This whole stock market thing......

is not for the faint of heart. My 403B dipped a bit, we now under $6,900. I am not logging in again to look at it until am ready to do the roll over.

Check out this NY Times article

This NY Times article talks about the sacrifice potential buyers made to purchase their own apartments. There is hope after all.

Cooking at home really is alot cheaper

I just spent $14.78 at the grocery store. With the recipes I have in mind, I will have enough food for a week. Granted that one recipe calls for rice, and I already have that at home. I do not need to order takeout or buy lunch when I get to work next week.

Quote of the Day

'Are you anorexa'?

'You a doctor? And your wife is studying to be a surgery'?

Meet The Browns by Tyler Perry.

Lawwwdddd Am home and catching up on the Tyler Perry plays. *faint*

Real Random

1. Rachel Ray has an annoying a.zz voice.

2. Everybody and they mother have a talk show. Maybe I should get me one.

3. I choose to be home in between jobs, the bills are paid and it is not out of your pocket. Don't worry, it really is none of your business.

4. Ok so your married with child, what does that prove? I don't envy you sweetie.

5. Negro if you call my phone one more damn time, we are gonna have a problem. *wondering if e-fund is enough to bail me out of jail*.

7. My horoscope sign says Gemini. Chances are I have a multiple personality disorder.

8. My car has not moved in two days. No gas, no tolls, no nothing. Yipppeeeeee!!

9. Now that I have this much free time am spending way too much time reading celebrity gossip websites. This is my new hobby. LOL

10. "Yo, what's good?" Huh!! you kidding me right? Is that how you speak to someone on the street you donot know? I don't know what's good, but I do know what's bad. Move your dumb a.zz from my view.

WTF is wrong with the NY tax man

I called the automated number to set up my tax payment. This computer bastard had the nerve to tell me that my $50 a month is not enough. Look azzhole am only working part-time so that is why I propose $50. Here is the kicker, the automated system then tells me the minimum I can pay is $51. A damn dollar, you kidding me right. A freakin dollar.

Mmmmhhhmm... now am on hold for an agent.

Ok so the damn automated system hung up the phone on me. I called back and agreed to pay $55. Agreement accepted. Done!!

The tax bill is here

I owe NY state a little over $1,000. Damn, damn, damn. This is one of the reasons I quit the job across the bridge in stinking NJ. They fvcked up on the amount of tax to take out for NY. Now I have to get on the phone to set up a installment payment agreement cuz I don't have a grand just lying around.

Library day

I am off to the local public library to pick up a few books. Instead of being lazy and driving, I'll walk over there. The best thing is it is all free.
Just need to move the car to the other side of the street so that I do not have to wake up in the morning for that alternate side of the street crap.

Edit:

The sun is kinda hot, and your girl is allergic to the sun, LOL. Am just going to lay out and chill till this afternoon, then I'll go to the library.

Bored and shopping

So Ms. TBB is home during the day, and guess what she did today? I went shopping.......I just want to kick myself. I will probably return the stuff I bought even though it only costs $30. For the rest of the week I am not going outside unless it is to go to work in the evenings. Apparently, being bored and roaming the shopping areas is a bad thing. If I keep this up I will be broker than broke, and that would only bring more stress. Need to start that day job quick fast and in a hurry, LOL.

Spending Diary

Starting in the month of August I will 'try' and keep a spending diary. I will write down my daily spending on everything from rent to bagels. At the end of each week I will post those spending on my blog.

Am too lazy....

to update the 'Blogs I like' link on my page so I go to some of my favorite blogs to get to my other favorite blogs. Here is my travel route...to BK diva I get to Organized Noise, Just Me Writing, Ms. Behavin and a few others. Ms. Behavin hooks me to Ghetto Economics and others.

From Single Ma I used to go Brooklyn Diva and Always Funky Fresh till I updated a few months ago....now I only have to go Single Ma to Boston Gals Open Wallet, Young and Broke and Money Monk and All Financial Matters among others.

Pure laziness I tell ya! With all the free time I have during the day, I need to get on the ball. I promise to do it tomorrow (remember I did not say which tomorrow). LOL

Apartment Living

The exterminator guy comes to my building once per month. I have been in my apartment almost 3 years and today was the 2nd time he has been in my apartment. I am normally not home during the day when they arrive.
Now that am home during the day (long story, waiting to start a new job) I am getting a few things accomplished. Don't worry am not completely without income, I am still working around 30 hours per week, just at nights.

Financial update

One of my credit card now has less than a $900 balance. This should be paid off by the end of September. This is a credit card that will remain open and in the under wear drawer (lol).

My student loan payments are still on track especially Sallie Mae. The principal is going down each month. There is a federal student loan that I would like to get rid of before the end of the year. The balance is a little under $2,000.

Since I tend to have financial ADD am trying really hard to make these two my projects so that I can make some real progress. I realize that in the past not focusing and having a plan is one of the reasons am broke. I would save money and immediately use it, because as I saw it I had a job so could save it again. Bad, bad thinking. I am working on changing all that.

Maury Povich

Does he do anything besides 'Your my baby daddy shows'? WTH, Am home today, and watching this show is a damn disgrace. People use condoms.

And the boy Harry that the three girls claim is a baby daddy could not touch me with a 10 feet pole. Talking about he's not the daddy cuz the child is bow legged. WTF. I can't watch this anymore. Am switching channels.

The Year To Date column on my paycheck has me a bit depressed again! Arggghhh where did all that money go?

Random thoughts and things about me

This is a personal vent, and hardly finance related.

Lookah here Einstein..... News flash, I am not a people person, or a social butterfly....Step! Need I repeat myself.

WTF is with the fake smile? Why you give me that crazy look when I do not smile back.

Guess what, this is what my face looks like 99.9% of the times. I smile when am eating only.
This blog is the most friendly I get. Trust me on that.

So what we are blood related? I can't choose my family, but I can choose to ignore your azz.

Am broke, stop asking me to do shi.t. Yeah so what am always broke, if it is a problem to you then give me some money. I take Benjamin's only.

Leave my generic looking car alone, I don't need rims, tints or bobble head dolls on the dash ( I hate those damn dolls by the way).

Parking in Manhattan for only $225,000

Only in Manhattan can parking costs more than a home.

Ridiculous.

My advice to aging boomers

I am not an expert in any field, well except maybe sleeping and eating. However, I do have some advice for aging boomers because of the work am involved in. This is advice is for boomers, their parents and their kids.

1. Let someone know where all your paper work is.

2. Get a handle on and consolidate your accounts as much as possible. Your children in their 20's and 30's will have a hard time trying to gather things together when you are older.

3. Appoint a power of attorney when your are still able to understand what is going on. Please make sure this person knows what the heck they are doing.

4. Have enough health insurance. MEDICARE IS NOT ENOUGH.

5. Make sure you educate yourself and your family on the different clause in your insurance policy.

6. Get LONG TERM CARE INSURANCE. It goes a long way.

403B Roll over update

My 403b will be rolled over into a Vanguard Ira. All the money will be put into a targeted retirement fund. I have many years until retirement. I am going to park the money there for a little while until I am more educated on investing, and have paid down some more debt.

There you have it, decision made.

I welcome all concerns and comments. No questions though because I probably have no answers, LOL.

My 403B is now over $7,000. This is one of the fewer areas is my financial life where I am making real progress. I have increased the amount in my account by over $1,000 since April.