tag:blogger.com,1999:blog-44367604211371033792012-02-16T16:45:53.952-08:00The name of this blog comes from an episode of South Park when Chef's dad complains about the Loch Ness Monster always hounding him for money. When he asks the monster what he wants, his answer is always, "About tree fiddy." (That would be $3.50) Guess you have to see it. So...yeah. There are plenty of blogs that give good advice and fantastic content. This is not one of them. I'm just here dragging you with me on my financial journey to wealth and security.Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.comBlogger2141100tag:blogger.com,1999:blog-4436760421137103379.post-18538360574713424422010-12-09T17:42:00.000-08:002010-12-09T18:18:28.872-08:00

Greetings and salutations.It's been a minute. I've been meaning to come back and catch up, but there are a lot of things going on right now and blogging seems about the last thing I want to deal with. But, just in case anyone is wondering, here's the deal.WorkThe merger happened, as well as a round of layoffs. I survived that one and hope to survive the next that supposed to happen early next

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-85850653768108719642010-08-08T11:38:00.000-07:002010-08-08T11:45:17.485-07:00

I actually reached my $10,000 Move Fund goal a couple weeks ago, however with news of the upcoming merger at work, I'm wondering if these goals are relevant anymore. It's not that I won't need to move at some point, or a car. It's just that it seems a bigger emergency fund might be in order.But rather than torment myself over something that may or may not happen, I'm just going to keep doing

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-53026181602319004312010-07-12T11:03:00.000-07:002010-07-12T11:25:32.105-07:00

Woke up to find out my employer will be merging with another company over the next few months. There will be layoffs but no one knows when or where. I suppose the only thing to do is assume it could be me and act accordingly.1. Update my resume and begin searching.2. Follow up on all health appointments. Best to get that done sooner rather than later, no?3. Look at my budget to see if I can

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-7134503747767582552010-05-02T14:12:00.000-07:002010-05-02T18:10:09.642-07:00

It's a rhetorical question, really, but when I go through apartment listings on Craigslist and match up what's available with what is in my budget, it's depressing. How are we supposed to save for retirement and an emergency fund while paying for rent and utilities, and geez...feed ourselves? Damn.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-85094599224404810792010-04-28T10:34:00.000-07:002010-04-28T10:54:30.140-07:00

I've decided that it due to my mother's recent diagnosis, it would behoove me to get crackin' on that 2011-2012 Move Fund (which may happen sooner than that), so I've done the following:Decreased my Travel Fund from $4,000 to $2,000. Since I'm going to be home more, I won't need much for travel. Just enough for maybe one or two visits to see the BF for a weekend and my cousin's wedding in

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-44745302121291621412010-04-26T06:29:00.000-07:002010-04-26T06:46:43.451-07:00

Back in 2004-2005, everyone was asking me why I wasn't trying to buy a house of my own. My response? "I can't afford a mortgage AND furniture. I can only do one or the other." I wasn't trying to be pithy or cute, that was my honest-to-goodness reason. I knew everyone else with income like mine was buying, but I just didn't feel comfortable with it, and that was good enough reason for me. No

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-2173581770113720612010-04-26T06:01:00.000-07:002010-04-26T06:14:21.358-07:00

Man, I wouldn't mind having one of those smartphones. They would (or would have) come in so handy when I was traveling to check flight schedules, etc. They would keep me entertained on the long commutes home. I could have gotten one of those new droid thingies for free (well, with the commitment to a 2-yr. contract) since my phone was eligible for an upgrade since 2007. I'd have access to

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-72422482554105265162010-04-23T10:17:00.000-07:002010-04-23T11:40:56.697-07:00

The Travel Fund goal has been met, now it's time to tackle the largest, and possibly the last, financial goal I can accomplish this year.My mother has been diagnosed with ovarian cancer. I'm still in a bit of shock. It was just last year that my father died of pancreatic cancer. Isn't there a limit or time spacing thing about dealing with death? No? Well there should be. Anyway, understandably

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-84295520640871173512010-03-13T06:55:00.001-08:002010-03-13T07:05:12.904-08:00

Because Experian is on that garbage, I could only pull my FICO scores for TransUnion and Equifax. In January 2009 my scores for them were 812 and 817 respectively. I ran my scores a month ago and got the following:I'm really puzzled as to why my score went down. The most I had on any credit card at the time would have been $150. I don't have any other debt. My bills are paid on time. I check

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-7353220399271681142010-03-06T07:17:00.000-08:002010-03-06T08:37:28.827-08:00

Hold up! Dude! Did you know I was a genius! Check it: Last night I had a late flight to see the BF. I didn't want to pay a bajillion dollars for some lettuce and a bottle of water at the airport so I did the following instead I bought a sandwich, chips, and a cookie from Panera (lurve Panera!) and tucked them along with an empty water bottle in my carry-on. Once I get passed security I

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-33056015037747041702010-03-05T09:54:00.000-08:002010-03-06T08:38:21.068-08:00

Well. Kinda.My money and I have been a little busy, but I could never really come up with a way to chat about it so I'm just gonna spew words and see what happens. Actually, like I usually do. *shrug*I lent/gave my best friend $1,000. About a month ago my BFF called telling me about a situation she's in that I wouldn't wish on anyone. She makes light-years more money than me, however as is

