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401k meeting, envelopes, and oranges.

January 3rd, 2007 at 12:17 pm

401k meeting was today. Our funds got bought by Wespac although the transfer hasn't happened yet so we can't actually dictate what money we want to go where until that happens.

They have quite a few options to choose from, all but like three of them were in the 4s and 5s as far as star rating on Morningstar is concerned. Because we're an institution there's no fees on trades so we can log on every day and change things if we want. Once it's all set up of course.

I think I've decided what I want to do. I took the little risk assesment quiz again to see where I fell and I'm still in the 'Balanced' range. Basically 60% stocks and 40% bonds. I picked out about 4 stock funds and 1 bond fund. I plan on putting $4k into each stock fund and the rest into the bond. Now it's just a wait and see..

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I sort of use Quicken as my envelope system. I make 'future' payments with amounts I'm setting aside for use later. For example, I hold out $100 for rent out of my check on the 20th to go towards the next month's rent so I enter it as a payment on the 4th of the following month and then use the Ending balance as what I pretend my actual bank balance is.

I am out of gas. I had to run errands this morning and used more than I'd planned. I've put in all of my gas budget, the last bit was enough for 2 gallons which is about 40 miles of all city driving. I'm up to 26 miles driven so far, and have at least 21 to go before payday (Friday). So I 'borrowed' $40 out of one of my 'envelopes'. I'll put gas in tonight or tomorrow morning and fill it. Then I'll pay back the 'envelope' on Friday as soon as I get paid. It really struck me as funny how ingrained I've gotten to pretending money isn't in my account, I was actually panicing trying to figure out how to do everything I needed to on fumes.

I don't plan on doing this often but it's nice to have that 'oh yeah' moment.

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Anyone have tips on how to keep oranges from going bad? Normally I only buy enough fruit to get me through the week but I only had my Costco card to buy food with so I bought an 8 lb bag of oranges. I've eaten 4, and have had to toss 4 because of mold. There's 5 left, well 1 in my lunch so that one's ok but then 4 more at home.

I suppose I could keep them in the fridge but my teeth are sensitive so I don't think about putting fruit in the fridge because I can't eat it right away. However I could just store it in there and it should be room temp by the time I eat it at lunch. Hmm. Anyway.

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On last thing. My best friend is moving from Seattle to Utah for 18 months to go through a Nursing program. She's very excited about it and I don't know that I'll get to see her as often because of it. I'm working out my schedule for the end of my vacation time and I got a schedule from her of their tenative move plans. Her parents are driving up from CA and towing a UHaul trailer (though it'd be more cost effective to pick up the trailer in WA) and then they'll spend a day packing it, another two days driving, and then a day unpacking.

I wanted to go help her move, it's a big life change and I really support her in it. But original dates made it impossible. However it looks like it just might work out. I could catch a ride with her parents as they pass through Portland and fly back from Salt Lake. Right now tickets are $137 for one way and according to Farecast ticket prices will be heading back up in the next 7 days so buying it now is a wise move. Of course the ticket is non refundable but I'm going to call and make sure I'm reading it right, that I can use it for another ticket on that airline later if I cancel it. I figure I'll probably be making at least one flight out to see her in the next year if nowhere else.

I'm going to wait to actually talk to her about it before doing anything since it's still dependant on when her dad can get time off work. It's also dependant on when another friend's baby arrives because the front part of my vacation will be spent helping that family. It would mean dipping into savings to pay for the flight.

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