Thursday, November 27, 2014
The house that I bought fell thru about a week after my last post. When we made the contract the seller agreed to pay only $250 of any repairs that would need to be done. We had the inspection and it came back that there was basically $2000 worth of repairs that needed to be done, and that was without the things that would need to be looked at by an electrician or a plumber or whatever. So I didn't go thru with the house. I was crushed but it's all for the best. So I'm still living with my parents and I've decided that it is not terrible and I'm working hard to save up some money and whatnot.
I've talked about my depression before and I have mentioned that I see a therapist about once a month. I've been feeling worse and worse over the past few weeks and my therapist has been trying me on different anti-depressants. Well my therapist suggested that I might have adrenal fatigue. Basically it has a lot of the same symptoms as thyroid problems but I've had my thyroid checked about 3 times in two years and it always comes back normal. What are the symptoms I'm having you might ask? (Okay you're probably not asking but I'm going to tell you anyway) Basically I'm always exhausted, this is not just a tired feeling it is honestly exhaustion. I wake up in the morning and am tired all day, I sometimes take a nap on my lunch break. I go to sleep between 8 and 9 pm and sleep until around 7. I have severe anxiety. There are sometimes reasons for my anxiety but sometimes I could be having a relatively good day and then bam, all of the sudden I am so anxious that I can't even think straight. I crave large amounts of carbs (which doesn't sound like a symptom but it actually is), I always want some kind of bread or potatoes or really anything like that and if I get my hands on it then I could honestly eat til I'm sick. My therapist suggested that I go to a specific doctor that is the only doctor in our area who will test for adrenal fatigue. The only problem? She doesn't accept insurance. I was sketch about this at first so my dad had some of his doctor friends check in to it. Basically she doesn't accept insurance because most insurance companies won't pay for the tests that she does. My dad gave me the go ahead and I went to see her. I had to do a blood test (like 4 tubes!!!) and I had to do a 24 hour urine and saliva collection. I sent that all in and got the results back this week. I don't have full on adrenal fatigue but I am on the road to it. I couldn't explain to you what she said but she gave me a few different (all natural) meds that I have to take during the day. We are hoping that this will even out my DHEA and dopamine and seratonin and other levels so that I can start to feel better. (Keep in mind that I asked my dad and his doctor friends before I started taking these meds and they all agreed that this doctor is not a quack and that these meds should help me feel better)
I'm obviously still trying to stay on track with my budgeting and debt repayment but for now my main focus is trying to feel better.
I hope I didn't lose any readers since I kinda disappeared, I've missed yall.
Wednesday, September 24, 2014
It kinda just happened. I had a friend whose aunt was selling this house and I went and looked at it and fell in love. It's a 3 bedroom 1 bathroom house in a good neighborhood. It has a detached garage and 2 sheds in the backyard. I got it for $82,900. I won't close until 10/29 but I don't care. I'm excited.
Now I'm going to have to readjust my budget but that's fine with me.
Wish me luck!
Monday, September 22, 2014
|Stole this cute little pic from Kayla @ ShoeaholicNoMore|
Friday, September 19, 2014
Well as pretty much everyone and their dogs know its #FinCon14. And it's in NOLA (which is one of my dream vacation spots) and I'm not gonna lie, I'm jealous.
But some of us have to stick around and keep the blogosphere running! And we have to make that paper, lol.
So for those of us who are stayin we are having a blog hop.... would you expect anything else??
Here's the deets....
FRUGAL FinCon FIESTA
Join the FRUGAL FinCon Fiesta which will run Sep 18 – 20 to coincide with FINCON and allow people time to visit other blogs.
It’s a blog hop party and the purpose is to entertain questions from your readers.
This can be a great way to spawn future blog posts, if the answer is quite complex.
You can post some teaser questions and answers about random facts about yourself.
Non-blogger readers are encouraged to say ‘hi‘. (Oh please show us some love! <3)
Let’s do some banter in the comments as well, not the usual commenter comments and blogger responds. Let’s mix it up and comment to other’s comments for some $hits and giggles.
It will be super hot if you put a fiesta like picture in the header of your post.
We reserve the right to take down any spammy links or otherwise party-poopers who are not participating in the party with the spirit in which it was intended.
TWEET #FrugalFinConFiesta and HAVE FUN!
Let's do this guys.... ask me some questions.... the juicier the better!
Jean asked what my favorite vacation spot that I've been to- NYC. My mom took me there after I graduated high school and it was the best trip ever.
Brian asked me if my coworkers know about my blog, May asked the same and if they know then what do they say? - My current coworkers do not know. I feel that with some of my content its better to not broadcast it. I had one coworker at my old bank who knew and she thought it was great.
Femme frugality asked what my biggest PF win has been- this is a tough question. I think in my whole life my biggest win has been me paying so much on my car. I bought it for 18k in 2010 and I'm down to 5600 now. That probably just means I'm right on track but it feels good to see such a drop in the number.
