Fruitbowlk's Personal Finance Blog

Hello SA,

I haven't been on here for a while. I have been unemployed for three week. I'm hoping to find a job soon though. I'm taking classes and looking into going back to school for my BA. Finances are good, can't complain.

Hello All,

I am excited to announce that I have completed my 6 months FFEF. I’m stoked. I really can't believe that I'm here. This is such an amazing feeling. WOW WOW WOW. Even though my goal is an 8 months FFEF this is a great big accomplishment for me. I'm feeling so blessed.


Have a great day SA.

I'm doing a great job saving for my eight month EF but I'm saving too much because I don't have sufficient funds for my bills. I think I'm over doing it. I do have a budget but do it a few days before payday. Nothing really changes as far as the bills. I would hate to downsize what I'm saving for my EF but I think I might have to. Oh well I have to be able to pay my bills and saving a good amount of money for my EF before my job ends in August.

I just found a minor account that is giving 6% for the first $1,000. I think that's unheard of now days I had to jump on it.

I'm am looking into opening an esa for my daughter. I'm on babystep 3 but should be moving on in the next couple of months.

I have decided to save all of the overtime that I will receive in my paycheck and add it to my EF. That should allow me to saving enough to survive the period that I will be out of a job.

Great Day everyone,

I ordered a kids program online yesterday but didn't go the correct link which was offering 20% off so I decided to call the site to see if they would refund me 20% and with no hesitation the rep said of course. This is all so new to me I normally just let it go but I realize that it doesn't make sense to continue to do so. Why should I pay full price for an item that is discounted?

I have finally completed my emergency fund for the year of 2010. I have set a goal where I would have like to have been by the end of 2010 and I have achieved that milestone. It’s so exciting to have gotten here. I tell you I would have never thought looking back that I would be where I am today financially I’m so grateful and full of joy. In spite of everything I’m facing in the upcoming year I have never felt so financially confident and really for my challenges.

SN:
My windshield cracked so I have to get my windshield replaced but just like Dave said when you have an EF it's more of an inconvenience than a stress matter.

Enjoy your day SA.

I have done really well this year and I have a lot of big changes coming up for 2011 but I have decided to work on these for the upcoming year.

1. Find a new job.

2. Start some classes towards my bachelor's degree.

3. Keep up with my monthly budget.

4. Continue to buld up my EF.

5. Increase my retirement contribution 6%.

6. Start a ESA College fund for my daughter.

7. Continue to save for a house down payment.

I got my end of the year bonus which went to my EF account. We just found out we won't be getting a merit raise this year. I cashed out 20 hours of pto time. I hoping to place that in my EF account also. I needed some new tires so I had to take a few hundreds out for those which will be replace on payday.

I have been missing in action for a couple of months. I have been saving like crazy not completely on target but I still have a month to see what will happen. Nothing too new going on starting to look for a new job since mine is ending in around 8 months. I need to look into new car insurance since it's connect to my job and other insurances that is also connect to my job. Looking forward to a new phase in life in 2011.

I'm such a goal Oriented person that when I saw this I jumped for joy. This is exactly want I been waiting for. I have set two goals and I'm ahead of my savings goal. And my target day is far off I'm very excited about this.

I went on a 7 day cruise last week to the western carribean and it was the best time ever. While I was there I got two calls for a job.

I was losing concentration for a minute on my finances but I'm back on track and more dedicated than ever. I'm setting goals again and I'm excited to meet them. My first Goal hopefully will be met at the end of this month.

I finally order my computer so I can start to move on to the next major thing which is fully fund my EF. It's been hard try to get pass the three month mark but I know I will do it. I going hard on this to make it to my 6-8 months I would like to save.

We went to do our taxes which turned out the be the largest we ever received to date. And I was not impressed. The tax preparer being to tell me how we could get more at the end of the year. I told her I didn't want more at the end of the year I wanted more in my paycheck through out the year she had nothing to say. Isn't it funny when you have finanical peace Income refund checks are not the light of your day.

I love the fact that I have a 10 year old paid off car but it is giving me hell. Everytime I turn around it has to be fixed. I will admint some of the breaks are my fault but Please give me a break. I am doing very good with my savings but this car keeps draining it. It is taking me way too long to get my EF where I would like it to be. I would like to move on and start to save for my house. They have such great deals out there now. I want to pull my hair out.

Thanks for reading my rant.

I never thought about my net worth until I started reading the blogs. It's exciting to see how your net worth changes.(especially if it going up)

I have done really well this year and I have decided to work on these for the upcoming year.

1. Keep up with my monthly budget.-Completed

2. Save 3 to 8 months of expenses in savings.-Five months

3. Fully fund my Roth IRAs -Nope

4. Start a College funding for my child.-Nope

5. Continue to save for a house down payment.-Work in progress.

We cash in my dd coins every year and this year we saved 188.00 to be deposited in her saving account. How exciting.

Just found out I will be receiving and end of the year bonus. I think I will be going to get my IMac with this bonus. I'm excited.

It's that time of year again where I can cash out my vacation time. I am able to cash out 40 hours. I'm excited. I will be adding this to my EF.

I just went to see and life insurance/financial advisor and he was very inpress with what I have going on. I was laughting on the inside. He asked did I have someone advising me with my money. I said Suze Orman/Dave Ramsey/Books. lol And of course you guys. I feel good. I have to admit I have never been in a better financial situation and it feels great.

I met my Christmas Fund goal. Yahoo.

Knock on woods. I'm doing better with my EF. I'm back to my starter EF. I hope nothing comes up where it has to be depleted again. I also came up with a conclusion. I will take all the money I have saved in my other funds and put them towards my EF. I'm so far away from my goal of 5,000 by the end of the year. But doing the above will get my very close. I never know what might happen to push me to my goal only time will tell. Wish me luck.

I sold my dd old clothes and got $85.00 for them. Really more than that sold but I had to pay the people that sould them a percentage. But it's all good because we made a little profit andt he clothes are out of my way. The money will go towards my dd savings account.

I started going to Savers club meeting through my credit union every month and it's great. Next month we will focus on shopping and saving.

Man it has been a while since I have had money left over after I paid all my bills. A whopping $600. I spent $300 to take a weekend vacation and is going spend $100 to pay on my cruise and the rest is going to savings. I feel so blessed. It is great to be debt free.

It seem to be so hard to keep my emergency fund above 1,000. My goal is to have 5,000 by the end of the year but I losting my hope. I have to come up with another plan so that I can meet the goal. It think i am going to a slump. I still saving very well but it seam like i'm going backward instead of fowards I get to get excited about savings again.

Man everytime I think I have a handle on things I get screwed. So I have made an appointment to get my car it's yearly inspection. I know I need two back tires and my axle fix. Now i have to get my side mirror fix. I broke it this morning try to back out of my job's garage lane. I was in the wrong lane. I'm so pissed. I hope it doesn't cost me more than $500. I was hopping for $300 at first.

I took the train for the first time yesterday. I had to go to dc for a class. I think it might be one of the ways that I might start traveling. Do anyone take takes trains and buses in stead of driving? Is this cheaper or more expensive than driving yourself?