Friday, May 28, 2010

Monthly Student Loan Debt Roundup

Technically Monday is the end of the month, but I'll be enjoying a relaxing day off from work, so I figured I would do my monthly student loan roundup a few days early. It may skew the numbers a bit on the loans where they update the interest daily...but you get to see the basic picture..the balances are going down down down! My law school loan now stands at less than $1000. I can't wait to kiss that sucker goodbye!

Here are this month's numbers:

Have a Happy Memorial Day weekend, everyone!

Thursday, May 27, 2010

Budget 5/26 - 6/8

I can't believe it's almost June! Which means, among other things, it's almost time for me to get married. Wow! But that's not until July so I'm gonna take things one month at a time.

I need to be on top of my budget as the wedding nears so we can pay off all of our vendors and have money to spend on our honeymoon. I can't wait for Hawaii, I need a vacation.
Luckily, Memorial Day weekend is just around the corner so we do get a three day weekend. We're going camping with some friends.

So here is my budget for the next two weeks.

Starting Balance = $1337*

Credit Card - 150
Wedding Savings - 700
Wedding Makeup Deposit - 50
Perkins Loan - 93
Law School Loan - 80
Groceries - 75
Healthcare - 40
Misc. - 149

*Look at all that money. Did I get a raise, you ask? No. After speaking with our financial advisor, I decided to reduce my 457 contributions so that I can contribute more to a Roth I.R.A. first. I am still saving 2% pre-tax and will post more about the Roth later on.

Where it Went 05/12 - 05/25

I've been a bad blogger and an even worse budgeter! Work, life, wedding planning, etc. etc., but instead of making excuses, I will just give the quick and dirty details of how my last paycheck was spent:

Credit Card - 150
Sallie Mae - 406
Defaulted Student Loan - 260
Sprint - 74
Healthcare - 40
Personal Training - 60
Misc. - 240

I wish I could remember what I did with the $240, which is a little higher than I usually manage to spend in a two week period, but I can't seem to recall right now. Bad bad budgeting. Getting back on the wagon right now!

Wednesday, May 12, 2010

Wedding Wednesday

Ann over at Affecting Change in Me posted a Wedding Wednesday post today and it was interesting for me to read and I figured maybe some of my readers (who aren't yet as sick as I am of wedding talk) would like to read it as well.

I don't have a nice organized list like she does, but here is a random stream of consciousness on all things wedding related today...
  • I had my shower two weeks ago and I only have a few more Thank You cards to send out. I know as a guest I hate getting late thank yous so this will be finished this week. The shower was a blast and we got some really nice stuff. (Now where to put it?)

  • My bachelorette party is this weekend!!! A few friends and I are meeting in the city and going to a bar and then a show. I'm very excited!

  • We are sending out invitations ASAP. Hopefully they will be in the mail by Monday, which will be exactly two months before the wedding. We already sent Save the Dates a year back so most everyone knows when the wedding is, but we still have to do this, ugh.

  • I have my first dress fitting next weekend. I am excited and nervous at the same time. I have not seen the dress since November!

  • Next week my fiance and I are meeting with our photographer to do an Engagement Shoot. This should be a good time to get to know him better and be more comfortable posing for pictures on the wedding day - plus it's included in our package. I don't know what to wear!

That's about it for now. Well, not actually. I don't now if my future groom and I have a place to stay the night of the wedding, I haven't even looked at veils, figured out our centerpieces, our menu or our cake...but those are blog posts for another day!

Happy Wedding Wednesday to other brides out there in cyber land!

Where it Went 4/28 - 05/11

Is this thing on? After many requests and convincing my FH to agree, I posted his budget last week and no one said a thing. Is anyone still out there?

I am pretty stressed right now to be honest. Not money-related exactly but I feel with the wedding coming up there are so many demands on my time. Easter, Mother's Day, dress fittings, showers, parties, etc. have kept me traveling for the past five weekends. And there is no end in sight. In fact, between now and the wedding I will only spend about three Saturday nights in my own bed. (Hahaha I'm sleeping around...but really!) And on top of all these obligations, there's the nine zillion wedding details to work out.

Spending has been a little high too. I think I'm going to stop seeing a personal trainer. On top of being expensive, I really don't have the time anymore. So here's my latest budget breakdown:

Credit Card - 100/0
Wedding Savings - 500/500
Perkins Loan - 93/93
Law School Loan - 80/80
Groceries - 100/60
Health - 90/105
Personal Training - 140/140
Misc. - 157/180
Clothes & Gifts - 0/100

I got my state tax refund finally - for some reason they only decided to give me $88, about $100 less than Tax Act said I was supposed to get. They sent me a letter but it didn't really explain it in a way I could understand. It made up for the two sets of Mother's Day cards I bought - left one at work (doh!). Guess I'm all set for next year.

Monday, May 10, 2010

Going private?

So I'm posting this in the hopes that one of my favorite Personal Finance bloggers sees it. She has commented a few times on my blog so I hope she subscribes. I've been reading her blog for years and it looks like she went to invitation only recently.

Anyway, if you think you are this person, please (pretty please!) send me an invite to your blog at salliesniece (at) gmail (dot) com.

And if you're not sure if you're that person or just a person who wants me to read your blog - feel free to send me an invite as well.

Monday, May 3, 2010

Our Money: The Other Side of the Coin

At long last, I am able to share with you the rest of our household finances, i.e. where the heck my fiance's money goes. I would have done this sooner since I know a bunch of people are curious how things will work after we're married but my fiance's way of maintaining his finances and mine are pretty different.

As you know, every two weeks on payday I map out the bills I need to pay and how I plan to spend the rest of my available cash. I guess you could say I am still living paycheck to paycheck in this respect.

My fiance, on the other hand, has a complicated (to me anyway) system he tracks using Quicken where he transfers money in and out of multiple accounts. He also pays for and gets reimbursed for a lot of business expenses. Every time I tried to look at his spreadsheets with all the colors and mathematical symbols I would get frustrated and just give up. But alas he has provided me with a simple spreadsheet, which I further simplified, that gives a better look at a typical month's expenses. Here it is:

So there you have it. His biggest priority is paying off some credit card debt that we (admitedly) both acquired during vacations over the past year. The total is about $6,000 and most of it will be paid off by the wedding.

As you can see this budget is far more detailed than my "pay student loans and then maybe some other stuff" budget but I hope it gives you more insight into our household finances.