Saturday, January 21, 2012

Hell is freezing some money stuff

Hell is freezing over... Because I am posting twice in one day!

lol... yes, I know-- I'm a dork

Anywho, I wanted to take the time to update my financial info on my right side bar.

Here's a quick run down:

Emergency Fund: is still in place, in a 'hands off' bank account. Bad news is I haven't contributed to it in some time, but I am earning a few bucks in interest.

Other Savings: account is  constantly up and down, but I try really hard to keep at least at $1000 and as things come up I try to save for them. Hence few hundred dollars over my $1000 minimum. They goal is to have a steady $2000, but I've had a hard time keeping that up. I'm hoping to bump in up after my big fat tax return check.

Fully Funded Emergency Fund: isn't in my plans to happen until I am debt free, well at least outside of student loans.

Our Wedding Fund: this poor account has seen no love.... well other than withdrawals. With J out of work the money we started saving for our wedding started to be used for necessities like incredibly high power bills and ridiculous traffic tickets.

On to the debt...

AMEX: I have no excuse for myself. Long story short, I ran this card back up. And as always, I have nothing to show for it... other than the bill. The plan to is knock this out when I get my tax refund and put the card in the freezer so I won't be tempted to swipe.

MBNA: Remember this is the 0% interest card that I used to transfer a big lump some from my personal loan.This card honestly should have bee paid off by now (had I not run the AMEX back up) But as the other, I will pay this one off with a lump sum I will get back from taxes. Just in time before the 0% deal ends.

Personal Loan: My next payment will bring me under $10,000! Yesssss!! I have just been paying the minimum on this as I try to attack the other two (unsuccessfully, but still in the works.) Once I get the other 2 knocked out I will work on stacking on the payments to get this one gone as well.

Overall, I am doing better than I was doing when I started this blog. I started out with about $25,000 in debt and my current balance now (outside of my student loan debt) is $16,492.04. Seems like that number should be lower, but I will take it.

By my birthday in 143 days, my goal is to be down to: $9,000. Which I think is completely realistic. The only reason I'm not being even more aggressive is because I want to save some money for an engagement ring. I'm going to have to start a new secret blog to talk about that. :-)

Not to get completely off subject, but it's funny. I was so angry at J last night and this morning. Like really angry. I didn't post the details, but I was angry to the point that I realized the honeymoon is definitely over (we have honeymoon moments, but the actual 'vacay' is so over.) But after talking to her this morning and sharing my anger, internal battles and issues and watching her listen and really SEE me, I realized what we have is irreplaceable and as angry as I was, us talking about made it go away.... and I still want to marry her, like really wanna marry her. lol.. Isn't that funny? Our relationship isn't perfect, in fact it has been pretty fucking hard from time to time, but we are both so invested, so vulnerable and so willing to communicate, that even in rage we can figure it out. Relationships take work and effort and honesty... I guess a part of me is a little afraid that this relationship will crash and burn just like the last one, but what I am learning is, I am a work in progress and I have to make a conscious effort to not loose myself and that part is just as important as communication with her and putting forth effort.

Ok... that's it. That's all I got. See you soon.

P.S. Feel free to click on the donate button on the top left of the page and show me a little bit of love... or a lotta bit, your call. :-) Thanks a million!


1 comment:

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