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Archive for June, 2014

Way over budget on a vacation and waiting to hear on a job

June 26th, 2014 at 07:58 pm

I just went on a nice vacation where we spent enough money to be able to pay off one of my student loans. I am really upset about it but what can I do now.

I had never really traveled with my husband like this before but now I know a reasonable budget that I can follow for our next one.

I'm so down that I haven't been able to focus on work and just stressed. This isn't how vacation was suppose to feel.

I'm trying to pick up the pieces so I can settle the debt right away and move on. I still have a few months expenses, my part-time job and side projects I can start working on.

I think I need to redefine my goals again I accomplished a lot of them and now I need to prioritize what should be saved for first. I am doing pretty well on sending all snowflakes to student loans. I have reduced the balance on one by $200 since the beginning of June.

The future looks bright despite the huge hiccup in the road. I am just going to try to keep giving it my best and cross my fingers. I have been doing so well so far that I must be doing something right!

Good news!

June 17th, 2014 at 06:06 am

Looks like I might get picked up for other temp work at my job. This is amazing.

I just spent a lot of money though on this trip so my next check will have to resolve that. I just thought to myself how cuckoo to know I'll have money for a bit longer.

I tried to figure it out and I think what I'll do is:

Save money for the next car insurance lump sum.
Pay off my Old Medical Bill and raise money for Dental work.
Pay off the Hotel Stay.
Set myself up with payments for next year's once a year bills (car registration etc.)

Still do my 26 week challenge, still send an extra 20 each week to my lowest student loan. And pay myself car payments.

It feels sort of impossible but I do my best. I'm trying to get out from a pile of debt soon and buying all that stuff didn't help. I'm sure after this vacation though and the relaxation and enjoying the things I spent my money on I will get right back on track. It feels like I am not getting ahead but I'm a lot better off than I was with careful planning I should be right where I want to be in no time.

I also need to stop being so hard on myself! I have done a lot with a little.

Pretty Close to that 6 month goal and various other updates

June 13th, 2014 at 08:46 am

Things are going well except for my urge to splurge on coffee out on a regular basis. Guessing its part of stressing out from not knowing what's going to happen with the project and whether I'll be picked up for another.

I'm just a hair shy of hitting my 6 month of expenses goal because I was able to save up enough money to pre-pay car insurance. This is great because it means I can live off the crappy pay from my part-time job if I absolutely had to.

Been getting alot of snowflakes in which I've been putting toward paying off my student loans. I have also been using smarterbucks to see if that helps. So far it hasn't so much but every little bit helps. I'm just not sure how long it would take to get to the $10.00 cash out amount.

My EF is almost at 4K which is amazing considering I had to pull from it twice in the past 12 months for emergencies.

It appears that I finally have a positive net worth which is nutty to me but also awesome. I'm going to do everything in my power to keep it in the positive.

I got my registration and called in they stated I could leave the title situation the way it is or pay about 10 bucks to convert it to the state I am in now. I think I might convert it just so that all the paperwork matches up.

It's nice to see things getting taken care of before the potential loss of my assignment. I had never dreamed of getting all the things done that I have in the past year.

I know that if I work hard I can get the rest of my goals accomplished too. Just have to keep working hard and trying!!