1. Walk at least 30 minutes (on treadmill) per night.
2. 1000 item declutter (trash/donate)
3. Pay at least 1 credit card off and a total of $8500 total
4. Use cash (for big items will still purchase with cc but payoff)
For now, those are the big ones. The thing is that our financial goals are always in limbo for a month. The dust doesn't settle for us until the beginning of February (and maybe later than that will any IRS changes). Our health insurance premium and our mortgage payment is increasing on January 1. Mr. Green's review isn't until mid-January so we won't know if there is a pay increase on the horizon until then. We'd really like to increase our grocery budget a little bit. So #3 and #4 are on hold until our budget stabilizes.
Monday, December 31, 2012
Thursday, December 20, 2012
People Who Deserve A Punch In the Throat - Gift Giving Edition
And the award for People Who Deserve A Punch In the Throat goes to:
Parents that use the "group gift" as a cover for being cheap-ass bastards
Dear Cheap-Ass Bastard Parent,
I want to thank you for seeking me out when you heard that I would be willing to oversee a group gift for our childrens' class. When I agreed to collect $, purchase holiday gifts and hand out cards for our wonderful teachers (all four of them) whom our children adore, I purposely left it to your discretion to come up with an amount you found suitable for your family and your budget. I have to admit, I was a little surprised to find your $7 check in my child's backpack. The oddity of a $7 contribution was a bit unusual, but also because you have two children in that class and it works out to be an $.88 cent contribution per child for each of the teachers. The confusion was cleared up for me though, when I read your facebook postings on some upcoming expenses. I should have know that you were strapped for cash because of the hundreds of dollars of liquor you purchased for your family's annual holiday party this weekend. I think the exact figure was $346.27, right? That's the caption on your facebook picture anyway. Couple that with your New Year's trip to Aspen with your family of four and that makes you nearly destitute. So, it's completely understandable why you'd think that $7 is a reasonable contribution. Fortunately, the other parents that contributed were a little more generous and we were able to pull together a good sum to put towards the gifts cards. A little voice deep, down inside me tells me that's what you were counting on. That other parents would pick up your slack and you'd still be associated with this thoughtful group of parents because you contributed something. Shame on you! Therefore, the award for People Who Deserve A Punch In the Throat goes to you!
Sincerely,
Mrs. Green
Parents that use the "group gift" as a cover for being cheap-ass bastards
Dear Cheap-Ass Bastard Parent,
I want to thank you for seeking me out when you heard that I would be willing to oversee a group gift for our childrens' class. When I agreed to collect $, purchase holiday gifts and hand out cards for our wonderful teachers (all four of them) whom our children adore, I purposely left it to your discretion to come up with an amount you found suitable for your family and your budget. I have to admit, I was a little surprised to find your $7 check in my child's backpack. The oddity of a $7 contribution was a bit unusual, but also because you have two children in that class and it works out to be an $.88 cent contribution per child for each of the teachers. The confusion was cleared up for me though, when I read your facebook postings on some upcoming expenses. I should have know that you were strapped for cash because of the hundreds of dollars of liquor you purchased for your family's annual holiday party this weekend. I think the exact figure was $346.27, right? That's the caption on your facebook picture anyway. Couple that with your New Year's trip to Aspen with your family of four and that makes you nearly destitute. So, it's completely understandable why you'd think that $7 is a reasonable contribution. Fortunately, the other parents that contributed were a little more generous and we were able to pull together a good sum to put towards the gifts cards. A little voice deep, down inside me tells me that's what you were counting on. That other parents would pick up your slack and you'd still be associated with this thoughtful group of parents because you contributed something. Shame on you! Therefore, the award for People Who Deserve A Punch In the Throat goes to you!
Sincerely,
Mrs. Green
Tuesday, December 18, 2012
Decembe Debt Numbers
At least it's going down :)
Original Debt (6/26/12): $175,209.81
Paid: $5,558.42Remaining: $169,651.39
Original CC Debt (6/26/12): $63,731.78
Paid (12/19/12): $1,959.68
Remaining (12/19/12): $61,772.10
Original Other Debt (6/26/12): $111,478.03
Paid (12/19/12): $3,598.74
Remaining (12/19/12): $107,879.29
Gap: $0
Best Buy: $0
Furniture Mart: $0
Credit Card 1: $0 Credit Card 2: $1,009.25
Credit Card 3: $2,588.86
Credit Card 4: $15,972.98
Credit Card 5: $13,169.31
Credit Card 6: $13,581.68
Personal Loan: $15,450.02
Auto Loan 1: $10,011.77
Auto Loan 2: $10,619.52
Student Loan 1: $55,690.42
Student Loan 2: $31,557.58
Original Debt (6/26/12): $175,209.81
Paid: $5,558.42Remaining: $169,651.39
Original CC Debt (6/26/12): $63,731.78
Paid (12/19/12): $1,959.68
Remaining (12/19/12): $61,772.10
Original Other Debt (6/26/12): $111,478.03
Paid (12/19/12): $3,598.74
Remaining (12/19/12): $107,879.29
Gap: $0
Best Buy: $0
Furniture Mart: $0
Credit Card 1: $0 Credit Card 2: $1,009.25
Credit Card 3: $2,588.86
Credit Card 4: $15,972.98
Credit Card 5: $13,169.31
Credit Card 6: $13,581.68
Personal Loan: $15,450.02
Auto Loan 1: $10,011.77
Auto Loan 2: $10,619.52
Student Loan 1: $55,690.42
Student Loan 2: $31,557.58
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