March Goals - better late than never

I'm late to the party, but really need to get some March goals together (and, recap February, but who's counting? ;-)).

Here we go! In case you want to see the big picture, my 2014 goals can be found here.

1. Lose 4 pounds, bringing my weight to 146.
2. Complete 1,000 minutes of cardio
3. Complete 10 strength workouts
4. Complete 10 stretching workouts.
5. Register for a half marathon.
6. Run 20 miles.
7. Have one date night with M.
8. Plan one social activity with a friend.
9. Review all legal documents (wills, etc) & get notarized.
10. Finish taxes.
11. Complete Feb financial & goal summary.
12. Figure out April vacation with M.

I think that will do it!

How about you? What are your March goals?

I just did yoga with Nick (he's six, & is crazy flexible -jealous!), and I'm planning to squeeze in a quick run around all of my other weekend fun. The weather is supposed to be beautiful, so looking forward to a run in the sunshine. In other good news, my doctor increased my dosage of lupus medicine, & it seems to be working! I'm feeling much better.

Is it March yet?

Wow - how the time is whizzing by, in a haze over the past few months.

So very happy that February is over! The last day of the month went out with a bang - I had to go to the doctor to discuss some complications with my health, someone hit my car on the way home from the doctor's visit, & then drove off after he motioned that we should both pull over. No one was hurt, luckily. I picked up the other car so that M could repair the minor damage, and got a huge screw in my tire.

We also have a hole in our roof (rental house, not ours, thank goodness), which means we've had people in & out trying to get things dry, and repair the roof. A giant tarp is currently attached to our roof, but blew off last night during a storm.

Ahhhhhh, yes. Life is very complicated sometimes, isn't it? :-)

On the agenda for today:

1. Yoga
2. A walk, rain or shine. I'm a Washington girl - I can handle it!
3. Take the boys to see the Legos movie, as promised
4. Bake cookies.
5. Run a few errands (produce stand, Rite Aid)
6. Set March goals
7. Review Feb goals
8. Build a menu for the week
9. Update our budget
10. Do the laundry
11. Help the kiddos with a couple of homework projects

That should do the trick! What's on your to do list for today? It's very stormy here, so it will mostly be an inside day - perfect for getting things done around the house.

Still here. Still overwhelmed.

TGIT! :-) Closing in on the weekend, at last.

I had a fabulous trip to visit my family last weekend (I took the boys to Portland, and we had a big family celebration for their birthdays).

Work is still exhausting, I'm still working too much, and we're evaluating all of our future options. At this point, my goal is to stay in my job until January 30th of next year. I don't know if I will make it that far. I have to stay in role for one year in order to not have to pay back my sign on bonus, and earn my first round of stock options. I will qualify for a bonus if I stay until January 30th. I keep telling myself, it's less than a year away. If I can hold out that long, it will give me more flexibility in the future, as I look at part-time options.

In terms of goals & spending & such - - I haven't been on top of the budget. At all. We spent a ton on the weekend in Portland. I need to use the weekend ahead to get back together with my long lost friend, the budget ;-) Oh, and my menu.

I hope you are all well, staying on track, and knocking those goals out of the park!!

2014 is 10% over - Goal check

Can you believe it? It's true. 2014 is officially 10% over. How are you doing with your yearly goals? Are you 10% of the way there yet? I love checking in, ticking things off, and refocusing my energy on things that aren't on track.

Here are my 2014 goals, with a status check:

1. Lose 10 pounds, bringing my weight to 135. I've really struggled to lose at my current weight & activity level, so I need to spend some time considering what's necessary to drop these last (very stubborn) 10 pounds. After my doctor's appointment & prescription complication, this goal is more important than ever. Time to focus.- I am not on track & have to really buckle down to achieve this. 
2. Continue tracking my food and exercise every day in My Fitness Pal. This has been tremendously helpful. - On track! 
3. Improve my fitness by doing the following:

1. Complete 11,000 minutes of cardio. - I'm currently at 1,015, so just off of my target. 
2. Complete 100 strength workouts. - On track! 12% of the way there. 
3. Complete 75 stretching workouts. - Just at 10%, so on track!

