WEEK 20!

Anyone else trying REALLY hard not to turn on the A/C? We had to cave this week.

General Health

Down 1.8 this week! WHAAAT? WW is WORKING!

I’m really pumped at how well Weight Watchers is working again. I found a really good group and we’re getting into the summer where fruits and veggies are everywhere!

GYM July 2016 – June 2017: 86(as of 5/15) /120 

Be Creative
You may have noticed my cover picture today….I was gifted all of these knitting needles and some stash yarn from a friend who got them from a friend. I LOVE ACCEPTING OTHER PEOPLE’S CRAFT STUFF! I have a pretty good stash started and I haven’t spent any money on it! I finished the scarf and am excited!! After a few attempts at trying to start a hat and the legwarmers….I think I need more help!

Financial Goals

Pay Down Some Mortgage
I threw $50 on that bitch this week.

Frugal AF
I biked to and from work most days last week thus saving myself $14.40 in SEPTA bus fares.

Mortgage: $778.65/$1,000

Professional Goals

Continuing Education Credits for Health License
I breezed through some chapters at work this week but still have a ways to go.

Learning About Annuities
We did another training on Friday!  Woo!

Blog Goals

A new perspective on bloggery
I read an interesting thread on Reddit this week asking how much time people devote to side-hustles. A lot of people said “Zero” and spend the time one would use on side hustles to enrich their full-time careers instead. I think there’s something to be said about that.

Weekly Updates
20 down and I kind of can’t believe it! 32 weeks to go. 1 more week until VACATION.

Week 17 and it’s gonna be….

justin-timberlake-90s
Courtesy of 90’s 411

Sorry…as a product of the 90’s I can’t NOT make this joke.

General Health

Man…when I’m down, I am DOWN. Week 17’s WW mantra was to be kind to yourself and treat yourself as you would a friend on the same journey. I’m hard on myself. I am mad when I don’t accomplish my goals and even more mad when it’s because I am getting in my own way.

I DONATED BLOOD ON WEDNESDAY. So I’ve stayed on track with that side goal holla. I always feel better doing things that are for the greater good even though I hate needles. I was stabbed a total of 6 times last week between birth control, allergy shots, and blood donation.

My diet was a battle as we managed to get 4 boxes of Insomnia Cookies for Administrative Professionals Day (aka my bosses like me more than your bosses like you day) and I have very little control around baked goods. I also ate a LOT of barbecue so I bet weigh in is going to be rough.

Handling this new StepBet well still. 2 weeks down, 4 more to go!

GYM July 2016 – June 2017: 82(as of 4/28) /120 

Well…..at this point I would have to go to the gym every day between now and July 1 so I think I may have to shift this from July 2016 – August 2017 :( I’m going to keep going and keep trucking to do the best I can but it’s not looking great.

Be Creative
I’ve been knitting AND journaling again. I always get to work early so I’ve just been jotting a few lines down before work hubbub starts. It feels good to try.

I’m still reading “The Subtle Art of Not Giving a Fuck” by Mark Manson and loving it.

I’ve also taken to listening to podcasts instead of music at work and I’m finding it helpful. Personal finance, comedy, and personal growth seem to be my podcast genres.

Financial Goals

Pay Down Some Mortgage
I threw $61.40 in there just to get myself up to an even $700 by the end of April.

Frugal AF
Man, I’m just trying. I slip up here and there on food but at least they’re small. I need to find new breakfast options as I am starting to loathe oatmeal (again) and have fallen prey to the breakfast buffet downstairs because bacon. My budget gets blown one bacon at a time.

I’ve been listening to some personal finance podcasts and find them helpful:

Bad with Money with Gaby Dunn

Radical Personal Finance with Joshua Sheats

Mortgage: $700/$1,000

$300 by the end of June? I hope I can make that work in 2 months!!

Professional Goals

Continuing Education Credits for Health License
I have one more free training with our insurance company and I have not been doing my license stuff. I told you when I’m down I’m DOWN

Learning About Annuities
We’re not getting far with these and it’s a little annoying.

Blog Goals

What Do You Like About This?
Got any feedback? Is there a particular thing you like about my weekly updates? Are they motivating or whiny? Lemme know

Weekly Updates
Doin’ the damn thing.

WEEK 15 – HAPPY SPRING,YA’LL

6am. Monday morning. Trying desperately to get back on the gym game.

