Tag Archives: savings

Finding New Ways To Accomplish Old Goals (or Feeling Good About Some Challenges)

Posted on February 7, 2024 | Comments Off on Finding New Ways To Accomplish Old Goals (or Feeling Good About Some Challenges)

To kick off 2024, I wanted to work on budgeting again. I’ve done this so many times in the past, but it’s still something I struggle with. I’ve heard a lot of people say they are making the most money they’ve ever made right now but also feel the poorest they’ve ever been. I totally related to that feeling. So working on budgeting for my January challenge seemed like the right thing to do.

Things didn’t go the way I expected them to go last month, but I still feel like I accomplished my goal. I still don’t necessarily have a budget created for myself to track my money, but I’m a lot better about how I’ve been spending money. And a big part of that is working on using coupons and deals a lot more. I have been pretty good about using coupons at places like CVS that make them really easy to use, but I haven’t been as good about doing that at the grocery store. And honestly, it’s silly that I haven’t been doing that. But I’m now working on being a lot more mindful about what I buy each week at the store and trying to make sure I look up any coupons ahead of time so I can make the best choices.

I also signed up for a rebate app that does money back on top of coupons I might find online. I know there are a bunch of rebate apps out there, but I went with iBotta. That one seemed to be mentioned a lot and was pretty user-friendly. I know that I can do a lot more with that app than I’m doing now, but I’m starting off doing what I can and I’ve already gotten just over $20 back from the past month. I know that’s not a huge amount, but it’s still $20 I wouldn’t have had if I didn’t do it.

Once I’m better with doing these things, I do want to figure out about how much I spend in a month for groceries so I can use that to help me work on making a budget. I don’t think a super strict budget will ever end up being the right thing for me, but saving money where I can and being aware of how I’m spending it is something I know I need to continue to be better about.

And being mindful of things connects a bit to my challenge for February. This challenge will be a little harder to see if I’m successful or not, but I want to work on listening to my body more this month. I’ve had a lot of things that affect my body in crazy ways and I’ve just been working on going with the flow. But that’s not working for me anymore. Especially with side effects from medication, I’m tired of letting those things control my life as much as it has. I know I can’t be fully in control, but I can be a lot more aware of how things will affect me based on different factors. Maybe if I eat differently at different times of the day, things will be better. I’m sure I need to continue to get more sleep, but finding the right amount of sleep would be good too. I know that when I can sleep in, if I sleep too much I feel tired just like I do with a little too little sleep. I also want to focus on the hip pains I’ve been having lately so I can see what I can do to make that a little easier to deal with. So much is out of my control with pain and side effects, but there are still things I can do to try to make things better for me. I’m not willing to just give up and accept how often I have bad days anymore. I need to work on making things work for me again.

Just like so many other challenges I’ve done, this one will likely last more than just a month. But I’ve already been noting things about how different medications are affecting me and finding small changes I can try to see what works and what doesn’t. I’m hopeful that I’ll have at least a few new routines that work for me by the end of February!

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Posted in Health, Saving, Tough Stuff

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Ending The Year With A Very Productive Challenge (or Starting Off 2024 With Another Repeat)

Posted on January 10, 2024 | 2 comments

My monthly challenge for December was one that I knew I needed to do. I wanted to get myself as ready as possible for 2024 with my acting career. This was something that had really taken a backseat in my life over the past few years. I was still pursuing acting, but I knew I wasn’t doing things the best way I could. Things haven’t been what we all considered normal for the industry between the pandemic and the strike. But that’s also just an excuse because things have been happening since the pandemic, and commercials weren’t affected during the strike so there was still a possibility for me to audition. However, I discovered that I no longer had an agent during the strike. That was the kick in the butt that I needed to get back in gear.

I knew I needed new headshots, but I wanted to see if I could get a new agent first since that agent would likely have an opinion on those headshots and I didn’t want to do a shoot only to need to do another one after that. It’s been over a decade since I’ve had to look for an agent, so I wasn’t sure how things worked now. So I decided to start with people I knew since that would be the easiest way to start and I would love to be represented by someone who really knows me and doesn’t just see me as another actor on their roster. My first submission was to someone I have known since I was in college. We did improv together when I was in my 20s so we’ve known each other for over 2 decades. She transitioned to being an agent and I knew that her agency represented actors both theatrically (for film and tv) and commercially. It seemed like it could be the ideal situation for me and I was hoping she would think the same. And fortunately, that’s exactly how she felt and I was signed to her agency when we met! I know I’m insanely lucky how easy it was for me to get a new agent and this isn’t how it is for most people. And I’m also grateful that I have stayed in touch with people I’ve been in classes with for this long so I would still have this connection.

