tag:blogger.com,1999:blog-74377598687971797592024-03-14T07:07:11.269-07:00Grad BudgetLife long learning and personal financeJuliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.comBlogger48125tag:blogger.com,1999:blog-7437759868797179759.post-89246684378911455642012-09-17T06:00:00.000-07:002012-09-17T06:00:01.967-07:00Grad Student Life: I got overwhelmed.One thing that has happened to me with increasing regularity while in graduate school is that for certain chunks of time I've just had to buckle down and work hard and long hours for several weeks. This results in serious slacking in other areas of life...(like cleaning, and cooking, and socializing, and exercising, and everything healthy.) Or maybe this is just me and I haven't figured out how to balance life yet.<br />
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However, there have been a few things on my mind besides research:<br />
<ul>
<li>Coursera (<a href="http://www.coursera.org/">www.coursera.org</a>) is an incredible idea; it allows people to take classes (given by several respected universities) for free. As someone who thinks educations is important, I've been curious about this new technology and they offered an Intro to Finance class so I enrolled. I'm really enjoying the experience!</li>
<li>I'm in charge of bringing in speakers for a seminar course this year. While this is an incredible opportunity, it has also been time consuming to get started.</li>
<li>I think I could defend by the end of 2013. (There. I said it. Now I have to make it happen.) This is earlier than I had planned/expected, but it would also give me the best chance to travel for several months before starting my next position (from what I've seen, hiring often happens along the academic year so I could be starting a real position in fall of 2014).</li>
<li>I bought tickets to see family over the winter holidays. I will not be buying anymore tickets to travel anywhere for the foreseeable future. Hopefully that means I can actually save some more money. </li>
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Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-21644538778534384262012-08-02T06:00:00.000-07:002012-08-02T06:00:12.096-07:00Actual Expenses: July 2012The last month has been rough (even by typical grad student standards) and I've been feeling more than a little behind. One of the things that helped clear my head was taking a look at where I am now in comparison to where I was a year ago and I must say, things are certainly much much better! I've officially been tracking my spending for the last 18 months, which gives me a bit of data to look back on. Instead of just looking at the past month's expenses, today I'm going to do a little bit of a comparison. First, a look at where I was a year ago.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhX-Tu_oSm9g4q8oH88hrbNiiF7Wl0jnQn4cep3XOGNbAQI9K0R-jDy9zokCRdCvh2gs3ApZVTvta4kgyEazFK5tgiq2dzCBLG-r7-QQX2S4yGVVJ8xMvH3uYMKI14pUfWfFbD_H9z0rrva/s1600/July2011_actual.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhX-Tu_oSm9g4q8oH88hrbNiiF7Wl0jnQn4cep3XOGNbAQI9K0R-jDy9zokCRdCvh2gs3ApZVTvta4kgyEazFK5tgiq2dzCBLG-r7-QQX2S4yGVVJ8xMvH3uYMKI14pUfWfFbD_H9z0rrva/s400/July2011_actual.png" width="400" /></a></div>
What's that? Where is the savings? To tell the truth, the above was actually more than I earned in a given month. I had to take out about $100 from savings a year ago to cover my expenses. PF bloggers all like to say that the first step is to stop spending more than you earn. While I agree that is a very important first step, I think tracking what you earn versus what you spend is a realistic action that can help you get to the point where you are spending less than you earn. If you don't <i>know</i> you are spending more, or how much you are spending, or how much you are making, it's going to be very difficult to come up with any concrete plans to rein in said spending.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicya2MzTY6l2-9DB4B3X_zOBmHiOxh0z69ijEe16yIpcOSeFADMGJs8dLz8KsooVFm02f7X8WmrKYhr5uEZ_HGGFTSLjUki_og2foJSF29l75K7K4kiqkGbDxXghtOdY2N5YwuvjRQtson/s1600/July2012_actual.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="267" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicya2MzTY6l2-9DB4B3X_zOBmHiOxh0z69ijEe16yIpcOSeFADMGJs8dLz8KsooVFm02f7X8WmrKYhr5uEZ_HGGFTSLjUki_og2foJSF29l75K7K4kiqkGbDxXghtOdY2N5YwuvjRQtson/s400/July2012_actual.png" width="400" /></a></div>
<u><b>Bills(Apartment, Utilities, Phone):</b></u> I've reduced my expenses from 49% of my budget to 28% of my budget. I can certainly be happy about freeing up 21% of my money! <br />
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<u><b>Food:</b></u> In the last year I've gotten way more consistent about bringing a lunch and not eating out as often and it shows. Saving an extra 5%! AND I'm even within my budget on this.<br />
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<u><b>Health, Random & Transportation:</b></u> Nothing exciting. I had a medical bill I wasn't anticipating (really? It takes the lab until now to bill me for tests done in February??)<br />
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<u><b>Airline Tickets:</b></u> Apparently July is the time I plan out the rest of my years travel plans. I'm visiting family much further away this time around and it shows. At least, I've managed to cover the cost within a normal paycheck!<br />
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<u><b>Emergency Fund:</b></u> Automatic savings is a good idea for me.<br />
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<i>How was your month? Have you compared your current spending and your past spending to see if your finances are improving?</i>Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com3tag:blogger.com,1999:blog-7437759868797179759.post-89086597929568799102012-07-31T06:00:00.000-07:002012-07-31T06:00:09.250-07:00August 2012 BudgetOuch. July has been an expensive month...so I'm really hoping that August will put me back on track with my goals. If all goes well it should!<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaDA0OATY1GO29WXOdC2W0pv0MHw4okhd6YOnhlT078tPQ4HSVA7TOtTCpRRvis7IobF1wJDLBwZGzzuCb6OGWrOTcV6YuQMXBMnx11pxLKBJuoHg89tpeS5EDovTXDkdyHrBcJzQw2gJl/s1600/August2012.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="277" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaDA0OATY1GO29WXOdC2W0pv0MHw4okhd6YOnhlT078tPQ4HSVA7TOtTCpRRvis7IobF1wJDLBwZGzzuCb6OGWrOTcV6YuQMXBMnx11pxLKBJuoHg89tpeS5EDovTXDkdyHrBcJzQw2gJl/s400/August2012.png" width="400" /></a></div>
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<i><b>Bills (Apartment, Utilities, Cell Phone):</b></i> 31% on the basics. This shouldn't change much for the next 6 months...and then we get to reexamine the living situation. Is it weird that I'm excited by the concept of living in the same apartment for <i>6 whole months!</i> I'm sick of moving. I've moved 16 times in the last 8 years (I just counted, I'm even surprised the number is that high...).<br />
<i><b> </b></i><br />
<i><b>Health:</b></i> Why did I think it was a good idea to schedule my doctor and dentist appointments in the same week? Oh? What? AND it's the same week I'll have family in town (or was that not the most recent change in plan? Wait, I'm three plans behind?! Oh... )<br />
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<i><b>Food:</b></i> The same as usual. I need to learn more summer meals (aka things that aren't hot). The only dinner food I know how to make that doesn't involve a stove is salad. Suggestions?<br />
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<i><b>Random:</b></i> I will have family in town at the beginning of the month and will be traveling (and taking a WHOLE WEEK OFF!) and visiting other family at the end of the month. Hopefully this will cover the miscellaneous expenses.<br />
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<i><b>Transportation:</b></i> Gas, airport shuttle (flying back later than the normal public transportation is open...) whatever else comes up?<br />
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<i><b>Slush Fund: </b></i>Pretty please, let this happen! Although I moved three months ago, I still haven't managed to build up the cushion in my slush fund that I would like to have.<br />
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<i><b>Emergency Fund:</b></i> Nothing new.Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-17099366012764288652012-07-10T06:00:00.000-07:002012-07-10T06:00:09.950-07:00You will give me $200? Yes please!<div class="separator" style="clear: both; text-align: center;">
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At this point I'm sure that almost everyone has received some sort of promotion from a bank offering you money to open an account (savings, checking, credit card etc.) I've mostly been ignoring these offers but the offer I'm looking at right now will give me $200 for opening an account. By depositing $1500 in the account and leaving the account open (and ignoring it for 6 months) I fulfill all the requirements to get the $200. Those are fairly easy requirements for me at the moment. The only question left is <b>how does this compare to the interest I would be earning if I left that $1500 in my high interest savings account?</b></div>
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First, let's look at a simple version illustrating how much interest I would get each month on $1000 using 1% APY.<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipYQ1PCdLnznF0uFq5QDiVkM-0x6XRoldi4qmna-8vPcat6F9m-W-q8zyfPzhyphenhyphengb9NQT-HZxUYF5Z3aDzkia3M9ydMznkqf886LrlWyArMpVKnI1D1EigLSNHB68_44KvF74x8agHenTrN/s1600/Interest_Example_01.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="80" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipYQ1PCdLnznF0uFq5QDiVkM-0x6XRoldi4qmna-8vPcat6F9m-W-q8zyfPzhyphenhyphengb9NQT-HZxUYF5Z3aDzkia3M9ydMznkqf886LrlWyArMpVKnI1D1EigLSNHB68_44KvF74x8agHenTrN/s320/Interest_Example_01.png" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Here is an example of what a 1% APY interest rate would earn in the month of June (with 30 days) on $1000.</td></tr>
</tbody></table>
