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	<title>FeatherLight &#187; budget</title>
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		<title>Health</title>
		<link>http://feather-light.com/2009/03/health/</link>
		<comments>http://feather-light.com/2009/03/health/#comments</comments>
		<pubDate>Tue, 31 Mar 2009 21:51:32 +0000</pubDate>
		<dc:creator>Amanda</dc:creator>
				<category><![CDATA[budget]]></category>
		<category><![CDATA[indignities]]></category>
		<category><![CDATA[me]]></category>

		<guid isPermaLink="false">http://feather-light.com/?p=522</guid>
		<description><![CDATA[So, there&#8217;s financial health. I mentioned before that I was signing up for SmartyPig, and I have since registered, opened an account, and set up my first savings goal. I decided to save for a down payment on a new car &#8211; it&#8217;s getting to be time to replace the ol&#8217; Spectra. She&#8217;s been a [...]]]></description>
			<content:encoded><![CDATA[<p>So, there&#8217;s financial health. I mentioned <a href="http://feather-light.com/2009/03/piggybankpiggybank/">before</a> that I was signing up for <a href="http://www.smartypig.com">SmartyPig</a>, and I have since registered, opened an account, and set up my first <a href="https://www.smartypig.com/friends-goals/41834f67-ad7d-4d5d-b068-640d668ebffa">savings goal</a>. I decided to save for a down payment on a new car &#8211; it&#8217;s getting to be time to replace the ol&#8217; Spectra. She&#8217;s been a good car for a cheap, Korean piece o&#8217; crap, but I&#8217;d like something a little nicer.<br />
<br />
I have also finally, finally linked all my accounts to <a href="http://www.mint.com">Mint</a>, which is this nifty online financial management thing. You can set a budget, it sends you alerts, and it downloads all your account information so it&#8217;s visible in one place. There are some drawbacks to using it rather than, say, MS Money&#8230; you can&#8217;t enter transactions you&#8217;ve made and scheduled transactions don&#8217;t show up &#8211; it&#8217;s more of an &#8220;actual&#8221; than a &#8220;forecast&#8221;. I don&#8217;t like keeping all of this information in more than one place, but I imagine it&#8217;s only a matter of time before they upgrade the tool and charge a fee for that kind of functionality. Oh, did I mention it&#8217;s free?<br />
<br />
I&#8217;ve also increased my automatic savings plan at <a href="http://www.ingdirect.com">ING Direct</a> to help bulk up my emergency fund. I haven&#8217;t had ANY emergency fund until this month, but I had my tax refund direct deposited there, and it gave me a bit of a boost. Now I just have to keep my hands off of it. I&#8217;m terrible about leaving money alone&#8230;<br />
<br />
&#8230; and here&#8217;s an example. I paid off a high-interest credit card with part of my annual bonus. I&#8217;m not going to close it, because that can actually <a href="http://articles.moneycentral.msn.com/Banking/YourCreditRating/Your5MinuteGuideToCreditScores.aspx?page=2">hurt your credit rating</a> by lowering your overall available credit. Anyway, wouldn&#8217;t you know that card is just burning a hole in the desk drawer where I stashed it? I mean, there&#8217;s tons of things I could buy&#8230; I need (want) new shoes, I need (want) a new purse/bag, I need (want) some new clothes. But this is the year I become more <a href="http://feather-light.com/2008/12/resoluteresolute/">financially responsible</a>, right?<br />
</p>
<p><center>~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~</center></p>
<p>And then there&#8217;s physical health. You know, the Feather family is just not having a great year, so far. Mom has been diagnosed with uterine cancer &#8211; her appointment with the oncologist is this Thursday, so we&#8217;ll find out more about what type of cancer it is and where we go from here, but it&#8217;s kind of rough. She is, after all, over 800 miles away from me and RC, so it&#8217;s just her and Dad down there, goin&#8217; it alone. As for me, I&#8217;ve been battling this ridiculous stye now for the past week, and it just doesn&#8217;t want to go away. I hate styes. There&#8217;s no reason for them, no reason at all. And there&#8217;s no cure for them&#8230; just put a hot compress on it, they say. BAH!!<br />
