2017 Goals

Theme: Become more of who I really am

I will achieve this by:
1. Regular healthy living,
2. Recognize triggers and stressors,
3. Exercise new thoughts and beliefs through new behaviors

Monday, September 4, 2017

September 2017

Goals: Bike 30 miles in 2 hours; Clean out 1 floor of my house

F 9/1 - Travel -150.00
Sat 9/2 - No Spend!
Total $ 150.00

Sun 9/3 - Food -17.33 
M 9/4 - Gas -39.00  
T 9/5 - No Spend!
W 9/6 - Food -18.83, Food Out -5.20 (24.03)
TH 9/7 - Food -24.90, Food out -19.50 (44.40)
F 9/8 - No Spend!
Sat 9/9 - Food Out -77.65
Week Total  $ 202.41

Sun 9/10 - Food Out -42.90
M 9/11 - No Spend!
T 9/12 - Food -13.96, Food Out -26.96 (355.62)
W 9/13 - Additional student -$200, Food Out -7.40 (207.40)
TH 9/14 - Food Out -3.18
F 9/15 - Food Out -49.64
Sat 9/16 - Food Out -17.61
Week Total  $ 361.65


Sun 9/17 - Gas -44.23, Food Out -3.18 (47.41)
M 9/18 - Food -7.68, Food Out -6.53 (14.21)
T 9/19 -  No Spend!
W 9/20 - Food -7.00, Food Out -6.53 (13.53)
TH 9/21 -
F 9/22 -
Sat 9/23 -  
Week Total  $
Exercise: 

Sun 9/24 - No Spend! 
M 9/25 -
T 9/26 -
W 9/27 -
TH 9/28 -
F 9/29 -
Sat 9/30 - 
Week Total  $

Month Total $

Goal Evaluation: Bike daily

Tuesday, August 1, 2017

August 2017

Goals: Exercise Regularly

T 8/1 - Personal Care  -17.12, Gas -38.85, Misc -15.9 (71.87)
W 8/2 - Food 59.18, Food Out -26.98 (86.16)
TH 8/3 - No Spend!
F 8/4 - Home Misc -79.15, Food Out - 59.67 (138.82)
Sat 8/5 - Food (family gathering) -41.44, Gift -100, Food Out -20.57 (162.01) 
Total $ 458.86
Exercise - 4 

Sun 8/6 - No Spend! 
M 8/7 - No Spend! 
T 8/8 - Food Out -5.19
W 8/9 - No Spend!
TH 8/10 - Food -39.2, Food Out -3.00 (42.20)
F 8/11 - Personal Care (hair) -111.00
Sat 8/12 - No Spend!
Week Total  $ 158.39
Exercise - 5

Sun 8/13 -  No Spend!
M 8/14 - Food -34.95, Gas -37.88, Gift -30.95 (103.78)
T 8/15 - Electronics -120, Food -14.76 (134.76)
W 8/16 - No Spend!
TH 8/17 - No Spend!
F 8/18 - Food Out -50.75, Gas -20.23 (71.00)
Sat 8/19 -  No Spend! 
Week Total  $ 309.54
Exercise: 5 

Sun 8/20 - No Spend! 
M 8/21 - Food 58.83
T 8/22 - No Spend!
W 8/23 - No Spend!
TH 8/24 - No Spend!
F 8/25 - Misc 105, Food 11.47, Food Out 11.81 (128.28)
Sat 8/26 -  No Spend!
Week Total  $ 187.11
Exercise: 5

Sun 8/27 - No Spend! 
M 8/28 - Food Out -11.48
T 8/29 - Food -13.67, Gas -27.62
W 8/30 -  No Spend!
TH 8/31 -  No Spend!
Week Total  $ 52.77

Month Total $ 1,166.67

Goal Evaluation: Exercise Regularly - Improved 

Thursday, June 29, 2017

July 2017

Goals: Track Discretionary Spending, Exercise Regularly, and reach checking account savings goal.

Starting slow and getting back in the game.

Sat 7/1 - No Spend!
Total - No Spend!

