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Archive for July, 2009

Evidence of my quest for a simple life!

July 31st, 2009 at 10:16 am

I have small projects I tackle everyday in my quest to live a simpler life. Today I conquered my linen closet. I've attached pictures (I forgot to take a before picture).

The white bag is the stuff I'm giving to the goodwill. There was only one blanket I could not part with. It's an ET blanket, the first matching bed set we'd ever had from 1982.




I'm also re-reading Dave Ramsey's Financial Peace Revisited. I've come to realize that I have not been serious enough about paying off the mortgage and more of our extra money should go towards paying this debt, which we pay over $10,000 in interest a year. I'm also going to make a priority to maxed out my contributions to my Roth IRA. We have one year's worth of an emergency fund, but I would really like to have 18 months worth. I know that I'm probably overly ambitious, but I think that with effort my husband can accomplish these goals.

Simplicity quest #3 and line of credit

July 29th, 2009 at 05:50 am

This has been a productive summer. I've read two books and watched 2 movies I'd been wanting to watch. You know, I'm on this simplicity kick and I've gotten rid of a lot of junk. Last night, I put all of our insurance policies declarations and income tax papers in the safe. They were all scattered in different places. I'm also trying to economize by getting quotes from different insurance companies to see if I can get them lower. I hope I can!! We are soon combining three bills (cable, internet and phone).

About my line of credit:

Two years ago we opened a line of credit for $100,000, but have never used it. I can keep it open, but it's costing us money because we had to up our coverage for homeowners insurance policy. Today I will discuss this with my husband and will have to make a decision on whether we should close or keep open. What would you do if you were me?

Have a good day!

September bill is now due in August :(

July 25th, 2009 at 02:12 pm

I got my property tax bill for 2009-2010 and I'm officially paying over $8000 a year ($8,103 to be exact). Usually this bill comes mid-August, giving me the chance to start pay for it mid-Setpember when I'm actually working again, but no such luck this time. The bill is now due mid-August. I had to pull $2058 (quaterly amount) out of my summer fund to pay for it, as well as $2,390 to pay the credit card I charged the tuition for the 2 graduate courses I've taken this summer. So yeap, tapping into the money market account is going to be certain. Oh well!

I hope you are all having a good weekend!

P.S. My nephew (my sister's son), who is in boot camp in Kentucky will be stationed in Alaska at the completion of his training. A Florida boy in Alaska!

Goals for 2009 in the works!

July 22nd, 2009 at 05:48 am

I wanted to give you an update on our summer fund and expenses. Well, a week ago I transfered $5,000 to the money market account from our summer fund. It left us us with $9,659 and as of today $8,288 remain. We finally got the paperwork for our inground oil tank removal and we figured out that we would have to use about $3800 of the summer fund. The good news is that there is a government fund that would reimbursed homeowners for the removal of these tanks if you have assets of less than $500,000 excluding your primary residence. So in total I think we can recuperate a minimum of $3,000(town permit and application fees are not returned). We will also need $2000 to replace the deck and next month we will have to pay our son's tuition for the fall semester which will run us about $2500 (books included). Oh, did I mentioned that when we get all of these things accomplished we'll have met three of our 2009 goals?

There it is, our summer fund is completely wiped out and inevitably I will have to use some of that money I transfered to the money market account. We decided that our vacation we'll just have to wait and I'm okay with that!

On another note, I'm doing pretty good with taking graduate courses in the summer. I just completed one class and I will begin the next one the 2nd week of August. I'm pretty excited because this means that I would go up in the salary scale at work ($1,750 more per year). Once I'm done with my Masters, the increase will be roughly $4000) /.

Okay, enough about me! Have a great day.

First Weight loss update

July 15th, 2009 at 11:12 am

Tomorrow I will begin my third week on Weight Watchers. To date, I've lost 6 pounds. I've been able to resist a lot of food temptations and on that end I'm proud of myself. I've also struggle some days to continue eating the right foods. I'm now keeping a journal where I write everything I eat and my feelings for the day.

For me food is an addiction and all I can do is take it one day at time. I'll post my weight loss or gains (there will be weeks in which I will not lose but I may gain)every two weeks.

The quest for simplicity continues!

July 11th, 2009 at 07:54 pm

My husband helped me clean the basement of our home today (a finished basement that serves as a recreation room). I managed to toss a lot of junk and organized all of the storage space. Some stuff went to the garage sale pile, including a buckets full of Leggos, GameCube console with concrollers and about 10 games, GameBoys with games and other miscellaneous gaming stuff. We are hoping to have the garage sale next weekend and anything that does not sell will be thrown out or given to the goodwill.

Last night, I gathered all of the paperwork from the college I'm getting my Masters degree and put everything in a binder. My son saw me doing this and he wants to do the same with his college forms and correspondence. Tomorrow I'll tackle smaller a smaller task since I am completing another graduate course by Tuesday and I have to be there from 8:00 to 4:30.

I get this wonderful feeling now that I have less and less junk to store in my house. The less, the better!

On a quest for simplicity

July 10th, 2009 at 12:38 pm

Between last night and this morning I managed to put a lot of family pictures in albums. I collected all of my photo albums and my kids artwork I've collected throughout the years and put all of it in a suitcase in a closet near the front door. My reasoning for this is that it can be easily rolled out in case of a fire. Everything else can be replaced!

I'm slowly simplying my life by getting rid of unuseful things and it really feels great! I'm on week #2 following the Weight Watchcers Plan and I'm doing well.

We are currently shopping around for the materials to replace the backyard deck. I'll take before and after pics when we get started on that. We're also looking for a place to stay when we visit Ocean City, Maryland next month. We are hoping to book something by today.


Have a great weekend!

A good day.

July 4th, 2009 at 04:12 pm

Just an update on my eating habit changes!I'm proud of myself! I attended a 4th of July picnic today and I'm proud to say that I was very good on eating healthier. I chose the fruit and veggies intead of chips and dip. I brought a boneless chicken breast with me to grill instead of eating a burger and I skipped dessert. I'm taking it a day out of time.

About me.

July 2nd, 2009 at 11:08 am

Yesterday I was comfronted with the possibility (more like a probability) of being a diabetic. I really have to come to terms with my weight problem (about 60 pounds over weight). To make matters worse my knees are starting to hurt a lot because of all of the excess weight. I have family history of heart disease, hypertension and diabetes. Last night, I allowed myself to cry about it and evaluated my relationship with food. I grew up poor, sharing everything I had with my 6 sibblings. My portion of the meals was one of the things I did not have to share with everybody else. I eat when I'm happy, when I'm bored, when I'm sad, etc. I realize that this is the area of my life where I feel out of control. I feel accomplished as a mother, as a wife and professionally, I feel I'm growing. Today I began taking baby steps in becoming a healthier person. I hope that I can share my trials and tribulations as well as victories with you because you are not judgemental. I need your support!

Oh... and to make it saving related, buying healthy food is expensive but worth it and when I succeed at losing weight, I won't have to spend too much money going to the doctor for weight related illnesses.

Thank you for reading my entry!