      4. Choose a half marathon to train for, and complete it! Sometime this spring. - Not yet. Finding the race is a goal for February. 

      5. Have one date night per month with M. - On track! 1 for 12. :-) 

      6. Plan one social/friend activity per month - On track! 1 for 12. :-) 

      7. Finalize will/guardianship. - Half way done! I've ordered all of the paperwork. They just need to be signed & finalized. 

      8. Save $50,000 towards a downpayment for a house in California. - We've saved $1,000, so not on track. 

      9. Put $5,000 in boys college accounts. - We haven't saved anything, but hope to save $500 in February. 

      10. Pay $30,000 towards our mortgage principal(s). - We are on track! We've paid just over 10% of our yearly total

      11. Figure out a plan for vacation house. - Yes! It's listed and we've made all needed repairs. 

      12. Track our all of our spending, stick to our budget, and create monthly spending reports.- On track!

      13. Plan an adult only vacation with M! - Yes! This is happening in April. Can't wait.

      14. Likely most importantly, figure out the work/life balance, even if it means finding a new job. Money isn't worth the current schedule. - Somewhat on track. There are short term and longer term plans in the works. Not ready to roll them out (as we are still working through some big challenges, but they are on our radar.)

With the year 10% over, how are you doing on your 2014 goals? Anything going well, or needing improvement? 

January Financial Recap - where did all the money go?

Each month, I attempt to recap how we spent our money, and categories where we were over or under.

Here are the highlights (& lowlights from January):

Income (note that this doesn't include retirement, charitable donations, or healthcare, all of which is deducted automatically before we ever see the money):
Standard pay - $21,700
Bonus pay - $8,400
Total income for January = $30,100

Highlights:
We were at or below spending targets in the following categories:

• Boys (general bucket category) 
• Boys clothes
• Boys college
• Boys lessons
• Childcare (saved cash in December to pay for January's date night)
• Cleaning (the cleaner was on vacation, so we cleaned & saved $180)
• Gas
• Gifts
• Health
• Insurance
• My clothes
• Rent
• Liquor
• Vacation mortgage
• M's clothes
• Personal
• Seattle house utilities

Lowlights:

Areas where we were over our spending:

• Boys birthdays. Over by $7. Bought both boys a present (an organizer for their Rainbow Loom bands, which have taken over my house.) :-)
• Car - over by $967. :-( Major repair needed on my car, which is 9 years old.
• Dining out - over by $204, mostly due to my work trip. I had no idea I would have to pay for my own meals. Groan.
• Dry cleaning - over by $19. We've primarily switched to Dryel, and had to restock our supply.
• Entertainment - over by $90. We added this category for 2014, and ended up going on a day trip to Monterey. We'll balance this out by not doing anything similar in February.
• Groceries - over by $15. So close!
• House - over by $120. These were for our legal documents. Doesn't really belong in this category, but this is my "placeholder" category. ;-)
• San Francisco utilities - over by $109. The insulation in this house sucks big time, and the windows don't even seal. On "cold" nights, the heat runs forever.
• Vacation house utilities - over by $400. We have a yearly pay for a handyman/watch service that checks on our property weekly. Critical since we're not in the area.
• Toiletries - over by $56. We were out of everything. Hopefully we're stocked up & can lower this substantially in the next few months.
• Travel - over by $170. I purchased my mom's ticket to fly out and watch the boys in April.
• Seattle house mortgage - over by $17,748. Not really. ;-) We transferred $15,000 from savings to our HELOC, to reduce our interest. Our December payment also cleared in January, so two payments cleared during the same month. 

In total, we spent $20,662 (removing the $15,000 transfer, as that's mostly just shuffling money around). Our planned expenses were $19,098, so we were over by $1,600. We average out all of our yearly totals, so there are some totals that don't make sense on a monthly scale. In general, the only anomaly that concerns me for our yearly budget is the car expense of $1167. That will definitely put a dent in our yearly budget. 

