
Who are the Joneses? is a blog that goes against the typical American ideal that more is better. Reducing clutter, buying less, and saving money (gasp!) is what the cool kids do.
Saturday, January 31, 2009
Juno's Rebirthday

This weekend...
Take the dogs (or kids!) for a hike or just a simple walk around the neighborhood for some fresh air.
Pull out the board games and play a loved one in a vicious game of Scrabble or Monopoly.
Life's too short, get out and play (or have a happenin' beach party with Skipper and Beaver!)

Ouch!
Preparing for the trip

Tuesday, January 27, 2009
Attitude for Gratitude
I had a really good weekend last week. Yes, and that includes the time I spent at my defensive driving class. I didn't have to work Monday since I'm working on Saturday so it was so nice to have a 3-day weekend. Today's post I'm going to focus on the things that make me grateful.Friday, January 23, 2009
This weekend...

My $190.00...*sniff*
I'm going to try and purge a little more this weekend and really evaluate what is necessary. I'm still getting extremely hyped up about our trip in a few years. I found some books at my fave used bookstore so I'm going to look them up on Amazon and see which ones are worth buying.
Other than that, I have a three day weekend since I work next Saturday. Hooray, time to sleep in; after my stupid drivers class, I'm going to be beat.
Hooray for miracles
Thursday, January 22, 2009
Maybe it's the weather...
I'm just so discouraged right now about my job. I'm not doing what I want to be doing. I hate the repetitive nature of my position and the fact that I have to babysit people all the time, taking them by the hand reassuring that the decision they make is the right one. I wish I could just quit and work part-time again, work retail with its crappy pay and sketchy hours. Why not work at a pet store so I can help educate pet parents about the right food or treats for their babies? Heck, start my own dog walking business so I could spend all day with my girls and other dogs at the dog park.
I'm desperate for a change. Right. Now. And it needs to happen sooner than later.
Tempted.
Monday, January 19, 2009
Needing a change
Crap crap crap

Tuesday, January 13, 2009
Financial Update: Sorry BFF!
Ok, that's enough for now, just had to share the news...which made my day.
Super deal: Extra sugar-free gum at Walgreens.

Recommended product: Gentle Leader

Monday, January 12, 2009
Updated Totals

- $120.62
Credit Card #2
- $2468.98
Total Credit Card Debt: $2589.60
After getting those totals together and seeing the balance doesn't make me feel too bad at all! I thought I had owed more, so seeing this reality really makes me feel great! And the fact that if I used my emergency fund of $2300 to pay off my debt, I would only have $289 left in debt which means I would be debt free at the end of the month (and emergency fund broke!). It's completely tempting to do so, but I'm going to diligently keep it where it remains safe. Still, knowing that, makes me feel empowered! :)
Spent too much money this weekend.
We then ran to a shoe store to see if they had a certain purse there. Now, back in the day I was really big into hand bags. Like, really big. I had to buy them all the time. I justified them as a good purchase because they could last for a few years, unlike some other purchases. Anymore, unless I happen to find a really nice one I can't live without, I don't buy them. While shopping with my BFF in Oklahoma, I spotted this large clutch that I just immediately fell in love with. So did she. Being the total bitch that I am, I bought the bag for myself thinking I could find her one too. I tried to find it desperately online but to no avail, I couldn't find it. Well, guess what? I found her one yesterday. The last one. Whew. So I'm going to mail that off to her. So that should be a nice surprise.
I also needed new shoes for work. Desperately. The only 3 pairs of shoes I wear to work are getting worn out. My favorite Guess heels are falling apart. The bottom part of the heel came off because it was so worn down; when I walked, you could hear the nail going clack, clack, clack. The other two pairs of flats I had were just getting worn out (I had bought them 1 1/2 years ago!). So I found a really sexy pair of Guess heels for only $47.00 which is awesome because they're normally $115.00 and I found a really nice pair of black flats for $40.00. More money than I wanted to spend but I thought it was worth it to get new shoes.
Boyfriend was nice enough to take my car in today to get the oil changed; since I only use synthetic it's always more expensive. Damage? $55.00. Obviously there was no way of getting around this and boyfriend said he'd pay for it but too bad, I transferred the money to his account. Sucker.
I know what you're thinking, just have him do it to save money? Au contraire, he was going to, but because his forearm is too big there was no way he could get to the oil filter so he took it in. Jiffy Lube was nice enough to give us this discount card where you save $7 the first oil change, $8 the next, $9 the next, etc. They also let bf use the $7 off coupon on my oil change and $8 on his. $15 saved. I'm not going to complain.
Anyway, I had a good weekend; boyfriend is leaving to visit his parents about 6 hours away in Northern Arizona so I won't see him for a week. I'm used to it by now so no big deal, he needs to see his rents anyway as it has been almost a year.
Currently reading: Your Money or Your Life, Joe Dominguez and Vicki Robin
Friday, January 9, 2009
UPDATE: Emergency fund vs. Credit card
The advice that she was given was to leave her EF alone and just pay on her credit card. I think his advice is solid; if I had 8 months left as well, I would do the same thing. I just have 4 months left to pay $3400. I think I will continue my payment schedule as laid out and then if worse comes to worse, I'll use my EF as a fall back.
I hope I don't have to use my EF at all, I don't want to, but I also don't want to have to pay $100s of dollars in interest to keep the cash on hand, you know?
Cost/Benefit: Using emergency fund for credit cards
Here's what I determined would happen if I used the emergency fund that I have built up right now (while still contributing 10% to it at the same time) vs. not using it to pay off credit card #1 before June 1st.
Jan contributions= $100 emergency/$100 payment
January balances= $100 emergency fund/$1000 credit card balance
Feb contributions= $200 emergency/$300 payment
February balances= $300 emergency fund/$700 credit card balance
March contributions= $200 emergency/$300 payment
March balances= $500 emergency fund/$400 credit card balance
April contributions= $200 emergency/$300 payment
April balances= $700 emergency fund/$100 credit card balance
May contributions= $300 emergency/$100 payment
May balances= $1000 emergency fund/NO BALANCE
The Good and The Bad: Money edition.
The Good:
I put $317 towards #1 credit card. It's a 0% interest credit card until June so we have to get that paid in full by the end of May; there is no way in H E double hockey sticks I'm going to pay back interest on that puppy. My emergency fund is slowly growing every month, thank goodness. It feels good to see that balance get larger every month!
I need new contacts. Bad. I'm wearing my glasses today, ugh, and I may just have to use the emergency fund money to buy 6 months worth of contacts. I don't think I could continue wearing my glasses; I'm already starting to get a headache. Damage? Around $200. :( Upside? At least the money is there and I don't have to rely on my credit card! :)
My #2 credit card sent me a letter stating they're raising my interest by 2% (!) due to the credit crunch, not due to my credit or anything else I may have done (which is nothing). Ugh. I have the best rate that they offer and when I first opened it, it was 2% higher, so I've done really well in lowering it, but back up she goes. This just means I have to focus harder to pay it off--not like I'm already not doing that!
With boyfriend out of work until at least next month or until he finds something, I'm responsible for taking care of the credit card payments. :( He was making AWESOME money and we put a huge dent in our card debt and now it comes to an almost stand still. That just sucks. Once he starts school though, the VA will send him another check and that extra money sure will help, but not that much, especially if he isn't working that much.
Conclusion: Although things aren't going exactly my way, I can handle the extra little pressure. At least I have a job! :)
Thursday, January 8, 2009
The good and the bad...