Brooke asked what is one big sacrifice/tactic I've used to pay off my debt more aggressively- The envelope system has definitely been my best tactic. I don't follow it like Dave Ramsey says but it works. My biggest sacrifice is just cutting back which seems silly but its true.
Tre asked what have I learned from starting my blog- That I'm not alone and that really helps. Its nice to be "surrounded" by people who know what I feel everyday and stuff.
Debs asked how did I decide on a career in banking and what would my second choice be- I kinda just happened upon the job and ended up loving it. My second choice would be an event planner but in my city there isn't a huge market for that.
Natalya asked how I lift myself up when its a bit too much on the repayment front- I dont know. I honestly still haven't figured out that aspect and thats probably why I disappear so frequently because I feel overwhelmed a lot.
Downstairs in Debt asked me what do I enjoy doing when I'm not blogging- I love hangin out with my friends. Watching movies. Doing crafts. Being silly. :)
Thursday, September 18, 2014
I think that maybe my goals were a little too large this month. I feel as though I'm suffering from goal overload. Maybe also just not feeling very motivated to do anything, finance related or otherwise.
I did make $8.91 by selling a wallet online. As soon as that hits my account I'm moving it directly to savings. Not that $8.91 is much but hey, better than nothin! One day a couple of weeks ago I was really sick and left work after being here for an hour so my check was smaller than normal. That sucked. But what sucked even more is that I had quite a bit of stuff that I needed to pay with that check. Like get my car tag renewed and my phone bill and I owe my mom a little money, and of course my car payment. So I'm basically down to 100 bucks to last me until the 29th.
Life is full of ups and downs and maybe right now I'm in the downs but it won't last forever.
Thursday, September 11, 2014
I'm in training for my promotion doing the hands on stuff: opening accounts, taking loan apps, doing wire transfers and stuff. It's a really slow branch and basically I spend a lot of time reading articles on BankRate and Investopedia.
How do y'all deal with writer's block?
Sunday, September 7, 2014
On Thursday my grandpa suffered a stroke and was airlifted from a hospital in his town to a hospital here in the city. He has been in the hospital since then and I've been up to visit him everyday, he seems to be better but when he gets tired he started having trouble with words and he gets confused. Then on Saturday I got a text from my mom saying that one of her dogs died. Now this would be pretty sad to anyone but this dog was my mom's pride and joy. She had designer hoodies, designer dog carrying bags, hell this dog basically had her own room. Needless to say my mom is devastated. My dad is also upset. I'm upset but it hurts more to see my mom so sad. So that's why I haven't been around, but I'm back and here is an update on my goals:
Update/September Week One:
- Blog 5 days per week: Fail. I blogged 3 days. I did have family stuff going on so I'm not going to take this fail too hard, there is always next time.
- Track my spending: Pass! I'm sad to say that most of my money was spent of junk food but I tracked my spending and I still have cash left over.
- $1000 E-Fund: N/A. I have $600 in my savings account right now. I haven't gotten paid yet this month which is why it hasn't moved.
- Spend 2 hours on my side hustle: Pass-ish? I spent about an hour working on putting some stuff online to sell.
- *Bonus* 30 minutes of activity 3 days a week: Technically this is a fail. I did a lot of walking around at the hospital but it didn't count as physical activity.
Wednesday, September 3, 2014
Being that I've been in banking for 3 years I know what all of my accounts offer me. I know the minimum balance requirements and I know about the fees that I would have to pay if I was to overdraw my account. I urge everyone to get online (or be really crazy and go INSIDE a branch) and look up your account type or request a pamphlet and learn about it.
Did you know that some banks offer a discount on their loan rates just for holding an account there? I will say that usually that means you have to auto debit your loan payment from your account but c'mon y'all.... almost every PF blogger will tell you to automate your finances. My employee checking account offers me a 0.25% discount on my loan if I auto debit. I'm not gonna try to be a math whiz kid and tell you how much that would be on an $18,000 auto loan but it would be worth looking in to!
Do you know if your checking account earns interest? I used to think this was basically non-existent (and let's be real, interest rates are terribly low, so it won't be much) but some checking accounts do offer interest depending on your average collected balance. Only one of my checking accounts is interest bearing and it is on a tiered basis, so from 2500-5000 average collected balance I would get a certain percentage and so on and so forth. Now that looks like a lot to have in a checking account but some people do!
Everyone knows that each bank is going to have fees for various things from overdraft protection to mobile banking, but did you know some banks charge to receive paper statements? I mean when you think about the money the bank would save by just sending an email with your statement instead of printing the statement and paying for postage and mailing it out, it really does make sense. One thing that I like about e-statements is that the bank basically saves these on their network for usually about 7 years so you can go back that far and print statements when you need them instead of keeping your file cabinet full of statements you probably don't need that much.