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-44184096527924936362010-02-27T15:02:00.000-08:002010-02-27T15:06:48.267-08:00

ING Direct lowered the interest rate on their savings AGAIN, this time to 1.15% APY. Dude. Seriously. Damn. I'm seriously considered moving my money to another bank where I could earn a higher interest rate, however I know this is really going on everywhere. But still, seems ING Direct is quick to decrease their rates before anyone else. This is giving me a lot to consider, especially the

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-31897355490120883782010-02-11T17:57:00.000-08:002010-02-11T18:01:36.876-08:00

$189 to be exact. I'm pretty sure it has to do with changing my deductions because I always got money back (about $300), however I changed that a while ago. I'm not sure what could have caused it to be that I actually owe money this year. Especially since I made more money in 2008 than in 2009. Oh well, it's not a lot, so no big deal. I just wasn't expecting it. Still though, I want to look

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-75108049138275316282010-01-22T10:52:00.002-08:002010-01-22T14:26:10.184-08:00

I have a fairly decent Paid Time Off (PTO) deal. My employer gives me four weeks off every year, including 8 holidays (6 calendar, 2 floating). If I don't use all my time then I'm allowed to transfer up to 15 days to the following year. Early on I recognized this benefit and made a point to carry over at least a week when I first started. Now I carry over the full 3 weeks and have been doing so

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-3648183377483580422010-01-22T10:52:00.001-08:002010-01-22T10:52:32.090-08:00

Don't you all rush in at once!

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-48898105503137085032010-01-16T08:05:00.000-08:002010-01-16T08:18:45.366-08:00

Since I'd been living under a rock for the past month of so, I didn't realize that Haloscan has moved to the ECHO platform, which means no commenting ability until I get the comments upgraded. I'm in the process of doing that now, so please pardon the dust.In the meantime, if you need to reach me, velvetjones3000 at gmail is where you can find me. :)

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-16364874568812154402010-01-16T07:18:00.000-08:002010-01-16T07:45:12.562-08:00

Short version of my 2009 goals: Done.Taking a gander to the status bars on the right you'll see the new goals for 2010. Read on to get a little detail on them in order of importance.2010 Health Care Deductible Fund—$2,000Do I even have to tell you how out-of-pocket health care costs have gotten? My employer went from a copy to a deductible model so that means I have to spend $2,500 before the

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-27597459170021628032009-11-18T20:30:00.000-08:002009-11-18T21:01:49.465-08:00

Some random thoughts:A small voice inside is telling me that I'm going to need to make more money in the future. The salary of an administrative assistant is not going to work for me long term, no matter how much I save. Sadly, the voice of self-doubt and fear of failure is more persuasive.I've drafted a list of 2010 goals. It's a very long list, but more comprehensive and thoughtful than

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-35406689633069214192009-11-15T20:02:00.001-08:002009-11-15T20:17:32.816-08:00

Yeah, yeah. I've been gone for a bit, and trust me, I feel bad for neglecting my little blog. I haven't written much because there isn't much going on. As Fabulous Ma would say, "My money is boring." Although that's not entirely true.I've been trying to get on the whole healthier eating and exercise trail. For the past two months I've been walking (low impact and free!) about 4 to 5 miles a

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-63681861622239763512009-10-02T10:41:00.000-07:002009-10-03T00:54:32.918-07:00

From Fortune.com, A Jobs CrisisEven more sobering: a report this week from Rutgers University professors James Hughes and Joseph Seneca who noted that, even if the economy suddenly started adding 2,150,000 jobs a year (instead of losing more than 3 million), it would take until 2017 to get the [unemployment] rate all the way back down.Ugh.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-32848729425252856572009-10-01T09:10:00.000-07:002009-10-01T09:13:51.827-07:00

Honestly, there's nothing really notable here. Still tickled to be part of the $100,000 club, no credit card debt this month, all medical bills have been paid (using money from my Health Care Fund), the market as been turning around a bit, so made gains there, however thanks to my overspending during the Summer, my savings haven't grown as much as they could have.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-4802571267624553792009-09-08T15:08:00.000-07:002009-09-08T15:17:24.881-07:00

I've been spending more money than I should, and without really thinking about it. Because of this, I'm almost $600 behind on reaching my $14,000 Used Car Fund. I don't quite feel like a shit stain for this, but I am disappointed with myself, especially because the stuff I spent it on was eating out and entertainment. Being home for 6 weeks recovering from surgery was all the excuse I needed

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-20576088921803825042009-08-05T15:45:00.000-07:002009-08-05T15:57:50.863-07:00

Yesterday, while driving down the highway to work, my boyfriends car was struck by lightning. He heard an explosion, was surrounded by white light, then realized his car lost all power and was coasting on momentum.On a highway during a thunderstorm, during rush hour.First things first: He's absolutely fine. Not a scratch on him. His car? Well, that's a bit of a different story. The strike

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-58476643544252647452009-07-31T15:28:00.000-07:002009-07-31T15:35:10.284-07:00

Hey there everyone!Just a quick note to let you know I'm home from the hospital and doing GREAT. My surgery was on July 29 at noon, and I was discharged this morning. The surgery and recovery so far has been remarkable. In addition to fantastic medical staff, luck, and genes, I made sure to have a good attitude and move around a lot. After surgery, it's important to get on your feet and walk

