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Archive for January, 2008: Gasping for Breath
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Archive for January, 2008

Taxes done.

January 31st, 2008 at 03:01 pm

I just finished my taxes and I'm not happy with the results.

For federal I am only getting back about $100 more than last year. I'm disappointed only because I left my withholdings at 1 for longer than I did the year before so I expected a little more of a refund. However at the same time I worked a side job that barely taxed me so it makes sense.

For state, ugh I owe! This is the first time (aside from when I was an independent contractor) that I've had to pay! Last year my return was only $18 so I was anticipating cutting it close once again. I did not expect to have to pay $172!

I'm going to go over it again later but if I do have to pay you can bet I won't be turning it in until I get my federal back.

New EF goal and playing with savings accounts

January 25th, 2008 at 03:03 pm

Now that I'm on the tail end of this saving every extra penny because I'll need it when I transition to my new paycheck kick I have decided to change my EF.

I have three accounts that make up my EF. Two are over $400 and one is over $500. Once I get my first real full month paycheck on Feb 15 I will have a better grasp on what my real income will be and I can start putting money towards paying stuff off again.

The plan is simple...

Until each account reaches $500, at the end of the month I will pull everything over $500 out of my WF account and use it to pay down debt.

Each account (ING, Emigrant, WF) will basically maintain roughly $500 balance so after it reaches that goal, once the total between the three is more than $1600 I will pull out everything over $500 and apply it to debt at the end of every month.

ING gets $20 put in automatically every month.

Emigrant gets at least $20, sometimes more if I babysit or do a Pinecone survey, every month.

WF gets $75 auto transferred every month but that's just because it's one of the conditions for having the type of account I have.

I may suspend the transfers to the first two accounts once they reach $500 and just keep the third one going that way I'm not transferring in and back out every month. That part I have not decided yet. I like to have the habit of socking away into savings but I will still have the auto transfer set up for the third.

Finding more ways to save.

January 24th, 2008 at 02:05 am

I happened to mention to my chiropractor that I am no longer covered under insurance and that now I am paying out of pocket. Her response was that once I get on a maintenance plan (right now I'm on a plan to fix something specific) that they will give me a discounted rate so long as I commit to coming in once a month. I was planning on doing so anyway so that's good. Plus they have like a punch card, come in for 12 months consecutively and get a free massage or something like that. I won't complain!

I also got an email from a friend who can get half price bus passes from her work. She doesn't need hers for Feb so she offered to buy it for me instead. I think it will work since right now I tell work how much to take out for my transportation costs and then just turn in a receipt showing I paid that amount. I sent in the slip today to lower the amount I'm having them take out and since she buys the pass at a store there will be an accompanying receipt that I can turn in. Even if for some reason they don't accept it, it's still a worthy savings. I don't know how many months I will be able to do that but I can change how much they take out from my pay as often as I want. It's way more flexible than my flexible spending account. Smile

So Excited!

January 16th, 2008 at 06:07 am

I got my first paycheck today...my first paycheck after becoming a permanent employee that is. When I first looked at my bank records I thought at first that perhaps they hadn't taken out my pre tax stuff (FSA and transportation) and the second thought was perhaps I got a raise. And the answer is....

I GOT A RAISE. Though since they were paying me through a contract company before it may still be less to them. No matter. I double checked one of my old pay stubs from my old job. I am now, after 3 months in a lower position, making $50 (gross) less per month than I was making after 10 years in a higher position. Daymn!

Net it works out even better. On my check, I'm taking home about the same as before however...I'm also having them take out $165 pre-tax for FSA and transportation allowance so technically I'm so making more than I was before.

Of course, after a couple of months my 401k will start coming out so that will make a difference but I don't care!! I'm so excited! They will match up to 3% so I just did 3%. And in June or so I'm going to change my withholdings to 2 so I don't pay as much in taxes straight up.

I so can't wait to do my taxes this year. With all the changing jobs and stuff I didn't do the change withholdings thing as much so I should actually get something back.

No more chiropractor coverage.

January 5th, 2008 at 08:31 pm

I found out yesterday while looking over all my paperwork to become a permanent employee that chiropractic care is not covered under my new insurance. This is sad because I am under treatment right now once a week. Because it is needed, not just wanted, I will continue it to the tune of $60/visit and save my receipts for 2008 taxes. My new work has an FSA that I could load up with money to cover the expenses but I'm a little leary of doing so with the whole spend it or loose it philosophy. I will send $50/mo into the FSA to cover my prescriptions at least. Who knows, I may wind up spending it all after all.

This month I don't need to buy any meds so I will use the $180 I budget for medical on the chiro that way I avoid charging it. I'm still doing well in the savings arena too so I may make it out unscathed when all is said and done. We'll see.