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It's hasn't been the best time

June 14th, 2018 at 09:03 am

I have been away for a while and in the while things have been well not good I have had to take on a lot of debt and now my job does not have the best outlook since the company was taken over so I am not sure how this is all going to work out.

What I have been doing:

-Online jobs here and there so far have made $500.
-Lyft so far have made -150, as I am in the rental program and not able to drive as many hours as I should to make money.

I am going to try to use the money I make from Lyft which I have been trying to drive more to start up some online business or other passive income ideas. As I know I won't last for long and I need some kind of second income should my job end.

If anyone has any ideas let me know. For now I am just holding on my the skin of my teeth. I hate this I really do. I wake up in the morning hopeful and do my best but by the end of each day I am drained. Counting my pennies having to remind myself that I cannot spend money on things since there is nothing left. Cringing every time I put gas in the Lyft car or buy groceries because while I know I have to put gas in the car and I have to eat I can barely afford to do so.

The positive. I still have the house and I am able to pay the mortgage, if I play my cards right I'll be able to make 500 a week on Lyft which is enough to pay the mortgage just on that income and frees up my job money to save, invest and pay off debt.

Mo money more problems

April 13th, 2017 at 10:11 pm

Taxes are not fun, I found out I owe. I was not super happy.

We are switching accountants. I now owe money, have to figure out how to get a car in a few months.

Once the tax money is figured out I decided I am going to start saving for retirement.

I splurge on some shoes I am still stretching out and I feel like a dodo. No more spending like that. I thought it would be nice to have some date night shoes. I envisioned going to our anniversary dinner in a nice affordable dress and some really nice shoes.

I guess if I want to spend that kind of money again I am going to have to do the leg work but I won't be able to afford anything like that for a while. As it is I have to still pay on 2 of the 3. I felt like I deserved to get something nice for myself because I held off for so many years now I'm kicking myself.

Work has been so stressful and I still had that balance so I kept spending. For now I am going to focus on saving and setting some little part to spend on myself so I don't feel so deprived.

Good news I am closer and closer to paying off my lowest student loan.

So far shredding the card has worked.

March 29th, 2016 at 02:22 pm

I took out some cash and I still have a little bit left. I get paid on Friday.

My balance hit a pretty high ceiling for that credit card I shredded. I'm trying to figure out the best way to make sure the bills are paid and wipe out the balance so I can get hit with no interest or as little interest if possible.

It looks like I may be playing catch-up for a bit but that's okay. I'm going to re-work the budget and try to save up an emergency fund again. That's really the only way I see this getting better.

My part-time job is ending again and really good riddance. It used to help but now that I am in the office again it just racks up my out-to-eat bills because I'm too tired to cook or do any house chores. Quality of living at this point for me is more important than an extra few hundred bucks a month since for the past few months I've been unable to hold on to any of the cash lately because I started overspending.

My second lowest student loan is getting closer to $1000 every day. While it bums me out I can't wipe it out right now I am going to see if I can do it by the end of the year but really not a priority right now.

My credit score dropped a lot with the addition of the card for the home improvements because it really upped my utilization and it looks like it is maxed out. For some reason I did not think of that ahead of time but the good news is that it is a 0% interest rate so after a while the balance will just naturally go down. Also I did not activate the card because if you use it for regular purchases the rate is much higher.

In about 6 months that utilization will go down enough that my score will go to where it was and luckily I don't have to buy anything major that requires pulling my credit score until sometime next year.

All in all things are looking up. Smile

I now live in a house...

March 8th, 2016 at 03:28 pm

And I'm going to be broke for a while. However it is nice to essentially lock in my bills.

I know what it is going to cost me each month for the mortgage no more rent increases and that is major.

However things like car insurance, electricity, and what on earth I'm going to do a about a car when the lease runs out is variable.

I can handle variable as long as some things are locked in and I couldn't be happier. We got a great deal for the area and even though some upfront costs were involved I'm grateful those things were not "rolled in" to a mortgage I can pay those improvements off as I go and at a zero percent interest rate to boot!

I need to try to find a way though to increase my income so I can lessen my monthly responsibilities so sadly it looks like for the time being I will be locked in to my part time job since it looks like our salaries will not be going up at my main gig anytime soon.

A lot of excitement though that is for sure.