Getting a new agent was a huge win for my challenge and technically that was the only thing I got done during December. I did shoot new headshots last week after discussing what looks my new agent wanted to see. That shoot was in January, but I think it still can count as a win for my December challenge since it only was delayed because of the holidays. And now, I feel like I’m really back to acting and I hope that the combination of the new agent and new headshots will result in some amazing auditions and some bookings!

I know that not all challenges can go as well as my December one did. I didn’t even expect it to go that well and was thinking I might still be submitting to agencies and trying to get meetings through the next month or two. But it was a great way to end 2023 and I’m hoping that my challenges in 2024 will be close to that successful.

For my first challenge of 2024, I’m doing a bit of a repeat again. But I’m modifying it so hopefully I can be a bit more successful at it. I’ve tried multiple times to create a budget for myself and get on top of my finances. I’m doing much better with it now than I did before, but I’m still not great at having a budget. So this month, my challenge is to find the parts of my life that I can create a budget for. I might not be able to budget for everything, but I can try to budget for certain categories so I can be more mindful of my spending. I think that creating a budget for meals (both groceries and going out) would be a smart one to have. Also, I’d like to have some sort of entertainment budget. I don’t go out that much right now, but budgeting to go out and do things would be smart as I try to be out and social more. I also want to look more carefully at regular or recurring expenses to make sure there aren’t things I don’t use anymore that I’m paying for.

Maybe by budgeting for a few categories, I can ease into creating a larger budget for myself. I have some unplanned expenses right now that I don’t have the funds for and I need to save up. Knowing where all my money is going will help me save for what I need to do now and what might come up in the future. I know that I don’t make a lot of money, but finding any extra money right now would be so helpful. I don’t expect everything to be perfect, but I’d like them to be better than they are now so I can continue to get things in order as I have more things in my life that cost me money.

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Posted in Acting, Fun Stuff, Saving

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My 2024 Goals (or Things Already Might Need To Change A Bit)

Posted on January 3, 2024 | Comments Off on My 2024 Goals (or Things Already Might Need To Change A Bit)

Happy 2024! I hope everyone had an amazing New Year’s and the year has gotten off to a good start already. I had a pretty chill and low-key New Year’s (except for one thing) and that’s exactly how I like to do things. Before I went out to celebrate with friends, I set aside some time to work on my goals for 2024 and I came up with 4 that I really want to focus on for this year. But I might have to make a few modifications already.

My first goal for 2024 shouldn’t surprise anyone who has seen my goals over the past few years. I want to do at least 200 workouts this year. This is the same number I have had as my goal for a few years, and I don’t expect that I will ever change this since 4 workouts a week at Orangetheory feels right to me. I know I’ve had random weeks when I’ve done 5 workouts in a week, but I can’t imagine doing that regularly. I hope that I will do a few more than 200 this year, but this number allows me to have some missed classes if I get sick or something else prevents me from getting to a workout. But as long as I get to at least 200 workouts in 2024, I’ll be happy.

My second goal for 2024 might need to be changed. The original goal I had for myself was to find a way to save money so I could finally go on a vacation. I still want to see if I can accomplish this goal this year because it’s been a very long time since I’ve had a vacation. I think my trip to Catalina was my last vacation, which was awesome, but I’d love to get away from LA for a fun trip this year if possible. But on New Year’s Eve, my car was hit by a firework and has some pretty decent damage on the door. My car is drivable and the lock and door work, but it will need to be fixed. And I know that any work I do on my car will be pretty expensive. I’m going to work on getting some estimates soon and I’m going to look into whether I want to go through my insurance or not (going through insurance might end up being more expensive if my premiums go up after making a claim). But the amount that I was hoping to have for a vacation may have to go into fixing my car instead and a vacation might have to wait another year. I’ll just have to see how expensive the repair will be.

My next goal is a continuation of one from last year. I want to go as full force as possible with my acting career this year. I am starting the new year in a good place with a lot of things happening for my acting career. I have a new agent, I’m getting new headshots, I’ve re-edited my reel, and I’ve worked on updating my online casting pages. There are other things I haven’t had a chance to do or look into just yet, but I’ve made a lot of progress in the last month that will help to support things moving forward this year. I know that getting auditions and booking jobs aren’t fully in my control, but I’m doing whatever I can to make sure I’m ready for opportunities and I hope that I see some new progress in my career over the next 12 months.

My final goal for 2024 is another one that I feel like I’ve kind of done in the past, but it’s still important. I want to find the time to enjoy life. It’s so easy for me to wake up early, go to my workout, work my day job, make dinner, go to bed, and repeat. Week to week my schedule is pretty consistent, which isn’t a bad thing, but it also makes time go by without me realizing it at times. I want to enjoy my life as much as possible because that is the point of life. I do make plans with friends when I can, but I need to be more active in reaching out to friends and scheduling things. I have some days that are really difficult for me to do things after work, but that’s not every day. So I should take advantage of the evenings when I do have more flexibility and do things that aren’t just sitting at home and doing nothing.