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-80316576631228821652009-07-18T09:35:00.000-07:002009-07-18T09:58:45.979-07:00

I kid! Kinda... Anyway, I have three weddings coming up between now and the end of 2010. November 2009 (the day after Thanksgiving, btw) that I just got the invitation for from a former co-worker that would be out of town.April 2010 for a cousin that I hadn't spoken to in years, but is nice and came by the house a few times when my dad was sick. This would be in town, no invitations

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-27212326234583689622009-07-16T10:23:00.000-07:002009-07-16T11:08:44.948-07:00

If I laid down right now and put your hand on my abdomen, you would feel a hard, massive lump that extends from the middle of my pelvis, to near the end of my right hip, and up to my navel. At the risk of sounding crude: That shit can't be right, and has to go. I appreciate all the information available about alternatives to hysterectomy, however after a lot of research and thought I've decided

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-54005951966159687822009-07-02T09:41:00.000-07:002009-07-02T09:44:44.243-07:00

I'm still a hundred-thousandaire! Like it matters, pfft. Anyway, even after my vacation and paying the copay on my CPAP my total net worth only took a slight dip. My investments lost $72, hardly an amount for concern these days!So it seems that everything is in order.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-60228282216379135942009-07-02T09:22:00.000-07:002009-07-02T09:36:30.671-07:00

I got a note yesterday saying that starting immediately, the interest on my Chase Visa will be going from 6.24% to 13.24%. Wow, this is what an 800+ credit score will get you these days, eh? I don't carry a balance, so this is a total "whateves" for me. However it is a reminder that I don't ever want to carry a balance, on any card, ever again. I'll have to remain diligent to make sure that

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-67431685196837467262009-06-23T09:50:00.000-07:002009-06-23T10:02:46.425-07:00

Greetings! The BF and I went on a week-long vacation to visit some friends. I have to tell you, it was one of the first times I'd ever been on vacation and was able to completely detach myself from work. When we got home last night, I was able to get online and pay off the credit card for everything I spent on this trip. Reason #50-11 why saving for you vacation before going is a good idea.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-14870093185900569432009-06-07T10:49:00.000-07:002009-06-07T11:05:20.082-07:00

I got a CPAP machine a couple months ago when I was diagnosed with sleep apnea. My insurance covered 80%, so now I'm left with $457 for a machine that is not working all that great for me. :::sigh::: I have a few things that I am going to do:There is a little card inside the CPAP machine that gives info on how I'm using it. I have an appointment with a sleep specialist to get the results. I'm

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-81446817323666473502009-06-05T07:54:00.000-07:002009-06-05T08:16:56.485-07:00

It's official. I know have $20,000 set aside should I find myself unemployed. This amount will cover me for:Almost 2 years at my current expense level, including COBRA coverage.10 months based on estimated expenses once BF and I start living together, including COBRA coverage.I'd like to add another $5,000 to this bring me to a whole year of coverage and hedge a bit against inflation. But for

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-9025422854270975092009-05-30T09:45:00.001-07:002009-05-30T09:45:12.940-07:00

So this is what it feels like to be worth a hair over $100k? Actually, it won't last long. I'll spare you the details and give you the short version.My gynecologist said that I have to have a hysterectomy due to fibroids. My fibroids are so big that she'll have to go in there the old-fashioned way, abdominally. For someone who's only been in the hospital to visit other people, the idea of this is

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-28667926558993960392009-05-22T13:07:00.001-07:002009-05-22T13:18:45.097-07:00

Looks like I was able to toss some extra change towards my Unemployment Fund goal so I'm just one paycheck away from it being fully-funded!But my work won't be over. Over to the right you will notice that I've added another goal for the year: a used car. Actually, enough money to buy a used car. If I'm diligent, I'll be able to scrape together $14,000 by the end of the year. I'm hoping it

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-57119503171874710882009-05-21T13:30:00.000-07:002009-05-21T13:32:39.163-07:00

I've overspent. By a lot. Last weekend I spent $700 on clothes, $400 over what I had left in my clothing budget. The good news is that I've got the money to cover it. The bad news is that it will be money from the next check that will be going to a credit card payment instead of towards my Unemployment Fund savings goal, meaning that I won't be able to reach this goal for another couple

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-73225313875986799852009-05-10T11:05:00.000-07:002009-05-10T11:14:47.109-07:00

Fruit pizza that satisfies a sweets craving with a sugar cookie bottom, sweetened cream cheese frosting, and colorful fruit topping to dazzle the eye? CHECK!A card from both daughter AND kitty cat proclaiming undying love for the care and support mom (and meowma) provides? CHECK!Three bottles of mom's fave booze-a-hol, because let's keep it real, mom like a lil' drinky-drink now and then.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-2299675587626759842009-05-09T08:55:00.000-07:002009-05-09T09:19:03.186-07:00

I know. You barely read this blog and having a post about taxes is NOT helping my case but hold on a sec! Celine over at Feministing was able to interview Annette Nellen, director of the Master's taxation program at San Jose State University, about Obama's new tax code changes. There were a couple very interesting grains of hard-hitting truth she says that are going to make some people very

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-64233420993853178852009-05-06T14:46:00.000-07:002009-05-06T14:50:59.101-07:00

