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I think I am being too passive

July 17th, 2009 at 02:01 pm

I would like to have a savings at least 2 x the size of one I have now (not including the 401K) and have enough for more than 20% of a down payment on a house. But I think I have been too passive about it. I think it's going to take me a long time to achieve these goals by making what I am making now (which is not too bad, but I could do better), living in one of the most expensive cities, and having only control over what I spend on my grocery and "want" items. I need to think big, and while in the process of "thinking big", I need to bring in extra income. Seriously I have to do something. I will start by updating my resume this weekend, and looking at what kind of side gigs I can do. Now that I am done with grad school, I do have the time!
In other notes, I have been keeping up my running, eating healthy most of the times. Yesterday was the only day in the week that I did not bring my own lunch. So ended up buying pasta made for you for lunch. I also ate veggie pizza after my run and a small bag of chips. No wonder I gained 3 pounds between the morning and the evening! Does anybody know when is the best time to weigh yourself? I guess I could google it, but if anyone knows, please let me know.
I brought in my lunch again today. And I am going to plan out our (BF is visiting this weekend) meals for the weekend and my meals for the next week.
I plan to keep it a cheap weekend. I am going to rent some dvds from the library, although we might watch the new Harry Potter movie. Not sure though.
Well, have a good weekend everybody!

Adding up pennies and dollars

July 9th, 2009 at 03:14 am

I have been getting a little frustrated as of late. I participate in a 401K plan, I do automatic savings, I try not to go overboard in my spending. The only areas where I seem to have any control over are flexible spending like grocery, miscellaneous purchases, lunch money etc.

And guess what? I feel like it's not making much of a difference. I know every little bit adds up, but perhaps I need to think big? Think about additional income? Do freelancing? If so, how? when? what?

These are the things that are bothering me. I guess what is also bothering me is that I need to pay 2K in credit card this month. I have not been carrying this balance so I will not be paying any interest if I pay it off this month, which I plan to. I had to buy a few plane tics and I also went a little crazy with buying after-graduation-treats for myself. But I plan to replenish this amount somehow. Selling my cds and books won't make much of a dent, so I will have to think of something else. Any ideas?

In other notes, I ran 3 miles yesterday and made myself a delicious veggie and tofu sautee (3 servings).
Running makes me want to eat healthy so as not to undo all that exercise, which also helps my pocket. So maybe I will meet the goal of loosing 5 pounds in July after all. Keep your fingers crossed for me. I think the most amount of weight I could loose is about 8 pounds. I plan to achieve that and maintain it.

Okay that's about it for today. I am off to bed. Good night!

Hello World!

June 23rd, 2009 at 12:46 am

Hello everybody. Today's my first day here. I started this blog to challenge myself to save as much as I can in 6 months. Once that 6 month time period is over, I will reevaluate my situation and set up another set of goal(s) for the next 6.

Hello I am Six, and I am very happy to meet you all.