Pinch The Pennies

RANT 2

2009-04-22T09:45:00.002-05:00

This has been a crazy few days. Over the weekend, me and a couple of friends headed down to Orange Beach to catch a three night Panic run. Which was awesome. The beach was too cold to lay out, but we ate at some great restaurants and had out of this world beach drinks. YUMMY. However, on Sunday night at the show I lost my driver's license. I didn't think of this as a very big deal because I just bought a house in Mississippi and needed to change my license and plates over to this state. The thing that I didn't realize was that you needed to present a valid license from another state to get a new license. I am assuming this is because they want to make sure that your license hasn't been suspended or revoked in another state. This is not working out in my favor because neither the Louisiana Department of Motor Vehicles or the Mississippi Highway Patrol will communicate with each other to verify that I have a valid Louisiana license. Big headache and a lot of waiting on hold to no avail.

Then as I was leaving work last night around 8, I couldn't find my car keys. You guessed it, I had locked them in the car. I had to call a friend to drive me home and back to work this morning and then called Pop-A-Lock. It look the guy who came out 40 mins to unlock my car. He said he usually could unlock a vehicle in about 5 mins. So, $40.00 later, I now have my car again. I am beginning to think that God is telling me not to drive. The good thing is that I called State Farm and my insurance has roadside assistance. Thus, when I submit the receipt, they will reimburse me the expense.

First Night

2009-04-03T11:42:00.003-05:00

Last night was the first night spent in my new house. It was FABULOUS. The funniest part was watching my dog take in the new environment. He was sniffing out every inch of that house and all I could keep thinking to myself was that he was going to lift his leg at any minute and mark his territory just like a man. :) But, my little man is potty trained and he did very well in his new home. We would wander into rooms and then sit there and whine/whimper until I would come find him. He doesn't know what to make of it, but pretty soon I am sure he will love it and the HUGE backyard. As soon as I have everything moved in and start decorating, I will be sure to post pictures. The first project(s) are the bathrooms.

Sidebar

2009-03-27T13:41:00.002-05:00

I have updated my sidebars to reflect buying my first home. I have deleted my home downpayment fund (although it may soon be replaced by a car fund), and depleted my emergency fund. That is my first priority....getting back to saving $3,000.00. However, that shouldn't be too hard, with the goverment giving me $8,000.00 for being a first-time homebuyer. I am claiming it on this year's taxes since I owe the IRS $2,500 in taxes (which I don't have anymore - long story for another post) and paying back a loan from my grandfather for $2,100.00. All of the leftover funds, around $3,400.00 will go immediately into my emergency fund.

OFFICIAL

2009-03-27T13:38:00.000-05:00

I am officially of HOMEOWNER! I know that I have been out of touch lately, but believe me I have been busy. You wouldn't believe the leaps and bounds you have to cross to buy your first home. So, $7,139.32 later, I now have a place to rest my head, and a hefty mortgage payment. I couldn't be more excited. TIME TO DECORATE.

Rant

2009-03-12T10:21:00.003-05:00

WORK, WORK, WORK...is all I seem to do lately. Besides playing tennis.

I have been trying really hard to get in "swimsuit" shape before the start of summer. And I have been doing really well. As I have previously stated, I vowed to work out at least 4 times a week for lent, and I have been sticking to it. Plus, I have basically cut out all snacks and trying to stay within 1200 calories a day. I tell you what, a little exercise, does the trick. I have probably last 3/4 pounds. I just need to keep up the momentum.

Speaking of exercise, does anyone own a Bender Ball? My friend has one and she swears by it. I went to Walmart earlier this week to find one, but with no luck. I am going to check out another Walmart to see if they have one, I was just wondering if it was worth the money. I would love some abs.

Quick Update

2009-03-06T10:50:00.003-06:00

I wanted to give a quick update on my first home buying experience. We have set a closing date for March 31st (although this date is flexible). So, the paperwork process begins. It is absolutely amazing the amount of paperwork that you have to gather to buy your first home (or probably any home). They need Verification of Employment, Verification of Rent, two forms of identification, two months worth of bank statements and savings accounts, retirement, pay stubs, previous two years of W-2's and the lists goes on and on and on and on (you get the point). So, basically my broker is my new best friend (although in my instance it is my mother so she was already my best friend).

Then, you have to order appraisals, termite inspections, home inspections, hazard insurance.

But, overall - it has been a great experience and totally worth it once I am in that new home that will be MINE.

2009-02-27T10:37:00.001-06:00

This weekend I am heading out of town to catch a concert and basketball game with a friend. I am leaving directly after work and driving 2 1/2 hours to meet up with my friend (whose house we are staying at this weekend) and we are going to watch a concert. I am very excited about this concert because it is a great band and an even greater venue. Tickets are $15.00. Then, on Saturday we are watching an SEC basketball game (not sure how much tickets will be). Both teams are fairly good and it should be a great time. My only concern is running into the ex. It has been almost 6 months since we have split and I have been fortunate enough to have not had any encounters with him. So everyone keep their fingers crossed....

All in all, it should be a fairly inexpensive weekend (maybe $100.00 including gas). And filled with lots of fun activities! What are your weekend plans?

BOOKS

2009-02-25T15:41:00.000-06:00

I spend the majority of my free time that is not spent with friends either reading or watching movies. I love to do both. A good book with a glass of wine and a funny movie are two of my favorite things. That being said, I have read two great books recently - Chasing Harry Winston and Something Blue. If you are looking for a light, funny read...pick on one of those books. They are great!

Ash Wednesday

2009-02-25T11:35:00.000-06:00

With today being Ash Wednesday and me being Catholic, I have a few decisions to make. First, what am I going to give up/do for lent. I have thought long and hard about it...debating between giving up diet coke, alcohol, cussing, etc, but I have decided to try and better my self and lifestyle and I am going to commit to working out at least 45 minutes for 4 days a week. To you fitness buffs, this might not seem like a lot, but I promise it will show results for me. I consistently sit at a desk, all day every day. And I have put on a few extra pounds this winter, which I tend to get rid of. I am also going to try very hard to drink 8 glasses of water a day and not snack just to snack. I am feeling really good about this today.

So, from now on....no meat on Friday, and lots of sweat until EASTER!!!!

2009-02-20T10:32:00.002-06:00

I deposited $300.00 into my home down payment fund this morning. I wanted to deposit more before I actually have to close on the house, but I had to spend $300.00 in cash to pay the Home Inspector (which was completely worth it).

The home inspector found two fairly minor details that needed to be fixed in the house. (1) the fireplace needed sheet rock around the vent and (2) an electrical outlet needed a breaker. The current homeowners are fixing the problems immediately.

So, all is well on the home front. I am waiting for the current owners to find a place to purchase themselves and then we will set a closing date. The closing must take place no later than April 15th, but the later the better for me because I have to pay rent until April 31st

Rant

2009-02-19T09:57:00.002-06:00

I feel like ranting this Thursday morning. So, here it goes......why in the world would your bring your child with the flu into the office with you? A co-worker of mine just walked in with his 3 year old son who has the flu. Come on Dad, take off work. I promise this office will survive without you for the day and we will call you if anything comes up that is an emergency. But, don't bring your contagious child into the office who runs around everywhere and touches everything. It is distracting enough to have a child in the office.......ugggshhhh....I had the flu last year and I never want it again.

Chocolate Delight

2009-02-16T09:50:00.005-06:00

As promised, here is a picture of the cake that I made for Valentine's Day and a few pictures from Old Crow Medicine Show. I hope everyone had a great Valentine's Day. This is the first year since I was 17 (I am now 26) that I have been single on Valentine's Day and I must admit that it wasn't bad. I am very fortunate to have awesome friends.

Groceries

2009-02-10T15:57:00.002-06:00

I am planning on going with a really good guy friend of mine to a concert out of town on Saturday night. We are just friends, but it is not to have plans for V-day. This is the first year since I was 17 that I have not had a boyfriend on V-day, so needless to say, it shall be interesting. We are planning on staying the his step-brother and his wife house. Therefore, I feel obligated to bring something. And I have the best idea. I found a heart-shaped bundt cake pan at Walmart yesterday for $17.00. Then, I went to the grocery store and bought the ingredients to make the cake for $34.66. I bought enough ingredients to make 3 of these cakes plus a chocolate pie, so it really isn't all that expensive. I made one cake for work, making one cake for my mother's boyfriend, and making one cake to bring as a gift. I will have to take a picture of one of the cakes to post at a future date on this blog.

The funny part of the story is that the cake recipe is from my ex-boyfriend's grandmother. It was his favorite cake and to die for....I am just passing on the love on V-day.

2009-02-09T14:26:00.002-06:00

I had a wonderful weekend with very little unnecessary spending. I decided to make the three hour trip to go home and see my family. My 3 year old niece was coming in town and whenever she is there I try to make sure that I am also, since it is not very often that I get to spend a lot of time with her.

Here is a short recap of what little money I spent:

Hair Cut/ Eyebrows Waxed - $100.00
Walmart for dessert ingredients - $7.13
Gas - $24.95
Coffee - $1.40

However, I ended up doing a lot more. My grandmother, mom, niece, and I went and had mani/pedis, which my mom treated us to. (Thank you MOM). It was great spending time with four generations. We had the best girl time together. My mom and I also went and watched "He's just not that into you." It was a good chick flick and I would recommend watching it, if you like movies. It was funny and not a bit depressing. I ended up staying the night at my mom's house last night and getting up at 4:50 this morning to drive back home and make it to work since we were having so much fun together. I really needed a weekend with family. Everything is in perspective when you are with loved ones.

Home Inspection

2009-02-04T13:54:00.000-06:00

I hired a home inspector to come out to the house I am hoping to purchase to thoroughly go over the home and detect any problems. The house passed with flying colors. There were only minor, and I mean, minor, repairs to be made. That was a huge relief since the home is 21 years old. The current homeowners have done a wonderful job of maintaining the house. So, for a total of $300.00, I now have the satisfaction that I am buying a great home.

2009-01-30T10:52:00.002-06:00

Well, I have a contract on a house!!!!!!!!!!!!! My first home, I am so excited!!!!!!!!!!!!! I got pre-approved for financing on Tuesday and things have been going smoothly since then. The pre-approval process was a little more difficult than I had expected. Not that it took much effort on my part, but they are really looking at the applications to make sure the purchaser will be able to afford their living arrangements. This is really the first thing that I have noticed where I was effected by the economy. Two years ago, it would have been a piece of cake to get financing. Now, all the details have to be ironed out before they will pre-approve you.

