Month: September 2017

Budget check-in

by Ariana Peters, posted in healthy lifestyle

Starting checking balance: $220.17

Balance on credit card

1: close to paying off. 3 more payments

2: $200 over limit

3: at limit

Sunday

-40.00 from checking account for Groupon purchase (impulse buy, I have wanted to try an escape room for awhile now and decided to buy a Groupon for the bf and I now while I still have a few pennies to spare because once the apt happens and when I get back from the trip I have no extra pennies so I impulsively bought it now) IT is good for 120 days so I think it will be good in like 3 months to pull out of my back pocket when we are both sick of not having money to do anything.

Ending checking balance: $180.17

Balance on credit card

1: Same as starting

2: same as starting

3: same as starting

Monday

Starting checking balance: $180.17

Balance on credit card

1: close to paying off. 3 more payments

2: $200 over limit

3: at limit

-5.00 from checking for trimet ticket (this is how I get to work 3 days out of the week)

-6.50 from checking for plastic forks and study candy (I needed the forks because like a total blonde I forgot a fork for my dinner, I do this about once a month so it was probably a good investment to keep in my backpack. No good explanation for the candy)

Ending checking balance: $168.67

Balance on credit card

1: Same as starting

2: same as starting

3: same as starting

 

The Groupon purchase was impulsive, hopefully I wont regret that $40 loss before I get paid again and hopfully we will super enjoy it when the time comes and the $6.50 was unfortunate but at least half necessary.

 

Monday Motivation**September 4, 2017

by Ariana Peters, posted in food, healthy lifestyle, school/studying, training

 

(Image from Google)

Goodbye August and Hello September!!

Wow August flew by. 

School: My final ‘opens’ online today and closes on the 6th so lots of studying going on over here. This basically means I can take my final anytime in the next 2 days. It is online, 100 cumulative questions and I have 82 minutes to complete it. Whatever I have done will submit after 82 minutes. After that I am done for a few months! I will think of it as winter vacation hahahahaha.

Food and Fitness: In the next 2 weeks I am trying to get as much food bought, made, frozen and prepped as possible. When I get back from the cruise my budget will be even more restricted. I will by trying to save a bit to go toward my expensive CNA class come January, my BF and I are trying to find a place to move into together which will also cost money and of course I need to continue to work on paying my roommate back as she paid upfront for 95% of my Europe costs so I owe her about 2 grand still. Oh the joys of being poor. But overall in my life I can’t complain too much, my life could be so much worse, so I choose to not stress about my debt and instead slowly chip away at it.

As far as workouts go, if I get a workout in before I finish my final, great, but I am not banking on it so my goal this week is 3-4 workouts.

10 days and counting to europe!!!!!

Let’s see where I can pinch some pennies

by Ariana Peters, posted in healthy lifestyle

I have on many occasions talked about being broke and my debt, and I fully acknowledge that I need to save money yet somehow in the moment it feels ok to drive through somewhere or buy things to make a meal because it sounds good or I am craving it or I really want to watch the next episode of a TV show so I purchase it for $2 on amazon…what is $2 right? The problem is that $2 turns into $6 without me even really thinking about it or truly comprehending in the moment that I just basically bought a Frappuccino from Starbucks.

A few months ago I added up all the misc food spending I did and since then I have been doing a lot better about impromptu grocery runs and fast food runs which has totally helped my budget and my waistline hahaha.

I think it is time to take it a step further and break down everything I spend so I really get a feel for my spending. I think I have said that I grew up in a pretty instant gratification household with a dad (who I love and miss everyday and was an amazing dad but like all humans had his flaws) taught his kids through example that if you want something, throw down some plastic and get it. We all have champagne tastes on a beer budget. Even when we make more money we somehow manage to spend more money.

Anyways:

I am going to use this blog to keep me honest as in I am going to be brutally honest about my finances. From Saturday to Saturday I am going to break down every time any money leaves my pocket/checking account/credit card/etc. And see if it is something I really need or an impulse buy or what. Ready?

Saturday:

Starting checking balance: $500.68

Balance on credit cards

1: so close to paying it off!!! 3 more months!

