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Archive for September, 2008

Job

I won’t know for at least a month whether or not I will get the job that I want so much. Argh! I will try and not obsess about it. *try*

Wall street woes is scary. It all comes down to people buying crap that they can’t afford and greedy banks approving their loans. Yes a house, bought if one can’t afford it is crap too. I have heard stories of people making 60K being approved for million dollar homes. Does that make any sense? NO! Egad!

I mean I have already lived through the dot com collapse. There should only be one financial collapse in a person’s life time at the most. Any more than that is just not fair. Okay?

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What have I been upto?

Yes I have been MIA. Been horrible at blogging even though I constantly kept saying I was going to blog more often. But I haven’t, have I? No excuses, just plain old distractions and laziness. But I am glad it’s almost the end of the month, and I can start fresh in October. August and September have been horrible months for me in terms of spending. What with vet bills, school payment (both of which I should be getting back soon, but haven’t yet), wedding to go to, dress to buy for the wedding, eating out, my finances just went downhill. But I wait eagerly for the new month because I will start fresh and get my financial house in order.

I don’t want to jinx myself but I have been in an interview. If I get it, it’s going to be an opportunity of a lifetime for me. It will be a lot of work, but I will be learning new things and working in a great field. It’s also scary because I have been at the same job for a long time (with slight changes in company organization). It’s so easy to get comfortable in a position and be stuck. That’s what has been happening to me at my current position. I am not challenged enough.  So please keep your fingers crossed for me!

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Spending updates

Saturday

  • Household: $5.29
  • Take out: $17.80

Total: $23.09

Sunday

  • Clothing: $29.99
  • Clothing Credit: -$33.01
  • Grocery: $24.19

Total: $21.17

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Faboulous Friday. NOT!

Somebody I know went back home and boasted about how they bought a 300K house in the USA. Of course the person forgot to mention how the house purchase works in the US. Now the people back home think that this person actually paid 300K in cash and owns the house out right and now they wonder why yours truly hasn’t achieved something like this? Of course what do they care that where I live, you can’t even buy a toilet in a studio apartment for that amount of money. Forget the house.  Maybe I shouldn’t be, but I am kind of pissed off. It’s one thing to buy a house and share the good news with friends/familes,  but to not correct them when people back home think that means he outright owns the house? There is no need to pretend to be such a big shot Donald Trump reincarnated. Whatever! Maybe I am just being a biatch. I don’t really care.

People’s values are different, and ideas of success are different. I find it to be more of a value to me to live in the greatest city in the world and experience life than live in the middle of a nowhere in a “house” and to have to drive everywhere and wear thermal underwears for the 10 months out of  the year. Yup, today is the day I unleash the B* in me.

In money news, I took my loose change to the bank. $27.77. Not bad. So I bought myself some lunch. But I haven’t really got an apetite so I think I will save the half for dinner.

Today’s Spending:

  • Lunch:$6.99
  • Sheet protectors for my project folder:$10.83

Total:$17.82

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Disciplining Myself

Yes I have sat down and figured out how much I have spent over the course of the month. Some of the shoppings I could have gone without. But the remaining, I will be using a lot. It had been a long time since I had actually indulged on any nice shopping for myself. So in a way, it was long time coming. Now I am back on track and won’t be going overboard. I have budgeted on paper for different criteria I will be needing to spend on until the end of the month and the remaining money I have already put away to savings. I want to have a 20% down payment plus some extra living expenses ready in a few years time to buy myself a house. If I buy it alone, it will take me about 4 years time to be ready, and if I buy it with somebody and if that somebody is willing to go 50/50 with me on it, I think it should happen in 2 years time. I am a big fan of charts and graphs and as dorky as it sounds, I like to create several scenarious and look at what my graph looks like.

🙂

Maybe I will post them one of these days. In other news, classes have started as of 2 weeks ago and soon I will be busy with school work. But I plan to blog everyday from now on to keep track of how I spend & save money. I figure if I take 10 minutes at the end of the day to jot down here my spendings of the day, it will be helpful for me to be on top of my spendings. It’s hard to remember what you spend your money on after a week if you didn’t use debit card and used cash. At least I find it so. It might be a bit boring to read how I spent a dollar fifty on my coffee etc, but I will try and keep it fun.

Today’s spending:

(I woke up too late to make my own coffee or pack my lunch. I need to start packing my lunch the night before)

  • Breakfast and coffee:$3.50
  • Lunch: $6.99
  • MidDay Coffee:$1.87
  • Long sleeve shirts and camies to wear under:$24.00 (Boy it’s getting chilly out)
  • Dog Collar for my dog: $14.09
  • Laundry: $6.25
  • Paper Towels:$2.15

TOTAL : $58.85 (yikes!!)

Things to do today:

  1. Laundry (Did 2 loads of clothes. Need to do bed sheets tonight)
  2. Finish self assigned reading on 2 topics for career advancement (Read 1 topic. I will get better at this gradually)
  3. Star thinking of ideas for the class project (Sort of, but not really)
  4. Pack lunch for tomorrow (A big fat NO. ugh!)

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Weekend Update

I always plan to do so many things on the weekend, but when weekend comes around, I am too lazy to do them. Basically I have sat on my you know what and watched movies most of this weekend. Can you believe tomorrow is Monday already? I can’t. I need an extra day just to recover from not doing anything productive over the weekend.

Now I plan to look over a few things that I need to finish for work tomorrow, and then I am going to do a little cooking for the upcoming week. I have a block of hard tofu and some cut up cauliflowers to use up. Perhaps I will make some stirfry, or some variation on curry. I am not sure. I haven’t got any tomatoes I need for the curry paste. I also have a few red potatoes I need to use up. I guess I will be making 2 dishes today and then eating them for the rest of the week. I have 2 classes next week, so already having ready food in the refrigerator will come in handy. No more impulse take out!

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Facing the music

Well, I made myself sit down and go over my mad woman spending over the course of the month. It doesn’t help that due to job switch, my pay checks are all over the place due to different pay schedule. I used to have a fixed amount transfered to my savings every 2 weeks, but now I can’t even do that right now until I figure out exact details of the pay checks. Very frustrating.

I just really want to get back in track and stop spending anymore. Some of the spendings were necessities such as vet bill and school. I should be getting most of the vet bill back (fingers crossed) from the insurance company. My work and my scholarships pay for most of my schooling, but I still had to pay almost 1K this semester. But I should be getting back that too now because they cancelled one of the classes I am taking which was a 4 credit class and I have to take a 3 credit class instead. Hence the refund.

But on the non necessary items, I have gone really overboard. I bought two purses. Two! One just wasn’t enough? But I love them! A dress for a wedding I had to go to and some shoes and cosmetics. I also have been eating out a lot in spite of having purchased a really fancy schmancy fuzzy logic rice cooker thinking I am going to cook for myself every single day. I know, I am horrible. I need an off button on me to stop all this nonsense. This behavior is not me! I have been possessed!

I need to stick to a budget very seriously. I made a budget for myself this evening. This is what it looks like. Of course there are some categories where there won’t be expenses every single month. For eg: School, Toiletteries, Clothes etc. In such a case, the money would go towards debt or savings or other categories if they are over budget(which I plan not to do).

Click on the image for a bigger view.

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