@BreakTheTerror best of luck to you! i work for a credit union and we partner with BALANCE Financial Fitness: https://www.balancepro.net/ -- i'm sure there are many other counseling companies like this one out there. these monthly check-ins have really helped me keep myself accountable, and i hope they are helpful for you as well. :)
@steponitvelma baby steps is the way to go! you can do it!
I'm kind of annoyed with myself because the balance on my credit card has gone up instead of down, but like Logan, I treated myself to a couple of winter attire things, and will be back on track next pay period. I was hoping to be at $1500 owed by the end of 2014, but I think a more manageable goal for now is under $3,000. I'd be happy with that. 401(k) Loan Payback: June – $3,254 July – $3,048 August – $2,867 September – $2,686 October - $2, 505 Southwest Airlines Card: August – $5133 September – $4169 October - $4307
On Buying Power
Honest and heartfelt. Made me think of my parents and my experience growing up. Thank you! <3
Let's see: Tonight: nada. stay in, make ravioli, open the $3.99 bottle of Primitivo I bought earlier this week at Trader Joe's and watch Luther and then Gilmore Girls. ($0) Saturday: Have a lazy morning, make breakfast, catch up on magazine reading, go to the farmer's market. ($20) Then head over to my fave coffee shop to work on a freelance gig for a couple hours. ($5) Go see Annabelle (or some other movie) before 6pm. ($15) Sunday: Have another lazy morning, then head to the outskirts of the city where my coworker just moved to help her decorate and congratulate her on her first apartment. I'll bring her a bottle of wine from my stash. ($0) Monday: We have Monday off! Gonna clean and do laundry. Probably continue to work on that freelance project, and attempt to finish my portfolio. Total estimate: $40
Ok, I've switched gears, instead of throwing money at vacay savings, I've decided to aggressively pay down the balance on my Southwest card. But also, still tracking my 401(k) loan payoff: 401(k) Loan Payback: June – $3,254 July – $3,048 August – $2,867 September - $2,686 Southwest Airlines Card: August – $5133 September - $4169 I'd like to owe less than $1500 by the end of this year. I think I can do it! See ya next month!
Last weekend was really busy, so this weekend I kinda just want to stay inside. But here's what's happenin: Friday: tonight will be a big ol' laundry party. just me, the white wine my friend brought over that we didn't consume, and all of the laundry (bedding, bathroom mats, clothing, all of it). and probably some cleaning. ($20 for quarters, $0 for the wine, and $0 for the dvds I picked up from the library) Saturday: farmer's market and/or Safeway ($40), probably grabbing a Subway sandwich because it's a weird tradition I enjoy ($7), then staying indoors, knitting, reading and working on a website project. probably drinking the rest of that white wine. ($0) Sunday: working at a coffee shop on said website project with a friend and checking out her new apartment ($10), then meeting a dude for a drink. i'm gonna try to stick to one cocktail ($10). Total Estimate: $77
That sounds awesome, Mike! Here's what lies ahead for me this weekend: Tonight: My good friend is turning 30, so we're doing a bar crawl. I haven't done one in a long time, and I can already predict that I'll be tired by 11pm. Gonna try to not splurge too much on the fancy cocktails and stick to beer, but we'll see. ($60 - including Uber to and from) Saturday: Heading to my friend's for breakfast (free) and then Golden Gate Park to rent a row boat (~$15 each) and eat lunch in the park (free, bringing my own). Then crocheting the rest of the evening (free). Sunday: Grocery shopping! I still have a lot from my trip to Costco 2 weeks ago, so I just need a few things ($40). Then I'll spend the rest of the day working on freelance stuff at home ($0). Total estimate: $115
@ronswansonluva congrats on paying off one of your cards -- and all of your progress! and i think having an emergency fund for moving is a really smart idea. and if you never need to use it, it'll just keep growing!
I was just in my second and last wedding of the year, so it's time to go into what I call "hermit mode" and start saving more + paying things off. I'll probably add my Southwest card that I've racked up a bit too much over the last few months here next month. 401(k) Loan Payback: June – $3,254 July – $3,048 August - $2,867 Vacation Savings ($80/month, $2k goal by May 2015): June – $121 July – $410 August - $643 This was a good month for my vacay savings yet again. I threw extra freelance income in there on top of my planned automatic transfers. See ya next month!