Beachgirl's Budget Blog

  • Referrals

    Capital One 360: Earn at least $25 for signing up
  • Debt-o-Meter (as of 9/1/14)

    Citicard Balance Transfer
    Current Balance: $1,733.00
    Interest Rate: 0% (til 2/15)
    Goal: Pay in full from savings by 1/31/2015
    Amount paid: $327.00
    15.9%
    Starting Balance: $2,060.00
    Saved in Full: 8/10/2014


    D's Law Loans I
    100%
    Starting Balance: $1,128.92
    Paid in Full: 8/1/2014


    D's Law Loans H
    Current Balance: $899.01
    Interest Rate: 7.9%
    Goal: Pay in full
    Amount paid: $887.89
    49.7%
    Starting Balance: $1,786.90


    D's Law Loans C
    Current Balance: $3,237.79
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    D's Law Loans G
    Current Balance: $3,805.74
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    D's Law Loans D
    Current Balance: $7,699.42
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


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


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


    D's Private Loan #1
    Current Balance: $5,752.48
    Interest Rate: 4.75%
    Goal: Pay minimum
    Amount paid: $5,264.06
    47.8%
    Starting Balance: $11,016.54


    D's Law Loans F
    Current Balance: $14,407.44
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    D's Private Loan #2
    Current Balance: $18,727.33
    Interest Rate: 3.41%
    Goal: Pay minimums
    Amount paid: $2,215.08
    10.6%
    Starting Balance: $20,942.41


    D's Law Loans B
    Current Balance: $38,437.05
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    My Law Loans
    Current Balance: $38,514.47
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    My Student Loan #1
    Current Balance: $11,345.06
    Interest Rate: 1.625%
    Goal: Pay minimum
    Amount paid: $2,853.68
    20.1%
    Starting Balance: $14,198.74


    My Student Loan #2
    Current Balance: $19,935.54
    Interest Rate: 1.625%
    Goal: Pay minimum
    Amount paid: $6,064.46
    23.3%
    Starting Balance: $26,000.00

My Net Worth: August 2014

Posted by beachgirl on 09/02/2014

Current Month:

  • Assets: $115,032.32
  • Liabilities: $69,795.07
  • Net Worth: $45,237.25

Change from previous month: +$675.44

Change since 12/31/2005: +$68,640.97

Posted in My Net Worth | Leave a Comment »

Organized Home Challenge – Weeks 33 & 34

Posted by beachgirl on 08/30/2014

Week 33’s challenge is to organize the basement.  We live in a condo, so we don’t have a basement.

Week 34’s challenge is to organize the homework and morning launchpad areas.  Right now, I’m the only one who goes into the office almost everyday (though I occasionally work from home).  Most of my stuff that I need each day is keep in one spot.  My laptop bag is put in one of the dining room chairs and my purse is slung over the back of the same chair.  Since I usually check my email and do some stuff on the computer in the morning, I don’t put my laptop in the bag until just before I leave; the same with my cell phone.  If I have anything else that I need to take with me for the day, it’s either already in the laptop bag or purse, or sitting by those items.  The only thing I keep in a different place is my lunch bag.  I keep that in the kitchen so that I can pack my lunch in the morning.  Once it’s packed, I put it by the rest of my stuff so that I don’t forget to take it with me.  I’ve pretty much used this system since I first started working back in 2003, and it’s worked well for me.

D works from home most days, with an occasional trip into the office when he needs to.  He has a small container that he puts his keys, wallet, sunglasses, etc. in when he gets home.  He keeps his work bag nearby so he can quickly grab everything when he needs to leave.

Posted in Organization | Leave a Comment »

Goals for 2014 – Status Update 2

Posted by beachgirl on 08/24/2014

At the beginning of the year, I listed several goals for 2014.  Now that more than half of the year is over, I wanted to do a quick status update to see how I’m doing.

1) Read 12 books — Passed!!  As of April, I’d already read 6 books.  I have since read 8 more.  I re-read Dan Brown’s The Lost Symbol and Stephenie Meyer’s Twilight, and then read the Orphan Train (highly recommended), two David Baldacci books (Divine Justice and Hell’s Corner), Dan Brown’s Inferno, Game of Thrones #4, and Steve Berry’s The Columbus Affair.

2) Pay for our wedding without going into debt — On Track!!

3) Stay on budget every month — On Track!!

4) Run in 5k — Off Track!!  I decided to not do this.

5) Make 1 new recipe a month — On Track!!  I’ve made several new recipes so far.  I’d previously made pizza in January, frittatas and baked fajitas in February, and Baked Tilapia in March.  Since then, I’ve made Balsamic Chicken in April, Orange Teriyaki Steak in May, Turkey & Veggie Penne in June, and Chorizo Rice Skillet in July.