Back at it

August 12th, 2015 at 10:03 pm

It was more than time to get back to my old ways, the ones that got me to pay off the last of my "bad" debt and let me grow a decent sized emergency fund.

I have to spent the next two checks knocking out the cc new debt, settling the remainder of the car insurance, paying the registration on the new car and making sure I have at least a month's worth of bills as a back up.

However, once that is done I will be back to my system. I hadn't done it in so long it took me a while to reinterpret it.

Good thing I did though I was off about $20 bucks or so on what I should be paying out to my bills and it was nice to set up my whole buckets system again.

Even though I make less than I did before I'm confident that I can get back on track again especially since this job is one that is suppose to be ongoing. (I say it that way because I don't like to take things for granted.)

It's nice to be saving toward a car too instead of worrying about a payment. I'm going to do my best so I can save enough to get a nice safe car next time with no car payment. Smile

Re-prioritizing goals

August 8th, 2015 at 11:05 pm

Well I decided to take in my faithful old stead. She was paid off, the warranty was about to expire, and she was near 100k (which affects trade in value).

She had been creaking and making me worry so (not to mention all the recalls I had been though) when my husband told me about a great deal they had on the lot due to a hail storm I decided to go for it.

I kow have 2 years to figure out what I want to do about a car so the plan is to save what would have been my payment on had I purchased this car and see where that gets me.

Things are evening out a bit so that's good. I'd still like to pay my old medical bill but it will have to put aside for now as a lot of money has crept back on to the credit cards again. They will be paid off at the top of September in the mean time I have put my check register in my wallet and keeping my receipts so that I can note if I've charged anything to my cards and keep track of the money I have left. I have to tighten the belt if I expect to pull off feats such as getting a house and saving my car payment.

I have been kinda going willy-nilly for a while there and while it was somewhat nice to be carefree for a bit the reality is I have a lot to accomplish and I need to get it kick started like yesterday.

However I'm so pleased that my emergency fund is almost at a grand again that puts me at ease. And now with a new car that puts me a bit more at ease.

My book habit is calming down a bit more too. I just need to catch up a bit in reading. I have enough books in the house to keep me busy for years to come at this point!

I decided today to re-map out it is what I need to save and what I want to be saving for. Now that I have a steady gig my priorities are slightly different. And with rent going up as it has we are really working to make getting a house a priority it wasn't really a possibility before with my previously iffy job situation.

I still don't take anything as a given though so working on those emergency funds is a numero uno priority for sure!

Its just nice to have a bit more breathing room but more breathing room doesn't mean I get to forget about my personal finance goals! Back to work. Smile

Sent in my final car payment!

May 16th, 2014 at 12:13 pm

I spent about 2 hours yesterday figuring out the whole title thing. It's all going to work out as far as me receiving the title then I'll worry about changing insurance the registration etc once the title shows up. I'm not sure what the process is for that but I'll find out soon enough. One step at a time!

My refund from the medical bill still hasn't come in yet so I'm just going to apply that money toward my goal of saving up enough money to pay off the car insurance in full.

I took a few bucks and make a small payment toward our upcoming hotel stay and I was able to make a $20 extra payment toward my student loans which feels pretty gosh darn awesome.

As of Monday my car loan is paid off about a year and a half ahead of schedule and 6 months before even I intended to make it happen.

I should be getting 2 more if not 3 more checks out of this job and then there's the possibility of being picked up for a new project. Either way I just put myself in a fantastic position to be able to make it by longer on my part-time position if it comes to that.

I was also able to set aside of few bucks for myself which is nice. I'm going to plan to do that for the next paycheck as well.

It almost doesn't feel like its anything because I scrapped by and obsessed a little too much about getting to the finish line but I'm sure once the title comes in and I'm changing things to reflect that the vehicle is mine outright it will be a little more real.

If I get picked up for another project soon that would really help me keep up this progress. Either way I am happy to have reached one of my 2014 goals! Hope everyone else is having a lovely Friday.

I was bored today and it was glorious

May 10th, 2014 at 07:26 pm

I took the day for myself. Watched some movies, bought a bit of food, took my dogs out for some fun it was great. I did a bit of brainstorming while my dogs roamed.

I might be down to one job again and that hasn't been the case for a while. I had been busy but things are beginning to ease up. And as I get older I realize I need a more stable daily routine.