Next step, home inspection!

UGGGGGGGHHHHHH

2009-01-23T11:37:00.002-06:00

I thought that my life was moving along rather harmoniously. I have been drama-free and loving it. That is until last night.....my roommate and I are in the worst possible fight EVER. I am really probably going to loose it within the next three months that we have to live together. She is a traitorous B. She has just recently been separated from her husband (I say recently, since May when she moved in with me.) Trying to be a good friend and a good roommate, I have introduced her to all of my friends and helped her build connections with them. I found out last night that she has been making plans with them and telling them that I am too busy to hang out. Then she comes home and gushes about how much fun she has been having. How scandalous. How dare you try to exclude me from my own friends, which clearly you would not have if it wasn't for me. I have tried to be a true friend to you...but no more. Has anyone dealt with a similar situation? I am dumbfounded someone could be so cruel at 30. GROW THE F UP.

Buying a House

2009-01-22T10:57:00.004-06:00

I have been seriously looking at the housing market and houses in my area over the past month or so and I have decided it is time to buy. I placed on offer on a house yesterday and received a counter-offer this morning. I am extremely excited about the possibility of owning my own home. All the details are definitely not ironed out as we have not agreed on a price, as I intend to make a counter-offer to their counter-offer ( it that considered another offer?).

This seems like the perfect place. It is in a decent neighborhood, less than 2 miles from my office, and immaculately maintained. The house was built in 1989 and has been upgraded gradually over the past 13 years (that's how long the current owners have owned the place.) Don't get me wrong, there are still some minor things that need to be done, i.e. the dishwasher and oven are 21 years old. But, otherwise, I love this house.

I am just worried that I am being a little hasty on making my decision. I only have about 3.5% of my down payment saved, which will deplete my emergency fund. However, my current lease expires at the end of April and I want to buy a place to move in before then. The current owners have yet to find another house, so they would be willing to stay in the house until April and then leave. That means that I will not have double rent and I can continue to save!

I will update as the negotiations continue....

Weekend

2009-01-19T10:32:00.002-06:00

My weekend went from one extreme to the other. On Friday night I decided that I needed ME time and stayed home watching movies by myself. It was very relaxing and I thoroughly enjoyed myself. My Saturday was rather productive. I started off taking my dog for a walk, went and picked up my dry cleaning, decided to go to the mall and use some sales coupons from Limited, and then headed to drive around neighborhoods looking at houses. Afterwards, I met a friend at the movies to watch Bride Wars. This is when my Saturday took a turn for the worse. I decided to go to a friend's house for a cookout. This led to going to a very high priced bar for drinks and then two other bars for more drinks and dancing. Needless to say, I got home around 3 in the morning, intoxicated, and discovered that my roommate had fallen asleep with the oven on and a pizza burnt to a crisp. Sunday was unproductive. I felt bad, went to a friend's for another cookout and played the Wii. I liked myself better Saturday morning. I have a tendency to over drink and spend too much money when I go out.

I also liked being in a relationship better. That is when I was in control of my feelings and emotions. Right now I am a mess. I am ready to settle down. Enjoy the company of that special someone and not have to go out and mingle with people. I am ready to go to dinners, watch movies and spend quality time outside of bars. But where am I going to meet this person if I hoard up in my house????

Gut Feeling

2009-01-15T15:18:00.001-06:00

Have you ever woken up and just had this feeling that something was going to happen. Well, that happened to me yesterday morning. While walking to get in my car yesterday morning to go to work, I had this gut feeling that my car wasn't going to start. It has been unusually cold over the past few days, and I just thought that my battery was going to be dead. I was wrong. It cranked right up and I headed to work. After lunch, a co-worker came into my office and informed me that I had a nail in my rear, right tire and that air was slowly leaking out. Aha, I knew something was going to go amiss with my car today. We proceeded to take the car to a tire shop for them to plug my tire. I thought, well there goes $30 I wasn't planning on spending. The tire place was packed so I went back to work and they were supposed to call me when my tire was fixed. Around 3 hours later, no phone call. I called up there to check on my car and was informed that the tire machine had shredded my tire and the replacement was just arriving so it would be about 30 more minutes. I was dumbfounded. No one had called me to tell me there was a problem. They just ordered a new tire. Long story short, I ended up paying nothing and getting a brand new tire.

MySurvey

2008-12-16T11:30:00.000-06:00

I got my first $10.00 survey check from Mysurvey.com.

New Sidebar

2008-12-04T10:40:00.002-06:00

I added a new sidebar!!!!! It is for a HOME DOWN PAYMENT. I am really excited about this account and hope to throw all extra money towards it. I have a dream of owning a home before 30 and without a down payment that dream will never come true. It only has a little over $8.00 in it, but hey, it's a start!!!!!!

Travel Fund

2008-12-04T10:38:00.000-06:00

My very best friend's birthday is December 11th. And she is turning the big 30! Therefore, I withdraw $900.00 from my travel fund to help her celebrate. We are going to Asheville for the weekend. All money that is not used will be replaced back into the travel fund.

A Brand New Budget For a Brand New Year!

2008-12-04T10:14:00.005-06:00

Since the end of the year is wrapping up, I decided to review my budget and see if anything can be changed for the new upcoming year. I am put together a new budget which I hope will accommodate my lifestyle. The new figures are as follows:

Fixed Expenses:
Student Loan Payment - $856.00.

My actual payment has now decreased to $716.00. When I first started paying back my student loans in 2006 the payment was $809.00. However, with the help of extra payment along the way, my payment is now $716.00. That being said, I am intending on paying $856.00 a month until I have paid $10,000 in student loan payments for the year (around October). Then I am going to take the extra $135.00 a month and put it into either my new sidebar Home Down Payment Fund or start a new sidebar for a Car Fund.

Rent - $425.00

Currently my half of the rent is $425.00. That is fairly cheap for where I live. However, my lease runs up in April and I was thinking about moving closer to work. The prices closer to work for something comparable are about twice as much; thus, I am starting a Home Down Payment Fund to purchase my first home. So, I am not quite sure whether I will move closer to work or continue to pump money into my Home Down Payment Fund and make the commute.

Utilities - $100.00

This includes Electricity, Gas, Water, Sewer, and Trash Pickup.

Nexflix - $18.18

Variable Expenses:

Vet -$30.00

Groceries - $160.00

Eating Out - $120.00

Entertainment - $200.00

Shopping - $200.00

Gas - $130.00

Prescriptions - $20.00

Savings - $800.00

Gift Fund - $40.00
Travel Fund - $100.00
Home Down Payment Fund - $460.00
Taxes - $200.00

Total Budget - $3,000.00

I will try to compare my monthly budget at the end of every month to determine how I did for that month.

Anyone that has any comments on whether applying extra payments to my student loan vs. saving for a house is a better option. At the moment, I am trying to accomplish both. Should I throw all my extra money at the down payment and just continue to pay the minimum on my student loans? It just really upsets me that they are for 25 years and I will be over 50 and still paying student loans. AGHHH.

Twilight

2008-11-25T11:27:00.003-06:00

Is anyone as obsessed as I am with Robert Pattinson???? He has to be the most gorgeous man that I have ever seen in my entire life. After going to see the movie Twilight this past weekend, I can dream of no other. I even went to go buy the book, which is great, because I now how a mental image of the character Edward. WOW is all that I can say.

2008-11-18T09:18:00.001-06:00

I haven't written in a few days because I am in a bad mindset financially. I have been contemplating buying a house, but determined that my student loans are so outrageous that it scares me to take out any more money. I currently have just over $105,000 in student loans and have 23 more years of payments. No bank or company will consolidate my private student loans which are at a variable interest rate. While the market is down, so is the interest rate, but as soon as the ecomony is booming again my rates will skyrocket. I know there is tons of advice out there stating that you should not repay your student loans faster than necessary,but I cannot stand it. At this rate, I will be over 50 before they are paid off and that is unacceptable to me. Thus, I believe that I am going to take next year and aggressively pay back my student loans. I understand that it is still going to take several years of aggressive payments before it is paid off, but I cannot stand it hanging over my head. At least with a house, you have something to show for it.

Last Weekend

2008-11-10T11:55:00.002-06:00

I had a great weekend!!!!

Friday night I drove over to Birmingham to meet up with the best friend. We went to the Alabama Theatre to see a concert. The concert was great, as is the theatre. The only downfall was that they stop serving drinks before the end of the first set, which meant we had two more hours with nothing to drink...not even water. I understand running out of beer, well not really, but to run out of everything to drink....come on. I ended up buying a t-shirt for $25.00. A little expensive, but I am glad that I got it.

Saturday, we woke up and drove to best friend's home town. Her and her finance just remodeled their condo and we went to cook out for the Alabama/LSU game and let me see the new place. We had a fabulous time!!!!

Sunday, after much lounging around, I drove home and arrived back around 9:00.

Overall not much money was spent (less than $100).

Gifts

2008-11-05T10:24:00.002-06:00

My very best friend from law school turns 30 this December. As with past 30th Birthdays (her finance's and my "ex"'s) we like to do it big. For her finance's 30th Birthday we flew to Fort Lauderdale and attended Langerado. For the "ex's" 30th birthday we went to Voodoo Fest in New Orleans. So needless to say, we MUST celebrate her birthday in grand style. Therefore, I will be buying VIP tickets today to go to Warren Haynes's Xmas Jam in Asheville, NC. I have never been to Asheville or even North Carolina for that fact. This it is going to be FUN TIMES.

With that being said, I am missing out on Jamaica. That is where we were supposed to be celebrating her 30th birthday, but we have decided to change locations. I am very excited!!!! Although, it is going to really hurt my pocketbook right before the Holidays.

Networth

2008-11-04T16:03:00.000-06:00

I updated my networth. While I am still in the negative (for the forseeable future), I am slowing but surely crawing out of debt. Damn student loans.

Halloween Update

2008-10-29T10:27:00.003-05:00

I have found a friend that can go with me this weekend!!!! While this is exciting because I cannot afford to cover my so-called friend's share, I am a little hesitant because it is a guy. I know this shouldn't be a big deal because we are just friends, but I don't want it getting back to the "ex" that I brought a guy with me to New Orleans especially since he has never met this guy before and I am sure he would take it the wrong way. I know that this is all stupid because we are broken up and it is none of his business and he shouldn't have any say, I just don't like the idea of him thinking things that are not the way they look. I just really need him to go to cover the cost because my other friend bailed. I am supposed to let him know today if it is okay, what do you think?

