eye opening

I have started my climb back up to the land of budgets and frugalness. I have Bank of America and even though at times I hate them, they provide some good products that I utilize or at times hide from.  One of them is a budget and expense tracker, this really works and helps me to see where my money is disappearing to.

I pretty much use my debit card for everything that I purchase, hardly ever having cash at hand. So this weekend I set out on the scary task of allocating all my transactions to their correct bucket of expenses…. entertainment, utility bills, restaurants/dining, entertainment, clothing, credit cards…. blah blah blah. You get the point. So, very eye opening. It made me see how far off my budget I have drifted and how to find that course of spending less on crap and saving more for the things I always feel I don’t have money for. Including just putting money into savings period.

I have also been trying to find a good AP to use to help me save my receipts in my phone and alert me when certain budgets are close to being exceeded and such.

My biggest thing that I need to get back to is, bringing my lunch to work. I wasn’t cooking as much so I didn’t have left overs to bring in… but that is changing… lots of money spent on lunch every day… way too much spent on lunch everyday. I been spending on the low side… $150 a month just on lunch! which is crazy, especially for a while I spent maybe $40 bucks a month. I could do a lot of stuff with that extra $100 bucks in my pocket.

 

Well, I’m not going to go in detail of every place I have been over spending but I will let you know how this next few weeks turns out!.

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complete neglect

I know I have completely neglected my blog. I am also, wondering should I scrap it all together and being fresh… But I think I do that a lot when I don’t want to deal with something. and neglecting my blog is not the root either. I’m neglecting my blog because I am neglecting my budget, my spending, my savings… should I go on? SO I need to do some soul searching. I found another great blogger that has been doing what I try and do and WOW!!! this really could be me if I just kept to my guns and stopped jumping off the wagon.

http://money.cnn.com/2011/01/14/pf/anna_newell_jones/index.htm?hpt=C2#TOP

 

So here is to keeping on keeping on and putting a little more effort in everything I have going on now.

 

We all need to get-away sometimes….

In keeping my promise of trying to be frugal and helping others to be, I get this weekly email that tells me the best travel deals for the week! I have found some really, really great deals too! My husband and I are really planning at least two BIG trips this year and Ireland is on the top of the list. Round trip tickets to Dublin starting at $450… and all-inclusive deals for $700 a person. I can’t go to Disney anymore without shelling out a few grand… and Ireland just sounds so much GRANDER!!!

http://www.shermanstravel.com/top25/?refer=top25-2010_12_08-trouble

On the Up-Ramp

I did it I signed up for a membership! It is not your average gym, this place is amazing! http://www.crossfit-sarasota.com. They are all over the US and man I am so glad that I found it. I am going to be fit in no time. My goal is too look like Carrie Underwood by my 30th Birthday… I’m gonna be 30 in 6 1/2 weeks so everybody wish me luck!

*Also, would like to add that I have a FRUGAL ALERT* Although this gym is not the cheapest.. when I signed up I had the choice of doing a personal class or a small group class. The price difference in them was significant so I chose the latter… well to my benefit and what may also be my demise the few people that signed up for the group class switched for personal ones and I got the group rate and still have my personal trainer!!!! Wahoo for me. What I am finding out that a personal trainer catches all and there are no short cuts.. coming home last night I wasn’t sure I would be able to lift my keys to turn on the car.. haha!

The benefit to the gym they also have a nutrition plan, so this will get me back on track with my meal planning and therefore hopefully my budget, Also, my honey joined a gym so he will be completely fine with a healthier meal plan!

I haven’t posted in forever and therefore I also have not slept in forever, I haven’t had a chance to clear the clutter. This has been a very busy month for me. My hubby is still out of town most of the time so it is just me trying to keep up with everything. I wanted to start working out so that I could have the energy to JUST try!

The madness from my Brothers wedding is now behind us! Congrats to them! Everything came out amazing! It was a group effort and a lot of work, but it was sweet success! I can not wait for them to get back from their honeymoon so I can hear all the fun they had!

So, with all that said I still have a list of projects that hopefully now I will have time for. Thanks to the best Aunt in the world I was able to fulfill one of my dreams and now I have a Bernina Sewing machine! It is kind of like getting a BMW, no mater new or used it is a BMW! And I love it. I haven’t done anything major yet besides make a few luggage tags and prompt to pillows for the reception, but I have been searching for a few new things that I would like to dabble in… Maybe make a few dollars at!

I have also, been spending lots of time looking for a family vacation and it amazes me how I could go to California for a week, and for the same price go to Europe!! Which is where I am leaning toward.. Ireland, the Mother Land I found some great deals for all inclusive packages and it is definitely on the top of my priority list. Another reason to get back on track and and save save save!

Well, I guess that is all I have for now! I will make sure to update… I have photos from the wedding of the crafts and decor we created and future events!

 

Tuesday to do do

Well, it has offically been two weeks since my husband left on business. I have started so many projects to keep me busy and even finished a long to-do list. I do still have a few things to accomplish and a few that I need him to help me finish. But it amazing how much one can accomplish without the distractions of your mate.

Things I have finished:

1. The wreath on the front door. Even got it hung up!

2. I ordered the prints for my picture frames from my wedding (6 months ago) and hung them all up!

3. I ended up buying curtains instead of making them. For now it was the better deal and the bonus of this and what I am most proud of myself for, is that I found bamboo rods at Michaels and used them, instead of getting real curtain rods, for a fraction of the price. I couldn’t find a decent Curtain rod for less than $20 each. Well I got 3 Bamboo rods for $5 a piece and they bring an earthiness to the house that I love!

