The Importance of budgeting properly

I have been really good about putting my pay check into my account and not using for anything else than paying down my credit cards, phone bill, and saving. So I keep cash on hand, form my tips, for gas and small things I need. Well I had a doctors appointment last week and the doctors visit was $75 and the prescription was $34. I hadn't really budgeted for it. So I used my debit card and took the money out of my account and I had plenty to cover it but still I need to be better about planning for these things. I will have 3-4 more doctors visits at that price so I will be preparing for that now. But I also have my gyno app next week and am looking into trying a new birth control so I am not sure what the price will be. It is also a new gyno who does accept my insurance but I still am not sure what the office visit will cost. So I pretty much have automatic transfers coming out to savings and credit cards for the full amount of the paycheck I put in. I am thinking I will have to revise these even though I love the feeling of getting out of debt.

Nail School

Ok so slowly but surely I am saving away for nail school. I really want to have an opportunity to earn extra income. I can do this for the rest of my life and schedule it around regular work and whatever else is going on. can go part time for 8 months for just under $5,000. I really want to make sure I am financially stable for the rest of my life and having a trade that I can do and schedule myself  around a career and kids.

Well I Guess

Since I did a update on my credit card #1 I figured I might as well do an update on all my other money matters.
So you know what credit card #1, credit card #2 is 1,109.44. My boyfriend actually offered to pay this off for me but I don't know. It would be nice but I kinda want to do it myself too.
My Credit Union Account:
Checking-  $100
Savings- $126.17
IRA- $211.59
  I for sure need to keep contributing to my IRA. I think I am going to roll it over to Wells Fargo since that is where I do the majority of my banking. I posted awhile ago that I had a small windfall and so I supplemented these accounts. I don't plan on using this money just letting it sit. I might add more to my savings if I have a little extra but these should basically stay the same.
Wells Fargo:
Checking-$18.14
Emergency Fund Savings-$50.00
5 dollars a day-$175.00
Joint savings with boyfriend-$1000.00
I know my checking is low but I am putting my paycheck in the bank today. My check is $342.58. I am going to put 10% into my emergency fund savings, which will be $34.26. My goal is to be able to save 10% into savings every paycheck and then once I get my credit cards paid down start saving more into that account.


Envelope Savings-
$5 dollars a day- $485 Almost half way to my $1,000 goal
Nail School- $14 (If I remember I will post my goal on this one after this post)
Emergency Fund-$14 - I really don't know if I should be saving for this with my envelope system. I am kinda thinking I will continue doing everything the way I am until the end of the year and then re asses.
Medical Fund-$14
New Place-$14 (This is also what the boyfriend and I are saving for in our joint account)
Elliptical-$26
New Car-$16

Rolling Coins...

So I rolled all my coins and came up with $322.24 and I put it all on Credit Card #1!! Bringing my balance down to $857.83. Still high but under $1,000. Slowly but surely this bad boy is going to get paid off.

168

Yes 168 is my current weight. I am 5'10 and would love to be 140. So I will be posting on that trail. Other than that I would just like to say Happy Friday!!

Love and Lust...

So I am totally loving a few new things I have been trying and thought I should share with everyone...

Rosebud Salve

AMAZING lip balm. I have super sensitive lips that will break out if I use anything other than all natural balms and I tried this and it felt amazing with no break outs!!

Professional Platinum Angled Eyeliner Brush #23

This brush is simply the best thing ever. I do not know how I ever did my liner before this brush entered my life.
For a little self pampering, these feel so good. I have been working nights and getting up early in the morning to get things done before the heat and have started taking naps. And let me tell you these make a nap as awesome as something really awesome.

Now on to my list of lusts...(A very short version because my lust list is always a million pages and growing)
Don't these look like the most comfortable thing ever.

EMU Australia Women's Hip Boot

Shakti Mat

This looks like it would be way cool. I need to do some more research and see what the reviews on it are.

Awkward....

  Last night as I pull into work one of my co workers wife pulls up and very bluntly asks "Can I borrow your car?" I am so so bad at these situations. I can not say no which is a terrible problem. So I let her use my car and then fell sick to my stomach the whole time she was gone imaging all the possibilities that this could go wrong. A little back story to my car, I do not actually own it. My parents do it is 100% paid off and it is a older car. Since I have to commute a ways to school my dad is really stressing about my car lasting until I graduate in December. I know a few friends who have lent out there car and got them back damaged. So that was all I could think about. Luckily I got it back safely but it was still too much of a stressful situation. 
  So what you would do? A bunch of my co workers told me I just needed to learn to say no. But that is hard for me. I am a people pleaser. Have you been in this situation before?

