Well, I got the bill for my car tax... and thankfully, It wasn't as bad as I intended it to be.
Last year I set aside $300 after I knew the car tax was trippling... Thankfully my bill was only $170.00.
I'll be paying that this week, and since I got that $316.80 credit from empire, i'll be taking the leftover $130 from last year and adding $40.00 to it from the empire $$$ and I'll have next years bill set aside.
Oh the power of planning (and individual savings acccounts at ING DIRECT that won't let me forget what that $170.00 is saved up for.) =)
Saturday, February 06, 2010
Retirement Perspectives
Year to Date growth:
2009 End: $26,529.33 | 2010 Current: $26,519.75
My Goal is the leave the workforce on my 55th birthday, 11,413 Days from now...
401 Account: Approximately 2.78 % of my portfolio
• $727.74 (Employer Paid 1% of Salary); $738.04 Worth
o Up 1.415% from inception, +$10.30
o Milestone 2040 makes up 100%
457 Account: Approximately 3.90% of my portfolio
• Was employer funded but future contributions discontinued (minimal interest earned)
o Positive $1,032.98
ING DIRECT Roth IRA: Approximately 9.72% of my portfolio
• $2,500.00 Invested; Worth $2,578.65
o Up 3.146% from inception. Positive $78.65
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%
ShareBuilder Roth IRA Approximately 42.73% of my portfolio
• $11,750 Invested; Worth $11,332.45
o DOWN 3.55% since inception… Negative $417.55
o Strategic Allocation Moderate 100.00%
o $250.00 pending deposit into account.
o I have 1,383.576 Shares
o For my account to break even, shares would have to be: $8.32
Excluding my Pension, my variable retirement accounts are worth $15,682.12. Of that I’ve only invested $14,250 of my money (the rest has been my employer). So technically I’ve made 10.05% If I compare all the “free money” and my contributions (Totals 16,010.72), my portfolio is DOWN 2.05% since inception.
Pension: Approximately 40.879% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.
Total: $10,837.63
• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less than a year’s worth of service credit, but I’ll be paying $33.06 for 36 more installments.
My entire portfolio (if I cashed my pension out today) is worth $26,519.75
2009 End: $26,529.33 | 2010 Current: $26,519.75
My Goal is the leave the workforce on my 55th birthday, 11,413 Days from now...
401 Account: Approximately 2.78 % of my portfolio
• $727.74 (Employer Paid 1% of Salary); $738.04 Worth
o Up 1.415% from inception, +$10.30
o Milestone 2040 makes up 100%
457 Account: Approximately 3.90% of my portfolio
• Was employer funded but future contributions discontinued (minimal interest earned)
o Positive $1,032.98
ING DIRECT Roth IRA: Approximately 9.72% of my portfolio
• $2,500.00 Invested; Worth $2,578.65
o Up 3.146% from inception. Positive $78.65
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%
ShareBuilder Roth IRA Approximately 42.73% of my portfolio
• $11,750 Invested; Worth $11,332.45
o DOWN 3.55% since inception… Negative $417.55
o Strategic Allocation Moderate 100.00%
o $250.00 pending deposit into account.
o I have 1,383.576 Shares
o For my account to break even, shares would have to be: $8.32
Excluding my Pension, my variable retirement accounts are worth $15,682.12. Of that I’ve only invested $14,250 of my money (the rest has been my employer). So technically I’ve made 10.05% If I compare all the “free money” and my contributions (Totals 16,010.72), my portfolio is DOWN 2.05% since inception.
Pension: Approximately 40.879% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.
Total: $10,837.63
• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less than a year’s worth of service credit, but I’ll be paying $33.06 for 36 more installments.
My entire portfolio (if I cashed my pension out today) is worth $26,519.75
Friday, February 05, 2010
Its officially crazy
I'm registered for the LA Marathon... and i'll be walking 16 miles this weekend as I continue to train. $134.44 will be moved out of savings from the holiday pay last month to cover the marathon registration costs.
