Monday, April 30, 2012

A third of the year is gone already...

Where does the time go?  I can't believe we've already finished up 1/3 of the year!  While I'm not where I want to be with my goals, I'm making progress and all things are pointing to the bottom line looking SO much better by the time we are 2/3 of the way done with the year.  We're coming up on my favorite time of year and the one in which I tend to spend the least amount of money!  April always hits me hard because I have several big expenses to pay for, now it's smooth sailing for me until we get closer to the holidays.  The longer days are such a great thing, I can spend more time outside and relaxing with a good book or by the pool at my condo that I pay for regardless of whether I use it or not, might as well use it.  :)  I'm looking forward to seeing how little I can spend, while still having some fun.  I plan to be a tourist this summer in my own town and finally see several places here that I've never been to, even though I've lived here my entire 40 years.  Should be fun to get out and explore some new areas.  I have so much vacation time to use up and if I don't use it, I lose it.  That's not going to happen!  I'm looking forward to May 1st and seeing the change in my spending and how I'm looking at each and every purchase I make.  My goal is to have my car and credit card paid off by 12/31/13.  That will leave me with only my mortgage and the remainder of my debt to my parents, which they refuse to take more than $2,000/year in payments for, so I'll put the extra toward retirement and my mortgage.  :) 

I hope you are all having a wonderful spring! 

Current debt:  $243,615.69

Thursday, April 26, 2012

Ever tried Advocare???

I have been wanting to do an herbal cleanse for quite some time now and I've been really slow about getting on it.  When I was discussing this with a friend of mine, she mentioned that she's a distributor for Advocare and recommended that I try theirs.  I was a little reluctant, but thought what the heck, I'll give it a try.  She mentioned that if I became a distributor, I'd get the products at a discount, not to mention with signing up, I would get a lot of their drinks as well with my starter kit.  So far, I've been thrilled with all of the products I've tried.  I even ventured in to the skin care a bit, something I rarely do because I have very dry and sensitive skin.  The Advocare has been GREAT, very subtle and non irritating.  My skin has never been so soft and feels wonderful!  I'm thrilled with all the products thus far.  Does anyone else have experience with Advocare? 

If you're interested, check it out.  https://www.advocare.com/120424311

Current debt:  $243,565.24 

Wednesday, April 25, 2012

Refinance complete...

So, just yesterday I was able to complete the refinance on my condo and lowered my interested rate a full 2%!!  Up until now, I had a 5/1 Interest only ARM and it was due to shift rates.  While this would have been fine, it was only going to stay the current rate for 12 months and then it could shift every 12 months for the remaining 24 years.  That is a stress that I do not need to have on my head.  So, I've locked in now for 30 years at 4.125% and will finally be making payments toward reducing the principal as well.  Although, all along, I've been paying extra to reduce the principal, it's just that it was an interest only loan.  Something I would not recommend, but as we all do, we learn some lessons the hard way.  But, now that I know what it's going to cost me to pay it off and there won't be any surprises, I feel like I can really start to make progress on the mortgage and other debt and really see the big picture. 

Current debt:  $243,565.24

Monday, April 16, 2012

Pretty inexpensive weekend...

We finally had some GREAT spring weather around here and I spent most of the weekend outside enjoying it! Saturday started with a 5 mile walk and ended watching a baseball game, both totally free things to do. Sunday was a little overcast in the morning, but not bad enough to not get out for a walk, so out I went. Then a trip to Ikea. I don't think I've ever gotten out of there so cheaply!! Only $20.15!! Sure, I could have spent several hundred $$, but I'm trying something new...I am going to think about several of the things I saw and wanted and I will save up the money to buy them. I figure this will either make me take my time buying something, or I will decide I didn't really want/need it to begin with. I'm working really hard on not using my credit card and slowly paying it off. I've been in the vicious cycle for too long of making a large payment, then coming up short of cash for things and pulling the card out. NO MORE!! I've also been writing down EVERY single penny I am spending and this is making me very aware of the way I tend to nickel and dime my way further in to debt all the time. No more! If I don't have the cash to pay for it, I don't need it. Wish me luck!

Current debt: $240,686.82 (seems to be stuck here...)

Thursday, April 12, 2012

Updating net worth...

Wow! That was depressing! I just updated my net worth with real values for things and my house plummeted, just like most everyone else and it really makes for an ugly bottom line. Oh well! At least I still have my house and I am in a good position to work on getting it paid down and hopefully values will turn around soon. I'm not looking at it as a short term investment, so I've got plenty of time for it to regain it's value.

Anyone else looking at real values?

Current debt: $240,686.82

Wednesday, April 11, 2012

No news is good news...

Not much to report from around here, just plugging along. My refinance is all set and moving along well, should close next week and I've paid one of my big April expenses, one more to go, but I'm not transferring the money from savings until it is closer to being due. I have to make my annual loan payment to my parents on April 27th, so I'll transfer the money right before that in to my checking account.

I had a nice quiet weekend at home alone, the former BF, now currently my roommate, was out of town and I enjoyed the peace and quiet and the solitude. :) Friday night I stayed home and did laundry, cleaned, watch what I wanted on TV and puttered around. Saturday I went to a friend's son's baseball game then did a little shopping and came home to enjoy the rest of the day reading and watching a movie. Got all of my Easter stuff put together and ready for Sunday, then spend Easter out at my parents with my brother and his family. It was a lovely weekend. Very mellow and relaxing!

This upcoming weekend is looking to be much the same, not too much going on and I'm looking forward to it. These kinds of weekends are much needed, both for their relaxing potential and the minimal spending that happens. I'm looking forward to the weather continuing to get nicer and being able to be outside more and more.

I have some vacation time coming up next month with little planned other than some down time and my mom and I have a few day trips planned. Looking forward to that.

I hope you all had a wonderful Easter holiday and are enjoying this spring!

Current debt: $240,686.82