The Darling [Goals] of May

may“Rough winds do shake the darling buds of May, And summer’s lease hath all too short a date.” William Shakespeare

You may not be surprised to learn that the end of April and beginning of May have not been a calm time in the academic arena! Here, seniors get out early, so I had finals with them…then they did the lovely thing of blatantly cheating, so that was fun to deal with. BUT ENOUGH OF THAT! It’s over, done with, dealt with, and was a learning experience! Plus I still have some juniors to deal with for the next two weeks! I’m having the issue of balancing my work-life such that I’m actually able to keep my mind focused on the things I would like to achieve. That is an unofficial goal of May.

May Goals

  • Log into MFP every day and log all exercise/food intake
  • Read 2 books
  • Create a plan to buy a vehicle in 2016
  • Create debt repayment plan (for real this time)
  • Get down to the next weight “decade” (17_)
  • From May 14 check through May 31 check, use the jar method
  • Sort and organize my yarn stash/craft stuff

What are your May goals?

April 2015 Goals Recap

I didn’t think I was that ambitious, but the amount of red below tells me I’m wrong.

  • Log into MFP every day and log all exercise/food intake today
  • Use the gym at least 3x a week
  • Complete Jillian Michael’s 30 Day Shred
  • Blog at least 12x this month (up three from March)
  • Read 2 books
  • Find a summer job (or two)
  • Create budget (prepare to possibly need to buy a new car by 2016)
  • Create Emergency Fund (goal – $200)
  • Pay down student loan balance
  • Create debt repayment plan (for real this time)
  • Side Hustle – set up Etsy store

Successes

I did pay $200 on my student loans in April, so there’s that! I also set-up my Etsy store, but I’m having more luck in getting things done person-to-person (e.g. I sold a blanket to a student). I also started a ketogenic diet…but that ties more in with things to come in May.

Failures

I didn’t buy another month at the gym, so I didn’t go 3x a week, I didn’t do Jillian’s 30 Day Shred. I blogged 7 times in April…so I think around twice a week is a good goal for me to set for right now, at least until the school year ends. I didn’t read the two books I picked. I also decided to not pursue an actual summer job. I’ll be doing odd jobs – tutoring, babysitting, selling things I’ve made – but I have a two week training in June, a week trip because I’m a bridesmaid in July, and a two day training in July…so 3/8 of the weeks of summer I have off I’m not available to work – making it difficult to hold a job that is summer only.

Progress

I started a ketogenic diet. I gained a lot of weight when I went home over break (mostly water I guess?) but I’ve managed to lose that so yay 🙂

Overall

April could have been better…but I really need to just manage my time better. I get caught up with work (finals weeks, putting in senior grades, etc.) and don’t work on my personal goals. Keeping my eyes on the prize is really where I need to focus.

April Showers Bring…New Goals!!!

April Showers bring May Flowers…and what do Mayflowers bring? PILGRIMS!!! (hehehe)

But in all seriousness, not April foolin’, I want April to be an A+ month. March was a little bit of a disappointment…I didn’t utterly fail at my goals, but I let myself get distracted with a lot of stuff due to work and side hustle. Side hustle was good for money I guess, but it was horrific on my time. A lot of the side hustle got spent on fast food because I didn’t feel like cooking.

april

I can’t believe it’s already April! 2015 has flown by. It helps that my job varies enough and makes the time fly. Plus teacher holidays are pretty awesome. Almost makes up for dealing with 16-18 year old’s hormones and advanced math for 8 hours a day 😉 I like that back in 2013, I was trying to figure out my life plan…and I’m still doing that two years later. UGH. Maybe it’ll never be actually planned…lol

April Goals

  • Log into MFP every day and log all exercise/food intake today
  • Use the gym at least 3x a week
  • Complete Jillian Michael’s 30 Day Shred
  • Blog at least 12x this month (up three from March)
  • Read 2 books
  • Find a summer job (or two)
  • Create budget (prepare to possibly need to buy a new car by 2016)
  • Create Emergency Fund (goal – $200)
  • Pay down student loan balance
  • Create debt repayment plan (for real this time)
  • Side Hustle – set up Etsy store

What are you hoping to accomplish in April?