I also got back my statement from Empire... I got a $316.00 credit for the tile fiasco... but things still aren't settled and I'll be calling them later today again...... So I have $316.00 that I'll get to move into savings!!!
I also got back my statement from Empire... I got a $316.00 credit for the tile fiasco... but things still aren't settled and I'll be calling them later today again...... So I have $316.00 that I'll get to move into savings!!!
Wednesday, February 03, 2010
January Spending
Condo Expenses:
• Mortgage Interest: $513.57
• Principle: $137.07
• Additional Principle: $60
• Property Taxes: $125.00 (to escrow account)
• PMI: $52.74
• HOA: $250.00
Giving/Donations:
• LTG $130.00
Automobil Expenses:
• Gasoline: $85.64
Utility Bills
• Electricity: $13.43
• Cell phone: $57.65
• Internet: $65.57 (includes activation fee, plus 1/3 the motum.
Groceries:
• Ralphs: $78.61
• Stater brothers: $9.71
• Henry’s: $28.80
• Trader Joe’s: $73.88
Grooming:
• Haircut & tip: $15.00
Piano Lessons:
• One Lesson $20.00
Marathon Supplies:
• Walmart: $24.08 (fanny pack with 2 water bottles, powdered propel, water, batteries)
• A Snail’s Pace: $21.15 (2 pairs of running cotton free socks)
House Hold Supplies & Toiletries:
• Target: $35.04
Other:
• California Owed Taxes: $55.00
TOTAL SPENT: $1,851.94
• Mortgage Interest: $513.57
• Principle: $137.07
• Additional Principle: $60
• Property Taxes: $125.00 (to escrow account)
• PMI: $52.74
• HOA: $250.00
Giving/Donations:
• LTG $130.00
Automobil Expenses:
• Gasoline: $85.64
Utility Bills
• Electricity: $13.43
• Cell phone: $57.65
• Internet: $65.57 (includes activation fee, plus 1/3 the motum.
Groceries:
• Ralphs: $78.61
• Stater brothers: $9.71
• Henry’s: $28.80
• Trader Joe’s: $73.88
Grooming:
• Haircut & tip: $15.00
Piano Lessons:
• One Lesson $20.00
Marathon Supplies:
• Walmart: $24.08 (fanny pack with 2 water bottles, powdered propel, water, batteries)
• A Snail’s Pace: $21.15 (2 pairs of running cotton free socks)
House Hold Supplies & Toiletries:
• Target: $35.04
Other:
• California Owed Taxes: $55.00
TOTAL SPENT: $1,851.94
Saturday, January 30, 2010
house fund account
After all was said and done, I have $200.00 left in my house DP fund to buy food for my homewarming party.
I may see that promissed additional $300 from empire because i've yet to get my statement showing the credit... if I do get that money back, I'll use it on some small things for my place like bathroom mats, spice rack, and developing photos for my frames that are empty but on the walls already.....then i'll save the rest.
I may see that promissed additional $300 from empire because i've yet to get my statement showing the credit... if I do get that money back, I'll use it on some small things for my place like bathroom mats, spice rack, and developing photos for my frames that are empty but on the walls already.....then i'll save the rest.
Security Deposit... actually had money on it!
... but after I halved it with my old roommate, paid some existing final utility bills... there was just enough left to use to pay for my state taxes from 2009 (I owed $55 bucks...) But it was nice to get it to use to pay last years state taxes!
Monthly Review... How did January Go?
Financial $$$ & Personal Goals End of January Re-cap
Pay off non-mortgage Debt • Pay off Empire -> $4,000.00 FTH Tax Return
• Pay off Home Depot -> $4,000.00 FTH Tax Return
I did my taxes today… It cost me $60 bucks (on next month’s budget)… but I owe the State $55… and I’m getting $8,700.00 back… I just can’t efile my taxes because I have to send additional documents to the IRA to prove I bought my new home. So I’ll be mailing these on Monday after Boyfriends daddy makes sure I attach the correct information.