I have $600 burning a hole in my electronic pocket that I'm itching to give away to deserving organizations. Last year I saved up $300 and gave it all to Rolling Dog Ranch, run by a loving couple who take care of disable animals (mainly dogs, cats, and horses) on a sprawling ranch in Montana. I'll be giving them the same amount this year while splitting the remainder equally with the following

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-53650099707074146742009-05-03T17:12:00.000-07:002009-05-03T19:07:49.867-07:00

One of my many guilty pleasures is reading Post Secret. Today I came across this one:Even though I'm in good financial shape, I still have moments like this secret. Sometimes I'll notice that I'm spending money rather freely and I will purposefully not check my credit card statements or bank accounts online because I don't want to see how much I spent. I don't want to acknowledge my

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-86742031232722881912009-05-03T15:16:00.000-07:002009-05-03T15:43:09.643-07:00

I should be doing my hair however I'm addicted to getting past level 2 of DebtSki, a cute flash-based game geared towards college students. Goodness knows they need it.Looking around, you'll find that the people behind DebtSki are the same people behind I.O.U.S.A. If you don't remember that movie, let me sum it up for you:The former accountant for the country is trying to tell us that we're

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-15346765480739332392009-04-30T17:00:00.000-07:002009-04-30T17:44:08.087-07:00

My net worth is the highest it's been since I started tracking it in 2007. I'm over $94,000. What's interesting, though, is that it's mainly being driven by cash. The highest my retirement funds have ever gotten was just over $80,000 in May 2008, however my cash position was $9,800. Now, my retirement is at $67,000 and my cash is at $26,000. Feels good to have that cash in the bank. As far

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-53188185631734448412009-04-22T18:04:00.000-07:002009-04-22T20:01:21.087-07:00

Take the financial health test for yourself at CNNMoney.comFor once, I'm an A student. I even get to be the melancholy genius that realizes that the high grade really doesn't mean much as I disagree with some of it's measurements, especially it's idea that 3 months for an emergency fund is plenty. Boo, BOO! If the current economic climate has taught me anything, it's that you better have at

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-47168922546965197062009-04-17T12:18:00.000-07:002009-04-17T12:23:50.386-07:00

Greetings and Salutations from the cradle of paradise that is Cincinnati, Ohio! I'm here visiting the S.O. and so far so good. :)I bought my plane ticket online with United and booked a seat at the very back of the plane. The flight was full so I didn't have a choice. While I was checking in online yesterday, I was given the option having an aisle seat in the 5th row, which happens to be the "

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-23328207325201552142009-04-16T08:54:00.000-07:002009-04-16T09:05:06.216-07:00

I will catch a flight later this evening to see the S.O. for the weekend. Between canoodling sessions I'm sure there will be some “where is this going…what are our plans” discussion.I can’t remember, did I tell you this? S.O. figured that he’ll move to my city since I love it so much and my family is here. This is great news for me, however I’m keeping an open mind because that’s a long time

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-70613523384379029982009-04-01T17:50:00.001-07:002009-04-01T17:55:48.820-07:00

Slowly but surely, my net work is creeping back up. Cash: Down by $3,000 thanks to the new computer (due to arrive soon!)Retirement: Actually up! Who knew? I'm sure it's temporary.Debts: None. I actually overpaid my credit card by $50.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-35517917464556333422009-03-13T06:31:00.000-07:002009-03-13T07:08:51.710-07:00

That's been me for the past couple of weeks. Lemme explain:I bought 5 pairs of pants online, but none of them fit. And because this company doesn't exchange anything, I have to return these, then buy the same pants in another size. The good news is that they'll give me the same discounted price that I got the first time. The bad news is that I don't get the refund from the first purchase until

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-40444579416111371912009-02-19T10:36:00.000-08:002009-02-19T10:51:47.108-08:00

Dear Universe:Please send me a dozen white-chocolate covered crispy rice hearts from Selma's. I had one last week and I've been day-dreaming about it ever since. Well, in between dreams of Barack Obama making me his "boo." [I know, random right?]But really, I'm about THISCLOSE to robbing an old lady and taking her change purse to get some of these sweet treats! Grief coupled with my monthly

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-28520006640021819412009-02-17T07:59:00.000-08:002009-02-17T08:12:52.260-08:00

Yes, I'm concerned about my job security and not having enough money for the future, but believe it or not, my biggest problem is laziness. I have two fully-funded goals that specifically require me to spend money: My new clothes and computer funds. ClothesWhen it comes to clothes, I'm out of my element. I'm more frump than fashionista and would like to change my look...well...as much as $500

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-83444388026227275522009-02-16T09:20:00.000-08:002009-02-16T10:15:38.416-08:00

Friday afternoon my mom called me at work and said to come home. The palliative care doctor was there and said it would be a matter of hours. I hung up and noticed that I had 10 minutes to make the next train which was several blocks away. My only other option would have been to wait for the next train in an hour and a half or take a cab. I decided that the $35 cab ride home to see my

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-60262170420900934392009-02-13T08:46:00.000-08:002009-02-13T09:35:57.120-08:00

I've been taking the approach of saving for my goals one at a time. For the past 5 to 6 weeks, I've been near obsessive about maximizing and sticking to my budget to save as much as I can. So far so good! Today I was able to check off my computer fund as another goal met. Now I have to see how much computer I can get for $1,200 max. Still contemplating getting a laptop with separate monitor