Now, to do the calculation with my real numbers for a 6 month period (roughly 180 days, I'm clearly doing some rounding...but the exercise still proves the point.)<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a 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" 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" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Full Disclosure: This is what it would be if they only gave me interest once every six months. I've found that banks usually do this on a monthly basis, meaning you should get a bit more because of interest accumulating on the interest you've already made. I've chosen to use back-of-the-envelope math to illustrate my point.</td></tr>
</tbody></table>
Wow. If I left that $1500 where it was I would earn $194 <i><b>LESS</b></i>. Clearly it's a smart move to take advantage of this $200 offer! Just out of curiosity I wanted to figure out what the equivalent interest would be.<br />
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ouOhuR+06grlW10wus33h8t2e+75H1KSwG1bX8i2zAkwDsn4HPOMD4B07Wh/BZwhGgn4/qEQbhKmCOt/ZtsWvbet/pEwgmb/TtnRtOPdzooncIG4/tCd/0hQLfvcdQvJ8QtXsvVACiNlkAeQmkhV5CGkIsAjOZDcQBIpB2ULDaQaUhlaU+ycrZv9y5edvXH66xqNID9cQfD2jvj+Rf0vq8AT+oaxXbtDuwxooHsj7wwVPXvORx3+rQW5hkF1PQBafuTwAE93jyC8BvTlwlUCb+DrLCWBlyFIy4B/AQ1XbZ0EV/8AAAAgAElEQVR4Ae2df6xl1XXfPQ6YePCUscM0QSA4phJ2ZE+wXGiNinGtjqtWYUqlSFgOjri0NZYmllJkj/9opfTyR6QIjPxPoLal1tA4gwDRyiayrGCpelOqyILEYCy3OBXnYUEsgfhtkDE47vo8zhqvt2fv8+Pe897cH98lrbfXXnvttff+3nv2umufc+97y1tEQkAICAEhIARWGIE9K7w2LU0I7DQCp9kAbzM+w/gs47ON/8r4F8YiISAEFgQBBboFeSEWeBp7bW7/wJiNHHra+P8Z/x2VGYjg8JvG7u9JkzeN2+id1njA+IdtRta2z/hi4wc67MZorsxJnXH0HtN1zTPTTSohIASEgBDYbQQqG5CNnOwkx8dMTxDsSwQ4+uR8oTvY4uho6PcFky83PteY4Ee/I8a1sfs2cceJtTOv+4x9XMrKWCQEhIAQEAILjsDE5sem/bwxQYUgBVESaOLG3hag6ANdZOx98FkZOxGsvI3MLUcEMrfpKgmAu01TG9DnVe324BpPCAgBISAEhiFQmblv2m8tdE0zs7bMjkDp/uiXUgyc07SxqfcNdKciyDHFOL+qmbMKISAEhIAQWFAEpjYvD0yUuSBWJTZs9DmK2VqdMSCQxrFyNnSLgSTaI9PnMEankOL8qlM4Dw0tBIRABgE/kso0SbWmCFybrPs8q6cPVzyZ2JyZ1L0a+5HZpZQ+0HJvapDUT2/qb2vKn1qZ+ki6qCoEhMC6I1A6mlp3XNZ5/X+RLP5nSZ3qr2d0qYp7d/sb5aaVTzVyWhBIv2J8o/F/TBuTOkHtDeNXG1aQSwBSVQgIgZMRUEZ3MibrrrnBAHiv8fnGtxlvGqf0rkTxSlKn+qdBd3OQU5EA+OlUqboQEAJCYCwEFOjGQnJ1/JAtfaRjOf8iaf8vSf0Mq/N9NqdvurDkJfccf8OY9b1k/DfG3CccSvj5beP3G//E+Gnje4yfMd5tusQGvNL4Hc3A37fyTuOfG/+x8R8a854QCQEhIATWBoH0AZLcgyjx6wQEAvrAU2PqcG181Jig0UX+sAd2fDg7ZDxtGB+V8U6Sj+9zjyVzmRi7rjK5RHut4WFjt+Up1FivrY5NShNTeB++nuHsuvRp042MPbYTYycCnPdnDuCYWyevpUgICAEhsDYIEKzYZH2D5KsBOUo3TDZi7zMxmU02bvBXW72N3N+Xzcj9ECRgr9cm54KEqWemfdbT/VMS1JzAgvXHduTKOEenmdJtuX8ZiQzP23I+wIux6sSO1wJM0u8fErSiP2SCH34gxkdHf9aYUuxfpY2qCwEhIARWCQE288PGE+O4+bFJ5p6iNPUWeWBKN1v8RYqBYhobEnlidffFPCIR3LyNMt30o+0QOfV7oNCZIB3Hrwp2ERMCdEr4j37Sdq/Xwa7tA0IV7FhLJPdRRWUi+4eKNpuki6pCQAgIgeVDgKDhm2/M5NCxcaeBy1fo2VrsUzqi9E0Xn2mm4/48yJY29pgx4mePd5yjjPPyTKjkztfL2FXBKGaf2OWwi37S40h3y1zoD4NviTxrSzFlXO9fGgOfVWNHKRICQkAIrA0CBJCYhbFh5jbLuGFjQ58S9dm4K+scjw1zvjZM6Rv4JGcwQBfnhM8u8kCMbVUwjjbYgWVKMeur0sZQ93VS5vDH1PEI3bbEGOhKR5cYkgW2rWfLmf4IASEgBFYVga5glwa6i1qASI/sSht3i4utphgkSoGky4e3e5DAD0d4XRTHrgrGBDaCHdiV1tjHD+5j0Mwdg3qQKmXAMdNmjayXI2peC+4lOo11DOz+VAoBISAElgaBmBWwUcKR4oZNW+6Yzu0JAO6DsrQ5u32prKwh+mGzn5VioGYtXRTXW3UZN+3MjyyVQFobx7kjV8Ylom+0j8GJPh4IS7jzwSP2T+Xa2ts+nDCGSAgsDQKlC2FpFqCJnhIE+EWS48nI6b2gpLl39YLEkkBIZtH1Xn096ccvrsxCjHNx6Pj3gzyGSOZERvWK8f3G1xvfYfwe403jPvSqGUX8P5l0usnq/NpM6ZdjfmhtjFeiyhoeM+6TzZZ8SC8EhIAQWFgEKpsZm3HXJ/qYxZARkEU40T9mCW1BKs3ooh8eYIl+Skd+jEtbtJ312I25Rj9t9xcZF4pYVFuak/+wzto4+k4/HExCe2VyG6VZmdvyNCxjHHBFR8kc0v+pF+fI2kRCYKkRaNuAlnphmvxMCHCUxmb8DWM+0c96jPjX1jeS/xhz1PWRL02MPpXU26p9N/rUB1nQI0H5eJDnEZ+zzlXjgGyMwPdoU/dirws9SrKySP7BhJ9e2zRu+5UVMrV9xhBz4IMJ82E/INPbNHa61QWVQmBZEVCgW9ZXbmfmnWYv/2HGYf426XdBUo9VNthI3w2VF4OM+HRSj9UPxorJYwWoCxO/s1T5ALE/dPxokLtEMq7SEeJ1ofMtJhMoK+PfMy4R1/z1xjkbMjkC6LuN7zR20j7hSKgUAkJg6RFgQ43HVsdaVrSR2KZfII/HYUOOHGMmFo8jCcJ7WuZDe5x7i2ln09hfL5iGuSGXaGoNvoaqMTpqJff0csRDKG4fyzacaMO2zjkMujMaO2wV6AIwEoWAEFhuBCY2fd8w2Vxj0Ikr883SbSnTJ/8q03l7KSPB5yTY8bRjJB9nIyoLso9FSQY1L7F+9+nHgiWfbkeZC+p9n+KMY1bNYNwjKwU6TPgwEsefomwhx5Q+pdeX7tFOga4FUDUtPwIcm3Rd5Mu/Sq3AEYgZQuXKTDkxXdxcuceTo7jB595HMWvAX+4BkonpaWu7Xxgz0dpsxyDmEtdYun8W11iaJ8HKfZWCVrTBdmoMTY1LfWiPWS/99qFsoRjA6hY7nw+ZuWj5EdBe3vIacoG1XWQtXdW0pAgQkHxTZrMjGEUi4Hg75TQ2JnIMnNjGbGev1aOfQ0nfWPVgQvYS58OmHYMc79Uxsw8ynjjHGKwJhIwX213eMH08ak0DOuth/RBtvgY+MESfHmzSe6f0i+R98NtFMdD5fOPrwms2NfY2n2eXX7UvNgK8R2BRgwAXAptZvMfCBTQ17vq0aCYiQ4DNgg0XLEtMO4xtSl39S/1SP7PW2cQ9uPiGt2E6l73kXlYXMdfoq07q+IobbclfvAeHj3Q+01LHOfXMP47ta6dk4+CamBhHvcv0dWrzg73f40yDa5+MigCJj4M+WEvJPLDlNQF3D5I+Zy/5UJF7b5patCQIsPdoL8+8WFwo/kYvlV2fLqNbNkwuYGcuLMAfSlyclfGi+Gmbv38KL+GX07M2JzDK2eR0lXfaoZLXj/Ww2RJYKMk++gQ4M9tGZEP0xQ88ix/mM236+3wmVo9ZnlV3hHgP8tqwDpi5ODF+ZUzQQ8a2jehbGeOndJ+MTKpvoDlmtrw/+hLjRmI+6Jz7jht9SF4sBMbey3Or4z3KB6XDucaCbp693N+nBdcn1FyH/sHxhNKFeCQ1aZR86qsbmQuSzYULCn0btX1SpP/UeE+bg6YNm9KnaffTw83WWGP46TPWxIyY2xAGL6fKhL59sRWtNwIEVt4vfCARCQEQGHMvb0PUT2qOthk1bWPs5YzjeyP7OcGMvZPYRGDnGqiN3cbE7USk9MYqNMVA52qcYXvIFUkZQcaW6LrXOOp9LCZYIiK/2/GpIdryydPb6pKDRj+Wn45htjXzonogbwuwpUzE+x8zP75OMOB1Yj3ebqJoDRDg9eZa4r0UrwOWftSY90jpvYSNaH0QGHMvb0ONLM73Jt6DbTTWHuyxx8dtK2PycGJuGybRaXpC86aQC3S0YMvGm5IHINpyxx8EvHRyOTv8+pywz9kQQN0Xx2AlGstPyX8fPXj4XGPJ3EoU10cfbWQlpFZfHz8kxuvONxA+EImEAAj4fjdN4Bi6lyfdt1X9FMH3sq5A53PCfp69vG+gywY5VuATZnONlIKDA7el5EKL5Bt6bjFul/rIXaQeMBmDTw4ligvPLW4sP6Xx++rToBUxZBPLUbQ5mDOQbm0Q8KyN90QdVs21gy69boOJxDVCYI+t1feN9D0xdC9vgy0+qMh4bYFuzD047ve+Ti9rm8fhtknT5sZpgErB8QvOA1oMdDGAYRfb0vHx62NSprZM2tvbMhleTLfLPZ02lh8bZm7iRfC5piXHDZF8A8NuGhskryUCla3a3zO+qfi1OFlLRLToHALxxGyevTzn23WHTPD3opf+nnSbWNbBfp69HJ8e6FgbzHrhNH6YKk8+YaJvpFKgc/s4QGUdXU/JZl0in7Dbx2wspsXxmKbkq7YG98MnGqex/Li/McqYwvucvXT/MSCyNpEQAIF4fOnvmdJpgBBbTwRisjHPXl5Cj+DCe4+9Pb4fS4Fu7D3Y40aMO6W5ZvV+4aSBJQ10LJRFok8f34wbNP5q4xIdsgYfk7IKhrxA3sY4XYSN2x8IxmP5CS7nFnmBfK5pyYMGMUOlHbxFQsAR4P3AZgbPfLG7M5Urh0DcX+bZy0vA+JElCcXE2PewUqAbew+eOdClF8t+m3xtXNpg37C23zX+gPEDxpHS+l/ExkQ+L6nH6lWhclaQ+4gfCkZj+Qku5xb5FzDvLnj5rOlfCm3vMRm8RULAEeD98FTDvJdEQiAiEN8T8+zl0afLfHf2SuOPGRPgODLsooXZgz3Q3RJmXJn8ujGp6cXGfel5M2QT/7zxvzL+tHGJ3p80vBjq1wT53iD3Ed8bjMbyE1yOIm6aFzBqo9+3Rv5dikgICAEhMASBMfbydDzixIPGjxh/O21sqe/UHkxAJxk7ZDxtmKyyMu4kT0NzJUGMtJGUdQxKx4g+41EkY3ZRyb6kL/kbal/y01dfm2GKg9f7+pCdEBACQiBFwPeRXDnLXs7tKnxxz83JjxHRl44uh+6pXfY+Jl8n87UxN58futp4r/E2Iio6nWnCK15Jyv1Wv7VhsrZN41np8qQjqXCJmNMQ+rgZ35bpMJafjOuZVe+zniW8eUFz65h5MHUUAmuAAJnH13ZwnS+b77aTqh0cepDrMffygzbyJ4zZW18bNIvtxmPswa82Lq+3klOxm8MQ/85k9tOqKd9lJUG9SDwU4dGyVLL4WSn6JIKnFKP60bQxU4/20V/Uz+MnM+RoqkPmKeIR5XNHG0WOhMB6IHDAlhmvoZ2Q/XbPMiA6717OCR4Y1pnFenZFe2l/HXsPZhzGuzozH1TsmbQ7nziBzL1onzPD040vNS7R96whZoMlu1QP8E4vmPABr4xU/mDB/HRN59+0GDxpbSdeqBY7NQkBIfAmAs9Y8fd2kMlK4gMfb466uH/n3cu/1Cztfadgibm9/B6bByeAdxfm85Tpj4e2a10uBSue7nrImJuPZxlfaPxnxqSwTjeYcLNXepRkgTxZ6ERq2UWvdBkk7Zclda+O5cf9jVHyqSTimfP5DVMezjXsgO4fmU8uDJEQyCHwJ6aMm0jOZhF0HC+KfonArHv5ReaCI8LrjF/9pbuZpTH24E0bHW6ju6zxisbgq1bejlwKdLRFIhXkawV/a+zB6iaT+wa6A2ZLFgiRyRHk8NlFBNghdEfBeCw/BfeD1aTYvCBOv2WC4+M6yiuNDxkPedKJfrPQr1qnc2bpqD5rgcDb12KVq7/Ivnv5YwYFe/XtI0GyW3vwN5P58gDNa64ja9gw/rJxPC572Oq1cSTsAAt+a2woyHsbW+zxFf3numCDrdvnbKKOObr90dAwlp/gchQRzHy+lHwIgCbGUR9lMBQJASEgBLoQGGMv93t7bfvOxCbie9SRwqTqYIPcRaW9nH7EjXcad8Wc9D5dZX1OZHQckUGkfH9pfLtxiT5jDbnsI2fPpDxlPW7yR3JGie5eq3vW+GLSNqQ6lp8hY/ax/etgxJNMzzT1263898YXN/VYPGUVXmSREBACQqCEANnLvHs5+4zvv5wonZ0ZjKPMLwb9H5mMzgPjbU3bWHsw6/pp45PiPGP2xD70LEa5o0vPMPo46bLZGsSMbjHO3f8hSj9nfL6xn61/y2QHmvuDQ+jrwXgsP8Hl3CKffDyQ/bnJdyceL7H664mO6n7jacNWiISAEMggwAfruAdkTOZSsUdxC2dRKb31MMte7sGKNcbbK21rZn/6ajDgIRYe2hlrD740+Eb8lPEUoQf9mtl4bDmRgv7ClPtCZ1LJNOWMqWHbMeSG9cXf1LhEvBDY4NOJ8dHBjN9Fz5uB2xP5ncby4/7mLStz4POkLGF3MLGLfbhBLBICQiCPgO8n8ZoZW+46OsvPbHe0zC2ud9a9nL2pjVlN3HenKIy8z5u17b/dO89enu6JJAwlOmwNEYNtrxcNdaZnLtAxCPYbGXtXca8Pm4krCqVPattkzJa+zmlbdEWa7XYAn5K3Uc7jJ/U7tE7mHOfCvNvIz8hjH5fb1tHmU21CYB0Q4MMuWclOMNfxIhOBhn2izkxy1r0842pLhT/fk46WjIINtm17V9teHpMr9kbWWaJ079xm543xEwAGKTi8iXxxMQuLzli02zB57CLzqYv65cYEp1yAij4IhiW62hp8LOSUxvKT+h1ar62Dz/NQz87xE5P3pWz7gNHTtcyEgBBYUQTG3MvbIIqBri3DGmMP9gDeZ++Le+VJe20MYFVYHYuBIT4huZNjW5qT/8TA47ZdZW7yvjD65gIhI0cb7HIUbebxk/Nd0oGTB/jK5PuMIwYHm3bscsSnHtr4IBD7RXnS2PDBJP1wYiqREBACa4rAWHt5F3y1GfieRHAt0Vh78MQGYLxcQuNj+0kidswvS2RZPvENk3kwwusxKrNx5+iAKd1+SInvHMX5sIBIgBc/UbQdBY7lJ45fkglSQ9ae8xOx7uur7UggN4Z04yDAUZZ/sKlM5prhvSkSAqcSgbjnzbKXl+ZOQINzp01105YLenE+8+zlvueTaBHQnbjmYpBjfq17Ip3TDCRutielgj6SlWQq0bavzOZQosoaoh8WExdEGyB2UWUGY/jpGgfAARmuC+xvkq6suM2H+3Zfu7W58jAMPAvxxqMvmSqMTKAYSvipjN0Pr/9urd+GOkGVSfE95fKs+JxwLEEIjIDAPHt5bniuMX+P+/4TS9+LsMldj1Xoj82sezmBlP5wbbwR6uimxr0JkCpjJg+f6uMxgigLZFEwMrqhNJafoeMuuz0B6ZgxbyTeD0Npah3om2P8xk9nVs3SHtPGN3nqa5rttXNKMjmy7/SDYbVzQ8qzEBiMwCru5ZzgTY09HnANToz77CNmdjK5o5NbpFllBMiaCG5kS2lwqQcsnDeeB6SpyfG+JL79KAKbtsyc+bgfAi3H5E5kUN5Wu3KXy2mYQ7XLY2s4IdAHAe3lfVCSzdogEIOKB5BYDgkm2NK3LYhNGxvsGDtHXKS0wwTglDhx8HaORHabjtiAPn6124NrPCEgBISAEBiOAPe/DhuTLRF8CFS+kdcm96FDZkQfgkAX4RPb3BNVMWNjTiWKwaYtsJb6z6OPY1fzOFJfISAEhIAQODUIzBLo/OnRPkFnYssi0NEnJQ+CtLedwcesrvRkcOp7rLoC3VhIyo8Q2AEESkdFOzCUXK4ZAtc0672hx7qfLdj4jXSaXzB+rWCH+mXjTQSjK433bEn6IwSEwNojoEC39m+BHQfgszYCR6Ft9IlC4wVB/0SQS+KLoeHsIEsUAkJgjRHI3dhfYzi09BER+Ir5urXx97+svNP4k8b8qnkknqD0QMevnke6KlTOCnIf8UNmNPYRJnP9DWMyzZeM/8aYI9WhhJ/fNn6/8U+Mnza+x9j/ZZOJu0Z8j5UM+B3NiN+3ktfq58Z/bPyHxq8ai4SAEBACK43ALPfo4j0zgoEzG6sTAcP13OdKKX794AtpY6Ye7Y9m2mdVxXtwPl8veehmYuz1yuQS7bWGOEe+QxjrtdWxSWliCvfP1yucXZfeB41PqUZb/DjxOnh/5gBeuXXyMJBICAgBIbDyCMwS6ACF4OSbaSzJtDjOdB0bbI5iECjZxH5D7WPfnJwGa4KaE8f+ufVVbpCUnJ74eg8mbWR43kZZJe0EJcaqjaMdQYyvU6Q/gUfQinbIBD//kMH46OjPGlOK/au0UXUhIASEwCoiMGugA4u4aaabL/W2jCEGLvx0UbRnY5+HyKzifA8UnKU/ZF4V7GK2RCaXEv7jeGm71+tgl/s6httVwY61RHIfVVQmMgGU+VSJXlUhIASEwEoiME+gA5A0GMQNneCUbsQOYgxcQwMdfechDwbM1TOhkr84z6pgRHCL6849CBb9pMeR7jYeOZKRlciztjR7ZFyfR2kMfFaNHaVICCw1ArmLbakXpMkvHAIcUd7VMquLre0V47bMrqV7sekHxZbuBoJJFcweCnJO/LOcMtF9N6kTbFLiAR6n011IyjiX/dZWClZ/0vR7NOkfq9+3Su7oEpuno6FkIbDMCCjQLfOrt/hzn9oUeeISOs94T1NST+kxU1SpMtQJhkPosiHGie0toR6DT1BvE/vMjXtsnzfGN1jkAp2pexF+nG52IZRkyFcYfzzoXOSp1xeaCoGSp0c3jA8bHzD2J7FfNfldxpvGIiEgBITAyiMwy9HlxFDxIzI20JSOmMLbYxnt4lEegaKLov20y7ilPfphnl0U11J1GTftBCMebuFeWG0cMUCujEtE32jvwcntjzbtpQ+yZM+xfyrX1j52hu1zUykEhIAQWEgEhga6uBGzmZcIO+4zxY32YDBmw/U25C6KAYrNfhaK97AYe9rDyRGz8XlWHfZkTumap6YjsLDGvn7Iwtx2YnIk9ATQNuoKdn18tPlXmxAQAkJgqRAYGujixt9noXHTjgGKLM43c4JYF+1EoOuTScb1VoVJ7jF9bezroYxBnW4TY2+vTG6jNFC5rX9tI5dFu00smQNf9/Bx05K1iYTAUiNQOtpY6kVp8qccgQubGdzYcyYfLdh9K+jPCnIf8et9jDI23MN6JOgfD/I84nPWuWocHLeSwJc+KLK3ae9T/DAx8qPGPzX9pnHbr6yQ7e0zhpgDWSbzYT94j/GmsdOtLqgUAsuKgALdsr5yiz1vP658uuc0CS5s/il9Jyji71gG9TbxglB7IsjziBfO07npCx77g5+PBrlLJOMqHUNeFzrfYjKBsjL+PeMScc1fb5yzIZsjgL7b+E5jJ+0TjoRKISAEVhaBWY8uNwYggi0brQdJ7xqP0to2XH4dxG25BzYPxe+q4bOLOG71sauM8TS0I5doag2pH3yX1nNasPd+lHuMS0QbNnXJoNGf0dhh24Z7hxs1CwEhIASWA4EY6PrcK/P7RGySBKAuiht2enwXgwhHbCW62hoYD0ael+IDI34sWPLp41KCVUrx3uGRtDHU45hVo8e+FOgwOWYcx5+ibCEPdPQ50NNOga4FKDUJASGwGggQYHwzbdt042rjpt21UXogyAWBuDGXxo42zHMMihkiPtMA7GP43B2fXJBlXd5eWkO0wXbaDEBZ6oNJ/BBCv30oWyhiVbfY+Xx4UEUkBISAEFg5BNjkeNqw9B0vNlQyCWwo9xqnFI++sCfLS+mgKWhzf2m71+Nmnt6vYuOOwaZPBul+u0oyHp8fZczsGCcG82i3YW1gw9ygFAvm65jRxprozweK6NODTdeTn94Hv10UA53POWahZNdTY2/zeXb5VbsQEAJCYKkQYKP2ja42Oce+uWJXOgJjU/VN3P2xGcfAhJ4NvosqM3AflPhNfccN25pHIbJRAk0c22UwIIOaFNpjJtvmB3/+QSANrn0yKvDDx0HjLmIe2PIagFd8HX1dlHyAIeiJhMDSI+CfOJd+IVrAQiNA1vLPjT9h7MHo/5rMo/D/25iNtS+xmV9rfGnT4UEr7zBOH9VvmkcrCBDnGJ/ZeOTxfYIExPpoe9b4Z8avG/MkaYnIBs8yfpsxPnJfBSCTwtcbxl1EUALbvtfzRWYbv57AfOKHFb5S0WdcMxMJASEgBISAENhZBPxYlGNOkRAQAkJACAiBpUSATI1AxhFqzLxYzFFjMmICnkgICAEhIASEwFIiEL864celLMTvt3F0KRICQqCAABeKSAgIgcVG4IIwvReC/LVG/nTQSRQCQkAICAEhsHQIVDZjjidhjiohP7KcbNX0RwgIASEgBITAkiMQjy896OW+nL7ky9T0hcD4CPR9HHn8keVRCAiBoQjwvbZfbzr92Mq2rzAM9S17ISAEhIAQEAJCQAgIASEgBISAEBACQkAICAEhIASEgBAQAkJACAgBISAEhIAQEAJCQAgIASEgBISAEBACQkAICAEhIASEgBAQAkJACAgBISAEhIAQEAJCQAgIASEgBISAEBACQkAICAEhIASEgBAQAkJACAgBISAEhIAQEAJCQAgIASEgBISAEBACQkAICAEhIATWGYFfWefFa+1CoEHgoJX7jZ8VIkJACAgBISAEVhGB521RsEgICAEhIASEwMogwP9i5B+X3mfs/8j0YZOnxvuMRUJACAgBISAElhYBjio9uJXKL8y5ur3Wnyzx8AA/bzXbyvjyhs+1su8/R36n2V5k3EUEcfyLhIAQEAJCYEURIIvz4DZp1kgmVzfyASs3jLFBPyvRFx9HezggmBFYfV5pOe3hg3G8H74IZgRK1kNgP2JcG7uNiSIhIASEgBBYNQTIenyjr8LiYqBzNYEB20OuGFCSxfk4XYGOLM5tyQAJTE5kaN5Wu7JQ+nzdvq0kAIqEgBAQAkJgBRHwTG2arC0X6DAhWAx9SOWMpp8Hmq5A53PC/jTjlDhqdF9fThtDvW+gU5ALoEkUAkJACKwSAhwPesAgeERKAx3BwG0pybr6Uny4hb5tgS5mbGSBJYpBrBSook2cO3Jt3Oa/NK70QkAICAEhsEQI7LW5egBIM6c00BGcsCWbo+wb6Djm9DG8bAt0dbAnEyxRzOoIpDnyQMfaYNYL9527mYqEwGoioItgNV9XrepkBLg/53ShCx3l/o722Exwud/4TuOPx4aCTHs4hsIAABG5SURBVGCrmrYXrHytkXPFy6bcbBqutJLstER/Zw1vGL/aMHWREFhrBBTo1vrlX6vF/zis9jtBzolfNCUB6xHjDxv3CRb/w+yga4zJpLrogmDwRJBL4ouh4ewgSxQCQqADAQW6DoDUvDIIxGBFpsaxIVlYjsiIftf4A8YP5AwS3SVWJ9P6mDFHln0C3VVm53SWCz3LD/W0k5kQEAKGgAKd3gbrhMAtYbGVya8b8726i41nJa6hB43J/r49wAmZn9O9LvQs39tiR0AngB8ynjbMfcLKWCQE1hIBBbq1fNnXdtGfy6z8rkZXWfm88RHjtntg1ryNvtbU/vE27bDK48PM3/JKiz1fQSCA32/MU53wTcZksHCfbNPMREJACAgBIbCsCLDRc7zYxVWPBR5s/JAVRiJYuv/SU5cP97CJPqP9Rmxo5ImVpTHTNccHczKupBICq4WAMrrVej21mm4EeBqRjC0eY+Z61aYkkJUIH98z3jS+23g3KXdP70AzAZ74vDmZDGs+L+ieM3lI1hq6ShQCy4eAAt3yvWaa8TgIcIx5uvGlLe4IZNzvytGXGuX7co07rPtBxv89puNhmFLQfcrajod+1wZZohBYaQQU6Fb65dXiOhDg6cqHjHmQZNOY64GvFUS6IVYamfte1xtfZ0y2NC+13XPL+b4so9w0XdfDMH4/ku5fNVZWBxKilUdAgW7lX2ItcAAC3OPiawXxWPOmTP/HTPeC8e2ZtllUFw7sdMdAezf/pgtN+fakrqoQWEkEFOhW8mXVogoIHDb9hjFPJrZlMxxrHjd2itcJ/wIHOvfNIvs3ZnmlbC3eZ/udrJeyMvXJWnjAJM4z15unMSPF+3ZRL1kIrBQCpfsPK7VILUYIGAJnGH+jQeIKK//S+Pamnis+Y0ru0UUimHy2UfAF8bNjYyMT5L4Y9H9kMjqefIRue7N4y71Wuq8XG90sBev6aehI8OJ+XB96po+RbISAEBACQmA5EKhsmhxNOh8N0+bR/TrUEXni0m09UyKLc92spfs6FHylY1vTSRS/XsA9QqfLTYhzmXpDpkznH/1kzKUSAquBgF90q7EarUIIlBH4UdLkT00m6hNVHsF3IpBAZEpcM23MMSL375xuNAGd9/GfIou/t9kno7vAHVr5RJDTvk+HtlT8YKIY+kX1pLuqQmA5EODiEwmBdUDAg9WmLZbAw38EaKOrmsbjVnpfVMhtjE0MRH4/zfvQDsXxL7Z627XIkel+OhkRRF/bkt78EwMyD9H859CWih9JFG8kdVWFgBAQAkJgyRHgQRICzr5kHRwL1kHHfS8PTG0PnYQu20T8ef8j21q2Vzg+dbvD25u21a4OdsiRCNr42IjKguxjUXJ0KhICu4kA19Ulxrz3ZrmufK705cheJASEQAaBGMCq0E5ggiEeGvGAcGxLM/xPHXz4U5o5Lx6kGO/5nIHpog12OZqYkrY0CEZbnjTFBq5jg2QhsAsIxA9r/j7kmuP9PYQOmLH3bzsFGeJTtkJg5RCID2SQBfEJ0y+cmGHdN3DlBDSYgOX+vKybtlzQi/MhGEViE4jZIUeYJXI7gjMB3QkfMcgxP20Qjo7K3UCAUw2/Fvw0JV53be/rOL8Y5PyDaWyXLASEQECAQEAg84svLYce6xFM3Edtcsox+GGbUmUK709JYIrBCV2fox4CqfupTd4IdfRTY9F6IUAQ4ZjPmfdR7j2YooIN76Gh10Lqh8Dm78n0KV+O671tavJpxjlCH4MlfeKHuVyfbbo+C97WQRUhsEIIcLGcY/zdZk3nWxkfEmnUu1YctJGuNb60GfFBK+8wfrSp9ynY2P7A+KON8UtW3mt8p/FrjU7F6iNAQPu+8f7CUm80PUzQyBH9n2waXrDyAePHjH9i/A7jEhHYbjH+YWPAB7brG3lPU8aCD4FxjptWv82Y73hWxv/a+GLjSB+zyrejQrIQEALdCGyYCSwSAquAQLwfRiZE8OHec9R7JsVxYI7i0aLb9i39iJ7A5n2muUFMNzEm2HGcTsY3NeZafLgp8XXQ2P3oOjUwREJACAiBdUaAYEFQIHhw5JcSAc+Dhpc5u/So0G37lIwBxUCHvxyROeKz7b7xocYGu9xcTd1OM3Vqd6lWISAEhIAQOEUI+A8RkKm9kZnDq6Y7z/jJ0PbfTObHzCPxfw2h48YcoXNk2Ub/qWn8LSsZAzr7zWLr75lBHiISNO9vOnzYytyahviTrRAQAkJACCwxAp4dkfkcNW7LkjgaxM45tSUj7PvksWdc3I+LlM4ntrnsNun43l6bwBx1ZOmIqBQCQkAIrDECla3dAxflsRYs0qNJAo6THzkSwLqIh598zNTW/dBO4M1RW6CL9xTnOn0sRdHchKQTAkJACAiBxUWAhzYiXRYriexPRbr6dBes9P9T+H+CriT676W+q2TQ6EtHl/+k0I8HaO5q2nRkWQBJaiEgBITAuiEQsyuyqPQoMeIxsYpnYpSVcaQ+SZB/b3MSOyYyWaWPkzRtVWnLHZHWTb9cW86PdEJACAgBIbAmCFS2To4JD3es14OUByGC5BDypzu519dGPBTjY1SJ4eVNG74iTaziffoE3NhXshAQAkJACAiBLQQ8kHg5BJZ4761PIJqacx/Hf9HEA+VGMjBHlm7Ld/lGoblu8I0yAzkRAkJACIyDAJvu18ZxlfXysmk/nW1ZLiWZVCR+aWQI3dwY/76V/v8V2/pPrfEV45uMf2rstGnCP/VKU36vKf/cyoeSNlWFgBAQAmuPQDwm86xg7LJPBrPoL0TEpOvoMV0LGZn35ztuQ4hsjScpJ8a5bA29+05xZizu13l7bTKvt0gICAEhsHYIsJnuFA/d2BcR/Hhvju/KDaWpdSDYzNK3bay2I8v4AeaIOeHYk/GZh4KdgSASAkJACAiBNxE4aIVnRJTcaxtC8d7cdEjHHrYeuI4ltmR2PmeywUjeJ+qysu7RZWGRcokQ+Gc21/+6RPNd1qneYBP/78s6ec17K/Px+18vGB58740AMoT+YTC+N8jzimRp+xsnn0ycfTbU7w4y4oXGzxlzz/EB4yINjehFR2oQAqcIgd+0cf/tKRp7nYbl3/z81ToteIXWypHrK816Nq0kQAwNcnTnCckrEIz4gvkbW9J8f/haA8EK4ncyH92SfvnH53mjqaa/VJ+QapN+ZPyRExoJQkAICAEhsFYIxKM/AtWsxOkfQccZv2OQHz+mR5b4jvftjhYGIxtkTq2ko8tWeNQoBITAEiHA5vv1HZzvy+Y7/ZX/HRxuFNfPNl5usfJzGY+c6pFRnW/M+kp0XqlhDn08srwm4+fXgu5/BjmKvN63GvPa9/mqQ+wrWQgIASGwdAjwBJ5nHDtVjpXJ7Aa4ZHDgMG0ZzDGLP+qcM/fMyXHN2QzRcWTpvniKMkf+g8/YlebnNrn+J3TK6E5AIUEICIElR+AZm/+vGv/KDq3jZ+Z3WbIGfueS+2nXGd9uXKIPNQ0/Lhk0+n8Z2h8J8qzi403Hr1iZ/sC0+4w/NH2OKZ/yhlC6jTK6AIpEISAEhMCqI8D9LM+WyJzIeiKTxVHnaUXukcFdxBfL3WfdZdzRHufH0WmJeIjGx6RPjjzTzLVJJwTWBoGDttLS0cjagKCFrg0C8X+4eZDoKjni7KKxAh1B1ufT57p022lhgrXp+8y/0F1qIbAaCPT9xLoaq9Uq1hmBGEQ8QPQpS9lSxHKsQOdPWbb9C6E4LnPzNUQ9sq+XzFQkBNYOAY5D+GR7n7FfJFyoU2MeWRYJgVVEgNMLf78PKXO/O5niUwffyLNQW9Aq+ePem69lEoy4xj1oBrVEIbAeCPS52Pm9v1mIo5Y+xy3um/sjfewJvn0/lXLhV409fbjXwkU/lMbyM3Rc2S8nAmRPGw3P8mGRPh6wKpOHkGdu9J8a+71F6rSJhMBaIRDvT0yalZPJ1Y3sFysXCPq+xNPJx4zp1+fGvfs92vShH8HVAxPzICBzI5250Q63EcEs/iCv9/Fy2tY5tI3lJ7iUKAQ6EfAHS6adlnkD/mtCPKGprc4HSZEQWCsEeNP7pl+FlcdA52p/UuuQK5KSbIfgRraUBhcusL7k4/i82krGKlE8viHQxk+xZIzut2tuY/kpzVN6ISAEhIAQ2EEEOFZhw58mY+QCHSbY5rKzGAw8gMSyTvy3VfsGurYgh39fG/MgAKcUj4XabvKP5ScdX3UhIASEgBDYYQQ4jvNglN4/SAMdQcVtKQlsKXHEeNiYbIn22Ke2el9qC3T4YYwuihlbm30cKxc4x/LTNV+1CwEhIASEwA4gsNd8evBKM5400Pl9M39iKxfo0inOG+iYE8w84T5jmtkWERB9bdynKBEB3u24l5HSWH5Sv6oLgYVHYMgFt/CL0QTXFoF4U/rCnijs72k3hhk/G/WG8asN9/0ZKQJbZQy9YPzalpT/87KpN5umK60ky3Uay4/7UykElgoBBbqlerk02QICPw767wQ5J37RlHcaP2L8YeO+QcdMd50uCCM+EeSS+GJoODvIY/kJLiUKgeVBQIFueV4rzbSMQAxWZGoc06VHmN6bzIp/tfIB4wdcuaDlVWFeZwW5j+g/1ovtWH76jCsbIbBwCCjQLdxLognNiMAtoV9l8uvGfK/uYuNTTQRiAu8h42nD3CusjNvomtB4b5D7iO8NRmP5CS4lCoHlQUCBbnleK820HYHcP5W8q+lSWfm8MU8mxntXVt0V4pF/Au/9xjz9CN9kTOYJ84BKFz3eZZC0v5LUvTqWH/enUggsPAIKdAv/EmmCAxA4s8WWI81bjcmuKuPdIB4+ga43/rwxQZZjU9jnWplMUIoP1Fj1JHL7kxoKio8X9GP5KbiXWggsHgIKdIv3mmhGsyNAYCGYxGPMnDeyqIO5hpF1Bxp/BJ2bE9/M9byge87kMbPNoff0wlS2iWP52eZUFSGwmwgo0O0m2hprtxDgGJP/PHxpy4Dfszbum+0k3WPOP2Z8d2EQ/mPy8dB2bZDnFX8wr4Om/1h+RpqO3AiB4Qgo0A3HTD2WAwGernzImK8RbBrzXudrBZFuiJUdkDfN57c7/Pp9RMy+alzK6jjeHEKXFYzH8lNwL7UQWDwEFOgW7zXRjHYGgV+YW+6NxWNNHgg51fTNZAJvT+pevdCFnuUdBbux/BTcSy0EFg8BBbrFe000o9kQOGzdNox5wrGUFeGZY83jCA3t1DXAHHjApMs/T2NGivft4v2x34lGPeSYuY3lp8ewMhECi4dA10W4eDPWjITAyQicYapvGF9hzBOOXfe6PmM2O0nMh6c7ecDk58bnGvelZ4LhvUF+MchDxbH8DB1X9kJgIRBQoFuIl0GTmBOBc5L+B5L6blcvTQb8VFJvq8a5fysYxqwsqIvi10PLWH6CS4lCYHkQUKBbntdKMy0j8KOk6UtJPa2SaTlx725sSrOvp1sG+GDSFr/QHX+3M/WZdNuqXhCUTwR5LD/BpUQhIASEgBDYTQS4H0bAqjODPpzRH2nsNzL2ORVHj/gvjZH2ifb8h3LmVyLa3TdlSrGt7YPpO62j2z6fOglt2MzjJ+NaKiEgBISAENgNBDxg7EsGSwMd9888IPS9dxYDF/66yANvn0Dqc6HktzBTOmoKt+GBmxJdbQ1uh5zSWH5Sv6oLASEgBITALiEQA1gVxiQweXDaa7IHg2PBpkskwHi/XLaU6z9p+uSCjtvzhKj7rV2ZlB40sSuNHW2wy1G0mcdPzrd0QkAICAEhsEsIxMyLbOoSYw8kMaPJ/QfuOEWONskQCUQEIPcRSwIlNpQE0BwRYOmDDYHYiaATgxyBp+04Ma6LfpHw5eMwFkeYJRrLT8m/9EJACAgBIbALCBBQCGQxKEU5dzyYTosg6X1qk3NMcHKb+KRk6suPVLHFT/SNbmrchyoz8vEoCXgxWKIjkHVRZQZj+OkaR+1CYGEQ4NOgSAisIgIEvHOMv9ss7nwrX27k3S7Isv7A+KPNwC9ZyXfb7jR+rdH1LQ6a4bXGlzYdHrTyDuNHm3rfYiw/fceTnRAQAkJACOwQAtxfg0VCQAisKQL/HzNHJ0imLPwuAAAAAElFTkSuQmCC" 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" width="320" /></a></div>
Wow again! After writing out those numbers I finally took my own advice and got around to opening the account. It took about 30 minutes so we're looking at $400 per hour. Too bad these opportunities aren't more common!<br />
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<span style="font-size: x-small;"><i>I have not been asked or compensated for writing this article about Chase bank (other than perhaps through ads thanks to adsense). I'm simply stating my experience. Please seek the advice of a professional for your own personal situations.</i></span>Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-49740873600418554392012-07-05T06:00:00.000-07:002012-07-05T06:00:10.421-07:00July 2012 BudgetFirst of all, my budget has a lot of breathing room right now in comparison to the last year and a half. Maybe that's how lifestyle inflation begins but right now I'm appreciating the breathing room that moving has given my budget. I have decided that I won't change my direct deposit until September because I'll be switching funding then and will have to deal with that whole situation again.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5lbaCjrX1BFMkCrBcPGKsr_7xzpYhaVhARvZKSvN_NizEXjMEOCcagpAGPVgmJlg86h6EYuiq4KM6bybvuk35-d68I4GH-g7MfWMJvwmmT2q2Nv6254IQf2iRjMaeCodAWEK4uJ0aTVme/s1600/July2012_v2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="255" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5lbaCjrX1BFMkCrBcPGKsr_7xzpYhaVhARvZKSvN_NizEXjMEOCcagpAGPVgmJlg86h6EYuiq4KM6bybvuk35-d68I4GH-g7MfWMJvwmmT2q2Nv6254IQf2iRjMaeCodAWEK4uJ0aTVme/s400/July2012_v2.png" width="400" /></a></div>
<i><b>Bills (Apartment, Utilities, Cell Phone):</b></i> Nothing new here, but these categories have balanced out now so I don't expect this to change in the near future. I think my estimate for utilities is still a bit high, but I'll leave it here for now. I have two more months left on my cell phone contract. I
suppose I could switch to a cheaper plan but I really do appreciate my
smartphone. This is probably a splurge I will keep. <br />
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<i><b>Food:</b></i> The same as usual. As long as I rarely eat out I can keep within this number.<br />
