IWSG 2020 #8


July Goals
Make returns to Amazon
Send Hannah a graduation card
Watch weight. Walk more. Eat more veggies. Eat less sugar.
send returns to Free People
Finish going through clothes.

Additional Successes
• unlocked a $100 gift card (which doesn't sound terrible, but it took 5 calls)
• Sold $100 in stuff online
• Researched gender dysphoria and learned more about it
• Learned how to make my favorite salad dressing.
• Traveled across the country on a whim.
• Bought 9 bottles of wine from my favorite winery.
• Cleaned a sweater that I thought was permanently stained.
• Tried new things with my husband.
• painted stools where the paint had chipped off.
• went through doll clothes
• went through kitchen stuff and photography equipment in the basement
• installed a window ac unit in the master bedroom
• hung room darkening curtains
• lost a pound

August Goals
– Tea and relax. I'm going back to work, so I need to do some self-care.
– Continue making returns.
– Finish the master bedroom curtains
– Wash all of the bedding and towels before returning to work.
– Thoroughly dust.
– Condition the leather couch.

IWSG Question –– Have you ever written a piece that became a form, or even a genre, you hadn't planned on writing in? Or do you choose a form/genre in advance?

I'm pretty sure I choose my form/genre in advance, though I can see how it could happen that your form or genre evolves over time.

Your Turn

Even though covid-19 is still going strong, I will be returning to work at the end of the month. I'm not sure how I feel about that. I'm not sure how I feel about upping my potential for illness or losing my free time, but I am grateful for money. I am grateful for all that I have been able to accomplish over the past few months. Deep cleaning, putting items up for sale and selling a few of them. Framing pictures, "editing" my closet, trying new things, meeting new people (online). I'm grateful for all I've learned and become. I will be interested to see how things progress and change in the next few months, learning what the covid-world and post-covid-world are like.

Will August bring anything new to your life? Are you ready for back-to-school and all that fall brings? Was summer all that you hoped for or did it feel lacking this year?

However you feel, I want you to know what someone told me: you are brave. You are brave for working when covid is threatening your life. You are brave for staying home and lessening the impact covid can have on others. You are brave for sending your kids to school or keeping them home for virtual learning. You are brave for tackling the unknown or not allowing your anxiety to get the best of you.

Live that. Know that. Believe that.

You. are. brave.

And I wish you the most amazing August.

IWSG posts: #1 #2#3#4#5#6, #7

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Monthly Financial Update: July 2020


When reviewing my finances for 2018, I mentioned my desire to look at them on a monthly basis in 2019. Justin and I spent a little too much in 2018 and let our finances get the best of us. Maybe by looking at our finances monthly (and let you guys/gals keep me in check), we will do better this year.

That's the goal anyway.

Here's month #7 for 2020:

Spending:

Compared to Last Year –

green: this year, yellow: last year


Compared to Last Month –

compared to last year (green this month, yellow last month)



Where We Spent Our Money:

Top 10 Merchants:

1. Everlane (Justin clothes, many returns will be made)
2. Car insurance

3. Tire Rack (new tires, need to submit warranty)
4. Costco (groceries)
5. Lorimar Winery
6. ASOS (Mandy clothes)
7. Amazon (groceries)
8. Thunderbird Hotel
9. Alamo Rental Car
10. Electricity

Top 10 Categories:
1. Shopping
2. Auto & Transport (tires, traffic ticket)

4. Food & Dining (wine, birthday)
5. Travel (3 hotels, rental car)
6. Bills & Utilities
7. Fees & Charges
8. Gifts & Donations
9. Life Insurance
10. Car tags

Budgeting:

Gas & Fuel over
✗ Groceries – over
✗ Restaurants over
Hair Appointments - under
✗ Everything Else – over

Net Income:




Debt:

student loans

I had some issues changing a loan's information, so it looks like we owe more than we did at any other point this year, but we don't.

credit cards


How Did I Do On My Financial Goals for July?
Get patterns listed on Poshmark.
Go through more magazines (goal of 10?)
Compare car insurance quotes.
✓- Roll quarters and take them to the bank.
Make Macy's returns.

Numbers:
* Loan Payoff Date 8/1/24
* Credit Card Payoff Date 8/1/21
* Emergency Funds: $13,032
• 401K $53,359.99
• Credit Scores: 771 (Justin), 756, 754 (me): down for both of us

Overview of the Biggest Impacts This Month:
1. Car insurance
2. Travel across country (gas, rental car, hotels, wine, food)
3. Retail therapy: clothes purchases for both Justin & myself
4. New tires
5. Returns. Recognizing that clothes don't work and getting money back!

What went wrong this month?
1. Car insurance
2. Tires needing replacement; not submitting warranty info yet.
3. Not seeing returns posted as quickly as I'd like.
4. Retail therapy -- buying unneeded clothing.
5. Realizing some items I was hoping to sell online weren't in decent enough condition to be sold.

What went right this month?
1. Selling items - $100 worth of stuff
2. Finding out I still have a job!
3. Getting stains out of clothes I thought I might have to replace!
4. Spending less driving across the country than we would have flying.
5. Having $40 in quarters!

Financial plans/goals for May
1. Pay Knights of Columbus dues.
2. Submit tire warranty info
3. Decide on returns.
4. Continue listing things for sale online (maybe 5?)
5. Adjust budget based on work schedule.

Only a few weeks before kids go back to school; are you ready? Does the start of a new school year affect your finances? 

Financial Resolution Goals 2020


Financial Resolution Goals 2019