First Post of New Year
I've been out of town for the last week, visiting family back in Kansas. My Christmas was good, except for the part where I got sick. On the Monday after Christmas I got a bad cold, and I'm still using an unusual amount of Puffs a day. But it's getting better, so I can't complain. I saw a lot of my family on both sides. On the Sunday after Christmas we got together on my mom's side, and on New Year's we got together on my dad's side. It was so nice back home, we took walks several times without needing a jacket. That doesn't make for a normal Christmas, though, so it didn't really feel like it. But I still enjoyed the break. And then I started off my new year driving back yesterday and getting my first ever speeding ticket. I wasn't speeding under normal circumstances, but apparently it was road construction and I wasn't paying much attention. Oh, well, at least it's not more than $150, so I don't have to report it to security!
Over break we tried on different bridesmaids dresses for my sister Bonnie's wedding, which will probably occur next August. I was expecting to have to pay around $100, but the ones Bonnie wants are $160-$180!! Plus, they're strapless, so now I'm going to have to get my arms in shape, and just get in shape in general so I don't look so gross. I guess since this is the time everyone makes their resolutions, I should join them about losing weight. The bad thing is, now the gyms are going to be packed and there won't be any good deals to join professional gyms, so I'll have to do it myself. I have an exercise bike, so I guess I should use it. If this resolution goes as good as the other one I made today, I'm going to be in trouble. This morning I walked into work with the intention of cutting back on pop. By 2 p.m., I was working on my third one. But I haven't had any since then, so I guess I can start by not drinking any at home.
I better get working on the Christmas pictures to post on the website. I haven't had any new ones in a while!
Over break we tried on different bridesmaids dresses for my sister Bonnie's wedding, which will probably occur next August. I was expecting to have to pay around $100, but the ones Bonnie wants are $160-$180!! Plus, they're strapless, so now I'm going to have to get my arms in shape, and just get in shape in general so I don't look so gross. I guess since this is the time everyone makes their resolutions, I should join them about losing weight. The bad thing is, now the gyms are going to be packed and there won't be any good deals to join professional gyms, so I'll have to do it myself. I have an exercise bike, so I guess I should use it. If this resolution goes as good as the other one I made today, I'm going to be in trouble. This morning I walked into work with the intention of cutting back on pop. By 2 p.m., I was working on my third one. But I haven't had any since then, so I guess I can start by not drinking any at home.
I better get working on the Christmas pictures to post on the website. I haven't had any new ones in a while!
posted by Kimberly at 6:19 PM
5 Comments:
why is bonnie getting married? She has not met me yet!
Who are you?
Kim
Just an innocent by standard just happened to stumble into your site. I was pulling your leg. I don't know you or I know your sister. Congrats to your sister, and the budget thing don't work. It is your spending habits that will make you or break you. The key word is frugal. (just a small hint to financial freedom!) It is good that you are investing into buying your first home. Also, don't forget that you have the home owner association fee, the property tax, the misc. maintenance of your house (trust me, something will break), the home owner insurance (required by the bank for the loan), the closing fee (usually it is about $6-10K depending on your house),....
So in your budget, I would double what ever you have in your budget on your 1st and 2nd year because that is usually the shock on your wallet. After the first two years, you'll see the rewards of owning a house. Again, the keyword is "FRUGAL".
Once you have a house, you can consolidate all your loan (including your car loan) into your mortgage so your loans become a tax deductable. You can consolidate all your insurances too in your house so you'll have a discount on your insurance company.
Good luck and Best wishes to your sister.
Thanks for the advice! I just have to get a bigger place since I live with my older sister in a one bedroom, and I figured getting a townhome or house would be better than paying the same amount in rent. Also, I appreciate you reading my site and posting a comment! Sometimes I think my posts just go into a black hole. :)
Kim
I agree with you regarding owning your own place (regardless of the size), but you need to buy on the right place. Yeah, it is kinda hard for you and your boyfriend/girlfriend (its the new millenia... I don't know your sexual orientation, and I want to be politically correct.) if you live in a one bedroom apartment with your sister.
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