Beachgirl's Budget Blog

  • Referrals

    Capital One 360: Earn at least $25 for signing up
  • Debt-o-Meter (as of 8/1/14)

    Citicard Balance Transfer
    Current Balance: $1,769.00
    Interest Rate: 0% (til 2/15)
    Goal: Pay minimum & save to pay in full by 1/31/2015
    Amount paid: $291.00
    Amount saved: $1,686.64
    Total: $1,977.64
    96.0%
    Starting Balance: $2,060.00


    D's Law Loans I
    100%
    Starting Balance: $1,128.92


    D's Law Loans H
    Current Balance: $1,786.90
    Interest Rate: 7.9%
    Goal: Pay in full
    Amount paid: $0.00
    0
    Starting Balance: $1,786.90


    D's Law Loans C
    Current Balance: $3,235.76
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    D's Law Loans G
    Current Balance: $3,803.30
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    D's Law Loans D
    Current Balance: $7,694.55
    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: $5,821.39
    Interest Rate: 4.75%
    Goal: Pay minimum
    Amount paid: $5,049.83
    47.2%
    Starting Balance: $11,016.54


    D's Law Loans F
    Current Balance: $14,328.62
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    D's Private Loan #2
    Current Balance: $18,810.35
    Interest Rate: 3.41%
    Goal: Pay minimums
    Amount paid: $2,116.62
    10.2%
    Starting Balance: $20,942.41


    D's Law Loans B
    Current Balance: $38,226.77
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    My Law Loans
    Current Balance: $38,350.34
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    My Student Loan #1
    Current Balance: $11,396.92
    Interest Rate: 1.625%
    Goal: Pay minimum
    Amount paid: $2,697.80
    19.7%
    Starting Balance: $14,198.74


    My Student Loan #2
    Current Balance: $20,026.59
    Interest Rate: 1.625%
    Goal: Pay minimum
    Amount paid: $5,790.79
    23.0%
    Starting Balance: $26,000.00

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 »

My Net Worth: July 2014

Posted by beachgirl on 08/02/2014

Current Month:

  • Assets: $114,335.66
  • Liabilities: $69,773.85
  • Net Worth: $44,561.81

Change from previous month: -$1,703.99

Change since 12/31/2005: +$67,965.53

Posted in My Net Worth | Leave a Comment »

Organized Home Challenge – Weeks 29 & 30

Posted by beachgirl on 07/30/2014

Week 29’s challenge was to organize your crafts.  Other than the crafts related to the wedding, I don’t really do any crafts.  For the wedding stuff, we have everything in boxes or bags, which are all kept in the spare bedroom closet.  Over the next couple months, we’ll be working on putting everything together.  We’ll try to keep it well organized.  And, hopefully after the wedding, we’ll be able to get rid of everything (either through selling, donating, recycling, or throwing it away).

Week 30’s challenge was to organize your car.  In the main compartment of my car, I only keep things that I use regularly (CDs) or would need in certain situations (insurance & registration info, flashlight, umbrella).  Anything else only goes into the car for a brief period of time and then is removed again.  As for the trunk, I keep a few blankets, jumper cables, extra fluids for the car, and an ice scraper (which gets moved to the main compartment in the winter).

Posted in Organization | 1 Comment »

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 »

 
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