I’m getting married (I hope)

For many of you, December 25th was probably your favorite day this Christmas season. For me, however, today is hopefully not just going to be the best day the season, but possibly one of the best days of my life. I’m gonna cut to the chase. Today I will be proposing to Girl Ninja. Proposing, as in like marriage, not proposing that she invests in a Roth IRA (although I think she should).

I’ve been waiting for December 28th to come for about six months now. I bought Girl Ninja’s diamond in June and have been secretly hiding it in my computer desk drawer since then. I had “the talk” with future Father-Ninja-In-Law over thanksgiving break, and received his blessing. With all signals go, that meant I had the green light to proceed.

Tomorrow I’ll share the propsal details, but today I want to talk a little bit about my relationship with Girl Ninja. Our story hasn’t been the fairy tale we often read about in books and see in movies, but ya wanna know what it has been….real. Too often we are told love is magical, that it comes naturally, that it is a feeling, that it is perfect. That’s a bunch of bullcrap. Love takes a lot of work, it’s complicated, messy, but in the end, well worth it. Ya see, love is not about “What can my girlfriend do for me?” Instead it’s “How can I love my girlfriend better?” Love is selfless, not selfish.

I want to spend the rest of my life with Girl Ninja because she respect’s me. She honors the man that I am, rather than trying to turn me into someone I’m not. She endures my imperfections and shortcomings, without complaint. She loves me selflessly, not for her benefit, but for mine.

Ya see love isn’t a feeling. I don’t believe in “falling in love”, instead I believe you have to “work for love”. Few good things come without effort, love is no exception. I know Girl Ninja and I will face tough times, I know there will be days we don’t really wanna be around each other, but guess what…. that’s okay. I am committed to loving Girl Ninja. To being the man that she deserves. To work every day to win her love. To put her needs before mine.

I want to grow old with Girl Ninja, and after today I will be one step closer to making that happen (assuming she says “Yes!”). Ya may not be getting any personal finance today, but I believe this topic is of equal importance. What are your thoughts on love? Why do marriages fail? And for the married folks, any insight you have for me is greatly appreciated.

Ninja Rapping

Oh my gosh!!!! I totally heart rapping. I think if I had to quit being a special agent, I would make the career change to the music industry. I might be the whitest kid in the neighborhood, but don’t let that fool you. I’m a true gangster…a gangster that loves personal finance that is.

As the year comes to a close, I thought it was only appropriate to end on a good note… another PDITF rap. This is now my fourth production. You can find the first one here, the second here, third here, and here is the fourth…

If the music player below doesn’t work click here.

[gplayer href=”http://www.punchdebtintheface.com/wp-content/uploads/2009/12/Ninja-Rapping.mp3″ ] [/gplayer]

Ah yeah,
Welcome to Punch Debt In The Face
I done did it again
Finance Rap Two…

You may know me as Ninja, some call me a Debt Hater
I’m fluent in personal finance, a true money translator
I’m a power hungry dude, a financial dictator
Don’t try to argue with me I’m the master debater.

I’m 24 years young and a pretty ambitious guy
My friends think I’m crazy, I don’t really know why.
Gonna leave a couple million for my kids when I die
Gettin’ rich is simple, you should give it a try

Don’t worry ya’ll, I’m not very smart
I’m probably better known, for my 4th grade level art
Making stick figures is how I got my start
But it’s not about talent, it’s all about my heart 🙂

The Roth IRA is where the party be
It’s got some tax advantages for you and for me
Your contributions grow exponentially
Oh, haha, that growth is tax free

Does your employer hook it up with a 401K
If the answer is yes, start putting money away
Don’t wait another minute, start contributing today
So you’ll live a happy life when you’re wrinkly and gray

Don’t be a douche bag, live with in your means
It’s time to grow up, you’re no longer sixteen.
Buy Levis over Luckies, it’s just a pair of jeans
Class is dismissed, now go make yourself some green

Drop me a line and let me know what you think. I’d love any constructive criticism. Anything in particular you would like me to rap about in future editions? Do you love rap, or does it make you wanna vomit?

Monthly Expenses: November 2009

If I could only use one word to describe November, it would be, bleh. Mediocre at best, at least it felt that way after last months RADICALNESS. I guess I shouldn’t be complaining ’cause I still brought home more than I spent, and when that happens, life is good. Here’s where the money went…

My Income:

Salary: My take home pay from the day job. I should have only brought home about $2,700 last month, but I got paid out for the last of the overtime I worked in October. It’s gonna be depressing to watch my income drop. Oh well, in February I get a $12,000 raise! YAY!!!

Gift: Mom Ninja’s hooking it up with some money to throw at my student loan. Everyone should say nice things about Mom Ninja down in my comment box, haterz not allowed 🙂

My Expenses:

Auto: Looking at my Auto expenses make me want to throw up. My car registration was due, so that was $220 gone. Another $180 came from one of the stupidest things I’ve ever done (car mirror vs fence = fence wins).

Dining/Groceries: Fudge! I broke my grocery/dinging budget for the first time in a REALLY long time. I have a goal to be under $250 total for food each month. Unfortunately I broke that by $26.74. I went out to eat quite a bit last month because I had been on a business trip abroad for six weeks and wanted to go out with my friends 🙂

Interest expense: Good ol’ Sallie Mae. Brought the old hag down another $1,600 last month which ain’t to shabby if ya ask me. Especially considering my minimum obligation is only $230.

Travel/Reimbursement: These were all costs/reimbursements related to my business trip to the Marshal Islands. Nothing to exciting here.

The other categories were too unimportant or self explanatory so that is why I didn’t cover them. The overall total at the bottom is the cash I had leftover after all my expenses. I ended up having $1,670, which I put in to my savings account. I’m foaming at the mouth, waiting for that raise to come so I can have even more options with my cash flow.

Is it bad that I’m not excited with over a $1,000 do-whatever-the-crap-I-want-category? Don’t answer that. Are these monthly expense reports even entertaining for you to read? I’m imagining in my head right now, all of my readers hating these updates. If that’s the case, I’ll stop 🙂 Let me know. THREE MORE DAYS TO CHRISTMAS!

* Are you wondering why I post the previous month’s expenses a couple weeks late? I use quicken to track my spending and I have to wait until the end of the billing cycle before I can download these transactions. I know I could manually add each expense as it comes, but I am entirely too lazy for that. Thanks for checking in and if you got any comments, tips, or advice I’d be more than happy to hear it. *