Lower Mortgage to under $115,000.00
• @ $117,221.70 (2,221.70 to go)
I made my first extra $60.00 principle payment!
Get emergency fund to $8,200.00 (left to add $1,100.00)Emergency fund now sits at $7,100.00 (I added $100.00 to the account.)
Contribute $5,000.00 to Roth IRA ($4,750.00 left to add)
$250.00 was added this month and I’ll buy mutual funds with it once it transfers overt. My First Extra Check that I get (June I believe) will be used to buy ROTH IRA CD’s. My Second extra check will be half CD’s, half Mutual funds.
Car Fund (Save $250.00) (left to add $195.64)This month I added $54.36 since I only filled up the car twice. The savings account now has a balance of: $394.36
Increase Networth to $60,000.00
• @$50,306.00
This Month:
• I put $250 to the Roth IRA... Mostly consumed by the drop in the market…
• My employer 401a contributions: $28.48
• My Pension got a push: $123.08
• Paid down the mortgage this month by $197.07
• Both paychecks had 1 holiday each on them that forced a normal day of work into Overtime since the holidays fell on my days off… I got an additional $132.11 on both checks!!!!! Total Saved: $264.22 (this may get spent on annual bills not budgeted… but for now its saved)
• Additional money left over from my budget this month: $38.92
Personal Goals:
GET IN SHAPE
I succeeded in not eating any red meat this month! I lost 2 lbs this month... and with training for the marathon, I’m sure I put some muscle weight on…yup that’s right I decided to train for the LA MARATHON for Childshare, so hopefully training for that will help turn some of this flab into fab! The Food Journal didn’t happen because I decided to track my spending and to constantly be itemizing my life on paper isn’t healthy or sane… so I choose financial. But I did get a food scale and I use it to measure out just one serving of cereal when I have it. Small steps. =) Next month I’ll keep track of breakfasts… calories, etc…
Give More
• Kiva- I made my first loan for 2010 after all my other loans came back in full. I also deposited my CC rebate check so I’ll be able to put back all the money I withdrew ($100.00), and an additional $25.00 for more lending.
• Child S.H.A.R.E (fundraising, events, and time)—Had a meeting with a CS rep and decided to walk the LA Marathon. I won’t have much time to fund raise this year because of stuff with my condo warping all my time, but I did get a co-worker to agree to sign up for my charity (she runs it for fun every year)… and I worked out a way for the awesome Child Share Rep to come to my church and do a speech for the organization and encourage people to sponsor me and my friends who are walking together… Our walking group is now at 3… including my old roommate…………………….. it will be a long 26.2 miles.
• LTG- =) I smile here. I’m getting into the swing of the all around giving, not just $$$$ but time, talents, and love which makes me happy. In addition to monthly giving, I tutor a member’s daughter in math and we kind of have this big sister little sister thing going which is fabulous. I’m also a member of the worship team and sing every other week , I attend a small group on Tuesdays and I’m trying to get more involved in the women’s ministry there.
Track my spending
I smile looking back on January and this goal. I saved every receipt sans one… I lost a target receipt for house hold supplies… but I decided earlier to not be so crazy about it all and to track it in categories, not by every item spent. I’ll post the January spending in another post. I’m also itemizing my grocery list to find out who has a better deal on what and to help me curb my spending even further now that I’m cooking for two a lot more.
Read One book a MonthI finished January’s book: Love Walked In by Marisa de los Santos
I GIVE IT: 5 Stars/5 Stars
It was fabulous. Normally I can guess a plot and what’s going to happen long before it does, and this book was so fresh and inviting that it was a nice “friend” to curl up with. Even nicer, I spent $1.00 for it at the used book store last year and just now got around to it. If you want to read a blurb about it, here’s the Amazon link:
Pay off non-mortgage Debt • Pay off Empire -> $4,000.00 FTH Tax Return
• Pay off Home Depot -> $4,000.00 FTH Tax Return
I did my taxes today… It cost me $60 bucks (on next month’s budget)… but I owe the State $55… and I’m getting $8,700.00 back… I just can’t efile my taxes because I have to send additional documents to the IRA to prove I bought my new home. So I’ll be mailing these on Monday after Boyfriends daddy makes sure I attach the correct information.
