Tag Archives | personal finance

March and April goals update

photo credit: weheartit

I know… I am such a goob! I can’t believe I forgot to do my monthly goals update but I can see why I did – I’m not satisfied with my progress. You’ll find out why.

Goal 1: Lose 30 pounds.

So, last time we were here, in February, I went to the gym once. Thumbs up for me.

March, April, nada. NADA!!! I’m not even eating less or potion-controlling. I’m actually kind of afraid to weigh myself at this point. If you read my last blog about my (current?) stint with blogger burnout, you know I was stressed. And when I’m stressed, I eat. A lot. Pretty much anything but my favorites are junk food. I’ve gotten to the point where I can actually taste the health difference between junk and something organic and healthy; junk always makes me feel better emotionally. Healthy food is just so empty. Like eating air.

I’m trying to eat better, though. We signed up for one of those CSA deliveries and now get organic fruit and veggies monthly. (Thank you, San Francisco, for being so helpful in my crunchy granola attempts.) The veggies are a bit ambiguous: the Husband does all the cooking and he doesn’t like cooking vegetables. It’s difficult getting him to eat anything besides broccoli and carrots. We currently have a box of grape tomatoes, a head of romaine lettuce, and a thing of zucchini. I can probably eat the grape tomatoes as a snack but I don’t know about the other two. I suggested we put the lettuce in ramen and he kind of rolled his eyes at me. Vegetables! Ack!

Goal 2: Learn something new.

Tuesday was the first day of my third class with Ashford University, some English class I can’t remember the name of. The speediness of these classes is quite amazing; I’m plodding along and suddenly! Done! Next! But it’s good because the changes are often; if I get a crappy professor/TA or classmates, I tell myself it’s just five weeks. The online thing really helps, too. I find the people whose writing gives me a headache during our intro week and avoid their discussion posts the rest of the time.

Goal 3: Blog at least once a week, with the end goal of daily posts.

Uhh… Err…

For Stuff About Cats and Pintucked, I’ve actually managed a blog a week. It’s not too hard because I just schedule a cat picture and an item I like. AmyNievera.com, I know I’ve missed at least one week.

I’m sort of back on track, though, and reevaluating my blogs. AmyNievera.com is a given; I can’t kill this blog without killing my web presence. Pintucked is sort of the same deal but in the fashion area; and, I love posting stuff I find. It’s fun! (Especially when it’s something that falls into the “Some Kind of Wrong” category.) Stuff About Cats is on the bubble, to use TV speak. As you may have read, I just want to post cute pictures of cats and links I find interesting about cats. I don’t need a dedicated WordPress blog for this.

So, for Stuff About Cats, I have the following options:

  • End the blog entirely.
  • End the WordPress blog and start over on Tumblr because finding and reposting pictures through Tumblr is much easier.
  • Continuing with Stuff About Cats but posting pictures and links, like I want to. No pressure on substantial posts.

Goal 4: Have an ongoing emergency fund of at least $1,000 by the end of the year.

We’re good on this. No problemo!

In summary…

Goals 1 and 3: not doing too well.
Goals 2 and 4: going strong.

What do you think I should do with Stuff About Cats? How are you doing on your goals?

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Week 4 Hey, Progress!

Goal 1: Lose 30 pounds.

Whaddya know? I gave in and ordered a new sports bra, because I figured we were never going to find the old one, and the husband found the old one an hour after I placed my order. Bah. Well, the new one is supposed to be unlumpy and the best ever.

The old bra needs washing though. And I start vacation on Wednesday and the husband has issued an edict: no working out during vacation. I wonder if that means he won’t do laundry either? ‘Cause I need clothes washed…

Full Sail University is being considered.

Goal 2: Learn something new.

Eh, this one is so not on my radar. I have 39 hours of continuing education classes to pass for work by March or I lose my insurance license.

I have been (sort of) doing research and contemplating what major I want to focus on in the Fall. I plan on writing a separate blog post on this, though. Sorry, you have to wait.

Goal 3: Blog at least once a week, with the end goal of daily posts.

Yes. I actually have weekly posts scheduled for Pintucked for all of February – blogging became much easier when I gave up on writing “fashion” posts. I’m much happier posting awesome handbags, tops, dresses, whatever.

Goal 4: Have an ongoing emergency fund of at least $1,000 by the end of the year.

This past week was a busy one for personal finance! I closed my checking/savings account with Chase and opened two new accounts with two new banks for our emergency fund and my savings account. The emergency fund is with Ally Bank and the savings account (which is actually technically a checking account) is with USAA.

I know I was talking about Bank of the West last time but Ally and USAA were on the Eight Least Evil Banks List from CNN Money. I know of USAA through their personal insurance division and have heard nothing but good about them. It turns out banking doesn’t require military ties! Now if only we could get the insurance.

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Week 3 Update: Keeping Myself Accountable

Goal 1: Lose 30 pounds.

The sports bra and exercise top from Amazon came. Unfortunately, the bra doesn’t fit very well and it creates weird lumps on my chest. I don’t mind the uniboob look too much – I’m working out, not picking up guys – but the lumps are strange. They make me look like I have random growths.

The top is fine.

It’s back to looking for my old sports bra. It has to be in the bedroom somewhere.

Goal 2: Learn something new.