I know these goals aren’t anything crazy or extreme, but I think they are good goals for me to focus on so that I can make the most of 2024. I still will have my monthly challenges that will push me to do more than just these goals throughout the year. But I think these main 4 goals are things that will really benefit my life in the long run. And I hope in a year, I will be reflecting on these goals and proud of what I have been able to do.

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Posted in Acting, Celebrations, Fitness, Fun Stuff, Saving

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Reviewing Some Expenses (or Getting Rid Of My Old Budget)

Posted on March 8, 2023 | Comments Off on Reviewing Some Expenses (or Getting Rid Of My Old Budget)

I think a lot of people have recurring charges on their credit cards or money taken from their bank accounts each month. I don’t set up my bills on auto-pay since I like to review my bills to make sure there aren’t any odd charges before I pay, but I’ve had plenty of things set up to be recurring charges whenever they are set to renew. I think I have more of these on my phone, like the NY Times crossword puzzle app. But I do try to review these when they renew to make sure I didn’t forget to cancel something. And I do check the charges on my credit card each month, but most of the recurring charges on my card are annual ones so I don’t think about them too often.

I try to cancel anything I know I’m not using since it’s wasted money if I don’t. And if I’m trying out something, I always check to see if I can cancel it while I’m in the current trial or paid service to make sure that I don’t get charged for renewal but still have access to use it the entire time that I should. And I have removed a lot of things that I have realized I don’t need or want anymore. The biggest one that was recurring charges was magazine subscriptions. I don’t get any magazines in the mail anymore outside of things through my union. It was an extra expense that I didn’t need and since getting rid of them I haven’t missed them either.

But there are always things that I forget about until I get the email either saying my payment is going to go through soon or thanking me for making a payment. And with those annual recurring charges, since I don’t think about them I don’t think about canceling them either. But I recently had to cancel 2 annual charges for things that I just don’t find useful anymore.

One was for a note-taking app that I used to use all the time. The only reason I paid for it was that that was the only way to sync notes between devices. And since I used it on an almost daily basis in the past, that small annual charge was worth it to me. But when it was renewed recently, I realized that I hadn’t used it much in the last year that I was paying. I have found other things that work for me for tracking notes that are free and if I really needed my old app I could still access it for free through my computer. So I could transcribe notes from something else on my phone to my computer with a little effort. Since that had already been renewed, I had to submit a form to get a refund, but fortunately, that wasn’t too bad of a process and I got my money back within a week.

The other annual charge that I decided against renewing was my budgeting app. I think it’s a bit funny to cancel a budgeting app to do better on my budget, but I just wasn’t using the app anymore. I’ve been working toward finding an alternative that I like more, but I haven’t figured that out just yet. But while I had been working on a new option, I wasn’t using the app I had been using for a while. It’s not that it’s a bad app, it just doesn’t serve me the way that it used to with the budgeting goals that I have now. And to pay for it when I don’t think I’ll be using it anymore seemed silly. So that was canceled before I was charged and I didn’t have to worry about it again.

I know removing these 2 recurring charges won’t make a huge difference in my budget, but it is removing unnecessary spending which is important. And I do want to look at more recurring charges that I have to see if there are other things I’m missing that I’m paying for but don’t use. I don’t know if there are any, but I would have said that last month before I remembered about these 2 so I have a feeling there will be something else that comes up when I look into things more.

And when I eventually figure out a new way to work on a budget, having fewer recurring charges will be helpful since it will be less to track. It’s all these small changes that I can make that will help make things easier and hopefully also add up to save me a nice amount of money.

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Saving Money and Trying To Be Green (or Revamping Some Things)

Posted on May 22, 2019 | Comments Off on Saving Money and Trying To Be Green (or Revamping Some Things)

This post is a bit of a mishmash about a few different things, but it weirdly all is about one purchase I made on Amazon. I recently purchased reusable cotton rounds to replace the single use cotton rounds I use twice a day for my face toner. And that purchase inspired a few changes that I’ve been trying to make.

The original reason I bought these reusable cotton rounds was that I realized how many I went through in a day. My bathroom trash can was usually at least half full with them because that’s one of the few disposable things I use in my skin care routine. It’s not that they are super expensive, but it does add up when you go through over 50 in a month. And I had read a few stories online about how they can have different chemicals in them and that they aren’t the most environmentally friendly because of how they are made. It seemed like an easy purchase to make so I did it. They weren’t that expensive, although since cotton rounds aren’t that expensive to begin with it might be a bit of time before I break even. But it wasn’t just about money, so that’s not that important.

So that single purchase got me thinking about what other disposable things I use in my day to day life. I’m proud that there aren’t that many things, but there are enough to look at what options I have to replace them. There are a few things I had already done like getting nicer straws so I didn’t use disposable ones (although when I did use those, I used them for a while before throwing them out). And I’ve looked at paper towel alternatives, but I haven’t found any that I like and I still like to use regular paper towels. But it has gotten me to look at what I buy and what I have stored in my house.

