Beachgirl's Budget Blog

  • Referrals

    Capital One 360: Earn at least $25 for signing up
  • Debt-o-Meter (as of 10/1/14)

    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
    Current Balance: $235.48
    Interest Rate: 7.9%
    Goal: Pay in full
    Amount paid: $1,551.42
    86.8%
    Starting Balance: $1,786.90


    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

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 »

Organized Home Challenge – Weeks 37 & 38

Posted by beachgirl on 09/29/2014

Week 37’s challenge was to organize your outgrown and seasonal clothing storage.  I didn’t really do anything for this challenge.  I got rid of anything I no longer wear when we moved, and luckily I don’t really outgrow anything anymore (and I’m hoping to keep it that way).  I also don’t really delineate between clothes by season.  So, on to the next challenge.

Week 38’s challenge was to organize the bedroom.  We don’t really use our master bedroom for much beyond sleeping.  We don’t watch t.v. or read in there.  So, it didn’t require any organizing.  Our spare bedroom has more functions, but was already pretty organized from when we moved.  We have bookshelves with books, D keeps his musical instruments there, we use it for some storage (in the closet and under the bed), and it is also currently storing wedding stuff.  Once the wedding is over, we’ll be able to get rid of a bunch of stuff and make the closet more organized (though it’s not too bad right now).

Posted in Organization | Leave a Comment »

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 | 1 Comment »

 
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