It’s March Already?

Written on March 10, 2017 at 10:59 am
Filed under: Personal

So the ‘blogging more here’ goal is not panning out very well. But elsewhere it hasn’t been too bad.

I’m working away on my goals of saving up for my NYC trip, as well as general savings – except now those general saving goals have more specific monetary amounts and purposes in mind. $200,000 towards a house and $30,000 towards a wedding1. With those goals in mind, I’ve been picking up extra shifts here and there. Because I’m already full time, any extra shifts are automatically double time – and I’ve even managed to pick up a few shifts at triple time. My goal is to do 1-2 extra shifts per month. I was originally thinking 2-3 extra per month, but some months it gets a bit difficult with the fact that I just don’t want to and I want to have something that resembles a life. I’m hoping to do 1-2 this month, and then a few in April since I have time off (and no plans to go anywhere – yet). The extra money is nice, I shuffle it away into savings as soon as the direct deposit hits. Out of sight, out of mind.

I will also be halfway to my 6 month emergency fund goal this month. Because of the stability of my job, I’m not sure if I want to continue padding the emergency fund or not. I may shuffle extra money towards my other saving goals in the mean time since I don’t really need a full 6 months at this time – this will probably change when a house is actually a reality, or when I have children – mostly because emergency house expenses are just so much more than my current expenses are at this time.

As for my eating out goals/budgeting – so far so good. I’ve been keeping at or just under $100/month on eating out, and I’ve managed to keep my grocery budget pretty much on the nose. I budget $150/month for groceries and household goods (household goods being things like: shampoo/conditioner, toilet paper, cleaning supplies, etc.), and have been pretty good on it. It was like the ultimate adult realization when I came to terms with the fact that if I don’t do the grocery shopping, there’s nothing eat. I have a tiny pantry stockpile of food for when there’s nothing fresh in the fridge – so like boxed dried pasta, jarred pasta sauce, canned tuna, condensed soups and the like. I also only buy meats now when it’s on sale, invested in a box of freezer bags, and portion things out. I could spend more on eating out or groceries, but the saving goals are more tangible to me now that there’s an actual purpose behind it and I’m far more focused on that. I figured as long as I eat well, that’s what really matters.

Works been going pretty well. Still striving to find the balance between work-family-friends-hobbies, so many hats to wear, so little time.

  1. Not engaged yet, but we decided to both be saving for it.

Bye 2016; Hello 2017

Written on January 3, 2017 at 7:20 pm
Filed under: Personal

It has been a really long time since I last blogged. Life and other things got in the way, but hopefully I’ll make this a regular habit again (maybe, sort of).

A recap of 2016:

  • I bought my very first car (a 2016 Mazda3 Sport/hatchback) – in March
  • I got a full-time permanent position, complete with benefits and pension – in June
  • I moved out of my parents home for the very first time – in July
  • I got better at budgeting (I’ve been using YNAB4 since 2015)
  • I told my parents about Clay (loooooong overdue) – in November
  • They seem to like him! – still accurate

Goals for 2017:

  • Read more and craft more – I focused a lot on work/my career in 2016. It’s time to spend some time on me on my days off.
  • Eat better – I’ve decided to cut out fast food for the most part. I tend to go through the drive thru on my way home from work at the end of a set of shifts. I’ve decided to eliminate that, as well as solo fast food eating. I’m hoping to cut my restaurant/eating out monthly budget/limit to $100/month. In 2016, I averaged $150-200/month in this category. I’m getting more into meal prepping/planning, so I’m hoping to continue this trend.
  • Exercise??? The development that I moved into has great amenities – it includes a yoga studio and a fitness room with equipment. I’m hoping to utilize these amenities since I already contribute to it (via strata).
  • Save with purpose – I have a trip planned for October this year that’s to NYC and will be quite expensive. I also have other vacation days booked off already, but I’m not 100% sure if I will be going anywhere or just enjoying time off work.
  • Save more generally – my financial goals this year are to finish squirreling away money for my emergency fund (4-6 months of expenses) and to start saving for a future house down payment for down the line (most likely by 2019).
  • Blog more – this goes for blogging here, as well as on BlytheLife.com and OneMoreSteep.com (my Blythe/doll blog, and my tea review blog).

Twenty-seven

Written on November 7, 2016 at 12:05 am
Filed under: Personal with tags: ,

I wrote this a couple a days ago, as I wanted to reflect a little bit on the whole turning “twenty-seven” thing. That and I have to work a day shift on my actual birthday – which means waking up early and then going to sleep early because I’ve got a day shift the next day too (lame).

This will be the first year that I have a permanent full time job, which is pretty exciting. A lot has changed in the last year. I changed jobs (casual to full time, different hospitals), I bought a car (and now have a lovely monthly car payment), I moved out of my parents’ house, and I’m doing okay. It’s weird having a job and an income now because it means that I have money that I can use to buy things, and can afford (in theory) to go places. Or something like that.

Over the next year, I’d love to do a few things:

  • Continue with the saving for what I’m very generically referring to as The Future. This is primarily Future Home/Real Estate Purchasing. Because apparently that costs money $$.
  • Finish funding my emergency fund. I started this earlier this year, my goal is to reach 6mos of expenses and I’m currently halfway there.
  • Go on vacation. I have one trip planned (not booked) for New York City next October, and I want to include seeing a Broadway play in that as well.

Still have some growing up to do (although apparently I’m an adult now, who knew?), but we’ll see what the future holds. I do have some goals/things that I would like to do before I turn thirty, but I think I’ll save that for another post.

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