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Archive for May, 2009

New goals

May 30th, 2009 at 10:48 am

Since we've accomplished our financial goals for 2009, I need to set some new ones to keep me on track. I want to see if we could have $5000 remaining on our summer fund money by September 1 (we begin working again then). I will transfer that money to our Money Market account to increase our bottom line. Hubby is hoping to get a summer camp run working 4 hours for 5 weeks this summer ($2800). I also want to start working on my personal goals, which I've neglected.

Have a great weekend!


May 28th, 2009 at 12:13 pm


Job- I signed a contract for the 2009-2010 school year. I will be a tenured teacher then.

Education- I'm taking 2 graduate courses this summer. This will bring me to the BA + 15 in the salary guide which means a $1700 pay increase)

Finances- A few unexpected expenses but no major setbacks.

Son's tuition- $2000 due in August. He's taking two summer courses to make up for the two that he dropped (one in the fall, one in the Spring). I did not paid for those courses; I told him I only pay once. Any dropped courses are his responsibility, not mine.

Vacation- Still in the air; I'm not sure if I want to splurge on an all out vacation. I might take a mini-vacation and stay local.

Home improvements- Deck will be replaced and inground oil tank will be removed (there might be some government grants available).

I stayed home today, I'd been feeling a bit run down lately.

Goals met!!! O/

May 16th, 2009 at 04:52 am

All savings goals have been met! I feel so accomplished today. It was not easy, but saving after a while becomes second nature. My husband and I are 10 months employees and our 2008-2009 contract year ends on June 30th. We have three more paychecks until then and any surplus will go into our various savings accounts. It helped that my husband received his retro check this pay period ($970) and his extra monthly income was a little over $700.

We're heading off to my son's Lacrosse game and a Holy Communion Party late afternoon.

Have wonderful and blessed weekend!

A math question

May 15th, 2009 at 01:39 pm

Pardon my ignorance, but can anyone tell me the math formula to determine how much of our income is being used to pay our mortgage every month? How much of our income should we be spending on the mortgage?


A $596 error!

May 11th, 2009 at 04:07 pm

Today, we get a call from our heating oil provider telling us that we were 3 months in arrears. I told her there is no way and that I'd call her back when I gather my credit card statements (I paid this bill with it so that I can get Amazon certificates). I called her back and asked her if a credit of $596 was posted to my account. She said, "no". So I sent my husband to take the CC statement to her to make a copy of it and get to the bottom of it. She called back and told me that I should be hearing from her probably tomorrow. This whole thing got me thinking; ordinarily I'd just pay what the bill says I owe. I'd probably reason that I forgot to pay the bill last month. Well lesson learned, I'll check all of my bills for now on. People do make mistakes.

Great news

May 1st, 2009 at 08:43 pm

Hello fellow bloggers. Great news to tell you, I just met another savings goal! My summer fund is fully funded and my last savings goal should be met soon. I also got an e-mail that I received my $100 for making at least a minimum deposit of $50 a month to my TD Ameritrade Suze Orman "Save Yourself" Roth IRA. I'm hoping to make the full contribution in 2009.

We are trying not to buy too much food and eat from what we have in the pantry and the deep freezer. I have alot of vacumned sealed fish so we'll be eating that for dinner at least two days a week. We want to make room for burgers, hot dogs (summer bbq meats). For now, I'll just buy just the basics and my kids' snacks.

I'll be working on my 4th graduate course research paper, so I'll be busy with that, but I'll be checking your blogs when I need some down time.

Have a safe and happy weekend!