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<i><b>Health:</b></i> Usually a good chunk of this category is designated towards my short term savings to pay for my insurance each term. This month I didn't leave any extra; instead, I've allocated the extra amount towards airline tickets.<br />
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<i><b>Random:</b></i> The last couple months were the first in a long time that I gave myself a bit of spending money. It left my hands a bit more quickly than I expected... I'm not sure this is a good way of doing this. It is something that I'm playing around with in my budget to see what will work for me.<br />
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<i><b>Transportation:</b></i> I just bought a new bike! I think I'm excited enough with my new toy that we'll stay within biking distance for a little bit.<br />
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<i><b>Airline Tickets:</b></i> I have several trips that I plan on taking. I'm going to visit two family members (in opposite parts of the country) and attend a friends wedding (also far away). This month I've squeezed enough out of other categories that I think I can purchase some of these plane tickets without dipping into my slush fund.<br />
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<i><b>Emergency Fund:</b></i> Normal direct deposit from my paycheck. I have actually just finished filling up my emergency fund but I'm planning on transferring a bit of money out of this account to take advantage of a higher interest rate (I will talk more about this opportunity later.) Therefore I'll keep this direct deposit as is for the moment.Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-77454161960574365452012-07-03T09:16:00.002-07:002012-07-03T09:16:26.668-07:00Actual Expenses: June 2012What a month. Here is the overview of how June actually went (in <a href="http://gradbudget.blogspot.com/2012/05/june-2012-budget.html" target="_blank">comparison to the plan</a>).<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPIbDwL70v9DvzbdDbjAntsMEJNgFjRrnwmbJ1OF2AXXebgzsIM1gK_8JiCJPrTsGGaDwOMqXDSb8rWKlNEZYl3j9OMc_cZYAu1wOWqAOCK3OMewL_MwJ3j1x9DOpQQBLo9iRTI6QcMge_/s1600/June2012_actual.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="260" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPIbDwL70v9DvzbdDbjAntsMEJNgFjRrnwmbJ1OF2AXXebgzsIM1gK_8JiCJPrTsGGaDwOMqXDSb8rWKlNEZYl3j9OMc_cZYAu1wOWqAOCK3OMewL_MwJ3j1x9DOpQQBLo9iRTI6QcMge_/s400/June2012_actual.png" width="400" /></a></div>
<b>Apartment & Utilities:</b> YAY! I'm still happy with how much these expenses have dropped because of my move!<br />
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<b>Food:</b> I overspent a little bit here... but it was delicious! The is the hardest place for me to stay within budget.<br />
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<b>Health, Transportation & Cell Phone: </b>Nothing unusual and not a lot of spending so I'm happy with the result.<br />
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<b>Random: </b>This was the first time in a while that I had room in my budget to give myself some spending money. Apparently I have an easier time resisting <i>ALL</i> spending than I do keeping to a budget. This is something that I'm going to have to keep an eye on...<br />
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<b>Slush Fund & Emergency Fund:</b> It feels awesome to see a good chunk of my paycheck going into savings!<br />
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<b>???:</b> How can there be question marks in my actual expenses? At least that's what you should be asking if you're paying attention! Well the truth is that this is money that I haven't spent (yet - although it's probably money that will be spent soon). Here's the short version of events. Initially I was thinking I would just put more money into my slush fund while planning on looking at new bikes. Then, I started planning to buy a bike sooner than I had anticipated (apparently if you ride a bike that's too small for you 8-10 times more often per week than you had been - especially if this is right after you've messed up a knee that you've previously broken - you start having knee problems...). Then, I had a family situation where I needed to fly to a relative, and I planned to use this cash for that. Then, the location of said family situation dramatically changed and a different relative bought me my tickets using their miles. And now, I think I'm going to go back to buying a new bike. Hopefully within the next week. If nothing else unexpected happens. So this is money that is ear-marked for "something urgent" and has been left in my checking account. Typically I don't leave much money in my checking account as I find it helps resist my urge to spend money (and any auto-payments go onto my credit cards and I keep careful track of my accounts so I don't feel the need for a buffer to prevent overdraft fees). However, I feel rather silly moving this into my slush fund to earn the half cent of interest I might be able to get just to move it back out two days later.Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-54975840435995663692012-07-02T05:37:00.001-07:002012-07-02T05:37:57.574-07:00Weekly Check-Up 7/2/2012<span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">A special thanks to Ginna at </span></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><i style="border-width: 0px; font-style: italic; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><a href="http://myprettypennies.com/" style="border-width: 0px; color: #1c9bdc; font-style: inherit; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;" title="My Pretty Pennies">My Pretty Pennies</a> </i></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">who created the Weekly Money Check-Up.</span></span><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgho7XR_xm1Gnj91akZUYaR2v74WxSvi5iXsmw6QQ7MDi-TqvAOTcCMire3j54jmrjJW0A5ABKFlIGnnXOdnN0Hpe2DOcjPvkG51xCtP_PU-coQV2euRquXPpYsijzalTZhFofV4PXs4Y-v/s1600/WMCU_7_2_12.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="190" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgho7XR_xm1Gnj91akZUYaR2v74WxSvi5iXsmw6QQ7MDi-TqvAOTcCMire3j54jmrjJW0A5ABKFlIGnnXOdnN0Hpe2DOcjPvkG51xCtP_PU-coQV2euRquXPpYsijzalTZhFofV4PXs4Y-v/s320/WMCU_7_2_12.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;">Image from </span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><i style="border-width: 0px; font-style: italic; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><a href="http://myprettypennies.com/" style="border-width: 0px; color: #1c9bdc; font-style: inherit; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;" title="My Pretty Pennies">My Pretty Pennies</a></i></span></td></tr>
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<a name='more'></a><b>1. The most I’ve spent this last week was </b>rent. The beginning of the month is always the same! :)<br />
<b>2. Today I am thankful for </b>free wifi at the airport! I know that most airports charge for internet use but it's just so nice when it's free! <br />
<b>3. Money can’t buy happiness. One free thing I did last week that made me happy was</b> swimming during my lunch break. The weather has been getting hot and the pool is a very refreshing break from the lab.<br />
<b>4. I will consider this week a success if</b> get back to regular blogging. At the very least I need to post my July budget and June recap.<br />
<b>5. This July 4th</b> I am taking the day off from lab, climbing, and BBQing. I haven't looked to see where we can see fireworks yet...<b><br />
</b>Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-40372371479453796112012-06-07T06:00:00.000-07:002012-06-07T06:00:01.858-07:00Current Financial GoalsOne of the things I've found since I've started to pay attention to my finances, is that my financial goals are regularly shifting. How I think about my finances and of what importance goals are have been slowly moving around. This makes reaching those goals a bit tough as they are moving targets. Here are my present goals:<br />
<h4>
<span style="font-size: large;"><u><b>CASH</b></u></span> </h4>
<u><b>Cash Emergency Fund:</b></u><br />
I live in an earthquake area. I think it's important to have cash (and water!) on hand just in case...<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQCX8OlgBglG5sCJYYM7LO5nBYnI10jzga5YxTZhstBEdrqys3eeUgYgOnCnymJfDNQPgT-Sqy7JkyUOhN6FtTXio3s5mOFxR-PHIjr2oY_y_xIR1b9zjTeLkMGDNrV14bVfO8FDvkR4cu/s1600/June2_2012_cashefund.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="129" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQCX8OlgBglG5sCJYYM7LO5nBYnI10jzga5YxTZhstBEdrqys3eeUgYgOnCnymJfDNQPgT-Sqy7JkyUOhN6FtTXio3s5mOFxR-PHIjr2oY_y_xIR1b9zjTeLkMGDNrV14bVfO8FDvkR4cu/s320/June2_2012_cashefund.png" width="320" /></a></div>
<h4>
<u><b><span style="font-size: large;">SAVINGS LINKED TO CHECKING </span></b></u></h4>
<u><b>Slush Fund:</b></u><br />
The goal is to have one full month's worth of expenses. I know many people set aside some money every month for upcoming and irregular expenses such as car insurance. None of my irregular expenses are more than a typical months worth of expenses. In addition, I like to have a full month of savings easily accessible to my checking account such that I can pay the bills if something happens to my paycheck (there were 5 months straight that my university messed up my paycheck...I may have become paranoid) so I aim to have a months worth of salary in my slush fund.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZ3E9KLE60YpsoweIKvhdErrcJj6J5TxwL6jjXPIXR9kVhyirihxHmZgQlbGeFckv2Jvy2a5LdZQ8eeTc0sXinX2q_ZVg6uwmTbsiSCjMVjqfKurZllffiHZCeaQqwmPwZbdWY9mdNDXKR/s1600/June2_2012_slushfund.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="129" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZ3E9KLE60YpsoweIKvhdErrcJj6J5TxwL6jjXPIXR9kVhyirihxHmZgQlbGeFckv2Jvy2a5LdZQ8eeTc0sXinX2q_ZVg6uwmTbsiSCjMVjqfKurZllffiHZCeaQqwmPwZbdWY9mdNDXKR/s320/June2_2012_slushfund.png" width="320" /></a></div>
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<u><b><span style="font-size: large;">HIGH INTEREST (and separate!) SAVINGS </span></b></u></h4>
I've been saying that I'm shooting for a 12 month emergency fund but
I've since decided that I'm really striving for two different goals. I
think my comfort level is such that a 6 month emergency fund is enough.