As I have been replacing things, I have been able to clear out what I have been storing in my little storage area in my house. It’s been a slow process because I do try to finish out what I have already purchased, but it’s getting there. I am not buying things in bulk and trying to find a place to put them. And I don’t have to think about repurchasing something because I am running out. It’s been a nice feeling when I don’t have to make a trip to CVS in the middle of the night because I desperately need something.

The few purchases that I have made that are more environmentally friendly haven’t always been because of that reason. The cotton rounds were more about being aware of what I am using on my face and I was tired of feeling like I was just throwing out so much every day. I also hated that even the premium rounds I purchased left fuzz on my face and hands. The fact that they were better for the environment was a bonus after I looked into them more. But I guess it doesn’t matter what the motivation was for the purchase, if they are more environmentally friendly that is a good thing. I know we all need to be more aware of the single use things we have in our lives, and I’m slowly doing that and seeing what I can replace.

Just like so many other parts of my life, it’s hard to make the changes until I really become aware of what the problem is. I can’t just look at my house and see what I need to change to save money or have greener options. But once I’ve discovered where the issue is, I have been quick to look into what I can do. I know that not every green option is the best for my financial situation, but not all of them are that expensive if you take the time to shop around online. For example, some of the cotton rounds I found were over $20 and that seemed too much. But I looked around and found them for about $5. I have to be picky right now on what I buy so I don’t just spend money, but again, it will save me money in the long run.

I’d love to hear what other inexpensive changes I can make to be more environmentally friendly. I know there are so many things I don’t know about yet that would be easy swaps. And obviously if they also save me money that would be amazing.

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Posted in Beauty, Fun Stuff, Saving, Shopping

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Going Back To An Old Habit (or Finding Control With Budgeting)

Posted on March 22, 2019 | 1 comment

A while ago, I started working hard on budgeting. I had tried so many different budgeting apps and sites over the years and I never felt like they worked for me. I always knew how important it was to budget, but I just couldn’t do it. This changed when I started using YNAB and I figured out how to use it (the first time I used it I was making mistakes that made it difficult for me to understand things).

For a long time, I was using YNAB religiously. I was able to properly budget for the first time in my life and I was so aware of my financial situation. This was so much more than I ever thought I could have and I was so happy. While my money situation isn’t the best, I felt better knowing exactly what it was. There were no surprises about where I would find the money to pay for certain things and I was using my credit card mindfully. While I wasn’t perfect, I knew I wasn’t perfect and I felt better about any mistakes I might have had.

Toward the end of last year, my financial situation got into a really bad place. There was one month I didn’t have money to pay my rent. I am so grateful that my parents were able to help me out, but it was still a very embarrassing time for me and I am ashamed that I had to do it. And when this was all happening, I stopped budgeting.

There was no point in me budgeting when it was just going to show that I was over-budgeted every month. I hated seeing all the red numbers on the budget knowing that I wasn’t really able to change it. I wasn’t budgeting categories like food or fun things. My bills and rent were making me in the red. While I loved having control, this was making me feel more out of control and I was starting to panic. So for my mental health, I had to stop budgeting for a bit.

I’m in a slightly better spot now with money. This is a temporary fix because my contract with my old job is only for a few more months. But the fact that this contract is temporary is the exact reason why I need to get back to my old habit of budgeting.

There is the possibility that the money I make in these few months could cover me for a good portion of the year. The only way to make that happen is to budget and to make sure that I am using my money properly. So I need to get back to doing just that and being just as serious as I was before.

Because I took a break from budgeting, I will have to start things over. It will be too complicated for me to go back to my old budget and update things since I would have to find a way to zero things out. And I can use this opportunity to reevaluate what categories I have for my budget and where I want to make sure my money is going or saved for. Plus, I think starting over will eliminate the potential panic I could feel if I tried to go back to the old budget that caused me some mental distress.

I’m trying to get this set up quickly, but I’m also trying to not rush through it. I want to take my time with getting everything the way I want it to be and to make sure I’m not missing anything. I want to have things as clear as I can for me so that I can see the full financial picture that I currently have and will have. And I also want to take the time to review the best practices for using YNAB so I don’t make any silly mistakes or worry about how to do something.

My goal is to have this up and running by next week for sure. I’ve been trying to get the budget part set up for the past day and I keep looking at it to make sure that it’s how I want it to look. There are adjustments that I’ve been making to make sure I don’t forget anything that I will need. I also have been trying to simplify things since I think that having too many categories can be an issue too.

It’s nice to be getting back on track with my money and budgeting. I can’t control that many things in my life, but this does bring me a small sense of control over what really is a bit of an out of control situation. And maybe I’ll be able to prevent the issues that I had at the end of last year by being more aware about things. I know that there were things that I probably did wrong that made my money situation worse than it needed to be.

