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Scraping by

My budget is... slim. After plane tickets and car trips, I'm feeling a little bit broke. I JUST made it with my mortgage/hot tub/car payments. Seriously I have like two dollars.

After being so proud of myself about budgeting my finances and everything like that, it was easy to assume it'd always be that way. I guess I subconsciously forgot that I was saving money for the specific purpose to *spend* when I needed it. Like for trips to Israel (although my total cost incurred so far is a mere $386.40). Anyway, my savings account is shot.

Luckily I get paid on Friday, and luckily it should reflect my raise (and here's hoping for retroactive for the two days I worked this job from the last pay period). Even with that, Chanukah is lookin' slim. Our piano, normally covered with presents for WEEKS before Chanukah begins, is barren with only a few small gifts. Its slim both for the givings and the gettings.

The givings will consist of many beautifully drawn pictures of things to be bought in Israel (hey Matthew, can I take your fold-up duffel bag?). Other than promises of presents from our homeland, I did acquire a few presents over the past year. I already have something for Deborah, so I have no choice but to give it to her. I also have a present for my parents that my dad in particular will really enjoy. Vivi and Matthew won't be down till after Chanukah is over, so I don't need to feel major pressure on those just yet.

I'm glad to have a few weeks break in between Chanukah (a few friend-presents, but mostly family) and Christmas (a few other of the friends) and Holiday Greetings (an unsurprisingly large number of FSM lovers)

The gettings, as told to me earlier today by my daddy, will likely be a check. From the parents, at least. It will be nice to not have to worry too much about my budget while I'm in Eretz Yisrael, and the check will be very welcome.

Finances should be eased up also, for about twelve minutes, in between the time I get reimbursed for last semester(100% for an A, 80% for a B, 60% for a C, as per my job-- and likely getting 100% in both, woot), and I pay for this coming semester. Silly tuition.

I have decided to ride it out on my 10% 401k contribution for a little bit longer. I love that I have savings that I can't spend, and putting in 10% makes me feel like a good little saver. If I do this for awhile longer and realize I could use more money to survive on, I might cut myself down to a 6-7%. Until then, look forward to me complaining about not having money.


( 12 comments — Leave a comment )
Dec. 4th, 2007 03:39 am (UTC)
May you be blessed by the noodly appendage in this holiday season.

You can take the duffel bag, no problem. I'm in a money crunch this winter also. I foresee giving lots of gifts involving effort and emotion, but not too much cash.
Dec. 4th, 2007 12:34 pm (UTC)
yay effort and emotion!

I'm lost on the noodly appendage.
Dec. 4th, 2007 03:43 pm (UTC)
Dec. 4th, 2007 03:48 pm (UTC)
ohhh right yeah :-P
Dec. 4th, 2007 07:52 am (UTC)
Happy Beginning of Chanukah!
Dec. 4th, 2007 07:53 am (UTC)
Dec. 4th, 2007 12:35 pm (UTC)
nice save.
Dec. 4th, 2007 12:35 pm (UTC)
and thank you!
Dec. 5th, 2007 01:15 am (UTC)
If you're putting in 10%, you're doing better than I am. The moment I became eligible, I started putting in 3% (the maximum amount that my company matches). I haven't bumped up the contribution since then, but because I started doing it as soon as I could, I don't feel super-guilty. I will probably bump it up a bit after the first of the year, when my raise kicks in.
Dec. 5th, 2007 12:21 pm (UTC)
Re: 401k...
My company matches 50% of whatever we put in.

Dec. 5th, 2007 12:56 pm (UTC)
Re: 401k...
That's pretty good. Is there a cap?
Dec. 5th, 2007 02:06 pm (UTC)
Re: 401k...
nope. We can put in 100% if we want.

We also have a vesting schedule, though. Someone who has been here for a year is 20% vested in the money my job matches. Someone who has been here for 2 years is 100% vested.
( 12 comments — Leave a comment )


Much like pineapples, I am hardcore.

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