Day 65 Post 1 – Financial Goals

In a recent conversation with my aunt I learned she took a financial course at her church not too long ago. I called her back a few days later (after an extremely frustrating experience at a car dealership) to ask her how she would recommend I start my own financial correction process.

She had several suggestions but the one I’m going to implement immediately is splitting my expenses. For example, I’m going to assume that each month has four weeks and split each expense into four. Each week I will put a quarter of each bills estimate amount into my savings account so when the bill comes due I have the funds. Let’s just say that D and I don’t always plan ahead, but emergencies and unexpected expenses also arise.

The first step I need to take with this process is writing out all my expenses. I don’t mind sharing, and this IS my accountability blog, so I’m going to do it here.

Rent: $725
Water: $40
Gas (house): $120
Electric: $120
Car insurance: $130
Student loan #1: $100
Student loan #2: $100
Cable/phone/internet: $130
D’s car: $330
D’s child support: $220

The total of all that equals $2015, and this doesn’t include food, clothes, entertainment, gas for the car or holidays. Phoooooo… $504/week. I need to make sure I’m getting as close to 40 hours as possible, if not more.

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Day 8 Post 3

I was thinking about making a couple pages where I could list my goals all in one place, whether they be financial, thing, or personal, and then it occurred to me that there was a reason why I was splitting them out into categories like that…

Tony Robbins…

Years ago I was given a copy of Personal Power, a great audio book in which Tony discussed how to achieve your goals. Today I’ve decided to pull out my audio book and once again set goals for myself.

If you are interested in following Tony Robbins’ program yourself, click here to find out how to order your own copy.

 

Day 8 Post 1

Let the work pile on!…

And please, God, give me three more arms to tackle it all!

While it’s easy to say I’m getting back to work, I am not a person who will bill clients when they only get 50% of my attention… Or 50% of my capabilities. For example, right now I’m typing slower than usual, and with more typos, because I’m typing one handed. How can I bill for time like this?

I want to be accountable and reach my goals, but at what point do I sit back, relax, hold my beautiful newborn and trust that God will provide what my family needs? When He has given me a fully operational body and mind, it feels lazy to expect Him and others to provide.

Day 2 Post 1

It’s nearly 3:30pm and I am quite proud of my progress today. The kitchen is just about clean and the only laundry outstanding is that which is in the dryer and a basket of the boys clothes which they will put away when they get home from school. (At 7 and 10 years old, our boys are expected to perform certain chores in order to 1) Earn video game/TV time and 2) Earn allowance.) I’ve taken a shower – a feat for any mother of a newborn – and I’ve even started sorting the pile of mail I’ve been avoiding. Oh – and the hospital bag is finally unpacked even thought I thought I did that last week.

And my biggest accomplishment of the day? I’ve ignored Facebook since before 9am this morning, even though I spent most of 9am-12pm with a baby on the breast. Do I want to take a stab at my latest level of Candy Crushers? Yes! But I’m happy to see the progress around the house.

I’m not going to deny that being in a foul mood fueled my cleaning energy this morning. Hubby and I were amused during a conversation early in our relationship that we both clean when we’re angry. We’ve been together nearly three years and we have never fought, but in the wee hours of this morning I almost snapped on him. With a three a.m. feeding underway, he woke and asked me if I needed anything. Feeling as though “N” was using my breast as a pacifier, I asked “D” to get her pacifier from downstairs so we could all get back to sleep. Five minutes later he came back in an extremely bad mood. Dropping the f-bomb numerous times, he expressed his frustration with our cat and the fact that he has taken to stealing “N”‘s paci’s.  For some reason, however, this frustration was aimed at me, which was greatly unappreciated.

“D” and I share custody of the boys with their father 50-50, and he has them every Wednesday and Thursday night. Because we work at home, the boys no longer go to before or after school care and the ex drops them off here every morning around 7:30. Despite the fact that “D” has asked me to get him up by 8am, this morning I chose not to. My frustration with being vented at left him undisturbed in bed until nearly 1pm, when I carried a basket of our clothes upstairs (another lash at him because I’m not supposed to be carrying anything heavier than the baby right now). In the end, however, we talked it out, “D” expressed his sincere appreciation for the work I do and have done this morning, and he apologized for venting his cat frustrations at me.

i can’t tell you how invaluable apologies are to me. Knowing when to admit our faults and mistakes and apologize for the latter is far more valuable than being perfect all the time.

Wow…  I’m rambling…

To continue on with today’s goals, here’s the updated list:

  • No Candy Crushers between 9am and 9pm (5pm will be a breeze, I’m extending a bit)
  • Fold and put away last load of laundry
  • Finish cleaning kitchen
  • 4+ hours of billable time to clients
  • Pick up lost stitches on R’s blanket
  • 6+ rows knit on R’s blanket
  • Start tracking glasses of water drank – and drink more! (Important for breastfeeding)
  • Order pictures on Shutterfly

Tomorrow’s Goals

  • No Candy Crushers between 9am and 9pm
  • 4+ hours of billable time to clients
  • 6+ rows knit on R’s blanket
  • Continue cleaning out mail pile
  • Work on “D”‘s company website