Ideally, I will find a new job this year (yes, I’m still searching and applying for jobs almost every day) and that will help my financial situation to get to a place where I don’t have to worry about money as much. But having more money doesn’t mean I won’t budget things. I will just be able to budget for things that are more fun than bills and paying off my credit card. I would love to save for a trip or buying some things I want to have. And ultimately I’d like to find a way to start budgeting for buying a condo one day.

But for now, I just want to get back into a habit of budgeting so that when I’m ready to budget for fun things I already have the skills I need to do that.

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Building Upon My Monthly Challenge (or Continuing To Work On Shopping)

Posted on October 2, 2018 | Comments Off on Building Upon My Monthly Challenge (or Continuing To Work On Shopping)

Last month, I said my monthly challenge was to not do any online shopping. I did allow myself some exceptions to the rule if necessary, and I’m happy to say that I only did that twice. Both times I shopped online this past month was on Amazon, but only one of those was for me. The first time was sending my friend some supplies they needed after getting home from inpatient treatment. I would have preferred to bring it in person, but I knew I wasn’t going to be able to do that soon enough. And the second time I did online shopping was for some household goods (batteries, paper goods, office supplies). And I did do price comparisons to make sure getting them online was the right choice.

Even though I didn’t completely eliminate online shopping, I feel like I did reduce it a lot. And it changed my shopping habits as well. For the stuff I ordered online for myself, I didn’t buy things right away when I needed them. None of the things I needed were urgent, so I just added them to my Amazon cart and saved them up until it was the end of the month. It was much more mindful than I have done online shopping before and I really did notice a difference in what I was considering buying when I knew that I wasn’t necessarily going to be getting it soon. While my shopping wasn’t out of control, I knew I needed to cut back and I’m happy that I was able to accomplish that in September.

I’m going to continue working on limiting my online shopping. I know it won’t be completely eliminated, but I can work on making sure that I’m not ordering things whenever I think of them. I think adding them to my cart and waiting a few weeks was the right choice. I do have other gifts for people I need to order online this month, but it’s really not the same as ordering for myself so I’m not as worried about it. And since they are gifts, I’m just getting that one thing and not seeing what else is something that can be bought.

And going off of that idea, I was inspired for this month’s challenge. I have become so much more mindful of my shopping online. Now I want to be more mindful of my in store shopping as well. And a majority of my in store shopping is for groceries and household things, so the easiest way I think I can be mindful is to always have a list.

I’m actually pretty good at making lists when I’m shopping for household things. I usually shop at CVS and I have been taking advantage of their coupons for a long time. But I have learned that I can combine the coupons you get when you shop along with coupons that various brands put out and with the overall discount coupons I get in the mail (like when you get 30% your shopping trip from CVS). I’m not a crazy coupon person, but it does make me happy when I see the percentage of savings on the bottom of the receipt and it is over 50%. It happens more often than not and it’s nice to know that things I am buying are cheaper than what others may be paying for them.

And I used to do grocery store lists and still occasionally do them. If I’m making something new or have food planned out, I make a list because I hate forgetting one thing that I really need. But I don’t always have a plan and do a lot of routine shopping. I know that I will eat certain things each week and I usually don’t even think about it as I pick up those things each week. But then I also know that there are plenty of times that I just get those things and don’t necessarily think about different meals or what my schedule will be like that will make my meals a bit weird.

I don’t necessarily want to make this about meal planning, although I do think that will be a bit of a side effect of doing this. But I do want to write down what I am going to buy even if it is just stuff I usually get each week. I want to think about what I’m going to do before getting into the store. I can’t guarantee that I will only get the things on the list because sometimes I see something that is new or inspires me. But at least it will give me a plan to try to follow.

In a perfect world, I will make the list for shopping for whatever I am getting before I leave my house. I do try to do that when I can, especially when I’m doing multiple errands back to back. I’ll make a list of each place I’m going to and what I will be getting at each store. I think writing it down really is the best for me because it does help me remember it. But if I’m out and going to do some shopping, I can just make a quick list on my phone. I do have some list apps, but it’s also easy enough to do it as a text or email to myself.

I’m also planning on using this for shopping for clothes and other goods too. When I need to go to a store to buy some new clothes or replace something, I also end up doing a lot of wandering around the store and seeing what else catches my attention. I’m doing much better not buying things that weren’t a part of the plan, but maybe making what I need to buy as a list will help me not waste the time wandering around. I still want to give myself the freedom to do window shopping and see what inspires me, but I want to also make those moments more mindful and for me to be aware that I am choosing to do that.

I’m so glad that I’m going to continue working on my shopping habits this month. I was pleasantly surprised by how last month went and how easy it ended up being. I only hope that this month goes the same way.

