Beachgirl's Budget Blog

  • Referrals

    Capital One 360: Earn at least $25 for signing up
  • Debt-o-Meter (as of 10/24/14)

    Citicard Balance Transfer
    Current Balance: $1,703.00
    Interest Rate: 0% (til 2/15)
    Goal: Pay in full from savings by 1/31/2015
    Amount paid: $357.00
    17.3%
    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
    100%
    Starting Balance: $1,786.90
    Paid in Full: 10/24/2014


    D's Law Loans C
    Current Balance: $3,254.42
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    D's Law Loans G
    Current Balance: $3,825.71
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    D's Law Loans D
    Current Balance: $7,739.34
    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: $5,685.55
    Interest Rate: 4.75%
    Goal: Pay minimum
    Amount paid: $5,330.99
    48.4%
    Starting Balance: $11,016.54


    D's Law Loans F
    Current Balance: $14,483.83
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    D's Private Loan #2
    Current Balance: $18,639.75
    Interest Rate: 3.41%
    Goal: Pay minimums
    Amount paid: $2,302.66
    11.0%
    Starting Balance: $20,942.41


    D's Law Loans B
    Current Balance: $38,640.83
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    My Law Loans
    Current Balance: $38,673.29
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0


    My Student Loan #1
    Current Balance: $11,292.62
    Interest Rate: 1.625%
    Goal: Pay minimum
    Amount paid: $2,906.12
    20.5%
    Starting Balance: $14,198.74


    My Student Loan #2
    Current Balance: $19,843.49
    Interest Rate: 1.625%
    Goal: Pay minimum
    Amount paid: $6,156.51
    23.7%
    Starting Balance: $26,000.00

Another student loan bites the dust

Posted by beachgirl on 10/30/2014

On Oct. 24th, we made the final payment on another of D’s law school loans.  The first payment towards the loan was on Aug. 7th, so it took two and a half months to pay it off.  Not bad.

Student Loan

Posted in Debt Repayment | 1 Comment »

I’m married!

Posted by beachgirl on 10/28/2014

D and I were married on Sunday afternoon.  Everything went smoothly and we had a lot of fun.

Saturday evening, we had our rehearsal and rehearsal dinner.  D’s parents hosted it at the house they rented for the weekend.  Lots of family and friends were invited, and it was great catching up with everyone.  We went to bed about 10:00.  My alarm was set for 6:45, but one of my cats woke me up at 6:15 and I couldn’t fall back to sleep.

My hair stylist showed up at 7:45 to get her stuff set up.  My hair took about an hour, and the other stylist worked on my maid of honor’s hair.  After our hair was done, the stylists worked on my mom’s hair and makeup and D’s mom’s hair, and we worked on our makeup.  Then, it was time to put on the dress.  After a few pictures, it was time to head out for our first look.

I met D at a lake to do our first look pictures.  I walked up behind him and he turned around to see me for the first time.  He told me how beautiful I looked.  Then we did a bunch of pictures around the lake.  We then headed downtown to do pictures with our families.  After those, it was then time to head to the venue for the ceremony.

There ceremony was beautiful.  We wrote the whole thing ourselves.  After the ceremony, everyone kept telling us how unique and beautiful it was.  After the reception, D and I relaxed for a bit and grabbed some dinner (the reception meal was at about 2).  We then headed to a local bar for an after party.  About 20 people showed up and we had fun catching up with everyone even more.  By the time we got home and got to bed, it was about 1:00.  The cats woke me up about 6:45, so I didn’t get a lot of sleep.

Yesterday, we did a lot of errands.  In the afternoon and evening, I finally got to relax (which was much needed).  I ended up going to bed about 9:30 and slept until about 7:30.  Definitely much needed.

I’m going to post about the cost of the wedding in the future once all expenses are paid.  But, it looks like we should come in under $10,000.

Posted in Misc | 3 Comments »

One Week til I Get Married

Posted by beachgirl on 10/19/2014

I am getting married in exactly one week.  It’s hard to believe it’s so close.  We are so excited.  But we also have a number of things to do.  Luckily, we’ve stayed pretty on top of our to-do list, so it’s pretty manageable.  Mostly just stuff we can’t do until last minute.

Posted in Misc | 1 Comment »

Organized Home Challenge – Weeks 39 & 40

Posted by beachgirl on 10/12/2014

Week 39’s challenge was to organize the garage, while week 40’s challenge was to organize the attic.  We don’t have a garage or an attic, so there wasn’t anything for us to do.  Sorry!

Posted in Organization | Leave a Comment »

September 2014: Top Referrers

Posted by beachgirl on 10/10/2014

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

  1. Blogging Away Debt
  2. Rockstar Finance
  3. Shaking the Money Tree
  4. The Debt Chronicles
  5. Sallie’s Niece
  6. Sense
  7. Windy City Blues to Bliss
  8. Shtinkykat’s PF Blog
  9. Modest Money
  10. Money Saving Guide

Posted in Fellow Blogs | Leave a Comment »

Goals for October 2014

Posted by beachgirl on 10/08/2014

  • Have 14 “No Spend” Days
  • Try 1 new recipe
  • Print programs
  • Make & buy desserts for wedding
  • Create escort board
  • Get married

Posted in Monthly Goals | Leave a Comment »

Goals for September 2014 – Recap

Posted by beachgirl on 10/06/2014

  • Have 12 “No Spend” daysSUCCESS!!  I had 19.
  • Try 1 new recipeSUCCESS!!  We tried 2 new recipes: Crunchy Asian Salad and Snap Pea & Mushroom Saute.
  • Get all RSVPs - SUCCESS!!
  • Assign all guests to tablesSUCCESS!!
  • Get marriage licenseSUCCESS!!

Posted in Monthly Goals | Leave a Comment »

Happy Birthday to Me!

Posted by beachgirl on 10/05/2014

Today is my 34th birthday!  And only 3 weeks til I get married.  October is going to be a great month.

Posted in Misc | 2 Comments »

September 2014 Snowflaking

Posted by beachgirl on 10/04/2014

D’s Law Loan H — Total: $664.24

  • $54.05 – Left over from groceries (Aug)
  • $338.00 – Tips
  • $9.00 – Pinecone earnings
  • $5.06 – Interest earned
  • $140.00 – Monthly
  • $1.10 – Left over from cell phone
  • $6.31 – Left over from massage
  • $10.00 – MySurvey.com earnings
  • $102.72 – Left over from groceries (Sept)

Posted in Snowflake | Leave a Comment »

My Net Worth: September 2014

Posted by beachgirl on 10/02/2014

Current Month:

  • Assets: $111,589.51
  • Liabilities: $69,809.40
  • Net Worth: $41,780.11

Change from previous month: -$3,457.14

Change since 12/31/2005: +$65,183.83

Posted in My Net Worth | Leave a Comment »

 
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