Beachgirl's Budget Blog

  • Referrals

    Capital One 360: Earn at least $25 for signing up
  • Debt-o-Meter (as of 4/1/14)

    Citicard Balance Transfer
    Balance: $1,921.00
    Interest Rate: 0% (til 2/15)
    Goal: Pay minimum & save to pay in full by 1/31/2015
    Amount paid: $139.00
    Amount saved: $760.02
    Total: $899.02
    43.6%
    Original Amount: $2,060.00


    D's Law Loans I
    Balance: $1,114.79
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $1,000.00


    D's Law Loans H
    Balance: $1,742.90
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $1,500.00


    D's Law Loans C
    Balance: $3,160.55
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $2,564.00


    D's Law Loans G
    Balance: $3,713.05
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $3,077.00


    D's Law Loans D
    Balance: $7,514.07
    Interest Rate: 7.9%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $6,153.00


    D's Law Loans A
    Balance: $8,517.40
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $8,500.00


    D's Law Loans E
    Balance: $8,517.40
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $8,500.00


    D's Private Loan #1
    Balance: $6,235.13
    Interest Rate: 4.75%
    Goal: Pay minimum
    Amount paid: $4,714.02
    43.4%
    Original Amount: $11,016.54


    D's Law Loans F
    Balance: $14,017.93
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $12,000.00


    D's Private Loan #2
    Balance: $18,978.03
    Interest Rate: 3.66%
    Goal: Pay minimums
    Amount paid: $1,915.14
    9.4%
    Original Amount: $20,942.41


    D's Law Loans B
    Balance: $37,397.87
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $32,500.00


    My Law Loans
    Balance: $37,704.46
    Interest Rate: 6.8%
    Goal: $0 due based on IBR
    Amount paid: $0.00
    0
    Original Amount: $34,500.00


    My Student Loan #1
    Balance: $11,604.67
    Interest Rate: 1.625%
    Goal: Pay minimum
    Amount paid: $2,542.57
    18.3%
    Original Amount: $14,198.74


    My Student Loan #2
    Balance: $20,391.32
    Interest Rate: 1.625%
    Goal: Pay minimum
    Amount paid: $5,518.26
    21.6%
    Original Amount: $26,000.00

You Need a Budget is free for college students

Posted by beachgirl on 04/16/2014

I’ve been using You Need a Budget (YNAB) for just over a year now.  I really wish I had found it sooner and that it was available when I was in college.  One of the hard parts about being a college student is that you often don’t have regular income.  Instead, you might be living off of loans or other forms of occasional income.  One advantage of YNAB is that it’s easy to use with irregular income.  Many support topics on their website (including forums posts by actual users) that discuss how to use YNAB while in college.

In order to help college students, the makers of YNAB are offering their program free to college students.  You simply need to email them with proof of being enrolled in college, and then they will provide you with a license key good for the calendar year.  Each year, you can send another email to obtain another license key for the next calendar year.  If you’re interested in obtaining YNAB for free, click here.  And for anyone not in college who wishes to sign up for YNAB, if you click here you’ll get $6 off (after the 30-day trial) and I’ll get $6.

Posted in Money Saving Tips | Leave a Comment »

2010 Flashback: Kitty Update

Posted by beachgirl on 04/14/2014

If you’ve been reading my blog for a long time, you might remember that we found a stray kitty under my car back in 2010.  We were able to catch her, but she was really sick.  For a period, we weren’t sure if she was going to make it.  But then, she started getting better.  (Click here, here, here, here, here, here, and here for my posts about the kitty.)

Well, it’s been almost 4 years, and she’s doing great.  My mom decided to keep her and she’s grown so big.  I wanted to share a picture of what she looks like now.  It’s hard to believe it’s the same cat.  Here’s two pictures from when we first found her:

2010_Kitty06  2010_Kitty13

And here’s a picture of here more recently:

DSCN7815

Posted in Misc | 1 Comment »

Free E-Book (Today Only): Dave Ramsey’s Complete Guide to Money

Posted by beachgirl on 04/13/2014

I was perusing through Feedly today and saw on Blogging Away Debt about Dave Ramsey’s e-book “Complete Guide to Money” being available for free today only.  So, I went to the site and signing up for it.  I received it via email shortly thereafter.  It can be downloaded in three versions: ePub (for iBook and Nook), Mobi (for Kindle), and PDF.  It’s over 350 pages long, so it’ll take a little bit to read through it all.  But I always appreciate a free book about personal finance.