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Default ThumbnailStruggling To Figure Out A Monthly Challenge (or Finding Myself Again) Default ThumbnailDecember Monthly Challenge (or Wrapping Up For The Year) Default ThumbnailNot Perfect This Month (or Challenged With The Monthly Challenge) Default ThumbnailThinking Of Changing Up My Monthly Challenge (or I Guess This Would Be A First) Default ThumbnailDoing The Opposite Of My Monthly Challenge (or Continuing To Focus On The Good) Default ThumbnailAnother Monthly Challenge Down (or The Prosperous Heart)

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Working On Not Spending (or Trying To Not Get Sucked Into Sales)

Posted on July 20, 2018 | Comments Off on Working On Not Spending (or Trying To Not Get Sucked Into Sales)

It seems like for the last month, everyone was talking about how excited they were for Amazon Prime Day. I know that you can get some amazing deals on Prime Day and there have been deals in the past that I really regretted not taking advantage of. I use my Amazon Prime membership quite a bit (I probably order too much from there, but it’s just so easy), but I’ve never really done Prime Day shopping. So this year, I decided to check it out and see if there was anything that was worth it.

I did look a bit at a few posts talking about what to be on the lookout for on Prime Day, but there were just too many different lists of things to look for and what has been on sale in the past. So I figured I would just browse Amazon during the sale and see if there is anything that caught my eye and was a good deal.

I clearly wasn’t prepared. I know that the site went down and that was a big problem for searching, but there were just too many things on sale to try to make sense of it all. I was trying to sort through different categories since there were some things I knew I wasn’t interested in, but it just seemed like endless lists of things on sale. I started to open new tabs with things that seemed good to me, but then that got out of control and I probably had 60 different tabs open.

I took a step back and it almost felt like I broke a trance. It can be hypnotic to look at how cheap things can get. I do that all the time when looking at other discount sites online. I usually find a ton of things that I can’t believe how cheap they are on sale and debate about getting them. I usually will add things to a cart and then if I still want it later I’ll come back and finish the purchase. I rarely end up finishing a purchase.

I am big on finding deals where I can. I’ve become pretty great at stacking coupons at CVS so things are pretty cheap. Between their coupons they send in the mail, the coupons on the receipts, the Extra Bucks you get, and looking at coupons online; I usually save at least 50% on what it would cost with no coupons. I have had times where technically I made money because the amount I got in Extra Bucks after my purchase was more than what I spent out-of-pocket. I’m not a crazy coupon person, but this only takes a few minutes before I go to CVS and it’s easily worth it.

But at the same time, if you are saving money on something you don’t need you really aren’t saving money. Even with my CVS trips I try to only get the things I know I need. Sometimes I will stock up on things like toothpaste that I don’t need at the moment but will need later because of the sale, but I try not to make that many impulse purchases. And online shopping is really a lot about impulse purchasing. You see one thing and realize it’s a good deal and before you know it it’s in your cart with the things you need and it’s at your door in a day or two. I’m guilty of this habit and I know I need to break it.

After doing some reflection, I rethought my Amazon Prime Day plan. I decided that first I was going to look at things on sale that I already use and would be purchasing again in the future. I found the body wash I use on sale for half off so that was worth it to me. Of all the tabs I had open, the body wash was the only thing I really needed. Then I decided to look through the tabs and see if there was anything that I really wanted and wasn’t too expensive. The only things I got were some new coasters (my current ones don’t absorb any water and in this heat my water glasses are always sweating) and a set of mini glass vases which were similar to something I was looking at in another store but was much cheaper. I want to add some flowers (possibly fake ones) around my house to make things seem nicer and these vases will be perfect.

And that’s all I got. I know there are people who were sharing online how they got something for 90% off or that it was so cheap that it was almost free. But unless it was something I really needed, I really couldn’t afford to buy it. Money is getting very tight and I’m working on finding more work somewhere, but I also know that these shopping trips are probably things that I could be cutting back even more even if I believe that I’m only buying essentials. I’m going to be working on some reevaluating on what essentials I use so I can try to get better at either finding them cheaper or using what I have until my money situation gets better.

It’s not easy for me not to spend. I want to have nice things and I don’t think that I get anything too outrageous, but I also know that I am buying stuff because I think I need it. I don’t need to have the best of everything and I need to get better and using what I already have and repurposing things that I may have forgotten about.

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Default ThumbnailLearning To Coupon (or Trying To Save Since I’m Not Earning Much Now) Default ThumbnailBuilding Upon My Monthly Challenge (or Continuing To Work On Shopping) Default ThumbnailSaving Money and Trying To Be Green (or Revamping Some Things) Default ThumbnailWorking on Budgeting (or Spending Money To Save Money) Default ThumbnailWorking On Money Priorities (or What’s Worth The Splurge) Default ThumbnailLooking Forward To Some Big Spending (or Needing New Technology)

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Tax Time Again! (or It’s A Taxes Miracle!)

