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Viewing the 'Goals' Category
October 5th, 2006 at 10:57 pm
Total for September
Challenge statistics:
to discount from challenge this month:
-$20.00
Earned in September: $450.00
net for January: $12.15
net for February: $318.40
net for March:$380.00
net for April: $222.00
net for May:$336.86
Net for June: $32.50
Net for July: $210.00
Net for August: $835
Net for September: $430.00
Total ytd for 2006 (net):$2,776.95
TARGET: $4,000
$1,223.05/ 3 months to go!
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October 4th, 2006 at 05:39 pm
my cousin is at a meeting with one of the largest factories in the country, to show them a sampler of toys ....yes, they buy the cheaper ones, but, its VOLUME! (we are talking about 2,000-3,000 toys here!)
Please send good business vibes so they choose to buy from us!
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October 2nd, 2006 at 08:12 pm
since there are a lot of us that are carrying around a few (or more than a few!) extra pounds, we are going to play Biggest Loser at the office...
the rules are: $30 to get in. You recover half your money if you lose 8% of your total body weight...the other $15 stay on until Dec 15, when we see who the Biggest Loser is(percentage-wise) and, s/he gets the pot!!
...someone asked what happens if none of us loses the 8%...we really hadn't thought about that! (at least, it means we are all being very positive about this!) ...someone jokingly said if none of us reaches the 8%, then we'll use the money to pay for a pizza party! LOL!
So....I re-started my diet today, am NOT drinking sodas at work and, will go out to walk again tomorrow!
Starting weight (after breakfast, clothes on, but no shoes) is: 140 Lbs....
EEEEEEEEEEEEEEEEEEEEEEEEEEEKKKKKKKK!!!!
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3 Comments »
October 2nd, 2006 at 06:36 pm
Ugh! September wasn’t much better than August!
the only categories where I was at or below budget were:
ENTERTAINMENT
CELLPHONE
OTHER
CAR
That leaves me overbudget in
GROCERIES
SCHOOL
CLOTHES
EVENTS
LUNCH
(no excuses, just plain stupidity!)
so, for September, the result is 4/9
The great news is that, OVERALL, I was on budget this time!!
Hoping to have better results for 061101!
((remember this covers variable expenses only))
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October 1st, 2006 at 07:44 am
I'm barely conscious...I just finished my business plan...and I'm not too sure the last 3 sentences I wrote made any sense...anyway, we have a final final final review tomorrow night, so I might have to work on it again, but, at least it's 98% finished...all it needs is touch ups and then it goes for the "official" review and comes back to be re-written, er, corrected and submitted to the judges...
wish me luck!
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3 Comments »
September 30th, 2006 at 12:58 am
Woo-hoo! we have our first order for toys this year!!...it's for 78 toys...our profit should be ~$350 (each) ...
I could put this toward my $20 challenge, but that would be cheating in a way...because this is something we do every year....(it IS, however, going towards debt!)
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1 Comments »
September 29th, 2006 at 10:09 pm
1. keep better track of my spending- September was BAD for expense tracking…the good news is, October offers me a new opportunity!
4. continue to lower my overall debt - I started Jan 05 with ~$17K (out of which ~$4K were for a loan and the rest -~$13K!-pure cc debt) and, am starting Jan 06 with $~11K (with ~$8K for a loan and ~$3K in cc debt)... expect to be able to end Dec '06 with ~$7K, which I expect to be purely for the loan... to come partly from the English classes/$20 challenge. ...current situation is: $13.9K total: ~$8.1K (refinanced) loan, ~$2.8K car loan, ~$863 personal loan, $1.6K other personal loan… Phone bill is $500...a work in progress...another one that won’t get taken off the list!
5. Help Ale find a way to earn those $3 she's missing to open her account with HER OWN money...didn´t open the piggy bank in Sept…will probably wait until it´s full…she lost another tooth…but, since she LOST the tooth at school (and couldn’t find it!) Raton Perez only left her $0.50 –as a consolation prize!
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September 27th, 2006 at 04:56 pm
today is the last day to turn in our business plans to our counselors, so they in turn can give them to the organizations involved for review...this is just to see what progress we've made...then we have until Oct 16, at noon, to turn in the corrected/complete plan for judging...
I'm feeling a bit overwhelmed, I must confess...
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goals
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September 26th, 2006 at 11:28 pm
unfortunately, it'll take $60 to pay for the new lock installed in our house (weird stuff has been going on!)
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3 Comments »
September 25th, 2006 at 04:10 pm
I got paid $100... I went out of the city this weekend and paid $10 for gas, and $2 for beverages at the gas station...upon my return we ordered a pizza and I paid $8.99....today I gave Ale her $2...but, I only got $57.01 in my purse...meaning $20 are "missing"!...My nephew hasn't had any access to my bag (nobody really has...except at the hotel where we stayed on Saturday, since we were at the pool all day!...)...hmmmm, will have to check my room tonight to see if the bill turns up....(it was all $20's originally, and, I DO have all the "change": 2 X $1, 1X $5 and 1X $10, so I'm missing a $20 bill!)...weird, weird...