2: $200 over limit (thankfully they don’t charge a fee)

3: (at limit)

-230.00 from checking account for car payment (yay paying a bill!!! and paying $2 more than is actually owed per month to knock 1 entire month’s payment off at the end)

-4.50 from checking for pajamas from Amazon (not needed, pleasure buy)

-6.19 from checking account for lunch from Subway (not needed, I didn’t make extra biscuits yesterday for my lunch today because I was lazy, so money expended because I didn’t prep fully)

-7.99 from checking for Netflix.com (in theory this should be good because I did it so that when my bf and I get an apt we wont be tempted to pay for cable, and we will go out to the movies less, but it is not a necessity and we haven’t moved yet)

-21.53 from checking for groceries from Grocery Outlet (yay for getting everything I can at the cheap place first)

-10.30 from checking for groceries from Wal-Mart (2 impulse buys here, 4 corn for $1 and Carmel M&Ms, I am not ashamed of the corn buy lol)

My 2 grocery shopping trips went well, for about $30 I made 10 meals last night and have 2 ears of corn left to snack on as well as 2/3 of a rotisserie chicken to put in salads this week and much on. I also have 12 top ramen hahahahahaha. So all in all I can probably weasel about 25 meals out of that $30. Not too shabby.

Ending checking balance: $220.17

Balance on credit card

1: Same as starting

2: same as starting

3: same as starting

 

Unnecessary money spent $20.02!!!!!!!!!!! A few small things I didn’t think mattered in the moment turned into me basically throwing away a $20 bill.

I will check back in on Tuesday to see how Sunday and Monday went.

School Catch-up

by Ariana Peters, posted in school/studying, travel

How is school going this quarter…..ehh. My class ends in 4 days, I currently have an A so I am doing something right but by no means did I perform to the best of my ability. I did great at the beginning of the quarter, I set time aside to study and did my vocab, read the book chapters and worked through the workbook and looked at the online lessons. As the quarter progressed I started just doing the vocab, which did enough that I have an A in the class but currently there is a significant chance it will drop to a B after the final which is 40% of my grade.

Monday evening and all of Tuesday will be reviewing and cramming so I don’t bomb the final which is comprehensive.

I think several things contributed to me slacking off at the end here:

  1. Taking the class online makes it easy to slack, I don’t need to answer a teachers questions or contribute to any in class discussions.
  2. At work I was either studying or had it up in the background while I was taking a break from the vocab and reading a book online, which meant that for almost 40 hours a week I was doing superficial easy studying of medical terminology (which seems like it would be great but I am at work so I can’t really focus which means this wasn’t very deep studying) and because I was ‘studying’ it so much I had no desire to even look at or think about medical terminology outside of work. I did a little studying on my phone here and there but that quickly ceased.
  3. I watch WAY too much TV outside of work, this has always been a problem for me, I become so unproductive when I turn the TV on, and once I turn it on, it tends to stay turned on. As my work load becomes more intense this will HAVE to change.
  4. All lumped into one: time management, space, organization
    1. I need to create a study space, someplace I go or set up that says it’s study time. I used to have a whole setup when I first went to school. I still have everything I need but haven’t created the space. Or of course I would camp out on campus in the library between classes or between class and work and I haven’t gotten back to giving myself that option yet.
  5. Headspace-I don’t think I have completely readjusted to being a student, I am still seeing work as the largest commitment in my life and I need to shift that thinking and focus to school.

 

I will not be taking any classes during the fall semester/quarter due to the cruise. I am going to go enjoy the cruise and enjoy this as my last big adventure for a little while because live is going to severely change. When I get back I need to get all my vaccines up to date, and take the American Red Cross’ Basic live saving CPR class then apply for a CNA class. My boyfriend and I are also working on moving in together. I will start the CNA class in January (baring any problems) which is a 7 credit class and will take a lot of time. After that it is the nursing program which will take more time. So I have 4.5 miles to get my sh*t completely together. I will keep you posted!

 

2 weeks to Europe!!

by Ariana Peters, posted in healthy lifestyle, travel

 

Only 2 weeks to go!!! Are you ready?

Have you stocked up on necessary food to accommodate your diet or taken that into account when planning meals?

Have you started looking for your toiletries in travel size and getting things together?

Has your itinerary been honed down to a point that you feel comfortable with?

Do you have a plan in case of an emergency? Do your loved ones know how you will attempt to contact them in an emergency?

How will you document your trip? Cell phone camera, digital camera, film? Do you have everything you need for that?

Have you thought about electrical outlet adaptors? Chargers?
My currency arrived yesterday!!!

This is what 40 American dollars gets you in Croatian Kuna….i’m excited to see how far this gets me hahahaha