Money Honey

So part of this blogging experience for me is going to be writing about my finances and how I am working on improving them. So to start I will list all my accounts and debts. I work with two banks but use Wells Fargo as my primary, the second bank is a Credit Union in my hometown. I try to through some extra money when I have it just because.
Credit Union
Checking-$100
Savings-$151.17
IRA-$211.59
Credit Card-$1165.71 12.5%

I am planning on rolling my IRA over to a another bank and get back on track with putting money in it regularly.
Wells Fargo
Checking-$33.30
Emergency Fund-$50
5 Dollars a Day Fund-$105**
Joint account with boyfriend- $0
Credit Card-$1155.62

I just opened the Joint account with my boyfriend Monday and they are processing everything so that money should show up by the end of the week and I will update it. We still need to get together and make some goals for this account and figure out what we want to save for.
The 5 dollars a day account is something new I am trying after reading this post at the Simple Dollar http://www.thesimpledollar.com/2006/12/27/a-financial-plan-for-2007-the-abraham-lincoln-plan/.
Today is pay day and I got a windfall of $400 dollars that I will be putting in the bank tomorrow so my checking will go back up and so will my savings. I will update on that later.
I want to learn how to put sidebars on my blog, with my saving accounts and credit cards so I can see the savings go up and the debt go down.
I am also going to be rolling all my change which should add up to a pretty penny and be throwing it all at my credit card debts.
So there is a book that I have been reading, The Millionaire Next Door, http://www.amazon.com/Millionaire-Next-Door-Thomas-Stanley/dp/0671015206/ref=sr_1_1?s=books&ie=UTF8&qid=1280855952&sr=1-1, and it is so interesting. It is all about how people who look like average Americans are really the ones who can be classified as millionaires because they live below there means and the people who drive fancy cars and where expensive clothes usually do not have any money. Right now it is talking about how most millionaires have goals and know what they are saving for and how they want to get there. So that is on my to-do list.
I am currently a waitress and a student. I love being a waitress because getting cold hard cash every day lets me utilize the envelope budgeting system. In the accounts listed above they all get funded with my paycheck, and I try to live day to day with my envelope budgeting. The savings accounts and credit cards are all on automatic payments and I am working on fine tuning all of the above and will give more details on that later. So in my envelopes I have :
A 5 dollar a day fund-I started this one and decided that I needed to have one in the bank too. So far I have $305. I think I want to get it to $800 or maybe $1,000 dollars and then I will stop funding this one. Do you think $800-$1,000 is too much to have in the house?
Hair-$7 I just got my hair done last week ($150) so I am starting over. I really love having my hair done so this is something that I know I could cut back on and save money but if I save a couple bucks a day in there I can afford it.
Nails-$7 Just got these done too. Every two weeks I spend $25 getting them done.
Buckle-$47 I LOVE this store, but wow it is so expensive. So I have promised to stay out of there until I have enough money saved.
Pedicure-$79
Makeup-$37- I have super sensitive skin and have to wear a special makeup that is expensive. So slowly but surely I save up for it.

This was all my savings goals until last week when I added a whole bunch more envelopes. The above envelopes get a couple extra $1 or whatever I have extra every day. The following get funded whenever no real system yet.
Nail School-I will discuss this later in detail. But in nut shell I would like to have a side job that I can earn some extra money with a flexible schedule and nail school was calling my name.
Bob Berg-This is a jewelry designer and I am lusting after a bracelet for about $600
Medical Fund-You never know when a hospital visit will arrive! I am starting with a envelope savings system but will eventually move it to a bank when I do some more research and see where the best place for it will be.
New Place-For right now the BF and I don't live together but it is going to happen in the near future.
Elliptical-I want a really nice one that folds up and is light so I can take it out and do an hour while watching T.V. and put it back so it does not have to become part of the room decor.
New Car-This should probably be among my more serious saving accounts but I need to get my credit cards paid off first and then I will re prioritize my savings.
Lunch w/ the Ladies-Every couple weeks me and a couple girlfriends meet up for lunch to catch up. So I put a couple bucks away for it every day and lunch is paid for!!
Car Wash- Taking good care of your car makes it last longer so I try to wash it. I always use a coupon ( I am on the VIP list and get specials and coupons sent to me) and if I throw a couple bucks in there randomly by the time my coupon comes my car wash is funded.
Vacation-One day...
Date Night-Just started this Yesterday! BF treated me to an AMAZING date night so I figured I should pay him back. So when this gets built up I will do just that.
CD Savings-I am still learning about CD's and investing in them so after some more research I will put this in the CD of choice and watch it grow.

WOW!! This is a long ass post. I hate long posts on blogs too :) After looking this over I realized maybe I took the envelope budgeting/saving too far. Hmmm....What do you think?

Muah!!