Friday, January 29, 2016

January Goals Check In

Well that went incredibly fast!

I can't believe we are already at the end of the month. Without further ado, let's see how I did.



  • 1.      No food purchases at work - D+
  • 2.      Save $300 - A+
  • 3.      Gather all my tax information to file 2015 taxes, and school forms for Boomer - A+
  • 4.      Record all transaction in YNAB and do my darnedest to STAY. ON. BUDGET.- C
Let's start with #1. I started the month very strong, and didn't purchase ANYTHING for the first two weeks of January. Then the last two weeks we had buy meetings with partners from overseas and well...entertaining involves eating and snacking. Overall though I did pretty well and have gotten pretty good at planning a week's worth of lunches for Boomer and myself.

#2 - Saving money is a lot less painful when you automate it. If you count my retirement savings for the month I surpassed my $300 goal!

#3 - Again...very easy. Everyone mails you everything so all you have to do is make sure your address is up to date AND that you don't lose anything. I've actually already entered it all into Turbo Tax...I just haven't hit the file now button.  \

#4 - I've done pretty well with the budget for the month. I've stayed on track entering purchases and paying attention to category balances. The last two weeks have been a little crazy so I've probably missed a few, but I have this weekend to reconcile all my info. I definitely blew the budget in one category. My wheel broke (Thanks Ohio potholes) and I had to pay for a new one. I need to be a lot better about saving for car repairs. They are inevitable, and I know the next expense coming is tires. Yay.

So onto February goals!!!
  • Read 4 books - I started The Prince Lestat last night and it seems pretty good so far.
  • File taxes. Just do it Whitney. Also, send refund straight to savings.
  • Start looking for/buy a dresser. Stop living like a college student.
  • Keep up with the budgeting. - so far so good, just need to stay consistent.
  • No food purchases at work. Yes this is a repeat, but its a HUGE money saver. Also its a lot healthier for me since I tend to choose burgers and fries at work. (Also cake, cookies, pies, you get the idea.)
  • Save $300 - also a repeat, but I've got weddings to go to, trips to take, and concerts to attend!
So what are your goals for February? Also my mom's birthday is coming up...any gift suggestions?

Wednesday, January 6, 2016

A Girl and Her Money : January 2016 Goals and Check In

It's my first post of 2016!

Many moons ago (6/24/2014 to be exact) I was really into personal finance. I was writing 'A Girl and Her Money' posts on Wednesdays. Well, I'm really into personal finance still/again and it's Wednesday and I have money things to talk about.

In my last post I talked about how 'adulting' was my word for 2016, and one of the things I mentioned was rolling over a 401k into an IRA. I mentioned that if I didn't know how to do something like that, I would ask and figure it out. Technically I opened the IRA before the end of 2015, but that is neither here nor there. Turns out it is really easy. Pick a company. Call them. Tell them you want to open a roll over IRA account. Call your old retirement company. Tell them you wan to rollover your 401k. Tell them how to make out the check. Deposit check. DONE!

Last night, I received my check, and with the miracles of modern technology deposited that bad boy with my phone on my Fidelity app. (Fidelity isn't sponsoring this post, that is just the company I chose to go with.) It was super easy (once I got my hands to stop shaking....dang coffee) and this morning it was credited to my new IRA retirement account. Easy as pie!

By the way where did that statement 'easy as pie' come from? Have you made a pie? I wouldn't exactly call that easy.

So that is my financial check in for the beginning of the month! Now here are my goals for this month:



  • 1.      No food purchases at work
    •  I started a new job, and said new job has an AMAZING cafĂ©. I was going to this cafeteria for breakfast, lunch, and afternoon snack almost every day. This translated to 66+ debit card transaction last month and a busted budget. No bueno.
  • 2.      Save $300
    • This is automatically moved from checking to savings every pay day so I don’t even notice it is gone.
  • 3.      Gather all my tax information to file 2015 taxes, and school forms for Boomer
  • 4.      Record all transaction in YNAB and do my darnedest to STAY. ON. BUDGET.

I'll let you know on the 27th (last Wednesday of the month) how it went!

What are your goals, financial or otherwise, for this month?

 

Monday, December 28, 2015

Closing out 2015 and my word for 2016

My calendar at work informed my that there are only 3 days left in the year.

I feel like 2015 just started.  I know it's cliche to say that, but somehow since Boomer started school, its like years just fly by and I have no clue where the year went.

2015 was a banner year for us though. We finally, FINALLY moved into a two bedroom place. This was something I had wanted since I separated from JJ and I finally made it happen. I love our new place, and I'm working on decorating and making it a home. I also got a new job, which came with a promotion. I know that I have worked very hard since finishing school to establish myself in my industry, but to see it all come together they way it did this fall was...a blessing for sure.

Boomer continues to do well at school, and is now playing the trombone. Leave it to my daughter to pick a brass instrument that is bigger than she is. When she went in to be fitted, the gentleman doing the fittings was concerned that such a tiny person wouldn't be able to get a noise out of it. Well...she blew us all away. Literally. She's also involved in a program in school where she reads to kindergarteners. All her teachers have told me how great and patient she is with the younger kids. (Which makes me laugh because home girl has no patience for me!)

I read a post on The College Prepster this morning where she wrote about getting ready for 2016 and choosing a word. My word for 2016 is going to be adulting.

Adulting has become something my contemporaries talk about when commenting on how hard it is to be a grownup, or how incapable they are of doing it, or how they don't want to, etc.

Well, I reject this.

