"Secret skimping is out, like false bosoms." - Marjorie Hillis, Orchids on Your Budget, 1937.

Tuesday, November 1, 2011

November 2011 Net Worth


Emergency Fund: $5,999.44
Checking: $416.96
Travel: $336.56
Medical/Dental: $586.98

School: $352.28
Roth IRA: $8,916.43
401k: $6,862.70
Sharebuilder: $197.09
____________
Total Positive: $23,668.44


Rent: $250.00
Groceries/Utilities: $200.00
Phone: $60.00
Subway: $PAID
Credit cards: $582.24
Student Loan: $4,783.58 (from over $19k)
____________
Total Negative: $5,875.82


Net Worth: $17,792.62



I made a lot of extra money this month by selling off a lot of pieces I found stagnating in my jewelry box and closet -- about $760.00 worth.  After ebay and paypal fees, plus a couple small refunds, that's still over $600 or so right into my E-Fund.  Work is crazy right now, so more later!

Thursday, October 6, 2011

October 2011 Net Worth

Emergency Fund: $4,853.68
Checking: $206.74
Travel: $301.27
Medical/Dental: $486.57
School: $131.11
Roth IRA: $8,365.13
401k: $6,310.79
Sharebuilder: $202.00
____________
Total Positive: $20,857.29


Rent: $PAID
Groceries/Utilities: $100.00
Phone: $PAID
Subway: $PAID
Credit cards: $334.85
Student Loan: $4,895.01 (from over $19k)
____________
Total Negative: $5,329.86


Net Worth: $15,527.43

I'm just going to ignore my retirement accounts right now. As for my bank accounts, my saving could be better. I've been spending a lot more than I plan to, in part because I haven't been packing my lunch. It does help that I've been too busy to do as much shopping as I'm usually capable of doing. This past week, I worked both Saturday and Sunday, which was sort of a bummer, but the overtime made it a little sweeter. This month I'm going to work on packing my lunch and implement a NO NEW CLOTHES OR TOILETRIES rule and work toward some of my savings goals.

Sunday, September 4, 2011

September 2011 Net Worth

Emergency Fund: $4,468.79
Checking: $92.27
Travel: $301.02
Medical/Dental: $261.32
School: $0.67
Retirement: $240.25
Roth IRA: $8,773.18
401k: $6,707.36
Sharebuilder: $190.73
____________
Total Positive: $21,035.59


Rent: $PAID
Groceries/Utilities: $200.00
Phone: $60
Subway: $PAID
Credit cards: $244.53
Student Loan I: $5,094.52 (from over $19k)
Student Loan II: $0
____________
Total Negative: $5,599.05


Net Worth: $15,436.54

Obviously, the stock market is on its way down again, which is fine. I did some fund shuffling, which is whatever. Considering I didn't have an income for 2 weeks in August, I'd say I did pretty well.

Monday, August 1, 2011

August 2011 Net Worth

Emergency Fund: $4,000.00
Checking: $375.83
Travel (aka Other People's Weddings): $0.92
Medical/Dental: $500.71
School: $0.59
Retirement: $300.77
Roth IRA: $9,619.68
401k: $7,556.32
Sharebuilder: $249.92
____________
Total Positive: $22,604.74


Rent: $PAID
Groceries/Utilities: $218.00
Phone: $60
Subway: $59
Credit cards: $297.05
Student Loan I: $5,366.82 (from over $19k)
Student Loan II: $0
____________
Total Negative: $6,000.87


Net Worth: $16,603.87

Because of my career change, I'm missing a couple weeks of pay. I've also taken almost a 50% cut in pay in order embark upon this change, which I'm obviously ok with, but my bank account and ego are going to be hurting. My first day at my new job is today. Wish me luck.

Saturday, July 16, 2011

And now, an update.

Last we talked, I had quit my job without another lined up.

Let's rewind.

It was a Monday morning. I wasn't feeling great, so I decided it was an ideal opportunity to use a sick day. A to-do list for the day: watch "Do the Right Thing" (a Spike Lee joint), determine the ideal ratio of honey to cinnamon when eaten straight from a cup, file fingernails into squovals, and finish an application for a job posting I saw the day before at a company to which I've sent no less than seven applications over the past several years. Check, check (the answer is half and half), check, and check.

Fast forward to Saturday - I'm trudging through the mall on an epic search for a dress to wear the following weekend to a friend's wedding in the hottest place on earth, and I get an e-mail asking me to come in for an interview. I wasn't sure this day would ever come, and I am over the moon. I abandon my search and spend the rest of the weekend obsessing over strategy. Should I take the first available interview or the last? My instinct was last. I decided to take first. On Wednesday.