Right now all my time is mine. But if we have kids later on it won't be that way. I want to figure out what is important to me and what I should be spending my time on aside from financial literary materials and money tracking.

I came up with a list which was good. I spent the rest of the day though lounging. I am too exhausted to do any of the things on my list and most other days I work my butt off at one or the other of my jobs or just keeping the house tidy. Last week I got the one weekend day to myself as well which was amazing.

Having that time to myself was great but it made me realize that I don't even know what to do with free time anymore.

This week was good work wise as well so I should have more than enough money out of this check to finally pay off my car. Something I've been dreaming about for a while.

Now things seem like they are calmer again and things are going to be alright. Like I'm free to focus more on another goal like becoming fit again.

There's not much I can do about my job situation than I am already doing. I need to have something that I feel I have some control over to feel grounded. And working on becoming fit is one of those things. And the thing about that is that is something that is never just okay.

It always requires maintenance and thought. Finances do too but they are already ingrained habits for me. Now I need to build better health habits namely develop the habit of exercise since I already eat rather well.

So here is to another successful financial week, and branching out to other goals to maintain and conquer.

Starting to see the light at the end of the tunnel

May 2nd, 2014 at 03:58 pm

Today was an interesting day. I reworked my financial plan so that I'd be able to make a large payment on my car loan. I made sure I paid myself first and had the minimum I need for spending money too.

It is like stepping into the world of the unknown. The real actual end time of the project is fast approaching. However, I have been living like a pauper since February when I decided to aggressively pay off my car loan. I felt sad and deprived at first for cutting out the last of the indulgences I had allowed myself. A cookie here, a coffee there, a little meal out.

But now its become a habit. I make my own iced drinks unless I've earned a free one through rewards programs. I pay cash for all expenses so they don't loom on my credit card. This will serve me well when the assignment ends because not much will change as far as expenses go.

I started saving small amounts for the things I want and I should be able to do so even with the part-time job only.

In a weird way I feel somewhat free. It is crazy to think I just made another payment on my car that is more than my rent payment. But then it also feels liberating to know that if all goes well by the end of May, I will no longer have a car payment.

Even a year ago this wouldn't have been possible. I am worried of course as that is my nature but also excited. I have savings and a plan.

If everything works out that will be great. If not there are very few payments left on my car and I'll dip into my savings to make it work if I have to.

It's comforting to hold on to the thought that everything might be okay after all.

Car issues, keeping up with frugality and reflection on total debt

April 30th, 2014 at 03:31 pm

I got in a minor car accident this weekend. My car wouldn't stop in the parking lot for some reason so it hit another car. Such a bummer. Went in the store and found the person then exchanged info. I'll pay the deductible on the car insurance to keep my car checked out.

Right after that I called the dealership about getting my car fixed up for the recall and the parts are not in yet thats a bigger bummer.

Been feeling really down lately so work has been slow going. Started doing that thing where I internet browse items I cannot afford.

This time was a little different though. I realized because I have paid off as much as I have I am that much closer to actually affording those things if I wanted. That was kind of nice.

My grocery budget is busted so we are shopping out of the pantry until midnight tomorrow when I get paid. I have made a solid commitment to not touch the credit cards and have stuck to it. It is not fun but it is nice to know I don't owe anything to any body right now aside from my established loans and the bills. All extra money is going to the hotel stay for our trip and saving some spending money for the trip as well.

I wanted to pay the car insurance bill in full again but I'm not sure I can do it. I will need some help or have to take money out of the savings to close the gap. I think I might just do that it will be easier to cover things if I don't have the bill hanging over my head. The first priority is the car though. The car payment is much more a month to month than the insurance and if I'm not mistaken owning the car should even lower the insurance a bit.

It of course once again depends on the job situation. I am trying to commit to fitness as well so I have something else to focus on other than stress and it might mean I'll look good on the trip too.

I realized not that long ago when stressing out about debt that I have not only done a great deal in eliminating debt in the past year but have actually basically halved my debt since I got out of school and started working.

When I got out of school I had 7K worth of credit card debt, 21K worth of student loans and I got my car which was another 14K for a grand total of: 42K.

Now it is actually a little over 20K with no credit card debt (save for 400 on a 0% interest card that is being paid off each check), under 18K worth of student loans and a little over 2K on the car.

That made me feel really good. Not bad for a permanent temp!