xtina: (Default)
Okay, so, I apparently have two retirement fund-type things: one at John Hancock, and one at Paychex, both through my ex-employer.  (At least I think the Paychex thing is retirement-based.)  I would like to consolidate this all into one account, preferably not necessarily tied to an employer.  So, questions:

* What are yall's recommendations for a good place to send this money to?  Or should I stay at John Hancock?

** I do have existing normal accounts at ING and at Citibank.  Should I check there, too?

* When I decide, and subsequently open an account, do I have to have the money immediately, or can I do some sort of transfer from Hancock to [new place]?

* I do plan to be employed in the future.  Can I have $[amount] sent, per paycheck, to this account?  I've only had retirement funds through work, so I don't know how work/personal goes.

** Alternate question: what if I decide to go with PlaceA, and an employer offers retirement fund matching stuff through PlaceB?  I can have multiple accounts, no sweat.
xtina: "No... :( I wanted the opposite of this. :( " (things have gone awry)
When I get my paycheck this week, I'm going to take out the amount I have saved up and set it aside.  That way, I won't accidentally spendify it.  Alternately, I'll transfer it to bank::savings, to keep it away from bank::checking.

Gah, I only have stuff that fills a pre-furnished 10'x9' room, and it still feels like too much goddamn stuff.  On the other hand, I packed one bin (yarn, special-occasion clothes, books I've just read) and two teensy boxen-things, plus one bag for Goodwill/sale, plus three bags of trash/recycling, so go me!  I may be a little excited.  (I may carry the floor plans in my pocket.)

Oh gosh, when is trash day at the new place?  *beam*  Also, must print this page for putting on the side of the fridge.

I can never find food that is actually filling, for work.  This is unreasonably annoying.  I keep expecting to only have to eat once a day during the week and twice a day on weekends, and being all pissy when this naturally doesn't bear out.  "I just ate!  Waddayamean I gotta do it again?  I'm busy, and I just ate!"  Mneh.

Alas, I have a penchant for going through things immediately.  Hence why I can't have alcohol or snacks or things just hanging out in the house -- I will consume them all immediately.  "I'll just have a couple of Tootsie Rolls... *an hour later*  Why do I feel ill?"  This is why ING is win for me -- no chance of using it up Because It's There, because it really isn't.

I have a small stash of buttons, for [livejournal.com profile] bbbsg, for some reason.  I still have 242 lei, which is approximately 73 USD.  The banks around here just straight don't know what to do with it.  Would New York banks have a better time of this, do you think?  If so, maybe I'll just send it to [personal profile] rosefox, for paying my share of the phone bill this and next month.

...that's not a bad idea at all.

OH yes so I applied to jobs!  Woo!  One is exactly perfect, except for it's part-time at a start-up.  But, if it is sufficiently awesome... *shrugs*  I might put my ray-zoom into some direct-to-hire places, even though it's a pain, just to be thorough.

Also-things: shower curtain, flashlight and extra batteries, leave one of my unscented candles and some matches in the junk drawer.  What there needs to be is a bathroom junk drawer and also a my-stuff junk drawer.  I'm sure there are bins for this in the world.  And a proper laundry hamper!  I definitely want to get a desk soon, too.

I need, need, to budget hard for this month.  New-rent, deposit, prorated rent for current place, brain drugs, bus pass, phone bill, groceries.  Plus, I need to call two places and cancel my accounts.

On a scale of one to weird, how weird is it that I already know how Josh's and my fight about cleaning will go, and that it'll probably happen in the first quarter?  I worry that he'll see my not getting on his case about his place as my accepting his clutter-style, when really, it's about not getting on his case about his goddamn place, hello.  And I really don't want charts or schedules or anything, but I also don't want both of us getting lazy, or resentful...

I think too much.

--

In other news, I made a userpic.

Originally posted on Dreamwidth.  Number of comments so far: comment count unavailable
xtina: "No... :( I wanted the opposite of this. :( " (things have gone awry)
When I get my paycheck this week, I'm going to take out the amount I have saved up and set it aside.  That way, I won't accidentally spendify it.  Alternately, I'll transfer it to bank::savings, to keep it away from bank::checking.

Gah, I only have stuff that fills a pre-furnished 10'x9' room, and it still feels like too much goddamn stuff.  On the other hand, I packed one bin (yarn, special-occasion clothes, books I've just read) and two teensy boxen-things, plus one bag for Goodwill/sale, plus three bags of trash/recycling, so go me!  I may be a little excited.  (I may carry the floor plans in my pocket.)

