11/19/07

I did it. I got rid of all 19 magazines. Its one of those very small things that matters to only me. But its about having a clean and workable space. I need to have some more peace in my life. I want to be free of the emotional debt. Then I will be free of the actual debt as well. One day at a time.

Did I mention that I took a credit card out of my wallet? I did only debit card goes with me. I am trying very hard to live on cash only. In some ways it is harder then I though. In others Awesome fiancee is picking up some slack. He treated us to dinner out during our last college exploration trip. It helps a lot because the other expense in addition to traveling was $350 for the eye do

Next focus. Financial documents on top of my desk.

There are two things at play here. One Eliminate clutter. This will save me money when we move next summer. I will not have to pay to store the magazines. (We are planning to move into a smaller space to save money.) Second to get rid of that which emotionally weighs you down.

Get smart about space & place...

I am consolidating my papers down to 3 total file drawers.

Streamline your system....

I pay bills online.
I dont like automatic payments because if your timing is a little off you can end up paying bank fees. I always sit down the weekend before the first of the month and look ahead to figure out how short I will be and stratagize how to juggle the bills for the upcoming month.

I have started using an excel spreadsheet looking at my spending every month and For the first time I brought my lunch 4/5 days last week.

I dont know what to do with all the medical information. It feels like I should record it somehow and it should be organized in some way but I cant begin to know what would be helpful. I have not seen any blogs about that. What would matter to a doctors office or hospital. How important is a full medical history. Do you need origional paperwork or is a scanned copy of stuff okay?

HMO vs PPO

Big decision. Here is what is going into my planning...

Cost

Ease of use

Potential health issues in my future

State retirement

1361.17 2006 contribution
2162.10 2005 contribution
1935.55 2004 contribution
----------
5458.82 total contributions

there is currently 6k in there. I am so glad I have some record of my contributions. I thought there was so much more interest. But If 5500 is mine I can roll it into another fund and be on my merry way

Happy days