On Billfold Housing Survey: What Is Your Dream House?

ahhhh I missed the survey! My dream is to own a 3 bedroom condo in a larger building. I don't think I'm meant for all the trappings of home ownership (plow? garbage?) but would be up for paying a condo association fee to not have to think about it and just own my apartment. I say 3 bedroom because one would obviously be a craft room/office (obviously!) and the other is a spare bedroom for friends. I want laundry and a dishwasher and to have a cat and not live on the first floor but if I live higher than the 3rd floor for there to be an elevator (because I'm lazy and the idea of moving furniture higher than that stresses me out). I would want hardwood floors (made of bamboo? renewable sources?!) and good insulation with a lot of natural light. I wouldn't want to ever hear the people above or below me. I wouldn't be mad if my building had a gym and a communal roof deck. I like to dream big guys!

Posted on February 27, 2015 at 2:12 pm 0

On Friday Estimate

@ATF it's about 4 miles for me but the bridge over from southie still doesn't really have side walks and honestly the idea of walking 4 miles in this weather makes me ill. It's sad but I realized that at least my neighborhood will be cleaned up by St. Patrick's Day because of the parade. Boston will do anything for their parades! @Allison that is very thoughtful of you! I'm also planning on spending a bit more over the next few months, our smaller local businesses are getting very anxious! @LookUponMyWorks - thanks! I am just grateful it's almost March, which means it's almost Daylight Savings, which means it's almost the Spring Equinox, which means our chances of being buried under snow are slowly disappearing

Posted on February 20, 2015 at 10:17 am 0

On Friday Estimate

@ATF dark chocolate waffles sound amaaaaaaazing.

Posted on February 20, 2015 at 9:39 am 0

On Friday Estimate

Weekend! I thought I’d saved a lot of money over the last month in Boston because all the snow has kept me from going out and spending, but I just got my electric bill and $300 to heat an apartment that’s still cold is a huge bummer. I have no plans this weekend. I’ve been sick for a little over a week and just want to sleep for infinity. My commute has been hell every day this week (well, every day I was even able to get in to work, Tuesday I had to give up and go home). A lot of thoughtful pieces being written about the economic effects of the snow in Boston. Everyone is losing money. This isn’t just people being wimps, this is a catastrophe. I’m incredibly lucky because if the city shuts down I still get paid and my work allows me to work from home occasionally. I’m just sick and standing outside for an hour or an hour and a half at a time in 5-10 degree weather hoping a bus or a shuttle will show up eventually and that there will be room to get on. ANYWAY…. … $0 weekend. Peapod is coming tomorrow morning, already paid. I’m not leaving the house for two days.

Posted on February 20, 2015 at 9:34 am 1

On Friday Estimate

So, I think it will be a pretty cheap weekend. Today after work I need to pick up some blizzard staples that I’m out of – eggs, bacon, coffee creamer. Probably about $15. Tomorrow afternoon I’m supposed to have a class to sew the Linden Sweatshirt (it was rescheduled from the last snow storm) but not sure if this weekend’s blizzard will cause another reschedule, already paid for this. If we have class I’ll probably pick up a tea from the place next door ($5). I don’t have a Valentine this year but even if I did I don’t think I’m really Valentine’s people, and I’m coming down with a cold so I’m planning to stay home and hibernate through the storm for a few days (basically what I’ve been doing for weeks). Hoping to get some stuff done around the house, but as long as I can get rid of this cold I’ll consider it a success. So, maybe $20 for the weekend.

Posted on February 13, 2015 at 9:48 am 0

On Valentine's/St. Cyril's Day Estimates!

@ATF I simply cannot even with Boston anymore. Last Friday I couldn't get in to the office because I waited an HOUR for a 9 bus that was never coming and started exhibiting signs of frostbite so I went home. Then my office was closed Monday and Tuesday this week. I wish Bev Scott had just ended her talk with the press with the double middle fingers because Baker is a rude d-bag. The resignation letter is basically the same thing in a classier way. Sigh. So help me God if we end up hosting the Olympics!