I'm not going to pretend that I know the perks of every checking account everywhere but I am a firm believer in knowing what your bank/account offers. One of my accounts offers me discounts on meds and eye glasses. I can even send in $100 worth of receipts each quarter and they will send me a check for $10. So basically I send in $100 worth of receipts for groceries and gas and I get $10 back. That's awesome.
You may research your account and see that you are getting fees because you don't carry the required minimum balance or because your direct deposit doesn't meet the requirements the bank sets forth. Who really wants to be paying fees? Not me.
Research your stuff, you won't be sorry!
*****I can't get the link to work but this post is part of Financially Savvy Saturdays
Tuesday, September 2, 2014
Please be prepared- This is mostly for people who come to the drive thru. It irks me so bad when someone comes to one of my lanes and they 1. have no idea what they want to do 2. ask a million questions like I don't have 58 other things happening in the bank 3. sit around taking their time like there is not a line forming behind them! I am more than willing to send you a deposit slip or a pen if you need one but if you are going to need to spend more than 5 minutes asking me questions, please take a few extra moments and come in to the bank!
Please be patient- This kinda goes hand in hand with the last one... If you come to the drive thru (or the lobby) please be patient. If there are 3 other cars waiting you are not going to get helped any sooner if you drive to the other lane that just opened. We go in order of who came first and that's not going to change! Also when you come up to me after you have had to wait for someone else, that is NOT my fault. Do NOT get an attitude with me. I will travel thru that little tiny tube and I will poke you in the eye with an ink pen. Bet.
STAY OUT OF MY BUBBLE- I don't know how your bank lobby is set up but let me tell you a little bit about mine.... so you walk in and there are 3 open offices to your left. To your right is a little writing station with all the deposit slips and withdrawal slips in their respective cubby areas. Past the writing area are 2 offices (one is mine!) and then the "teller pod." The pod is a round island station with 2 computers and a cash dispenser between the computers. It is very open so that the customers could come around and stand right next to me. Or like one 3 year old girl who comes in with her grandma who likes to run around behind me and wait for the money to dispense so she can give it to her grandma. Anyway, getting off track, an older gentleman walked in one day last week and walked over to me and stood so close I could feel the hair on his arms tickling my arms. He was basically yelling in my ear and his breath smelled terrible. That being said, STAY OUT OF MY BUBBLE!! Respect other people's personal space, yall.
Okay, now I'm going to vent to you all about a co-worker of mine. I find myself thinking "she's only 20," at least 10 times a day because she gets on my nerves that often. So a few days ago she comes in to work and she tells me that her and her boyfriend talked about getting married.... (vomit).... well the hang up in the plan is that he is currently married and his first wife just "won't sign the divorce papers." Whatever you say, dear. The first wife apparently wanted a divorce so I'm not sure why she all of the sudden won't sign the papers. They live separately and don't have children so it's just real weird. Anyway my co-worker spent 30 minutes searching online what has to happen before she can marry this dude... well first, dude needs a divorce and second she apparently has to wait for 6 months before they can marry. Laws are different everywhere so now she thinks that since he was married in Tennessee things may be different. I had to listen to her talk about this until she got off work and I actually kept repeating "you're 20," to her and she got pretty irritated but I mean really, she sounded like an idiot. Of course if I was in a similar situation then I would probably be doing the same thing but I'm not and she is annoying.
Whew, thanks for listening.
Monday, September 1, 2014
On Saturday morning I filled up my envelopes with cash and started tracking all my spending with a new app that I downloaded. It's a pretty awesome app and so far I haven't found anything wrong with it (and I'm pretty picky so I've definitely tried to find something wrong with it).
Saturday, August 30, 2014
|This is my phone. Samsung Galaxy S5. I highly recommend it.|
Wednesday, August 27, 2014
I want to post on my blog 5 days a week. This part is gonna be hard for me to do but I'm determined to do it! (If anyone wants to guest post, hit me up!)
I plan on tracking my spending again. For the entire month of September I am going to track my purchases and I'm going to post them on the blog for all to see. I've gotten to where I'm not really paying attention to what money is going where... and that is not okay!
My emergency fund is currently sitting at $400 (which is a pretty big deal since I had to use the whole $600 out of it last month when I was out of a job!). My goal is to get it to $1000 by the end of September. That means I'll have to put away $300 with each check, 2 checks in September would equal $600. Not gonna lie, it's gonna be tough for me to do but I'm gonna try my hardest.
I would like to spend at least 2 hours a week working on my side hustle. My Etsy shop. That 2 hours could be spent working on merchandise or posting new merchandise, as long as it is side hustle related then it counts!
Spend 30 minutes walking/jogging/being active at least 3 days a week.
I'm going to have to be super organized about this for everything to work out, so I'll be working on my plan for the next couple days to make sure I stay on track and achieve my goals.
