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November Update

November 18th, 2006 at 02:43 pm

Woohoo - the month is looking good.

Just deposited my preschool refund and unless I Am forgetting something (I could be), I have another $185 to add to the e-fund. The month is not over yet and dh made $100 on the guitar AND I have quite a few large baby items to sell. We will get $100-$200 through the end of the year - maybe $100 this month. Plus I have $125 cash sitting in my pocket. As I always say I hate cash, but I will splurge a little on our trip today. Hopefully I will have $50 at least leftover, probably more - so makes it pretty certain we can get our E-fund to $6k this month! OMG!!!! To go from feeling like you can not possible save to saving $1k in such a crazy time of year is super awesome. It was mostly working extra and selling things - but I think we can keep that up for a while - the little things really help.

Oh yeah - but wish us luck. Our house is insured for about $200k and rebuilding costs have SOARED these last few years since we bought. Doing our insurance review Monday. Hopefullly the damage isn't too bad - I know we need more coverage on our house. But I don't now what else they will try to sell us. I will probably just be aggreable and then come home, pop on the internet, and research everything and call and cancel most of it - hehe. I am a pushover, and dh isn't but he said he didn't want to go because he doesn't know anything about any of this stuff. Oh anyway, when we moved here I met with the insurance agent and he was really NICE and didn't push a bunch of stuff on me. But he shortly retired, the young whipper snappers are pushy, we'll see. It's hard to know what is necessary or not. Our old agent was always pushing more medical and liability stuff on our car, and I might consider it now that we have a lot more significant assets. Feel like the more you have, the more you have to spend to protect it. On the flipside, they just changed their rate structure so instead of going by zip code they are charging auto insurance by driving record. So though our home insurance may be going way up, I think our auto insurance may significantly decrease next year - woohoo. I Was so bummed when we moved here and our insurance pretty much doubled. Did not make sense to me since it is a less metro area and I drive way less, etc. But with our perfect driving records (knock on wood), our rates have got to be great with the change. I know it was simply the zip code that was totally reaming us. Well we'll see how much a difference it makes next year when the rates take effect. Oh anyway, I put the $185 for savings in the short-term fund because I wil probably need it for insurance - might not go to e-fund after all.

I admit I don't completely understand all of the ends and outs of profit sharing plans but I was clarifying something with my boss yesterday, for a client, and realized I have more guaranteed to me today than I realized. I thought I wasn't eligible for my contribution unless I Worked a full year, but I Am eligible after working 1000 hours. So I added my contribution through November to my tally. Woohoo - added $2500. I had accrued some of it already but don't want to get into profit sharing plans and why - hehe. But I will start accruing that every month. Well after I hit 1000 hours next year. & the coolest part is at the end of next month I vest another 20% and will add another $5k to my balance. Next year I should vest about $6k and get an $8k contribution, so next year is looking pretty good. I have a round idea in my head that I Want to get our Retirement up to $100k by the time we are 35. Depends on the market and other factors, but I think even if dh doesn't work until then that we can do it.

Oh anyway, my birthday is coming up and christmas. Since most of the shopping is done I Expect to save a big chunk in december - we will probably get some nice cash and I Am putting it straight in the bank. I was thinking about it in regards to the luxury thread because I Feel like we have quite a few luxuries. BUT this time of year it is like dh and I Are not even exchanging gifts - we see no need. I think having a little luxury in your life it ieasy to give up a lot of things. Oh yeah, and my friends around here think I am absolutely DEPRIVED because I don't want anything for Christmas. Is it that hard to see that I am satisfied with what I have? LOL. HAving the money to enjoy things throughout the year and hire a gardener, and have dh stay home. Those are all the luxuries I enjoy through the year and I can forego the materialism that is Christmas. I think I will survive. Wink & plus the truth is though my family is not big on gifts and my mom will probably get me something silly that I Will promptly freecycle - LOL. The truth is MIL absolutely spoils us rotten and she will get me some nice gifts that I will enjoy, and some cash. So don't feel to worried about me. Though frankly I am hoping to get gift cards or cash because I need a new suit for work. Ah, here I go being all practical...

Ah, well everyone have a great weekend. We are taking the kids on the BAy Area subway equivalent today and spending the day in the city. I hope the kids enjoy it - I am sure it will be quite an adventure for them. Hopefully I survive. I am a little nervous because we went to a playdate last night with my travel buddy for today and I guess the preschool teacher told her our 2 monkeys are quite mischevious when they are together - they can not be alone. This is the first I heard this so of course I figure we have to watch those 2 like a hawk - they do get pretty rambuctious together too. Hopefully we won't have to turn right around because they can't behave or something. LOL. We'll see. I am sure they will be fine, but you know if it's one of those days somoething is in the air, or someone is in a funk, it can spell disaster. But if it goes well, I really hope to plan more trips like this in the future just my son and I. I think he would enjoy.

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