Officially New Year

It has so far been a week into 2009 and I am feeling good. I divided up my check yesterday as planned (1 of 52).

I actually woke up a 1/2 hour early this morning to work out! Yes, you didnt hear me wrong. I've been working out on/off for the last 3-4 months, but I hate to do the really intense ones at night, because then I have to shower, so I thought if I can wake up early, then I'll get my workout in, and then I dont need to make excuses at night!

Comcast on Demand is really a sweet thing! I've been doing "Walk Away The Pounds" shows, and Jillian from Biggest Loser (intenses ones from above). Having them on demand works out awesomely :)

Its not even that I really want to lose weight, I just dont want to gain more! I dont want to have to buy new jeans every 6 months. I just want to fit into the dozen pairs I have (different sizes from the last 3 years or so).

My promise to myself...I will NOT buy size 16 jeans. I just wont. If I have to wear sweatpants because I continue to gain weight then fine. I will not even buy another pair of size 14.

5 years ago (when I was 24) I weighed no more than 120. Now, 5 years later, I can only assume that I weight 160. I'm really ashamed that I've let myself get this out of control. I always wonder when I see some 200+ lb person, didn't they notice the weight gain, it doesnt come overnight. But hello...this is my wakeup call. If I DONT do something about it now, in 2-3 years, I WILL be 200 lbs.

Thanks for listening.

New Year. New Me.

I am planning on making some real life changes for the year 2009.

1st - I registered for two classes (Math 1218 & History 1140) College MATH! WOOT-WOO! After these two classes (as of Summer 09), I only need 15 more credits, which one more Sociology/Humanities classes and the rest 10-12 credits of elective courses.

Only 15 FRICKIN MORE CREDITS!! I NEVER thought I would get this far!! As you can see how excited I am to take college math, this is my 4th math class, and the ONLY one I'm getting credit for, the rest were all zero level :(

But so 15 credits left x $108 (tuition) = I am $1,620 away from achieving my AA.

I just never thought I could do this.

So there is Summer 09 and Fall 09. I could take like two elective over summer (6-8 credits), then fall a humanities class (3-5 credits) and then one more elective class.

So I think I should graduate after Fall 09!! Wow.

So this is really my biggest goal for 2009. If I can acheive this, I can really do whatever I want.

But so to get me to this point ($1,620), I need a plan.

My current wage breakdown.

Takehome Pay is $658.91 / wkly (which includes $75 of savings & $25 Flex Spending - out of sight out of mind - I used to take this out monthly to pay my AFS payment.)

$658.91 x 4.33333 = $2,855.25 / mo


$2,855.25
-1,245.00 Rent
- 500.00 Car Payment & Insurance
- 300.00 Utilities
810.25 Remaining
- 400.00 Savings ($100 / wk)
410.25 Spending / Misc.

So I will be saving $400 per month, then $400 from my check savings = $800 per month.

I will probably take Charlie's food out of my savings, if I need to, thats roughly $100/mo.

This also includes me paying the entire rent. My mom is supposed to pay $500, but with her unstable work and everything, I dont want to have to rely on that, but if she can pay $300 or something, thats great, I'll put that in my savings.

I finally feel like I have a plan, and that I may get somewhere.

What I really want to do is be able to open a high intrest rate savings account. I applied at Etrade which has one, but I was denied. Hello its for savings, not a cc. It just really sucks earning like 0.2%.

Ok, so that is my plan of action for 2009.

1. Finish remaining credits for my Associates in Art.
2. Really, really save money; then disperse for emergency fund ($3000-5000), and goal savings (school, vacation).

Oh, I would also LOVE to get a 2nd dog this year. But I dont think we will until Mom is in a full time position. And can rely on her paying $500 rent.