Monday, August 25, 2014
So here it is.... something that yall may or may not know about me is that I suffer from pretty serious depression. My depression is considered clinical which kinda means it's a chemical thing in my brain. It has nothing to do with what is going on in my life and I could have the best life ever but I would still be unhappy. Of course I go thru times where I am happy and am able to have fun but other times it is a struggle. I've been to 2 different counselors and I've been seeing a psychiatrist lately but I just don't "click" with him so I'm in search of someone new.
When I get off at 4 I have often times come home and fallen asleep around 6 and I will stay asleep until my alarm goes off the next morning. In the morning when my alarm goes off it is the hardest thing ever for me to get out of bed and put effort into getting ready. I often go to work with my hair pulled back and no make up on and just feeling crappy. I know that if I took maybe 15 minutes to put on some make up and fix my hair then maybe I would feel a little better but it's easier said than done and I'm not sure that I have it in me.
This is something that I'm trying to overcome daily and even though it isn't something that will ever go away 100% I hope to have it under control soon.
So there you have it.
Sunday, August 24, 2014
Wednesday, August 20, 2014
Don’t overshare- When you come to the bank please handle your financial business and then be on your merry way. I do not want to hear about the fact that your man is in jail and you had to pawn y’alls wedding rings and big screen TV to get him out. Also don’t start telling me that you’ve been drinking ALL day when it’s only 1 o’clock. I’m going to think you’re an idiot because you are drinking and driving and IT’S THE MIDDLE OF THE DAY.
Forms of identification- We have talked about this before: when I ask for your ID I am not only protecting MY job but I’m protecting YOUR money. When you come to my window and I ask for your ID please don’t make a fuss about it, that will seriously just make me hate you. Don’t tell me that you have been banking here since 1967, you know why??? I HAVEN’T BEEN ALIVE THAT LONG, LET ALONE WORKING HERE ALL THOSE YEARS! And last but not least DO NOT throw your ID at me. Seriously? Have a little respect and don’t be a jerk. I do not know EVERY SINGLE person that banks here and you throwing a hissy fit like a 3 year old is going to make me ID you every single time even if I know who you are.
I am seriously amazed at all the nonsense tellers have to put up with.
Thursday, August 14, 2014
The one thing that I’ve noticed about budgeting is that budgets need lots of attention and almost constant tweaking. Kinda like a baby. What a weird comparison! Hahaha. You sometimes have to try lots of different methods before you find one that you like and can stick with (unlike babies). I have noticed that you can use a few different methods and make a custom budget, you could probably also trademark it and try to sell it and become a millionaire… Dave Ramsey, anyone?
I have been using the envelope budget for a bit and I really like it. Just to be clear I am not following the Dave Ramsey method per say, I’m kinda just making things up as I go along and putting cash in envelopes with labels on them… Well that’s pretty much what he says to do but I’m doing it the Spunky way not the Dave way. Anywayyyy, I like the idea of using cash but I’m not going to sugarcoat that shiz and tell you it’s a cake walk because that would be a lie. The hardest part has been the few weeks that I’ve been between jobs and pay schedules. My first pay check at my new job was not enough to fill up my envelopes (because it was only one week AND I didn’t get to work 40 hours that week).
I have decided to tweak the Spunky method a little bit and see how it goes. The new plan is that I’m going to give my different accounts jobs. This is something I have tried in the past and it didn’t really work but I don’t think I was all that motivated when I tried it. The reason that I’m doing this is that I’m just so tired of carrying all my cash around. I like the idea of using cash for “fun money” so I can know where it is going and for groceries so I have a set limit but as it is I am having to carry 2 wallets and it’s making my purse really heavy! As always I am definitely willing to hear any opinions you guys have on this subject. I have 3 debit cards that I plan on giving specific jobs….. the jobs are as follows: one is for doctor bills/pharmacy bills, one is for all other bills, and then one will be for auto related expenses like gas and oil changes and stuff.
The plan is that I will deposit money into those accounts when I get paid this week and then put the remainder of my money (minus my allowance-which will be in cash) into my savings account. I’m hoping that this works out for me. Fingers crossed.
Tuesday, August 12, 2014
Performing weddings- Bet you didn’t know I’m ordained! Haha. About 8 years ago my mom got ordained and started performing weddings. She made some serious cash! She would have people drive to the house and she would sign their papers and they would pay $50! There were lots of weddings where she would drive to do them and then she would charge $150+ depending on how far she drove. I haven’t done hardly any lately because well it’s hard with me working 8-5 because most of the couples we would get would want to come get their papers signed in the middle of the afternoon and I’m not available. I did marry a couple of my friends last weekend and they paid me $150. (which is going directly to my debt!) So I’m going to let my mom know that I’m willing to do more on the weekends and stuff if she gets any calls.