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September 14th, 2006 at 08:48 pm
much-needed money coming in! $100 more for my $20 challenge...
Have separated $20 for our long weekend and, the rest has to go towards debt!
Made my first payment for boss #2 for the 5% loan...yay!
Some day, I'll REALLY be debt-free!
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3 Comments »
September 14th, 2006 at 12:00 am
well, today we finally got to meet our counselors!...the good news is, since this was delayed for almost 2 weeks, all other dates get "shifted" accordingly, too!...which means I need to submit my preliminary plan by Oct 1st, as opposed to Sept 19th (yay! that means I get to work on it during the week of 23-28, when my "kids" are away at training!!)
I liked my counselor, so that is another plus!
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September 13th, 2006 at 06:56 pm
Well, last year I was also getting over Ale's sickness (financially)...seems to be another cycle, that she gets sick about August or thereabouts...should keep my eyes/ears open to try to find out what happens!....
I was dreaming of paid-out cc's (now a reality!...I'm not debt-free, but it's loans now, not cc's, so, in a sense, it's "better!)...
I was looking for a job that paid more....still at the same place, earning the same money...
all in all, I'd say September 2005-2006 seems "even"...if anything, I'd say I'm in a parallel place, only "higher" than it was before!
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September 13th, 2006 at 06:51 pm
$100 collected on 060909
$100 collected on 060912
This goes to my $20 challenge for Sept.
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September 13th, 2006 at 04:16 pm
Well, last week she had the pizza lunch ($2, so no snacks all week!) and, this week, she bought a beef stew lunch (says she ate her lunch but was still hungry... ??? MY Ale, still hungry???...this is a miracle!)...
We also had a talk about healthy snacks vs what is available at school, and she promised she'll try to opt for the juices, fruits and cookies instead of cheese puffs and candy....she prefers juice to soda anyway (I must have done something right!)
But, today she complained that she hasn't put any money in her piggy bank lately....so, I told her that's because she has been spending the full $2 instead of saving!...
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September 12th, 2006 at 06:14 pm
by "our" I mean mine and my cousin's...our catalogue CD is ready, packed and the presentation letter is finished...that means we (or, rather, she) start distribution today! ...we made a list of 25 companies to which we are going to send the CD's ...of those, 5 are customers from last year...so, our goal is to have at least 5 new customer this year!...
Once those are distributed, we are going to once more approach the principal of the school where we sold supplies last January, to see if we can do it again next year...we wouldn't have to buy much, as we have so much left over from last year...just some glitter glues, foamy and felt...
wish us luck! as this could be my "$254/month" difference for next year!
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September 12th, 2006 at 03:36 pm
the nanny washed Ale's white tennis shoes yesterday, and set them to dry on top of one of the beams in the laundry room...Needless to say, today I almost went crazy looking for the shoes (she is not allowed to come to school unless in "full" uniform, these are the only white tennis shoes she has...so, it was either find the shoes or stay home for her!)...I turned the house upside down and, in the process, saw A LOT of opportunity for decluttering - a bunch of size 11 and 12 shoes, for example, when Ale is already wearing shoes 2 sizes bigger than that!....so, this coming weekend (long weekend due Independence day!) Ale and I are going to try to declutter the house a bit!
(oh, and the shoes were still WET! I had to put them in the OVEN!!! -- we don't have a dryer...)
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September 7th, 2006 at 10:04 pm
...I went shopping...My cousin called me to let me know about some sales: Brown Hush Puppies shoes for me at $10 (for work) and a pair of leather sandals also at $10..., and, 2 pajamas for Ale (she's outgrown all her pajamas!)and a pair of pink pants (she has a bunch of size 4 clothes that barely fit and a bunch of size 8-10 clothes that don't fit yet!)...total for all these was $45...and, today, I went into a dept store that is having a clearance to look for the bed for Ale....and, they didn't have the kind of bed I want, but, they had toys at 50% off (no, I didn't buy any toys, I just looked at them and called my cousin to see if we can use any of what they have for our Xmas toy business...)but, to do so I went through the children's clothing section...and found some Xclamation jeans at $3.99 and a nice skirt at $2.99....I also spotted a nice picture frame with "graduation" embossed in it (50% off $9.98), which would be perfect for my niece (she graduates high school in a couple of months)...
so, now I feel very guilty....but, looking at the bright side...it went on the debit card! (no interest and no fees!)...so...now I have to find a way to earn enough money to replace what I spent: ~$57 in total...