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-67395147124866359822009-02-11T18:42:00.001-08:002009-02-11T19:04:56.510-08:00

I have a bunch of little things I've been meaning to share. On their own, they don't justify a whole post, so here we go.Dad's health is declining rapidly. We've got him juiced on enough morphine fall a moose. Hey, whatever keeps him comfortable. The home care doctor says we're looking at a few days, but mom and I aren't ready to accept that. How can we?That said, I've sent two options for a

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-1449715687122568382009-02-10T13:52:00.001-08:002009-02-10T14:41:19.204-08:00

Dave Ramsey has a little saying he likes to repeat: "Live like no one else so you can live like no one else." Make some choices that might be deemed unpopular by the masses so that you will live life on your own terms, unlike those very same people.I was chatting with a couple coworkers this afternoon and the subject of inheritances came up (they have no idea about my father, btw).Me: "Personally

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-26730977321533220872009-02-06T12:20:00.000-08:002009-02-06T13:08:02.345-08:00

One of the senior leaders of my company was here to have a chat so they brought in super-tasty sandwiches. Nothing like Chipotle, but hey, it was still tasty and free! Plus I appreciated getting the chance to interact with one of the leaders of the firm, since it doesn't happen often.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-68032778134815398912009-02-06T07:55:00.001-08:002009-02-06T08:23:43.364-08:00

Because I don't have much energy today:We admitted dad to the hospital last night at the request of his doc because he was dehydrated (has trouble swallowing) and his blood pressure was dangerously low. We mad the decision to send him in an ambulance vs. driving ourselves because people brought to the ER via ambulance are seen by a doctor immediately, instead of having to wait for hours. Such

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-38912529376374327282009-02-04T10:26:00.000-08:002009-02-04T10:31:29.900-08:00

Consultant: "Hey, do you have lunch plans today?"Me: "No, why? What's up?"Consultant: "I'll get you lunch if you get me lunch!"Turns out he was in back-to-back meetings today. He asked if I could get him lunch. He would give me cash to cover something for the both of us. Awww! This consultant is SO awesome and considerate. Anyway, I got him a healthy salad with dressing on the side

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-54952878664669476832009-02-03T13:35:00.000-08:002009-02-03T14:15:48.961-08:00

A few months ago I read on JD's blog about the Balanced Money Formula. In their book, All Your Worth: The Ultimate Lifetime Money Plan Elizabeth Warren and Amelia Tyagi suggest that instead of listing a line item for everything in your budget, you should create three buckets:Needs (50%): Things you can't live without, like your rent/mortgage, food, insurance, etc.Wants (30%): Stuff like cable t.v

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-52660353571268092632009-01-30T10:26:00.000-08:002009-01-30T10:43:16.633-08:00

Good newsHe's getting better pain medication, so he's more comfortable and eats more.He's still got his sense of humor, as he jokes around with mom and me.Mom is starting to come around to the idea that she's going to have to start thinking of life after my father. Another relative took her to shop for burial plots and services. While I'm glad for that, I believe she paid more than she needed.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-70554591155108135682009-01-30T10:23:00.000-08:002009-01-30T10:26:43.857-08:00

While I was on vacation in December, I neglected to update my net worth thingie. Off to the right you'll see my most current net worth. Changes since November 2008:Cash increased by $4,000Retirement savings increased by $2,800Meh. It seems rather insignificant these days.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-40370865728984434742009-01-30T06:28:00.000-08:002009-01-30T06:39:53.401-08:00

I filed my return last week Friday, today my federal tax refund of $155 was deposited to my account. One word:DANG!In other newsI managed to get through almost the entire month of January without buying groceries. How? Partly because mom was nice enough to buy me some frozen meals when they are on sale. :) The other part was me insisting that I eat only what's in the house. I have to buy

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-75911210259790758962009-01-27T09:47:00.001-08:002009-01-27T09:55:08.602-08:00

Bird Nest & Mom's Eggs 2005Originally uploaded by bcompetentI've finally set it up with Vanguard to have my Roth IRA contributions automatically taken from my savings on a monthly basis. Turns out I have having trouble with it because I wanted the money deducted on the 2nd of every month. Vanguard doesn't like transactions happening in the first and last 5 days of the month. You think they could

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-43036164208949148722009-01-24T09:49:00.000-08:002009-01-24T10:26:07.175-08:00

Yesterday I filed my state and federal taxes online with TurboTax. For better or worse, my financial situation is pretty uncomplicated so it took all of 25 minutes to get everything completed. Last year I got over $600 back from the fed, this year it will be $150 and I owe my state $11Why?Opted for 2 federal W-2 withholdings instead of just 1.Had almost $400 in savings to pay taxes on.Total

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-62128634347124299282009-01-20T11:24:00.000-08:002009-01-20T11:27:26.687-08:00

...I feel fine.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-29449951120796044182009-01-17T18:52:00.000-08:002009-01-17T19:03:43.580-08:00

I think I'm finally realizing that the two major keys to me saving as much money as possible are sticking to my budget and keeping my spending to a minimum.:::cue epiphany music:::

