Where to go from here?

money goalsAs life starts to settle down a bit, I’ve been thinking about what my savings goals should be. I know what they were, but now that I’ve bought a new car and moved, what should be next?

I know that we will likely be moving again in a year or two, and my car should be fine for quite a bit, but you never know so I want to sock some money away there (maybe $1,000 just in case?) but neither is really as pressing as it was earlier this year.

Emergency fund and Six Months are still important to me, but the Six Months is so daunting. Maybe for now I’ll snowball (or sweep) that until I get some of the other stuff caught up. I’ll need my Christmas Gifts money soon enough, you know.

School is totally on the table, but I attended a training that put a whole new idea in my head and it is so completely different that I’m not sure how to approach it. It would be at a totally different (and more expensive) school and may require more undergrad classes before I could even start the Masters.

I have a lot to think about on a personal financial level and a lot to discuss with that guy I like a whole lot on a joint financial level.

Which brings me to another question of how we’re going to merge our finances or if we are even going to at all. I guess that’s a wait and see for now until he finds a job and has income coming in so we can see where we are then.

It’s all very confusing right now!

I should probably start with my usual process when things are confusing and chaotic – pick one thing and just do it. I mean it’s not like I can’t transfer money when I figure stuff out more, right?

 

 

Gasp! It adds up quickly…

Have you ever sat down and looked at the numbers only to say, “Holy Shit.”? That was me today. Not to worry, I’m fine, it was just more than I thought. Bad Ella.

The last couple of months it seems like I’ve just been hemorrhaging money. Seriously, I don’t even want to get into what I’ve spent – but in my own defense, most of it was for the move and getting settled into the new place. I shouldn’t be surprised by how fast it adds up, but I always am.

That said, now that we are getting settled, I need to get back on track. I’m going to start setting my weekly goals challenges again and start saving again like it’s my job.

Time to refocus.

First up? No using my American Express unless I sit down and send the same amount to it as a payment for the next 30 days.

Challenges for this week (May 9-15) Recap

Goals Challenges for this week (May 9-15):

  • Bring lunch all week  One day was provided by work, but I didn’t go out all week!
  • Take printer to get fixed (under warranty) No, the week got away from me
  • No spend week outside of gasoline until I get to Chicago and keep it to a minimum there. Mostly. Dinner with friends meant I bought garlic bread, laundry cost about $10 plus ice cream, but other than that it was pretty good. As for Chicago, I spent more than I planned, but whatever. It was a good weekend.
  • Keep food numbers under control
  • Go through pots and pans to give away Done on Tuesday, out of the house on Wednesday.
  • Clean out fridge Done on Monday!
  • Finish book I’m reading and choose another to read before bed. Done Tuesday! Reviewed here. Now reading the next one Broken

So that’s it for me. How did you do this week? If you blogged it, please feel free to leave the link in the comment section!

#weeklygoals

Challenges for this week (May 9-15, 2011)

It’s time to get back in the saddle with setting goals challenges for each week and following through with them! I’ve been sorely neglectful with this and need some more structure in my financial life and other parts too (not all are strictly financial)…

I’ve decided that it’ll be more “fun” to call my goals challenges. I can be a fairly competitive person (with myself) so I think this will help more. Also, you should know that my weeks go Monday to Sunday.

Goals Challenges for this week (May 9-15):

  • Bring lunch all week
  • Take printer to get fixed (under warranty)
  • No spend week outside of gasoline until I get to Chicago and keep it to a minimum there.
  • Keep food numbers under control
  • Go through pots and pans to give away
  • Clean out fridge
  • Finish book I’m reading and choose another to read before bed.

So that’s it for me. What are you working on or towards this week?

#weeklygoals

Challenges for this week (March 7-13, 2011)

(I fell off the tracking wagon for a bit, but I’m back! I have no idea how well I did or didn’t do on the last one I did so I’m starting over.  Sigh. Life gets crazy, ya know?)

I’ve decided that it’ll be more “fun” to call my goals challenges. I can be a fairly competitive person (with myself) so I think this will help more. Also, you should know that my weeks go Monday to Sunday.

Goals Challenges for this week (March 7-13 2011):

  • Continue with Pantry Challenge I haven’t been making anything exciting – it seems that I had more in my fridge than I thought.
  • Gather and pack supplies for the donations this year to the Equinox Celestial Celebration so I can work on them in FL.
  • Figure out money for FL and move money for auto-paying bills while gone.
  • Check in early for my Southwest flight so I get a good seat!
  • Finish slate blue version and update Etsy with The Nettie Scarf.

So that’s it for me. What are you working on or towards this week?

#weeklygoals

Challenges for this week (Jan 24-30, 2011) Recap

I’ve decided that it’ll be more “fun” to call my goals challenges. I can be a fairly competitive person (with myself) so I think this will help more. Also, you should know that my weeks go Monday to Sunday.

Goals Challenges for this week (Jan 24-30, 2011):

  • Bring lunch at least 4 days this week. Yes, done.
  • Make hat and mail it. Made, will be mailed out tomorrow
  • List 3 more items on my Etsy shop and promote 3-5 times during the week. No, this week was not a good week for Etsy projects
  • Figure out how to link my PayPal to my ING account? Is this even possible? Yes, and apparently I had already done it! Go me.
  • Move money around for end of the month! Yes.

So that’s it for me. What are you working on or towards this week?

Saving-‘Ku

sometimes i log in
to my accounts just to look
at the numbers

feel both proud and scared
proud that i’ve done well so far
scared that i’ll mess up

but i suppose though
it’s like other parts of life
mess up? keep going

numbers are not great
yet. but they are improving
and that’s what matters

 

no crash savings plans
like there are to lose the weight
(don’t work anyway)

one step at a time
like dieting, this requires
mindset change for me

chance is coming slow
some days? not as hard as thought
some days? it’s harder

day by day it does
change in little ways, you see
and i will succeed