However, since I know that I will be having a big life change in the
next couple of years (graduation - hopefully) I want an additional 6
months for security. I think the difference is that I have no problem
spending this additional 6 months worth of money after I graduate in
order to find a job that will fulfill me, and hopefully provide a small
break to recuperate when I finally finish my degree. Thus I've now
separated these in my mind to be a "6 Month Emergency Fund" and a "6
Month Play Fund." At the moment the following goals are being kept in one account, which I deposit money into on every paycheck.<br />
<u><b>6 Month Emergency Fund:</b></u><br />
My living expenses just dropped considerably, which resulted in an exciting realization that I now have 6 months in my high interest savings account! Yay!<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikpVRwg5yZ050vM7cdanVUQ0fYs8CFuTHFgQDk90w5jSu8mZ9dGJLkgR-YdbekSze9ZNIzycRgVppQMsDZjb5Y7iLK7DQKnjAAfEdkNPhXGxsZ_FNQrTYeeuSkcSougYNwG11PVYVKeGXJ/s1600/June2_2012_6month_efund.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="129" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikpVRwg5yZ050vM7cdanVUQ0fYs8CFuTHFgQDk90w5jSu8mZ9dGJLkgR-YdbekSze9ZNIzycRgVppQMsDZjb5Y7iLK7DQKnjAAfEdkNPhXGxsZ_FNQrTYeeuSkcSougYNwG11PVYVKeGXJ/s320/June2_2012_6month_efund.png" width="320" /></a></div>
<u><b>Roth IRA 2012 (or other retirement account?):</b></u><br />
I don't have a retirement account yet. However, since my move has freed up a lot more of my cash I've been thinking about starting one this year. When I've saved up enough money and done the research to start a retirement account, this will separate from the high interest savings. For now, this is the best and most out-of-the-way place to store it. They have just become separate items in my spreadsheet.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9myiSWsjDTQmHIvUYTisyirHopk-RziJl1JEifjoQhR8Ci8kgVSeI9xO-8FelQ-tWMHQW6Tl_3Za5Uubdq1opT_55ojUXqAzwjKZmXjr1KOsDCUbxOMXr2tFPjXqe9-AxgvjAGJRNLPWi/s1600/June2_2012_IRA.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="129" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9myiSWsjDTQmHIvUYTisyirHopk-RziJl1JEifjoQhR8Ci8kgVSeI9xO-8FelQ-tWMHQW6Tl_3Za5Uubdq1opT_55ojUXqAzwjKZmXjr1KOsDCUbxOMXr2tFPjXqe9-AxgvjAGJRNLPWi/s320/June2_2012_IRA.png" width="320" /></a></div>
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<u><b>6 Month Play Fund:</b></u><br />
I want to fill this by the time I graduate.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5JCEwSmEELSrW_b-jBhGdLytrl0G2ls3scvD9akuOn8ESf5CHMeyj1Vrii7YnCIXf26yYUwyDRoTgJcbfejm7SgegFlyFMLEx1FC9tLYTwUWxFfTcEi_qT_bkVFfM76kY8-DJUgINUrM5/s1600/June2_2012_6month_playfund.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="129" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5JCEwSmEELSrW_b-jBhGdLytrl0G2ls3scvD9akuOn8ESf5CHMeyj1Vrii7YnCIXf26yYUwyDRoTgJcbfejm7SgegFlyFMLEx1FC9tLYTwUWxFfTcEi_qT_bkVFfM76kY8-DJUgINUrM5/s320/June2_2012_6month_playfund.png" width="320" /></a></div>
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<i>Has anyone else found that as their financial goals are constantly shifting?</i>Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com4tag:blogger.com,1999:blog-7437759868797179759.post-36480476006531150062012-06-05T06:00:00.000-07:002012-06-05T06:00:08.242-07:00Actual Expenses: May 2012Of course my actual expenses are always a bit different than I expect at the beginning of the month. My May budget was posted <a href="http://gradbudget.blogspot.com/2012/04/may-2012-budget.html" target="_blank">here</a>. Overall, I think this month was a bit expensive, but I'm starting to feel a bit more in control of my spending.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdl_Th3X4mVV6aCSKaLGPRKdekEzi-XCYCV1kSWtV0BW05JgI55Ixl__fKWdgN3QVME4y4EVpVOH5j0shnCiFVvkrioeYoFrrzA_j6Qa01ZebbZ16TL-SIPoV_CsCpZpGO8tPyca90Bj1H/s1600/May2012_actual.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="286" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdl_Th3X4mVV6aCSKaLGPRKdekEzi-XCYCV1kSWtV0BW05JgI55Ixl__fKWdgN3QVME4y4EVpVOH5j0shnCiFVvkrioeYoFrrzA_j6Qa01ZebbZ16TL-SIPoV_CsCpZpGO8tPyca90Bj1H/s400/May2012_actual.png" width="400" /></a></div>
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<u><b>Apartment:</b></u> It's nice to see this percentage going down. I had to pay for a week in my old apartment but from now on I'm paying cheaper rent every month! Yay!<br />
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<u><b>Utilities:</b></u> I'm happy with this for the moment. Splitting internet, electricity, water etc. among three people is nice. We'll have to wait and see what the summer heat does to this.<br />
<u><b></b></u><br />
<a name='more'></a><u><b>Random:</b></u> I posted a few weeks ago about how there were <a href="http://gradbudget.blogspot.com/2012/05/i-dont-like-to-buy-things.html">several things that I really should get around to purchasing.</a> Well, I now have socks, a new pair of athletic pants (now I have two pairs!), and a new pair of climbing shoes. I also bought my mom flowers for mothers day, which was more expensive than normal as she wasn't at home. Overall it was a month full of random purchases that I didn't sufficiently plan for. This whole budgeting thing is still a work in progress.<br />
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<u><b>Food:</b></u> I spent more money on food than I intended to, mostly because we decided to use the money we made <a href="http://gradbudget.blogspot.com/2012/05/moving-update.html">from selling some furniture</a> on going out to eat. We rarely eat at restaurants and it was such a great treat!<br />
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<u><b>Cell Phone, Transportation & Fun:</b></u> Nothing exciting here.<br />
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<u><b>Health:</b></u> Even though I posted my <a href="http://gradbudget.blogspot.com/2012/05/june-2012-budget.html">June budget</a> just one week ago, it has already changed. I didn't expect to get the bill from my doctors appointment already, but I did and it's been paid. Health insurance fee's also came up this month. At this point I think I'm free of health related bills until August!<br />
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<u><b>Emergency Fund:</b></u> The normal chunk of my paycheck got deposited. I'm happy to see that this is growing, even if it's slower than I'd like.<br />
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<u><b>Slush Fund:</b></u> I forced the graph to display three significant figures because it kept rounding this up to a full 1% when in reality it is miniscule at best. Ideally I'd have one month worth of expenses in my slush fund. Right now, this fund is feeling neglected and has been depleted. If I didn't have a separate emergency fund I'd be freaking out.<br />
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<u><b>Road Trip:</b></u> I realized after the fact that I should have put this into my budget to begin with at the start of the month. Instead I just allotted any extra money I could towards transportation. I'm still learning how budgeting works best for me.Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-5021835677808294552012-05-31T06:00:00.000-07:002012-05-31T06:00:03.704-07:00Do you share laundry duty?<b>It's a similar question to "do you share finances" if you ask me.</b> There are actually a surprising number of analogies along these lines too.<br />
<ul>
<li><b>Laundry is a chore that everyone has to perform (or to coerce someone else into performing.) </b>So is balancing a "check book" or whatever method you use to make sure everything gets paid on time. They both need to get done, and regularly.</li>
<li><b>If you don't get it done, it leaves you in a fairly unfortunate position which most of us would prefer to avoid. </b>Waking up with nothing clean to wear is a very similar feeling to waking up without enough money to pay the bills (or whatever rock bottom is). This can lead us into all sorts of audacious behavior whether it be buying new socks on the way to work or taking out pay-day loans.</li>
<li><b>Left neglected, it piles up until it feels too overwhelming to tackle.</b> Honestly, the thing I love most about apartment living is that there are usually several washing machines available at the same time. Talk about a time saver! Too bad that the only clean up tool for your financial situation is patience and hard work.<a name='more'></a></li>
<li><b>It's something that you really ought to learn how to do while growing up.</b> Did any of you know a college freshman who had no idea how to wash their own clothing? If you didn't learn it in childhood, at some point life will smack you in the face and get you to pay attention and we all hope that happens sooner rather than later.</li>
<li><b>It's only okay to let someone else take over if everyone is comfortable with the arrangement and you understand it leaves you vulnerable to their mistakes.</b> Personally I like to be in control of my finances (and doing my laundry) because then I can be sure that it gets done my way (and if things shrink or change colors I can only blame myself). I think as long as the lines of communication are open and everyone is working towards a similar goal (of either financial security or cleanliness) then I really don't think it matters who (if anyone) takes control. The point is: someone is paying attention to it! </li>
</ul>
If it gets done, why would anyone else care how? <br />
<ul>
</ul>Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com3tag:blogger.com,1999:blog-7437759868797179759.post-27242237702054598062012-05-29T06:00:00.000-07:002012-05-29T06:00:01.665-07:00June 2012 BudgetI'm super excited! This is the first month of paying rent <i><b>only</b></i> for the new apartment! Which means I'm finally spending a <i><b>reasonable</b></i> amount of money on housing!<br />
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<i><b>Apartment:</b></i> 25%!!! This is down from almost a full 50% of my income because of my move! I'm now sharing a two bedroom apartment with three people. Without roommates this would never be possible.<br />
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<i><b>Utilities:</b></i> I believe that I've over estimated the cost here. Since I just moved and summer is quickly heating up, I'm not sure what to expect as we start to use the AC. I typically like to budget for the largest month of the year and then use any excess to fill in gaps other places in my budget.<br />
<i><b></b></i><br />
<a name='more'></a><i><b>Food:</b></i> Nothing out of the normal here. Groceries, groceries and more groceries! Everyone needs to eat, but I try to cook most of my own food to cut down on costs.<br />
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<i><b>Health:</b></i> I've included my climbing gym membership in here now. Some of this will be put aside in my slush fund as the only health related thing I'm planning on paying this month will be a copay for my doctor's appointment.<br />
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<i><b>Transportation:</b></i> I'm starting to set a bit more aside for the infrequent times when I use a car or give gas money. I'm still playing with this number. Some of this might end up going towards my bike purchase.<br />
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<i><b>Cell Phone:</b></i> Normal month.<br />
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<i><b>Random:</b></i> Spending Money? That's a new concept for me but there are a number of things that <a href="http://gradbudget.blogspot.com/2012/05/i-dont-like-to-buy-things.html">I need to get around to buying</a>.<br />
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<i><b>Slush Fund: </b></i>My slush fund is in the recovery stage. With the influx of extra cash I'm hoping to fill it up and then shift to finishing off my emergency fund. Since I've freed up quite a bit of cash, I'm rethinking <a href="http://gradbudget.blogspot.com/2012/04/why-im-not-saving-for-retirement.html">starting a retirement account</a>.<i><b> </b></i>Right now I'm waiting <br />
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<i><b>Emergency Fund:</b></i> Nothing new, same old direct deposit.<br />
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<br />Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-61167404584860517642012-05-28T21:42:00.003-07:002012-05-28T21:42:45.137-07:00Weekly Check-Up 5/28/2012<span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">A special thanks to Ginna at </span></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><i style="border-width: 0px; font-style: italic; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><a href="http://myprettypennies.com/" style="border-width: 0px; color: #1c9bdc; font-style: inherit; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;" title="My Pretty Pennies">My Pretty Pennies</a> </i></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">who created the Weekly Money Check-Up.</span></span><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_jCmpnXPXrCrUmkMk_mnN6Kff2dvaW3X78gFaRayMuJc4Alc_x247ZPtiZybQf1dk6wAJg18lMq13T9LASKkuX1MhilxaQsANoOF5w-BgXsBzV7CV-bAjjty1J1cdTMY9cuUWGwaCUo7n/s1600/WMCU_5_28_12.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="307" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_jCmpnXPXrCrUmkMk_mnN6Kff2dvaW3X78gFaRayMuJc4Alc_x247ZPtiZybQf1dk6wAJg18lMq13T9LASKkuX1MhilxaQsANoOF5w-BgXsBzV7CV-bAjjty1J1cdTMY9cuUWGwaCUo7n/s320/WMCU_5_28_12.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span class="Apple-style-span" style="font-size: small;">Picture from<span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"> </span></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><i style="border-width: 0px; font-style: italic; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><a href="http://myprettypennies.com/" style="border-width: 0px; color: #1c9bdc; font-style: inherit; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;" title="My Pretty Pennies">My Pretty Pennies</a> </i></span></span></td></tr>
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<a name='more'></a><strong>1. The most I’ve spent this last week was </strong>on my road trip! :)<strong></strong>
<strong>2. Today I am thankful for</strong> spending time with great friends and the wonderful outdoors!<br />
<strong>3. Money can’t buy happiness. One free thing I did last week that made me happy was</strong> taking an extra-long weekend. I really enjoy the freedom that time off allows for! I just wish there was more of it...<br />
<strong>4. I will consider this week a success if </strong>get back on top of my work. My to-do list has been (happily) neglected while I've been away. <br />
<strong>5. This Memorial Day weekend I </strong>went on a road trip involving both climbing and hiking in beautiful places.<br />Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-88974091002077426642012-05-24T06:00:00.000-07:002012-05-24T06:00:09.437-07:00Learning about personal finance<b>What I knew </b><b>before</b> I started reading blogs and immersing myself in the world of personal finance:<br />
<ul>
<li>Pay off your credit card in full every month</li>
<li>Saving for retirement should start as early as possible</li>
<li>Spend less than you earn</li>
<li>Debt is bad. </li>
</ul>
<b>What I've learned since</b>:<br />
<ul>
<li>The whole concept of an emergency fund</li>
<li>Living paycheck-to-paycheck isn't necessary</li>
<li>Idea of paying yourself first (automatic deposits to savings)</li>
<li>Tracking spending is eye opening</li>
<li>Not everyone has to work their whole lives until retirement (ie concept of financial independence and/or early retirement)</li>
<li>How to build a budget that works for me!</li>
<li>Stop Wasting Time! Start working towards your goal now!</li>
<li>Have a buffer! </li>
</ul>
<b>What I still need to learn:</b><br />
<ul>
<li>Investing</li>
<li>Retirement accounts</li>
<li>Rental properties?</li>
<li>Monthly income streams</li>
<li>EVERYTHING related to personal finance post building an emergency fund!</li>
</ul>
<ul>
</ul>