Bummed

2008-10-28T14:21:00.002-05:00

I am bummed today. I was supposed to be going to New Orleans this weekend with a friend of mine from the same town and meeting two other friends down there. Well today, I text messaged my friend in town and asked her to call me after 5 so that we can discuss weekend plans. I get a text message back that she can no longer go because her baby has been sick all week, causing her to miss work, and now she doesn't have the money. While I am sympathetic to the fact that she has a sick baby, I am now the one out of a lot of money. I was the one that purchased our tickets, which she was supposed to pay me back on the way down, I am now the one that has to drive to New Orleans not only by myself, but fork over the gas money, hotel money and her ticket money. After mentioned all this to her all she can say is "Sorry." She didn't even offer to pay a cent. What bothers me the most is that she didn't even call to let me know that she couldn't make it so that I could sell her concert ticket, find another friend to go with me or at least allow me time to save more money. We are talking two days before leaving and I am just now finding out. I am not quite sure what I am going to do about the whole situation. I don't want to have a miserable time because I haven't saved enough money, but I don't want to spend more than I budgeted for either and put myself in debt. I am very upset right now.

2008-10-28T09:32:00.000-05:00

Sorry I have kinda fell off the blogging wagon here lately. Not much of anything has been going on here, and a little bit of everything. This past weekend was rather relaxing. I spent Friday night with the roommate and a friend. We cooked out at the house and basically caught up, listened to music, and enjoyed each other's company. Saturday was spent all day watching football. Living in the South, it is a necessity to be locked to the TV or at a football game every weekend. Can't break tradition. Sunday was rather productive. I got up, went to church, met the roommate at Cracker Barrel for Lunch, went to the movies and watched Fireproof (I must say this is one of the most thought provoking movies that I have seen in a long time. It is a must see!!!), then went to Wal-Mart and Pet Smart. Afterwards, I took my dog for a stroll and the neighborhood and then just enjoyed the rest of the weekend. It was nice to just relax and spend the weekend at home. Because the next couple of weekends are going to be crazy....

This upcoming weekend, I am going with a couple of friends to New Orleans for Halloween. YAY. This trip is going to be a little costly, but totally worth it. I have been looking forward to meeting up with my friends for several weeks now and cannot wait.

I am still contemplating JAMAICA......What do I do. I do have enough money saved up to go, but I am kinda nervous leaving the country basically by myself because I would have to the meet the people down there because they decided to take the trip a long time ago. I just cannot make up my mind.

Updated Sidebars and Goals Completed

2008-10-20T09:42:00.003-05:00

I COMPLETED MORE GOALS:
I have completed another goal - I now have saved $500.00 in a gift fund for Christmas gifts. This is going to help out tremendously when the holiday arrives. I have also made the executive decision to now start saving all of my savings in my travel fund until that goal is accomplished. I am really wanting to go to Jamaica in December, but I am not sure if that is possible. I will need approximately $2000. I should be able to save that amount of money, I am just not sure it is logical in this economy to spend it. But I really really really want to go! I must make a decision soon so that I can purchase a plane ticket.

I am sure most of you pfbloggers would say not go, but I want to hear the pros and cons so give it to me straight!

Wonderful Weekend

2008-10-20T09:27:00.003-05:00

This weekend turned out very busy. As one of my very best friends was getting married on Saturday afternoon there was plenty to do. On Friday night, I drove to Vicksburg, a town about 45 minutes from where I live and attended her rehearsal and rehearsal dinner. Straight after the dinner I drove back home because I knew that Saturday was going to be packed full of things and very little time to get everything accomplished.

Saturday I woke at 7:00 and got ready to run a 5K at 8:00. I am proud to announce that I have completed my first 5 k and it took me approximately 34 mins. Not too bad as there were a lot of very steep hills and I had to walk 5 mins to get warmed up. After running I headed to get my nails and toes polished for the wedding. The bright red color really popped with my black dress. I then got cleaned up, headed back to Vicksburg and made it in time to help the bride get ready and take pictures at 2:00. The wedding was absolutely beautiful and the reception was just as great. She did a really great job picking out flowers and decorations and she looked amazing. After the reception, the bride and groom had rented out a bar in downtown Vicksburg for everyone to hang out. We stayed a couple of hours before heading back to Jackson and going out on the town. I finally made it home around 2:30 and crashed.

Sunday, my mom, roommate and I went to eat lunch and then headed to the zoo. The zoo was pretty interesting and the weather couldn't have been any better. After the zoo, my mom and I went to church and then came home, cooked dinner and watched a movie. After a long and wonderful weekend, I am ready for the work week.

Hope everyone enjoyed the weekend and stayed out of trouble!

Memphis here I come

2008-10-15T13:45:00.001-05:00

I am going tonight with a good friend to Memphis to see one of my favorite bands. It is a bit irrational, and a last minute decision and probably not the smartest decision, but I am doing it anyways. I am only 26 and want to enjoy life. I do realize it is a work night and I am having to take off half a day tomorrow and spend a boat load of money, but I am happy. And I think that I have made the right decision for me.

So off to Memphis I go.....

THE SHOES

2008-10-13T16:31:00.003-05:00

Just had to post the shoes that I got to wear to the wedding this weekend! I know, they are fabulous, aren't they?

A Weekend Full of Spending

2008-10-13T10:18:00.002-05:00

I am extremely busy today, but don't want to forget about ALL the weekend spending that I did. I spent A LOT....So, here is a bullet list

Gas - $28.50
Hair Cut and Colored - $85.00
Walmart - $18.42
Devines - $8.00
Dinner - $20 (went to a bachelorette party and didn't realize that tip was already included, so I added a $3.00 tip. Kinda makes me mad...)
Express - $118.78
Dillards - $218.88
Belks - $22.00

TOTAL-$519.58 (YIKES!!!!!!!!!)

Needless to say, I am broke...No more needless spending for the month of October....However, I feel that I can justify the shopping. My old roommate's wedding is this weekend and I just found out the ex is going to be attending; thus, I need to look HOTT...Enough said.

Shower Gift

2008-10-09T15:25:00.000-05:00

I am attending a college sorority sister's bachelorette/lingerie shower this weekend and happend to find her the perfect gift today for $20.00. Can you believe that $20.00. And it is adorable. I almost wanted to buy one for myself.

MS State Fair

2008-10-09T09:18:00.003-05:00

Whoop, Whoop! The MS state fair is in town and I feel like a kid in a candy shop. A few friends and I went last night and it was fabulous! Although, I did feel a little sick as we were leaving. I am not sure if it is from all the greasy fair food or the hundreds of rides that go upside down. Either way, it was worth it!

Food - $17.00
Admission - $5.00
Wristband for unlimited rides - $25.00

2008-10-07T16:25:00.002-05:00

Have you ever had one of those days that every little just really pisses you off? Well, that is today for me. I have nothing really to be in a bad mood about, but I am just not myself.

Back from Alabama

2008-10-06T15:44:00.002-05:00

This past weekend, I met my very best friend from law school and her finance in Tuscaloosa for the Alabama/Kentucky game. And let me tell you, it was a blast. We had such a great time catching up and just being around each other. I also got to meet a lot of her extended family, who were just as lovely as she is to me. While, I did go out both nights, I was able to keep my expenses low. My main expense was gas over there and back, but I was happy to spend it.

Embarrassed

2008-10-02T09:31:00.004-05:00

I must admit that I am embarrassed by my spending habits in the month of September. I have really been going out/eating out a lot and justifying it to myself as enjoying the single life. Well, this girl's single life is starting to get expensive. I went over-budget in almost every category. Here are the cold, hard facts:

Food - $334.00 on eating out; $127 in groceries for a total food expense of $461.00. That means that I am $161.oo over my alloted $300.00 food budget.

Gas - This category I actually did okay. I spent $224.00 out of $240.00.

Shopping - $179.00/$100.00

Entertainment - This category really got me. I spent $239.00/$100.00. No excuses, I was enjoying myself.

Hopefully, by admitting to my September mistakes in writing, I will do better in October. However, I feel that this is also going to be a costly month. So far, I have almost every weekend planned -

Oct 3-5: Going to Tuscaloosa for the Alabama/Kentucky game and visiting my best friend from law school.

Oct 10-12: Bachelorette Party/Lingerie Shower

Oct17-19: Old Roommate's wedding

Oct 24-26: No plans as of yet

Oct 31-2: New Orleans for a concert

With the weekends being full, I am going to have to take it easy during the week!

Progress

2008-09-29T14:29:00.002-05:00

Last week I started training for a half marathon, and let me tell you I have stuck with it. The ONLY day that I didn't run was Saturday and I ran extra hard on Sunday to make up for it. It feels so good to set a goal and start progressing towards completely it. Don't get me wrong, I am still a very very very very far away from being able to run 13.1 miles, but it is the point that I made it through the first week and am not even contemplating quiting!

In other news, I had a fantastic weekend! Of course, it was expensive, but it was fantastic nonetheless. My roommate and I had friends over to cook dinner on Friday night. I ended up spending a total of $36.05 at the grocery store. Then we headed out to a local bar where I spent $8.00. On Saturday, I drove 45 mins with a friend to meet my brother and mother for dinner. We went to the casino and those buffet's are expensive. $26.00 spent. And believe me there is no way that I ate $26.00 worth of food. What a rip off, but it was to see family so I am very happy that I made the trip. I had to put gas in my car for $40.00 and then went to lunch after church on Sunday for $12.00. As if this wasn't an expensive enough weekend, I had to go shopping for a black dress for old roommate's wedding. While I didn't find a black dress I found two shirts at Banana Republic if $118.34. Ouch....

Grand total for the weekend -$240.39. Good thing payday is Wednesday!!!!

Another Goal

2008-09-24T14:35:00.001-05:00

I have signed up to run a half-marathon with my roommate. She is a avid runner, but I can barely run a mile. Ha. We started training on Monday and once I can run for 30 mins straight we are going to kick it in high gear. We have decided to run the MS Blues Marathon. The MS Blues Half Marathon is Jan. 3rd so I should have plenty of time to get my butt in shape. I will make regular posts as I progress.

Has anyone run a half-marathon. What do I need to do to adequately train? Did you start off without ever really being a runner before? I am a little nervous now that I have committed myself, but I will feel so accomplished to complete it before 30.