I'm 30. In 2016, I will be 31. I am an adult. Period. It is past time to own it and do what needs to be done no matter how difficult, how boring, how scary. Need to rollover a 401k into a Roth IRA? Ok I don't know how exactly, but big girl panties on, I will figure it out and do it. Need to furnish my apartment? Stop complaining that I don't know how to decorate, and get some books from the library, ask for help from people who can and get that shiz done!

2016. Adulting. Let's do it.
 

Tuesday, June 2, 2015

Manic Monday : June 1, 2015.....Just Kidding It is Tuesday


*It was so Manic...it's published on a Tuesday*


If someone says 'manic Monday' and you don't immediately start singing that Bangles song...then I don't know what I can do to help you.

It is an entirely manic Monday.

I'm moving in 9 days.

I haven't packed a thing.

I have no movers.

I will be out of town this weekend.

So basically...I'm so far behind the eight ball, I can't even see it.

I think I've been in some sort of denial regarding the move. I know it is happening, I've wanted it to happen, but at the same time I haven't. I like living across the street from my mother. I have gotten used to my place, and even though it is crazy small and I don't have my own room, I will miss it.

It was a wonderful cozy place, when Boomer and I needed it. It was MINE. Without any help from anyone. It was proof that I could do it all on my own. It was OURS. Boomer liked having a roomie. She knew that if she was scared she could just take a few steps and be in my bed for a cuddle. We could be silly and have underwear dance parties. We could finally get a kitty friend.

And so we have grown up in this place. Our little 3 person family. (Yes, Jack is a person.) This place served its purpose and while I am sad to see it go, and really, really, really sad to leave my fireplace, I am excited for new adventures. I'm excited to decorate. I am excited to sleep in an adult size bed. (QUEEN SIZE) I am excited for Boomer and I to each have our own space. She only needs to walk a few more steps for cuddles.

If you've been reading this blog for any length of time, you know I don't do well with change. This is another big one. Boomer and I are nothing if not strong, resilient girls so I know we will be fine.

This post isn't going anywhere. Just my thoughts. Bear with me guys....the move will be over soon.

Wednesday, May 27, 2015

Moving: 14 Days and Counting

Suddenly I went from moving in a month...to moving in two weeks.

I still don't have movers.

I haven't packed a thing.

In an effort to purge things, my house now looks like a war-zone.

Oh...and my car is acting up.

When it rains it pours.

So...in the midst of all the raining, blogging got lost last week. I know, I know I was planning on getting back to posting 2-3 times a week (and that is still my goal, someone keep me honest), but life just royally got in the way last week.

Does anyone have great suggestions about moving, movers, how to get your soon to be 9 year old to not be a hoarder?

I'm all ears!

Thursday, May 14, 2015

Moving : 27 Days and Counting

Yes, we are moving again.

In the almost 4 years I've been blogging...I will have moved...3 times.

Once just Boomer and I, then JJ moved in with us, then Boomer and I moved out on our own again. (Yes...my marriage clearly had some ups and downs.)

Now we are moving again. I should be a pro, but the last move was actually almost 2 years ago. 2 years of accumulating stuff. 2 years of routine.

Moving is stressful. First there is the actual decision to move. Which I agonized over for 2 years. Not EVEN kidding.I planned on our 1 bedroom townhouse being a temporary stop in the midst of the divorce. Then Boomer switched schools and my commute went to Hades.  My current commute takes me up to the northern suburb where Boomer attends school, then past my house again to the eastern suburb where I work.


That 42 minutes  quoted by Google? Lies. It takes an hour. Twice a day. So more than an entire workday each week. In my car. They increased my rent again this year, to a price that made it cheaper to just move.  Also....we've been living in a 1 bedroom townhouse for 2 years. We each have separate beds....but share a room. While it was good at first while Boomer was dealing with the split. Momma now absolutely needs her own room. With a door. That shuts. That also locks.

Now, once you decide to move...then you have to chose a new home. OMG. The amount of places I looked at. Then dragged my mother to look at. Then looked at again with Momm and Boomer. It was insane. The places I loved were inevitably expensive. Then the places I though were priced alright I didn't like. I finally picked a place though, that will cut down our commute and that I think we will be happy in.


I know...15 minutes doesn't seem like much, but it adds up, and I won't be fighting as much traffic anymore, so truly this is going to cut my commute almost in half.

Now comes the logistical nightmare part.

Packing. Choosing movers.

I hate to pack everything. Part of me wants to get started and pack ALL THE THINGS. This is not practical because I need things day to day. So I'm trying to weed out all the things that DON'T need to make this move with us...in lieu of packing.

Movers. I now have enough real furniture in my possession that I don't trust the u-haul and friends method of moving. My pretty brand new couch will be moved by licenced, insured movers dang it! Said movers are not cheap.

So that is where we are. A month from D-Day. Oh and moving day?

The day before Boomer's 9th birthday.

Pray Saints.

Wednesday, May 13, 2015

KGB turns 4!!!!!!!!!

Wow...

I can't believe that 4 years ago today I wrote my first post!

Image result for birthday

My blog back then....oh boy I wish I had screen caps. I know nothing about blog design so I had the most basic of basic templates and I just had no clue what I was doing.

That being said I still don't.

My current design was created by someone else, even though I read Sarah's tutorials I still can't make all my pictures the same size, and for a while there my bloggy was silent.

Blogging has been an amazing outlet over the past 4 years. I met some of the coolest ladies here in my own city that I am blessed to call my IRL friends. I've 'met' other equally cool ladies from across the country and globe. I've used this space to write about parenting, and the off the wall Sh*t Boomer Says. I've talked about my relationships with men, my family, and myself. I've even shared my favorite beauty tips and tricks...and there was a brief foray into fashion blogging. :shudder:

So happy 4 YEARS KGB!!!!!