<br />
On the physical <em>fitness</em> front, though, I&#8217;ve been going to the gym regularly since they opened in February &#8211; at least three times a week for cardio work. I am SO out of shape&#8230; I made the mistake of glancing at the treadmill next to me the other day to see what the little chippy was doing, and she was walking at a brisk 4.0 miles an hour. Hmm. I&#8217;m really hoofing it at 2.8 miles an hour, on an incline, even, to get my heart rate up. But it&#8217;s more active than I&#8217;ve been in a long time and it feels fantastic. I actually *like* going to the gym. And as soon as I hit 3.0 miles an hour, I&#8217;m going to start adding some weight-training into my routine.<br />
</p>
<p><center>~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~</center></p>
<p>Now if I can just keep my mental health on an even keel&#8230; I think I&#8217;ll be alright.</p>
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		<item>
		<title>Piggybank</title>
		<link>http://feather-light.com/2009/03/piggybank/</link>
		<comments>http://feather-light.com/2009/03/piggybank/#comments</comments>
		<pubDate>Thu, 05 Mar 2009 01:37:27 +0000</pubDate>
		<dc:creator>Amanda</dc:creator>
				<category><![CDATA[budget]]></category>

		<guid isPermaLink="false">http://feather-light.com/?p=492</guid>
		<description><![CDATA[I was absolutely not kidding when I said Facebook would be my new timesuck. It&#8217;s soooo easy to just play around and totally forget that hey! I haven&#8217;t posted here in like 2 weeks! ~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~ I guess I don&#8217;t have enough going on right now to provide much blog fodder. Between playing with Facebook, sleeping [...]]]></description>
			<content:encoded><![CDATA[<p>I was absolutely not kidding when I said Facebook would be my new timesuck. It&#8217;s soooo easy to just play around and totally forget that hey! I haven&#8217;t posted here in like 2 weeks!</p>
<p><center>~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~</center></p>
<p>I guess I don&#8217;t have enough going on right now to provide much blog fodder. Between playing with Facebook, sleeping over with the girls, and cleaning up after the animals, I&#8217;ve barely had time over the last week to catch up on TV (except for Battlestar Galactica&#8230; only 3 episodes left!), let alone write in this space. The only really new thing &#8211; and it&#8217;s not <em>really</em> new &#8211; is that I&#8217;ve put myself on an austerity program. I&#8217;d already decided I wasn&#8217;t going to spend unnecessary money for most of January and all of February&#8230; and I&#8217;ve kind of extended it into March. Just like the company I work for, no new spending in Q1! I guess you could argue that the nearly 10 lbs. of gummy bears purchased over the last 2 months aren&#8217;t really necessary&#8230; but my tummy would argue right back.<br />
<br />
Anyway, I figure if the likes of <a href="http://www.iambossy.com/">these</a> <a href="http://simplelovely.blogspot.com/">bloggers</a> can do it, so can I. I found out yesterday what my raise will be this year, and what I&#8217;m getting for a bonus&#8230; it&#8217;s generous, given the state of the economy these days. And I&#8217;m not going to waste it&#8230; I&#8217;m going to save it. I have all of these things to save for &#8211; home improvement projects, upgraded technology, wardrobe enhancements &#8211; and now is the time to do it. Oh, don&#8217;t worry. I&#8217;ll spend some of it and do my part to boost the economy, but I&#8217;m going to try really, really hard to limit frivolous spending.<br />
<br />
