run a 5K
• Make my body fat 20% (my scale says 22%)
• Take a multivitamin everyday
• Workout at least 3 times a week
• Cook meals and eat lots of raw veggies/fruits
  

Family

• Have a family member over twice a month for dinner
  
• at least once a week take zak somewhere "fun"
  
• work with zak on his "homework" at least 3 days a week
  
• read to zak on nights i'm off
  
• do a craft with zak once a week
  

Friends

• Take time to meet with friends once a month away from Zak
  
• Have friends over at least once a month to hangout
  
• Have a cookout
  
• Visit a friend once a month who I havent seen in a while
  

Home

• truely clean the house once a week
  
• figure out what to do with zak's room (for decor)
  
• Keep our closets organized
  
• have a garage sale!!
  
• look into updating things like entertainment stand, kitchen things, etc
  

Job

• Keep teaching at Lake. Keep babysitting class going.
  
• Make the big decision at the end of the year to stay with Lake or go to Metro
  
• Do an ACLS class
• Keep up my CPR license
  
• Keep up on policies for both jobs.
• Look into Lakeland for CPR instructing
  

Financial

• Keep contributing to Roth, Zak, and such
  
• At the end of the year, if I make the switch to Lake, check into 401k
  
• keep doing my coupons
  
• keep doing swagbucks
• Enter 3 giveaways a week.

Ok, now that I made the goals I need to fit them into my crazy life, which is always possible.