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2015 New Year’s Resolutions – 4 Month Update!

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A whole third of the year is gone!!!  What the hell, right?!  So of course it’s time to check in on my 2015 New Year’s resolutions… New Year’s Resolutions 2015 Update Since we still haven’t made hard and fast plans for our long-term future yet, our goals covered a lot of “if’s”: 1.  I want to max out both Roth IRA’s for 2015.  That’s $11,000 overall. We stole $5500 from our emergency fund in March to max out our contribution to one of our IRA’s, and we used our $13,500 tax refund in April to pay back our emergency fund and to fully fund our other Roth IRA.  DONE! 2.  Our 2007 Prius rolled past 130,000 miles in 2014.  In case our car dies sooner than 2017 as planned for, and the interest rates can’t be locked in at less than 1% again, we want our car fund at $15,000 or more by the end of 2015.  It was at $10,400 at the end of 2014. Our car fund is now at $11,400.  Still have $3,600 to go… 3.  Our rental home was built in 2004, so one or all of the big systems will break soon.  We got the rental savings account to $4100 at … Read more…

Halfway Through My Shopping Ban Challenge!

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Early this month, I announced that I was putting myself on a shopping ban challenge like J Money at Budgets Are Sexy for the month of March. Here were the terms: March 2015 Shopping Ban No extraneous spending in March 2015.  This is just concentrating on March 1st through 31st. J Money is allowing himself to spend on “Only bills, mortgages, healthcare, utilities, rent and groceries.”  My definition will also include all food, not just groceries.  BUT, I have to choose cheaper options than usual if I am eating out with friends or family for a pre-planned meal out, and I can’t stop for unnecessary snacks or extras like $1 drinks from McDonald’s.  This isn’t an exercise in self-denial for me.  I want to make sure I am still capable of conscious spending. I was going to donate $1 to SMART Animal Rescue every time I spend/splurge unnecessarily, BUT, you’ll get to pick the charity.  Just leave a comment below with what charity you think should get the cash.  I’ll donate the Oopsie Pot to whichever charity gets the most comments for them (one comment per person, please). I’m not going to simply put off buying something until April 1st.  This is about consciously making the … Read more…

2015 New Year’s Resolutions – 2.5 Month Update!

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I figure it’s about time to check in on my 2015 New Year’s resolutions… New Year’s Resolutions 2015 Update Since we aren’t 100% sure what we want out of our near future, our goals are eclectic: 1.  I want to max out both Roth IRA’s for 2015.  That’s $11,000 overall. We’ve already stolen $5500 from our emergency fund and have maxed out our contribution to my husband’s Roth IRA.  We’ll be using our tax refund to repay our emergency fund and finish off my Roth IRA. 2.  Our 2007 Prius rolled past 130,000 miles in 2014.  In case our car dies sooner than 2017 as planned for, and the interest rates can’t be locked in at less than 1% again, we want our car fund at $15,000 or more by the end of 2015.  It was at $10,400 at the end of 2014. Our car fund is now at $11,175.  Still have $3,825 to go… 3.  Our rental home was built in 2004, so one or all of the big systems will break soon.  We got the rental savings account to $4100 at the end of 2014, so I’m shooting for $10,000 by the end of 2015.  That should cover a new air conditioner, … Read more…

Starting My Shopping Ban Challenge!

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On February 20th, J Money at Budgets Are Sexy decided to put himself on a shopping ban for Lent (February 18 through April 2).  He’s hardcore.  I am participating too, but my personal terms will be slightly different. March 2015 Shopping Ban No extraneous spending in March 2015.  This is just concentrating on March 1st through 31st. J Money is allowing himself to spend on “Only bills, mortgages, healthcare, utilities, rent and groceries.”  My definition will also include all food, not just groceries.  BUT, I have to choose cheaper options than usual if I am eating out with friends or family for a pre-planned meal out, and I can’t stop for unnecessary snacks or extras like $1 drinks from McDonald’s.  This isn’t an exercise in self-denial for me.  I want to make sure I am still capable of conscious spending. I was going to donate $1 to SMART Animal Rescue every time I spend/splurge unnecessarily, BUT, you’ll get to pick the charity.  Just leave a comment below with what charity you think should get the cash.  I’ll donate the Oopsie Pot to whichever charity gets the most comments for them (one comment per person, please). I’m not going to simply put off buying something until April … Read more…

Attacking 2015.

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I’m peppy.  Is it weird that a $55 cell phone bill makes me perky?  🙂 Making 2015 Kick Butt Yep, I posted my official New Year’s resolutions for 2015.  They were mainly financial along with one exercise goal.  But, I have personal goals as well.  Money is actually easier than life stuff in a couple of ways.  I can usually find ways to make money.  Work longer, take more pet sitting gigs, or even find a job working for someone else.  Life overall isn’t as controllable. Family and Friends I think this category is covered as long as I don’t go back to Crystal like a decade ago.  My main rule:  Think of others before myself.  That usually covers the family and friends’ stuff.  My family loves me, which I thought was a given, but I have learned that I’m just lucky.  My in-laws have taken me in too.  We have close friends – people who would hopefully show up for us in any circumstances.  We will do the same for all of them. Since the big stuff seems to be handling itself, my main goal this year is to check my internet gadgets as little as possible around others. … Read more…

New Year Resolutions – 2014 Results and Starting Fresh in 2015!

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With 2014 almost wrapped up, Charlotte reminded me that I should update my 2014 resolutions and create new ones for 2015! New Year Resolutions 2014 Here were my goals at the end of 2013 for the new year: Max out both Roth IRA’s for 2014.  That’s $11,000 overall. Get the car fund up to at least $10,000 by the end of the year.  It’s at $3000-ish right now. Invest or set aside at least $1,000 a month ($12,000 over the year) for one of the targets mentioned above (either one or a combo of a SEP IRA, rental property, or a child fund).  This is on top of our normal budget. Budget appropriately for at least 3 vacations – a cruise in January, a summer vacation of some sort probably in July, and the Board Game Geek Board Gaming Conference in November…those will be our minimums.  We’re probably looking at about $4000.  Vacations are the only we we stay motivated overall.  So this may seem wasteful, but it is super important to us in order to accomplish everything else. Results as of December 10, 2014 Here is where I stand so far: We maxed out both Roth IRA’s!  Yay!  CHECK The … Read more…

2014 New Year’s Resolutions – 10 Month Update

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It’s been more than 5 months since I publicly checked in with my goals for 2014.  Here is the official 2014 New Year’s Resolutions update.  😉 Goals and Updates My goals were very money-orientated this year.  Our online business slowed down a little earlier in the year, but we are compensating with pet sitting and sports officiating. 1. Max out both Roth IRA’s for 2014 ($11,000 overall). DONE! Woot!!! We sent over $5500 for each Roth IRA in early May 2014, so that was wrapped up. 2. Get the car fund to at least $10,000 by the end of 2014. It was at $3000 at the end of 2013. DONE!  Although I did buy my new Honda Fit this year, our account had reached $10,000+ before that.  We ended up not using any of it either since we skipped a down payment.  My car loan is at 0.9% interest, so we aren’t in a hurry with it.  I could never pre-pay and still end up only losing $325 in interest over 5 years… 3. Invest or set aside at least $1000 a month ($12,000 over 2014) to use for a SEP IRA, another rental property, or for having a baby. This … Read more…