September Goals

The journey to debt repayment isn't always an easy one. For me there have been many trips and stumbling blocks along the way, but my determination still stands. I look at the stock market and think, "Now is a great time to scoop up some of those bargains." I'm looking at the housing market and think, "If I hadn't gotten myself into this mess, I could be purchasing a home now." Its difficult to keep the enthusiasm up when you deprive yourself even if the goals in sight are what you really desire.

During this quiet period, I've picked up a second job to help pay down my debt quicker. While my determination to get on top of my debt is strong, I took a look at my spending lately and realized that I haven't gotten very far and its because I've been taking care of those things I put on the back burner. You may think you remember where your at in your plans, but it often takes a look at the hard copy to get the real picture. So, with that said...

My Goals for September ~
- Take parking down to $40 for the month (If I get reimbursed for it, that's even better.)
So far I've only driven once this month and my mom paid for it because I was her taxi.
- Take my lunch four times a week. Limit dining out to 1 lunch per week.
- Pay off 401k loan. I know, I know, BIG MISTAKE to take a loan out against your 401k!
- Create Christmas list so I can take advantage of sales over the next 3 months.
- Add $50 to Emergency Fund
- Add $50 to Roth IRA

Updates and Evaluations

I've been reevaluating my ability to save money and taking a hard look at my decisions. Its easy to say I'm paying off debt, but a completely different reality when I realized I was only partially committed. I'm happy to say that I've started to use public transportation and even walking to work. It's saving me at least $8 a day in parking. I've been working at packing my lunch and breakfast which is saving me $5 for breakfast and $12 for lunch. I'm making sure I get my money's worth out of my gym membership frequently making workout dates with friends rather than going out for dinner or coffee. Finally, I've picked up some side work on the weekends which is bringing in some much needed extra cash.

Inexpensive Birthday Celebrations

When you're on a budget and looking for an inexpensive way to host a party, consider a bit of nostalgia. Bowling offers the opportunity to talk with everyone and yet provides an activity. For a rental fee of about $3 for shoes and $2 per game after 8pm, you just can't miss.

Today was a close friend's birthday. Inspired by a recent trip she took to Hawaii, I went to the party store and spent $15 in decorations and favors. I know I could have saved quite a bit, but it was worth it and I can reuse most of it for another island themed party. I purchased silk flower leis, a posable cardboard dancer, tropical fish bendy straws (because its not a party without fun straws!), and a crown for the party princess. Dinner consisted of 1 pizza for $14.75 and atomic cheese nachos as a joke for the birthday girl ($3.75).

Now, I have to admit that I could have done this for less, but there was no clean up and I was able to participate as much as everyone else because I didn't have to do anything.

As for the the party itself, I think everyone enjoyed the music from the 80s, neon setting, and of course, those fashionable shoes!

Debt Repayment Update

After struggling for some time with my repayment plan, I've been pushing forward with efforts to increase my income. My first step was to call a bakery I used to work for. Knowing June is a huge wedding season, I asked if they needed help with delivery. I've now completed two weekends and earned $250. Helping a friend rent her apartment I've scored another $100. Best of all, my $600 kicker check should be here by the end of the week.

All of this will ensure I reach my goal of paying off a 401k loan.

Knowing When Food Is Freshest Will Save Money!

Shopping at Farmers' Markets is becoming the "In" thing to do. Stopping by a road side stand to pick up fresh berries while on a road trip adds to the flavor of travel. Going out to the pumpkin patch to pick out the perfect pumpkin is all part of the fall experience. What may not be as obvious is the money we save by participating. Eating food that is in season and at its freshest helps the local economy by supporting farmers; it saves fuel because fruits and vegetables don't have to be flown in from other countries; and it limits the amount of chemicals that have to be used to force fruits and vegetables to ripen.



Not sure when fruits and vegetables are in season? Check out the Center for Urban Educations Sustainable Agriculture site where they have a chart for Fruits and Vegetables.

While you're at it, consider picking up extra and saving it for later. Most Fruits and Vegetables can be frozen or canned for later use. My family also makes a batch of apple sauce and jam to store for the year. I can't tell you the last time we purchased either item at a store.

Apartment Living Doesn't Limit Your Ability To Grow Your Own Food

Between the price of food skyrocketing, the interest in fresh food that actually tastes like I expect it should, and continuing scares of salmonella in tomatoes, I have been looking into gardening options. For those that live in a house, it may be a challenge if you're not into yard work, but for those of us that live in apartments it provides a lot more challenges.

Inspired by a posting on Wisebread by Linsey Knerl called "The Ultimate Green Workout," I began to examine ways to supplement my food budget. When I had a deck it was easy. I'd invest in large planters and grow cherry tomatoes, herbs, and peas. Hanging baskets are great for cucumbers and zucchini.

Today, I have a bigger challenge. I have no outside space and no deck or patio. So with determination I began to brainstorm ideas.

• Look into Community Gardens. For a small fee you can "rent" a small plot to plant.
• Family members and friends are often in need of help in the yard. Consider a labor swap for gardening benefits.
• Talk to landlord about planting an edible landscape. It's environmentally friendly to utilize garden space for food rather than high maintenance lawns or shrubbery.
• Check out Gleaning. Gleaning has a long tradition in farming communities where groups go out into fields after the crop has been picked to pick remaining produce that was missed. You can find information on Gleaning groups on-line, at local food banks, and Granges.

Cooking For One Versus A Family

If you are cooking for one or even two, you know how frustrating it can be. It's difficult to keep a variety of fresh meals in the house and eat everything before it goes bad. I have another confession to make to those that don't have to struggle through those daily frustrations of singlehood, we tend not to cook because its just as easy to graze on throw together food like a bowl of popcorn, peanut butter sandwich, or cheese and crackers. So when an opportunity to share cooking responsibilities comes up we jump at it.

I work at an office with a group of people that often eats lunch together. Today we discussed and decided to purchase groceries and prepare group lunches. This has great potential, but it also has the ability to get a bit expensive. I've agreed to participate in a moderate fashion at first. Tomorrow's big experiment will be salmon with asparagus. I'm going to keep track of cost and compare to both buying lunch and packing lunch.