Posted on February 27, 2018 | Comments Off on Tax Time Again! (or It’s A Taxes Miracle!)

I’ve been getting my taxes done by Daphne at Sloan and Associates for a few years now. First of all, if you are in any creative field or have any type of nontraditional work life, I highly recommend going to Daphne or anyone else at the office for your taxes. The way she understands how to help me organize my taxes is amazing and I have learned so much from watching her work that has made me better at tracking my deductions.

Even though Daphne has been amazing with my taxes each year, I do still get nervous before going in because I never want to owe more than what I saved. And while I am pretty good with keeping track of expenses, somehow in 2017 things didn’t go exactly how I planned. I knew I screwed up a bit with my tracking of medical expenses in the beginning of the year. That’s because I was expecting to have surgery and I figured that I would hit my out-of-pocket maximum and that would be what I deducted on my taxes. But when I didn’t need surgery, I realized I didn’t track all my medical tests and things. Also, somehow I lost several receipts for meals I had that were business related. Even though those don’t add up to a ton, I like to be as perfect as possible.

So when I went to my appointment with Daphne last week, I was a bit scared that these little mistakes would cause me to owe a lot. I still felt confident that I would owe less than I saved, especially since I paid all my estimated taxes, but it’s always nice to have extra money to help with expenses (like my Pantages tickets which I just renewed). I had spent a few days before the appointment getting extra organized and making sure I had all my forms filled out to the best of my ability. Doing that makes Daphne’s job easier and that gives her time to see if there are any things I missed out on that I should be aware of for the next year. I always err on the side of caution, but because so much of doing taxes is being aware of what deductions I’m eligible for and making sure I do things right, I feel like it’s a game.

When I got to my appointment, I was pretty excited to see Daphne. She’s awesome and we always have fun, even when she’s doing my taxes. And I know she likes how organized I am and it always makes her happy that her job is easier. And just like she had the past few times, she showed me the worst-case scenario first before she put in my deductions so I could breathe a little easier knowing things would be ok. Although this year was the first year that the worst-case was actually higher than what I saved! But I knew it would be going down a lot. I had a lot of work expenses like liability insurance that I had to buy and my home office (which is usually a risky deduction, but in my work contracts it states my office is at my home).

While Daphne was entering in all my deductions and income, we also had fun chatting. She recently got a Disney pass so we were talking about how we want to have a Disney day once tax season is over. I know she’ll need some fun after doing everyone’s taxes! She’s also a musical person and I was telling her about the shows coming up. She can’t do season tickets, but she might join us for a show either this season or next.

It seemed like this year it was much quicker for Daphne to enter everything into the system for my taxes. I didn’t know if that was because I had fewer deductions than I did in the past or that things were just easier now. It did make me have a few moments of minor panic that I didn’t do a good enough job. But when she was done, she told me to look at the screen at what she was about to click on.

She was clicking on the button to say how I wanted my refund sent to me! I couldn’t believe I was getting a refund! I thought she was kidding at first and thought it was a joke, but she was totally serious! Between my estimated payments, my deductions, and the money I get back for overpaying my health insurance (my subsidy wasn’t at the right amount for my income level), I actually was getting a small refund! It was unbelievable but also proof that if I listened to what Daphne taught me each time that I could make sure that I don’t owe much (or anything) at tax time. Everyone is fearful of working 1099 jobs because you owe money at tax time, but if you do everything you are supposed to do it doesn’t have to be that way.

After everything for state and federal was done, I do technically owe a little bit. I owe $30 more in my state taxes than I am getting back in my federal refund. But even owing $30 is nothing compared to what I’ve owed in the past or what I was prepared to owe this time. I know a lot of it was because my estimated tax payments were so high, but paying it throughout the year is so much better than paying it all at once. And it saved me from owing a penalty on federal taxes as well! My estimated payments for 2018 are about what I paid in 2017, so I’m hopeful that I should be able to keep my tax bill at tax time next year low again. I don’t know if I’ll get it down so much that I get a refund (I probably won’t get the money back from healthcare as my subsidy was corrected and I shouldn’t have as much in healthcare expenses), but I am more confident in my ability to track the expenses for work so that what I save for tax time doesn’t all have to go to taxes.

I’m so happy that I do have some extra money that I wasn’t planning on. Some of it needs to go to things I have already gotten (like paying back for my Pantages tickets) and I will use some for bills and toward my credit card debt. But I do want to see if there is something else that is small but fun that I want. I’m not going to use a lot of that money, but maybe getting a purse I’ve been wanting that is not cheap or doing a fun spa day could be a nice reward for the hard work. But I might just put it all toward my debt because that is the more responsible thing to do and I want to get that number to 0 sooner rather than later.

