Showing posts with label finances. Show all posts
Showing posts with label finances. Show all posts

Monday, February 12, 2024

Buc-ee's Here We Come

 

Last summer, I'd planned / hoped to have DD and my March Buc-ee's Road Trip fully funded by December 31st 2023. Well, that didn't happen, buuut...it will be fully funded* by the time we hit the road. And I'm not counting any of the money from Mom's house. I've also got a line item in the personal budget to fund next year's trip starting in March.

* I won't have 100% of the money in hand, but once I finish a proofing job, I will. It's just that I probably won't finish the job and get paid until after our trip.

And not only is there a line item for our Buc-ee's Road Trips, there's also one for my annual road trip to visit my family. I'm excited to stop going into debt while taking these trips.

* * * * *

I watched this a couple of weeks ago and I highly recommend it. It's a bit sad and a bit bittersweet and hit a little too close to home, but it's really, really cute just the same.

The tag line is "It's never too late to chase a dream." It spoke to me...does it speak to you?

Anyway, the main character, Martha, became a cheerleader as a senior in high school but had to immediately drop out to care her mom who'd gotten sick. Fifty years later, she herself gets a cancer diagnosis. She decides to forgo chemo and move to a retirement community as she never married and doesn't have children.

One of the rules of the community is that you have to join a club, but there are no clubs of interest so she's encouraged to start her own. She ends up starting a cheerleading club with seven other senior women. They encounter a variety of obstacles but eventually overcome, and the journey is a lot of fun and amazing.

If you check it out, let me know what you think.

* * * * *

Remember all the to-doing I was doing and going to do? Well, less of that is happening now. We implemented some changes at the office, so I'm working till five these days. It took a few days to adjust, but now I'm handling the extended hours pretty well, but yoga and cooking and cleaning lost their time slots, so now I've got re-think things. I'm not keen on shifting all the cleaning to the weekends, but I may not have a choice.

I did start to do yoga on the non-Hinge Health days (for the hips/bursitis) and that seems to be working well. It's not the every-day yoga practice I was going for, but it's a good compromise. And to be honest, I was having issues remembering to yoga on the weekend afternoons when we're all home and hanging out. And even if I remembered, it would have been weird to put whatever we were in the middle of on hold so I could do yoga for twenty minutes. :0)

* * * * *

And last but not least--I got my car back! It was in the shop for 2.5 weeks getting fixed. Did I mention I got rear-ended right before Christmas? Well, I did, and now it's fixed and it's soooo nice to be back in my own vehicle.

Hope you're well. Back in a couple of weeks. Take care.

 

Monday, November 20, 2023

Happy Thanksgiving

 

Image courtesy IMGBIN.

HAPPY THANKSGIVING!

Hope your holiday plans are all that you want them to be. It'll just be three of us as Casa FitzGerald. The menu's been decided and we're all looking forward to an extended period of time off. As a teacher, DD gets to enjoy a full nine days of R&R. I'm grateful for my four...

As we celebrate Thanksgiving later this week, let me share a few things I'm thankful for...

  1. My family and friends, of course, including you faithful readers.
  2. YouTube and the Internet in general where there is soooo much information that you can learn anything you want.
  3. The people who share their hard-won knowledge by writing books.
  4. Living in the land of the free and the home of the brave...
  5. Dallas Stars hockey. :0)

* * * * *

As the final weeks of 2023 chug along, it's time to look ahead to 2024 and ponder my fresh start goals...

I'm pretty sure my primary areas of focus are finances, health and wellness, writing, housekeeping, and then there'll be a few things I'll file under miscellaneous. Not sure how I'm going lay things out--all in a jumble as in years past or as a mini list for each sector.

I'm combining this with my vision board items because many of them overlap. I'm also going to break down anything I can into quarterly goals so I can see them in bite-sized chunks.

Last year I had sixteen (!) items on my list. Granted--certain things I would do anyway like read, but the financial stuff is all new. Some things I'm just trying to improve on or, honestly, keep myself accountable for--like sending letters to my grandma!!

* * * * *

Remember when I said the next book I was going to read was "The Total Money Makeover" by Dave Ramsey? Well, I lied. I'm now reading another book about options trading. It had me from "hello."

The very first chapter talked about positive financial mindsets and vision boards, just to name two. And those are two things I'm totally on board with and have learned about in previous books and from YouTube videos. They're things I've already worked to incorporate in my life, so for this latest book to include those things right at a moment when I'm looking down the barrel at a new year and had needed to align my various "course of action" tracks into a single streamlined version--I mentioned this two posts ago--seemed providential. :0)

Full disclosure--I didn't get a new vision board created for Q4 as I'd planned. I've been in learning mode and I've got a lot to ponder and decide, so I'm just gonna look ahead to 2024 and let the remainder of 2023 cruise on by vision-board-less.

* * * * *

You know what I've been doing lately...?

Cross stitching. Yup, I'm back to a tactile expression of creativity. I'm creating patterns for my store and sometimes I like to actually stitch them myself.

* * * * *

Last but not least, let's talk hockey.

My boys in Victory Green are having themselves a great start to the season despite some deficiencies. And right now, MoneyPuck has them with a 10.9% chance of winning the Stanley Cup through November 15th. Highest for all teams at this point. :0)

Image courtesy of MoneyPuck--
if you click through, scroll down to see the larger interactive version.

BE LOUD. WEAR GREEN. GO STARS!!

* * * * *

Have a super week and enjoy your holiday and long weekend.

 

Monday, August 5, 2013

Yeah, it's Monday...


It's even Movie Monday, but I couldn't bring myself to watch a movie. Just had no desire to do so, so MM is taking a hiatus for however long I feel like it.

But Fort Worth Friday will return. Sonshine and I had our date yesterday morning and he wielded the camera, so who knows how the pics turned out. Kidding! I'm sure they're fine. I'll be sorting them this week and prepping for future posts.

I still have one last day of pics from Nashville, but I'm sorta tired of the topic, so I'll just post the link to the albums once they're up.

I spent a lot of time on research last week. Not for writing purposes, as I've shifted focus, but for life/financial and business purposes. First I decided I needed an accounting software package for my proofreading business so I Googled those. What I found, eventually, was budget software. Which, yes, I need for business, but actually caught my eye for our personal finances. Its philosophy is simple: Every dollar needs a job. It's easy to use once you get how it all works. It's a very short, barely there learning curve. It also offers a 34-day free trial.

So I downloaded the You Need a Budget software. Herein known as YNAB. All the features are available in the trial. It's not an online thing like Mint.com, though the files are saved into Dropbox and sync with any PCs and devices like smartphones you're gonna use. Very handy!

I added all my data. Figured out how to tweak it to account for all my buckets. That's a term hubby and I use to refer to a specific holding account for something. Like the grocery bucket. All funds designated for food, would be in the grocery bucket. It opened my eyes to how poorly I've managed our money this year. I was--I AM--very disappointed in myself.

I had big plans--as short a time ago as Thursday--for my proofreading earnings. But now I see that aside from the $100 per month I'm putting in a certain credit card bucket (on top of the regular payment plus the payment rolled over from the other CC I just paid off), everything else just needs to go into the main coffer to replenish the money that's been spent here and there on random incidentals over and above the budgeted allowable amount.Yikes!

So back to the drawing board. But now I have my own income that I earn outside of our other business. I feel so much more free and happy and in control of things than I did just a few short months ago. Amazing what a vacation and an attitude adjustment will do for you.

Hope you had a great weekend!!!