To help me with my savings goals, I think I&#8217;m going to try out <a href="http://www.smartypig.com/">SmartyPig</a>. It doesn&#8217;t cost anything to set up an account, and right now it has a better rate than my ING Direct savings account. You get incentives if you cash in your savings with one of their preferred merchants&#8230; say you&#8217;re saving for a TV, for example, and you&#8217;ve reached your savings goal. Rather than withdraw the money the old-fashioned way, you turn it into a Best Buy giftcard, and you get up to a 6&#37; boost to your savings. Friends can also &#8220;donate&#8221; to your savings goal, which is kind of different.<br />
<br />
Now I just need to figure out what to save for first.</p>
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		<item>
		<title>Checkin&#8217; in</title>
		<link>http://feather-light.com/2009/01/checkin-in/</link>
		<comments>http://feather-light.com/2009/01/checkin-in/#comments</comments>
		<pubDate>Mon, 26 Jan 2009 19:06:45 +0000</pubDate>
		<dc:creator>Amanda</dc:creator>
				<category><![CDATA[budget]]></category>
		<category><![CDATA[nablopomo]]></category>

		<guid isPermaLink="false">http://feather-light.com/?p=460</guid>
		<description><![CDATA[So, hi&#8230; hey, this NaBloPoMo thing is working out really well for me, eh? All this blogging&#8230; wait, what blogging? Oh, RIGHT. I haven&#8217;t written anything in about a week. In other total failure news, I spent about $100 since Friday that I did not need to spend. It all started Friday at lunchtime &#8211; [...]]]></description>
			<content:encoded><![CDATA[<p>So, hi&#8230; hey, this NaBloPoMo thing is working out really well for me, eh? All this blogging&#8230; wait, what blogging? Oh, RIGHT. I haven&#8217;t written anything in about a week.<br />
<br />
In other total failure news, I spent about $100 since Friday that I did not need to spend. It all started Friday at lunchtime &#8211; I decided to go out to eat, but I can&#8217;t just eat by myself. I have to have something to read while I eat. Since I had forgotten to carry a book with me all week, I figured I&#8217;d stop by Barnes &#038; Noble and pick up a magazine&#8230; just something quick. I ended up with <a href="http://www.amazon.com/Secret-History-Pink-Carnation/dp/045121742X/ref=pd_bbs_sr_1?ie=UTF8&#038;s=books&#038;qid=1232996177&#038;sr=8-1">two</a> <a href="http://www.amazon.com/Firefly-Lane-Kristin-Hannah/dp/0312537077/ref=ed_oe_p">books</a> and <a href="http://www.amazon.com/The-Bark/dp/B00006K5BD/ref=sr_1_1?ie=UTF8&#038;s=magazines&#038;qid=1232996248&#038;sr=1-1">two</a> <a href="http://www.amazon.com/Modern-Dog/dp/B0000AN46X/ref=pd_sim_mag_1">magazines</a>. What is <em>wrong</em> with me, that I can&#8217;t walk into a store, buy one teeny magazine, and walk back out?<br />
<br />
This morning as I got dressed, I realized the pair of pants I was planning to wear just felt&#8230; a little tight. So I figured I should replace them, right? The replacement pair at Old Navy were on sale for $19.50, so that&#8217;s not so bad. But then I added a 3/4-sleeve cardigan&#8230; still not terribly pricey, but I didn&#8217;t really <strong>need</strong> it.<br />
<br />
I&#8217;m going to extend my spending hiatus to try and make it up&#8230; I&#8217;m going to go for the end of February and see how things go. Somewhere in there I have a wedding to go to, so I need to get shoes and some undergarments (at least I already have a suitable dress!), but other than that I think I can do it.</p>
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		<item>
		<title>Accountability</title>
		<link>http://feather-light.com/2009/01/accountability/</link>
		<comments>http://feather-light.com/2009/01/accountability/#comments</comments>
		<pubDate>Wed, 14 Jan 2009 04:07:48 +0000</pubDate>
		<dc:creator>Amanda</dc:creator>
				<category><![CDATA[budget]]></category>
		<category><![CDATA[nablopomo]]></category>

		<guid isPermaLink="false">http://feather-light.com/?p=444</guid>
		<description><![CDATA[I am so bad at this not buying anything new! I think I&#8217;ll post purchases here&#8230; at least that way I&#8217;m forced to face it. Yesterday I bought a replacement bird feeder. The other one I had was kind of icky and didn&#8217;t come apart for cleaning. It could probably have waited until next month, [...]]]></description>