And this is why you declutter...
...But I have mentioned before that hoarder is serious disorder and a lot of the time the hoarder needs some sort of mental help to identify the problem.
Crazy and tragic...I wonder why the Council didn't step in and help? Did neighbors do anything or report it? Too little too late I suppose.
Love

Boyfriend: Not really.
Me: Hey, I got this on the streets of Spain.
Yay!
My 2nd card has the highest balance at this point, but I'm still working out my amount with boyfriend's amount. I will definitely be debt-free before the end of the year, I can feel it.
I got the book Debt-Proof Living by Mary Hunt from the library on Monday (she also has a website) and I'm almost done with it. I've been devouring it everyday and learning new information everyday. If you haven't read it, I HIGHLY recommend it. She has great insight on managing debt, as she was $100,000 in debt once. YIKES! If you've read her book or are familiar with her ideals, last night I discussed with boyfriend starting our Freedom Account. This is basically a separate checking account that is used only for larger, expected (and unexpected) instances that sometimes require large amounts of money.
One designates which categories are going to be covered by the Freedom Account. I chose Clothing, Car repairs/upkeep, and Vacation. Then one figures out the yearly amounts in which to cover those categories.
- Clothing
- Car repairs/upkeep
- Vacation
I'm really excited about starting this! I've put my credit cards on ice in the freezer and once credit card #1 is paid off, it's going to be closed. I will continue to keep #2 just because I think one should have at least ONE credit card, just in case. I feel I'm pretty well-informed on financials but after ready Ms. Hunt's book, I feel even more empowered. Check it out if you can! :)
Tuesday, January 6, 2009
Money and families.

Living:
I believe we should live within our means (another new concept, huh?) and that we should save for what we want, not act on impulse, and really evaluate all future purchases. My parents feel that they need a big house (3000sqft/4 bedrooms/4 bathrooms/pool) for who knows what reason? It's not for when all of us kids come home because only 2 of the bedrooms are actually for sleeping! One room is for my dad's computer room and other stuff (which is packed to the hilt with stuff) the other is for decorations and various crap (some which haven't seen the light of day for 20+ years). Oh, and they have a two car garage that is so full of stuff you can barely walk in. Not kidding. Anyway, my mom stresses out so much about the house, and who wouldn't, but she's not willing to part with loads and loads of stuff, like she needs to.
So, I may be ranting a bit and all families have their differences, but when I'm home, it's so nice but at the same time it's stressful because I feel like I'm being judged and my "hippie" opinions don't matter. At the same time, I'm glad I'm not like that, I'm glad I think differently and outside of the typical American ideals; I guess that's why I started this blog...I like who I am and damn it, I'm happy. And that's all that matters, right?
Monday, January 5, 2009
Back to work!!
Everyone is in a really good mood, which of course is never a bad thing! I got boyfriend for two days, the 1st and the 2nd, so I can't complain. We don't do much when he comes in since he's driving 3 1/2 hours one way and he works 10 hour days 7 days a week; we generally just sleep, eat, lounge around, and watch movies and TV. I can't wait till things get back to normalcy and he's home for good so we can get out and do things! He could be back as early as tonight and as late as the end of this month. BUT..it is ending and he will be home soon. FINALLY.
The girls thoroughly enjoyed my being home and spending every waking minute with them, and I'll tell you what, I loved it too.
I feel like this year is MY year.
- My finances are getting in check and after reevaluating the bills, I don't owe as much as I thought, how lovely is that?
- I have been working out every single day (except for the 2 that bf was home) for over a week now; I found a great couple of fitness segments that I record on my DVR so it's like getting a new workout everyday for free! Sweet! (One is Yoga and the other is a high-intensity cardio workout with weights)
- I'm going to be starting my dream job very, very soon. I was supposed to get hired last month but because of the economy and the hiring freezes, I can't start yet. This has been in the works for over a year now.. I cannot wait to start my career!
With all of the changes at work, I'd better get back.
HAPPY NEW YEAR EVERYONE!!