Beachgirl's Budget Blog

  • Referrals

    Capital One 360: Earn at least $25 for signing up
  • Debt-o-Meter (as of 7/1/14)

    Citicard Balance Transfer
    Balance: $1,800.00
    Interest Rate: 0% (til 2/15)
    Goal: Pay minimum & save to pay in full by 1/31/2015
    Amount paid: $260.00
    Amount saved: $1,459.90
    Total: $1,719.90
    83.4%
    Original Amount: $2,060.00


    D's Law Loans I
    Balance: $970.63
    Interest Rate: 7.9%
    Goal: Pay off by Jan. 2015
    Amount paid: $29.37
    2.9%
    Original Amount: $1,000.00


    D's Law Loans H
    Balance: $1,775.72
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $1,500.00


    D's Law Loans C
    Balance: $3,216.65
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $2,564.00


    D's Law Loans G
    Balance: $3,780.37
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $3,077.00


    D's Law Loans D
    Balance: $7,648.69
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $6,153.00


    D's Law Loans A
    Balance: $8,517.40
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $8,500.00


    D's Law Loans E
    Balance: $8,517.40
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $8,500.00


    D's Private Loan #1
    Balance: $5,892.52
    Interest Rate: 4.75%
    Goal: Pay minimum
    Amount paid: $5,049.83
    46.5%
    Original Amount: $11,016.54


    D's Law Loans F
    Balance: $14,249.68
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $12,000.00


    D's Private Loan #2
    Balance: $18,889.79
    Interest Rate: 3.66%
    Goal: Pay minimums
    Amount paid: $2,116.62
    9.8%
    Original Amount: $20,942.41


    D's Law Loans B
    Balance: $38,016.15
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $32,500.00


    My Law Loans
    Balance: $38,186.23
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $34,500.00


    My Student Loan #1
    Balance: $11,448.71
    Interest Rate: 1.625%
    Goal: Pay minimum
    Amount paid: $2,697.80
    19.4%
    Original Amount: $14,198.74


    My Student Loan #2
    Balance: $20,117.52
    Interest Rate: 1.625%
    Goal: Pay minimum
    Amount paid: $5,790.79
    22.6%
    Original Amount: $26,000.00

Organized Home Challenge – Week 28

Posted by beachgirl on 07/20/2014

Week 28′s challenge was to organize your photos.  For older photos, years ago I digitized all of the pictures I had in my photo albums and got rid of any photos I didn’t like or want.  Then, I created a couple photobooks out of them using a company called Blurb.  (I’ve also used Shutterfly for other photobook projects and really like them as well.)  The first one I did was for my years in college.  Then I created one from a little before my birth until I left for college.  It was a lot of work, but it was well worth it.  And I much prefer pulling out the photobook to look at than a photo album.  My mom really like how the photobooks turned out, so I’ve created several for her as well.

For more recent photos, I take digitial pictures and rarely have a physical photo to deal with.  Until I create another photobook, I keep the photos on my computer (by year and then month, and sometimes by event if I have a lot of photos from one event).  Now that I’m getting married, I plan to create a photobook from after college until I get married.  I’ll also create one after the wedding with all of our wedding photos.

Posted in Organization | Leave a Comment »

Wedding: Invitations done

Posted by beachgirl on 07/16/2014

We are finally finished with our invitations and they are all in the mail (or hand-delivered).  My aunt drew the tree and then I scanned it and put it into a word document.  They came out great.  Our invitations include the actual invitation, an enclosure card, and the main envelope.  We’re doing our RSVPs online, via email, or via phone, so we didn’t spend money on a RSVP card and stamps.  Here’s a picture of the invitation (sorry for the blurring out of our info):

Invitation

Here’s the breakdown on cost:

  • Ivory card stock: $.03 per Invitation
  • Ivory card stock: $.02 per Enclosure card
  • Brown card stock: $.04 per Invitation
  • Envelopes: $.10 per Invitation
  • Color printing: $.32 per Invitation
  • Squares to stick paper together: $.03 per Save the Date

Total: $.54 per Invitation (without cost of postage)

With postage included, the breakdown is:

  • International (4): $.54 + $1.15 = $1.69 each
  • USA (5): $.54 + $.46 = $1.00 each
  • USA (80): $.54 + $.49 = $1.03 each
  • Hand-delivered (2): $.54 each

Total for all Invitations: $95.24

 

Posted in Wedding Planning | 3 Comments »

June 2014: Top Referrers

Posted by beachgirl on 07/14/2014

A huge shout out to everyone who reads this blog and links to it on their blog, especially the top ten referrers for June:

  1. Blogging Away Debt
  2. Shaking the Money Tree
  3. The Debt Chronicles
  4. The Budgeting Babe
  5. Sense
  6. Windy City Blues to Bliss
  7. Downstairs and In Debt
  8. MoneySavingGuide.com
  9. Her Every Cent Counts
  10. Rainy-Day Saver

Posted in Fellow Blogs | Leave a Comment »

Organized Home Challenge – Week 27

Posted by beachgirl on 07/12/2014

Week 27′s challenge was to organize your CD and DVD collections.  We already had these pretty organized.