Sidebar Updates

2008-09-22T11:17:00.002-05:00

It is that time of month again - time to deposit money in my savings accounts and update my sidebars! This is a great feeling. Especially, since I reached my goal of having $3,000 in an Emergency Fund. I actually have $3,152.78. Now, I must decide if I want to increase my Emergency Fund goal up to $5,000 or put any money above the $3,000 into my student loan debt repayment. I wanted to pay $10,000 in student loan debt repayment this year, and I am going to be shy if I don't start allocating more money. But, with the market the way that it is I am a little nervous to get rid of cash. Any suggestions??????

As far as my other two goals:

My travel fund is standing at $301.24 and my Gift Fund is at $426.04. My gift fund should be close to $700.00 by Christmas time, but I hope not to have to use that much. Of course, I have two weddings to attend before then.

GIRL'S WEEKEND

2008-09-19T11:12:00.003-05:00

This weekend I am going on a girl's weekend to the Gulf Coast. And we are all super excited. The 3 other girls that I am going with just found out yesterday that they passed the Mississippi Bar Exam and are now officially Attorneys. That being said, there is a lot to celebrate this weekend. For me, it is more of a time to get away and hang out with some good friends. And explore my new single hood.

As for the financial aspect of this weekend...I am bring $180.00 and hoping that is all that I am going to need.
Hotel Room - Comped by the Aunt (thank you dearly, without you it would be a much more expensive weekend)
Gas - $30.00
Vet to kennel my dog - $25.00
Entertainment money - $125.00 - This will be for all food, gambling, drinks, bar covers, etc. We are basically planning on going out all night and sleeping in late and relaxing by the pool all day if not too cold or raining.

Ambitions

2008-09-16T11:26:00.003-05:00

After reading Fabulously Broke in the City's blog entry this morning, I decided that maybe it was time for me to make some goals for myself. I believe this will help me determine who I am and what I am capable of doing for myself. Some of the things on this list are a little scary for me personally, but they are all attainable in my mind. That being said, here are the ten goals that I would like to accomplish before turning the big 3-0!

In no particular order. . . .

1. Go skydiving: My cousin recently did this and absolutely loved it. She is the cousin that could convenience me to do anything and we would have fun at it. She actually called and asked me if I wanted to go with her on my 26th Birthday, but I already had plans and she lives 6 hours away. Now, I wish that I would have gone. But, it is never too late to give it a shot.

2. Travel abroad: Another regret that I have is never going international during my college studies. I was signed up to go, then September 11 happened and my parents did not want me to leave the Country. While understandable, I definitely want to take a European vacation by the time that I am 30. Additionally, my aunt and uncle live in Korea. My father and step-mother are planning to go visit them sometime in the year 2009 and I would love to go with them.

3. Scuba Diving: The past June I went to the Bahamas for the first time. I looked into getting scuba certified and going scuba diving with the "ex", but we didn't have enough time. I would like to get scuba certified in the States within the next couple of years and take another trip to a beautiful location and go scuba diving.

4. Reduce student loan debt under $80,000. I know that $80,000 is still a lot of money. And if I thought that I could possibly reduce my student loan debt within the next 3 1/2 years to less than $80,000 I would definitely strive for that goal. I just don't see how it is possible with all the other ambitions that I have and want to accomplish.

5. Own a house and put at least 20% down. With the amount of student loan debt that I currently have, it is impractical to own my own house. I would be spreading myself financially too thin. But I hope that I can save at least 20% for a down payment and own a house by 30.

6. Be bar certified in D.C. I am qualified to be bar certified in Washington D.C. I just have yet to take the required time and get all my application paperwork and money in to the commission. Not to mention, that it requires traveling to D.C. to get certified. I have never been to D.C. and cannot wait to go.

7. Go white water rafting.

8. Open a Roth IRA. I know, I know. Many of you are probably reading this and cannot believe that I do not already have one. But, I plan on opening one this year and contributing $5,000/or the maximum for every consecutive year.

9. Buy a new car. My car is currently 7 years old and has $88,000 miles on it. It is still in good working condition, but I want a new one.

10. Own a piece of furniture not previously owned before me. What girl doesn't want something that she has picked out solely for herself.

What are some of the goals that you want to accomplish for yourself??? You never know, I may add to my list based on your suggestions.

Purge

2008-09-15T13:30:00.002-05:00

Sunday was a house cleaning day for the roommate and I. We decided after church and lunch to both meet back up at the house and spend the afternoon cleaning. And boy did it turn into a project. I decided that cleaning meant purging my closet of all the clothes that I have either (1) not worn since the beginning of the year or (2) have never worn. I was particularly surprised at how many clothes that I had in my closet that still had the price tags on them. You know, the ones that your grandmother gives you for Christmas that you would never be caught dead in. Well, after several hours, I ended up with approximately $1,000 worth of clothes to donate. I made sure to donate whole outfits. Someone is going to get really lucky. Most of the clothes were in pretty good shape, either just did not fit me the way that I would have liked, were too big, or were just not my style. My closet still seems a little cramped, but I am happy to be getting rid of the clothes that I purged.

Mission for the week: get the bags to goodwill and keep track of my tax credit.

Side note: I am well aware that I could probably sell the majority of the clothes on Ebay. Especially, the ones with the price tags. However, I do not have the time or energy to list all of the clothes, package them up, and ship them out. Call me lazy, but I would rather just donate them.

Meal Plan Monday

2008-09-15T09:44:00.001-05:00

Now that things have started to settle down, I am going to try and get back in my old routine of planning my meals a week in advance. So, here is my menu plan for this week:

Monday - Banana Foster French Toast (it is left over from brunch yesterday).
Tuesday - Pork Chops with dirty rice (my old roommate is coming over to hang out)
Wednesday - Leftover pork chops and dirty rice
Thursday - Noodles and Tomato Juice
Friday and Saturday - going out of town with three girl friends. Eating out (coming out of my travel fund).
Sunday - Noodles and Tomato Juice

Made it Through Another Weekend

2008-09-14T20:34:00.002-05:00

I made it through another weekend, but I can officially say that I am broke. Going out all the time is very hard on my pocket book. I have not been doing well on making the rational, pinch the pennies, decisions. I am afraid to even type the amount of money that I spent this past weekend. Here is goes:

Friday:
Gas before the hurricane: $40.00
Wine for dinner: $14.50
Dinner: $63.00 (One of the best 5 course meals that I have ever had and completely worth it).
Drinks after dinner: $17.00

Saturday:
Lunch: $12.00

Sunday:
Donation: $3.00
Brunch: $20.00
Grocery run: $45.23

Total weekend spending: $214.73. Ouch.....Not to mention there are two more weekends left in September. I have got to get myself in control. This week I am going to try and do dinner and lunch at home until Friday and then me and three girl friends are heading to the Coast to the casino. I doubt that we do a lot of gambling. Just plan on laying out by the pool and checking out the bars at night. I am really looking forward to a weekend away. I am thinking that this next weekend will have to come out of the travel fund. That's why I say for travel, right? What did everyone else do that was fun for the weekend?

Living Arrangements Part 2

2008-09-11T09:33:00.002-05:00

I heard back from the realtor and they will let me sign a seven month lease. That works out great for me. I have plenty of time to find the "perfect" place and I will not be stuck by the "ex" for too much longer. The roommate is willing to relocate. She has no personal preference on where we live, but wants to live together. That is good news for me. Everything is working out fine. I tend to worry for nothing. Thanks again for all your comments. They really help me rationalize things.

Living Arrangements

2008-09-10T09:41:00.002-05:00

Yesterday after work, my roommate and I meet with the new real estate agency that has taken over managing our duplex. The new agency wants us to sign a 12 month lease, but I am not sure that I want to sign more than six months. My concerns are linked to the "ex." Conveniently or inconveniently now, the "ex" lives approximately five houses down from me on the same road. Therefore, we are both forced to drive by the other's house everyday. While this is not a problem so much right now, once either one of us starts dating again, I think it will become a big problem (at least for me). I am sure that he will start dating again before I do because I am not emotionally ready right now.

Anyways, I am now stuck with the decision on whether I want to move out now or sign a new 12 month lease. While me moving makes the most sense - the "ex" owns his house, he actually bought his house first, and I took a job that now requires me to commute 20 mins each way - the rent is very reasonable, it is not an apartment, a can have my dog, and it really helps to have a roommate to split all the bills with me. I LOVE the place that I am living in at this point in my life. I just hate the fact that I cannot get over the "ex" because he is right there. I am terrified of the day that I notice a girl at his house.

I am just really not in the mood to make life altering decisions right now. I need time to process all the things that are happening in my life and make a sound decision on what I WANT. That is way I would prefer to sign a six month lease. I have tried negotiating with the real estate agency. They are supposed to cal me back to let me know if they agree with my terms. I refused to sign the new 12 month lease yesterday while I was at the office because I am not sure that is the best decision for me.

Hard Night

2008-09-09T11:34:00.002-05:00

Last night was a very hard night for me. I had a very productive day at work and wanted nothing more than to go home, work out, eat dinner and relax. Well, things did go as planned, but were made worse by the "ex." I got home to discover that the "ex" had delivered all of my belongings from his house to my room apparently while I was at work. This was made worse by him not even leaving a note. I have not heard ONE word from him since he called it quits. If it hadn't sunk in that we were no longer a couple, it is bright and clear now. M.E.N.

Weekend #2

2008-09-08T13:08:00.001-05:00

This past weekend was weekend #2 being single. The weekend started off great. I got home from work, ate dinner, and got ready for a big night out. I meet up with a few friends and we headed out to the bar where I successfully only spent $10.00. Then it was time for bar #2. This bar wasn't as great as I thought that it would be although I had a good time. It just wasn't my scene anymore (would have loved it at 21). Ended up having a guy buy my drinks and therefore didn't spend a dime. Headed home and went to bed.

Saturday was pretty busy. I slept until almost eleven, which is unheard of for me. I then headed to meet three girlfriends for a day out. We went shopping and all ended up buying nothing. Afterwards we went for snow cones. Fun times. When I got home, I wasn't really in the mood for going out. Therefore, the roommate and I decided to go rent movies. If you haven't seen Charlie Bartlett, it is a must. The funniest movie I have seen in awhile.

