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Um, that’s MY money Mr. Obama!

January 10, 2013

Frustrated.

I have been frustrated most of today. I’ve been waiting for today because I knew my take-home pay would be changing in 2013 with the deduction of the health insurance benefits I can now afford (yay for that!) and I really couldn’t tweak my budget until I knew what the amount would end up being (especially with the fiscal cliff ridiculousness).

So I logged onto my bank account to check the deposit amount this morning and almost fell out of my chair when my body went numb from shock.

I won’t go into numbers right now (that’s going to come up in the next budget post) but suffice it to say there is going to have to be some major budget tweaking and getting frugal around here.

Like, pennies are going to be shrieking because they’re being pinched so hard…

I do enjoy a challenge though, so I’m ready to roll my sleeves up and figure this business out so I can get to buying a house more quickly!

Did anyone else have a moment when they saw their first paycheck of the year?

*I’ve been working on some printable budget sheets and such for y’all and I plan to have those available on the site by the end of this weekend. We’re going to start the budgeting next week!*

Have a happy Friday!

2013 Goals

January 7, 2013

Happy New Year!

So, I’m a few days late (and probably a few dollars short), but that doesn’t matter around here!

2013 is going to be a spectacular year! How do I know this? Because I’ve decided it will be.

Of course, this is the time to decide what goals we’re going to achieve this year. I hope you’ve made some, because personally, I love to have goals. They keep me driven, and give me something to shoot for. Without them, I feel like I end up walking in circles.

Without further ado, these are my 2013 goals (I don’t want to call them resolutions because we always end up breaking those by February, right?):

1. Walk a little closer with Jesus – I’m a Christian, and late last year I rededicated myself to Him. I know some of you may not understand this one, or be in tune with that. While my faith is a big part of my life, this blog is not a pulpit and I don’t intend to preach to you (about any topic). If you’re on the same page, awesome! If not, that’s cool, too. We can all get along.

2. Lose 40 pounds – Yeah, I’ve heard from several people that they wouldn’t guess it to be possible for me to lose that much without being deathly ill, but I know what’s there and what wasn’t there before my daughter was born. Parenthood can wreak some havoc on your body, let me tell ya!

3. Consolidate my student loans – I talked about this last year and never ended up following through with it simply because it was scary and A LOT of paperwork. I will have to do this, though, to accomplish my next goal…

4. Buy a house – Heck yes, I want to take the plunge! I’ve lived in apartments, and E and I live in a rental house now. It’s time to make somewhere ours. I get incredibly frustrated paying rent each month knowing that after all these years I still have nothing to show for it. And yeah, I want to nest. I want to paint the walls and hang pictures and not worry about who cares that I did.

5. Grow my small business – Yes, I technically own my own small business although it’s still in the beginning stages. I started the business to make a sustainable side income and while it isn’t crazy-difficult to get a business started, getting a business to make money can be a challenge.

There you have it. Those are my goals. Did you make any? I’d love to hear them!

Today, though, I simply wish you a very Happy New Year. I hope the best for everyone, and I’m excited to see where this next year takes us.