Lower Mortgage to under $115,000.00
• @ $117,221.70 (2,221.70 to go)
I made my first extra $60.00 principle payment!
Get emergency fund to $8,200.00 (left to add $1,100.00)Emergency fund now sits at $7,100.00 (I added $100.00 to the account.)
Contribute $5,000.00 to Roth IRA ($4,750.00 left to add)
$250.00 was added this month and I’ll buy mutual funds with it once it transfers overt. My First Extra Check that I get (June I believe) will be used to buy ROTH IRA CD’s. My Second extra check will be half CD’s, half Mutual funds.
Car Fund (Save $250.00) (left to add $195.64)This month I added $54.36 since I only filled up the car twice. The savings account now has a balance of: $394.36
Increase Networth to $60,000.00
• @$50,306.00
This Month:
• I put $250 to the Roth IRA... Mostly consumed by the drop in the market…
• My employer 401a contributions: $28.48
• My Pension got a push: $123.08
• Paid down the mortgage this month by $197.07
• Both paychecks had 1 holiday each on them that forced a normal day of work into Overtime since the holidays fell on my days off… I got an additional $132.11 on both checks!!!!! Total Saved: $264.22 (this may get spent on annual bills not budgeted… but for now its saved)
• Additional money left over from my budget this month: $38.92
Personal Goals:
GET IN SHAPE
I succeeded in not eating any red meat this month! I lost 2 lbs this month... and with training for the marathon, I’m sure I put some muscle weight on…yup that’s right I decided to train for the LA MARATHON for Childshare, so hopefully training for that will help turn some of this flab into fab! The Food Journal didn’t happen because I decided to track my spending and to constantly be itemizing my life on paper isn’t healthy or sane… so I choose financial. But I did get a food scale and I use it to measure out just one serving of cereal when I have it. Small steps. =) Next month I’ll keep track of breakfasts… calories, etc…
Give More
• Kiva- I made my first loan for 2010 after all my other loans came back in full. I also deposited my CC rebate check so I’ll be able to put back all the money I withdrew ($100.00), and an additional $25.00 for more lending.
• Child S.H.A.R.E (fundraising, events, and time)—Had a meeting with a CS rep and decided to walk the LA Marathon. I won’t have much time to fund raise this year because of stuff with my condo warping all my time, but I did get a co-worker to agree to sign up for my charity (she runs it for fun every year)… and I worked out a way for the awesome Child Share Rep to come to my church and do a speech for the organization and encourage people to sponsor me and my friends who are walking together… Our walking group is now at 3… including my old roommate…………………….. it will be a long 26.2 miles.
• LTG- =) I smile here. I’m getting into the swing of the all around giving, not just $$$$ but time, talents, and love which makes me happy. In addition to monthly giving, I tutor a member’s daughter in math and we kind of have this big sister little sister thing going which is fabulous. I’m also a member of the worship team and sing every other week , I attend a small group on Tuesdays and I’m trying to get more involved in the women’s ministry there.
Track my spending
I smile looking back on January and this goal. I saved every receipt sans one… I lost a target receipt for house hold supplies… but I decided earlier to not be so crazy about it all and to track it in categories, not by every item spent. I’ll post the January spending in another post. I’m also itemizing my grocery list to find out who has a better deal on what and to help me curb my spending even further now that I’m cooking for two a lot more.
Read One book a MonthI finished January’s book: Love Walked In by Marisa de los Santos
I GIVE IT: 5 Stars/5 Stars
It was fabulous. Normally I can guess a plot and what’s going to happen long before it does, and this book was so fresh and inviting that it was a nice “friend” to curl up with. Even nicer, I spent $1.00 for it at the used book store last year and just now got around to it. If you want to read a blurb about it, here’s the Amazon link:
Retirement Perspectives
Sadly, the market took a hit again...