Posted on February 12, 2015 at 8:16 am 1

On Friday Estimate

It’s going to be a cheap weekend because I am too cold to spend money. It’s been a long week and I’m ready to hibernate again. I couldn’t even get in to work today because I waited over an hour for a bus (or a cab) and neither came. I have peapod coming tonight, already paid. I do need to go to CVS at some point because my kitchen is down to one lightbulb and it is driving me crazy. I’m going to buy one of those bulbs that last for 10 years or whatever, so probably $12. My tax return came in. oh man guys. I want to spend it on things like new socks and clothes and an ipad, and a purse and THEN give whatever is left over to my sallie mae loan. I won't, but, but... yeah

Posted on February 6, 2015 at 9:22 am 1

On Let’s Throw Some Money at Our Problems: January 2015 Check-in

Federal Consolidated Loan (3.88% interest rate) January 6, 2015: $49,711.47 February 3, 2015: $49,692.92 I did decide to just pay the regular minimum amount because the extra money was making virtually no difference. Once I settle the Sallie Mae Loan I might contact the loan holder and see if I can change my payment plan to something that will actually start doing something. Private Salle Mae Lown from Hell (now at .01% interest) January 6, 2015: $24,683.63 February 3, 2015: $24,533.63 I talked to the collections people about the Sallie Mae Loan and they said the lowest it will go (no matter how long I wait) is $4,438. I have about $1,000 saved so far. I’m getting $3,100 back on my tax return but I also kind of depend on that to be my emergency fund for the year. I might take the $4,438 amount and give an immediate $2,000 down payment and then split the rest into monthly payments to finish by the end of the year. From my last post my 2015 goals are: Emergency Fund: $5,000 Current: $0 Moving fund: $3,000 Current: $0 Get rid of Sallie Mae Loan – see above Find someone who will give me a credit card so I can start repairing credit – TBD Start contributing something to Fidelity 403b – yes! Started making automatic paycheck deductions earlier this month

Posted on February 3, 2015 at 9:15 am 0

On Friday Estimate

After a few nice cheap weekends the next two are going to be Expensive! Today after work I’m getting my hairs cut (usually once every ~6 months), $100 including tip. Then going out to dinner with a friend I haven’t seen in about 2 months, probably about $60. I need to pick up a few groceries to get through the coming week, $40. Last night I worked on my layout for the fox quilt I’ve been working on updated photo: http://instagram.com/p/ydIlRfIJ-v/?modal=true. I’ll still need to fiddle around with it a bit tomorrow and then am hoping to put the top together. I won’t have time to start quilting the whole thing for a few weeks so I think finishing the top will be a good stopping point. I also need to seriously CLEAN my apartment, all of it, this weekend because my cousin is coming to visit next weekend and I’m planning on giving her my bed for the weekend so my room needs to be company-level clean. Probably about $200 for the weekend then

Posted on January 30, 2015 at 9:41 am 0

On Monday Check-in

I got into it with Citizens Bank this morning because I have a standing $10 transfer from my Citizens Checking to my Citizens Savings on Thursdays, but now I get paid on Fridays, so this past Thursday there was only $5 in my account and instead of the transfer not happening until I got paid the next day, it went through AND they charged me a $35 overdraft fee… for money that never left my account or the bank. Every other time in the last 8 years I’ve had this account, if there’s not enough money for the transfer it just doesn’t happen until there is, so this is new! Another reason to hate big banks. As for weekend spending – it was a super quiet weekend! Friday I worked on foxes, Saturday I got peapod and roasted a chicken and cleaned my room the least amount possible to still call it “cleaning my room a little”, Sunday I went to see one of my sewing instructors and figured out the pattern sizing for the Linden Sweatshirt. I bought a tea at the grossly overpriced place next door. It was $4! FOR TEA! And then on the way home I stopped at Whole Foods and managed to NOT buy cheese (I deserve a medal) and just got garlic and poblano peppers to add to my chili ($4). I went for a really long walk because it was gorgeous out and starting tonight it will be snowmageddon. Total spent: $8

Posted on January 26, 2015 at 9:03 am 0