While I don't think I was completely ignorant in the ways of personal finance, I most certainly was not on top of it! I didn't think it was an issue until my paycheck had a few issues and the university was transferring money in and out of my account irregularly in order to "fix" the issues. It took them four months to get it all straightened out and during that time I was a financial mess and worried. Luckily this event spurred me to action, and I've been learning ever since. <br />
<br />
The reason I started this blog was to track my evolution through personal finance from basically zero until I reach financial independence. I find the process of learning interesting: at one point you look at knowledge and say that it's too hard for you to ever understand, and later on you look at it and it seems like it couldn't be more obvious. You can't teach from the perspective that it's obvious. You must struggle through material to truly understand it.<br />
<br />
So, dear readers, as I feel I've finally mastered budgeting, saving, and emergency funds, what exactly is my next step?<br />
<ul>
</ul>Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com2tag:blogger.com,1999:blog-7437759868797179759.post-36045805163865542522012-05-22T06:00:00.001-07:002012-05-22T06:00:01.725-07:00Living WageI mentioned previously that I was inspired by by Emily at <a href="http://evolvingpf.com/" target="_blank">EvolvingPF</a> who directed my attention to the concept of <a href="http://www.livingwage.geog.psu.edu/" target="_blank"><i><b>living wage</b></i></a>. I've decided to do a comparison between their numbers and mine (for a single adult) to see how I was doing.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiiEOEljfXnTeRa1WxXuWxqaTmJKDne-a0y3yQyaK_6Rwt2A6MeI_51n_460QrKWfpOhyAfpJgzuifkGxvxNeCB9qOecsEOfSK9qAIotf2Mrun9rcmelZwTmucW0VWWBHwMlNIwx3XII6Xo/s1600/Living+Wage.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="245" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiiEOEljfXnTeRa1WxXuWxqaTmJKDne-a0y3yQyaK_6Rwt2A6MeI_51n_460QrKWfpOhyAfpJgzuifkGxvxNeCB9qOecsEOfSK9qAIotf2Mrun9rcmelZwTmucW0VWWBHwMlNIwx3XII6Xo/s320/Living+Wage.png" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">The living wage broken down into categories</td></tr>
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Clearly it's a high cost of living area, but I believe that's supposed to be reflected in coming up with the living wage in the first place. Here are a few things that stand out:<br />
<br />
<u><b>Housing:</b></u> Over 50% of any budget is a lot! Honestly though, I don't know how you could find a one bedroom apartment for what they are suggest as housing cost, so I'm curious as to where they get their data, and if this includes utilities or just rent. I suppose one way of doing it would be to live further away and commute, thus adding to transportation costs.<br />
<a name='more'></a><br />
<u><b>Medical:</b></u> That's actually a smaller percentage than I was expecting!<br />
<br />
<u><b>Transportation:</b></u> I think it's clear that we aren't in a great area for public transportation along with the fact that we live in a society where people like having cars.<br />
<br />
<u><b>Savings:</b></u> The living wage is based on the assumption of how much money is necessary to live. I've included this for comparison to my "living wage" budget.<br />
<br />
<u><b>Other:</b></u> Things like clothing and cell phones I assume.<br />
<br />
<u><b>Food:</b></u> I think this is a realistic figure if you never eat out.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0JrVxiQP9OUopsLgP-MOHr1MxJMvBrAORRoGzIbwTL_b4aN_I68iruu606mQGvB4aTINr57LsZSFfsDua-0m7R2vcj7_ThHUZCZnEEOG9-KINu5IVPZ0UrpqgKegprCquCe_T3dowUckA/s1600/MY+Living+Wage+Budget.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="245" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0JrVxiQP9OUopsLgP-MOHr1MxJMvBrAORRoGzIbwTL_b4aN_I68iruu606mQGvB4aTINr57LsZSFfsDua-0m7R2vcj7_ThHUZCZnEEOG9-KINu5IVPZ0UrpqgKegprCquCe_T3dowUckA/s320/MY+Living+Wage+Budget.png" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">What my budget would look like for an "average" month based on categories and living wage income</td><td class="tr-caption" style="text-align: center;"><br /></td><td class="tr-caption" style="text-align: center;"><br /></td><td class="tr-caption" style="text-align: center;"><br /></td></tr>
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My first thought was that I'm apparently doing pretty well! My second is surprise at the amount of savings. I just moved, which will help my budget considerably and this certainly shows that. A few months of actually living with these lower costs will be nice!<br />
<br />
<u><b>Housing:</b></u> I share a two bedroom apartment with two other people. This certainly helps cut costs.<br />
<br />
<u><b>Medical:</b></u> I'm lucky to get health insurance through my school. I think it would be difficult to find comparable insurance on a private plan, but I don't know because I've never actually looked... <br />
<br />
<u><b>Transportation:</b></u> I don't own a car, but I do put money aside for transportation every month. If I don't use it, it just gets put towards traveling and other adventures.<br />
<br />
<u><b>Savings:</b></u> I think the main way I've squeezed savings out of the "living wage" is by living with people and not owning a car. While those are personal choices, it certainly makes a huge difference.<br />
<br />
<u><b>Other:</b></u> My phone among other things. I could definitely have a cheaper phone, and maybe no phone at all, but it is something I really like having.<br />
<br />
<u><b>Food:</b></u> Surprisingly close! I rarely eat out, but I do purchase high quality foods. I think it's important to eat a healthy diet. <br />
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</div>Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com4tag:blogger.com,1999:blog-7437759868797179759.post-65751817338647104072012-05-21T07:58:00.001-07:002012-05-21T07:58:03.944-07:00Weekly Check-Up 5/21/2012<span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">A special thanks to Ginna at </span></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><i style="border-width: 0px; font-style: italic; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><a href="http://myprettypennies.com/" style="border-width: 0px; color: #1c9bdc; font-style: inherit; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;" title="My Pretty Pennies">My Pretty Pennies</a> </i></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">who created the Weekly Money Check-Up.</span></span><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgkBbD3CpKBXhySXGDKyj890jOgmSQCeY5bHOS3jG_3wssm0vZwdBJgf8eTNKGijMdj4gtb17zt2QpzkicG5q1BeU8KiB0HHZhi09v_8a4iL3jPEqd9JbUSopZfKxn9S63KGboLDLA2BNWR/s1600/WMCU_5_21_12.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="305" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgkBbD3CpKBXhySXGDKyj890jOgmSQCeY5bHOS3jG_3wssm0vZwdBJgf8eTNKGijMdj4gtb17zt2QpzkicG5q1BeU8KiB0HHZhi09v_8a4iL3jPEqd9JbUSopZfKxn9S63KGboLDLA2BNWR/s320/WMCU_5_21_12.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span class="Apple-style-span" style="font-size: small;">Picture from<span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"> </span></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><i style="border-width: 0px; font-style: italic; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><a href="http://myprettypennies.com/" style="border-width: 0px; color: #1c9bdc; font-style: inherit; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;" title="My Pretty Pennies">My Pretty Pennies</a> </i></span></span></td></tr>
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<a name='more'></a><span style="font-size: small;"><b>1. The most I’ve spent this last week was </b></span><span style="font-size: small;">paying off my credit card in full. The usual :)</span><br />
<span style="font-size: small;"><b>2. Today I am thankful for</b> my SO who has been keeping my stressy self fairly sane. </span><br />
<span style="font-size: small;"><b>3. Money can’t buy happiness. One free thing I did last week that made me happy was</b> swimming! Exercise is so important!</span><br />
<span style="font-size: small;"><b>4. I will consider this week a success if </b>everything goes okay tomorrow. I'm not going to lie, this whole major exam thing has me a bit on edge.</span><br />
<span style="font-size: small;">5. </span><strong>I am really trying to </strong>not panic.Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-65884382114348680782012-05-17T06:00:00.000-07:002012-05-17T06:00:00.712-07:00Moving UpdateI'm finally 100% moved in. My last payment for the old apartment is complete!<br />
<br />
It was nice that we had two full weeks of overlap in which to move everything. I think that made it a lot less stressful. <b>We kept the loads small and manageable.</b> I think the biggest loads we brought over took us two elevator trips at most. It helped that I was moving a short distance so this was possible. <b>We moved everything with our car.</b> We didn't have to rent a moving truck which kept our expenses to just the gas for the car.<br />
<br />
<b>We Sold Some Furniture</b> which actually made moving a great success in our finances!<br />
<a name='more'></a>We sold a bed, a printer, a lamp, a fan, a couple vacuums (we didn't need to have three of them...). We also gave away a number of things including a folding table and chairs, a pot and pan set and a set of silverware (all of these things were given to me by friends over the years so I didn't feel right just selling them.) To be honest, we still have some things that we will sell. We sold the bare minimum to enable getting all of the stuff into one apartment!<br />
<br />
<b>The move has spurred us towards sorting, cleaning, and getting rid of stuff!</b> This was the first time I lived in an apartment for over a year since I moved out of my parents house at 18. Every time I move I try to use the opportunity to sort through everything I own and sell or donate items that I no longer need. This time I went through the books I've collected and donated several paperbacks to the <a href="http://americanbookdrive.com/?gclid=CNC8ncaH_68CFQgJRQodfSvtEQ" target="_blank">American Book Drive</a>. I thought it was a great way to get rid of some stuff without spending too much of my time on it.<br />
<br />
The best part about moving has been socializing with my roommates. I've been living without roommates for a number of months, and while I love having my own space, it's also nice to have a more social living situation! We're all getting along, things are (reasonably) clean and it's great to come home to the smell of food and company!<br />
<br />
<b>Overall, moving was a complete success!</b> By moving ourselves, and using the move as an opportunity to unload some of the stuff we've collected, we actually made money by moving! It took time, energy and effort, but I think the result was worth it. :)Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-70551057859867401472012-05-15T06:00:00.000-07:002012-05-15T06:00:10.203-07:00Permission To Spend: Bike EditionOne of the things that I struggle with is allowing myself to spend money on things that I should probably buy. I've finally decided to get a new bike and would like to share part of the thought process that goes along with this decision. The back story is that my SO borrowed my bike to go get groceries. (His is "too fancy" to leave locked up outside.) The next time I got on my bike...well, this picture shows the result.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7jK3OdCpNmV_J-fZtdEzCNXdxsQLlbjWW6piprKqgtR4J2ogo8Jnya1xjqxcIeil-FOR7Kye1ZkZyS34QSaBe0kal3Ex8m1-1-ihLuBPPGkRFvOsUWtuKy8qt3ZkNwwq6LAhxjXqCVtZV/s1600/photo.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7jK3OdCpNmV_J-fZtdEzCNXdxsQLlbjWW6piprKqgtR4J2ogo8Jnya1xjqxcIeil-FOR7Kye1ZkZyS34QSaBe0kal3Ex8m1-1-ihLuBPPGkRFvOsUWtuKy8qt3ZkNwwq6LAhxjXqCVtZV/s320/photo.JPG" width="240" /></a></div>
Like <a href="http://gradbudget.blogspot.com/2012/05/i-dont-like-to-buy-things.html" target="_blank">I said,</a> I need a new bike.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh593clXe6Swvp45vtkkbKQZLnMb9FA2N-SEjS-h1qloOTKkA-ui590bq26VKY1V0qqrWvxvnG9WFYT2geDmV_OZNtjgU8gcgtcQZsYyBXql5VblTmw7_Sf2adLGDjTgd7ib6u5REmZcddJ/s1600/photo(1).JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh593clXe6Swvp45vtkkbKQZLnMb9FA2N-SEjS-h1qloOTKkA-ui590bq26VKY1V0qqrWvxvnG9WFYT2geDmV_OZNtjgU8gcgtcQZsYyBXql5VblTmw7_Sf2adLGDjTgd7ib6u5REmZcddJ/s320/photo(1).JPG" width="240" /></a></div>
Luckily for me, my SO fixed the problem later that evening! I'm sure he'll be embarrassed that I'm showing off his handyman skills, but I'm very happy about it. :) Even though the bike is fixed, I'm still in the market for a new bike. I've decided that I'll use any birthday money to go towards this purchase, and I'll fill in the rest from my savings account. <br />
<br />
Over the past weekend we went to a couple of bike shops to figure out what type of bike would be good for me. While I use the bike primarily for commuting, I also want the capability of using the bike on dirt roads, so a traditional road bike has been ruled out. While at the bike shops we asked if they sold used bikes. One of the shops has one hybrid (although it really was more of a road bike) that was used but they both said they rarely get used bikes in. While looking on Craigslist is certainly possible, it seems that most people are selling fancy road bikes or junk.<br />
<br />
As a result, I think I'll probably buy a brand new bike. I'm content with this decision because I know I'll be using it frequently and it will make my commuting much more pleasant. It's just hard for me to part with a chunk of money when I'm trying my hardest to <i><b>be smart and save</b></i> as much as I can every month! As a result, I'm setting up some rules...<br />
<br />
<u><b>When is it okay to SPEND when it's not 100% necessary? </b></u><br />
<ol>
<li><b>When it won't financially screw you</b> (you're not going into debt, you're not setting yourself up for an emergency situation, when you aren't (knowingly) about to lose your job or something along those lines). <i>I can afford to buy a new bike. Yes, it may delay some of my financial (saving) goals, but it won't send me down a road of trouble.</i></li>
<li><b>You have a plan.</b><i> </i>You've thought it through, and it's not an impulse purchase.<i> I think the picture above show the types of problems that I've been experiencing frequently. I will be paying for the bike with birthday money and money from my savings account. This isn't an item that needs to be in my budget as it's a one time purchase.</i></li>
<li><b>You do your research.</b> <i>I've been looking at my options and figuring out what best suits my needs.</i></li>
<li><i> </i><b>It's something you'll USE.</b> (Or otherwise adds value to your life) <i>I know I'll use a new bike because I currently ride 4-5 times per week. This isn't something that will sit around the house and create clutter.</i></li>
<li><b>??? </b>Is there anything else that I should add? When do you give yourself the okay to spend money?</li>
</ol>Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-22556041610988438632012-05-14T08:41:00.001-07:002012-05-14T08:41:34.552-07:00Weekly Check-Up 5/14/2012<span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">A special thanks to Ginna at </span></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><i style="border-width: 0px; font-style: italic; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><a href="http://myprettypennies.com/" style="border-width: 0px; color: #1c9bdc; font-style: inherit; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;" title="My Pretty Pennies">My Pretty Pennies</a> </i></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">who created the Weekly Money Check-Up.</span></span><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1K2-A7vFmismOG8OibOAEjYUH9wUnFnny8Q5TirbkebXJYZZHrsAIHHFOibSAWIkngkHE1DjA9AYTOdPGKBKoRhiFe_yS-t38vaX0WCuSoHCO8ACGVfeOcrCK7i-RzF54hjWyTP3zX4BT/s1600/WMCU_5_14_12.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1K2-A7vFmismOG8OibOAEjYUH9wUnFnny8Q5TirbkebXJYZZHrsAIHHFOibSAWIkngkHE1DjA9AYTOdPGKBKoRhiFe_yS-t38vaX0WCuSoHCO8ACGVfeOcrCK7i-RzF54hjWyTP3zX4BT/s320/WMCU_5_14_12.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span class="Apple-style-span" style="font-size: small;">Picture from<span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"> </span></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><i style="border-width: 0px; font-style: italic; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><a href="http://myprettypennies.com/" style="border-width: 0px; color: #1c9bdc; font-style: inherit; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;" title="My Pretty Pennies">My Pretty Pennies</a> </i></span></span></td></tr>
