Fiscal and Physical Diet Starting Now

Both going well-ish. Been bringing lunch more often than not, although having a tooth removed also helped with that. Spring weather helps with the physical diet as I walk more, but then spring brings a more active social calendar, which, of late, have been somewhat pricey days. Am sure that will balance out in the end. 

For now, all of my tax refund is in my savings account earning ~ 3% APY. Not perfect, but better than the market crap shoot while I decide what I want to do with it. 

Made an odd cc payment today that should take me below the next 1K milestone. While I know it's all processed automagically and no one notices/cares what the amounts are, I find myself wondering if they think there's anything odd about amounts paid month to month.

Fiscal and FInancial Diet Starting Now

While I'm actually semi-OK with the state of the emergency fund, I want to get more aggressive with paying down debt. I'm not OK at all with the state of my waist and I'm vowing to do something about that. Starting now.

I won't post the amount of my waist goal, but I will do for the fiscal budget when I crunch some more numbers. I swear that's all I've been doing in the last month as I was calculating watching refunds owed by my FSA. Ick. I really want to boost the emergency fund. I'm not worried about my job per se, but with the state of the economy, I'd rather have a bigger emergency fund since my consumer debt is 2.9% and 3.9% for life. I'm making above-the-minimum there because I want to retire them, but I think I need to snowball if I want them gone. 

Taxes are done and with my refund I'm going to replenish a recent loss on my emergency fund stemming from emergency car repairs, put a little more in savings, and then put the rest in my Roth IRA. Yes, refunds are bad, I get that, but I really am bad about calculating withholding especially as it relates to student loan interest, etc.  That said, my refund isn't large enough to retire a significant enough portion of the above-mentioned consumer debt, and I don't want to pay it on student loans in the event that something happens and I need it. 

So stay tuned... Hopefully.