Added up the change that was left in the change jug after we raided it this weekend, so I'll add that to the total.
Current Savings: $18,293.32
Total Savings: $19,159.83
Tuesday, October 16, 2007
Update Ad Nauseum
Okay, I'd pretty much stopped blogging for a while, so I'll start from scratch again.
Brick and Mortar Savings: $283.64
My Online Checking: $500.00
Brokerage: $100
Credit Union: $1719.00 (apparently it has been earning interest)
CDOne: $8446.93
CDTwo: $6755.53
Online Savings: $362.74
Our Online Checking: $16.99
Total: $18,283.32
Part of the reason the number is smaller than it was before is that a) my wife and I spent most of the change jug this weekend at a festival, and b) we let a relative borrow $240, which cost another $20 to wire.
However, here's what should be coming in:
Relative Payment- $200
Other Relative Payment- $410
Paycheck- $255
Total= $865
That means our Total Savings= $19,149.83
Brick and Mortar Savings: $283.64
My Online Checking: $500.00
Brokerage: $100
Credit Union: $1719.00 (apparently it has been earning interest)
CDOne: $8446.93
CDTwo: $6755.53
Online Savings: $362.74
Our Online Checking: $16.99
Total: $18,283.32
Part of the reason the number is smaller than it was before is that a) my wife and I spent most of the change jug this weekend at a festival, and b) we let a relative borrow $240, which cost another $20 to wire.
However, here's what should be coming in:
Relative Payment- $200
Other Relative Payment- $410
Paycheck- $255
Total= $865
That means our Total Savings= $19,149.83
Friday, October 5, 2007
$200 loan
Making a loan to a family member (not my sister) who needs to borrow $200, so I'll adjust the numbers accordingly. I'm 100% positive this person will pay us back.
Current savings: $18,437.84
Total savings: $19,023.29
Current savings: $18,437.84
Total savings: $19,023.29
Tired.
It's been a REALLY LONG week- just started putting my bar application materials together. I have about four months to compile everything- and considering I've had at least six different addresses, 16 different jobs, and lived in two different states, it's going to be a monumental task.
Oh well- this is a personal finance blog, not a whine blog.
Spent $20 of the money we were going to deposit on the bar application fee- can't really argue with that purchase.
Spent another $20 of the money we were going to deposit on cigarettes and sundries. I tried to quit smoking (did quite well for awhile) but the stress of law school and the bar application is just too much right now. Will try again later.
On the bright side, we do get to add in another $14.84, due to the interest we've earned. So we really only have to subtract $25.16 from the total.
Current savings: $18,637.84
Total Savings: $19,023.29
Oh well- this is a personal finance blog, not a whine blog.
Spent $20 of the money we were going to deposit on the bar application fee- can't really argue with that purchase.
Spent another $20 of the money we were going to deposit on cigarettes and sundries. I tried to quit smoking (did quite well for awhile) but the stress of law school and the bar application is just too much right now. Will try again later.
On the bright side, we do get to add in another $14.84, due to the interest we've earned. So we really only have to subtract $25.16 from the total.
Current savings: $18,637.84
Total Savings: $19,023.29
Monday, October 1, 2007
Add It Up
I've decided that I will go through our various accounts on the first of the month and list our assets, so I can see where the money is going.
Online Brokerage: $100 (I'm not changing that number, as it fluctuates each day)
Online Checking Account: $500 (in case I need direct deposit)
Online Savings and CDs: $15,529.79
Credit Union: $1500 (wife saves $200 every two weeks)
Interest on CDs to Date: $40.65
Brick and Mortar Savings: $727.39 (damn $18 maintenance fee this month!)
Change Jug: unable to check until I get home- will update later.
That give us a total of $18,397.83. Which seems low.
However, it doesn't take into account the (a) change jug total, which is getting close to $100, (b) the $78 check we're depositing tomorrow, and (c) the $100 we're depositing tomorrow as well.
Once I get the change jug money finalized, I'll come up with a new current and total savings number.
Edit: We have a grand total of $87.72 in the change jug.
When added with the additional $178 mentioned above, our current numbers are:
Current savings: $18,663.55
Total Savings: $19,048.55
Online Brokerage: $100 (I'm not changing that number, as it fluctuates each day)
Online Checking Account: $500 (in case I need direct deposit)
Online Savings and CDs: $15,529.79
Credit Union: $1500 (wife saves $200 every two weeks)
Interest on CDs to Date: $40.65
Brick and Mortar Savings: $727.39 (damn $18 maintenance fee this month!)
Change Jug: unable to check until I get home- will update later.
That give us a total of $18,397.83. Which seems low.
However, it doesn't take into account the (a) change jug total, which is getting close to $100, (b) the $78 check we're depositing tomorrow, and (c) the $100 we're depositing tomorrow as well.
Once I get the change jug money finalized, I'll come up with a new current and total savings number.
Edit: We have a grand total of $87.72 in the change jug.
When added with the additional $178 mentioned above, our current numbers are:
Current savings: $18,663.55
Total Savings: $19,048.55
Saturday, September 29, 2007
Power of Money
My wife and I drive around town in a car that I bought for $600. This is somewhat hilarious, given the fact that we have enough cash shaved to buy a brand new 2008 Honda Civic. The website I went to lists it at as having 1 mile on the odometer- our current car just went over the 170,000 mile mark.
Not that we'd ever buy it (apparently buying a brand new car is one of the worst mistakes you can make financially) but it's helpful to put into focus just how much money we've saved. Our current plan is to drive our car until something hideously expensive falls off, and then buy another dependable used one. Doing that, after all, is part of the reason we have this much money in the first place.
I find it despicable that the only thing that proves a man is worth something is how many green pieces of paper he has, but that's the way our world works. I don't have to like it, but I have to learn to play within those rules (to a point) if I am to succeed in it.
Negative $131.80
I went to the gas station on Friday night and spent $11.80 on beer and other sundries.
My wife went to get a haircut and buy some more clothes for work, spending $120.00.
The total price for her haircut was only $20, which I understand is quite good for a girl. She even saved money by shampooing and drying her hair before she went.
Girls have a hard time in that it's difficult to buy good work clothes for little money. I'm currently in school (and have few people to impress) so I generally just wear my clothes until they fall apart. As a professional in an academic setting, she doesn't have that luxury.
On the bright side, we do have a $78 check we received in the mail, due to a billing error in our favor. Haven't deposited it yet, so I won't place it in the total.
Current savings: $18,624.97
Total savings: $19,010.97
My wife went to get a haircut and buy some more clothes for work, spending $120.00.
The total price for her haircut was only $20, which I understand is quite good for a girl. She even saved money by shampooing and drying her hair before she went.
Girls have a hard time in that it's difficult to buy good work clothes for little money. I'm currently in school (and have few people to impress) so I generally just wear my clothes until they fall apart. As a professional in an academic setting, she doesn't have that luxury.
On the bright side, we do have a $78 check we received in the mail, due to a billing error in our favor. Haven't deposited it yet, so I won't place it in the total.
Current savings: $18,624.97
Total savings: $19,010.97
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