General Health

I was only down .2 this week but that’s still better than a gain and probably most certainly has nothing to do with the amount of pizza I ate. I’m not excited about weigh-in tonight because I was not good…including one day that I ate 100 points! Yikes!

I’m not gonna lie – I’m having a REALLY hard time getting back into the groove of my 6am workouts and normal life.

GYM July 2016 – June 2017: 78(as of 4/11) /120 

Be Creative
I did a lot of knitting when I went to my dad’s in Delaware this weekend.

Financial Goals

Pay Down Some Mortgage
I did not work toward this goal this week. I’ve been doing well but this week was a rough one financially so that didn’t happen and here’s why:

Frugal Fail of the Week
I went for my allergy shot on Wednesday and tried to stop by a new local coffee shop to try them on the way…..they were cash only. I don’t carry cash. So I figure I’ll just go to Starbucks instead along the way. I’m out of money on the app so I have to reload….and the reload minimum is $25. I go stand in the first Starbucks and a barista looks in the eye but does not acknowledge me and keeps holding a conversation with another barista. I count to 30 and walk out because I HATE THAT SHIT. I try to go to the other Starbucks closer to my doctor and they are closed because they can’t make coffee.

I get to work and sitting on my desk is a coupon for free coffee and pastry from Au Bon Pain. What a freaking waste of $25. SHAME.

Mortgage: $638.60/$1,000

Professional Goals

Continuing Education Credits for Health License
This thing called “tax season” should finally be behind me for the year and I can get a little breathing room to do this.

Learning About Annuities
Still waiting for that next session to come around

Blog Goals

A Comment! 
Shout out to David Carlson from Young Adult Money for taking the time to read last week’s post and comment! I read a lot of YAM and his comment reminded me that I need to be better about commenting [thoughtfully] on the blogs that I read more often.

Weekly Updates
I’ve noticed that I’ve been getting bad again about actually updating each section of this update. Stop it, me! You’re better than that!

And with this I pose a random question to you:
Have you ever had someone help you with your cover letter, resume, or job hunt? Was it free help or paid? Tell me about it please!

WEEK 12 IN THE BOOKS

General Health

Here’s how I’m doing with March FitCamp!  :

  1. Respect nutrition –I rejoined Weight Watchers this week and have been trying to get used to the new SmartPoints system as it’s different than the PointsPlus I did last time.  The meal on the left is 10 SmartPoints…and I only get 30 per day.  Luckily, the FitPoints are a lot easier to obtain so I’m able to eat almost double my points thanks to WW sycing with my FitBit!
  2. Do one legitimate straight-leg pushup – I’m noticing that the first 3 on-knee pushups suck a lot less when I do pushups but I’m still not very good.
  3. Beat last month’s 13 days at the gym –BOOM! I was at 15 as of 3/24

GYM July 2016 – June 2017: 65(as of 3/21) /120 

 

Be Creative
I learned how to frog and am back on track with my scarf!  I also now have all the yarn I will need for my next project thanks to someone offloading a bunch from KnitPicks for $8

I picked up Thank You for Being Late: An Optimist’s Guide To Thriving In The Age of Accelerations at the library and I think it will come in handy for blogging!

Financial Goals

Pay Down Some Mortgage
I was only able to put another $25 in this week but I still put it in!  Telling you all about my weekly progress on this is keeping me motivated to suck it up and throw the money in.

Frugal as Fuck
I feel like every day is a struggle not to spend!  I put $149.95 down on Weight Watchers this week but it will eventually be reimbursed by my health insurance which is a win!

I spent $33 on WW-friendly foods at Aldi and have a good pack of fruits and veggies for work tomorrow!

Mortgage: $556.50/$1,000

Professional Goals

Continuing Education Credits for Health License
I’m officially the worst when it comes to working on my CE – work has been busy!  It’s kind of a good thing!

Learning About Annuities
This got pushed to the end of the month…..sigh.

Blog Goals

Why The Fuck Are You Reading This?
I don’t know either!  I hope to wade through my drafts at some point and pull some more sideposts weekly but who knows!

Weekly Updates
Well I’m posting at least once a week

Week 8 Recap – Excited for March!

General Health

I reached out to a nutritionist to see if they can help me set the best macross for me in  myfitnesspal  and basically to have a professional tell me to stop being such a fat fuck.  I know what my problems are but I’m just not sure the best course of action and have some blog fatigue when it comes to trying to do the research myself.

