It’s goal time. July came and went even faster than June. That’s the curse of summer, I suppose. While I definitely front loaded the month as much as possible, I’m pleased to say that we finished in good shape, too. In fact, I met most of the goals that I set, even if one goal did mean reloading my Amazon balance $1 a pop eleven different times.
Credit Card Check-In: HIT
It wasn’t pretty, I’ll say that. My credit score is my pride and joy, but I realize now that I’ve been using a strong score as a substitute for actually checking in with my accounts. Probably because I have too so many of them. 21 accounts to be exact. But the real kicker is the fact that if I hadn’t set this goal for myself, I wouldn’t have been able to tell you that number. I would have just pointed towards the location where we secure our cards that are collecting cobwebs. Not brilliant.
In a perfect heaping of kismet, I received a notice from Citibank that one of my accounts would be closed due to inactivity if I didn’t use it. Cue the terror. It’s not that I was particularly attached to this card. It’s simply that it happened to be one of my oldest plastic friends, which only matters because of that credit score I’m so fond of. That’s when I decided to confront all of my cards. To do this in the most efficient way I could surmise, I made myself a pile of plastic and charged $1 to each card, reloading my Amazon balance in anticipation of an order I had to place anyway (D batteries, anyone?). I did the same thing with a few of Mr. P’s cards, too. Next month, I’ll quickly pay off the balances, and they can return back to their status as dust collectors.
I have to admit that this sounds like a lot of work when I could just close the cards. But in an effort to bring up Mr. P’s nonexistent credit score when we first got married, I added him to most of my accounts. So I’m doing this out of love, you guys. You know, for my husband, not just my near-perfect credit score.
Gift Card Check-In: HIT
To say that I hoard gift cards is an understatement. In fact, I tweeted a while back that my estimated net worth in gift cards was probably $2,000. It turns out that our actual gift card net worth is $2,137.59. A considerable chunk of this balance is a result of our baby shower, but not all of it. In fact, we have $127 to use at the movie theater alone, which I look forward to using now that I no longer have a human sitting on my bladder.
Write for Money: HIT
My first check came through for a ghostwriting post I did in June. I also sent in another one at the beginning of July, but only after they sent me the first check. Penny’s got to get paid.
Save 45% of Our Income: HIT
Just like most month’s, this is pretty standard. I’d say we actually clocked in at closer to 50% if you add up all of the extras, like Half.com sales and cashing in our piggy bank. But I’m not taking this accomplishment for granted, seeing as August is the last month where we will be a two-income household.
Touch Everything in My House: MISS
I wasn’t actually expecting to run around and touch everything in my house in a month. I suppose I could have just to say I met my goal, but that would have actually defeated the entire purpose. Instead, I’ve been working on one room at a time, slowly and painfully taking everything out and ditching as much as I can. My proudest accomplishment so far involves our bathrooms. After finding a dozen or so items that we could donate, I also know exactly what we need to replenish and what we need to use up. I also tossed seven trophies that were a testament to my nonexistent athletic prowess growing up.
- Make money & save.
- Prepare for my leave.
- Focus on money less. More on this soon.
- Continue decluttering.
- Spend more time with family and outdoors.
I wasn’t sure I had it in me at the start of summer, but these goal posts actually added quite a bit of value to my life. So whether you like them or not, you’re getting at least one more to recap August. Now, it’s time to go savor the last month of summer.
So Tell Me…What’s your game plan for August?