6) Snowflake at least $500 to Savings — On Track!!  I’ve put $420.69 in so far.  Some of that was pay from the ball park, but most was from getting a refund from the airline for a cancelled flight.

Posted in Yearly Goals | Leave a Comment »

Organized Home Challenge – Weeks 31 & 32

Posted by beachgirl on 08/16/2014

Week 31’s challenge was to organize pet supplies.  We have two cats.  We already had a place for their litter boxes (and supplies) and for their food.  We did buy a bin to keep the extra food in (and protect the food from ants/bugs).  But other than that, we didn’t really do much.

Week 32’s challenge was to organize outdoor & garden storage areas.  We live in a condo and don’t have any outdoor space.  :-(  For the few things we have for the outdoors (lawn chairs, etc.) that we will use again once we have an outdoor space, we have in our storage room in the hall.  At our old place, all that stuff was in our regular closets or in other areas of the house.  It’s nice to have it out of the way from our daily lives, but still easily accessible.

Posted in Organization | 1 Comment »

Journey of being self-employed, part 3

Posted by beachgirl on 08/14/2014

Back in March, I posed two entries about being self-employed (you’ll find them here and here).  It’s been almost five months since then, so I wanted to do a follow-up post.

For myself, things have picked up pretty well.  I’ve been making enough to pay all of my business expenses and pay myself enough to cover my share of our bills.  I’m hoping things will continue as they are (and even pick up), but there’s no guarantee.  I’ve given my card to several people that I’ve met while working at the ballpark, so hopefully some of them will contact me to do wills for them.

D’s business is slowly growing.  He’s gotten some business, which has helped him pay some of his business expenses.  But it’s not picked up as much, so his parents are still helping him out.

I’ve applied to one job, but didn’t end up getting an interview (I didn’t have enough experience).  I’m hoping to apply for another job whenever it opens, but they place isn’t sure on the time frame of when they might actually be hiring someone.  I really like working for myself, but it’s scary not having a steady paycheck.

Posted in Law Firm | Leave a Comment »

July 2014: Top Referrers & Favorite Posts

Posted by beachgirl on 08/12/2014

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

  1. Blogging Away Debt
  2. Shaking the Money Tree
  3. The Debt Chronicles
  4. Rockstar Finance
  5. Sense to Dollars
  6. Windy City Blues to Bliss
  7. Downstairs and In Debt
  8. Sallie’s Niece
  9. Her Every Cent Counts
  10. Cents to Save

Additionally, here is one of my favorite posts from July:

Posted in Fellow Blogs | Leave a Comment »

Goals for August 2014

Posted by beachgirl on 08/10/2014

  • Have 12 “No Spend” days
  • Try 1 new recipe
  • Draft wedding vows
  • Pay off D’s Law Loans I
  • Finish reading Game of Thrones: A Feast for Crows

Posted in Monthly Goals | Leave a Comment »

Goals for July 2014 – Recap

Posted by beachgirl on 08/08/2014

  • Finish & mail invitationsSUCCESS!!  We’re starting to get RSVPs now.
  • Try 1 new recipeSUCCESS!!  We tried “Chorizo Rice Skillet” from Rachel Ray’s magazine.  It came out pretty good.
  • Have 12 “No Spend” days – SUCCESS!!  I had 13.
  • Attend hair trialSUCCESS!!  It came out great.
  • Create list of photos to have taken for weddingSUCCESS!!

Posted in Monthly Goals | Leave a Comment »

One student loan paid off…

Posted by beachgirl on 08/06/2014

On Aug. 1st, I made the final payment to one of D’s law school loans.  The payment officially posted on the 4th…so it’s now paid in full.  It feels so great to have that paid off.

(Edited to add…) It is amazing knowing we were able to pay this off in less than 2 months.  We made our first payment on 6/20 and our final payment on 8/1.  I only wish we could pay off the others as quickly, but it won’t happen now that my part-time job is about to end.

Nelnet I

Now, onto the next loan.

Posted in Debt Repayment, Monthly Goals | 2 Comments »

July 2014 Snowflaking

Posted by beachgirl on 08/04/2014

Savings for Wedding — Total: $226.74

  • $75.00 – Monthly savings
  • $25.00 – CapitalOne rewards
  • $20.00 – MySurvey
  • $3.00 – Pinecone
  • $98.60 – Left over from groceries in July
  • $5.14 – Interest earned

D’s Law Loan I — Total: $909.53

  • $390.00 – Tips from part time job
  • $233.20 – Earnings from part time job
  • $224.38 – Savings bonds
  • $7.96 – Left over from car taxes
  • $7.43 – Left over from groceries in June
  • $35.00 – Mystery shopping
  • $11.56 – Left over from fuel

Posted in Snowflake | Leave a Comment »

 
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