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<a name='more'></a><span style="font-size: small;"><b>1. The most I’ve spent this last week was </b></span><span style="font-size: small;">on flower for Mother's day! My mom went to visit my grandmother (in the middle of nowhere) so this cost more than it typically does but I know she appreciated it!</span><br />
<span style="font-size: small;"><b>2. Today I am thankful for</b> relaxing weekends. It has been a while since I stayed home without any plans for the weekend and it was great to catch up on sleep!</span><br />
<span style="font-size: small;"><b>3. Money can’t buy happiness. One free thing I did last week that made me happy was</b> swimming! I went three times this past week at lunch and it felt great! It's finally warmed up enough that I can get myself in the water.</span><br />
<span style="font-size: small;"><b>4. I will consider this week a success if </b>I submit my abstract for a conference and finish my preparation for my candidacy exam before the weekend!</span><br />
<span style="font-size: small;"><b>5. </b></span><strong>My favorite Disney character is<span style="font-weight: normal;"> Jasmine. Who doesn't want to have a pet tiger?</span></strong>Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-43430517030305435932012-05-10T06:00:00.000-07:002012-05-10T06:00:00.446-07:00I don't like to buy things.I don't think it's surprising that I'm fairly careful with my purchases. I don't splurge on wants very often, although I can understand that it takes time to overcome emotional spending. Instead, most of my every day purchases are food (good quality food, but still food from a grocery store such that I can make my own meals). Frugality is a clear way of life for a number of people interested in personal finance. However, sometimes things come up that can disagree with that frugal nature. Right now I'm struggling to justify <b><i>to myself</i></b> that there are a couple of things that are really worth my time, money and attention.<br />
<ol>
<li>A <i><b>new prescription</b></i> for my glasses. It's been about two years since I last went to the eye doctor. I HATE going to the eye doctor even more than I hate moving. I know a lot of people avoid the dentist with a similar level of dislike, but for me, it's the eye doctor. I have a fear of things near my eyes and have passed out on more than one occasion when they do the glaucoma test (the pressure test where they blow air into your eye...). I need to suck it up and schedule an appointment.</li>
<li>A <i><b>new bike</b></i>. <a name='more'></a>I have a bike, I shouldn't be wasting money on a better bike... right? Except that I ride my bike basically every day (since I have no car). I bought my bike used a couple of years ago and it is a bit too small for me and is in need of serious maintenance. (It squeaks in the highest gear, the kick stand is about to fall off, the rear tire needs to be filled at least weekly, etc and while all of these things are definitely doable I haven't found the time or energy to actually DO anything about them. That's not true, I replaced the tube in the tire that leaks a few months ago but somehow that didn't fix the problem. I still don't understand what's going on there. Any tips?) I think the better, more permanent solution is to buy a new (possibly used) bike that is a better commuting bike, fits me, and is generally in better shape. (Speaking of bikes, I found this post about <a href="http://www.blogger.com/goog_168200733" target="_blank">bike ownership</a><a href="http://www.mrmoneymustache.com/2012/05/07/what-do-you-mean-you-dont-have-a-bike/" target="_blank"> (from MrMoneyMustache) </a>particularly funny. I've actually been on the receiving end of a similar rant before I bought my bike used. Some guy couldn't understand that I didn't have a bike. It was on my list of things to buy, I was just waiting to save up the money. Stills seems reasonable to me...)</li>
<li>Speaking of bikes, now that I've moved further away from campus and I'm riding more often I should really buy a <i><b>new set of bike lights</b></i>. My rear light is having an electrical problem (that I can't fix) and turns off half way through my ride. And I've been using a headlamp instead of a real bike lamp (which also needs new batteries). I also won't be forced to ride at night until winter, so it's more of a convenience problem right now than it is a safety problem.</li>
<li><strike><i><b>New socks</b></i>.</strike> <strike> My laundry schedule is being dictated by running out of socks. Most of them have holes in them and have worn out, but I haven't gotten around to this so I keep wearing socks with holes.</strike> <strike> This is just getting silly. </strike>I bought socks after writing this post. I'm pretty happy about that! </li>
<li><i><b>New climbing shoes</b></i>. This isn't even a purchase that I'd have to spend money on. I have a money on a gift card and my dividend to <a href="http://www.rei.com/" target="_blank">REI</a> which would cover this completely. Again, I just haven't gotten around to it. My left shoe has a hole in the toe that is growing.</li>
</ol>
Part of this is that being busy (as a graduate student) keeps me from going shopping. I'm generally busy enough to stay away from stores other than for groceries. However, there is also a side of me that doesn't want to give away my money when I know it can wait. None of these things is an emergency, however they also aren't things that are unreasonable wants. How do you decide when it's time to buy things that you <i><b>can</b></i> keep putting off? Do you have to justify your purchases to yourself and if not, how do you know you are <i><b>not</b></i> spending frivolously? Where is that line for you and how did you draw it?<br />
<ol>
</ol>Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com6tag:blogger.com,1999:blog-7437759868797179759.post-57918786672456365172012-05-07T08:47:00.003-07:002012-05-07T08:47:21.256-07:00Weekly Check-Up 5/7/2012<span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">The last couple of weeks have been overly hectic due to moving, presentations, and preparation for my PhD candidacy exams. In addition, I've been fighting with the mechanism for scheduling posts. I think the problem is fixed, but we will see. I hope to be on top of work soon, and will then return to posting regularly!</span></span><br />
<span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"> </span></span><br />
<span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">A special thanks to Ginna at </span></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><i style="border-width: 0px; font-style: italic; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><a href="http://myprettypennies.com/" style="border-width: 0px; color: #1c9bdc; font-style: inherit; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;" title="My Pretty Pennies">My Pretty Pennies</a> </i></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; font-size: small; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">who created the Weekly Money Check-Up.</span></span><br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-size: small;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhw0YvWLFiZ94TMz7pcdksC3aLYioy9mD3FnZVRBN8KHX2H6E_XbVVoWOkkp-zAg99LUVPLa1AKAMXO69Skofey1BkRCb-tqOn086n-78iXkSZVnpvBmaMslEL2IMKfKEmDPzejO5sVlSt0/s1600/WMCU_5_7_12.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="270" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhw0YvWLFiZ94TMz7pcdksC3aLYioy9mD3FnZVRBN8KHX2H6E_XbVVoWOkkp-zAg99LUVPLa1AKAMXO69Skofey1BkRCb-tqOn086n-78iXkSZVnpvBmaMslEL2IMKfKEmDPzejO5sVlSt0/s320/WMCU_5_7_12.jpg" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><div style="margin: 0px;">
<span class="Apple-style-span" style="font-size: small;">Picture from<span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"> </span></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><i style="border-width: 0px; font-style: italic; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><a href="http://myprettypennies.com/" style="border-width: 0px; color: #1c9bdc; font-style: inherit; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;" title="My Pretty Pennies">My Pretty Pennies</a> </i></span> </span></div>
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<span style="font-size: small;"><strong></strong></span><br />
<a name='more'></a><span style="font-size: small;"><strong>1. The most I’ve spent this last week was </strong></span><span style="font-size: small;">paying my bill from school. (Not tuition, but fees for health insurance etc. show up on this.)</span><br />
<span style="font-size: small;"><strong>2. Today I am thankful for</strong> an amazing weekend climbing in the mountains.</span><br />
<span style="font-size: small;"><strong>3. Money can’t buy happiness. One free thing I did last week that made me happy was</strong> climbing! I'm getting really excited for my trip at the end of this month!</span><br />
<span style="font-size: small;"><strong>4. I will consider this week a success if </strong>get on some sort of sustainable schedule. I feel like life is pulling in all sorts of directions and I'm not on top of any of it. Not fun.</span><br />
<span style="font-size: small;"><strong>5. The most delicious things I ate all week was </strong>pizza last night. It might not sound super delicious, but anything that comes out of a real oven (and quickly!) is fantastic after a few days of camp food.</span>Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-3753044175970927762012-05-01T06:00:00.000-07:002012-05-01T10:02:44.664-07:00Actual Expenses: April 2012Considering I wasn't planning on moving when I created my <a href="http://gradbudget.blogspot.com/2012/04/my-budgeting-madness.html" target="_blank">April budget</a>, I think things went reasonably well. I only took $80 out of savings to cover moving associated costs! The breakdown is shown below.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlSmnClbNyPv6RJdvzKGW50rUTALxoULSNcXy1aJl3gAetvvIAWNwam4YK-_UlT24YzpfMFd4gWXPVS8uv91TGsuIphsl_mIfvMmr6oMvB2qNeZC33vBjIvrYk9mHmk7-fYr8eFG7p5gBc/s1600/April2012_actual.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="282" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlSmnClbNyPv6RJdvzKGW50rUTALxoULSNcXy1aJl3gAetvvIAWNwam4YK-_UlT24YzpfMFd4gWXPVS8uv91TGsuIphsl_mIfvMmr6oMvB2qNeZC33vBjIvrYk9mHmk7-fYr8eFG7p5gBc/s400/April2012_actual.png" width="400" /></a></div>
<b>Apartment:</b> I actually didn't have to cover a deposit since I'm moving in with my significant other (SO) and his roommate (2 bedroom place). This is high because I will now pay my portion of rent at the end of the month, such that rent can be paid via one check on the first (I think it's fair that no one has to cover rent and then get paid back! Apparently people have different comfort levels with how "group purchases" should be dealt with. Who knew?). So really, this is rent for both April <i>and</i> May. This percentage will go down dramatically when everything gets straightened out over the next couple of months!<br />
<b></b><br />
<a name='more'></a><b>Utilities:</b> I over budgeted in this category. I wasn't sure what was going to happen as I hadn't received a bill for <i>February</i> utilities when I was putting together my budget. Now February and March are paid at my old apartment. Still waiting for April's bills though...I've just accepted that these bills will always be a month behind.<br />
<br />
<b>Random:</b> I finally took my suit to the dry cleaners. I also finally bought the cable to connect my computer to a projector. As a graduate student I give several presentations a year and have been borrowing a friends cable for the last year. He's hopefully graduating soon and moving on so it was a good time to get my own! This also covered a couple miscellaneous moving items. (Did you know that you pay the post office a dollar to forward your mail? Just one dollar!)<br />
<br />
<b>Food:</b> Nothing exciting. By budgeting my food allowance weekly I've been doing much better at staying in budget.<br />
<br />
<b>Cell Phone:</b> Larger than normal payment has been dealt with. YAY!<br />
<br />
<b>Transportation:</b> Took a zipcar for a couple of hours to go to a doctor's appointment.<br />
<br />
<b>Fun:</b> Climbing gym membership! Internet no longer included. I'm thinking about putting climbing into the health category since it isn't just fun, but also a workout!<br />
<br />
<b>Health:</b> Minor expenses for prescriptions and over the counter cold and sinus medicine. (Stupid cold season...)<br />
<br />
<b>E-fund & Slush Fund: </b>-$50 to cover the month. Clearly I don't plan on moving every month but I think this also shows what I meant when I said that my savings was a <b><i>goal</i></b> and doesn't always become a reality. Before I created savings goals it was much more common that I would run out of money and deplete my savings account. With my new savings strategy I rarely go over budget and if I do I actually have money in my savings account to cover it!<br />
<br />
To be completely honest, money from my paycheck still went to my emergency fund via direct deposit and I took money out of my slush fund to cover everything. I just don't think moving money around in my accounts is terribly relevant to my overall budget. Although, when my slush fund is low it does help motivate me to save!<br />
<br />
While my apartment expenses were high this month, I'm very happy that I was able to cover most of the shortfall by cutting costs instead of digging into savings. I'm very happy that no other category went over budget this month! How were your months?Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com2tag:blogger.com,1999:blog-7437759868797179759.post-6602902603097008192012-04-30T19:25:00.000-07:002012-04-30T19:39:32.194-07:00Weekly Check-Up 4/30/2012<span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">A special thanks to Ginna at </span></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><i style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: italic; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><a href="http://myprettypennies.com/" style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #1c9bdc; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: underline; vertical-align: baseline;" title="My Pretty Pennies">My Pretty Pennies</a> </i></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">who created the Weekly Money Check-Up.</span></span><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEvQZ0RP2Vd2X1IbUIOhcCKzJPs_7n_bDQbrRSySQb42J5sy0oLdB5136rNBltLLUr-bPfHUIwHQibZLpVwxVOlA5f5EKWFIESfggE3jAs9AC_F2u8wuMcsFea-8yKOjriiD6yQuSjDjSo/s1600/WMCU_4_30_12.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEvQZ0RP2Vd2X1IbUIOhcCKzJPs_7n_bDQbrRSySQb42J5sy0oLdB5136rNBltLLUr-bPfHUIwHQibZLpVwxVOlA5f5EKWFIESfggE3jAs9AC_F2u8wuMcsFea-8yKOjriiD6yQuSjDjSo/s320/WMCU_4_30_12.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Picture from <span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><i style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: italic; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><a href="http://myprettypennies.com/" style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #1c9bdc; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: underline; vertical-align: baseline;" title="My Pretty Pennies">My Pretty Pennies</a></i></span></td></tr>
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<b><i></i></b><br />
