(no subject)
asdfasdfasd
buying a big huge thing that costs a lot of money
Okay, all this house-buying stuff is freaking me out. How did you guys decide what to do?
update
So in December I managed to work for 51.75 hours, making $1435 in tips and about $160 in wages. I don't plan on working anymore this month. Jason got paid, too. I don't really remember spending any of it, but somehow my bank account has $580 in it to last the end of the month. How annoying is that?
We're still spending way too much money on food. We tend to do the whole grocery-shop-for-one-day thing, picking something up on the way home and wasting a fair amount of food. I'm not really sure what to do about that. Jason doesn't eat leftovers and I guess I would if I ate lunch. But isn't not eating leftovers for lunch and not eating lunch at all pretty much equivalent, money wise?
I bought ROTH IRAs for both Jason and me. I think we're behind in terms of retirement funds, considering all the unemployment and the short stints at various jobs. For some reason companies want you to work for them for a while before they'll start offering a 401k. Psh. But we're starting now, and it's better late than never, or so they tell me.
We're also trying to save up money to buy a house. Houses are freaking expensive! You could buy like ten to twenty couture dresses. What we're worrying about right now is a down payment and the right time to buy. Ever since we moved here, the housing market in Vegas has been declining, and it's always "You should wait six more months, you should wait nine more months." Which was always pretty much fine, cause we didn't have the money anyway. We still don't have the money for a down payment, but I'm starting to panic as I see all the money we're throwing away at rent every month. When we moved here, our rent was $934/mo, and in a year and a half it's increased to $1129/mo. It'd be nice to be building our equity rather than building someone else's. But that's at least a few months away.
In other news, Jason has quit drinking, and so I have too by proxy. We spend no more money on alcohol, but a lot more money on Pellegrino. Every time I go to the grocery store (which is almost every day, as you know) I buy a couple bottles. Still cheaper than booze, I guess.
I don't know if anyone still reads this debt page, as I've been really terrible about updating it now that the credit card debt is gone. Well technically, it's not all gone. I still have about $500 of it on a Citibank card, but the APR is 1.9% for life, and I'm making more than that on interest in a bank account, so I just pay the minimum every month and hope for the best. Anyway, I thought I'd update it in case anyone stumbled upon this thing and wondered what was up.
We're still spending way too much money on food. We tend to do the whole grocery-shop-for-one-day thing, picking something up on the way home and wasting a fair amount of food. I'm not really sure what to do about that. Jason doesn't eat leftovers and I guess I would if I ate lunch. But isn't not eating leftovers for lunch and not eating lunch at all pretty much equivalent, money wise?
I bought ROTH IRAs for both Jason and me. I think we're behind in terms of retirement funds, considering all the unemployment and the short stints at various jobs. For some reason companies want you to work for them for a while before they'll start offering a 401k. Psh. But we're starting now, and it's better late than never, or so they tell me.
We're also trying to save up money to buy a house. Houses are freaking expensive! You could buy like ten to twenty couture dresses. What we're worrying about right now is a down payment and the right time to buy. Ever since we moved here, the housing market in Vegas has been declining, and it's always "You should wait six more months, you should wait nine more months." Which was always pretty much fine, cause we didn't have the money anyway. We still don't have the money for a down payment, but I'm starting to panic as I see all the money we're throwing away at rent every month. When we moved here, our rent was $934/mo, and in a year and a half it's increased to $1129/mo. It'd be nice to be building our equity rather than building someone else's. But that's at least a few months away.
In other news, Jason has quit drinking, and so I have too by proxy. We spend no more money on alcohol, but a lot more money on Pellegrino. Every time I go to the grocery store (which is almost every day, as you know) I buy a couple bottles. Still cheaper than booze, I guess.
I don't know if anyone still reads this debt page, as I've been really terrible about updating it now that the credit card debt is gone. Well technically, it's not all gone. I still have about $500 of it on a Citibank card, but the APR is 1.9% for life, and I'm making more than that on interest in a bank account, so I just pay the minimum every month and hope for the best. Anyway, I thought I'd update it in case anyone stumbled upon this thing and wondered what was up.
litter
So is there any drawback to having checking accounts littered all over the country? My checking accounts are kind of like my babies, and I've been through a lot with all of them. I can't bear to close them when I move to a different city. Is there any reason I should?
HAHA BOA!
So BoA has been charging me a service fee on my checking account because I haven't been working and therefore haven't been getting direct deposit into my account. I opened up a free checking account with them and was all prepared to move the money over (and give up my super cute checks that I have for that account) when I discovered that when you transfer money from paypal to your checking account, it considers it a direct deposit. SCORE! Now all I have to do is transfer ten bucks from paypal to my BoA checking account a month and I get to keep my account and my cute checks.
It's the little things, really.
It's the little things, really.
crap
I didn't work for over 30 days so no direct deposit into my bank account, which means a $6 fee.
Hope I work this month, at least for a day. Think I should go in and beg tomorrow?
Hope I work this month, at least for a day. Think I should go in and beg tomorrow?
credit score august 2006
823.
three months of updates
May 2, 2006: $4,650.00
May 11, 2006: $3,950.00
May 26, 2006: $2,700.00
June 1, 2006: $1,700.00
June 21, 2006: $650.00
Holding steady now at $630.00 because it's at a low 1.99% APR and I have other debts to pay off first, plus $772.00 on AmEx for the new couch (am using AmEx for new purchases because it's a rewards card and we get 0.5-1.5% cash back on all purchases).
Also, now that I've quit my job, the incredible flow of money has been cut dramatically. It's awesome that we paid off $4,000 in a month and a half but don't expect to see those kinds of numbers again. Like, ever. Yes, this is very sad.
May 11, 2006: $3,950.00
May 26, 2006: $2,700.00
June 1, 2006: $1,700.00
June 21, 2006: $650.00
Holding steady now at $630.00 because it's at a low 1.99% APR and I have other debts to pay off first, plus $772.00 on AmEx for the new couch (am using AmEx for new purchases because it's a rewards card and we get 0.5-1.5% cash back on all purchases).
Also, now that I've quit my job, the incredible flow of money has been cut dramatically. It's awesome that we paid off $4,000 in a month and a half but don't expect to see those kinds of numbers again. Like, ever. Yes, this is very sad.
debt be gone
very
nearly
done
no celebration
we're already so behind
but still
is it right to feel good about fixing something that shouldn't have been that way to begin with?
nearly
done
no celebration
we're already so behind
but still
is it right to feel good about fixing something that shouldn't have been that way to begin with?
update late april 2006
| AmEx: | ||
| BoA1: | ||
| Boa2: | ||
| CitiCard: |
total daily debt: $5,400.00
I want to quit my job but I can't, because I make an obnoxious amount of money. As you can see, dual income rules beyond belief.