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new commitments

March 12th, 2008 at 03:45 am

Saving log - $0 tip box + $35 Drp 1 + $40 Drp 2
Spending log - $1.55 coffee (16 oz size), $6 lunch

Put money into two of my Drp stocks. They aren't going gangbusters, but its nice to be able to put a little something in when stocks are cheaper.

I finished figuring out what I want to now put into my 403B. 2007 I had to pay tax with a penalty, and I want to avoid that. I figure the most strategic way to avoid it is to increase my 403B to the max.

The maximum that we can put in is $15K; from my latest paycheck (end of February) I've already put in $1170, I can change quarterly so I will have put in $1755 by the end of March (quarter 1), so I have $13,245 to put in for 9 months. That works out to be around $1470/month, or $735/pay period. I used the paycheck calculator, first putting in what I was doing already to see if the numbers were about right. They were within $5, so I increased the percentages by 5%, then 2.5% until I got a 403B withholding close to but under $735. 37.5%. I drop my paycheck by 300$ and that's per paycheck - $600/month. I can do it, but it will take some getting used to.

The other commitment was to the trainer. I've had a heart to heart. I've basically been 185 (sometimes as high as 190, or as low as 183) for over a year. Is the plateau an issue? What kind of new goals should we go after?

I thought about this over the weekend, and I came to some conclusions:

1. The weight plateau doesn't bother me - unless I stepped on a scale, you wouldn't guess that I'm 185, and these days, maintaining and not increasing weight even during the holidays is an achievement.

2. What does bother me is my waist. Legs, arms, chest, back, butt, even upper waist have become more defined and I'm happy with their progress. My lower and mid waist are stubbornly resistant. Don't get me wrong - the ab muscles underneath have gotten a lot stronger - they just are still cloaked by the fat on top.

3. Weight training is great and I enjoy it - but right now its the same moves with increasing weights. Not too much to learn after you get the form down and you figured out what muscles get targeted. I suggested that I'd like to learn some pilates and yoga moves and with that my trainer brightened up. We did a couple of them today - the v sit keeping the chest up and moving the arms up and down. Pumping arms up and down gives you something to do while you are holding that darn v mid back is very stiff.

Conclusion is that we are going to work on an inches goal, specifically for the waist. Not that you can spot lose, but something's bound to happen. Big Grin

3 Responses to “new commitments”

  1. boomeyers Says:

    It sounds like you are really listening to your body and being comfortable with yourself! Great job!

  2. Thrifty Ray Says:

    Sounds like you have that 403b figured go inspire the rest of us...

    I remember your early days with the have come so far and have done so well...Maintaining for as long as you have is a GREAT accomplishment. Most people (including me) are good at the down...followed by the went down and stayed down...another source of inspiration.

    Hugs right back atcha!

  3. frugaltexan75 Says:

    Maintaining is just as much a success as losing. It can be frustrating when what you're wanting is the numbers to keep going down, but its SO much better than the alternative. Smile
    It sounds like you have a good trainer who is responsive to your needs. Much success with your new program!

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