Oh gosh, when is trash day at the new place?  *beam*  Also, must print this page for putting on the side of the fridge.

I can never find food that is actually filling, for work.  This is unreasonably annoying.  I keep expecting to only have to eat once a day during the week and twice a day on weekends, and being all pissy when this naturally doesn't bear out.  "I just ate!  Waddayamean I gotta do it again?  I'm busy, and I just ate!"  Mneh.

Alas, I have a penchant for going through things immediately.  Hence why I can't have alcohol or snacks or things just hanging out in the house -- I will consume them all immediately.  "I'll just have a couple of Tootsie Rolls... *an hour later*  Why do I feel ill?"  This is why ING is win for me -- no chance of using it up Because It's There, because it really isn't.

I have a small stash of buttons, for [livejournal.com profile] bbbsg, for some reason.  I still have 242 lei, which is approximately 73 USD.  The banks around here just straight don't know what to do with it.  Would New York banks have a better time of this, do you think?  If so, maybe I'll just send it to [personal profile] rosefox, for paying my share of the phone bill this and next month.

...that's not a bad idea at all.

OH yes so I applied to jobs!  Woo!  One is exactly perfect, except for it's part-time at a start-up.  But, if it is sufficiently awesome... *shrugs*  I might put my ray-zoom into some direct-to-hire places, even though it's a pain, just to be thorough.

Also-things: shower curtain, flashlight and extra batteries, leave one of my unscented candles and some matches in the junk drawer.  What there needs to be is a bathroom junk drawer and also a my-stuff junk drawer.  I'm sure there are bins for this in the world.  And a proper laundry hamper!  I definitely want to get a desk soon, too.

I need, need, to budget hard for this month.  New-rent, deposit, prorated rent for current place, brain drugs, bus pass, phone bill, groceries.  Plus, I need to call two places and cancel my accounts.

On a scale of one to weird, how weird is it that I already know how Josh's and my fight about cleaning will go, and that it'll probably happen in the first quarter?  I worry that he'll see my not getting on his case about his place as my accepting his clutter-style, when really, it's about not getting on his case about his goddamn place, hello.  And I really don't want charts or schedules or anything, but I also don't want both of us getting lazy, or resentful...

I think too much.

--

In other news, I made a userpic.
xtina: (Default)
Clearing out a tab.

http://finance.yahoo.com/expert/article/moneymatters/956

Originally posted on Dreamwidth.  Number of comments so far: comment count unavailable
xtina: "Email!! Go to the motherfucking BANK like an ADULT. Grocery shopping! Clean ALL the things!" (motherfucking adult)
Today, I am apparently being an adult.

I started with apartment-shopping.  There's an apartment complex right down the street from me, so I went to their website and sent "Let's meet!" emails for three locations that they manage.

I looked up their applicant requirements, and noted that one was that the application may be rejected if, among other things, the applicant's outstanding bad debt (OBD) is over $2,500, or if they have more than 5 OBDs.

*anime sweatdrop*

So, I went to the website of a decent local credit union, to investigate their personal loans.  I heard advice from... someone... that one way to help out that whole credit score thing is to take out a bank loan, use that money to pay off (or help to pay off) a debt thing or three, then repay the loan on time.  Bam!  Improved credit.

One part on the application for that is entering my driver's license number.  My license expires on my birthday, which is one month minus one day from now.  Fantastic.  So now I'm reading up on getting my Oregon driver's license, which I should have done approximately a million years ago, give or take.  I'm hoping I won't need to do the driving test, given that my license right now is still valid.

Gah.  Being an adult is stupid.

Originally posted on Dreamwidth.  Number of comments so far: comment count unavailable
xtina: "Email!! Go to the motherfucking BANK like an ADULT. Grocery shopping! Clean ALL the things!" (motherfucking adult)
Today, I am apparently being an adult.

I started with apartment-shopping.  There's an apartment complex right down the street from me, so I went to their website and sent "Let's meet!" emails for three locations that they manage.

I looked up their applicant requirements, and noted that one was that the application may be rejected if, among other things, the applicant's outstanding bad debt (OBD) is over $2,500, or if they have more than 5 OBDs.