This was the last week of Girl Meets Fitness and I definitely tried my best but was just unable to do all 5 days of workouts in the last 2 weeks – but I did sign up for her March FitCamp!  Donating blood killed my energy for Tuesday’s leg day but I gave it my best!

I am FIVE Weeks Down on the StepBet Challenge – ONE MORE TO GO!!!! AHHHHHH!
I also signed up for the next challenge that starts March 6 and my goals are a few steps lower so that’s exciting.

GYM July 2016 – June 2017: 48(as of 2/22)  /120

Sub-Goal: Donate Blood – I donated on 2/20!  It was quick and painless YAY!  I have scheduled my next one on 4/26 at St. Monica’s which is just a few blocks from my house.

Be Creative
I’ve been working hard on my knit-game and am a little consumed by it.  I went and picked up 2 more balls of merino wool yarn from Loop to finish it.  I learned how to change colors at Thursday’s knitting circle and I’m trying to get through the purple ASAP

I have been so preoccupied with my knitting that I haven’t been reading so that may be the goal that gets dropped!  Oh well!

Financial Goals

Pay Down Some Mortgage
I transferred $51 from my new Wells Fargo checking account to my mortgage principal this week.  $250 of my paycheck is going direct deposit bi-weekly into this WF account and I think it’s a good idea to keep that over there in case shit goes down and I need to pay my mortgage.

For this goal I will now not talk about what I’m saving to put into it but what actually gets transferred to the princpal!

Save Like a Motherfucker Frugal as Fuck
I grabbed a few extra snacks in my blood donation so we would have more things in the house to eat.  I found two pennies and a quarter on the ground.  I dug into the back of the work freezer for some chili I had thrown in there last month – it kept me fed through the work week!

My boyfriend’s birthday was Friday so I used a vacation day.  I was able to cash in some Opentable rewards to get a $20 gift card for our fancy dinner.  I got him a groupon for a massage and a few things he needed.

Other than that, we spent the weekend indoors eating crockpot mexican chicken and doing house stuff.  I [obviously] knit while running various videos and apps while he video gamed.  We did take a small trip to Lowes to get some gardening stuff together and started some plants!  Our thrift store Aero Garden needs a new motor so we ghetto-rigged this little setup:

2017-02-26-17-08-29

Mortgage: $81.50/$1,000
Savings: Ummmm…..
So $2,000 towards each of these goals by June? Ummmmm….

Professional Goals

Continuing Education Credits for Health License
I went ahead and signed up for a CE course that I wanted to do because my free coupon code was about to expire and I didn’t want to wait.

Learning About Annuities
We start March 10th!

Blog Goals

Why The Fuck Are You Reading This?
Apparently to learn about my dayplanner because this week’s #TealTuesday was my record-breaking view of OVER 28 VIEWS!!! WOOOOO!  I think it did so well because I promoted through an Intsgram pic and shared it to my Facebook.  I don’t want to lose my Facebook friends to over-marketing through….so that won’t be a usual thing.

Unless my friends legit start getting in on #tealtuesday which I guess I still need to really define as a hashtag, huh?

Weekly Updates
I’ve gone through almost the entire first quarter doing these so that’s exciting!

6 Weeks Down. 46 To Go!

6 Weeks of this has turned it into a habit – I keep in mind my goals each week as I do things and I think it’s really helping with focus!  I’ve also got a routine down that makes me feel better during the day.

General Health
I’ve been logging religiously on myfitnesspal  despite not staying within calorie budgets.  I joined the GMF February Fitness Challenge with  Girl Meets Fitness that started February 6!  Did I go to the gym on day one and do the youtube?  HOLY FUCK I ACTUALLY DID THE WORKOUTS!  I even did one of the days at home for a snow day – I only got 20 minutes in but it was better than nothing.

I am Three Weeks Down on the StepBet Challenge  I was pretty concerned that my rest day was on Thursday due to a snow day – I REALLY needed the sleep and laziness.  Sunday was rainy and NOT EASY and there was a LOT of house pacing and chores-doing.  Mad shout-outs to my weekly Aldi date who also needed to go to Petsmart and was happy to walk a few laps with me around the store before checkout.

I went to the gym A LOT this week – even Saturday!  It feels good to get up and do it.

