Monday, March 9, 2015

Does anyone else ever just freak out?

So yeah....the title is pretty much self explanatory.  Do you ever have a freak out moment?  A point in time in which you just are pushed over the edge by emotions?

I do.

Wanna know what causes these occasional freakouts?

Stuff.

That's right.  Stuff. 

Stuff that I own that needs to be taken care of.  I just get overwhelmed sometimes thinking about the amount of stuff that I need to do.  Pay this, pay that, save here, mow this, take the trash out, scoop the liter, etc... AHHHHHHHHH!!!!!

And for some crazy reason I find myself sometimes wanting more stuff...how sick is that!!!???

I think that a lot of times I forget about the maintenance of the stuff I want.  Very recently for example I was over at a buddies house and noticed he had a nice new xbox one.  Sweet games, cool voice control, cutting edge tech...whats not to love?  I admit that as I sat there playing around with it I enjoyed it.  I enjoyed it so much that the thought crept into my brain...

"This is sweet.  Its only $350.00 and if I got it I could get the new rock band..." (I love rock band btw, nothing like being a hero in my own mind).

Initial Pros: Awesome game, wifi built in, new graphics!
Initial Cons: Nothing, lets go buy this right now.

Thankfully I didn't buy the thing right away because if I did, my wife would have killed me.  I went home and slept off my tech induced haze.

I woke up the next morning and began going about cleaning the house.  I quickly realized that I was overwhelmed with chores and stuff to organize (I love organization).  I can't buy this thing I thought.

Pros: Cool new graphics, built in wifi, sweet games.
Cons: Price of system and continued cost of games, cleaning the system, energy used by the system, time taken away from other aspects of my life by the system.

As you can see, the cost of the system is actually quite more than the initial $350.00 and I just can't handle any more stuff in my life right now.  I have way too many house projects that deserve priority, and I have too many basic maintenance tasks that need done on a weekly basis.

When you begin to think like this, it really makes you appreciate what you have and takes the luster of the extra crap to a minimum so you don't feel compelled to buy a bunch of junk.

Just a few thoughts I had as I was passing by the computer today.

See ya around.

Tuesday, March 3, 2015

Net Worth Update: February

Been a while boys and girls, but that is what happens when we get into the thick of it.  Masters applications and tennis season has come upon me like the extra pounds one tends to gain right after high school.  Since today is a half day off (due to the winter weather) I figured I would take time to sit down and write out a little update.

Mint says my current net worth is...

- $115,480.67

That is a difference of...

+ $ 7966.06

What up!!!???  As a side note looks like somebody found the COLOR button!!!  Oh no... I can't STOP!!!

Well, aside from all that crazy fun let us take a look at why the Old School Family was able to improve the old net worth situation for a second month in a row.

Account Breakdown...  

1. Emergency Fund                  $10,214.39                                                                                                2. Checking                              $353.43
3. Chase Sapphire Preferred  - $729.36
4. Wife's Card                        - $0.00
5. Mortgage                           - $160,124.59
6. Wife's 401k                          $15,467.90
7. My Roth                               $546.02
8. My 403b                               $6600.83
9. Wife's Car                            $9,222.00
10. My Car                               $2,500.00

February is always a great month for the old school fam for a couple of reasons.  The first reason is that it is a short month so we are less likely to overspend.  The second reason is that my wife gets a bonus and we get our tax refund (small although it may be).  Overall this is the basic definition of being successful with finances... bring in more than you spend and save what you don't doll out.  If only we could duplicate this success every month :/

GOALS:

1. Savings- YES!!!  It has finally occurred...we are in the double digits with our savings!  10k is a number I have been pining for quite some time...15k next?  Well I probably should start with 11k and work my way from there:)

2. IMRF- needless to say I am a lazy slob and have accomplished nothing towards this goal...one of these days though I'm going to complete the transfer sheet and rollover that piddly eight hundo to my retirement. 

OTHER GOALS:

1. Book Reading: Finished my second book this month so I'm 2/10 so far.  I read a book on how to improve at tennis (important since I'm a coach).  The book went into great detail and even had a section on how to improve coaching.  I just can't remember it off the top of my head and it is currently at school.

2. My masters applications have been going well and I am waiting on one letter of recommendation and then I can send in my app!

3. Retirement is on track and we are ahead of the game due to my wife's work matching some of her bonus with a 401k contribution.  I'm not going to say where she works, but her company is awesome and does a bunch of great things for the surrounding communities.

4. Devotions have been slacking of late...I really need to get in the habit of just waking up and reading ODB (our daily bread).  It is a great way to get in a little spiritual time and really fuels the fire for more.

5. Learn a new language:  Um....does Klingon count:)  Just kidding.  I am sad to report that I have fallen by the wayside for this goal...but at least I'm getting up and running every morning...does that buy me pentance?

6. Last but not least....This is my post for this month.  I am continuing to post at least once a month for now, but I don't really expect to post much more.  I am jotting down ideas that I have but I just don't have time to sit down and crank out some good content.  Unless I can write something I think important I'm not gonna flood this blog with garbage posts (there may be silly posts,  but let there be no trash!)

Anyways, see everybody next month.

Love-All