To get your copy, click here.

Posted in Uncategorized | 2 Comments »

Goals for 2014 – Status Update 1

Posted by beachgirl on 04/12/2014

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

1) Read 12 books — On Track!!  I’ve read 6 books so far this year.  I re-read Game of Thrones #3, and then read Life of Pi, three David Baldacci books (The Camel Club, The Collectors, and Stone Cold), and Dave Ramsey’s Total Money Makeover.  And, on a positive note, I believe I got all of these books for free either as gifts or from the library, so I didn’t spend a dime on them.

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 made pizza in January, frittatas and baked fajitas in February, and Baked Tilapia in March.

6) Snowflake at least $500 to Savings — Off Track!!  Depending on how things go with work, I’m not sure this will happen.  But we’ll see.

Posted in Yearly Goals | Leave a Comment »

March 2014: Top Referrers & Favorite Posts

Posted by beachgirl on 04/10/2014

Many moons ago, I used to list the top 10 referrers to my blog.  Because I always appreciate my readers and those who list my blog on their site, I wanted to start that practice back up.  So, without further ado, here are the top ten referrers for March:

  1. Blogging Away Debt
  2. Rock Star Finance
  3. Shaking the Money Tree
  4. The Budgeting Babe
  5. The Debt Chronicles
  6. Sense to Dollars
  7. Sallie’s Niece
  8. Free Money Minute
  9. Modest Money
  10. Mintly: Our Journey Through Debt

Additionally, here are a few of my favorite posts from March:

Posted in Fellow Blogs | 1 Comment »

Goals for April 2014

Posted by beachgirl on 04/08/2014

  • Snowflake to Wedding fund at least $100
  • Have 12 “No Spend” days
  • Make 1 new recipe
  • Buy wedding rings
  • Read 1 book

Posted in Monthly Goals | Leave a Comment »

Goals for March 2014 – Recap

Posted by beachgirl on 04/06/2014

  • Snowflake to Savings at least $15SUCCESS!!  I snowflaked $51.11.
  • Snowflake to Wedding fund at least $75SUCCESS!!  We snowflaked $308.27.
  • Finish deciding our wedding songsSUCCESS!!  We’ve figured out all of our songs.  Yeah!
  • Look at wedding ringsSUCCESS!!  We looked on 3/15 at a couple stores at the mall.  We mostly wanted to see what we liked and didn’t like.  We plan to order/buy them in the next month or two.

Posted in Monthly Goals | Leave a Comment »

Organized Home Challenge – Week 13

Posted by beachgirl on 04/05/2014

This week’s challenge was to organize files.  I already have a system in place, so I didn’t really do anything.  I have a file cabinet for documents that I need to keep in physical form.  I go through them periodically and purge anything I no longer need.  I keep electronic copies of anything I need to keep but don’t need the physical document.  I use Evernote to store these documents.

Posted in Organization | Leave a Comment »

March 2014 Snowflaking

Posted by beachgirl on 04/04/2014

Regular Savings — Total: $51.11

  • $50.75 earned from selling Tivo
  • $.36 Interest earned

Savings for Wedding — Total: $308.27

  • $85.00 Monthly savings
  • $9.00 earned from Pinecone
  • $10.00 earned from MySurvey.com
  • $35.00 earned from Mystery shopping
  • $60.00 earned from selling sofa
  • $100.00 gift
  • $4.53 left over from groceries
  • $4.74 Interest earned

Posted in Snowflake | Leave a Comment »

My Net Worth: March 2014

Posted by beachgirl on 04/02/2014

Current Month:

  • Assets: $114,098.41
  • Liabilities: $69,700.45
  • Net Worth: $44,397.96

Change from previous month: +$733.95

Change since 12/31/2005: +$67,801.68

Posted in My Net Worth | Leave a Comment »

 
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