GYM July 2016 – June 2017: 42 /120
GMF is definitely help me reach this goal – I did try to do one workout at home but it’s just too distracting!  I’m trying to get 5:30am to be my work week habit

Sub-Goal: Donate Blood – February 20th!

Be Creative
I got to make Harry Potter wands with my friend for her Harry Potter birthday party on Saturday.  Chopsticks, hot glue, paint, and pizza?!  Hell to the yes.  I had SO MUCH FUND doing this and booping people on the nose with them.

I’m still knitting!   I LOVE KNITTING!  I just have to get better so I can learn how to fix my mistakes as I get frustrated easily.  I (mostly?) learned how to tink* and am told my rows are pretty good.  I’ve found that this is a great activity to do while running SwagBucks videos are running on my laptop.

This basically sums up my challenges.
This basically sums up my challenges.

*”tink” means to knit backwards when you make a mistake – it’s just knit backwards HAHAHA

Financial Goals

Pay Down Some Mortgage
I’m up to $81.49 this week using Qapital – I added a few more rules ot try to get to that $100 faster and hopefully that works soon!  I guess I could, in theory, save the whole $1,000 through this but with the opening of the Wells Fargo account mentioned last week I think I’m better off pumping cash into that account because it earns interest.  I also took some of my rolled change money that I deposited into Wells Fargo last week and threw it at the principal just like the financial adviser I met with told me to do!

Save Like a Motherfucker
Soooo I forgot about this thing called “car insurance” that is due every 6 months so it was an all-hands-on-deck situation to pull $413 to get that paid before I got stuck with interest on the credit card.  It’s going to be a rough month.

Mortgage: $31.50 + $81.49 = /$1,000
Savings: $0/$1,000
So $2,000 towards each of these goals by June?Yeah I still got this.

Professional Goals

Continuing Education Credits for Health License
We started this training this week and I was told to wait another month or two before I start the CE credits.  Boo.

Learning About Annuities
Someone else at work is scheduling this sooooooo hopefully March or April?

Blog Goals

Why The Fuck Are You Reading This?
Yeah I’m not sure why you are either…but it’s good for me right now!  I know that I need to produce more content that is going to be for YOU but it feels like I’m doing a lot of good things right now and I need to roll with that.  Progress.

Weekly Updates
I definitely need these updates more than you need them.

My Top 3 Lazy Earner Websites

Okay…so today I promoted Ebates on my Facebook and a few people got interested….so here is my favorite list of “lazy earners” – sites/apps/extensions I use to earn points that can be turned into paypal money or giftcards…usually of the Amazon persuasion.

1. Swagbucks.com
So with SB…you get what you give for the most part – you do stuff to earn their virtual points referred to as “swagbucks” and then exchange them for various rewards – usually e-giftcards to awesome places like Amazon, Starbucks, Target, Walmart, etc.  They have a Shop & Earn section where you can earn for shopping at places like Groupon, Living Social, rotation Amazon categories, and MANY other physical and internet stores.  The rest of the website is basically getting a few bucks to watch ads or try new products (sometimes for free, but usually for trial and whatnot)

Average Earnings: $25- $40 per month in Amazon and Starbucks giftcards.  
I use the Shop & Earn for daily purchases and run the mobile apps whenever I have free wifi.  When I’m lazing around at home I’ll run the SBTV in the background or do surveys…though it is easy to spend 30 minutes just disqualifying for surveys.  I also try to use their search function as often as possible (It’s yahoo and kind of sucks…but I’ve just started searching google.com and have received swagbucks for it!)

Click here to sign up for Swagbucks and get swaggin’

2. Recyclebank.com
You sign up and slap a sticker on your recycling bin (or don’t.  It’s whatever since I’ve been earning well after that poor bin was stolen) and earn points that can be used for coupons to local establishments, e-giftcards, magazine subscriptions, etc.  You can also earn points by doing the activities on their website that often give you great energy-saving tips.

Average Earnings: $15 and a magazine subscription per year.  
Not a huge payout – but I’m dragging the recycling to the curb once a week and this is giving me something for that!

Click here to sign up for Recyclebank and earn for helping the earth and stuff

3. EBates.com
They will send you paypal money, giftcards, or even a check in the mail just for shopping at websites you usually do – Groupon, Amazon, etc.!  You just have to check their website or download the browser extension and it will do the rest!