Selling on Etsy- I’ve always been really crafty for about as long as I can remember. My mom and I would go to Michael’s craft store and buy seed beads and stretchy string and I would sit around for hours and make bracelets and necklaces all day. My moms friends were usually amazed because I would sit still and do it for so long and I suffered from serious ADD so me being still was a “see it to believe it” kind of thing. During a pretty serious bout of depression sometime last year I spent a chunk of change at Hobby Lobby and the thrift store getting all kinds of stuff that I could decorate and bedazzle and just make pretty. I didn’t really make much progress but I still have all of the stuff and I was thinking about starting an Etsy store for what I make.
Selling purses/scentsy/AVON- I’m a natural born sales-lady. I could probably sell ice to an Eskimo. Scentsy was really popular where I am for awhile but I don’t hear much about it anymore. The intro package is like $100 but I think if I started selling it I could probably do a good job. I could also probably sell AVON or Mary Kay or the like but I don’t like to wear make up a lot so it would be harder to sell that. My mom recently found a line of purses that you can buy a sales package and sell them for a profit, the only downside to that is that it is SUPER expensive to buy the intro. The purses are something that my mom found out about and she said she is willing to front me the cash to do it if I would stick with it and stuff so I’m thinking about that.
So these are my current options… What does everyone think?
Monday, August 11, 2014
So here are my plans for the week:
1. Call about my 401k- Since I left my old job I have to do something about my 401k that I have thru them. I'm still trying to figure out where I should open my IRA which is kind of a lot to think about.
2. Catch up on my blog reading- Since I haven't been around the community lately I haven't read ANY of my favorite blogs (sorry guys!) and I miss reading and commenting.
3. Product knowledge for work- I'm at a new bank now so I need to learn the different products that we offer. Obviously it's pretty much the same as at my last bank but some of the accounts have minimum balance requirements and certain fees that I'm not familiar with yet.
4. List/Blog about my side hustle options- I value everyone's opinion and I feel like if I posted all my side hustle options I would get good advice about everything so look for that this week.
5. Spend some time on the budget- I get paid this week and it will be a 3 week paycheck so I am hopefully able to catch up and get back on track. Fingers crossed that I'll do well enough that I can soon start the "living on your previous paycheck" process.
Hope everyone has a good week!
Sunday, August 10, 2014
I remember doing a transaction for a guy once and while I was counting out his
Fast forward about a week or so......
Every Monday we had staff meetings in our drive thru area and this Monday started off just like any other. Got to work for the meeting, had the meeting, sat around talking to my co-workers for a minute and then I got my drawer out and went to my window in the lobby. It was about 8:45am and the lobby wasn't open yet so I had some time to get all my stuff together and get ready for the day. As I'm logging in to my computer I hear a man in one of the banker's offices and I remember I thought it was strange because we only had 2 male employees and I know that both of them were still in the drive thru. I ignored it and continued what I was doing until I hear the man say "Oh, there she is!! Can I give it to her?" I looked up and I see the same creepy guy who wanted to take me shopping, and he is now walking towards me with a brown paper sack. He then lays it on my counter, winks and walks away. Uhh what? (You might be wondering why he was there if the branch wasn't open yet, he had to close on a loan and that was the only time he could be there) After he was out the door I look up and my manager, assistant manager, 2 bankers and one of my male co-workers all crowded around me to see what was in the bag. Truth be told I didn't even want to touch the bag. But I did and I dumped the contents out on to my counter, it was a little scrap of paper all wrinkled up and written on with a pencil and a pink striped gift box that said VICTORIA'S SECRET. I remember being so weirded out that I couldn't do anything but laugh. On the paper he had written me a note that basically said: I was at the mall and I was thinking about you so I got you this. It's not much but if you will let me take you, I will give you more money to spend. WHAT???? ARE YOU KIDDING ME???? We called and the gift card had $25 dollars on it, I was in shock.
He came in a few weeks later and had the balls to ask me did I spend my gift card and I said "yeah, I did. And the guy that I'm dating really enjoyed what I bought, so thank you." BAM, IN YOUR FACE! I thought it was pretty clever. Of course everything I told him was true but I can't believe I said it all with a straight face. After he left my boss came up front and basically said that if he comes back in that someone else needs to help him because she wasn't comfortable with the way he interacted with me. All I could think was "fine with me!"
Now all of this happened in Fall of 2013 and just a couple of weeks ago I was on the way to a friend's house and I stopped and got a pizza at Papa John's and I walked in and who do you think was back in the kitchen area making the pizzas? You're right, my weird stalker. He hollered up at me, "Hey! Do you work at the bank??" I looked away, got my pizza and left.
It takes all kinds.