<a name='more'></a><b><i>1. The most I’ve spent this last week was</i> </b>on rent! This will now happen the last week of every month.<br />
<i><b>2. Today I am thankful for</b></i> my adviser's assistant. Seriously, without her I wouldn't be able to get anything done that needed his approval.<br />
<i><b>3. Money can’t buy happiness. One free thing I did last week that made me happy was</b> </i>hiking, climbing and sunshine over the weekend!<br />
<b><i>4. I will consider this week a success if</i> </b>I don't get <i>more</i> sick? I keep trying to tell my body that I don't have time to get sick and be unproductive but it doesn't want to listen...<br />
<i><b>5. If I could redecorate one room, I would choose</b></i><b><span style="font-weight: normal;">. . . I have no idea. I feel like the whole concept of redecorating only really exists after you've lived in a place sufficiently long to get bored of your initial decorations. Right now I'm just trying to figure out what stuff needs to be sold so that I can be done with this moving process. On the other hand, I totally reorganized the kitchen of the new place. Does that count as redecorating? </span></b>Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0tag:blogger.com,1999:blog-7437759868797179759.post-60124146818573054132012-04-30T06:00:00.000-07:002012-04-30T10:38:44.172-07:00May 2012 BudgetA lot of things have happened this month that are disrupting my finances (and life in general) and will continue to do so throughout the next month as well. While April hasn't ended, I've started looking forward at creating my budget for the next month and would like to share what that looks like.<br />
<br />
In the last month, Emily at <a href="http://evolvingpf.com/" target="_blank">EvolvingPF</a> directed my attention to the concept of <i><b>living wage</b></i> (<a href="http://www.livingwage.geog.psu.edu/">http://www.livingwage.geog.psu.edu/</a>). It's an interesting idea, although I live well below those numbers for my area. I've just been trying to find a way to work my thoughts on that into a future post.<br />
<br />
Now on to May's Budget:<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhDDDiYodiwdHIw3u_dC7npNwRIt8E1uJBXyiMNZZ-SwAlY1gfW0MuJaKR_AYfkfdaRMSveg8nqESTLT1SGlxS-tIofJyMfpLH_kArdrfnZAV6Lz_fQO0xI7wS8oL4Ua7mbg1xFFRp-iz1q/s1600/May2012.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="219" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhDDDiYodiwdHIw3u_dC7npNwRIt8E1uJBXyiMNZZ-SwAlY1gfW0MuJaKR_AYfkfdaRMSveg8nqESTLT1SGlxS-tIofJyMfpLH_kArdrfnZAV6Lz_fQO0xI7wS8oL4Ua7mbg1xFFRp-iz1q/s320/May2012.png" width="320" /></a></div>
<b>Apartment:</b> I'm not entirely sure what this will cost this month. I'm paying for the full month of May in my new apartment (cheaper rent) but I'm also paying for a week of rent in my old apartment. I'm not entirely sure what that will end up costing, so this is an estimate. Hopefully next month I'll be able to use more firm numbers! Having this up in the air makes me nervous...<br />
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<b>Utilities:</b> With the possibility of owing utilities in two apartments and not being totally sure what utilities will cost in the new apartment... well, this number is also a little shaky. I tried to leave some room for error.<br />
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<b>Random:</b> I'm planning on going on a road/climbing trip the last weekend of May to celebrate finishing my candidacy exam (regardless of the result.) So there is a bit of money here for things related to that.<br />
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<b>Food: </b>Standard food budget. I rarely eat out, but if I'm super careful with groceries there is room for more fun.<br />
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<b>Cell Phone:</b> This is the first month of the reduced plan, so this is also an estimated expense.<br />
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<b>Transportation:</b> Setting aside some money for the road trip gas as well as a zipcar rental for a doctor's appointment.<br />
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<b>Fun:</b> Climbing Membership. The new apartment comes with roommates who also desire the internet so I have transferred that cost into utilities.<br />
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<b>Health:</b> I have to pay a medical bill and my insurance payment is due. I pay for my health insurance three times a year, so this is an expected expense. I have the money set aside to cover this, however, I'd prefer to try to pay for it out of my monthly budget and force the overall monthly costs down a bit more.<br />
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<b>E-Fund:</b> The usual. Part of my paycheck is sent to a savings account at a credit union. Out of sight, out of mind. I'd like to up contributions to this after I get settled in the new apartment.<br />
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<b>Slush Fund:</b> This is just a hope. Most months I manage to put a bit more aside, but to be honest this also doubles as my travel fund and I'm going on a vacation! I couldn't be more excited about this!Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com3tag:blogger.com,1999:blog-7437759868797179759.post-90195478026724217832012-04-25T06:00:00.000-07:002012-04-25T06:00:39.651-07:00Striving Towards Goals (Why I Save)Presentation went well! <i>*Big sigh of relief*</i> And now back to life...<br />
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The one thing about grad school is that it certainly pushes you to work harder than you ever thought you could. I think I dreamed about my presentation the little bit of time I actually closed my eyes last night. I have been working through what I wanted to say all day as I was finishing the slides. I was hoping that I would be able to just go home and crash after the talk. Unfortunately, it seems that I've ingested just a little bit too much caffeine in the last 24 hours for that to happen...<br />
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So instead I'm sitting comfortably curled up and watching TV via<a href="http://www.hulu.com/" target="_blank"> hulu</a> and enjoying it. I have mentioned before that my internet access and my climbing membership are two things <i><b>I pay for because I really value them, even if I don't need them</b></i>. While I think it is important to be realistic about what our <i>needs</i> truly are and fulfill them first, it's also okay to spend a little bit of the money you have earned.<br />
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<a name='more'></a>Yes, this will set me a bit back on my ultimate goal of reaching financial independence. (FI is something I want to achieve - it doesn't mean I will immediately retire once I reach that goal, but more on that later.) However, I also don't plan on saving every penny possible at all times.<br />
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I think a lot of people get hung up on what a <b><i>need</i></b> really consists of.<br />
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<i><b>Basic Needs</b></i>:<br />
<ul>
<li>Sufficient Food</li>
<li>Water</li>
<li>Sufficient Warmth</li>
<li>Sleep (okay maybe that's just me...)</li>
</ul>
When you look around the world and see the types of conditions other people are living in you have to realize what an amazing place we are living in. It's also amazing to see how much that humans are able to go through.<br />
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However, I think almost every one of us will agree that we want a bit more out of life than that. <b><i>Personal finance is about defining one's goals and then taking the steps to meet those goals</i></b>. As always with life this is a delicate balancing act and each person will choose their own path. Here I would like to spell out what some of my goals are, and how one goal leads into another.<br />
<ol>
<li><b>Fluency in Another Language:</b> I find language fascinating. I used to hate having to go to Spanish class when I was in high school and now I seek out opportunities to learn languages. I love being able to communicate with more of the world. I also think that you can't truly understand a culture until you start understanding it's expressions and how values play out through language.</li>
<li><b>Travel:</b> This ties closely into my desire to learn languages. I simply love to explore new places, new cultures, new food. I took a two month vacation traveling through central America, staying in hostels, living cheaply, and I'm hooked! I want more. The thing that scares me about a <i>"real"</i> career is the lack of time off (both for traveling and raising a family). I certainly do <i><b>not</b></i> want to wait until I'm 65 or older to travel the world.</li>
<li><b>Financial Independence/Ability to Retire Early: </b>The goal is to
save up and invest a sufficient amount of money such that I can choose
if, when, and how I work without worrying about getting fired, or about a
boss. To me this is about keeping the options open and about choices.</li>
<li><b>To Finish my PhD:</b> Half of the time I'm interested in my research, and the other half of the time I just want to prove to myself that I can focus, work hard, and achieve publishable results. To be fair, I'm incredibly lucky to be in the situation I'm in with regards to graduate school. Like everything in life though, it can be difficult at times.</li>
<li><b>Home Ownership:</b> Or something. Honestly though, I think this mostly comes from my hate of moving and not a desire to be attached to one location. Maybe someday I'll just live out of a backpack. Hey, a girl can dream! (Then again, if I were a <a href="http://gradbudget.blogspot.com/2012/04/i-wish-i-was-minimalist.html" target="_blank">minimalist</a> this would be much easier...) </li>
</ol>
The thing that worries me a bit is that none of these things point to a specific career. Yes, I'm in graduate school doing interesting research that will ultimately culminate in a PhD. From there I have several choices, from working "in the industry," to becoming a professor, to doing something completely unrelated. My plans haven't gotten that far yet.<br />
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Even without a specific plan I can appreciate that saving money will open up opportunities for me as I figure out what I want (and even if I change my mind!). I try to keep my wants fairly simple. Watching TV on hulu for an hour after a busy few days is something that I'll happily pay for, even though I might forgo other wants in order to save money with the end goal of <b>keeping opportunities open!</b><br />
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Why do you save? What goals make you care about personal finance?Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com1tag:blogger.com,1999:blog-7437759868797179759.post-38517738833496283812012-04-23T14:53:00.000-07:002012-04-23T14:53:03.703-07:00Weekly Check-Up 4/23/2012<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">A special thanks to Ginna at </span></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><i style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: italic; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><a href="http://myprettypennies.com/" style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #1c9bdc; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: underline; vertical-align: baseline;" title="My Pretty Pennies">My Pretty Pennies</a> </i></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">who created the Weekly Money Check-Up.</span></span><br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCG4i5E1Xq05CePYNoa97Rb5QFOVMKHP0LCtqhELoFHsJNCHuKnpz6R0dzsJo5bfkSqNSSUyLWtfn3MV3kuya2d1-7lmRoQO8ZGFYpPkp33GWoMZ5AnSA6yBpIkaN3euquvC7DL-D7zDNq/s1600/WMCU_4_23_12.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCG4i5E1Xq05CePYNoa97Rb5QFOVMKHP0LCtqhELoFHsJNCHuKnpz6R0dzsJo5bfkSqNSSUyLWtfn3MV3kuya2d1-7lmRoQO8ZGFYpPkp33GWoMZ5AnSA6yBpIkaN3euquvC7DL-D7zDNq/s320/WMCU_4_23_12.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span class="Apple-style-span" style="font-size: small;">Picture from<span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><span style="border-width: 0px; font-weight: inherit; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"> </span></span><span class="Apple-style-span" style="color: #333333; font-family: Georgia,'Bitstream Charter',serif; line-height: 23px;"><i style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: italic; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><a href="http://myprettypennies.com/" style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #1c9bdc; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: underline; vertical-align: baseline;" title="My Pretty Pennies">My Pretty Pennies</a></i></span></span></td></tr>
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<span class="Apple-style-span" style="color: #3c3c3c; font-family: 'Droid Sans',arial,serif; line-height: 18px;"><i style="background-color: transparent; border-width: 0px; font-style: italic; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><b></b></i></span><br />
<a name='more'></a><span class="Apple-style-span" style="color: #3c3c3c; font-family: 'Droid Sans',arial,serif; line-height: 18px;"><i style="background-color: transparent; border-width: 0px; font-style: italic; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><b>1. The most I’ve spent this last week was on</b> </i><span style="background-color: transparent; border-width: 0px; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">my final payment for internet at my old apartment.</span></span><br />
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<span class="Apple-style-span" style="color: #3c3c3c; font-family: 'Droid Sans',arial,serif; line-height: 18px;"><span style="background-color: transparent; border-width: 0px; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><i style="font-weight: bold;">2. Today I am thankful </i><span style="font-weight: bold;"></span>rain! I don't know where this weather came from but I'm enjoying it. Usually it's nice during the week and crappy on the weekends but this past weekend was amazing and the cold is useful in keeping me in lab.</span><br /><i style="background-color: transparent; border-width: 0px; font-style: italic; font-weight: bold; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">3. Money can’t buy happiness. One free thing I did last week that made me happy was </i><span style="background-color: transparent; border-width: 0px; font-weight: bold; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"></span><span style="background-color: transparent; border-width: 0px; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">to swim laps at the campus pool. It's finally warm enough that I can convince myself to get into the cold water!</span><span style="background-color: transparent; border-width: 0px; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><br /><span style="background-color: transparent; border-width: 0px; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><b style="font-style: italic;">4. I will consider this week a success if I </b>don't choke during my presentation on Tuesday!</span><br /><i style="background-color: transparent; border-width: 0px; font-style: italic; font-weight: bold; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">5. I am currently wearing</i><i style="background-color: transparent; border-width: 0px; font-style: italic; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"> </i><span style="background-color: transparent; border-width: 0px; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;">jeans, belt, short sleeved shirt and a sweatshirt (my office has a temperature control problem and it's always cold so I keep warm layers here to put on!), my glasses, and shoes. Lab requires that I wear long pants and closed toed shoes at all time.</span><span style="background-color: transparent; border-width: 0px; font-weight: bold; margin: 0px; outline-width: 0px; padding: 0px; vertical-align: baseline;"><br /></span></span></span></div>Juliahttp://www.blogger.com/profile/17478579931549342960noreply@blogger.com0