Yes I'm still around
I know I haven't posted in a while so here a new entry.
I've been mostly busy with work, I know working a from 8:00-4:45 shouldn't consume my whole day, but it mostly ends up doing so. I still need to get my personal life in order. The house is a mess, though it has days of being passibly clean. The longer I'm at my job the more I realize at some point I'm going to have to go back and get my degree, but I don't know how people do it.
I bought an exercise bike to try and shed a few pounds and gain some energy. Jim and I are getting the chimney fixed today and we preordered a wii. We also helped Jims mom out with some money towards a new computer. So while for the most part these aren't bad uses of money I'm starting to feel like we're bleeding money. I saw the checking account the other day and it was dangerously low (of course this is also because we moved a huge chuck from checking to savings earlier this year).
I keep reading these boards about budgeting money, but we do most of the things they tell you already. Every board tells you to get rid of high interest rate credit, and thats great advise, but what do you do when your savings account rate is higher then your student loan rate, and the only other loan you have is a mortgage? I know the answer is spend less, and the truth is we're doing fine but I still panic sometimes.
And worse then budgeting money is budgeting time. But no one really talks about that. Jims been wrapped up in a HUGE project at work, that unfortunately just got a whole lot huger (is that a word?). The good news is they have a deadline now, 12 days. I really need to set a schedule for house work and stay to it, but its so easy to put it off to the weekend and then never get to it. I really wanted a house when we bought this one, but I wonder if an condo wouldn't have been better for us.
I've been mostly busy with work, I know working a from 8:00-4:45 shouldn't consume my whole day, but it mostly ends up doing so. I still need to get my personal life in order. The house is a mess, though it has days of being passibly clean. The longer I'm at my job the more I realize at some point I'm going to have to go back and get my degree, but I don't know how people do it.
I bought an exercise bike to try and shed a few pounds and gain some energy. Jim and I are getting the chimney fixed today and we preordered a wii. We also helped Jims mom out with some money towards a new computer. So while for the most part these aren't bad uses of money I'm starting to feel like we're bleeding money. I saw the checking account the other day and it was dangerously low (of course this is also because we moved a huge chuck from checking to savings earlier this year).
I keep reading these boards about budgeting money, but we do most of the things they tell you already. Every board tells you to get rid of high interest rate credit, and thats great advise, but what do you do when your savings account rate is higher then your student loan rate, and the only other loan you have is a mortgage? I know the answer is spend less, and the truth is we're doing fine but I still panic sometimes.
And worse then budgeting money is budgeting time. But no one really talks about that. Jims been wrapped up in a HUGE project at work, that unfortunately just got a whole lot huger (is that a word?). The good news is they have a deadline now, 12 days. I really need to set a schedule for house work and stay to it, but its so easy to put it off to the weekend and then never get to it. I really wanted a house when we bought this one, but I wonder if an condo wouldn't have been better for us.