*anime sweatdrop*

So, I went to the website of a decent local credit union, to investigate their personal loans.  I heard advice from... someone... that one way to help out that whole credit score thing is to take out a bank loan, use that money to pay off (or help to pay off) a debt thing or three, then repay the loan on time.  Bam!  Improved credit.

One part on the application for that is entering my driver's license number.  My license expires on my birthday, which is one month minus one day from now.  Fantastic.  So now I'm reading up on getting my Oregon driver's license, which I should have done approximately a million years ago, give or take.  I'm hoping I won't need to do the driving test, given that my license right now is still valid.

Gah.  Being an adult is stupid.
xtina: (Default)
I just put some more money in my ING account, for savings.  This'll go towards apartment-shopping.

Huh.  Go me.

Originally posted on Dreamwidth.
xtina: (Default)
I just put some more money in my ING account, for savings.  This'll go towards apartment-shopping.

Huh.  Go me.
xtina: (Default)
...

Why have I never considered a weekly spending breakdown, when I think in weeks?

Originally posted on Dreamwidth.
xtina: (Default)
...

Why have I never considered a weekly spending breakdown, when I think in weeks?
xtina: (Default)
Dear BofA:

AHAHAHA SUCK IT

Hearts and mooses,
-X
xtina: (Default)
Dear BofA:

AHAHAHA SUCK IT

Hearts and mooses,
-X
xtina: (Default)
(a) Augh, dentist tomorrow, at 7a.  Which means I'm getting up at 5:45a.  Oh god.

On the bright side, I received my EoB from the dentist insurance folk, and it's not that bad.  I'll pay it once it turns into a bill.

(b) I downloaded some freeware checking thing, and obnoxiously, it's almost perfect.  Except free, not open source.  And desktop program, not web app.  Still, I'm studying it.  I like the idea of "automatically load bills &c".
xtina: (Default)
(a) Augh, dentist tomorrow, at 7a.  Which means I'm getting up at 5:45a.  Oh god.

On the bright side, I received my EoB from the dentist insurance folk, and it's not that bad.  I'll pay it once it turns into a bill.

(b) I downloaded some freeware checking thing, and obnoxiously, it's almost perfect.  Except free, not open source.  And desktop program, not web app.  Still, I'm studying it.  I like the idea of "automatically load bills &c".
xtina: (Default)
The checkbook thing now validates the form input on installation and logging in, and session handling is slightly better.  Also, the display is a bit more streamlined.

Next is to go through and add validation in the checkbook part, the bills/budget part, and the settings part.  I'm considering setting it to where JS must be able to run in order for it to go, just so I can get away with client-side-only validation, buuut that might be rude.  And I can suffer the writing so as to make it nicer for others.

Way later is to figure out how to get the budget to display nicely.  Also, pagination.
xtina: (Default)
The checkbook thing now validates the form input on installation and logging in, and session handling is slightly better.  Also, the display is a bit more streamlined.

Next is to go through and add validation in the checkbook part, the bills/budget part, and the settings part.  I'm considering setting it to where JS must be able to run in order for it to go, just so I can get away with client-side-only validation, buuut that might be rude.  And I can suffer the writing so as to make it nicer for others.

Way later is to figure out how to get the budget to display nicely.  Also, pagination.
xtina: (Default)
Cool.  My little checkbook thingie is working.

Next step: form validation.  Step after that: how can I make this easier?  Ajax and tables and things; maybe I'll look at jquery and my eyes won't cross.
xtina: (Default)
Cool.  My little checkbook thingie is working.

Next step: form validation.  Step after that: how can I make this easier?  Ajax and tables and things; maybe I'll look at jquery and my eyes won't cross.
xtina: (Default)
Mostly, the main differences I want in a checkbook register thing:

1) I want to be able to enter future transactions, and have the balance be updated accordingly.

2) I want a reconciliation view that omits future transactions, obviously.

3) When I enter a new transaction where the item name is 'paycheck', I want it to pull up a list of recurring transactions that I can choose from.  So my mid-month paycheck has things like meds, phone bill, and loan repayment, and my end-month paycheck has things like bus pass, rent, and Pandora.  So.

Sooomething like recurring billpay things, only it gives me the option to plug in the next two weeks' worth of things when I enter in a paycheck item.

And online, obvs, because I need to be able to access it from anywhere.  Also open source, for tinkering.

Hm.

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