But whatever I end up doing with the money that I have leftover from saving for taxes, I am just so glad that my hard work paid off and that I am understanding how to manage my taxes so much better now. I feel in control with taxes and understand so much more than I ever did. I know what I need to track and what expenses to be aware of. And I have Daphne to thank for that because she really took the time to make sure that when I leave each time that I don’t have any questions or confusion about why my taxes were the way they were. I know she was giving credit to me for working hard and doing all the right things last year on my taxes, but I give her the credit because she is the one who taught me how to do that.

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Default ThumbnailA Fresh Budget (or Starting Over With YNAB) Default ThumbnailFinding New Money Issues (or Looking At Doing A Fresh Budget) Default ThumbnailTax Time (or Happy To Owe The Government Some Money) Default ThumbnailIt’s Taxes Time (or Seeing My Hard Work Pay Off) Default ThumbnailNot Quite Winning At Taxes This Year (or Owing Money And Seeing Car Accidents) Default ThumbnailIt’s Tax Time (or Seeing My Tracking And Organizing Pay Off)

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Finding New Money Issues (or Looking At Doing A Fresh Budget)

Posted on February 23, 2018 | Comments Off on Finding New Money Issues (or Looking At Doing A Fresh Budget)

I’ve written about using YNAB to do my budgeting on here before. And I’ve written about doing a fresh start in the app when I felt like things weren’t moving the way I was hoping they would be. It’s been a while since I did that fresh start and things were getting much better and I was feeling so much more confident about money. My credit card debt was going down, I was saving money for annual expenses so they weren’t as overwhelming, and I felt like I was finally getting on top of things.

Unfortunately, that feeling has left me lately. I’m at a point right now where I have less in my bank account after paying my rent for next month than I’m used to. I think it’s lower than it’s been since I started using YNAB and that’s not a good feeling. I was trying to tell myself that this could be that I’m getting paid weekly instead of twice a week so I didn’t have a big paycheck recently. And I’m still waiting on a check from one job. Also, one of my day jobs recently cut back my hours by 2/3rds. They are hoping to find some other work that I can do to make up some extra hours, but there is no guarantee that I could do that.

Because I’ve been budgeting for a while now, I’m on a bit of autopilot. That can be a good thing because I don’t have to think about adding transactions to the app anymore. I just do it automatically as I spend the money. But because I’m on autopilot, I don’t think I’ve adjusted to my new income level and I have been spending the way I was when I was still working more hours. It’s a difference of about $800 a month which is a significant amount. I am looking at ways to make up that money, but so far I haven’t found another job to add to my collection.

I could just start adjusting my budget in the app to start reflecting the amounts that I should be spending in each category. I know that I could be better about meal planning so I spend less on groceries and I don’t buy as many frozen or pre-made meals (which are more expensive than just buying ingredients). And I know that I need to go through my monthly recurring charges to find what I can either cut back or eliminate completely. I can’t keep living as if I was making the same as I was before because it will put me into a really horrible financial spot.

But even though I could just be adjusting my current budget, I’m looking at doing another fresh start now too. In some ways, it would be nice to have a clean break from how my spending was before to what my spending should be like now. But on the other hand, it would be good to learn the skills I should have to adjust my budget when necessary. Money fluctuations will probably always be a part of my life and I need to be better about planning when things aren’t stable. You can’t always start over so I should know how to adjust and be flexible.

As I’m writing this, I’m about to have my taxes done (when this goes up, it will be the day after my taxes are figured out). I think that once that is done and I know how much money I will have left from my savings for taxes (hopefully I will owe less than I saved!) I can make a more educated plan on what I want to do with my budget. It may be the perfect time to have a fresh start because then I will know what my money situation will be like with what I have to spend. It is a bit tough to budget when I have one bank account that I can’t really touch except for budgeting for my taxes, so I’m thinking about eliminating that bank account from my budgeting plan. I think maybe it was misleading because I felt like I had more money than I do.

I know that budgeting needs to be a big focus of mine right now. I need to get back on the track that I was on and I can’t just believe that somehow things will work out. That’s how I got into the financial situation that I’m in right now. I was trying to believe that everything would be ok and that I didn’t have to worry about it. I was wrong. I should have worried and I regret not worrying back then. But now I am so much smarter about how I need to be in control of my money and how I am spending it and hopefully I can fix this problem quickly before it takes away the hard work that I have been doing for a while.

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Default ThumbnailGoing Back To An Old Habit (or Finding Control With Budgeting) Default ThumbnailBudgeting and Spending (or Sharing YNAB With A Cashier) Default ThumbnailA Fresh Budget (or Starting Over With YNAB) Default ThumbnailFinding Ways To Treat Myself (or I Wish Money Wasn’t An Issue) Default ThumbnailWorking On Money (or A Prosperous Heart Update) Default ThumbnailWorking on Budgeting (or Spending Money To Save Money)

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