Emergency Fund: $6,203.20
Checking: $98.00
ING Funds (total): $1,201.98
Roth IRA: $4,207.89 (Out of the $4,500 I've invested so far)
401k: $496.14 (Total loss of $23.06)
Prosper: $3.06 (out of $100 in loans)
Sharebuilder: $41.86
____________
Total Positive: $12,252.13
Rent: Paid
Phone: $50.00
Credit card: $2,089.77
Student Loan I: $13,302.57
Student Loan II: $599.08
____________
Total Negative: $16,041.22
Net Worth: -$3,789.09
Monday, July 28, 2008
Thursday, July 24, 2008
Fudge.
Still holding at -18.0 lbs. I didn't budge this week, not even an ounce.
And it's official, I'm visiting my hometown in 3 weeks. As I said before, I'd like to lose more weight before I see my parents, and at this point, even a little would do.
Oh, and I have a new hobby...
.
..
...
which I will divulge as soon as I've taken some pictures. Ciao!
And it's official, I'm visiting my hometown in 3 weeks. As I said before, I'd like to lose more weight before I see my parents, and at this point, even a little would do.
Oh, and I have a new hobby...
.
..
...
which I will divulge as soon as I've taken some pictures. Ciao!
Thursday, July 17, 2008
Got to keep on movin'
I finally got my deposit back (+$50 in interest) from my old landlord. This sucker's going right into savings.
Also, I lost 2 lbs. this past week, so I'm officially back in the saddle, with a total loss of 18 lbs. since I started losing at the end of May...and 30 lbs. since last summer!!
Also, I lost 2 lbs. this past week, so I'm officially back in the saddle, with a total loss of 18 lbs. since I started losing at the end of May...and 30 lbs. since last summer!!
Monday, July 14, 2008
Spending Time, Spending Money
I haven't done a post recently because of all my non-progress in my finances and my weight. Let me explain.
We are still in the process of buying furnishings for the new apartment, so my savings rate is flat. It's really sad, because I had planned to get my emergency fund back up to $6k by now. I'm losing $100 here, $400 there, and with my large rent bill every month, it's hard to gain footing. Luckily, August is a 3-paycheck month, so I can do a little catching up with some careful planning.
Speaking of careful planning, I am contributing like mad to my Roth IRA, but only because I've been attempting to time the market. I know it's stupid, but I see a low price, and say to myself, "even though I've already made my purchase for this month, I'm sure this is the lowest the price will go, so I better get while the gettin's good." Then, I invest $250, and the price drops $0.30. Rinse, repeat! Thank goodness there's a ceiling to how much you can invest in one year, or I might play this game until my bank account is empty!
My other large expense, as I've discussed before, is my weight-loss program. However, in recent weeks, I have not been doing well. 2 weeks ago, I only lost 1 pound. Last week, I gained 0.5 lbs. Not a big deal, I know, but it stresses me out and only exacerbates the problem. Obviously I've hit a plateau for a couple reasons: (i) I haven't been getting in much physical activity, and (ii) I've become more comfortable and much less compliant with the diet. At this point, I can't afford any allowances. I've come so far, and I can't stop now. I think I'll take a walk at lunch today...
We are still in the process of buying furnishings for the new apartment, so my savings rate is flat. It's really sad, because I had planned to get my emergency fund back up to $6k by now. I'm losing $100 here, $400 there, and with my large rent bill every month, it's hard to gain footing. Luckily, August is a 3-paycheck month, so I can do a little catching up with some careful planning.
Speaking of careful planning, I am contributing like mad to my Roth IRA, but only because I've been attempting to time the market. I know it's stupid, but I see a low price, and say to myself, "even though I've already made my purchase for this month, I'm sure this is the lowest the price will go, so I better get while the gettin's good." Then, I invest $250, and the price drops $0.30. Rinse, repeat! Thank goodness there's a ceiling to how much you can invest in one year, or I might play this game until my bank account is empty!
My other large expense, as I've discussed before, is my weight-loss program. However, in recent weeks, I have not been doing well. 2 weeks ago, I only lost 1 pound. Last week, I gained 0.5 lbs. Not a big deal, I know, but it stresses me out and only exacerbates the problem. Obviously I've hit a plateau for a couple reasons: (i) I haven't been getting in much physical activity, and (ii) I've become more comfortable and much less compliant with the diet. At this point, I can't afford any allowances. I've come so far, and I can't stop now. I think I'll take a walk at lunch today...
Monday, July 7, 2008
July Net Worth
Emergency Fund: $5,355.85
Checking: $389.95
ING Funds (total): $1,286.61*
Roth IRA: $3,699.15 (Out of the $4,000 I've invested so far)
401k: $393.45 (Total loss of $22.01)
Prosper: $1.24 (I've given $100 in loans, this is what has been paid back so far)
Sharebuilder: $41.69
____________
Total Positive: $11,167.94
Rent: Paid
Phone: $50.00
Credit card: $619.86
Student Loan I: $13,549.08
Student Loan II: $789.33
____________
Total Negative: $15,008.27
Net Worth: -$3,840.33
*This includes the $50.00 Sharebuilder bonus I just received, and $20.00 in ING referrals!
Checking: $389.95
ING Funds (total): $1,286.61*
Roth IRA: $3,699.15 (Out of the $4,000 I've invested so far)
401k: $393.45 (Total loss of $22.01)
Prosper: $1.24 (I've given $100 in loans, this is what has been paid back so far)
Sharebuilder: $41.69
____________
Total Positive: $11,167.94
Rent: Paid
Phone: $50.00
Credit card: $619.86
Student Loan I: $13,549.08
Student Loan II: $789.33
____________
Total Negative: $15,008.27
Net Worth: -$3,840.33
*This includes the $50.00 Sharebuilder bonus I just received, and $20.00 in ING referrals!
Sunday, July 6, 2008
Bottle up and Explode
I hope everyone had a great holiday weekend. The past week and a half has been not so wonderful. I'm having a greater than normal number of health problems lately, and I think I've let the stress get to me in the following ways:
- I went shopping... at Banana Republic. Granted, I hadn't bought new clothes in maybe a year, but I should lose about 5-8 more pounds before I go blowing my money anywhere, let alone BR.
- I only lost a pound this past week (total: 16.5 in 6 weeks). I've let my diet slip, and I keep making allowances, which only lead to more allowances. Case in point: I had gummy candy for lunch and a feast of bread and butter for dinner tonight. Ugh.
- My fingers are raw from biting. I've covered 8 of them in band-aids.
Back to work tomorrow, which is a huge bummer, but at least it'll give my day some structure.
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