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-10778314962466994502009-01-17T16:08:00.001-08:002009-01-17T16:08:48.416-08:00

Frustration Originally uploaded by CCBImagesI have a savings account set up especially for my 2009 Roth IRA contributions. Last week I attached that account to my Roth thinking that I'd have Vanguard withdraw from it monthly. Easy peasy right? Wrong. WRONG! I was the Vanguard site tonight trying to set this up to start in February since I already made my January contribution. Why in the

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-68355456109567740272009-01-11T12:41:00.000-08:002009-01-15T10:25:14.268-08:00

It's taken me a long time to get my 2009 budget and goals together because this year presents several significant challenges.My fathers illness. He was diagnosed with pancreatic cancer in October with the prognosis of year. Everyone hopes for that and more, however the statistics average around 6 months.My parents financial situation. Two decades of chronic illness can wipe out any financial

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-78682034962751147262009-01-10T13:34:00.000-08:002009-01-30T12:27:23.741-08:00

I was dictating to supportively encouraging my S.O. to check his credit reports and FICO scores. Giving all the reasons why he should do so inspired me to do the same. While I have to wait until April to check my scores (when I can do it for free, since I already checked all three in April of 2008) I decided to check my FICO scores. The last time I check my scores was back in August of 2007.So I

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-40418562912486490312009-01-05T20:27:00.000-08:002009-01-05T20:30:10.387-08:00

My budget/goals is actually finished, however I still feel like I should tweek it somehow. I suppose it feels a unfinished to me because there are so many unknowns and "guesstimates" in it due to my dad's health, plans my mom has for the house, heck...I don't even know what my paychecks are looking like. At any rate, I'll have something for you to look at before the week ends.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-81810193161874591102009-01-04T15:26:00.000-08:002009-01-04T15:38:56.357-08:00

The New York Times had an article on December 29 about how the current economic downturn is having an effect on divorces.In a normal economy, couples typically build equity in their homes, then divide that equity in a divorce, either after selling the house or with one partner buying out the other’s share. But after the recent boom-and-bust cycle, more couples own houses that neither spouse can

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-69603098226660719522008-12-23T10:25:00.000-08:002008-12-23T10:28:00.426-08:00

For those of us working for an hourly wage, PaycheckCity.com just updated their handy Hourly Paycheck Calculator with 2009 taxes. I've used it in the past to help me get an idea of what my paychecks will look like for the following year and they've always been pretty close.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-77909225104335049772008-12-22T07:39:00.000-08:002008-12-22T08:21:50.982-08:00

Back in January I told myself what goals would be achieved by the end of the year, as a way to "visualize success." The blue bars on the right suggest that I've achieved most of them, but lets go back to that list I made in January and see where I really stand.-----------------"After much thought and procrastination, below are the things I will be able to say at the end of 2008/beginning of 2009

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-1064376063941705602008-12-09T14:25:00.000-08:002008-12-09T14:48:44.986-08:00

I have met or exceeded almost all of my 2008 goals. The one that I was very happy to meet today was being able to donate $300 to Rolling Dog Ranch, and animal sanctuary in Montana they allows animals with severe disabilities a chance to enjoy their lives. My goal was to donate $260 however thanks to accruing interest and being able to chip in a bit more, I was able to provide a bit more padding.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-22472493897738848172008-12-09T09:48:00.000-08:002008-12-09T10:13:36.552-08:00

Thanks to me being like an annoying kid the day before Christmas, BF gave in to my nagging let me open my gift early. Actually, I started it by giving him his first. I was so excited to give it to him. What was it? The Truck Turner DVD! Early on in our relationship I brought this movie up because it stars Nichelle Nichols as a pimp. Imagine a movie with Issac Hayes playing a cop, Nichelle

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-8540652123658739702008-12-05T13:34:00.000-08:002008-12-05T13:37:20.055-08:00

Today is payday!■ I've added $1,000 to my 2009 Roth/Computer fund, making me 90% of my goal.■ I found out my raise is 2.5%. Below market, even for this year, however I'm just happy to still have a job and thrilled that I even got a raise. There are some people that won't be getting anything.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-16544791848840511942008-12-04T11:50:00.000-08:002008-12-04T11:51:55.635-08:00

In a listing for a studio apt.:"--- NO SECURITY DEPOSIT --- TO MOVE IN ----- JUST $250.00 plus $475.00 and $35.00 Application FEE..." (emphasis by me)Are they serious? :::eye roll:::

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-68355591384448278292008-12-04T09:43:00.001-08:002008-12-04T09:48:27.939-08:00

BF has a 75 lb. lovable pup named "Q." Q. is having surgery on his hip, much like the one he had on is other hip a year or so ago. The difference this time is that BF has the money in savings to cover it without having to go on a payment plan/take out a loan to do it. Sure it puts a dent in his savings, but that's what the savings is for, to cushion the blow of unexpected events like this and

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-15148320093469404822008-12-04T00:44:00.001-08:002008-12-04T00:46:08.240-08:00

I made a couple of changes. Obviously, I've added a new template. Also, I've added a Twitter feed to the right. Wanted to see what all the cool kids were talking about.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-89483910655810794812008-11-30T10:29:00.000-08:002008-12-04T09:41:04.928-08:00