Year to Date growth:
2009 End: $26,529.33 | 2010 Current: $26,635.69
My Goal is the leave the workforce on my 55th birthday, 11,420 Days from now...
401 Account: Approximately 2.81 % of my portfolio
• $727.74 (Employer Paid 1% of Salary); $748.06 Worth
o Up 2.7% from inception, +$20.32
o Milestone 2040 makes up 100%
457 Account: Approximately 3.88% of my portfolio
• Was employer funded but future contributions discontinued (minimal interest earned)
o Positive $1,032.95
ING DIRECT Roth IRA: Approximately 9.66% of my portfolio
• $2,500.00 Invested; Worth $2,573.92
o Up 2.95% from inception. Positive $73.92
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%
ShareBuilder Roth IRA Approximately 42.96% of my portfolio
• $11,750 Invested; Worth $11,443.13
o DOWN 2.61% since inception… Negative $306.87
o Strategic Allocation Moderate 100.00%
o $250.00 pending deposit into account.
o I have 1,383.576 Shares
o For my account to break even, shares would have to be: $8.32
Excluding my Pension, my variable retirement accounts are worth $15,798.06. Of that I’ve only invested $14,250 of my money (the rest has been my employer). So technically I’ve made 10.86% If I compare all the “free money” and my contributions (Totals 16,010.69), my portfolio is DOWN 1.32% since inception.
Pension: Approximately 40.69% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.
Total: $10,837.63
• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less then a year’s worth of service credit, but I’ll be paying $33.06 for 36 more installments.
My entire portfolio (if I cashed my pension out today) is worth $26,635.69
Year to Date growth:
2009 End: $26,529.33 | 2010 Current: $26,635.69
My Goal is the leave the workforce on my 55th birthday, 11,420 Days from now...
401 Account: Approximately 2.81 % of my portfolio
• $727.74 (Employer Paid 1% of Salary); $748.06 Worth
o Up 2.7% from inception, +$20.32
o Milestone 2040 makes up 100%
457 Account: Approximately 3.88% of my portfolio
• Was employer funded but future contributions discontinued (minimal interest earned)
o Positive $1,032.95
ING DIRECT Roth IRA: Approximately 9.66% of my portfolio
• $2,500.00 Invested; Worth $2,573.92
o Up 2.95% from inception. Positive $73.92
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%
ShareBuilder Roth IRA Approximately 42.96% of my portfolio
• $11,750 Invested; Worth $11,443.13
o DOWN 2.61% since inception… Negative $306.87
o Strategic Allocation Moderate 100.00%
o $250.00 pending deposit into account.
o I have 1,383.576 Shares
o For my account to break even, shares would have to be: $8.32
Excluding my Pension, my variable retirement accounts are worth $15,798.06. Of that I’ve only invested $14,250 of my money (the rest has been my employer). So technically I’ve made 10.86% If I compare all the “free money” and my contributions (Totals 16,010.69), my portfolio is DOWN 1.32% since inception.
Pension: Approximately 40.69% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.
Total: $10,837.63
• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less then a year’s worth of service credit, but I’ll be paying $33.06 for 36 more installments.
My entire portfolio (if I cashed my pension out today) is worth $26,635.69
Tuesday, January 26, 2010
KIVA Update!
All of my loans I made to KIVA have been repaid in full!!!!
When I get my CC rebate check, I'll re-deposit the money I withdrew and start the lending process over again, but I do have some funds in the account now, so.... NEW LOAN!!!! I'm now in Mongolia!!!!
Location: Tsetserleg, Arhangai, Mongolia
Repayment Term: 20 months
Activity: Butcher Shop
Repayment Schedule: Monthly
Loan Use: to purchase meat
Altantuya is 31 years old and lives with her husband and two sons in Arhangai province in central Mongolia. She and her family live in a ger, which is a traditional Mongolian nomadic housing tent. Both of her children attend a local secondary school.
