Monday, January 08, 2007

Fast food is cutting into my budget

Since I've moved out I haven't really gotten grocercies yet. I used spend about 100-150 bucks on groceries every 2-3 weeks. Right now, my food situation is day by day which is really cutting into my budget, spending about 10-20 bucks a day on food alone. If you look at it monthly that's around 300-600 bucks per month on fast food when I could be spending 200-300 per month. I hate looking at my budget sheet and seeing that I buy something every day. Fast food isn't really that healthy either, so my goal tomorrow is to buy up some groceries.

Saturday, January 06, 2007

2007 I'm back!

Wow it's been awhile since I've posted. There's a lot to catch up on in the past few months. My struggle to get out of the parents house, stay sane at my workplace, and of course keep up with my personal finance.

2006 was a much loved and hated year. It's time for a change in a big way, an actual life after college. Oh how I missed being in college though, having time for myself, having money come to me in the form of student loans, and able to spend that money on fun stuff like widgets and booze... Good times.

2007 is here though. A time for resolutions, although i heard somewhere that only 25% of people who make resolutions actually stick to them. I've got mine and I plan to keep them. I started early on mine. My first one was to get out of the parents house and I completed it on Jan 1, 2007 and whoa the sense of relief! No more stress. It feels so good to be on my own. Worth every penny I'm going to have to spend on rent and groceries and bills. So for my first resolutions.
  1. Don't move back in w/ the parents. I plan on being completely independent now. It costs money, but I think I can do it.
  2. Get my web development cert this year. Gotta study my arse off.
  3. Workout more. Seems like this one is on everyone's list, but i plan to keep up with it.
We'll I'm glad to be back. *clinky crystals* CHEERS!

Sunday, September 10, 2006

To move or not to move?

I will be living with the parents at least until the end of the year. But will I save up enough money to be financially stable when I move out, and will I be able to save? That is the big question.

I've tallied it up and figured this out. Staying with the parents till the end of the year I will save about $10,000. To you that might be good enough to move out. But I want to put some of that money away to invest also, probably half of it and still have the other half to pay for all the fees of moving out. With my current wage, if I am on my own I could still save 200-300 bucks per month. But right now, living at home, I am able to save about 1,000 bucks per month.

I could stick it out and live with the parents for another year and have really good financial stability, and lower my debt. But there is this thing in the back of my head that's saying to me "MOVE OUT!". I think even though I'll be only saving a couple hundred bucks a month instead of 1,000 I'll be a lot happier with my life and strive that much more to make the changes to save more money.

Well I still have a couple more months to ponder.

Friday, August 25, 2006

One small step for saving money

I spend 300 bucks per month on gas. I know that is pretty damn crazy because I basically live out of my car. I don't actually, but I spend a good amount of the day driving in my car. I calculated how many times I fill up per month. It's about 8-9 times. One of the things I've been thinking about for awhile now is taking the bus to work. I was also thinking about doing a vanpool or carpool which would save time and money as well, but since my company offers a free bus pass to employees, I'll take them up on it. A sweet deal I might add. Taking the bus would cut down on my gas spending dramatically. Plus instead of sitting in traffic getting road rage, I could spend that time on the bus studying, sleeping, reading, or playing my DS Lite (oh yeah!). By the end of the month I'll have some extra cash in hand. woo hoo!

Thursday, August 17, 2006

First Sick Day

I had to take my first sick day from work today. I've seen one of my other fellow co-workers take multiple sick days in the 2 and half months that I've been working there. But I kind of feel bad for taking one so early in my career. I guess I can't help getting sick, but I feel like it leaves a bad impression. I'm not sure about anywhere else, but my boss seemed cool about it when I told him on the phone. He knew right away I was calling in sick. I'm pretty sure everyone else knew I was going to be sick too because yesterday I was coughing up a storm.

I'm kind of glad I took this sick day. Even though I was sick, I was able to relax and have a nice stress free day. Sit on my butt and do a lot of nothing. Anyways, I figured out that I'm going to lose $112 out of my next pay check. Was it worth it? I think I needed it.

Sunday, August 13, 2006

Thank You Under 30 Honor Roll

I'm glad to be apart of the Under 30 Honor Roll. I hope to learn from everyone's experiences, and hopefully save a little bit of money. Luckily I found the site just searching other personal finance blogs, what a relief it is to know this community exists.

Mutual Fund Blues

When I was 12 years old my father helped me invest money into a mutual fund. He said "It'll be good for you to start saving early, a mutual fund will help you gain money over a long period of time. The money you put into it will be worth more when you take it out." I was like, "That sonds like sweet deal." I had saved up $1,000 at that time from various methods like: lunch money, allowance, washing cars, mowing lawns, whatever I could scrounge up I would save. My father told me if I put in my $1,000 into a mutual fund, he would match it and put it $1,000 also. Now that was a sweet deal!

I'm 22 years old now. 10 years have passed. My mutual fund is worth $1,441. That is loss of $559 over ten years. I sent in the order to cash it out today. Take my losses before it loses more.

Based on my experience, I don't recommend using a mutual fund for long term investment. I would rather have put it in CD. But if you do want to use a mutual fund, don't use the company I went with John Handcock Funds LLC. THEY SUCK!

DealBarbiePays

Looking into this a bit more. I'm not quite sure exactly how it works yet, although it seems to pay off. See Pennyfoolish's posts 1 and 2. I don't want to sign up before I know what I'm getting myself into, but I'm excited to read more about it and maybe after awhile start making some money online.

Saturday, August 12, 2006

A Long Distance Relationship + Difference in Cultural Values = Heartache

I met my sweetheart in college my senior year. She's a sophomore and still has two more years of school left. But after she's done with school she wants to be a doctor or pharmacist, and that will be another four years. I love her and trust to very much, and will wait for however long it takes to be with her. Right now we are about two hours apart. She still lives with her parents, and I go visit her every chance I get. She doesn't visit me because her mother won't let her. She says it's too dangerous to drive. So I'm the one who is always traveling.

Now, my girlfriend's mom is very traditional Filipino. Meaning she is VERY strict. This is getting on my nerves so much. It's very frustrating to see my girlfriend, who is so obediant, just let her mom tell her what to do all the time. She wants to go visit me, but its not her decision she says. Well I'm not sure how much of culture is talking or what, but she is 19 years old, a big girl now, and can make up her mind for herself..... right? I assume they all trust me, and knew I was a good person for their daughter. But now I'm getting doubts, like they don't accept me.

My girlfriend requested time off from work so we can have a nice 9 monthsary together. I asked her if she could come visit me for once for our 9 monthsary. She said I don't know if my mom will let me. Well, I'm taking a stand. I've given into all her family's cultural traditions for long enough. I've decided not to go visit her next weekend for our 9 monthsary. If she wants a 9 monthsary, she will have to be the one to visit me. I told her this, and she is sad because now she has to decide whether or not to break her mom's rules. If she does her mom will be very upset with her. If she doesn't I will be very dissapointed in her. I hate to make her sad, but I'm sick and tired of doing all the sacrificing.

Is it reasonable for me to put her in this situation?

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