Wednesday, March 31, 2010
CAR PAID OFF!!!
Monday, March 22, 2010
Balancing responsibility and fun
With my larger-than-expected tax return, I paid off a large part of my car loan--leaving me with just $384 on the little bugger.
And after another unexpectedly large (deliciously so) financial windfall, I knew I was going to commit a large chunk to savings and a smaller chunk to debt repayment. And then I decided that I wanted to blow part of it.
Now mind you, I'm in debt. I recognize that fact. I'm actually moving a big part of my credit card debt over to a LendingClub loan to reduce the interest rate (by 2%... not a ton) and to get it 100% in my name only (it's currently on a shared card w/my mom).
So debt is on my mind. However, I have two years to go. And that's with the purse strings gathered so tight that you could play a Bach violin sonata on them.
I've been doing really well. So I decided that with the delicious windfall, I would save 40%, pay debt with 30%, and blow 30%.
That makes me happy. I get to have some fun and I feel more secure by building a bit more of a savings cushion. It's still more like a travel pillow than a sofa bed, but it's a bigger cushion than I've had. And it means I can flow more bills that come from left field, including cat dental work.
Yes, I'm having a mini vacation from my debt slog. And I feel good about it.
And after another unexpectedly large (deliciously so) financial windfall, I knew I was going to commit a large chunk to savings and a smaller chunk to debt repayment. And then I decided that I wanted to blow part of it.
Now mind you, I'm in debt. I recognize that fact. I'm actually moving a big part of my credit card debt over to a LendingClub loan to reduce the interest rate (by 2%... not a ton) and to get it 100% in my name only (it's currently on a shared card w/my mom).
So debt is on my mind. However, I have two years to go. And that's with the purse strings gathered so tight that you could play a Bach violin sonata on them.
I've been doing really well. So I decided that with the delicious windfall, I would save 40%, pay debt with 30%, and blow 30%.
That makes me happy. I get to have some fun and I feel more secure by building a bit more of a savings cushion. It's still more like a travel pillow than a sofa bed, but it's a bigger cushion than I've had. And it means I can flow more bills that come from left field, including cat dental work.
Yes, I'm having a mini vacation from my debt slog. And I feel good about it.
Tuesday, March 02, 2010
March goals
It's the start of the month and it's nice to have something to be living for. So here are a few of the things I'd like to do this month:
- Financial: Pay off my car loan; start funding my bonus account
- Personal: Let go of my anger towards the hair woman--who still owes me $95 that I'm pretty sure I won't get.
- Hobbies: Make a dress using my new dressform; finish the skirt I started.
- Social: Happy hour with my work girls; happy hour with my club girls; Oscar party; make plans for an April outing with one of the couples we've promised to meet up with.
- Fitness: Do yoga at least once a week (preferably twice); run the same number of times as I do yoga.
- Home: Keep it clean; hang up my clothes!; spend 15 minutes a day neatening.
- Freelance: Borrow some web design books from the library; look for web design classes nearby.
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