With the help of her husband, Altantuya manages a meat-trading business in her town. She sells a variety of locally raised meats to her many customers. She started her business in 2003 with capital of 500,000 MNT and has built a successful operation over the years. She travels between Erdenet and Ulaanbaatar cities to sell her products.
Today, her business continues to grow quickly and she has a large base of loyal customers. Her working capital now exceeds 1,070,000 MNT. Altantuya is a hardworking businesswoman and attributes her success to her good accounting skills. For the future she says, “I hope to soon expand my business.” She is requesting a 1,600,000 MNT loan to purchase meat to sell in her business.
RE-PAID LOANS:
My loans:
Zenaida Daing
Farming, Sta. Josefa, Agusan Del Sur, Philippines
Elizabeth Aidoo
Food Market, Wiawso, Ghana
Mobateli Plus Group
Manufacturing, The Democratic Republic of the Congo
Paz y Amor Group
Fruits & Vegetables, Dominican Republic
Dustmatov Eralboy
Livestock, Tajikistan
Seccelambras Group
Food Production/Sales, Peru
Rashidat Mumuni
Fish Selling, Nigeria
Karla Vanessa Montiel Barahona
Housing, Nicaragua
Eal Nub
Fish Selling, Cambodia
Atim Irene's Group
Medical Clinic, Uganda
When I get my CC rebate check, I'll re-deposit the money I withdrew and start the lending process over again, but I do have some funds in the account now, so.... NEW LOAN!!!! I'm now in Mongolia!!!!
Location: Tsetserleg, Arhangai, Mongolia
Repayment Term: 20 months
Activity: Butcher Shop
Repayment Schedule: Monthly
Loan Use: to purchase meat
Altantuya is 31 years old and lives with her husband and two sons in Arhangai province in central Mongolia. She and her family live in a ger, which is a traditional Mongolian nomadic housing tent. Both of her children attend a local secondary school.
With the help of her husband, Altantuya manages a meat-trading business in her town. She sells a variety of locally raised meats to her many customers. She started her business in 2003 with capital of 500,000 MNT and has built a successful operation over the years. She travels between Erdenet and Ulaanbaatar cities to sell her products.
Today, her business continues to grow quickly and she has a large base of loyal customers. Her working capital now exceeds 1,070,000 MNT. Altantuya is a hardworking businesswoman and attributes her success to her good accounting skills. For the future she says, “I hope to soon expand my business.” She is requesting a 1,600,000 MNT loan to purchase meat to sell in her business.
RE-PAID LOANS:
My loans:
Zenaida Daing
Farming, Sta. Josefa, Agusan Del Sur, Philippines
Elizabeth Aidoo
Food Market, Wiawso, Ghana
Mobateli Plus Group
Manufacturing, The Democratic Republic of the Congo
Paz y Amor Group
Fruits & Vegetables, Dominican Republic
Dustmatov Eralboy
Livestock, Tajikistan
Seccelambras Group
Food Production/Sales, Peru
Rashidat Mumuni
Fish Selling, Nigeria
Karla Vanessa Montiel Barahona
Housing, Nicaragua
Eal Nub
Fish Selling, Cambodia
Atim Irene's Group
Medical Clinic, Uganda
Monday, January 25, 2010
Talked to my Free CPA and tax friend today
Looks like I won't have enough to itemize for 2009... So i'[ll be taking the standard deduction, the $500 deduction for property taxes, and my $8,000 FTHB tax credit.
Once I get my 1099 from ING DIRECT, I'm filing my taxes!!!!! wahoo!
Once I get my 1099 from ING DIRECT, I'm filing my taxes!!!!! wahoo!