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September 1st, 2006 at 04:14 pm
1. keep better track of my spending- The last two weeks were awful!...since I was “away” at the workshop for 1 full week, arriving home late and obviously not in the mood to track spending (see? That, according to Dr. Camilo Cruz, is a “cow”! aka an excuse or habit that keeps me from doing what I want to do!)…well, I have tracked as much as I could and, I’m overbudget again this month! …Ale’s sickness hasn’t helped and, to top it all off, I gave in to “temptation” and bought way too many books at the training center’s bookstore!...This goal has been included in the “contract” with myself that they made us draw up at the workshop!!
4. continue to lower my overall debt - I started Jan 05 with ~$17K (out of which ~$4K were for a loan and the rest -~$13K!-pure cc debt) and, am starting Jan 06 with $~11K (with ~$8K for a loan and ~$3K in cc debt)... expect to be able to end Dec '06 with ~$7K, which I expect to be purely for the loan... to come partly from the English classes/$20 challenge. ...current situation is: $14.1K total: ~$8.2K (refinanced) loan, ~$2.8K car loan, ~$900 personal loan, $1.6K other personal loan… Phone bill is $600...a work in progress...another one that won’t get taken off the list!
5. Help Ale find a way to earn those $3 she's missing to open her account with HER OWN money..have to open the piggy bank again and count the $$ to take it to the bank!
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September 1st, 2006 at 04:09 pm
Total for August
Challenge statistics:
to discount from challenge this month:
-$0.00
Earned in July: $835.00
net for January: $12.15
net for February: $318.40
net for March:$380.00
net for April: $222.00
net for May:$336.86
Net for June: $32.50
Net for July: $210.00
Net for August: $835
Total ytd for 2006 (net):$2,346.95
TARGET: $4,000
$1,653.15/ 4 months to go!
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August 31st, 2006 at 05:51 pm
collected another $200 for services! yay!...this one goes with August!!
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August 28th, 2006 at 10:55 pm
We are now in the middle of Phase II - training
We finished our Entrepreneurship Abilities Workshop and our Business Plan drafting seminar....now we will be paired with special counselors to draw up the business plan and get it ready to be presented to the jury....this will e theend of phase II, on Oct 2nd.... then they'll choose 24 finalists for Phase III and, from these they'll pick the 9 winners...wish me luck!....I like my idea and, from what I see, even if I didn't win, it wouldn't take that much money to set things in motion...getting it to the point where I could quit my job to dedicate myself full time to my business would be something else, though! ...still, it would make a good "side" source of income ....
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August 28th, 2006 at 10:49 pm
ugh!...the event really messed up my record keeping...all I know is I'm waaaay oberbudget and I have this feeling that there are expenses missing (I have input what I could based on invoices and bills...but, I still feel like some things are missing...) --sigh!
I'm back on track as of today, but...
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August 24th, 2006 at 05:48 pm
another $250 collected to be added to my $20 challenge for August....
pending $1,450....
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August 19th, 2006 at 05:55 am
I've missed YOU!...I've been MIA at the workshop...have had to do a lot of work...but, it's definetely worth it!...I love it!!...right now I'm doing my (self-imposed) homework, which is a very simple flyer for my translations...Tomorrow I have to gather up the courage to ask for permission to post it at bulletin boards in several places...
Oh, it finished printing!...gotta go!
(I still have to work on an email!)
I probably won't be on "full time" until Monday 28th or thereabouts!...(but, I'll lurk as much as I can! LOL!)
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August 14th, 2006 at 09:17 pm
$120 more paid for services - delayed payment....to be added to my $20 challenge for August...
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August 14th, 2006 at 03:34 pm
paid for services...
to be added to the $20-challenge
(August will be a good month!)...
I'll keep pressing to get all my money this month!
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August 14th, 2006 at 07:09 am
stupid me! procastinated all weekend and then forgot all about it...luckily, I rememberd while I was watching CSI (starts at 9:00pm my time!)...so, here I am, just finishing up and sending the translations to my office email...they are for the company, but, contrary to custom, they are paying for this ones! ($60, yay!)
This goes to the $20 challenge for August (since it's less than $75, it gets paid via petty cash!)
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August 11th, 2006 at 02:59 pm
LOL! she forgot her money today!...for about 2 seconds I considered loaning her the $0.30 from my money, but, then I decided that wouldn't be right. If she fortgets her money at home, she has to make do without...it won't kill her (she has a lunch box and enough food, anyway) and, next time, I bet she will remember! -- I already told her the $0.30 will go to her piggy bank this afternoon!
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August 10th, 2006 at 09:22 pm
I asked the receptionist at work whether I could pay the Technokids fee for the whole year ($54 total) and, she told me that this year, eventhough they are going to have the sessions, this year the price has already been included in the monthly fees! YAY!!... another $54 saved!!
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