Still the same lack of progress on the WordPress. I’m not even sure if I mean learn WordPress or learn SEO. Learning WordPress is what? Coding? I don’t really care for this, nor do I really need it to be a successful blogger. I guess I meant SEO in the beginning. For some reason, SEO just seems really daunting.

Goal 3: Blog at least once a week, with the end goal of daily posts.

Yes. I’m doing daily posts for AmyNievera.Com, though I feel like it’s cheating because they’re just photos. At least I am managing one written post per week per blog.

Goal 4: Have an ongoing emergency fund of at least $1,000 by the end of the year.

Putting away $5 a day can get a bit tedious. Doing this is better in the long run though, because $5 a day seems a lot less than $35 a week or $150 a month. We have over a hundred now and I’ve narrowed our banking choices to Bank of the West or San Francisco Fire Credit Union. The former is nice because I have a couple of branches close to my work. The latter is nice because it’s a credit union supporting firemen – but the only two branches in town require specific bus rides. Both financial institutions have free checking, of course.

And I do like Bank of the West because their logo has a grizzly bear. I wouldn’t mind a debit card with a fuzzy bear. Animal lover, what can I say?

Project 365

I don’t know if anyone noticed… but I missed 1/15. And not just “I forgot to post my photo” but I completely forgot about Project 365 and didn’t take a single photo that day. I can’t believe I missed a day so early in the year. To say I’m disappointed with myself is an understatement. Nonetheless, keep calm and carry on.

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Week 2 Update: At A Standstill

Goal 1: Lose 30 pounds.

I haven’t bought a scale yet. (Getting to Costco by bus from my apartment is a real pain in the ass.) My gym doesn’t have a scale either. Super weird.

I haven’t gone to the gym yet. We packed up my workout clothes in November and now we can’t find them. The husband says he looked everywhere and he only found pants. So last week, I ordered a new sports bra and a top from Amazon and picked up another top at Target the last time we went. I think the Amazon stuff arrives next week? There’s no way in hell I’m going to the gym without a sports bra (oh, the woes of the busty). At least I don’t have to buy new shoes, too.

Meanwhile, I use the cats for exercise. They love their loofah bird dangly thing and I drag it while jogging up and down the stairs for them to catch. I know this isn’t much but it’s more than I’ve been doing. Oh! And I’m watching my calories. That’s been pretty horrible: no chocolate, no cake, no soda. I’m not cutting them off entirely but I am being choosy about what I spend my calories on. We had birthday cake in the office this past week and I said no. Safeway chocolate fudge cake doesn’t taste good enough for the 4,000,000 calories!

Goal 2: Learn something new.

WordPress is slow going. I haven’t really made much effort.

Goal 3: Blog at least once a week, with the end goal of daily posts.

Still happening! Woo, me.

Goal 4: Have an ongoing emergency fund of at least $1,000 by the end of the year.

We’re setting aside $5 daily. This equals out to $1,825 by December 31st which is almost double my original plan – which is awesome. I’m not going to be comfortable with more than $100 sitting in an envelope in our bedroom so I think I’ll open a separate bank account. Once upon a time, I would have opened a new checking account with Chase but Chase is instituting this new policy where you must have a $500 direct deposit or make 5 debit card transactions per month. Considering this is an emergency fund, the latter is not going to happen. The hard part is deciding where to open a new account. Bank of America and Wells Fargo are definitely no-goes. What would you suggest for a new bank with free checking?

photo source

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Week 2 Update: At A Standstill

Goal 1: Lose 30 pounds.

I haven’t bought a scale yet. (Getting to Costco by bus from my apartment is a real pain in the ass.) My gym doesn’t have a scale either. Super weird.

I haven’t gone to the gym yet. We packed up my workout clothes in November and now we can’t find them. The husband says he looked everywhere and he only found pants. So last week, I ordered a new sports bra and a top from Amazon and picked up another top at Target the last time we went. I think the Amazon stuff arrives next week? There’s no way in hell I’m going to the gym without a sports bra (oh, the woes of the busty). At least I don’t have to buy new shoes, too.

Meanwhile, I use the cats for exercise. They love their loofah bird dangly thing and I drag it while jogging up and down the stairs for them to catch. I know this isn’t much but it’s more than I’ve been doing. Oh! And I’m watching my calories. That’s been pretty horrible: no chocolate, no cake, no soda. I’m not cutting them off entirely but I am being choosy about what I spend my calories on. We had birthday cake in the office this past week and I said no. Safeway chocolate fudge cake doesn’t taste good enough for the 4,000,000 calories!

Goal 2: Learn something new.

WordPress is slow going. I haven’t really made much effort.

Goal 3: Blog at least once a week, with the end goal of daily posts.

Still happening! Woo, me.

Goal 4: Have an ongoing emergency fund of at least $1,000 by the end of the year.

We’re setting aside $5 daily. This equals out to $1,825 by December 31st which is almost double my original plan – which is awesome. I’m not going to be comfortable with more than $100 sitting in an envelope in our bedroom so I think I’ll open a separate bank account. Once upon a time, I would have opened a new checking account with Chase but Chase is instituting this new policy where you must have a $500 direct deposit or make 5 debit card transactions per month. Considering this is an emergency fund, the latter is not going to happen. The hard part is deciding where to open a new account. Bank of America and Wells Fargo are definitely no-goes. What would you suggest for a new bank with free checking?

photo source

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