I Don’t Have Average Earnings Yet
I just started using this in 2015 though I have friends that say they have earned $200-$300 over the years in “cash back”

Click here to sign up for EBates.com


 

Today I bought a Groupon and used both EBates AND Swagbucks so I got about $5.20 back from a $40 Groupon purchase!  May not seem like much…but it all adds up.

Another Week of Awesome?

Since my schedule isn’t the Monday through Friday nine to five, Mondays don’t really feel like Mondays to me.  I guess you could say they’re more like my Friday…and yet I always feel like I need to finish out my main-job-work-week strong because everyone else is just getting started!  

My week has been kind of thrown for a loop with the passing of my good friend Jeff’s father, Steven Rosen.  He was an incredibly good man that I had the honor of meeting at Jeff’s wedding last month and I’ll be driving down to Maryland to pay my respects on Wednesday.

I guess we’ll start with yesterday since that was the beginning of another week of awesome – Can I finish out this month so strong?  Here’s how I’m already doing and it’s only Monday:
1. Saving money
Sooo I have not been the best with this.  I went out Saturday, I bought some possibly unnecessary groceries yesterday, and today I bought Five Guys….but more on that in the Weight Loss goal.
I already know I will have to buy another tank of gas and will most likely buy some food in Maryland, but there isn’t much to be done about that.  I’ll try to make it cheap and stick to minimal beverages.

2. Moving
Talked to the landlady briefly today and she said she would call me back…and of course she did not.  I will call her tomorrow and tell her if I’m going to pay for the whole month of August I will want the keys August 1st.  She knows that I’m not fully moving until mid-month so I think that’s why she’s slacking….and I really don’t care as long as I get my keys August 1st.
I’m donating a bunch of art supplies and a shelf to Philadelphia Art Alliance for the kids’ programming they’ll be starting in the fall.  That will clear out a large portion of my back room!  I’ll also be taking a round of donation stuff to the Goodwill on the way to Maryland tomorrow.  Just keep trimming the fat!

3. Weight Loss
So this morning I was feeling super unfocused and weird…then I realized that I haven’t eaten like any meat since Wednesday.  Since I have been craving Five Guys for almost two weeks now…I decided it was time to do that.  Yeah, it was most of my points for the day….it was so worth it.
I made sure to go to bootcamp tonight because it would bring my activity points up!  And it did.  And I feel badass.  I just want to be able to do one full pushup though.  Maybe that’s my August goal!

4. Thesis
I WORKED ON THIS YESTERDAY!!!!!!!!!!!
I hammered out decoding a bunch of the surveys and printed some stuff.  If I can finish all of the surveys by the end of this month, I will consider this goal fairly pimp-handed.

So I’m already doing rather well!  I have to watch my food intake since I know I will have a few poor eating days.  I’ll save some cash by not eating so terribly.

Send me your good vibes!  Let me know what you’re struggling with and I’ll knock some back at ya.

You All Need To Know That Today Is Awesome

I know that all of those words don’t need to be capitalized….but I just think it looks better.

It turns out I am either able to see the future or I’m just awesome and getting things done when I stay positive.

Today I finally met with the landlady and filled something out and she said there will be a lease tomorrow.  We talked for a little bit, nice lady!  She apologized for being so scatterbrained and now everything’s good.

I am moving:
Tuesday, August 13th.

That is how much time I have to pack all of my shit, get rid of unnecessary shit, and get a bunch of little shit over into the new apartment so as not to waste Mambo Movers’ time.

I’m just going to throw this out there: paying for movers is okay.  Movers don’t strain friendships…or backs…and you don’t have to buy them beer or pizza afterwards.  And most importantly: they can do it fast because they know how to fit shit into trucks and then through tiny halls.  They won’t break your shit.  Or your walls.  And it won’t take a billion hours.

This goal is chugging along.  I just got so excited that I packed two boxes!

I also totally did a Core Fitness Bootcamp on the Art Museum Stairs which really rocks out my weight loss goal!  I wish there was a better way for me to calculate the points for it because my calculations make it only to have been 6 activity points….but man it felt like more than that!  Oh well,  now that I’m home I’ll pack some more shit up!  I’ve eaten really well today and still have 5 points left.  My goal this week is to only eat activity points and not touch my extra 49 since the weeks that I don’t touch those are the weeks I lose!  LIFETIME STATUS I’M COMING FOR YOU!