Resolution Check In: January Update

I hope you´ve all had a good week!  I had a bit of a rough week.  Well, I take that back.  I had a very rough Wednesday and that kind of taints my perception of the week.  But upon closer inspection, I can happily report, it was a good week (with the exception of Wednesday–I was very sick and feeling beyond gross).

You all were so kind in your comments on my last post.  I guess I didn´t realize how lonely I had been feeling until it all came out there.  Thanks for your kindness and words of encouragement.

On a personal note, this week I´ve made progress in feeling more comfortable spending time with C and M and my nephews and not feel like I was barging in too much on their family time.  I´m still working on finding a balance there. If it were up to me, I would be holding them and playing with them 24/7. I love these kids. But I don’t want to interfere, and I’ve been kind of sick and so I keep my distance. I just feel like it’s an honor and a privilege to be a witness to so much intimate sweetness. I love these boys and I´m so grateful to have this time with them.  I know I´ll always treasure these months fondly.

At work, 10% of non-customer-facing positions were eliminated on Thursday.  That means a lot of good, hard working people got laid off.  This was hard news to hear.  First, I was a little shocked my position wasn´t affected, since my position is pretty new.  Secondly, I was sad for the well-tenured people whose positions just suddenly no longer exist.  Third, I was grateful to work for a big company, who–despite laying people off–provides them very cushy severance packages, and allows them to be first choice for any other open positions.

And that´s it.  We´re a whole month in to 2015, and at times I feel like it´s gone by really quickly, while simultaneously feeling like I´ve been here forever.  Enough with the cliches.  I´m here today to check in with my 2015 resolutions.

  • Portuguese – Michael has the Rosetta Stone on his computer and hasn´t given it to me yet.  I could be doing this daily, but I´m not.
  • Baking blog –  I love my baking blog, but seeing as how I´m kind of homeless I don´t feel comfortable using C and M´s kitchen for cooking or fridge/pantry for storing things, I really haven´t cooked at all.  I miss it, a lot actually.  I went home last weekend and Michael and I ordered Chinese food and pizza.  I could have cooked, but I didn´t.  I was tired.
  • Increase savings – I´ve bumped my emergency savings up from 5% to 10% this month and it feels great!
  • Charity – I´m donating 1% of my income to some needy kids I personally know.
  • Car – I still haven´t learned anything, but I´m grateful Michael´s stepdad knows so much.  His power steering went out last week–just randomly! while driving!–and his stepdad fixed it right away.
  • Free concerts – This is only my second weekend here and I don´t really have it together yet.  I did look up stuff and put it in my calendar, so I´m getting there.
  • Tracking net worth – If you recall, I realized this was a fiasco early in the month, and have decided to track debt and savings instead (see below).
  • Improve credit score – This is kind of cheating, kind of not, but I checked my credit report and realized there was something on there that was wrong, and so I contacted TransUnion, and they fixed it and my score went up like, 20 points.  Like magic!
  • Good routine – I´ve been to the gym after work every day since I got here (except Wed and Thurs of this week, sick, see above) and am happy to report I´ve lost 8 lbs in about 2 weeks.  I´m totally motivated to keep it up!

And so, without further ado, here is my progress report for January:

BALANCE  CHANGE DEBT
$1,278.55 +$135.58 gas card
$0.00 -$297.54 CC1
$118.49 -$67.00 mom´s CC
$2,950.99 +$38.19 CC2
$426.69 -$13.19 checking overages
$5,066.58 -$125.76 CC3
$7,403.86 -$79.87 CC4
$8,090.58 -$542.59 car
$5,250.00 $0.00 unsub2
$9,909.57 -$248.02 401k 1
$6,619.69 -$540.08 401k 2
$3,500.00 $0.00 sub
$6,000.00 $0.00 unsub1
$2,286.03 -$170.00 IRS
$58,901.03 -$1,910.28  TOTAL

SAVINGS CHANGE
$36,236.56 +$2,531.30 401k
$190.20 -$302.98 emergency savings
$36,426.76 $2,228.32 TOTAL

So I must say this has been a really eye-opening exercise for me.  Not only did I reduce my debt by $1910, I also added $2228 to my total savings pool.  If I hadn´t looked at the numbers I would have told you, “I don´t know.  It was an okay month,” but this puts real numbers on my progress, and gives me a bar to strive to surpass for next month.  Not to mention, I also saved for and paid for my husband´s tuition this month.  I guess I´m doing alright after all.  🙂

How are you?  Any big Super Bowl plans?  I´m going by Michael´s cousin´s house.  They´re having friends over and her husband is smoking ribs.  I can´t wait.  🙂

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12 thoughts on “Resolution Check In: January Update

  1. Congrats on the debt payoff and 8 lbs! Sorry you were sick! 😦 Lots of people seem to have gone through the same things lately. No big SB plans as of yet. I know of a party but I haven’t gotten an invitation yet. Maybe it’s a good thing…less bad food and drinking, and I could get some stuff done around the house. 🙂

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    • Thanks! I’m feeling way better now 🙂 I ended up going to the SB party. Can’t turn down free food/fun! Although I did bring a fruit tray–the healthiest thing at the party. Haha

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    • Thanks! If you care to know, don’t be afraid of the scale! Check in with it once in a while. Just to have a frame of reference. Just don’t go too far in the other direction, I’m kind of hooked on stepping on the scale every day which is NOT good. Haha.

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  2. Fantastic post. I’ve told myself I’m going to work on my abs in 2015 and I’ve done nothing….but on a business front I’m WAY ahead of where I thought I’d be this year. If I could have both, that’d be fantastic.

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  3. You’re doing great, Chela. Your financial numbers were awesome and an 8 pound weight loss is great! Keep up the good work.

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