On Sunday, I went to church, had lunch with the roommate, played tennis, and then watch another movie - all before 5:00. Afterwards, I was bored silly. I am not used to having free time and it is really hard on me. I don't like being idle because my brain works overtime and I need to stay busy. This was by far the hardest day for me since the "ex" and I broke up.

All in all, it was a relaxing weekend. Although, I cannot believe that I am going to say this - I was actually looking forward to coming back to work on Monday. This weekend I am going to try and stay extra busy.

Wednesday Night

2008-09-04T14:54:00.002-05:00

Another night out with the girls and another $20 spent. I know that I cannot keep doing this forever, but right now it is so much fun and exactly what I need.

I also went to the grocery store and spent $36.09. Hopefully I have enough groceries for lunch and dinner to last until next Wednesday.

Going Out

2008-09-03T11:28:00.003-05:00

I always thought being in a relationship was tough on my pocketbook. The "ex" and I had plans every weekend (usually traveling somewhere) and ate out a lot. Even when we weren't eating out, we still prepared lunches and dinners everyday, but being single again is just as expensive. Last night my roommate and I went out for dinner and drinks. We had a great time chatting and enjoying ourselves. My total at the end of the night was $10.58. While that is not too bad, if it becomes an every night occurrence it could start to catch up to me. I just don't want to sit at home and "think." I am relatively young -26, single, and hoping to discover how to be alone.

I am not sure what I have planned for tonight, but I am going to lunch with a friend. Then tomorrow, I am treating myself to a mani and pedi. I plan on hitting the town this weekend and need to look HOT. So, as of now, my blog is going to be about the cost of being single and discovering myself. Don't worry, I won't forget about savings and retirement, but they will just be on the back burner for a few weeks.

First Weekend Single

2008-09-02T10:55:00.003-05:00

I had a really good weekend staying busy and trying to remember that I am now officially SINGLE. On Friday night, I decided to stay in town and go out with the old roommate. The party that she basically had to "drag" me to ended up being a lot of fun. I met several people that she works with and their friends. It was great to get out of the house and not have to sit at home worrying that my life is a disaster. I even met a HOTT Ortho doctor. While he didn't get my number, I had a good time visiting nonetheless and he wasn't hard on the eyes. A welcomed distraction!

On Saturday morning I drove home in just enough time to get ready and head to the La Tech/Miss State football game. If you can believe it, La Tech beat Miss State 22 - 14. It was a close game that had the stadium packed until the very last hike of the football. Afterwards, it was late so I headed back to my mother's house to visit.

On Sunday, the family drove over to Shreveport to go boating and cook out for the Labor Day holiday. I attempted to wake board and got up on the very first time. This is something new for me because until this weekend I would have never attempted to wake board. I was too much of a chicken and afraid of failure. But I DID IT!

Monday morning, I got up early and headed back home. I wanted to leave Louisiana before the hurricane affected the northern area where I am from. Good thing I did too because my parents have been stuck without electricity, and I am at work. Once home, I had four friends come over for drinks and to play games. It was another welcomed distraction. I cannot allow myself idle time right now. I need to put myself out there and hope for the best. Thanks for all the support lately from my great readers......Even though I don't know any of you personally, your words work incredible miracles. They soothe my heart and let me know that I am not alone in my feelings.

Hurt

2008-08-29T09:34:00.002-05:00

I know this blog is supposed to be about personal finance, but right now it is going to be about my mid-life crisis and being newly single. I am extremely hurt and angry right now. In fact, I don't really know how I feel. Alone, lost, disappointed, angry, tired, pathetic, emotional, weak, like crying.....Last night, I found out that the "ex" (that is what I am going to start calling him) left to go to Destin for the long weekend with a newly single guy friend of his. This newly singe guy friend and his finance get ended things after pushing their wedding date back twice. I have tried to be supportive of our friend and let the "ex" hang out with him several times a week since I have started a new job and working long hours anyways, but apparently misery loves company. What makes me so mad is that we were all planning on going to Destin together and leaving after work today. Which means that the "ex" and newly single guy having been planning this. I understand that the "ex" didn't just do this on a whim and probably thought about it and I understand that he is probably in a bad place right now too and needed to get away, but it still makes me mad. Grow some balls.....That is how I feel. If you were planning on doing this, don't end things the morning that you are planning to go out of town for a fun weekend. You suck.

I know these posts are really negative and if you don't like reading these things I completely understand, but it feels so much better to put it in writing. I am having so many feelings. However, I am going to put one foot in front of the other and take it day by day. That is all that I can do.

On a better note, the old roommate, the new roommate and I all went out to dinner last night. We had a great time, consumed a lot of beer and then consumed a lot of vodka, and I didn't cry one bit. I love it when your friends really step up and know how to be there for you. I am so grateful to have these friends. So, I have a decision to make - (1) do I go out with old roommate again tonight to hang out with some of her work friends that I don't know so that I can meet some more great friends or (2) do I go home and visit my family? I am definitely going home to visit family, I just don't know if I should go tonight or in the morning. I just don't know how fun I will be at meeting new people when I am heart broken. I don't want to be make everyone miserable. And I doubt that I am a whole lot of fun to be around right now. Any advice?

Pitty Party

2008-08-28T14:48:00.002-05:00

I am having my own pitty party today because the bf of three plus years broke up with me this morning. He said that we have been talking about getting married for a little over a year, have gone to look at wedding rings, and he cannot seem to want to buy one. So, even though he supposedly wants to marry me and supposedly loves me, he doesn't know what it holding him back and therefore is letting me go because it isn't far that we keep dating.

I am very disappointed in him and the situation. I think that he is selfish. I think that he is selfish by not taking a leap of faith in himself, in me, in our relationship. I think he is selfish for making this decision by himself and not talking with me about it. I think that he is selfish in the fact that he doesn't want to get married because that requires a lot of sacrifices that he obviously is not ready to make.

I know that it sounds like I don't love him and that he is not the right guy for me (and maybe he isn't), but you cannot help who you love. And even though he is all of these things, I still love him. And I still think that it can work, but I don't want to be in a relationship when someone is not giving it their all. I don't want someone to love me because they feel like they have too. Plus, this is my pitty party, I can say all the mean things I like.

The hardest thing is that I wasn't prepared for this AT ALL. I had no idea that things weren't happening as we had been talking about. I am completely shocked. I am an emotional wreck. I am pissed off. And I am sad. I know that marriage is a BIG step, but I am ready to get married and start a family.

HELP>>>>>>

Free Jewelry

2008-08-26T09:20:00.003-05:00

I didn't have the turn out that I expected last night. I don't know whether people just don't have the money to spend on jewelry so would rather not attend and therefore not feel obligated to buy or whether it just wasn't a good night or whether my friends just really aren't good friends after all. I am hoping it was one of the first two and not the last. However, out of the 5 girls that I did have show up, they really spent the dough. I ended up having $760 of jewelry purchased; thus, giving me $380 in FREE JEWELRY.

That is where the sales pitch comes in because it wasn't exactly free. I had to pay taxes and shipping. The shipping wouldn't have been so bad, but the taxes on $380 are a bit steep. All in all, I spent $93.60. This money is definitely coming out of next month's shopping budget as I have depleted all of this month's budget. So, I put it on a credit card. OUCH... At least I will get rewards from my credit card and can pay it back before interest kicks in.

On the bright side, I got 17 pieces of jewelry for $93.60. I am excited to add this jewelry to my wardrobe as I hardly have any jewelry at all.

Jewerly Party

2008-08-25T09:28:00.002-05:00

The time has come for me to host my very first jewelry party. And I must say, it isn't even over with and I will NEVER do one again. Not only is it costing me money - $30.00 in food and drinks for the guest, but a lot of time and energy making sure that there is a good turnout for the party. It is exhausting calling everyone to make sure that they remember that the party is tonight and that they have directions to my house. Don't get me wrong, I am glad to help a friend out who is starting a new side business. However, I feel that I have now done my duty and don't think that I will venture to do it again. This just isn't my thing.

So, I am crossing my fingers and hoping that my friends come to the party and buy jewelry. If I can get at least 12-15 girls to come, I will be happy.

Hearing - Part II

2008-08-22T13:04:00.002-05:00

I had my very first hearing in front of a Chancellor this morning. And guess what...it wasn't as bad as I had expected. I know everyone was telling me that it wasn't a big deal and that I would do fine, but those people had a significant amount of hearings under their belt. This was my very first one. The chancellor was very nice, I had all my ducks in a row, and she signed off on all the appropriate paperwork. I filed it with the chancery clerk's office and voila, my first case is under way! Oh the little things that bring me joy in life. This was made even more exciting by the fact that when I got to the car, the bf had left me a text message wishing me luck. That really made me smile.

Afterwards, on my way back to the office, I decided to stop by my last office that I left three weeks ago. It seems that I got out just in the nick of time. There was been drama, drama, and more drama, since I left. And let me tell you, I do not particularly like drama. I tend to prefer, peace and harmony. Ha.

Let me not kid myself though, I have not had peace and harmony at my new job either. Well, I take that back, in the office it has been very peaceful and harmonious, but the clients always call in an uproar and want to curse you out. What can I expect...they hired me because they were in a bind in the first place. Ha. However, it has been very interesting and full of experiences since I have arrived and I thank God everyday for making this an easy choice for me. I am super glad that I picked this firm over the others to come work for even if I lost out on potentially ($15K extra a year). Money isn't everything, right? My happiness has to count for something.

I hope everyone has a great weekend! My 3 year old niece is coming to stay the weekend so I am sure it will be interesting and exhausting.

2008-08-21T12:40:00.002-05:00

I finally have a free minute in my day to actually write a meaningful post, but guess what...I am too tired to think of anything meaningful on the financial front. I am struggling badly this month with my money. I have no set budget, have been out of town three weekends and am planning to go out of town for Labor Day, but have little to no money to my name. It sucks! That is about all I can say.

Gas prices are killing my budget. Food prices are killing my budget. Needless to say, my budget has been eliminated this month. Anyone with advice on how to better prepare starting next month, please send it my way.

Right now, I don't even want to think of my financial well-being because I am barely staying above water without charging on my credit card.

Hearing

2008-08-20T16:05:00.002-05:00

I HAVE MY FIRST HEARING IN FRONT OF A CHANCELLOR THIS FRIDAY MORNING. Is it okay to be nervous, because I am! While I am fully prepared, i.e. have all materials ready, it is still a little scary to go in front of the "big dogs." But it is exciting as well. I am sure once I get a couple under my belt, it will just be a job. I am now being to realize the look on people's faces when they were standing in front of the justice that I was working under at the Mississippi Supreme Court. However, I will be on a much smaller scale as far as importance (at least this is what I keep telling myself). Wish me luck!

