Tuesday, November 29, 2011

Loving Jeans

As my fellow blogger and friend, Rafiki, pointed out in my comments, I really do love jeans.  (not to be mistaken with the love I feel for people).  I don't buy expensive purses or get my hair colored but I buy jeans.  I think that everybody has something that they have a weak spot for.  I get to wear jeans on Fridays and donate to United Way.  It's my favorite day of the week because of the jeans. 

What is your weak spot?  Shoes, purses, food, cars, cute clothes for your kid, home decorations, furniture?

Everybody has something and I want to know what you struggle with.

Saturday, November 26, 2011

Bleeding Money!!

I feel totally out of control with my spending.  I went out for Black Friday and spent around $250.  It's not so much the money that I've spent on christmas presents but the money that I've spent on myself.  I bought a new pair of brown boots and skinny jeans for myself.  A couple weeks ago, I bought 2 new pairs of jeans and 2 sweaters.  I don't need this stuff but I want it.  I love jeans and it is so hard to refrain from buying them.  I have talked before about setting a monthly amount that I can spend on myself for clothing but I've never done it.  I think that would prevent overspending.

I just need to stop.  No more online shopping for myself either!!

Tuesday, November 15, 2011

Accomplished My 2011 Goals

I revised my goals for 2011 a couple months ago when Y and I decided to put more emphasis on our mortgage.  We had 3 goals for the remainder of 2011.  Here they are from a previous blog post:

1.  Have Mortgage under $50,000.  It's currently at almost 56K.  This will really be pushing it.
2.  Keep savings at $30,000.  Our savings is at this point but I need to include it so I just don't rob our savings to accomplish number 1.
3.  Have student loan under $6000.  This will mean paying an extra $200 to it.  This is doable but I really want to do it.

We are on pace to do it.

Mortgage:  I made a $4000 payment today to the principal which will put us about $20 under our $50,000 goal.
Savings:  I don't have a solid number for this for November but it should be around $33,000.
Student Loan:  I have one more regularly scheduled payment which will put me below $6000.

I still can hardly believe it.  These were really stretch goals and we accomplished them.  I had a huge commission check this month of just over $8000 which was what made them doable for it.  I worked my butt off in October and it really came through on my check today. 

Monday, November 14, 2011

Donating to Charity

This is something that I've struggled with for a long time.  I really don't donate to charity outside of clothing to a second hand store that donates to a charity.  A few times a year, people will ask me for donations and I happily comply. 

My employer matches dollar for dollar for donations made to our local United Way.  United Way sent somebody to talk to us about it at work.  They will even automatically withdraw the money from our paychecks throughout the year.  I decided to donate $250.  It actually came out to $252 over the course of the year.  It is $10.50 per paycheck.  It's not a lot of money but I hope that it will help United Way in my area. 

Sunday, November 6, 2011

Forgo Grocery Shopping Trip

Lil' Punk and I didn't go with Y on his hunting trip because she was sick on Friday and yesterday.  She had a fever of 102 that wouldn't go away.  She is much better today and I'm feeling a little cabin fever.  We need milk so I thought that we would run into town to grab milk.  Then I started looking through cookbooks and started a grocery list.

I went shopping last weekend and stocked up on the things that we needed.  I spent $150 last weekend.  I decided to skip the grocery trip today and called Y and asked him to pick up milk.  I decided that if I went to the store today it would be at least $50 and I didn't need to spend the money.

Friday, November 4, 2011

Local Holiday

Today marks the first day of Deer Hunting Season which is pretty much a holiday here.  I do not hunt but Y does.  I don't see anything wrong with hunting but I don't have the patience for it.  When Y shoots a deer, he butchers it.  He will usually take it in and have venison sticks, jerky or brats made with the meat.

Lil Punk and I are going up tomorrow to the place where Y hunts.  We've never went with him before but he hunts with his good buddy and his buddy's wife invited us to go with her.  It won't be a very expensive weekend.  I did pick up drinks today to bring with and then there will be gas for the trip.  That should be pretty much it for expenses.

Does anybody else deer hunt?

Thursday, November 3, 2011

Not Obsessing About Money

I had to take a little break from this blog because I was growing increasingly obsessed about our money and our money management.  I haven't been spending any more money even though I haven't been blogging regularly.  I still think about our money but I was finding it unhealthy to be writing and consequently thinking about money all the time.

I'm still focused on our goals for the year which include knocking our mortgage down to under $50,000.  Currently its under $54,000 and I'm not sure if we will make our goal for the year with regards to our mortgage.  We paid over $2000 on it toward the principal in October which is very good but I do need to build up our savings back to $30,000 now.  Y bought a $1600 computer which came out of our savings.

Do any of you other personal finance bloggers find that you start to obsess about money at a certain point?