Saturday, January 23, 2010
Retirement Perspectives: DOWN 0.21%
The honeymoon is over... Its back to the up and down turns of the market... Sadly, because I couldn't use that last check in December to use to slowly buy shares, I haven't been able to add more money to my retirement accounts, and I won't be able to until I get paid next week. So hopefully I'll get to buy some more shares soon... here are the sad little factoids... sniff sniff
My Goal is the leave the workforce on my 55th birthday, 11,427 Days from now...
401 Account: Approximately 2.82 % of my portfolio
• $713.50 (Employer Paid 1% of Salary); $747.16 Worth
o Up 4.71% from inception, +$33.66
o Milestone 2040 makes up 100%
457 Account: Approximately 3.90% of my portfolio
• Was employer funded but future contributions discontinued (minimal interest earned)
o Positive $1,032.92
ING DIRECT Roth IRA: Approximately 9.72% of my portfolio
• $2,500.00 Invested; Worth $2,573.62
o Up 2.94% from inception. Positive $73.62
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%
ShareBuilder Roth IRA Approximately 42.88% of my portfolio
• $11,500 Invested; Worth $11,359.16
o DOWN 1.22% since inception… Negative $140.84
o Strategic Allocation Moderate 100.00%
o I have 1,383.576 Shares
o For my account to break even, shares would have to be: $8.32
Excluding my Pension, my variable retirement accounts are worth $15,712.86. Of that I’ve only invested $14,000 of my money (the rest has been my employer). So technically I’ve made 12.22% If I compare all the “free money” and my contributions (Totals 15,746.39), my portfolio is DOWN 0.21% since inception.
Pension: Approximately 40.68% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.
Total: $10,776.09
• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less then a year’s worth of service credit, but I’ll be paying $33.06 for 37 more installments.
My entire portfolio (if I cashed my pension out today) is worth $26,488.95
My Goal is the leave the workforce on my 55th birthday, 11,427 Days from now...
401 Account: Approximately 2.82 % of my portfolio
• $713.50 (Employer Paid 1% of Salary); $747.16 Worth
o Up 4.71% from inception, +$33.66
o Milestone 2040 makes up 100%
457 Account: Approximately 3.90% of my portfolio
• Was employer funded but future contributions discontinued (minimal interest earned)
o Positive $1,032.92
ING DIRECT Roth IRA: Approximately 9.72% of my portfolio
• $2,500.00 Invested; Worth $2,573.62
o Up 2.94% from inception. Positive $73.62
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%
ShareBuilder Roth IRA Approximately 42.88% of my portfolio
• $11,500 Invested; Worth $11,359.16
o DOWN 1.22% since inception… Negative $140.84
o Strategic Allocation Moderate 100.00%
o I have 1,383.576 Shares
o For my account to break even, shares would have to be: $8.32
Excluding my Pension, my variable retirement accounts are worth $15,712.86. Of that I’ve only invested $14,000 of my money (the rest has been my employer). So technically I’ve made 12.22% If I compare all the “free money” and my contributions (Totals 15,746.39), my portfolio is DOWN 0.21% since inception.
Pension: Approximately 40.68% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.
Total: $10,776.09
• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less then a year’s worth of service credit, but I’ll be paying $33.06 for 37 more installments.
My entire portfolio (if I cashed my pension out today) is worth $26,488.95
TILE & Baseboards... thats it
Monday, a guy from Empire will be coming back out to look at some tile issues i'm having with their installation crew. (Its wayyyyy better then before, but its still not perfect and for what I paid, I'm not a happy camper at all.) But other then those issues, All I have to do is paint the baseboards in the kitchen area. Which I WILL DO THIS WEEKEND!!!! I better, or i'll be really angry at myself... lol.
THEN I POST PICTURES OF MY DONE AND FINISHED PLACE FOR ALL YOUR ENJOYMENT.
wahoo!
THEN I POST PICTURES OF MY DONE AND FINISHED PLACE FOR ALL YOUR ENJOYMENT.
wahoo!
finding balance...
With less manditory things to accomplish (like scheduling contactors, painting walls... yelling at tile people....)