Meal Plan Monday

2008-08-18T17:04:00.002-05:00

I know it has been a couple of Monday since I have posted a meal plan. Believe me when I tell you, I definitely spend more money without a set plan on what's for dinner during the week. I don't always follow a strict schedule, but going shopping and buying exactly what you need for at least five meals for the week helps out tremendously. It has gotten so out of hand, I cannot even begin to estimate the amount of money I have spent on food lately. With that being said, I am going to try and go back to Meal Plan Mondays. Up for this week:

Monday - Mozzarella Chicken with Spanish Rice
Tuesday - Chicken Piccata over Angel Hair Pasta
Wednesday - Pork Tenderloin with Veggies
Thursday - Tacos with chips and Salsa
Friday - Pizza

This weekend is up in the air.

$75

2008-08-18T10:50:00.002-05:00

I am going to have to rack up on the no spend days during the next two weeks. Not only do I have 4 left to meet my goal of 8 no-spend days for the month of August, but I only have $75 left in my checking account for the month. Having two HUGE spending weekends at the beginning of the month (Dave Matthews and Bachelorette Party) has depleted my monthly budget. It is going to be tough, but hopefully I can make it without drawing any money out of my emergency fund. Technically, I have $50 which I can pull out for the co-pay for my emergency room visit.

Lunch Out

2008-08-14T13:54:00.002-05:00

Every since I started this new job, I find it harder and harder to bring my lunch. (I guess not technically bring it, but eat it). At my last job, I was approximately 2 miles away from home. That was perfect! I got to leave the office, let my dogs out and eat lunch, all in the quiet space of my/or my bf's home. That is no longer the case. I now have a 12 mile commute to work, making it impractical (and almost impossible with only one hour) to go home for lunch. I have been attempting to bring my lunch with me to work, but let's face it...that sucks. Not so much the food, but the part about never leaving the office. I just cannot stay in my office and not take a little break from work. So, instead I have been going to lunch with my boss & co-workers. I know this is going to start getting rather expensive, that's where you all come in - what can I do to make bringing my lunch and staying at the office a better option? As sad as it is to say, the savings is not enough motivation.

Half Way There

2008-08-13T14:49:00.002-05:00

As of yesterday, I am half way to reaching my goal of 8 no spend days for the month of August. The best part is that it is only the 13th, so there are plenty more days ahead to reach this attainable goal.

For those of you who were going to participate in this challenge, how many no-spend days have you had thus far?

Bachelorette Party Spending

2008-08-12T14:54:00.003-05:00

I am sure all of you are dying to know if I was able to keep under my $150 spending budget for the bachelorette party. Let me preface my spending by saying that this does not include the spending for the Lingerie Shower (although that wasn't too bad). In fact, I ended up having plenty of help. The bride's sister sent $100 check to help, the bride's future sister-in-law brought two appetizers and the cake, and a friend of the bride brought alcohol for the weekend plus two appetizer. So split between my mother and I for the lingerie shower were - finger sandwiches, shrimp with cocktail sauce, dip with chips, cheese ball with Frito's, mints, punch and nuts. For about $45 a person. I spent the bride's sister's $100 on the decorations, plates, forks, cups, etc.

Now for the Bachelorette Party:
Hotel Room - $38
Dinner at Rendezvous - $30
Two lunches - $27.00
Gas - $25
Drinks (mostly bought by guys out on Beale Street) - $15.00

Total Spending - $135.

Emergency Fund

2008-08-11T09:44:00.002-05:00

I have been saving religiously in an Emergency Fund, and I am now thankful that I did. This past weekend in Memphis, I had an unfortunate accident and ended up breaking my thumb. (yes, you read that right, my thumb). I spent the better part of yesterday afternoon in the emergency room for a temporary split and made an appointment today to see a orthopedic doctor. I am not sure what this little accident is going to cost me, but I am sure it is not going to be cheap. I already had to pay a $50 co-pay at the ER yesterday.

The worst part is that I am in limbo as far as insurance goes. I am covered but with starting a new job I don't have all the paperwork processed or any insurance cards. I am not sure if I am going to have to pay out-of-pocket and then try to get the insurance company to reimburse me or what.

Lingerie Shower

2008-08-08T09:30:00.003-05:00

The time has come for the Lingerie Shower/Bachelorette Party weekend. We are going to have so much fun, I can hardly stand it. But of course, nothing ever goes exactly as planned...

For instance, Wednesday night I had two different girls call and RSVP for the shower. And while that is wonderful for the bride, it is trouble for me. I only booked one hotel suite (three queen beds) for six girls, well with two more coming that is eight girls in ONE room. I tried to call and get another room, but apparently it is the start of Elvis week in Memphis and every room is taken. Where are these people's manners? Who lacked in the etiquette department about RSVPing? It wouldn't be so bad, except we ARE GOING OUT OF TOWN. Where did you think that you were going to sleep? Both girls said they wouldn't mind sleeping on the floor (which is exactly where they are going to be), but come on girls, we are 26+ years old. We all have jobs and can afford a room without splitting one room between 8, count them 8, girls. And sleeping on the floor is the only solution. So girls - bring your blankets and pillows because it is going to be a long night.

In better news, I have so much fun stuff for the weekend. I have bling rings (thanks Sallie's Niece for the great idea), I have white boas because we are all wearing black dresses, I have candy necklaces, I have glow in the dark bracelets, I have a game of "truth or dare", I have the bride a "suck for a buck" t-shirt, and a fabulous veil.

Also, this is exactly what I need after a very stressful, fun, relatively easy-going, first week of work. It has been hard to plan all of this, but it will be well-worth it if the bride has a great time. She is truly one of the most thoughtful, considerate, nice, fun girls in my life.

And don't forget the budget, I am hoping to come out of this weekend spending less than $150.00. I will let you know if that is possible at the beginning of next week. So far, so good.

Breathe

2008-08-06T15:17:00.002-05:00

I cannot even begin to relay what a big difference this job is from my last job. My last job at the Court was not stressful at all, 35 hours a week, minimal work, slow, easy, and steady. This new job however, is none of those things. It is fast paced, exciting, challenging, mind-boggling, and a whole lot of fun. I have not gotten home before 7:00 after getting in at 8:00 that morning. I have been working non-stop and loving every minute of it. I definitely think that I have picked the right firm to work for and could not be happier with my decision. I now understand what people mean when they say, sometimes you just have to put it down and go home. I could be in this office non-stop for the rest of my life and never take a break. There is just that much to do. And boy does it make the day go by faster.

I LOVE the people in the office. They are helpful, understanding, courteous, and fun to be around. We laugh, joke, and are serious when something is urgent and needs to be done. I have been given my very first client of my own and actually had to call them today. But I was ready. I am ready to gain experience and begin the start of my career. And I am so glad to have family and friends that support that decision.

My father sent me flowers on my first day of work, and what a difference that made. To know that I have his support and that he knew this was going to be a stressful day for me. My mind has been running non-stop. I cannot seem to get a good night's rest because all the things that I have to do the next day are running though my head. Can you tell that I am excited? This is what I have been waiting for!!!!

Hectic

2008-08-05T08:49:00.002-05:00

Things have been really hectic around here with starting a new job. Just stay with me. I promise I will be back to posting regularly very soon.

As for any updates...I was able to stay within my budget for the Dave Matthews show this past weekend and hope to not spend more than $150 this upcoming weekend for my old roommates bachelorette party in Memphis. I have actually had several people help towards the cost which makes the whole experience better.

Food prices are drastically increasing. I have almost decreased my food budget for as far I as can without cutting out meat. That may be my next option if prices don't stop rising.

As soon as I can get the numbers crunched, I will post how I fared last month in my budget.

Updated Sidebars

2008-08-04T15:09:00.001-05:00

Emergency Fund - $715 (cannot wait to reach my $3000 limit and start saving for a new car!)

Travel Fund - $100

Gift Fund - $500 (Being prepared for Christmas is going to be so nice.)

Starting a New Chapter

2008-07-31T08:20:00.002-05:00

Today is my last day at the Mississippi Supreme Court. I am feeling so many emotions. I am thrilled, excited, hesitant, sad, inspired, the list could go on and on. I have had such a wonderful experience at the Court. From making new friends, having a great boss that is laid back and a pleasure to work for, having a great suite of employees willing to help each other out, flexible hours, long lunches, breakfast on Friday. . . you get the point. While I am hesitant to leave this job because it is familiar and I am great at it, I am really excited to start the beginning of a new chapter in my life. What I would classify as "REALLY practicing law." I know that this new chapter is not always going to be grand, but it probably is going to be a roller coaster with many ups and downs trying to find my way. However, that is half the fun - learning about yourself, your capabilities, and impressing others with your willingness to take on any obstacle.

I have the long weekend off to enjoy myself, and I am going to take the time to mentally prepare myself for this next chapter.

Anyone been through a similar experience lately that can lend some advice?

2008-07-30T10:28:00.002-05:00

I have a lot running through my head right now, so this is going to be sporadic.

I made my 8th no spend day for this month yesterday!

The only bad part is that I am sure that I will make up for it this weekend in Memphis. A girl can only save so much, right?

I spoke with my future boss yesterday.

My first day is Monday, so I am supposed to go by this afternoon and tell him how I want my office furniture to be placed. I am really excited. I have been working for the State for two years now, and we do not have such perks here. In fact, your furniture stays how "they" place it. I am also thrilled to meet everyone that I will be working with at my new office. I have only had the opportunity to meet some of the people, but today I will get a chance to meet EVERYONE. I hear only good things about the people that work in the office, so that is a good sign.

My jewelry came in yesterday.

I can finally mail my step-mother her birthday gift! (Her birthday was July 17th). Better late than never.

Otherwise, I don't really have too much going on in my world. I am super busy at work trying to wrap up all of my projects since tomorrow is my last day. I am driving home tomorrow after work to get my hair done Friday morning and then driving directly back to head to Memphis for the weekend. August is looking to be just as expensive as July. I am going to be broke....

Menu Plan Monday

2008-07-28T09:37:00.002-05:00

This week's menu is a little harder to put together. We have several evening obligations to attend.

Monday night one of the bf's best friend's from high school and her husband are in from San Diego and we are supposed to be going to dinner with them.