Now, how to handle my current job? I had already used a sick day last week. My options: (i) lie, and tell them I have a doctor's appointment, (ii) tell them I have an interview and that I need the morning off (awkward...), or (iii) put in my notice, and then tell them I have an interview and will be taking the morning off. I choose door number 3 and give my notice Monday afternoon. Am I that confident that I will get the job? No. I just decided my job didn't fit into my plan anymore, and I had nothing to lose (except money).

I am obsessive in my preparation for the interview. Barely sleep. The morning of my interview, it's hot and sweaty. I'm dressed as if I'm a circa 1992 day-trader. I'm an hour early so as not to be late. I spend the hour trying to slow my heart at a hotel across the street. I walk in an acceptable 5 minutes early. The interview is 45 minutes long. I know I say a few things they like, and I know I am also very awkward for a few choice moments. I am unsure. I craft a 2 sentence thank-you e-mail in 45 minutes.

The next couple days I am made aware that they are checking my references. I am hopeful, but not too much.

On Saturday I fly to the wedding in hottest place on earth with an old dress that is admittedly too snug. I worry I may go deaf on the plane back (faulty Eustachian tubes). I try not to mention my interview too much for fear of embarrassment if I don't get the job, but it manages to come up in nearly every conversation. I imagine the humiliating conversations this could lead to at the wedding of whichever friend gets married next.

The following week at work is awkward. I angst over a hand-written thank-you note I write them to remind them of my existence. By Friday I am thanked for my e-mail and note. In a dramatic turn of events, one of my references forgets to call them back. Drama! I fix it, and all is well.

On Monday afternoon at work we are treated to a sushi lunch by a company kissing ass. There are also, strangely, fortune cookies. My fortune states, "Expect a change for the better in job or status in the future." I share it with a co-worker who grabs my hand and is sure it is a sign.

On the train home that day, I check my phone and see an e-mail from one of the people who interviewed me. "We are pleased to offer you..."

I'm frozen. I'm smiling. I can't believe it's finally happening.

So there it is. I have to pass a background check, so there's still that, but barring some freak finding, I will probably start the first week of August.

Monday, July 4, 2011

July 2011 Net Worth

Emergency Fund: $3,834.65
Checking: $226.63
Travel (aka Other People's Weddings): $50.92
Medical/Dental: $350.71
School: $250.59
Retirement: $325.77
Roth IRA: $9,901.84
401k: $7,620.00
Sharebuilder: $239.35
____________
Total Positive: $22,800.46


Rent: $PAID
Groceries/Utilities: $218.00
Phone: $60
Subway: $59
Credit cards: $485.98
Student Loan I: $5,588.78 (from over $19k)
Student Loan II: $0
____________
Total Negative: $6,411.76


Net Worth: $16,388.70

You'll notice that I drained my travel fund due to a wedding this past weekend. I also went on a bit of a shopping spree while I was there because I didn't have any shoes to wear. I mean, I own shoes, but strangely a grand total of zero shoes that could be considered either "dressy" or even "dressy casual", despite being employed full time. I was also ill-equipped for any ambulation with a pair of tortuous J.Crew flip-flops. TRASH. Luckily I found the following stores: Payless, Nine West, and Naturalizer for all my wedding weekend shoe needs. The Payless heels were actually comfortable (wha???) with a 3" heel (WHA???). I normally can't walk in anything over 1.5", but I think I understand now that it's the mid-range that gives me problems, because it puts more pressure in the arch reason maybe? I actually have no idea, but these were fine. Oh, and I bought a dress at Macy's on clearance. So add a total of about $150 to my credit card tally (it hasn't hit yet).

I'll need to be contributing more to my dental fund soon because I'm having some major, now DAILY, pain in a certain region or 3. One of the items is a decade-old restoration, and I knew this day was coming. Another is a break, and the last is possibly some decay under a filling. In any case, I anticipate I won't be done with this until I'm several thousand down. When it rains it pours, right?

Also: I put in my notice at my job. WHAT. I know. No, I don't have another one lined up. Please hold all questions until next month, when hopefully I will have more answers.

Sunday, June 12, 2011

June 2011 Net Worth

Emergency Fund: $2,532.27
Checking: $535.09
Travel (aka Other People's Weddings): $400.59
Medical/Dental: $300.44
School: $250.39
Other: $69.62
Roth IRA: $9,454.72
401k: $7,497.45
Sharebuilder: $221.01
____________
Total Positive: $21,261.58


Rent: $PAID
Groceries/Utilities: $218.00
Phone: $PAID
Subway: $20.00
Credit cards: $40.04
Student Loan I: $5,588.78 (from over $19k)
Student Loan II: $0
____________
Total Negative: $5,866.82


Net Worth: $15,394.76

Huge drop in my Roth IRA this month, which I know is fine, but it still makes me frowny-faced. I picked up more Talbots stock after the big drop last week. I can't afford for them to go out of business. Mama needs her boat-neck, three-quarter-sleeve pima cotton tees.

Might be in a for a big change next month. I'll keep your posted.