Day One

by Joanna on January 2, 2012

January 1, 2012 was a good day.

We got up and relaxed and then picked up breakfast items at Starbucks.  We came back and made coffee in the mugs Mike got me for Christmas and had breakfast.

Then we had our money conversation where we figured out our budget, made some goals, and came up with a plan to monitor our variable budget lines: the tracker below.

Our current goals: allocate money each month for life events (i.e. friends’ weddings, Christmas) so we don’t have to put those things on our credit cards, and pay off the lowest of my student loans by the 4th of July. In addition to those two joint goals my goal is to pay off my American Express by April 1. (You can read more about our various accounts here.)

Our other new plan is to chat each time one of us gets paid about upcoming expenses so that we can stay on top of things and continue to be on the same page. Usually we’d just chat when the accounts were getting low, or after one of us randomly checked our online banking. This often left us frustrated and feeling like “we have no money.” But that’s a reactive way to deal with things and we don’t want to be reactive, we want to be proactive. Being reactive leaves you feeling out of control but being proactive will leave you feeling on top.

After our talk, I got in bed to read Catching Fire (the second in The Hunger Games series). I love laying in bed reading especially when it’s sunny out and the sun shines through the window. Of course I fell asleep.  Then I woke up to our neighbor talking on the phone and wishing someone a Happy Birthday! Like not OK. This happens pretty regularly (mostly at night when I get in bed at 9pm) so I figured it was a good opportunity to knock on the door and tell her.  She didn’t answer the door.

We had lunch and did laundry.  Folded it while listening to an old episode of the Dave Ramsey show.  Have you listened to this show? It’s crazy how much debt these people have paid off. Mike and I find it inspiring.

Then we headed down to the National Mall to throw the frisbee around. It was a warm day for winter, Mike was wearing shorts, and when my heart rate started to get up after a few good throws and catches, I took off my jacket.

Sometime in the last two years, Mike and I started throwing the frisbee around. I’m not sure why but I’m so glad we did. Mike really likes to play sports, any type of sport, and when we throw the frisbee around I feel like his buddy.  It’s also exercise, I can get a pretty good sweat going and feel my heart pumping. And it’s a good time for us to chat. When we lived in our old apartment, we’d walk up to the mall and toss it around on the lawn in front of the Capitol. Now that we live further from the Mall, we’ll have to make more of an effort to get down there to do but I really hope we do that more.  Why not take advantage of the great city we live in?

We stopped at Pinkberry on the way home for a light snack.  And then hit the grocery store to get ingredients for dinner.

We made a butternut squash calzone , using the filling from Jessica’s stuffed shells, with a gorgonzola cream sauce on the side. OMG was this good.  I think Mike almost died of satisfaction.

Then we watched Crazy Stupid Love.

January 1, 2012 is reflective of a lot of things I hope the rest of the year will be filled with: productivity, fun, quality time together, creativity in the kitchen, and relaxing time. We were out and about but also home. We were productive but also had time to play.

I’m really hopeful for 2012.  I think it’s going to be a great year.

I’d love to know:

How did you spend January 1, 2012?

{ 3 comments… read them below or add one }

1 Colleen @ The Lunchbox Diaries January 2, 2012 at 9:17 am

We just watched Crazy, Stupid Love too! Oh my gosh, Ryan Gosling…We spent January 1st by going on a run, going to Mass, going out to breakfast and taking a trip to IKEA. It was a great day!

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2 Joanna January 9, 2012 at 9:41 pm

Sounds like a really good day!

Sorry for the delayed response–for some reason your comments were marked as spam?

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3 Autumn@fallfordesign.com August 29, 2012 at 9:38 pm

My husband and I paid off over $33k in two years, without Dave Ramsey. I used my own budgeting techniques and my husband wrote a post about it. Check it out here; http://www.fallfordesign.com/2011/11/04/how-we-paid-off-33111-00-of-debt-in-2-5-years/

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