March Goals Recap

There was a lot Ide like to have accomplished this month, but I didn’t make as much progress as I would have liked. C’est la vie. April is a new month 🙂

Ide wanted to…

  • Lose enough weight to have it start with 17_
  • Not eat out at all or use a vending machine (including going to the gas station for snacks)
  • File my federal and state taxes
  • Submit my application to graduate school
  • Log into MFP every day
  • Find a job for summer 2015
  • Catch up my utilities
  • Place 100$ in my savings account
  • Create a monthly budget for my current income such that all excess from a secondary source can go to debt repayment

Successes

I did file my state and federal taxes. I would have gotten a lot more back…but my new job (which I started in August) pays 3x what my old job did, knocking me into a different tax bracket. At least, due to a deduction because I was in school as an old student, I didn’t end up owing money, so yay to that! I missed one day of MFP, yesterday, because of a wonky sleep schedule. I had a 25 day streak, so I’m pretty displeased about that, but I still consider it a success, because missing one day out of an entire month isn’t too shabby. I caught up both my electric bill and my Cox bill (which were the two utilities I was behind on), and I repaid a personal loan (small – $80) to one of my best friends, so I was very pleased about that.

Failures

I drank so many diet cokes. So many. So. Many. And I ate out. Because I’m terrible. I joined a gym and am waiting for my pass, so this will carry over as an April goal. Hopefully if I pair healthy eating with working out, I will be less inclined to head to McDonalds for an easy meal. I had put $100 in my account…but then I overspent elsewhere and withdrew it 😦

Progress

I have been yo-yo’ing the weight thing. I was doing really well the first week, then fell off the horse, then got back on, then fell off again. I joined a gym and have started prelogging on MFP, so I think making more definitive changes will make a definitive difference. I haven’t submitted my application to graduate school; however, I should be by the end of the week, so I’m not setting that as a goal for April. It’ll be done within days of March ending. I haven’t found a definitive job for the summer; however, I’ve applied for three! I applied to teach summer school, applied to work at a local summer camp, and applied to work at a summer camp in NY with international kids (wish me luck!!!). I have been working on a budget for my income, but I’m not much past “use excess to pay debts.”

Overall

Overall I would give myself a C for March. I didn’t accomplish as much as I wanted, but I did accomplish some goals and I did make progress on others. I’m hoping April will be an A+ !!!

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Weekly $ Checkup 3.3

  1. The most I’ve spent this last week was – $20 on gas.
  2. Today I am thankful that I’m alive?
  3. Money can’t buy happiness. One free thing I did last week that made me happy was hanging out with friends and such.
  4. I will consider this week a success if I clean my apartment.
  5. If I had today off I would clean and sleep some more and deposit this check.

The side-hustle game has gotten strong recently. I finally updated my FB page and am in the process of trying to update my Etsy page, but so far I’ve gotten two requests which is exciting! I also was asked to tutor someone in Calculus 1 and am tutoring a second-grader in money-maths, so it’s been really helpful in supplementing my income because I was frivolous with my money last paycheck. I’ve applied to work at a summer camp and at summer school for my parish, so that’s two summer job application jobs down! There are a few more feelers I’ve put out that I need to check out, but so far I’m pleased with my progress.

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Goal Progress:

  • Lose enough weight to have it start with 17_ 
  • Not eat out at all or use a vending machine (including going to the gas station for snacks)
  • File my federal and state taxes
  • Submit my application to graduate school
  • Log into MFP every day
  • Find a job for summer 2015
  • Catch up my utilities 
  • Place 100$ in my savings account
  • Create a monthly budget for my current income such that all excess from a secondary source can go to debt repayment 

Weekly $ Checkup 3.2

  1. The most I’ve spent this last week was – $170 on groceries and grocery accessories.
  2. Today I am thankful that I figured out the magic hamburger patty recipe.
  3. Money can’t buy happiness. One free thing I did last week that made me happy was spending most of the day hanging out with one of my favorite people…burned up hamburger patties, Icees, and all…
  4. I will consider this week a success if I apply for at least three summer jobs.
  5. If I had today off I would work on my Etsy site and then knit/crochet some stuff

Money management is a lot harder than I remember it being. I think I may have to resort to the magic jar method because this whole using my debit card thing is not working for me.

Magic Debt Cards >.>

They didn’t even need money…they had magic cards

I am not even being facetious though. Using exclusively cash (after paying required bills with plastic) will be the next tactic I try when getting paid. I really don’t have the capacity to mindfully keep up with what I’m spending. I have a lot of goals I would like to meet in the nearish future…having an emergency fund, replacing my car, saving up for a house or property, debt elimination, and eventually even a wedding. I can’t do that if I’m spending my money on bullshit for instant gratification. It’s like psychologically I am getting this pleasure from just…having income. Like, “Look at me! I can buy things because am adult!” I’ve been flirting with my finances this month. A wink here, a hug there, a peck on the cheek…but it’s getting time to pull out the little black dress and go out…because this flirting thing is getting me nowhere fast.

Goal Progress:

  • Lose enough weight to have it start with 17_ 
  • Not eat out at all or use a vending machine (including going to the gas station for snacks)
  • File my federal and state taxes
  • Submit my application to graduate school
  • Log into MFP every day
  • Find a job for summer 2015
  • Catch up my utilities 
  • Place 100$ in my savings account
  • Create a monthly budget for my current income such that all excess from a secondary source can go to debt repayment 

Weekly $ Checkup 3.1

  1. The most I’ve spent this last week was – $20 on gas.
  2. Today I am thankful that I’m getting paid this week.
  3. Money can’t buy happiness. One free thing I did last week that made me happy was finishing the prayer shawl I was knitting.
  4. I will consider this week a success if I finish my personal statement.
  5. If I had today off I would go to sleep because I’ve been stressed.