You read right. Starting on December 1, I will be on PTO (paid time off) from work. And, AND I'm carrying another 2+ weeks of PTO into 2009. Long story short, my employer has a generous PTO carry-over policy and I'm really good about saving up vacation time. During this time I'll be:■ Spending the first week at home taking my dad to his chemo appointment and packing.■ Packing to head to Ohio

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-42042960747061593572008-11-28T10:42:00.000-08:002008-11-28T11:33:01.980-08:00

Net Worth■ Long-term: I'm losing money. Both my 401k and Roth IRA are down. Tell you something you don't know, right?■ Short-term: I'm making money. More like saving it. My cash position continues to grow. Holiday GivingThanks to having a boyfriend this year, my holiday spending has increased from $0 to $33.64:■ $8.64 for BF■ $25.00 for BF's parentsDon't say I didn't do my part to help with

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-53084563110736866992008-11-25T21:46:00.001-08:002008-11-25T21:46:50.650-08:00

I had my performance review yesterday. Short version: Everybody Loves Velvet. Seriously. One person actually wrote, "Velvet is a gift!" That same person, as it turns out, was the one who gave me the $500 in gift checks for my help with special projects during the year. The worst anyone could say about me in my "Areas of Improvement" section was that they all noticed I've done an even better

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-59761291992655983312008-11-24T11:43:00.000-08:002008-11-24T11:50:25.017-08:00

I just spent 15 minutes on hold with the IRS so you, my dear reader (that's right, you're the only one) wouldn't have to.The contribution limit for your Roth IRA in 2009 for those younger than 50 is $5,000. Why in increase for inflation? Technically, it has been. According to the very nice Mrs. McQue from the IRS, it's because the 2008 and 2009 contributions were adjusted together, and it's

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-437643953752653182008-11-23T07:02:00.000-08:002008-11-23T07:40:40.443-08:00

Good news■ Along with the savings plan I outlined earlier, I figured out that by transferring the interest from some of my savings accounts, I can bring myself within $25 of my $10,000 goal.Not so good news■ Just found out my Flickr pro account fee is due by Nov. 29 to the tune of $24.95.■ My vet my suggest a prescription to help my cat get through a 5+ hour drive in a couple weeks. I have no

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-37692207146794522152008-11-21T11:37:00.000-08:002008-11-25T07:27:38.132-08:00

I've increased my 2009 Roth/Computer Goal from $8,400 to $10,000. How will I get the extra $2,483 (the difference between what I have now and the $10k)?■ $500 gift checks.■ Squeeze $1,000 of savings from my first December paycheck.■ Beat $900 out of my second December paycheck.That leaves only $83 to come up with. How will I get it? ■ Threaten my December paychecks with monetary harm if they

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-58914546276655297412008-11-21T10:38:00.000-08:002008-11-21T11:12:17.559-08:00

The financial cosmos has aligned! By some miracle, I actually increased my income while decreasing my expenses! This means I have more flexibility for the next two weeks. Actually, the cosmos didn't align, I was just kinda stupid and forgot a few things.1. I didn't owe as much on my credit card as I thought.2. I got out of preparing Thanksgiving dinner.3. I was able to get a couple overtime

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-35775944151713603712008-11-20T17:17:00.000-08:002008-11-20T18:17:53.898-08:00

Vanguard is saying that the 2009 Roth IRA contribution limit is $5,000. I've been unable to verify this amount with official word from the government anywhere so I emailed Vanguard asking where they got this information and if it's accurate. I'll keep you posed on what they say.Speaking of accurateLooks like the rumor mill was right. There were more layoffs. One division, which handles more

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-88792321558690670442008-11-19T16:35:00.000-08:002008-11-19T17:49:38.700-08:00

Bad newsMy performance review that was supposed to have yesterday was put off until next week Monday because my manager got sick.Good newsBut she did call me into her office to tell me that the manager for those two projects helped with in April and August appreciated my work, and gave me $500 in American Express Gift Cheques!Bad newsWord on the curb is that very few will be getting a raise. At

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-63250792854899762022008-11-17T05:47:00.001-08:002008-11-17T06:11:02.643-08:00

Mom: "The doctor called. They found nothing wrong with the biopsy they took, so he's free to start chemo next week."Me: "That's great."Mom: "I'm so glad Clinton signed that law."Me: "What law?"Mom: "The one where you're allowed to take of work to take care of a sick relative. The only thing is that they don't have to offer you the same job when you get back."Me: "That's not the only thing.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-38386591446777519622008-11-14T10:58:00.000-08:002008-11-14T11:24:45.933-08:00

I now have a better understanding how governments can be late with their budgets. And I'm just one person. It can be a pain in the ass, especially when you realize that something is really screwed up and you don't want to acknowledge it. Spending that $200 on hair stuff messed up my cash flow more than I thought. Below is what I plan to stick to for the remainder of the month. November 14

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-81558011483604078822008-11-13T13:11:00.000-08:002008-11-13T13:19:21.652-08:00

It's almost the end of November and I can't find any official information about what the Roth IRA contribution limit will be for 2009. I've seen some sites saying that it's staying at $5,000 with no official information backing up where they got their info from. I find this suspect because that would mean no adjustment for inflation. After a year like this one, you'd think that would be

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-5194223950520290122008-11-12T09:54:00.000-08:002008-11-12T10:15:37.703-08:00

