Tuesday, October 28, 2008

update....

Updates -
Well...In good news, I got a raise at my job. And I've definitely noticed the difference in my checks - so that makes for happy times.
In other news...I SO need to get back to budgeting. I haven't been actively WRITING out what I have to do.
A good thing is that I'm over 50% to my January wedding goal. YESS! I cannot WAIT to pay that credit card OFF :) Not much longer to go.
In bad news - I acquired two additional expenses, LSAT prep course and the February LSAT.
I guess I'll be happy in 4 years, after I pass the bar, graduate law school and I'm RICH...LOL.
This adult thing - not so cool. It's takes an UBERLY LARGE AMOUNT OF DISCIPLINE to manage your money. I'm glad I realized this at an early age though. I'm listening to some adults around me and I realize no one has really taken the proper steps to make sure they don't end up in the welfare line after they retire....craziness, I tell ya. Perhaps ignorance earlier on in life...but what a horrible way to learn a lesson.
I think I still have friends who don't invest in their 401(k).....what do you think will save you? Pension?
Well...that's enough of my rant. I'm going to go look at my bank account now...

lol

Monday, October 6, 2008

Spendin', not Pinchin'.....ERRR!

I've been pretty bad with finances lately. I'll be honest. I got this unexpected bill and needless to say, I had to pay it off quickly and I wasn't counting on it. So I've been charging more than I normally do - even my fiance noticed it and was like, "hmmm - credit??"
I wanted to punch him in the face...then I figured it wasn't his fault that the bill had piss poor planning in it's arrival, lol.
I blog all of that to say, you never know exactly when bills are going to come out of nowhere, so it's always better to be prepared and have "extra" money just in case....which leads me to another point.
I've been an advocate of budgeting down to zero for quite some time....ever since I was introduced to Dave Ramsey - but now my budget has been SHOT for the past month b/c of an unexpected bill!
I guess I could now factor this new bill into my budget for the next two months.
Either way, I'm still annoyed.
Perhaps I will go back to not accounting for approx. $100 - or I'll put it to the "blow" category. I don't want to get caught in this situation again. Grrr.....

And I seriusly need some new clothes - like yesterday. I think I'm going to hit up the mall - I haven't been shopping since the summer. It's time for a fall wardrobe!

That's all....