Sunday, February 23, 2014

Taxes

Last Thursday night I finally sat down and finished my taxes using Turbo Tax. This is a chore but one that is necessary or Uncle Sam will coming looking for me. I filed both my federal and state taxes electronically and both were accepted within 24 hours. There is a bigger than expected refund coming my way so I have decided to half on student loan and half to my travel fund.

The federal refund is bigger than expected but it is too small for me to adjust my withholdings. I am afraid if I do that then next year I may end up owing Uncle Sam and that is not a position I want to be in. Each year my goal is to break even with Uncle Sam or come out just ahead.


Money Update......I'm back.....transparency

I suddenly had the urge today to blog about my money. Why? Maybe because this morning it hit me that my retirement is coming along nicely but my everyday finances are still in shits and shambles depending on the day. LOL

Retirement: My retirement funds are coming along very nicely. I contribute to my pension and an IRA with vanguard. Combined there is about $35,000.

Credit card debt: This is a blog post by itself about emotions, cycles, life etc

Regular Savings: I am still saving what little cash I keep on hand in CDs. Why? This works for me. I use 3 month CDs from my credit union.
My other savings account is where I stash my travel dollars. Now you may ask why am I traveling and still have debt to pay off? Well because I can and my travels are not being put on a credit card.

Student loan: SallieMae was finally paid off in 2012 I think. Don't remember exactly. I now have one student loan remaining that has around $6,700 remaining. This will be my focus this year. It would make more sense mathematically if I paid off the credit card. However, I am not interested in the math. I just want the student loan gone forever and ever amen!!!!

Saturday, August 18, 2012

Vacation

I am going on vacation.....woohoo. It was paid for with cash. I can't wait to the in the sun, sea and sand of the Dominican Republic.

Saturday, July 21, 2012

Retirement

Retirement savings now total a little over 21K. Slow and steady wins the race.

Sunday, July 15, 2012

Still running

Ran 1.75 miles this morning. This has been my longest distance ever.

Sunday, June 17, 2012

Weight loss.....money....clothes

Yesterday I did more work in organizing my closet. OMG!!!!! I found more tops that are still new with tags on. There are bottoms that don't fit anymore because I gained a bit of weight in the past few years. The tops fit so I'll be wearing those. As for the bottoms, well I need to continue working on running and other exercise so I can lose some weight. I refuse to buy new clothes at my current size.

Still running

Running is cheap, I work up a good sweat and burn lots of calories. Today's training called for a 1.5 mile run. However, my legs are tired. I'm switching it to Monday. My new running sneakers by Saucony are absolutely awesome. Bought a new dri-fit shirt yesterday at Target for less than $20. This brings my dri-fit shirt total to 3. This is enough for now. Once the weather starts to get cold I'll buy more running clothes.

Sunday, June 10, 2012

I'm running

woohoo. Last week I started the Jeff Galloway 5K training program. I was so excited to hit the pavement. Running has been a goal of mine for a while. My knees are finally co-operating (long story). The program calls for a one mile run the first two Sundays. My first mile was 15:37 and my second mile was 14:14. You might ask why is she so excited??? Well because I can run.
Stay tuned.

Running sneakers: $117.00

Running shorts: $49.00

Hitting the pavement: Priceless



Saturday, June 09, 2012

The year is halfway done. It's time for me to sit down and calculate how much I would have to throw at my student loan each month to pay off by 12/31/2012. I really don't want to carry this student loan into 2013.