2019 Goals
1. Lose 5-10 lbs. (Q1. 128 lbs)
2. Live with less
3. Complete 1 home project
4. Bike a century ride

Friday, December 28, 2018

January 2019 Budget

Variable expenses targets:

Home MISC        100.00
Grocery             700.00
Food Out           800.00
Car Loan            800.00
Car MISC            487.25
Healthcare        225.00
Personal Care    350.00
School/Daycare 400.00
Entertainment   200.00
Gifts                 100.00
Travel                   0.00
Total            $4,362.17

T     1/1 - Food out 5.90
W    1/2 - Grocery 42.52, Food out 3.92, Clothes 49.11
TH  1/3 - Grocery 32.14, Audiobooks 15.96
F     1/4 - Food out 7.50, Clothing 13.60, Gas 29.35
Sat  1/5 - Food out 29.45, Prime Video (HBO) 16
Total  $ 223.45

Sun 1/6 -  Food out 7.46
M    1/7 - Grocery 16.36, Food out 13.86
T     1/8 - Food out 17.72
W    1/9 - Grocery 112.48, Gas 18.23
TH  1/10 - Food Out 6.92, Grocery 56.85
F     1/11 - Food Out 5.08,
Sat    1/12 - Food Out 40.23, Parking 2.25
Total  $ 302.34

S     1/13 - Food Out 11.13, Gas 28.75
M    1/14 - No Spend!
T     1/15 - Grocery 21.50, Food Out 6
W    1/16 - Food Out 22.86
TH   1/17 - Food Out 52.96
F      1/18 - Food out 31.75
Sat   1/19 - Food Out 22.97
Total  $ 197.92

S     1/20 - xx
M    1/21 - xx
T     1/22 - xx
W    1/23 - xx
TH   1/24 - xx
F      1/25 - xx
Sat   1/26 - xx
Total  $ xx

S     1/27 - xx
M    1/28 - xx
T     1/29 - xx
W    1/30 - xx
TH   1/31 - xx
Total  $ xx


Termint

Tuesday, December 4, 2018

2018 Goals Evaluation

 1. Student Loans $15k  - Check - Eliminated all debt
 2. Travel 4x - Check
 3. Complete 1 home project - Check
 4. Lose 5-10 lbs - Failed

Happy with the goals set and pleased with my accomplishments.  Must be more disciplined and focused to achieve my health goals.

Saturday, June 30, 2018

Goal Reminder

Keep doing things that call attention to your goals - constantly remember them

Saturday, June 23, 2018

July Challenge - eat like a college student

It's time to reduce spending!

Target category: Dining out expenses 
Goal: $700 (We spent $900+ last month)
   - Prepare lunch
   - Make dinners 3x week and use leftovers for lunch
   - When dining out: No fancy restaurants, no alcohol, total family bill under $50 (with tip)

Dining out tracker:
Sun 7/1 - CHECK - hamburgers, corn, quinoa   
M    7/2 - CHECK - pork brisket sandwhich, rice, orange
T     7/3 - Ok - dine-in and Cary-out, combined total under 25
W    7/4 - CHECK - eggs and pork leftovers, fish and hamburgers
TH  7/5 - Ok - carry-out 10
F     7/6 - X - bill at 30
Sat  7/7 - X - lunch 33.40, dinner - home - hamburgers
Total  $ 98.40

Sun 7/8  -  CHECK - leftovers hamburgers, corn, beans  
M    7/9  - CHECK - Spaghetti
T     7/10 - X - carry-out 33.2, my dinner from Kroger 15
W    7/11 - CHECK - leftover sushi and noodles
TH  7/12 - Ok - carry-out under 20
F     7/13 - Ok - Taco Bell 6
Sat  7/14 - CHECK - Leftover Taco Bell, pizza, juiced drink
Total  $ 74.20

Sun 7/15 - X - Olive Garden 34.16
M    7/16 - Ok - carry-out under 20
T     7/17 - Ok - carry-out 20
W    7/18 - Check - leftover Taco Bell and frozen turkey burger
TH  7/19 - X - work lunch 7.40, carry-out 40.40 = 47.80
F     7/20 -X - Lunch 7, Dinner 32.25 = 39.25
Sat  7/21 - Check - Ravioli and salad kit 
Total $ 161.40

Sun 7/22 - Check - dinner grilled and coconut shrimp and couscous
M    7/23 - Ok - lunch 3.5, dinner at home - turkey burger, steak
T     7/24 - Ok - lunch 4.75, dinner 24.9
W    7/25 - X - Lunch 3.45, dinner 46.72
TH  7/26 - Ok - lunch and snacks 12.80, dinner 5.56
F     7/27 - Ok - carry out 28.08
Sat  7/28 - Check - dinner grilled hamburgers, brats, corn
Total $ 129.76  (463.76)

Sun  7/29 - CHECK - leftovers for lunch, pizza at Judy and Jimmy’s
M     7/30 - CHECK - veggies lunch, leftover pizza, salad, brats, and hamburgers (129.8)
T      7/31 - Ok - lunch 5.80
Total $     Met Goal!  

Grade (1-5): 5

Lessons Learned:
  - Small efforts daily really added up to make a big difference overall.
  - Flexibility kept us from getting discouraged (Ex. dined out more than anticipated but wasn't discouraged and wasted costs at restaurants, such as alcohol, and $10)

Saturday, November 19, 2016

Key to Success: Plan, Save, and Live below your means

What are your values and do they align with your financial choices?

My perfect day is to be able to relax and be in nature at any time and enjoy it as long as I can.

Tuesday, April 5, 2016

Key to Success: Afford the things you want and don't care what others think of you

Emotional benefits of why you buy things
- Perceived by Others - I believe others think I am wealthy, accepted, accomplished, and desired,
- Function/Use - Need to get from point A to B, part/ tool to fix something,
- How I feel - I will feel happier, I will fit in, I deserve it, everyone else has it



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