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Archive for April, 2007

This week has been tough on the budget.

April 24th, 2007 at 11:05 am

Well, this week shopzilla got a hold of me and I started shopping like crazy, which means our "budget" which doesn't really exist anyways, got blown to smithereens. You see, normally there is no budget, we just pay bills, got out to eat or to a movie once a week, and save the rest from automatic deduction from checking to savings.

But alas, in saving so much and being so frugal, the "budget" doen't allow any extra spending. So when i do need (lol yeah need) to shop, the checking account gets dangerously close to 0, and I have to transfer funds so that it doesn't become negative. Frown

And the said part is that the shopping was soley for emtional reasons. My hubby was working late and I was bored and feeling sorry for myself. Ugh, a horrible reason to buy pants I still haven't worn.

unbelievable

April 9th, 2007 at 04:21 pm

My husband lost his debit/check card today and called me because he couldn't remember the name of our bank! I couldn't believe my ears when he asked if we bank at Bank of America! I said no, and told him the name of our bank...very odd since it was his bank account before we got married, not mine. I mean I know I'm in charge of the finances around here, but I didn't think my dear husband was that much in the dark! I'll just chalk it up to him being tired and under a lot stress lately, so he knew the answer and just temporarily forgot. Whew!

The nesting instinct

April 3rd, 2007 at 05:55 pm

While reading Make Love, Not Debt, a his and hers blog about a couple and their money, and saw a comment that caught my eye...

"The nesting instinct will kill your finances... My advice is to stop collecting crap, and be content with what you have. Desire is the root of your problems, and desire leads to consumption, and consumption leads to being a wage slave for life..."

How true that is. Well I'm sure some folks have enough money to decorate their home and collect fine things but I think what the quote was trying to say was that those who don't have the means shouldn't go into debt or spend all their money on such things.

I sometimes wish our apartment were cuter. Maybe more colorful, with more artwork and furniture that matched. But most of the time I can walk into Macy's, drift aimlessly around and not buy anything. It helps that after our money is direct-deposited into savings we don't have alot left in the budget (i.e bank account) to shop. But a lot of it has to do with desire. I look around and don't see anything I want. And if I do, I simply carry it around long enough that it becomes a burden and I change my mind. But there are those rare cases that I see something, MUST have it, leave the store, obsese about it for days, then come back and buy it. Now that's when I know it's a good purchase!

Net Worth for March 2007 ... $16,400

April 2nd, 2007 at 08:04 pm

http://www.networthiq.com/people/ArmyAmy/2007/03

Hey thanks YOUCANDOIT for the link to the Net Worth IQ website...

I don't count our cars or personal property in figuring our net worth...maybe i would if they were worth more. Anyways the only thing I don't like about the networth website is that they list "cash" as a column, and that's where I wound up putting what we have in our savings account since there was no column for "Savings account".

Our networth is currently $16,400. Not bad if I do say so myself. Smile That's 16 months of hardcore savings!!