4. I Finished and mailed those shower invites.

5.  I found that stupid King size bed frame I had been looking for and after many failed attempts was able to locate at my favorite GoodWill and so the Bed is finally off the floor and looks half way decent. This was also a bargain $15 vs, the cheapest I could find on craigslist or other of $55.

6. I stopped and bought a few pumpkins for decoration of the front porch. Also, my dearest sweet mother chipped in a bought a few mums and other flowers to spruce up the Front of the house! Which was much needed.

7. I found the perfect fabric for that chair I have been dieing to re-upholster and the fabric was $13.  – Just need to re-upholster now!

Man… after I list them all out it doesn’t seem to be all that much. The biggest problem is the time to do it. I work til 5 I don’t get home til 5:30 then I have to get the dogs walked usually 30 min to an hour and then still cook and then I am playing taxi to KeVaughn and so I have maybe 2 hours to craft or hobby or whatever before I am HIT hard by the Sand man.. haha And, then to throw a curve ball Elijah is back in the hospital which is 45 min to an hour away I have to visit him once or twice a week or go through withdrawals and plus it keeps his Mom from turning  into a nut job… so when I do that, like I did yesterday I can pretty much forget about planning anything else after that!

Tonight my sister with the eye for detail is coming over to help me put final touches on my house so that it looks wonderful for Emily’s shower. Which I am hoping to hear from everyone, no RSVP’s yet… but I’m not going to worry until this weekend then I will start making arrangements for replacement guests… j/k… kinda…

Then I received the good news that Mr.Wonderful will be returning on the 3rd of November. Which is perfect, because I have a small lists of things that I need him to finish before I have a bunch of people in the house.

With just a few to-do’s left I’m getting excited for the 6th of Novemeber

1. practice cupcake recipes to find the right one for shower.

2. Finish making favors for guests.

3. wrap the last present.

4. final touches for decor.

 

Thats it! I love being prepared for parties.. takes the stress away!

Change and Evolving

I get to work this morning and I’m getting myself mentally prepared for what the day will bring.  In reality I’m hoping that I have enough work from not being here on Friday to help my day fly by so that I don’t crash at 3pm for lack of sleep last night. And, to no surprise I have been surfing all day on-line and wondering when will this change.

Before I had a chance to even give more thought to how bored I was I received a phone call from a consultant staffing service stating that they found me on Linkedin and that they wanted to know if I was “Looking”, well, I haven’t seriously been looking, but I am not NOT looking! SO jumping down the rabbit hole I said YES!

I had to call him back at lunch for obvious  reasons… like “I am at work.”  When I spoke to him later the position was an Admin Marketing Assistant. “Could this be my lucky day?” I have been trying to break into the Marketing industry for a few years now, but with the economy and everything else going down hill especially in Florida I have been scared to make the transition. Even the thought of going back to school to get my BA in Marketing has been put off for fear of spending another $20k and finding nothing or making the same thing that I am making now… the debt did not out way the means for me.

So, all this being said I can’t help but have a bit of nerves built up in my stomach for the idea of changing and even evolving.

I am comfortable to say the least. What if I get the position and then they let me go? (this IS my biggest Fear) I have a very secure realiable going nowhere job.  But it is secure.

I usually am the first to encourage family and friends to follow their dreams and take the risk. Aren’t I the one that encouraged my best friend in the whole world to drop it all and MOVE across the world to another country and teach. All of these things that she never has done in her life? Telling others how to live their lives is so much easier than making changes to my own.

To state that I have a lack of confidence in my own abilities would be the understatement of the year. People intimidate me. Business people really intimidate me. I can usually hold me own and mimic and figure it all out, but the thought of NOT getting IT leaves me with a broken self esteem. Which is exactly the reason that I am unhappy working for a company that I love but in a position with no further opportunity.

How do I get out of my own way?

Same Game, New Strategy

OK.. So, not that I have any followers but even if you read any of my posts it is not hard to see that I have been lazy in my attempts to be frugal.  I have been lazy in posting and what posts I have posted are lacking WOW and Frugal fabulousness.

I have had a bit of a wacky few weeks that have taken my energy away from such things and the real blog world. I am new to this whole blog thing so I am trying to make habit of recording my life with words and pictures, The words not as hard as remembering to take pictures of everything and I mean everything, like so many fabulous blogs I see.

So, I am aware of how mine lacks the “HOT DAMN!!!” factor. And, I’m trying…

I do have a memory card full of pictures the challenge now is to track down my cord so that I can get said pictures off the camera and into my blog!

I have completed my first wreath that I had to make and have after seeing so many at the store that although absolutely stunning and beautiful, I refused to spend that kind of money on something that doesn’t fly me to my next paradise destination.

I have almost completed decorating my living room. Well, I don’t know if anyone is ever finished decorating, but I’m getting my living room to finally flow.

I got Charlie neutered. ;( – which I posted before was a FRUGAL ALERT! $55.00

My living room will have its own post because it really was a FRUGAL ALERT TREASURE! I’m trying to work with what I have and that ain’t much.. but needless to say I’m making it work.

My husband is gone on business for the next month so my ability to budget and track what is going on should improve. This also, just gives me more free time to get things done and BLOG about it! I am trying to find the positive things of my honey being gone because day 3 and I’m already missing him.

I’m usually good for 14 days and then drastic measures to keep my sanity are needed. But my blog should really grow this month! I do have many things going on month to keep me on my toes and buzzing like a bee. Which is great because I will have much to blog about.

I am planning Emily’s Bridal shower and that takes place on the 6th of November so right around the corner. Trying to plan and decorate and buy gifts and then the 5k this weekend. Which kills a whole weekend so that makes time that much tighter, and then having to budget and still be frugal while having to spend extra to make sure that everything is wonderful for her special day, is another obstacle on my course. So, like I said much to blog AND learn this month!

I am excited!

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