28 March 2009
22 March 2009
- It's cheaper than Stop and Shop
- It's closer than Target
- I just don't trust myself to go to Target
I really want to go to Target. But I think this is the right decision! I've been staying out of Target for a while now and it's really obvious when you look at my monthly spending. I'd like to keep the non-essential spending as far down as possible, especially if the summers-off plan pans out (which I still haven't heard a definitive answer on).
19 March 2009
18 March 2009
It's so easy to think "oh, I NEED a new camera. I NEED new clothes. I NEED a laptop. My kids NEED something new to play with."
I'm totally guilty of this. I was convinced that I NEEDED a radio for my kitchen. I asked my dad for one for Christmas, and he got me a really nice one. But, he didn't hook it up right away, and then he came down with this awful 6 week long flu thing. Time has slipped by, and it's still in the box. And I subsequently realized I don't need it at all.
Sometimes I think "I NEED some new work clothes." But then, I go downstairs and realize all my work clothes are sitting in dry clean only pile, or hanging on the line I have in my basement. Sometimes I wore them once, and forgot about them!
Remember the new vacuum I NEEDED? Still didn't get one- and no, I don't really think I need it anymore!
If you find yourself NEEDING something, give it 6 weeks, and see if you still need it!
16 March 2009
So, back on track. I mean it. Starting tomorrow. :D (only because I've already eaten dinner and my sister is visiting, so no exercising tonight)
15 March 2009
Of course, I would be gaining equity. But how much? The mill rate in my town is high, so I would be paying significant property taxes. I would get a tax break for owning a home, but I don't make enough money to pay much in taxes anyway. I don't live in a town that is highly desirable, so the property values are fairly stable. In fact, they've gone down, like everywhere else, but never went up really high, like everywhere else in my state.
In addition, right now I don't pay for water, and I don't pay for repairs.
And finally, in a way, renting saves me money somewhere else- decorating. My kitchen is terribly outdated, but I would never remodel it, because it's not my house. I wouldn't buy new furniture, because I don't know if it would fit in my next place. I'd like to fix up the basement, but not as a renter.
So... I don't know. I feel like I *should* want to own a home, but I'm not sure why I feel like I should. Is it because I really want to, or because I feel like that is what is expected of me? I'm going to take some time to really think this over, especially because if I decide it's not a priority, then I can switch to the summers-off schedule with a much less guilty conscience.
14 March 2009
So, what if I did buy this house? Would I be happy because I owned my own home, or stressed financially and overwhelmed by maintenance? If you own your home, is it worth it?
13 March 2009
I am definitely leaning towards doing it, but a part of me would be relieved if they said no because that would mean paying my debt off that much faster. However, I went to therapy today and my therapist said that I don't really know what's down the pike- I could end up getting a promotion, a merit raise, or even get married or something- and all of that would equate to more money (or shared expenses, in the case of the marrying option).
I'll definitely keep posting updates!
12 March 2009
What this means is that I can switch to a 10-month work year, and have July and August off- unpaid.
So, for about a 10,000 a year (before taxes) pay cut, I can have the summer off with my kids until they are off to college. I figured out what it would be, after taxes and the pay raise we're scheduled to get July 1st, and it comes out to 4800 dollars less a year. Then if you subtract the amount I would save on daycare, it's 2600 less a year. Or, 50$ a week.
So for 50$ a week, I can spend two months with my kids every summer, hanging out, spending time together, supervising them as they get older, driving them to the movies with their friends. I can garden EVERY DAY. I can relax. I can look forward to summer like you did when you were in school.
Am I insane? Would you do it?
08 March 2009
Lottery ticket time?
04 March 2009
02 March 2009
I'm really, really frustrated with my lack of progress.
I want it to be over! I want to be debt free. And even though I spent a lot of extra money on myself this month, I think overall I have been really good with my budget and spending. But I'm not seeing it melt away, and I want it gone. And I still have 80% of it left. That's so much.
There are things I need, for work, for myself, for my kids. It pisses me off that I can't have the things that I could technically afford because of this stupid debt.
Okay, really, bed. Vent over.
01 March 2009
I'm going to take a day off today to recover, but I have to decide if I'll have time to do this before work in the morning. To have time, I'd have to get up around 4:45, which is sort of insane. I don't know!
My other option is to do it after the kids go to bed, which is also sort of insane, because there are nights when that isn't until almost 9:00.
I could do it on the three days that the kids are with their dad, but I usually use those days for errands and going out with friends.