Tuesday - Spaghetti with toast. (This has been on the menu for weeks, but we have yet to eat it.)

Wednesday - Totinos - Cheap and easy. I have gone way over budget this month in food.

Thursday - The bf has another set of friends coming into town from Charlotte, NC. He is supposed to be having dinner with them. I am unable to make it because I am driving home Thursday night to get my hair cut on Friday morning and then heading straight back for our weekend in Memphis.

Friday - Rendezvous in Memphis.

Saturday - Unsure - we are heading to the Dave Matthews Concert.

Weekend Spending

2008-07-28T09:33:00.002-05:00

I didn't do too bad this past weekend in spending. Here is a recap:

Friday night - wine for dinner - $14.42.
Saturday - 2 books at border's. One for Bachelorette Party and one for myself - $29.19.
- Dinner - $50 gift certificate
Sunday - No Spend.

Grand total: $43.61.

Of course, it did help that my mother was in town and bought most of the meals. My bf bought our lunch on Saturday and I contributed a bottle of wine for Friday's dinner and $50 in a gift card on Saturday night, but other than that, Mom picked up the tab.

Networking

2008-07-25T09:24:00.001-05:00

While I am not as gun hoe about Premier Jewelry as most of the guest at the purse party last night, I did do some good networking. In fact, I met up with a lady last night that I had previously met and chatted with at the jewelry party I attended. She is a real estate agent and is looking for an attorney to close her loans. I told her about my new venture into private practice and we exchanged business cards. Guess what - she stopped by my new office and asked if I had started working there yet. When they told her I would not start until August 4, she said that she would be back. She relayed that my co-workers are really excited for me to come start working, and she is really excited to start doing business with my firm. Not only have I made a new friend, but I have made a new networking contact!

Such a Sucker

2008-07-24T14:42:00.001-05:00

That is me...summed up in a nutshell. I just broke my no-spend streak by purchasing a 70 cent snickers bar in the vending machine at work. I thought that I could resist, but just couldn't.

Frustrated

2008-07-24T14:16:00.002-05:00

As I previously mentioned, I am hosting a bachelorette party for my old roommate the second weekend of August. We are having her Lingerie shower at my house on Friday night and then heading to Memphis to party on Saturday night. I originally had wanted to plan her party closer to her wedding (in October), but the other girls that volunteered to help ALL wanted the second weekend in August. *

Well, yesterday I found out that ALL three other girls that volunteered to host her party have backed out and are not coming. Only one girl, her sister, is actually sending money to help defray the cost. This is frustrating because I do not have the money to cover all her expenses and I don't feel appropriate speaking with her about it. She has been a very dear and great friend to me and I know that if the situations were reversed she would plan my bachelorette party without any help. The help is not really the problem though because I can plan the party by myself, it is a money issue. The only solution that I can come up with, is after finding out who all is attending the events to send them an email asking for volunteers to bring appetizers to her Lingerie Shower. I expect whomever is staying in her hotel room is expecting to split her cost and at dinner/bars her friends are just going to have to pony up. Any other suggestions?

*The second weekend in August was inconvenient for me because I start my new job that week and am not sure what time I will get off for a party that starts at 7 at MY HOUSE.

Purse Night

2008-07-24T09:10:00.003-05:00

Tonight I am attending purse night! I learned about purse night when I attended my friends jewelry party last week. Since I am hosting a jewelry party next month, I get a free purse and to preview the new jewelry line that will be available at my party. I am super excited. I suspect the purse will be cute (I will try to post a pic tomorrow), but even if it is not my style, I will have a free Christmas gift.

Something really suck in my head at last week's jewelry party. The hostess stated that her two favorite prices were "free" and "half off." She's not the only one!

I am finding that this jewelry party is really a great idea. Not only am I getting to make new friends, but I am connecting with old friends. I cannot wait to have all the girls over.

I MADE MY GOAL OF 5 NO-SPEND DAYS YESTERDAY. AS I AM EXTREMELY OVER BUDGET THIS MONTH, IT WASN'T AS HARD AS I THOUGHT IT WOULD BE TO NOT SPEND A PENNY. I AM GOING TO CONTINUE ON MY STREAK AND HOPE TO GET MORE NO SPEND DAYS FOR THIS MONTH. THAT MEANS, NEXT MONTH'S GOAL INCREASES TO 8 NO SPEND DAYS! ANYONE ELSE WANT TO ACCEPT THIS CHALLENGE? WE CAN DO IT TOGETHER!

August Plans

2008-07-23T09:40:00.002-05:00

I have two very expensive weekends starting off August. The first weekend, the bf and I are heading up to Memphis to catch a Dave Matthews/Willie Nelson concert. Expenses include:

Ticket plus misc at concert - $100.00
Gas - $25 (we are riding up there with another couple)
Meals - $80 (one expensive dinner with drinks on Friday night and then Saturday and Sunday's lunch and dinner)
Vet - $30 (have to board my babies)
Birthday gift - $30 (t-shirt at concert. However, this will come out of my gift fund)

Total - $265
This money will come from various places including travel fund, gift fund, and groceries/dining out.

The following weekend I will be hosting my old roommate's bachelorette/lingerie party. We are again heading to Memphis. Expected cost for the weekend:

Food for Lingerie Shower - $100.00
Lingerie Gift - $30.00
Gas to Memphis -$35.00
Room - $75.00 (my share plus part of the bachelorette's)
Dinner - $50.00 (my share plus part of the bachelorette's)
Beale St. - $100.00 (my share plus part of the bachelorette's.)

Total - $390.00. WOW, things really add up.

I am hoping some of these costs will be defrayed by other friends willing to help. I may dish out some of the food responsibilities and others should help with her drinks and room. Needless to say, once the $390 is gone, that is all I have.

That is $655 in just two weekends. Look's like the other two will be low key.

Almost There

2008-07-22T09:13:00.001-05:00

I have almost made my goal of 5 no-spend days for the month of July. I hit #4 yesterday and it feels GREAT to be so close to a goal. Especially, since I have done so terrible on my budget this month. I am going to have to take Bailey's comment seriously and only eat mac & cheese for the remainder of the month if I run out of other food.

Menu Plan Monday

2008-07-21T11:22:00.002-05:00

Well, it is a start to a new week and a new menu! Here is what is on the list this week:

Monday - Spaghetti w/ toast or Meatloaf with oven roasted potatoes. (Haven't decided which one we will be having. We have turkey meat that needs to be eaten tonight. )
Tuesday - Blackened Chicken with Fettuccine
Wednesday - Pizza
Thursday - Baked BBQ Chicken, green beans, and rice
Friday - Tacos (I swear the bf loves Tacos and requests them every week.)
Saturday - Chicken Fajitas

Weekend Recap

2008-07-21T09:38:00.004-05:00

I was very good this weekend, but I must admit it was because I had a little help. . . my mother came to town!!!!

My mother arrived Thursday afternoon just in time for my 6:00 tennis match. It was fun to have my mother there to watch me play because she is a very talented tennis player so she had a lot of pointers at dinner later that night. I just started playing tennis this year and have been taking lessons. Of course, I make very common mistakes for beginners, but it was interesting to hear how to fix the mishaps.

Friday morning we got up and took the dogs for a walk. I usually take the dogs for about a thirty minute walk. However, my mom and I decided to go an hour. Well, after about 45 minutes, my little baby (he weigh 6.4 pounds) decides that he has had enough and sits down refusing to get up. I ended up having to pick him up and carry him the remainder of the way. It was too cute. He was protesting the walk. Afterwards we went to lunch, and then had a lovely girls day out getting our nails and toes done (mom's treat). Friday night was pretty uneventful. I cooked dinner and then read a book until I feel asleep.

Saturday morning I had my first private tennis lesson (I have been taking group lessons once a week). Then after a little yard work, the bf, my mother and I went to the lake. That made for a very relaxing Saturday afternoon. We cruised the lake on the boat for about 5 hours at which time we were all starving and decided to cook steaks, asparagus, corn and baked potatoes. It was delicious!

Sunday we did it all over again at the lake except this time I got burned. The sacrifices we make to have fun. :)

My mom leaves today after lunch. I hate to see her go. We have such a great time every time she comes to visit. It would be nice if we lived in the same town.

FYI - I had my third no spend day on Sunday!!! Only two more to go to reach this month's challenge of 5 no-spend days. I think next month I may increase the number to 8. I will have to see it I hit my goal this month. Otherwise, it will stay at 5 until I can achieve it.

2008-07-17T14:20:00.002-05:00

Because I have been a little over zealous this month with spending, I had to withdraw $200.00 out of my emergency fund to make it through the rest of the month. I am hoping that I can manage NOT to spend all of the $200.00 and be able to replace some of the withdrawn funds at the end of the month. However, I have gone over in several categories.

So far the damage is:

Groceries - $301.26/$300
Shopping - $418.46/$150.00
Gas/Auto Maintenance - $247.36/$160

(Keep in mind that there are still two weeks left in July. I filled up my car yesterday with gas so maybe (highly unlikely) I will be able to wait until August before filling up again. But, I know that I will need to buy more food before the month is complete.)

Jewelry Party Part 2

2008-07-16T10:18:00.002-05:00

As I am sure that most you can guess, I am a sucker and ending up spending $48.69 at the Premier Jewelry Party last night. But, I killed two birds with one stone. Not only did I get myself two cute bracelets and a scarf, but I got my step-mother a birthday gift.

I got one bracelet by signing up to host a party in August. And guess what - I get 30% of my sales to use towards FREE jewelry. And if my guest spend over $450, I get 50% of my sales. Sounds great to me because there was a lot of very cute, affordable, jewelry that I would love to add to my collection for my new job.

In addition, by signing up to host a party I got my step-mother's gift for $10. I only had to purchase one item. (This is how I got suckered into buying the second bracelet that I got). If I didn't buy one item I had to pay full price for my step-mother's bracelet which cost $49.00. So, in the end, I won by getting both bracelets for $48.69.

I got the scarf for free also!

Although I have attended several of these parties, I have never actually hosted one. I think it is time my friends re-pay the favor and come over to shop!

Jewerly Party

2008-07-15T09:32:00.001-05:00

One of my friends is having a premier designer jewelry party at her house tonight. You know the kind of party where you invite people over and then YOU, as the hostess, gets free or discounted stuff depending on how much your friend's spend. I told her that I would come, but I have absolutely no money to my name. I have gone a little wild this month spending (see Michael Kors purse) and I am at the point of no return. Is it rude to go to the party and not buy anything? I don't want to not show up at all, especially since I told her that I would be there, but I "DO NOT" have any money. What if I bring a friend that I know will spend money, would that be better? Have any of you ever been in this situation and if yes, how did you handle it?