This holiday season will be interesting, to say the very least. While we're working around my father's cancer diagnosis, life is going on. BF will be into to celebrate Thanksgiving with my folks and I. Then the following week he'll drive back to pick me up to head on down to Ohio to stay with him for the rest of the month. During that time I'll meet his family. One weekend BF's parents will

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-25636868456115490672008-11-11T13:04:00.000-08:002008-11-11T13:18:42.044-08:00

$217 when you include shipping.That's how much money I dropped on Sunday ordering hair care products. Now hold up, hold up! There's something you have to understand. A black woman's hair is like [strike]minor[/strike] major plastic surgery. We take that hella serious. Since my hair is not chemically straightened (I hesitate to say that it's "natural" because it's colored) it requires some

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-65305753653908604572008-11-05T18:10:00.001-08:002008-11-05T18:39:09.694-08:00

I honestly didn't think it would happen. I really didn't think this country would let a black man become president. But I guess we've had enough. We looked around, reflected on the last eight years, saw our choices, and decided that it's time to take a different approach. I don't believe Obama is a savior. He's not the blood of the lamb (that would be Beyonce, thank you very much). To me,

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-20865820418746104052008-11-05T17:54:00.000-08:002008-11-05T18:31:12.463-08:00

How do you separate the two? Personally, I don't. I don't live in a vacuum. The laws of my town, state, and country have an impact on my financial life. For instance, I've long argued that an investment in birth control and Plan B should be part of the foundation of a single woman's financial plan. The last thing she needs is to get pregnant when she's not ready, or even worse, when she

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-67156225646501362222008-11-04T05:58:00.001-08:002008-11-04T06:01:09.981-08:00

Polls opened at 6:00 a.m. My dad and I were there at 5:30 a.m., which was good thing because by 5:45 a.m. the lines were getting pretty long. From official polling open to the time we left was 30 minutes. It only took that long because there were some problems with the paper ballots. I chose to try again with electronic with success, dad did a second paper ballot and it worked.If you haven't

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-56000008147411157092008-11-03T16:49:00.000-08:002008-11-03T17:15:06.839-08:00

My net worth took a -6.98% nose dive, however my cash (increase of 17%) and debt (100% decrease...it was only $10 :)) are quite strong. In times like these, I believe these two line items are what really matter. A huge boost ($1,100) to my cash reserves came courtesy of working at a week-long conference earlier in the month. Not only a great work experience, but made my bank account warm and

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-27448248757324380562008-10-31T14:14:00.000-07:002008-10-31T14:38:59.996-07:00

Due to the recent diagnosis of my father, one of the things I thought about was how to prepare my mother and myself financially. I've tried to the approach the subject of what happens to us "afterwards" but she really doesn't want to to talk about it. I completely understand, so I haven't pushed her about. However due to the reality of her very dire situation, it will have to be discussed, and

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-86933488050475676072008-10-24T07:48:00.001-07:002008-10-24T08:02:43.076-07:00

1. My father was recently diagnosed with pancreatic cancer. 2. Neither of my parents have life insurance.3. My parents owe $191k on their home from refinancing on it a couple times. Mainly due to medical bills from another terminal illness my father has.4. My parents have enough money to cover their funerals. That's it.5. My folks have been running a small in-home day care business

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-52564880016644865152008-10-15T07:20:00.000-07:002008-10-15T07:24:16.821-07:00

One of the justifications used for sky-high executive pay is that it's needed to attract the "best and brightest" talent. In case you haven't noticed, the "best and brightest" league helped lead the downward spiral of our current economic situation. Clearly, there seems to be a disconnect here.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-47428953502837930562008-09-30T06:32:00.000-07:002008-09-30T06:37:11.423-07:00

As expected, my net worth took a bit of a hit. :) I forgot to do a report for August, so comparing September to July, I've lost about $5,000. The good news is that my cash has increased by a little over $3,800. And right now, for me, I think cash is a little more important.

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-7430564462142836622008-09-24T19:00:00.000-07:002008-09-24T19:10:26.891-07:00

I came across this video while surfing YouTube this evening. It talks about a subset of homeless people that live in their cars or campers. Another reminder that homelessness isn't as far away from you as you might think. It's not just people with addictions or mental illness. The people profiled here lost their home because of a job loss or the current housing market. And how many of us,

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-62936018580817894502008-09-21T12:35:00.000-07:002008-09-21T12:41:57.250-07:00

I'll be going out of town in a few weeks for a week-long conference. I was thinking about getting my hair trimmed and colored for the event since it will be a client-facing gig. However when I thought about how much money it would cost:1. Color: $602. Trim: $253. Tip: $174. Parking: $8Total: $110I decided that I would wear

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0tag:blogger.com,1999:blog-4436760421137103379.post-66038162002520686972008-09-21T12:07:00.000-07:002008-09-21T12:13:42.051-07:00

Last week my employer started rounds of layoffs. I heard the buzz before the official notice early in the week and didn't know if I'd still have a job until Friday. Thankfully, I still have my job, for now. Another thing I'm thankful for is having a good chunk of money set aside specifically for this reason. IfThat being said, I was physically sick with worry. Yes, I have a financial

Velvet Joneshttp://www.blogger.com/profile/14918734111188762591noreply@blogger.com0