A Bunch of Stuff
Posted on | October 1, 2008 | 6 Comments
1) Yesterday I was finally able to begin testing out a product which I’ll be reviewing here at Cootiehog in a couple weeks. So far – I really like it.
2) I have been the proud owner of “Lego Batman” for the past two days and have yet to play it because CootieBoy has not behaved at daycare. There are three behavior codes – sunny, cloudy and stormy. He was on Stormy on Monday and Cloudy yesterday. I know I could go ahead and open it and play on my own, but he’s so excited about it that I want him to be able to play it the first time it’s opened. He was very upset last night when I told him we couldn’t play because he was on Cloudy. But he understood why. This morning when I dropped him off I told him again that we would ONLY PLAY if he stayed on Sunny. We’ll see how it goes.
3) Denis and I have decided to try budgeting again. We tried it a couple years ago and after a few weeks just stopped. I recently updated the spreadsheet for Mare-Bear, who requested a copy to use. So I updated it again adding even more categories than we had last time. We input our daily expenses and the spreadsheet uses formulas to then calculate our weekly spending as well as our monthly spending in each category. Lastly, it adds up ALL spending for the month so you can see how you did. It’s not fancy, but it works for us. I’ve got it set up to go through January 2010.
4) I’ve been reading a lot about the idea of paying off your credit card on a weekly basis rather than a monthly basis, so that your bank account doesn’t take such a big hit once a month. The theory is also that you can add an extra $10-15 every other week to the payment and actually pay it off just a tiny bit quicker by doing smaller payments more often. It’s an interesting idea and apparently works – I’ve read multiple bloggers talking about it. I’m going to start doing it next month and do it through the end of the year to see if it makes a difference (I’ve already scheduled my payment for this month and don’t feel like changing it).
5) “Pushing Daisies” starts tonight. Yippeee!!!!
6) I’ve been swamped here at work. Mr. BIL has ticked me off a couple times, notably in relation to prioritizing work. But I’m keeping my head down and doing what needs to be done if only to try and clear the clutter off my desk.
7) CootieGirl is doing well in kindergarten. Last night during her bath she told me all about Guatemala, including information about the food, the people, the location, the language and the flag. She’s very cute when she flaunts her newfound knowledge in our faces. She is also learning the foundation of story-telling. Her teacher has the students create four squares on a piece of paper. In each square they draw a picture that represents different parts of a story – the characters, the problem, the solution, and the result. Her pictures are very cute. She did one that had to show The Beginning and The End. In the beginning she drew a big skyscraper and at the end she drew a picture of a farm. I’ll have to scan a couple of them for you to see.
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October 1st, 2008 @ 1:29 pm
Actually the four squares of the story are Characters, Setting, Problem, Solution, but close enough. How about going to a bi-monthly (or is that semi-monthly?) payment of our mortgage. Can trim years off your mortgage payment and save you tons of money in interest if you do that. And I believe it’s free to set that up with the bank. Something to think about.
October 1st, 2008 @ 2:49 pm
I was close enough.
I’d be happy to do bi-monthly payments to the mortgage but I don’t want to be LOCKED INTO that program at all.
October 1st, 2008 @ 3:02 pm
We’re in the process of doing a refi that will have the bi-weekly payment thing. If it pans out as advertised, the 20 year mortgage will be paid off in 13 years, nine months, and hopefully sooner if we pay extra principle as we plan to do. NICE! We approached our bank (who shall remain nameless but was recently purchased in the dead of night by Citi), and they charge a fee to change the payment option on existing mortgages to bi-weekly vs monthly. A big fee, something like $1800. Jerks.
October 7th, 2008 @ 4:03 pm
Hi,
I was wondering where do you find all these blogs about money and budgets? You have some great info, could you maybe put your money stuff into a special category?
thanks
October 7th, 2008 @ 4:36 pm
Cheri, I have found quite a few good personal finance blogs – I’ll go ahead and create a widget in my sidebar with some of the ones I read so you can begin reading them as well.
October 7th, 2008 @ 4:47 pm
Cheri – widget has been added! The list of personal finance blogs I read can now be found in my left toolbar, just above the main blogroll list.