Thursday, August 7, 2014
All last week I was helping one of my good friends prepare for her wedding so when I would get home at night I would just pass out! Then on Monday morning I woke up with a nasty looking and painful spot on the inside of my left thigh. I knew what it was immediately and after work I went to the urgent care and had it looked at. MRSA. Don't google it because it's nasty. Since I noticed it so quickly I only have to take a week of antibiotics.
While adjusting to my new pay schedule I did have to get my credit card out because my first check was only enough to pay the bills that were due. I'm kinda miserable about that but the good news is that the next check I get will have 3 weeks of pay on it so I think I can get ahead again.
I decided to not turn my blog into a ".com".... yet. Its just not in the cards for me right now. I do however want to move to wordpress which I'm gonna start working on.
Sorry I vanished. Won't let it happen again.
Wednesday, July 23, 2014
So here are some of my wants....
- Knobs for my desk- I have a pretty rad vintage desk that I got at a garage sale when I was in high school but over the years I've lost a couple of the knobs on the drawers. I am only missing 2 but I would want to replace all 5 so that they all match. I checked some out at Wal-Mart and I could get a package of 10 for $15... I don't need 10.
- Strappy flat sandals- At the new job I can wear sandals (as long as they have some kind of strap around the back of my foot), I would really like to have some sandals that I could wear. I usually wear knee high boots (which get really hot) or my black flats depending on what pants I wear. I would like to be able to wear sandals like the other girls do.
- Make up- I have a pretty decent amount of foundation and stuff but the problem is that all of the sudden my every day make up is making my face break out. I also have some Bare Minerals make up that I like but it sometimes feels itchy on my face.
- A house- I want to buy a house. That's pretty much my dream right now, I've experienced some set backs lately with my job situation and stuff but I'll be back to saving as much as I can once I get back on track with getting paid.
Monday, July 21, 2014
My weekly plan from last week wasnt a complete failure but I could've done better. I did manage to de-clutter my bathroom and I did a no spend week. My no spend week ended on Saturday when there were things I had to buy for the house but I was expecting that. As for my gym commitment. ... that didn't pan out. I wish I had a gym buddy or something so I could stay committed (I say that but I hate working out with someone else because they want to be chatty and I cant deal with that when I'm in the zone).
So my plans for this week:
1. Take lunch to work everyday- As I was driving down the street to my new branch I noticed all the fast food places over here: Taco Buneo, Arby's, Braums, Whataburger. In my head I started thinking "just one crappy morning and I will blow my budget on lunch." So I'm determined to pack lunch everyday. (Today is left over mac and cheese, pineapple chunks, Ritz crackers, and a package of cookies)
2. Drink more water- Saving money while also being health concious. I drank one 16 ounce cup of water (with a crystal light packet) and I've seriously peed like 3 times in about an hour.
3. Re-evaluate my budget- I just want to look over my budget and make sure that everything is looking good and see if there is anywhere that I could cut back to save some money.
So there you have it, 3 goals for the week. Wish me luck.
Friday, July 18, 2014
I've been so busy with my training class that I haven't really gotten to keep up with my favorite blogs.... Hopefully I can catch up tomorrow!
Little update on my new job training: I took my test this morning, I got a 100%. Super exciting! I was done with training by 11:30 am so I got to go to my branch and "shadow" during the afternoon. I really like all my new co-workers so far. I picked out my window and come Monday morning it will be a little more "spunky" with my bright colored office accessories. Can't wait! I'll have to shadow for a day or so next week and then I will work out of the supervisor's drawer and then hopefully they will let me on my own by the end of next week. I'll keep everyone updated on how it goes.
Without further ado......
My Friday Faves:
Good Citizen @ Debt Discipline- Brian over at Debt Discipline shared a post this week about being (you guessed it!) a "good citizen" in the PF blogging community. He mentioned in this post how he started to take it personally that he would comment on some blogs and would get no replies! That has happened to me as well so I'm right there with him. But we are both over it now and have moved on! Lol. I did make sure to let Brian know that he is always welcome to comment on stuff over here and I will reply to anything he has to say!
July Debt Update @ Downstairs and in Debt- Last week I mentioned that this is the newest blog on my bookmarks and she is definitely staying at the top of my lists of weekly reads! I love a good debt update, and while she doesn't think she has done as well as she could have, I think she has done great! She has now challenged herself to get to the $4000 debt repayment by middle of September. I wish her all the best and can't wait to see how she does!
What To Do If You Totally Failed Your Budget @ Monica on Money- This is actually a guest post from Budget Blonde and it's definitely a good read. We are all humans and sometimes we mess up on our budgets and this article talks about what to do if that happens.
So there you have it everyone! The Spunky Banker's Friday Faves. Check them all out and show them some love!
Thursday, July 17, 2014
I've said it before and I'll say it again: bank tellers are the face of the bank and we have to deal with all of the crazies and the crankies that come in to the bank so please be considerate when you take a transaction inside.