			<content:encoded><![CDATA[<p>I am so bad at this not buying anything new! I think I&#8217;ll post purchases here&#8230; at least that way I&#8217;m forced to face it.<br />
<br />
Yesterday I bought a replacement <a href="http://www.drollyankees.com/products.cfm?ID=5">bird feeder</a>. The other one I had was kind of icky and didn&#8217;t come apart for cleaning. It could probably have waited until next month, but the birds have been spending a lot of time at the feeders lately, and I don&#8217;t want them to get sick! The feeder was $34 or so + tax.<br />
<br />
Today, I ordered a <a href="http://www.amazon.com/Vantec-Nst-360U2-Bk-Nexstar-External-Enclosure/dp/B0009HLAD0/ref=pd_rhf_p_t_2">hard drive enclosure</a> so I can try to get all the data off the hard drive before I ditch the ol&#8217; desktop. It&#8217;s definitely dead&#8230; I don&#8217;t know what, exactly, is wrong with it, but I&#8217;m tired of messing around with it. Total cost, including shipping, was $39.<br />
<br />
I think I&#8217;m done for the week&#8230; if I can avoid leaving the house, I <em>might</em> be able to keep from spending any more money. Maybe.</p>
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		<title>January fail</title>
		<link>http://feather-light.com/2009/01/january-fail/</link>
		<comments>http://feather-light.com/2009/01/january-fail/#comments</comments>
		<pubDate>Sun, 11 Jan 2009 04:24:53 +0000</pubDate>
		<dc:creator>Amanda</dc:creator>
				<category><![CDATA[budget]]></category>
		<category><![CDATA[i want that!]]></category>
		<category><![CDATA[nablopomo]]></category>

		<guid isPermaLink="false">http://feather-light.com/?p=432</guid>
		<description><![CDATA[Oops. I forgot to post yesterday. You know, I&#8217;m not going to beat myself up about it &#8211; I mostly participate in the non-official months because the accountability for posting is helpful, so it&#8217;s not really a big deal that I missed one measly little day. ~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~ I was thinking earlier this week about my [...]]]></description>
			<content:encoded><![CDATA[<p>Oops. I forgot to post yesterday. You know, I&#8217;m not going to beat myself up about it &#8211; I mostly participate in the non-official months because the accountability for posting is helpful, so it&#8217;s not really a big deal that I missed one measly little day.</p>
<p>
<center>~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~</center></p>
<p>I was thinking earlier this week about my resolution to be more financially responsible, and I kind of decided that for this month, that would mean not buying anything new. I hadn&#8217;t really put it into practice, and now I&#8217;ve blown it. After a bloody nose every morning this week thanks to the dry, winter air, I broke down and bought a humidifier. It was on sale for $29.99, and it came with three additional filters, so it was a pretty good deal. I could have ordered replacement filters for the ancient humidifier I have in the closet, but I&#8217;m not sure it would still hold water since it&#8217;s been several years since I last used it. Not to mention that it would cost more for shipping than it would for the filters, and I just can&#8217;t deal with that! I figure I&#8217;ll either sell it in a garage sale this spring or donate it to Goodwill.<br />
<br />
On top of the humidifier, my toaster died this week. I don&#8217;t eat a lot of toast, but I need it frequently enough that I needed to replace it pretty quickly. Hey, I have a whole package of english muffins languishing uneaten in the cabinet! I can&#8217;t let those go bad, can I? I didn&#8217;t buy a fancy-schmancy model&#8230; I don&#8217;t need more than 2 slices at a time, and I don&#8217;t toast a lot of frozen items, so I didn&#8217;t need anything with multiple settings.<br />
<br />