Menu Plan Monday

2008-07-14T09:22:00.003-05:00

It is the start of a new week and a new menu. This week I will be eating:

Monday - Lasagna, bread and salad
Tuesday - Hot dogs with chips
Wednesday - Dirty Rice
Thursday - Tacos
Friday - Spaghetti with Marinara Bread sticks
Saturday - I have yet to decide what we are having. We invited the neighbors that live across the street from the bf to come over and have dinner. So, we have to make something yummy.
Sunday - Leftovers

Weekend Spending - OUCH

2008-07-13T13:53:00.003-05:00

I think this weekend has caused me to go over in almost every category. I have spent relentlessly. But on things that I had to spend on.

I finally, I mean FINALLY, got my oil changed. Along with the oil change, I needed new windshield wipers and an air filter. Grand total at the shop - $75.16.

Then lunch on Saturday at a bbq restaurant for the bf and I - $12.60. A friend from high school of the bf's just opened this bbq restaurant and we told him that we would check it out.

Dinner Saturday night: $49.32. This included rib eye steak, baked potatoes, salad, and apple pie with ice cream for 3. It was delicious. We were cooking out at a friend's house.

Then the bf and I went on our weekly run to the grocery store (Walmart). We spent a lot. I hope that it is going to last us through most of the month because my grocery budget is minimal. For $126.35 (the bf and I split this, so my part wasn't this much) we got:

Bananas,
Brown Rice,
8 x 8 baking pan,
Fudge Ice Cream Pops,
3 lbs ground turkey,
Skewers,
2 cans of Tomato Sauce,
Flour,
Mozzarella Cheese,
6 Smart Ones,
Grapes,
Spinach,
Pepper Jack Chicken Dinner,
Hot Dog Buns,
3 Bell Peppers,
2 boxes of Corn Bread Mix,
Taco Dinner Kit,
Potatoes,
Onion Powder,
Onion Salt,
Garlic Powder,
Onion Soup Mix,
Onions,
5 lbs hamburger meat,
24 pack diet coke,
Shaving Cream,
Barrettes,
Deodorant,
All Detergent,
Dirty Rice,
Trash Bags

Grand Total for the Weekend - $207.43

I've Been B-A-D

2008-07-11T13:32:00.002-05:00

I have had this obsession lately with buying a new purse. Not only do I want one purse, but I want two. One chic bag for work and one clutch for the evening. Can you blame a women? So, after scouring ebay . . . I have finally purchased the work purse. It is a Michael Kors Chesterfield, medium sized, shiny black patent leather, satchel. It is absolutely adorable. Not to mention that I got it for a fraction of the actual cost. Essentially, I paid $157 for a bag that retails for $348 + tax. I cannot wait to get this little beauty in the mail. Wanna see a picture?

2nd No Spend

2008-07-11T10:37:00.001-05:00

I had another no spend day yesterday, although I did drive a LOT. That is 2/5 for this month so far. It actually isn't as hard as I thought that it would be. I just have a feeling that on the days that I do spend, I am going to be spending more. We shall see. Now, if only I can continue the no spend streak through the weekend. I doubt it though, I really need groceries.

CHANGE

2008-07-10T10:48:00.002-05:00

I am beginning to get really nervous about starting my new job in August. It is not the feeling of not being qualified, it is the fact that it is change. A change in surroundings, a change in work, a change in people and a change in pay. There are a lot of money expenses that I have yet to work out.

First, my commute is increasing from about 4 miles round-trip to 30 miles round-trip. That means, either my gas budget will have to increase or I will have to move closer to work. I am not sure which option is better. Currently, I live in a 2 bedroom, 2 bathroom house with a friend. Living with a roommate keeps my cost of living low. I split rent and all bills. If I move, I will have to rent a place on my own for an extra $300, plus pay all bills alone. I don't think that I will be spending an extra $400 in gas every month for the longer commute. But gas prices are not the only consideration. I will have the wear and tear on my already 7 year old car. I won't be able to go home for lunch to let the dog out. And I will have to wake up at least an hour earlier (30 min commute and have to be at work 30 mins earlier). However, the bf will still be in the same location which is close to my current residence. Logically, we would split our time between our two places, but then we are both spending money on gas. Another solution may be to buy a new car that gets far better gas mileage. I will start a car fund soon and snowflake my ending balance each month into that account. Additionally, I can probably get about $7,000 for the car I currently own.

Second, I will have the cost of business cards, and possibly the cost of having to be admitted to more courts to practice law. This is NOT cheap people.

Basically, too many things are running through my head about starting my new job. Needless to say, I am starting to become stressed.

How have you coped in the past to starting a new job? Should I move closer to work or stay put? Do you think buying a new car with better gas mileage is a better option? The $400 I would spend to rent a new place each month could go towards a car payment and insurance.

No Spend

2008-07-09T09:29:00.003-05:00

Yesterday was my first no spend day for the month. I don't usually have very many of these, but maybe I will set a new goal for myself for this month and try to have at least five no spend days.

How many days in a month do you usually not spend a dime?

Chicken Piccata

2008-07-08T10:19:00.002-05:00

anja3582 left me several great and easy recipes. I will give them a shot and let everyone know how they turn out. I know that the bf will be glad to eat something new since my recipe collection is rather limited. I finally made the chicken piccata last night. This is the bf's favorite recipe, so I thought I would share it since it is super easy to make and delicious. Of course, I cannot take credit for it, it came from about.com.

6 to 8 chicken breast halves, boneless, no skin (I used chicken strips. They are easier to cook and tend to brown better.)
1/2 cup flour
1 1/2 teaspoons salt
1/4 teaspoon freshly ground pepper
1/2 teaspoon paprika, or to taste
3 tablespoons butter
2 tablespoons olive oil
1/4 cup chicken broth or water
3 tablespoons fresh lemon juice
6 to 8 thin slices of lemon
3 tablespoons capers (optional)

Preparation:
Put chicken breasts between 2 sheets of waxed paper or plastic wrap; pound to flatten to about 1/4-inch.
In a shallow bowl, combine flour, salt, pepper and paprika; dredge chicken breasts to coat well.
Heat butter and olive oil in a large skillet. Sauté chicken breasts in batches, about 3 minutes on each side.
Drain off all but 2 tablespoons of fat. Stir in chicken broth, scraping to loosen browned bits. Add lemon juice and heat through. Return chicken to the skillet with the lemon slices; heat until sauce thickens. Add capers, if using. Serve with your favorite pasta (I love angel hair pasta).

Menu Plan Monday

2008-07-07T14:57:00.002-05:00

I must confess. . . every week while planning my menu I never stick with the particular days that I have down to make a certain meal. The menu plan is more of a guide to know what needs to be bought for the week so that I can survive with the food in the house. Because I had a rather expensive weekend and plan to have another in two weekends, I am hoping to make meals out of food already at the house. With that being said, here is my week's menu:

Monday - Chicken Piccata. I have had this on my menu every week for the past three weeks and have yet to make it. That means, I have all the necessary ingredients. So, I will definitely be eating this tonight.
Tuesday - Lemon Basil Pasta with Shrimp
Wednesday - Tacos with Salsa and Chips
Thursday - Baked Chicken, Rice, and Veggies
Friday - Spaghetti

I am unsure of what I have in the house to make for Saturday and Sunday. I know that I have a couple more packages of chicken and maybe one more package of hamburger meat. I will let you know what I have once it has been decided. I am pretty happy with this week's menu and hope that it saves me some money. I sure need it to. I don't know whether it is because it is summer time and I have more time after work to shop, but I have been spending money as fast as I make it. Not good :(

2008-07-07T09:53:00.004-05:00

I had a great 4th of July at the beach. We got to the beach late Thursday night and went out and had a few drinks with some friends. The bf bought most of my drinks so I only spent about $15 at the bar. We got up early Friday morning, the bf went and got the boat out of dry storage while I made sandwiches and snacks for the afternoon. We headed out to Crab Island for the entire day and got back to the condo just before the fireworks started at 9. We were so tired from the long day on the water, we went to bed early. The next morning we did it all over again. But Saturday night we went out to eat at a really nice restaurant for dinner. Afterwards we headed to the bar for a few drinks. My total at the bar was $33.
Gas for the trip - $76.37
Ice for the boat - $6.14
Drinks for the boat - $20.82
Drinks at the bar Friday - $15
Drinks at the bar Saturday - $33.00

Grand total for the 4th of July weekend - $151.33. That means that I only went $1.33 over budget for the long weekend. Not to shabby.

Happy Independence Day

2008-07-03T11:44:00.002-05:00

I will be out of pocket for the 4th and through the weekend so I wanted to say: HAPPY INDEPENDENCE DAY AMERICA! I hope everyone has a safe and happy 4th of July. I will be soaking up some rays and watching fireworks. Maybe a hamburger and hotdog in there too. My main goal for the holiday/weekend is to keep track of receipts and the categories I spent in. I tend to let my financial tracking slide while out of town. This weekend is going to be an attempt to do better. Will report back on Monday. Until then. . .

July Expenses

2008-07-02T10:21:00.003-05:00

We are starting off July with an expensive meal out. My bf's college roommate, his wife, and their new baby are coming into town today. We are planning on meeting them out for dinner. With food and drinks, we are probably talking about $100.00. Which I am sure will be well worth it. The bf rarely gets to see his college roommate because he lives 6 hours away and they just had a baby. We went and bought a baby gift last night, but the bf paid so I will probably try to split dinner with him.

Besides tonight, this weekend is also going to be pretty expensive. We are leaving tomorrow after work to head to the beach until Sunday for the 4th of July. It is a tradition for the bf and I to go to the beach, spend all day out in the boat, and then watch the fireworks. I am pretty excited! However, we tend to eat out every meal except for breakfast. So, I am budgeting $100.00 for food and $50 for my share of the gas.

Other expenses for the month include:
a $200 registration fee for a convention which I am attending July 15-20.
gas and food while at the convention.
two birthday gifts.
several happy hours to celebrate friends birthdays.

The good news. . . I have two free weekends when I will be in town and don't have any plans. Hopefully during those two weekends I will be able to recoup the money that I am spending.