March Goals Recap

There was a lot Ide like to have accomplished this month, but I didn’t make as much progress as I would have liked. C’est la vie. April is a new month 🙂

Ide wanted to…

  • Lose enough weight to have it start with 17_
  • Not eat out at all or use a vending machine (including going to the gas station for snacks)
  • File my federal and state taxes
  • Submit my application to graduate school
  • Log into MFP every day
  • Find a job for summer 2015
  • Catch up my utilities
  • Place 100$ in my savings account
  • Create a monthly budget for my current income such that all excess from a secondary source can go to debt repayment

Successes

I did file my state and federal taxes. I would have gotten a lot more back…but my new job (which I started in August) pays 3x what my old job did, knocking me into a different tax bracket. At least, due to a deduction because I was in school as an old student, I didn’t end up owing money, so yay to that! I missed one day of MFP, yesterday, because of a wonky sleep schedule. I had a 25 day streak, so I’m pretty displeased about that, but I still consider it a success, because missing one day out of an entire month isn’t too shabby. I caught up both my electric bill and my Cox bill (which were the two utilities I was behind on), and I repaid a personal loan (small – $80) to one of my best friends, so I was very pleased about that.

Failures

I drank so many diet cokes. So many. So. Many. And I ate out. Because I’m terrible. I joined a gym and am waiting for my pass, so this will carry over as an April goal. Hopefully if I pair healthy eating with working out, I will be less inclined to head to McDonalds for an easy meal. I had put $100 in my account…but then I overspent elsewhere and withdrew it 😦

Progress

I have been yo-yo’ing the weight thing. I was doing really well the first week, then fell off the horse, then got back on, then fell off again. I joined a gym and have started prelogging on MFP, so I think making more definitive changes will make a definitive difference. I haven’t submitted my application to graduate school; however, I should be by the end of the week, so I’m not setting that as a goal for April. It’ll be done within days of March ending. I haven’t found a definitive job for the summer; however, I’ve applied for three! I applied to teach summer school, applied to work at a local summer camp, and applied to work at a summer camp in NY with international kids (wish me luck!!!). I have been working on a budget for my income, but I’m not much past “use excess to pay debts.”

Overall

Overall I would give myself a C for March. I didn’t accomplish as much as I wanted, but I did accomplish some goals and I did make progress on others. I’m hoping April will be an A+ !!!

2015 Net Worth Update

Now that I’m back to actively trying to get my finances on track, I figured it’s about time to check out my Net Worth…for the first time in four years. 😦 I’m fairly confident it has gone down by a significant amount…however, my income has gone up significantly, so I’m hoping to change this quickly!

Assets: $1913.66

Liabilities: $27833.84

Net worth: -$25920.18

The very simple way to find this, for those of you who have not tried to find your Net Worth before, is to add your assets (car, house, expensive item, etc.) and then your liabilities (loans, personal loans, bills, balances, etc.). Subtract the latter from the former. When I did so, I ended up with a net worth of – $25920.18. Which is pretty terrible compared to the average for my age group, which is $8525 (according to sources).

I have a few major purchases that will probably need to happen within the next year or two, and I need an emergency fund built up, so there’s a lot of major repairs that need to happen with my finances. It’s hard to try to deal with all the cards on the table, but it’s my just dessert for not being a tight wad and instead being a loose spender for a few years.

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Budget 3.0

This is me…after around two years of not truly budgeting my income. I used to be really on top of it…but then I stopped blogging, stopped focusing on goals, started acting like those around me (who had more expendable income), and to put it simply, was living beyond my means.

And looking at the last few months…I still am. So here I am making a new budget. My income has nearly tripled since I got a new job (yay graduating!)…but so did my spending. If I want to be able to crawl out of this hole I’m stuck in…first step is to stop digging. This is Budget 3.0. It’s not perfect, but I’m really struggling after falling off the wagon. Some refining will go down naturally…but, here we are!

budget

 

Ides of March

Ides of March…there are a lot of things Ide like to accomplish this month!
(hehehehe – Cae[ser] what I did there?)

So Ide like to…

  • Lose enough weight to have it start with 17_
  • Not eat out at all or use a vending machine (including going to the gas station for snacks)
  • File my federal and state taxes
  • Submit my application to graduate school
  • Log into MFP every day
  • Find a job for summer 2015
  • Catch up my utilities
  • Place 100$ in my savings account
  • Create a monthly budget for my current income such that all excess from a secondary source can go to debt repayment

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