Wednesday, March 6, 2013
Tipping
Tipping is a completely personal decision. There's a lot of positive and negative feedback against a supposed bad tipper regarding a $1500 pizza order and a $10 tip. A lot of people say the person that ordered the pizza is cheap for leaving a $10 tip and a lot of people defend the decision to leave a tip of that amount. My personal opinion is: Who cares? Refer to my first sentence. Tipping is a completely personal decision. Whether someone decides to leave a 20% tip or not tip at all, there is no wrong or right amount to leave. It's at the discretion of the purchaser how much the tip will be (if at all). People are under the impression that tipping is a requirement. Newsflash, it's not. Do I think people should tip? Sure, I think people should tip. But guess what? It's not my call to make on behalf of someone else and it's no one's place to judge.
Wednesday, January 16, 2013
January Debt Number
Original Debt (6/26/12): $175,209.81
Paid: $7,243.36 Remaining: $167,966.45
Original CC Debt (6/26/12): $63,731.78
Paid (1/16/12): $2,957.63
Remaining (12/19/12): $60,774.15
Original Other Debt (6/26/12): $111,478.03
Paid (12/19/12): $4,285.73
Remaining (12/19/12): $107,192.30
Gap: $0
Paid: $7,243.36 Remaining: $167,966.45
Original CC Debt (6/26/12): $63,731.78
Paid (1/16/12): $2,957.63
Remaining (12/19/12): $60,774.15
Original Other Debt (6/26/12): $111,478.03
Paid (12/19/12): $4,285.73
Remaining (12/19/12): $107,192.30
Gap: $0
Best Buy: $0
Furniture Mart: $0
Credit Card 1: $0
Credit Card 2: $937.12
Credit Card 3: $2,588.86
Credit Card 4: $15,646.98
Credit Card 5: $13,037.68
Credit Card 6: $13,371.68
Personal Loan: $15,162.18
Auto Loan 1: $9,788.79
Auto Loan 2: $10,395.05
Student Loan 1: $55,593.28
Student Loan 2: $31,415.18
Credit Card 2: $937.12
Credit Card 3: $2,588.86
Credit Card 4: $15,646.98
Credit Card 5: $13,037.68
Credit Card 6: $13,371.68
Personal Loan: $15,162.18
Auto Loan 1: $9,788.79
Auto Loan 2: $10,395.05
Student Loan 1: $55,593.28
Student Loan 2: $31,415.18
Monday, December 31, 2012
Goals for 2013...work in progress
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.
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.
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
Friday, November 16, 2012
November Debt Numbers
Original Debt (6/26/12): $175,209.81
Paid: $3,859.07Remaining: $171,350.74
Original CC Debt (6/26/12): $63,731.78
Paid (11/16/12): $919.28
Remaining (11/16/12): $62,812.50
Original Other Debt (6/26/12): $111,478.03
Paid (11/16/12): $2,939.79
Remaining (11/16/12): $108,538.24
Gap: $0
Best Buy: $0
Furniture Mart: $0
Credit Card 1: $0 Credit Card 2: $1,080.58
Credit Card 3: $2,588.86
Credit Card 4: $16,298.98
Credit Card 5: $13,302.01
Credit Card 6: $13,791.68
Personal Loan: $15,750.39
Auto Loan 1: $10,227.24
Auto Loan 2: $10,836.70
Student Loan 1: $55,776.91
Student Loan 2: $31,697.39
Paid: $3,859.07Remaining: $171,350.74
Original CC Debt (6/26/12): $63,731.78
Paid (11/16/12): $919.28
Remaining (11/16/12): $62,812.50
Original Other Debt (6/26/12): $111,478.03
Paid (11/16/12): $2,939.79
Remaining (11/16/12): $108,538.24
Gap: $0
Best Buy: $0
Furniture Mart: $0
Credit Card 1: $0 Credit Card 2: $1,080.58
Credit Card 3: $2,588.86
Credit Card 4: $16,298.98
Credit Card 5: $13,302.01
Credit Card 6: $13,791.68
Personal Loan: $15,750.39
Auto Loan 1: $10,227.24
Auto Loan 2: $10,836.70
Student Loan 1: $55,776.91
Student Loan 2: $31,697.39
It's slowly creeping down :)
Wednesday, November 14, 2012
Organization is my saving grace and my downfall...
In order for me to maintain my household, I need to be organized. If I'm not, all things go to hell in a handbasket. When I'm on, I'm on and things run smoothly. Finances are good, cabinets are stocked and bill are paid. When I'm off, nothing gets done. It's take out for dinner or processed pop in the oven kind of dinner, the budget is non-existent and my house looks semi-hoarders like. I know how I'd like things to be but it seems that I don't have the motivation to make it happen. This week seems to be a good week because I'm keeping the budget in check and I'm keeping up on housework. I'm really trying to maintain a healthy balance of getting things done. I've been extremely lazy and our finances reflect that.
Subscribe to:
Posts (Atom)