The last week has been an attempt at a spending fast. I returned several books to Barnes and Noble and got $27.18 back so that I would have gas money. I’m on a bit of a shoestring budget right now because I overspent with my last paycheck, but I’m still trying to work out ways to better improve my situation. Right now I’m looking for secondary jobs (maybe tutoring on the side) and a summer job. I am super excited about spring break coming up haha. I have a lot of plans for April – a wedding, a competition for the club I co-sponsor, a recital, and some other things. I’ve let myself get buried by stress recently…but I’ve really hit the point where I really have to start clawing my way back out or get buried alive. I’m hoping with a positive attitude, trying to do the right thing, and being responsible, I will be able to have the life I want. And if it’s not necessarily the life I want at this moment, the life that I can be happy with. Anyway, happy first week y’all.

Goal Progress:

  • Lose enough weight to have it start with 17_ – went from 189 to 183
  • Not eat out at all or use a vending machine (including going to the gas station for snacks) – I have gotten 2 diet cokes 
  • File my federal and state taxes – Done! Getting a tiny return because I got a new job, but that’s okay! Better than owing!
  • Submit my application to graduate school
  • Log into MFP every day
  • Find a job for summer 2015 – No progress yet
  • Catch up my utilities – No progress yet
  • Place 100$ in my savings account – No progress yet
  • Create a monthly budget for my current income such that all excess from a secondary source can go to debt repayment – I have a template to work from now at least. 

Ides of March

Ides of March…there are a lot of things Ide like to accomplish this month!
(hehehehe – Cae[ser] what I did there?)

So Ide like to…

  • Lose enough weight to have it start with 17_
  • Not eat out at all or use a vending machine (including going to the gas station for snacks)
  • File my federal and state taxes
  • Submit my application to graduate school
  • Log into MFP every day
  • Find a job for summer 2015
  • Catch up my utilities
  • Place 100$ in my savings account
  • Create a monthly budget for my current income such that all excess from a secondary source can go to debt repayment

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“Can you not”

That’s a phrase my kids (cough – erm – my students) say all of the time. They’re seventeen and are pretty sassy, but whenever something isn’t going their way, they turn, hold up their hand and say “Can you not” and turn back to what they’re doing.

Since getting this job and the … rough birthday series finale of me and old bf, I’ve sort of been rampantly not taking care of my finances. Or health. I weighed myself yesterday and looked at my bank account and found myself looking in the mirror and saying “Can you not” to myself. “Can you not” ruin your health? “Can you not” ruin your finances? “Can you not” act like you shouldn’t set goals and should drift paycheck to paycheck?

And so here I am.

Back again. Trying to not ruin my health. Trying to not ruin my finances. Trying to not act like I shouldn’t set goals and should drift paycheck to paycheck.

  • I’m back up to my February 2013 weight (and my September 2014 weight). Ugh. Until I’m at the halfway point of weight loss, I’m going to stick with walking and weights. I have the beginnings of osteoarthritis in my knees, so I would like to weigh less before I start running again. If you want to follow my progress, check out my My Fitness Pal.
  • I’m making roughly twice as much as I did when I worked at my old job, but am somehow living paycheck to paycheck still. I’ve been avoiding some bills, and have accumulated too large of an amount of debt. I am also going to need to have a different vehicle soon – mine is starting to appear to be on its last legs. I opted to be paid during the summer, so even though I won’t actually be working I’ll still get my regular paycheck and such. I want to find a summer job so double-paycheck. I can use the extra plus extra from my regular check to pay off as much of my debt as possible. The goal is once I have at least a month’s income put away in my Emergency Fund, have paid off all of my debts (excluding my student loans), and have a sizable down-payment saved, I can purchase a relatively new vehicle. I need to find a standard budget and a debt repayment plan that is practical.
  • Goals…well, I’d like to not be a teacher forever. At least, that’s not the plan right now. I certainly enjoy it; however, it’s emotionally exhausting, and I feel later on it will be difficult to maintain my emotional health when I have a family. So I’m applying to graduate school for a masters in engineering. We’ll see how that works out relatively soon. I’m still writing my personal statement. Ick.

So here, on Three-Three, I look myself back in the eye after saying “Can you not” and reply “I won’t.”

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Back from Outer Space

falll I’m back! From outer space! Just walked in to find me here…etc. etc. etc. A lot has happened since my last update forever ago. Which I hardly think could have possibly been a year ago…but I guess it was. So far: I have a new job! I teach engineering design and development and advanced math at a magnet high school. I’m not trained for this, so it can be stressful, but that’s okay 🙂 I’m still in debt…if anything in more, so it’s time to start actually keeping track of my spending instead of ruining my credit and being all sad. bf & I are on a break right now because I just moved, he is moving, he is in the process of transferring to an unopened store, I have a new job, and we work opposing schedules. We’re going to a haunted house for my birthday in a few weeks, and so the plan is to pick up where we left off. We’re moving into the same complex, I’m just a month ahead, so that’s sure to help!

October Part Two Goals:

  • Get down to 175 lbs
  • Use MFP & my new apartment’s gym
  • Finish Half of a Yellow Sun
  • Finish unpacking… 😦

October Part Two Budget:

  • 75% toward debt repayment
  • 12% toward utilities
  • 13% toward miscellaneous (gas, food, etc)