So, yesterday I met with a gentleman about rolling over my 401k from my old job into an IRA. I need to get the appropriate paperwork, then this will be done. The money will be split 50/50 into two different mutual funds. One very aggressive and one not so much. The average will probably be around 8%ish between the two of them.

My rear passenger window also decided it no longer wanted to play along and will not roll up. I have paper shoved in to keep it from falling now. Today I get it fixed - 250 bucks not going towards the 1,000 month Jeep payment plan.

Well, there was also this thing leaking into my motor so I have to get that changed...another $300 bucks.

:(

Pay Day

I get paid once a month...and immediately start to line up all of my bills in the Bill Pay deal with my bank and pop 500 bucks into savings (this is now going towards paying off my Jeep faster).

Paid off the plane ticket for our trip to Seattle and bought a new digital camera on the cheap since my last one was stolen 6 months ago. Our tip is in mid march and then we will be back on schedule with the money issue. At least our hotel is already paid for by some dog-sitting we did a while back. All of the trip will be paid in cash. We only do something like this once a year and I sooo look forward to it.

My goal of the week is to go write the credit agencies and dispute the ones I know I paid off and have them listed differently on my credit report. What do I ask for? They are listed as charged off...have them report them as settled? paid?

Today I have a meeting with the financial guy at the credit union who lets me know more about the Teacher Retirement System that I am in...even though I am not a teacher. I have a 401k from my last job with about 8000 dollars in it that I need to roll into something else. I know we have the option of a 403b here. I just really don't know what to do, so hopefully he will have some ideas.

Onward.

First Post

I have been reading many a financial blog recently....and well, here I am on my own Journey. Time to be truthful, time to buckle down, and time to learn.

I am 25 and I want a house. I have been concerned about saving for a while now, but never really knowing what to do....and not really wanting to give up the pleasures the spending a few extra bucks here and there bring.

I have played around with budgeting, but never got serious.

Some first goals:
get a budget together
pay off car loan

I bought my car new...I can't believe my father encouraged me to do that. I have driven the heck out of it and have put 75,000 miles on it in 3 years. It has been a great time, though! Right now my payments are 376. I threw an extra 1,000 bucks in last month and hope to pay a total of 1000 dollars each month. Right now there is $7,368.34 left.

I don't have any credit card debt to speak of. I do have accounts in bad standing that will be off my report in about a year. From a horrible ex who did horrible things, I paid off thousands of it and not knowing how the credit system worked at a young age of 22...they show up as charge offs when I paid the full amount. Current credit score...a poor-fair 696

Yes, plenty of mistakes in my background, but I have been pretty good since...not good enough as to save as much as I should have.

Here we go.