In addition to those things, I bought a new planner for my purse, and these really cool new Post-It <a href="http://www.3m.com/us/office/postit/pockets/index.html">Pockets</a>. I always get the urge to get organized at the beginning of the year, and I&#8217;m sure these will work for a while, but eventually I&#8217;ll neglect them entirely. I figured I could at least stuff receipts in one of them &#8211; I&#8217;ve <em>got</em> to keep better track of what I spend on the foster bunnies this year. I almost always have a pile of things that need to be filed, and I can use one of the others for that. The third&#8230; I don&#8217;t know yet what I&#8217;ll use it for, but for now it&#8217;s stuck to the side of the kitchen cabinet.<br />
<br />
I think I&#8217;m done&#8230; maybe I&#8217;ll just start not buying anything new on Monday? I&#8217;m just so tempted&#8230; Target has a bunch of <a href="http://www.target.com/Bench-Antiqued-Grey/dp/B001CPEOG8/qid=1231647432/ref=br_1_5/184-8786512-1145817?ie=UTF8&#038;node=1254799011&#038;frombrowse=1&#038;pricerange=&#038;index=target&#038;field-browse=1254799011&#038;rank=pmrank&#038;rh=&#038;page=2">new</a> <a href="http://www.target.com/Black-Rug-Blue-Gray-Flower/dp/B001BMM3RO/qid=1231647538/ref=br_1_7/184-8786512-1145817?ie=UTF8&#038;node=1254793011&#038;frombrowse=1&#038;pricerange=&#038;index=target&#038;field-browse=1254793011&#038;rank=pmrank&#038;rh=&#038;page=4">home</a> <a href="http://www.target.com/Round-Capiz-Leaf-Mirror/dp/B001B65QK6/qid=1231647592/ref=br_1_10/184-8786512-1145817?ie=UTF8&#038;node=1254793011&#038;frombrowse=1&#038;pricerange=&#038;index=target&#038;field-browse=1254793011&#038;rank=pmrank&#038;rh=&#038;page=6">decor</a> <a href="http://www.target.com/Wood-Shelf-Gray/dp/B001D1I2WI/qid=1231647696/ref=br_1_4/184-8786512-1145817?ie=UTF8&#038;node=1254793011&#038;frombrowse=1&#038;pricerange=&#038;index=target&#038;field-browse=1254793011&#038;rank=pmrank&#038;rh=&#038;page=14">stuff</a>, I&#8217;d like to buy some more <a href="http://www.sahalie.com/jump.jsp?itemID=168&#038;itemType=PRODUCT&#038;path=1%2C2%2C6%2C510&#038;iProductID=168">Wild Thangs</a>, and I&#8217;m really wishing for some new houseplants. But for the sake of financial stability and home improvement, I&#8217;ll suck it up.</p>
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		<title>Day 2 &#8211; Almost forgot&#8230;</title>
		<link>http://feather-light.com/2008/11/day-2-almost-forgot/</link>
		<comments>http://feather-light.com/2008/11/day-2-almost-forgot/#comments</comments>
		<pubDate>Mon, 03 Nov 2008 04:47:19 +0000</pubDate>
		<dc:creator>Amanda</dc:creator>
				<category><![CDATA[budget]]></category>
		<category><![CDATA[nablopomo]]></category>

		<guid isPermaLink="false">http://feather-light.com/?p=176</guid>
		<description><![CDATA[Two days in and I&#8217;m already writing a late-night post. Whew. Mom asked me this week what I&#8217;d like to have for Christmas. I keep wishlists on Amazon.com, Kaboodle, and I have a ton of favorites on Etsy, but I haven&#8217;t kept them up to date lately. With the economy what it is, buying Christmas [...]]]></description>
			<content:encoded><![CDATA[<p>Two days in and I&#8217;m already writing a late-night post. Whew.<br />
<br />
Mom asked me this week what I&#8217;d like to have for Christmas. I keep wishlists on Amazon.com, <a href="http://www.kaboodle.com/aml1676/aml1676s-wish-list.html">Kaboodle</a>, and I have a ton of favorites on Etsy, but I haven&#8217;t kept them up to date lately. With the economy what it is, buying Christmas presents is just not what I&#8217;m thinking about. I&#8217;ve always preferred the giving &#8211; don&#8217;t get me wrong, I LOVE to open presents and be surprised (don&#8217;t you <strong>dare</strong> ruin the surprise), but the thing I really love about Christmas is seeing the joy on someone else&#8217;s face when they get something really good, maybe even something they didn&#8217;t know they wanted. I&#8217;m looking forward to the holidays, as always, but this year will be leaner than in the past. To me, that just means making the gifts I <em>do</em> find for others count&#8230;</p>
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