Wednesday, July 16, 2014
New job.... I hate training. It's miserable. I go and sit in a room with two 19 year old boys and we read the policy and procedure manual and then we had to do these fill in the blank style worksheets and when we have "down time" we have to study the worksheets. Now that doesn't sound too terrible but I've been a teller for three years and all the regulations and everything that we are "learning" is stuff that I already know, I could teach the damn class. Today we got to run pretend transactions on computers so that was a nice change of pace! We have to take a test and make at least a 90% or else we are out of a job, so that's one more thing that I have on my mind to stress about.
This has not been my best post and for that I apologize. Hopefully tomorrow I can post something a little more upbeat! Hope everyone's week is going well.
Monday, July 14, 2014
1. No spend week- Right now it is Monday evening and I did spend some money today (I thought lunch would be provided in my training class so I didn't bring anything and it wasn't provided so I had to spend some money) so this goal is going to start tomorrow. With my new job the pay schedule is quite a bit different and I won't be getting paid until July 31st. That means I have to live on what cash I have until that day. I can tap in to my EF if I need to but I really don't want to do that. With the exception of gas (because my gas light came on today) and groceries (which hopefully I don't need until next week) I won't be spending any money this week.
2. Gym 3 days- I would like to go to the gym on Tuesday, Wednesday and Thursday this week. I have gotten out of the habit of going and I really need to get back to it!
3. De-Clutter my bathroom- In an attempt to get ready to have a garage sale I want to go thru my bathroom and clean out all of my hair products, make up products and just general "knick knacks" that have accumulated in my bathroom. **Just a note, it might seem weird to sell hair products and make up products (nothing that would be considered un-hygienic) in a garage sale but that stuff goes like hot cakes.
Hopefully y'all will help me stick to my goals this week. Does anyone else make a goal list to keep them on track for the week?
Friday, July 11, 2014
- Save. Spend. Splurge. Budget Round Up- (Okay so technically this was posted last week, but I just read it Thursday!) I'm a sucker for these kind of posts! I like to know how other people did during the month. Anyway, her monthly budget update is SUPER detailed and I love love love it! I wanna be that organized when I grow up.
- Shoeaholic No More's Liebster Award- Okay, okay, okay! I probably just super loved this post because she mentioned me in it! Lol. But really I loved reading Kayla's answers to her questions, I always enjoy getting to know people a little better.
- brokeGIRLrich's Liebster Award- This is one that technically came from March of this year buuut I nominated her for a Liebster Award so she went back and updated it. This goes along with the above blog and how I enjoy getting to know people better.
Thursday, July 10, 2014
Wednesday, July 9, 2014
- The Weight of Debt- This is one of the blogs that I found while I was working one day and I must say, I'm glad that I did. Bre always has a good post and her Monday Monologues are my fave!
- The Frugal Trial- Victoria's blog is one that I only recently started reading but I love hearing about how things are going for her in the UK.
- brokeGIRLrich- Another blog that I've only recently started reading but her's is super cute and she's a stage manager and I have a soft spot for anything theatrical.
- Figuring Money Out- This is a blogger who like me prefers to stay anonymous. She has posts that I really appreciate such as her blogging resources, which definitely helped me decide to start my blog (and to get my ".com" started).
- Lisa Vs. the Loans- One more that I've only started reading recently but she posts a lot of helpful stuff, like various links to other blogs (that I then start reading and can't stop, it's like a drug y'all).
Monday, July 7, 2014
- Pay off my debt- I would like to have all my debt (minus my auto loan) paid off soon. I don't have a time frame on that, I just know that I want to have it done. If I said something crazy like the end of this year then I would basically be planning to throw $750 at my debt every month. Not something I think I can do. So I'll stick to working my butt off and putting all my extra money towards my debt as often as I can.
- Emergency Fund- Currently my EF is sitting at $600. My goal right now is to get it to $1000 before I start working on another savings goal of mine. In all reality I should be able to have my $1000 in my EF sitting in my account earning interest by end of August (at the latest).
- I want to buy a house.- This is something that I tried to do earlier this year but I had too much debt to income ratio and I couldn't get financing. Once I get my emergency fund to the $1000 point then I plan on funneling my savings money into my "House Account," so that I can have money for the down payment. Ideally I want to be in a house making payments by the time I'm 25, which is in March.
- Career- I want to advance more quickly in my career. Now currently I am unemployed so that's the opposite of advancing but once I get back on my feet I don't want to be stuck as a teller forever. There is nothing wrong with being a teller and for 3 years I've loved it (most of the time) however, I want to be able to move up the ladder. Being a personal banker, asst. manager, loan officer, just advancement in general.
- Marriage and all that mushy junk- I want to be married and start a family. That's all there really is to that goal. Lol.