How did you do with your January spending? Are you on track? If not, how will you adjust your spending to get back on track? 

January Goals - How did I do?

I was very ambitious with my January goals this month. ;-) Karma slapped me down for this and reminded me that things come up, and staying the course is sometimes the only option!

Here are my goals, and assessment of how I did:

1. Lose 2 lbs. - I was off to a great start, and actually lost 2.5 pounds. Then, things fell apart & I'm down to a loss of only .5 lb. 
2. Track my calories every day in MyFitnessPal. - Yes! I had a way too high calorie average of 1643 in January. My goal is 1500. 
3. Complete 1,000 minutes of cardio.- I came very close, at 970. 
4. Complete 10 strength workouts. - Yes! I did 12. 
5. Complete 8 stretching workouts. - So close! I did 7. 
6. Find a half marathon for the spring, and start the training plan. - Nope. I'm not read to start a training plan, and committed to not spend money on my health (race registration category) in January, so my goals weren't very well thought out. ;-) 
7. Have one date night with M. - Yes, and it was great! 
8. Plan/do one social activity with friends. - Yes! I had lunch with a friend, went to a speaker event with another friend, and went to a girls night activity. 
9. Save $1,000 towards our California house down payment fund. - We actually diverted this money to paying down our HELOC on our Seattle house, as we can take the money out at any time, and the interest rate just went up. The money did go somewhere productive, so I'll take it. :-) 
10. Save $500 in boys college fund. - No. we had an unexpected car repair bill, and had to divert the planned money. 
11. Pay $3,000 towards our mortgage(s). We blew this one out of the water! We did actually achieve the goal with $3,807, and then also decided to funnel our cash of $15,000 to our HELOC. THe interest rate is higher than we'd like, and we can take the money out when we need it (at tax time, for example).
12. Talk to my parents about potentially watching the boys for a 2014 vacation. - Yes! Done & booked. 
13. Work is very, very crazy & the schedule is not something I can handle long term with my health situation. I'm currently working 60+ hours during the week, & I'm on call every day. Every holiday. Every weekend Everything. It's way too much. I need to start figuring out a plan. - Well, there's a short term and longer term plan in motion here. I've been very clear with my boss that I cannot stay long-term (or, even mid term) in these circumstance without appropriate staffing. This is a multi billion dollar business, so it's just really ridiculous where we're at. I've been clear about that. M & I are also very strongly considering our next steps, and if we want to be two-income dependent in the future. 

All told, it was a heck of a stressful month, and I survived, with pretty good results. :-) On to February!!!!! How did you do in January? Did you meet your goals? 

Menu Plan Monday

It's that time of the week again. As my schedule gets busier, it's more important than ever to meal plan, inventory the freezer, and stay on track.

I'm embarrassed to confess that I had a really terrible shopping trip on Saturday. Normally, I follow all of the frugal "rules", and check my stores before I shop. Yeah, sadly not this week. I didn't do the majority of the cooking, due to late work nights, and made assumptions without checking my outside fridge (we have two). Oh my. I wasted a good $18-$20. I'll try to double up our consumption on some of those items, but there's only so much lettuce you can eat, or milk the boys can drink. ;-) It was a great reminder that being organized still needs to be top of mind. Sometimes, I take for granted that I'm all over what I need to do to be frugal, and then I do something like this.

• Sunday - Lubia polo (for reals, this time. I've bumped it so many times!)
• Monday - Leftover meatloaf & mashed potatoes
• Tuesday - Tacos & homemade guacamole
• Wednesday - leftover lubia polo
• Thursday - Pasta with red pepper sauce (adults only on the sauce) + grilled chicken (freezer)
• Friday - Leftover tacos
• Saturday - Homemade pizza
• Sunday - Oven baked chicken risotto with chicken, butternut squash, and goat cheese.

What about you? What's on your menu for the week? What frugal tips do you use when you shop & plan your menus?