Wednesday, July 23, 2008

While I'm on the finances kick...

I just read this article on Renting vs. Buying from one of my favorite blogs. It's actually making me feel much better about the fact that I'm nowhere near close to being a homeowner. I've always assumed that home ownership was sort of the holy grail of financial independence and have been working to get down our debt and save for a down payment. In light of recent events, mortgages are going to be much more difficult to get and it will likely take several years longer than I had hoped to be able to buy something. But I'm actually not feeling quite as bad about it now. I think that all things considered, we're probably where we should be at the moment.

Though I really would be happier to be renting a house where I don't have to share walls or a floor with another apartment. There's only so much Guns N'Roses that I can bear to hear coming up from the 1st floor rednecks.

Tuesday, July 22, 2008

Crafting Update

I actually have been very busy with some creative projects lately, but they are meant for gifts. Once I've given them over to the lucky(?) recipients, I'll post photos of what I've been up to.

To be Debt-Free

In my attempts to getting financially fit, I am happy to report that I've established some good habits (fingers crossed, knock on wood that I don't jinx myself). My Excel spreadsheet has been reworked so that it really is perfect for my bills and spending tracking. I'm not always 100% at filling in my incidental spending, but it's helped me to narrow down where my money is going. I've gotten on top of paying all my bills on time which has eliminated extra fees. I'm also much more conscious of bargain shopping. My downfall areas? Craft supplies and eating out.

My next step is to aggressively start paying down credit card debt. I found this good online debt payment calculator. It's a little bit scary how long it will take to pay it down, but at least I can start to calculate how much extra in there a month will make a difference.

Tuesday, July 8, 2008

Artsy Fartsy

I can't remember where I heard about this, but I am obsessed. Isabella Rossellini is so graceful and gorgeous, but seeing her dressed as bugs and having bug sex is just too amazing. These videos are actually very educational (I had no idea that snails were masochistic). I fear that I'm incredibly immature though because I really just like these videos because they are hilarious.

Check out Isabella Rossellini's Green Porno.