Saturday, July 5, 2014
|The One Week Budget by Tiffany Aliche|
I bought this book on my Kindle and let me tell you, I LOVED IT. Tiffany, "The Budgetnista," gave you stories about people that she had worked with in the past and that definitely made it easier for me to follow her methods. I really like that if you buy the Kindle version you can download the templates for the different lists and things that she talks about (for free) here. You can also follow The Budgetnista on Twitter here.
|The Frugalista Files by Natalie McNeal|
The Frugalista Files
This book is kinda in the form of a diary so you are learning about her life while The Frugalista is writing her blog and working for The Miami Herald. I sat down and read this in pretty much one day. Natalie is so funny and it's definitely easy to relate to everything that she was writing about! Love, LOVE, loved it! Check out her website here. And don't forget to follow her on Twitter, here.
|Shoo, Jimmy Choo! by Catey Hill|
Shoo, Jimmy Choo!
This book was so awesome. I loved that Catey broke down definitions for all kinds of stuff like 401k information and IRA stuff. She even gave you information on buying a car or selling a car, renting vs. buying a home. It was great! Here is the website. You can check out the templates for all the lists that she has you make, here. And obviously, you need to follow Catey on Twitter, here.
Friday, July 4, 2014
Yeahhh, that happened.
This guy walks up to my window and tells me he wants to cash his paycheck. To paint a picture for your imagination he looked like Ryan Gosling only heavier, more tan, and dirty (he worked as a maintenance guy on a high school football field). I'd be lying to you if I told you I didn't think this guy was real good lookin. I mean I like guys that could like pick me up and toss me over their shoulder with little to no effort and I like for them to actually do work, like physical labor. Anyway, I asked if he had an account with us, he told me that no he did not. I gave him the instructions that I give every check casher, "I just need your ID. And your right thumb print on the front of the check, preferably near the signature line. Please sign the back." So as I'm processing the transaction we exchanged some witty banter, and it was pretty fun! Well, he looked behind him and he saw that I had a line forming so he asked for a brochure and let me know that he was going to read over it. But instead of leaving he just stepped to the next empty window and read the brochure. When I handled all the transactions I looked at him and asked was he ready to open the account. He said no he didn't want to open an account but he did want to take me to dinner that weekend. I told him sure and gave him my number (I don't normally give my number to customers but I had a change of heart).
The next day I got a call from a number I didn't recognize and it turned out to be him. We ended up both being busy that weekend but we made a plan to go out during the week. We decided to meet up at a local bar that has karaoke every night and I was pretty excited about it! Well I got there and he was waiting for me, so I went and sat down and ordered a beer. Not gonna lie, from that moment on he was a total a d-bag. He made comments about having drank like a whole 6 pack before he met up with me, and that he smoked a pack of cigarettes that day as well..... I don't know why he wanted me to know that but whatever, I wasn't impressed. I don't normally check my phone when I'm on a date but I looked at it a couple of times and he made snide comments about that. Now being a banker I was genuinely interested in knowing why he didn't seem to want to open an account at my bank. He basically told me that he didn't have an account anywhere and that he didn't plan on opening one. **Anyone who works in a bank would recognize this as an automatic red flag because most people who don't want to open an account and don't have accounts elsewhere probably either owe a bank money (in which case, they are unable to open an account) or they might have a DHS levy or something equally as serious (if you have a DHS levy or anything of the sort then basically any money you deposit is going to be taken out by the government).** He then told me that he has a safe that he keeps all of his money is and that it had about $100 in it. Okayyyyy, and so the night continues.... There was a guy who went up to karaoke and he was very good so I was listening to him and I remembered his name because he went up multiple times, I mentioned that I thought the guy was good and my date basically told me that I should try to get his number. Are you kidding me? I told him that was silly and explained that I just thought he was a good singer.
Fast forward about 30 minutes and that's when it happened. The final straw, ladies and gentlemen. Trying to make conversation I told him about a guy who had gone to Subway and the change that he received was a counterfeit $5 bill. We talked about my training and how easy it is for me (and probably anyone who isn't blind) to spot a counterfeit bill. I got to telling him about all the security features that are in our currency and he seemed only slightly interested in what I was saying. So he asks me "how often do you get counterfeit money, what do you do with it?" I told him that it doesn't happen very often but when it does it's basically a pain because there is a lot of paperwork involved. I told him that after a co-worker of mine had quit the cash in his drawer became mine and that co-worker had 3 counterfeit $20 bills that he had been stashing in order to avoid the paperwork (dick move!). I said that I had had them in my drawer for a few days because I didn't want to do the paperwork (it really is tedious, y'all)... His response was "well, you could float me those bills and I could take care of them for you......" Uhhh say what? No. Some things bankers don't joke about and that is stealing money, counterfeit or not, from the bank. Needless to say I had an emergency come up and had to leave at that point because I wasn't trying to hear about this dude wanting to live a life of crime.
Obviously I didn't talk to him again, and he never came back to my branch.