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Savings Plan

November 29th, 2006 at 07:17 am

Well, first things first. I got some more ideas for my wish list. Slippers and books. I saw fleece slippers (like $2.97) in the mail ads and thought that would be a good gift for the wish list. I have some super warm socks which when I wear, I can survive with the heat at 60 or something vs. the usual 68. They are amazing. So I saw these fleece slippers and thought - aha. I Will put some fancier/good quality variety on my wish list. Any suggestions on super warm slippers?

Then dh mentioned books - I think that is a great idea. I am a book fiend and that is something easy to shop for, hard to get wrong, etc. If they like DVDs and games and all that, books should be in the same realm. Well, you would think anyway. We'll see how it goes. SO help me if my book choices are criticized - hehe...

My friend wants to meet at IHOP tomorrow and I am not so keen on it. But then again my birthday is friday I wonder if she will buy me lunch. Wink Who knows. Will probably go for it.

Oh yeah - bunco tomorrow too. Send me some monkey karma, eh? (yes I Said monkey karma) LOL. I want to win big - there is a pot that is over $100 - send me vibes for that one! LOL. Funny thing is we are having THanksgiving dinner - someone actually made a turkey. Um yeah, sounded like a good idea last month. I have the feeling the last thing anyone will want is turkey and all the stuff that has been in our leftovers all week. We'll see how it goes. I made fudge today for it. Took 5 minutes and was a cheap recipe. Dh had to buy some powdered sugar but that's about it. I will pretend I slaved over it - hehe. The stuff is so good too - usually only make it at christmas orelse I Would be 300 pounds. Butter, sugar, chocolate, and more butter.... My 3-year-old helped me and said we should make it every night. Ah, I wish...

My mom visited today and gave me $100 for my birthday. I need some work clothes - a suit or 2 - some nice shoes - for tax season. This will help a lot. A nice gift!

Oh anyway, the craziness of it all kept me wide awake through the tax update - I could write blogs and blogs about how crazy tax code is - but after about 6 hours today I started to zone out. I Was driving myself nuts thinking different scenarios in my head. Started thinking about my savings goals for 2007. Along the same lines as BA - what is more important - retirement, mortgage, savings, I Don't know. I think I can save $10k in 2007 and that is still my lofty goal - I thought about it in 1 million different scenarios today. I am probably being WAY too optimistic. I know I am losing $3k in car payments and losing any hope of a tax refund this year - even the measly $1k state refund I always receive. Not measly really, but I am a breakeven person. California is just impossible. Federal I can usually do pretty good but with this whole ROTH conversion I ain't getting any money back - I just hope I don't owe anything - for now it is close.

I Also decided the $8k or so in overtime and gifts I usually get is the perfect retirement funding for us. In past years it has been floating us with our overspending. With our latest round of budgets (which has been going quite well) and at least $100/month raise I Assume next year, we can do it! Save a little, not rely on the windfalls, the windfalls can fund retirement - woohoo. I have just had no idea where that retirement funding would come from, so it is a nice revelation. For next year all that will go to e-fund, but one it hits $15k I think I will relax and will be willing to invest all that extra. It will feel good. In the meantime I just have impatience with how slow going it all is. I just got to slow down and relax and have faith things will work out.

Well, I Was bummed to see so many blog posts today. It's awesome but I barely had time to glance at a few. I See less and less time in my future too - bummer. But I am glad to see so many active blogs - just bummed there are not enough hours in the day.

3 Responses to “Savings Plan”

  1. Ima saver Says:

    That is the way I feel. I want to read them all and I check all day long, but still get behind because I am not ever on the computer in the evening. I spend evenings with my dh always!

  2. janH Says:

    I always have a book on my list. Sadly, the kids just roll their eyes and never get me the book. Sigh.

  3. LdyFaile Says:

    I know what you mean about the blogs, I don't think I'll catch up any time soon seeing as how I'm not checking often at work and even less often at home. But I have them all in an RSS reader so when I do have time, I just pop over there and try to catch up. Since I'll be gone from the computer all weekend it'll be mid-December before I'm caught up but oh well.

    Yay for thinking up more items for the wish list!

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