For DVDs, most of them are still in their boxes.  We keep these in our entertainment center, listed alphabetically.  A few of D’s movies aren’t in boxes.  We keep those in a CD/DVD case and keep that in our entertainment center as well.  We don’t have any VHS tapes anymore.  I got rid of my VCR several years ago, so I also got rid of any tapes I had as well.  And many years ago, I converted some home movies from tape to digital, so now I can watch them on DVD.

For CDs, D keeps most of his in a CD case that is kept in his car (where he listens to them).  For me, I transferred most of my CDs to digital and got rid of most of the CDs (other than the ones I keep in my car).

Posted in Organization | Leave a Comment »

Goals for July 2014

Posted by beachgirl on 07/10/2014

  • Finish & mail invitations
  • Try 1 new recipe
  • Have 12 “No Spend” days
  • Attend hair trial
  • Create list of photos to have taken for wedding

Posted in Monthly Goals | Leave a Comment »

Goals for June 2014 – Recap

Posted by beachgirl on 07/08/2014

  • Snowflake to Wedding fund at least $100SUCCESS!!  We snowflaked $240.99.
  • Have 12 “No Spend” days - SUCCESS!! Ended up with 13.
  • Get wedding dress alteredSUCCESS!!
  • Schedule hair trial - SUCCESS!!
  • Print & finalize wedding invitations - SUCCESS!!  We just have to finish cutting them, put them together, and then mail them.
  • Read 1 book - SUCCESS!!  I re-read “Twilight” by Stephenie Meyer and read “Inferno” by Dan Brown.
  • Make 1 new recipe - SUCCESS!!  We made Turkey & Veggie Penne.

Posted in Monthly Goals | Leave a Comment »

Organized Home Challenge – Week 26

Posted by beachgirl on 07/06/2014

Week 26′s challenge was to organize books.  Step one was to sell/donate any unwanted books.  Before we moved, we each pulled out several books we no longer wanted.  We sold the ones we could at a yard sale, and donated the rest.  Now, we mostly just have the books that we want to keep (which, for me, is books I would read more than once).

Step two is to organize the remaining books in a logical manner.  We have a eight-cube shelf in our dining room.  We had some empty shelves, so we each took some of our hard cover books and put them out there.  The rest, we have on two bookshelves in our spare bedroom.  For my books, I keep them organized by author (and then chronologically by release date within an author).  They’re also organized by height since the top two shelves are shorter than the bottom shelf.

Posted in Organization | Leave a Comment »

June 2014 Snowflaking

Posted by beachgirl on 07/04/2014

Savings for Wedding — Total: $240.99

  • $30.00 earnings from MySurvey.com
  • $6.00 earnings from Pinecone
  • $200.00 Security Deposit refund
  • $4.99 Interest earned

D’s Law Loan I — Total: $158.29

  • $158.29 tips from part-time job (*most of this went towards accrued interest; only $29.37 went towards principal)

Since we are so close to having enough money to pay off the Citibank card and we have many months left until it has to be paid before interest starts accruing, we decided to start putting money towards D’s law school loans.  Up first was the loan with the smallest balance at the highest interest rate (7.9%).  We’re hoping to have it paid off before the end of the year.

Posted in Snowflake | 1 Comment »

My Net Worth: June 2014

Posted by beachgirl on 07/02/2014

Current Month:

  • Assets: $116,018.26
  • Liabilities: $69,752.46
  • Net Worth: $46,265.80

Change from previous month: +$1,752.31

Change since 12/31/2005: +$69,669.52

Posted in My Net Worth | Leave a Comment »

Organized Home Challenge – Week 25

Posted by beachgirl on 06/28/2014

Week 25′s challenge was to organize purses, handbags, and wallets.  This task was completed a long time ago.  Many years ago, I just kept my extra purses (for special occasions, etc.) up on a shelf or on the floor.  But this was messy, so I bought a purse organizer from Bed, Bath & Beyond.  It hangs from the rod in my closet and has several loops with velcro on them.  You put the loop through the straps of a purse and velcro the ends together so that the purse hangs down from it.  It makes it really easy to see each of my purses and keeps them off of the floor.  I use one purse on a daily basis, which is kept by the front door.  I only keep the things I need for that day in it, such as keys, wallet, etc.  I empty out anything I don’t need regularly so that it doesn’t get disorganized.  D only has one wallet, the one he uses, so that is easy to manage.

Posted in Organization | Leave a Comment »

 
Follow

Get every new post delivered to your Inbox.

Join 33 other followers