I find myself with less time then ever. Why you ask? Well apparently I decided to pick up so many hobbies that I've lost a sense of balance in my life. Its those pesky new years good intentions loaded with a busy lifestyle.
For starters, I'm doing a marathon in March for Childshare, that wonderful charity that finds loving homes for Foster and Adoptive kiddos. Yup I'm walking a full 26.2 miles... Which means I need to train, but its been raining all week so i'm uber behind... good thing that its clear skys tomorrow cause i'm walking 11 miles on Sunday... but more on that later...
I've become addicted to farmville... its mindless fun and I can pet the animals on my farm and the competative me really wants to beat my boyfriend at it... I want to keep my condo clean... unlike my apartment was because no matter how much I cleaned it was distroyed the next day by other people... so i'm trying to figure out a good cleaning schedule (all one in one day, or little bits through out the week? ... I want to watch BONES & One Tree hill on DVD... and read some books... and go to bed around eight so I can get up at 4 am to go to work...
Plus I have nightly commitments:
Mondays: Day off so I clean my condo, do some grocery shopping, have my piano lesson, & I cook dinner for my sister and her boyfriend & mine...
Tuesday I work eight hours and then its off to college group night/bible study (most of us are post college anyways), and after that its Tueday night band practice (I sing in the band for church)
Wednesday I work eight hours and then its women's ministry night, & before that I tutor a high school girl in Math at her home (she's also in my band)...
Thursdays I work and then its supposed to be date night with boyfriend.
Fridays I work and right now thats the end of it, so Fridays I'll be able to see people...
Saturdays I work... then every other week I rush from work to band rehersal, and then have "community & church"...
Sundays- The long Marathon training Walk and a free day.
But i'm also supposed to be walking 4-5 miles 3 days a week... somethings have to give and i'm on a mission to find balance, do the things I love and weed out some of the stuff I don't care about as much.
I think I'm going to delete a lot of animals on Farmville to start out with, lol... wayyyy to time consuming. lol
I find myself with less time then ever. Why you ask? Well apparently I decided to pick up so many hobbies that I've lost a sense of balance in my life. Its those pesky new years good intentions loaded with a busy lifestyle.
For starters, I'm doing a marathon in March for Childshare, that wonderful charity that finds loving homes for Foster and Adoptive kiddos. Yup I'm walking a full 26.2 miles... Which means I need to train, but its been raining all week so i'm uber behind... good thing that its clear skys tomorrow cause i'm walking 11 miles on Sunday... but more on that later...
I've become addicted to farmville... its mindless fun and I can pet the animals on my farm and the competative me really wants to beat my boyfriend at it... I want to keep my condo clean... unlike my apartment was because no matter how much I cleaned it was distroyed the next day by other people... so i'm trying to figure out a good cleaning schedule (all one in one day, or little bits through out the week? ... I want to watch BONES & One Tree hill on DVD... and read some books... and go to bed around eight so I can get up at 4 am to go to work...
Plus I have nightly commitments:
Mondays: Day off so I clean my condo, do some grocery shopping, have my piano lesson, & I cook dinner for my sister and her boyfriend & mine...
Tuesday I work eight hours and then its off to college group night/bible study (most of us are post college anyways), and after that its Tueday night band practice (I sing in the band for church)
Wednesday I work eight hours and then its women's ministry night, & before that I tutor a high school girl in Math at her home (she's also in my band)...
Thursdays I work and then its supposed to be date night with boyfriend.
Fridays I work and right now thats the end of it, so Fridays I'll be able to see people...
Saturdays I work... then every other week I rush from work to band rehersal, and then have "community & church"...
Sundays- The long Marathon training Walk and a free day.
But i'm also supposed to be walking 4-5 miles 3 days a week... somethings have to give and i'm on a mission to find balance, do the things I love and weed out some of the stuff I don't care about as much.
I think I'm going to delete a lot of animals on Farmville to start out with, lol... wayyyy to time consuming. lol
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