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

Organized Home Challenge – Weeks 35 & 36

Posted by beachgirl on 09/14/2014

Week 35’s challenge was to organize the linen closet/cabinet.  When we moved, we got rid of any extra linens.  Now, we have two sets of towels for each of us, two sets of towels for guests, sheets/comforter on both our bed and a spare bed, and an extra set for an air mattress.  We keep the extra towels in a cabinet in our bedroom, and the extra bed stuff in a container under the bed.

Week 36’s challenge was to organize the master bedroom closet.  When we moved, we both got rid of some items that are in our closet (clothes, purses, etc.).  We each have our stuff hanging on a shelf in the closet.  We also have some less-often used items stacked on top of that same shelf.  D has a bin with drawers on the floor for some stuff that needs to be in a container but doesn’t fit elsewhere.  We also have an over-the-door unit that we use for sweaters and such (especially in the winter)…things that we will use multiple times before being washed, but don’t want to hang them back in with the clean clothes.

Posted in Organization | Leave a Comment »

August 2014: Top Referrers

Posted by beachgirl on 09/12/2014

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

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

Posted in Fellow Blogs | Leave a Comment »

Goals for September 2014

Posted by beachgirl on 09/08/2014

  • Have 12 “No Spend” days
  • Try 1 new recipe
  • Get all RSVPs
  • Assign all guests to tables
  • Get marriage license

Posted in Monthly Goals | Leave a Comment »

Goals for August 2014 – Recap

Posted by beachgirl on 09/06/2014

  • Have 12 “No Spend” daysSUCCESS!!  I ended up with 20.  Wow!
  • Try 1 new recipeSUCCESS!!  We tried “Unstuffed Cabbage Rolls,” which came out pretty good.  We also tried “Lentil Soup with Spinach,” which also came out pretty good.
  • Draft wedding vowsSUCCESS!!
  • Pay off D’s Law Loans ISUCCESS!!  We paid it off on 8/1.
  • Finish reading Game of Thrones: A Feast for CrowsSUCCESS!!  I finished it on 8/14.

Posted in Monthly Goals | Leave a Comment »

August 2014 Snowflaking

Posted by beachgirl on 09/04/2014

Savings for Wedding — Total: $46.36

  • $46.36 – Monthly savings

D’s Law Loan I — Total: $63.64

  • $63.64 – Monthly savings

D’s Law Loan H — Total: $887.89

  • $252.19 – Monthly savings
  • $367.00 – Tips from part time job
  • $176.38 – Earnings from part time job
  • $73.57 – Left over from cancelled flight (rest went into savings)
  • $3.00 – Pinecone earnings
  • $5.75 – Ibotta earnings
  • $10.00 – MySurvey earnings

Posted in Snowflake | Leave a Comment »

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 »

 
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