Sun 7/2 - No Spend! 
Exercise: Run 4 miles, Poor, very hot
M 7/3 - Electronics -298.53, Hair Care -15.70, (314.23)
Exercise: Back row, squat, burpee, bicep, abs
T 7/4 - Gas -14.78, Food Out -6.46, (21.24)
Exercise: Run Freedom 5k
W 7/5 - Food -12.3
Exercise: Back row, squat, burpee, bicep, abs, mountain climbers
TH 7/6 - No Spend!
Rest
F 7/7 -  Hair care -8.5, Food 24.18, Food out -56.11, Shirt alterations -17, Electronics -8.87, Parking 10.5 (125.16)
Exercise: Push-ups 100, Bicep curls (10 lbs) 100
Sat 7/8 - No Spend!
Exercise - Outdoor Bike 36.7 miles
Week Total  $472.93
Exercise - 6 days

Sun 7/9 -  No Spend!
Exercise: Bike casual 13.1 miles
M 7/10 - No Spend!
😩 Began cleaning out 1 room.
T 7/11 - No Spend!
W 7/12 - No Spend!
TH 7/13 - Gas -26.78, Food Out -5.56 (32.34)
F 7/14 - No Spend!
Exercise: Run V to water tower, to Kroger
Sat 7/15 - Zoo trip Food Out 50.85
Week Total  $83.19  (No spend 5x last week!)  
Exercise:  2 days

Sun 7/16 -  No Spend!
M 7/17 -  dad iPhone gift -152.45, Mail -10.14, Food out -5.31 (167.90)
T 7/18 -  House Misc -10.26, Food Out 21.78, Drink 10.69 (42.75)
W 7/19 - Food -60.55, House Misc (Water Softener Service) -120.00 (180.55)
TH 7/20 - No Spend!
F 7/21 - No Spend!
Sat 7/22 - Food Out -72.41, House Misc -11.05 (83.46)
Week Total  $474.66
Exercise: 2 days

Sun 7/23 - No Spend! 
M 7/24 - Food 47.12; Home Misc -6.95 (54.07)
T 7/25 - No Spend!
W 7/26 - No Spend!
TH 7/27 - Food Out - 17.17
F 7/28 - No Spend!
Sat 7/29 - Food Out -10.40, Food -19.04 (29.44)  
Week Total  $100.68

Sun 7/30 - No Spend!
Mon 7/31 - No Spend!
Week Total  No Spend!

Month Total $1,131.46

Goal Evaluation:
 - Track Discretionary Spending - SUCCESS
 - Exercise Regularly - Epic FAIL
 - Reach checking account savings goal - SUCCESS

Saturday, November 19, 2016

How to Manage Your Money When You Don't Have Any

Paraphrasing some of the common but still good reminders from this 2nd edition book by Erik Wecks & Neil Hellegers:

- The necessities of finding food, clothing, shelter, and adequate transportation are taken for granted and Americans have sought the pursuit of status, acceptance, and personal success.

- What are your values and are they aligning with your financial choices?  Seek financial independence over material displays of the appearance of high social status by living below your means.  This will help you build wealth by creating, planning and sticking to a budget.

Tuesday, April 5, 2016

Emotional benefits of why you buy things

Great discussion on Motley Fool Answers Podcast: Emotional benefits of why you buy things

- Perception of Self - Cool, trendy, wealthy, popular, or desire to be perceived as wealthy, high status, accepted, accomplished, and desired -OR- savvy, responsible, practical.

- Use - I just want it, its the newest, I won't settle for less, saves time, Item serves purpose for which it meets a need.

- How this makes me feel about myself -  Example: I MUST be wealthy because I bought this expensive house, car, clothes, vacations, etc. (self-validation).  I'm happier, I've earned this, etc.




Make sure what you buy, you can afford and don't give a damn what others think about you.

Source: Motley Fool Answers http://www.fool.com/investing/general/2014/04/15/peculiar-traits-of-rich-people.aspx


Advice to consider in your 20's

- Live cheaply as long as you can. Don't blow it on apts, cars, clothes, and dining out.
- Get Health Insurance.
- Contribute to retirement funds.  Target 10 - 15%  At minimum, up to employer match.
- Invest.
- Be strategic about debt.  Eliminate credit cards.  Be mindful of loans or mortgages that may be tax-deductible. Priority: 1. Retirement Contributions, 2. Other savings, 3. Student Loans, 4. Mortgage.
- Pay attention to your credit score. 

2015 MSN Money: http://www.msn.com/en-us/money/moneyinyour20s/20-things-you-should-know-about-saving-money-in-your-20s/ss-BBi0bUz#image=2


Friday, June 5, 2015