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Archive for December, 2007

New Budget Set in Place!

December 31st, 2007 at 01:40 pm

I have a rough estimate of how much my take-home pay will be based on what percentage was taken out of each paycheck from my last job. I am expecting there to be a larger percentage taken out because I now make more, but I am not sure exactly how much. As a result, this new budget is an estimate of the low end, and I will tweak it when I get my first paycheck. Hopefull my take home pay will be more than anticipated and I'll have more left over for savings/debt.

Monthly Budget
Rent $625
Health Ins. $341.50
Meds $70*
Car Ins. $82.08
Cable $53.27
Cell Phone $50
Home Phone/Internet $55
Electricity/Gas for home $200
Cas for Car: $150
Groceries $300
Commuter Rail Pass $250
WW $39.95
LBCC $100
ATTCC $300

Extra $83.15

*(This will be going up by at least $100 starting in late January for a new medication I will need to take. However, once I know how much it will be, I will be applying for financial assistance for it.)

2007 $20 Challenge Tally

December 31st, 2007 at 07:43 am

I went back and totalled up how much and from where I managed to save in 2007 from my $20 Challenge. I'm very happy with this!

Yard Sale: $178
Cans/Bottle returns: $5
Tarot Readings: $290
Rebates: $58.75
Scratch Tickets: $1
Paid to myself for eating at home: $15
Paid to myself for NSD: $24
Store Savings: $58.67
Freelance work: $809.38
Ebay: $225.10
Half.com: $240.28
CITB: $163.50
Interest: $14.71
Extra cash thrown in: $379.55

TOTAL: $2,837.09

Big Grin

2008 Financial Goals

December 29th, 2007 at 11:29 am

I figured it was close enough to 2008 to post my next years financial goals. I was able to complete a couple of my 2007 ones (paid off my car, pay off my credit service debt, save $1,000 for Vegas) and I'm hoping with this new better paying job 2008 will be even better. Smile

2008 Financial Goals
1. Pay off ATTCC (about $3,300)
2. Pay off LBCC ($1,177.07)
3. Pay Mums back $800
4. Save $1,000 in EF (currently at $90.29)
5. Save $1,000 for taxes by April 1st (currently at $73.32)

No Spend Day Dollars

December 29th, 2007 at 11:05 am

Toally forot to pay myself for my No Spenders in December. I've had 9 (so far) so it's $9 into the $20 Challenge.


$20/UF Old Balance: $64.32
December No Spenders: $9.00
----------------------------
$20/UF New Balance: $73.32

Got the job! (Financal Independence, here we come!)

December 28th, 2007 at 07:12 pm

I had a job interview yesterday and was offered the job on the spot! The official offer came in this morning with salary and benefits. I accepted and I can't wait to start! My first day will be next Thursday, the 3rd.

I will be an editor at a publishing company in Boston. I'm so excited. Right now it is a 4 month contract, but I am hoping that when that is done I will immediately get hired on for another contract or get hired on permanently. The commute is going to suck (2 hours, EACH WAY!) but the compensation more than makes up for it. I am getting over $14,000 more a year that I was making at my last job!

I have made a rough budget, guestimating how much will be taken out each paycheck for taxes. I'll just tweak the budget as it gets rolling and when I need to, but we are sticking to this one. FINALLY, we will be financially independent! Yay! Smile

Help - How do I figure out percentage?

December 28th, 2007 at 08:30 am

I am horrible at math. If I want to know what percentage of my paycheck gets taken out each pay period for taxes, or what percentage I put into savings, how do I figure that out???

Thanks!

Job Interview Today!

December 27th, 2007 at 09:07 am

In Boston at 4pm! Heading in on the train at about 1pm. Wish me luck! Smile

$20 Challenge/Tax Season...

December 26th, 2007 at 04:00 pm

This past year (2007) I did some freelance work that never had taxes taken out of it. I know I will have to file it all when I do my taxes this year. What I don't know is how much I am going to have to pay. When I was making my 2008 $$ Goals, I realized I want to have some money set aside for when I have to pay taxes in April. I don't want to worry about suddenly coming up with it or having to take it from my EF.

That being said, my personal $20 Challenge will be saving for taxes. I have 4 months and I want to come up with at least $1,000. I will be putting on hold extra CC payment via the $20 Challenge until I have saved up enough.

As a reminder, my $20 Challenge money comes from my half.com and ebay sales, any tarot readings I do, spare change, survey checks, refunds, and a few other small places. It tends to add up rather quickly, so I'm hoping to hit my $1,000 goal quickly and get back to paying down the debt.

Current Challenge Balance: $64.32

Just a few small things...

December 26th, 2007 at 06:59 am

Christmas was great. Got some great gift cards: Olive Garden, Barnes and Noble, and even one to Shaws along with a new cook book! Everyone seemed happy and like they had a great day. Hope everyone here did as well. Smile

In other news, my aunt passed away on Christmas Eve. She was in her early 70's but very sick with cancer. She'd been in and out of the hospital for a while, and hit a point where the chemo was actually doing her more harm than good. I wasn't very close to her, but am kinda close to her son, my cousin. I feel so bad for him and his family. Frown

And finally, a random thought, that X-mas Eve and X-mas Day were both No Spenders for me.

December No Spenders: 9

Great ebay sell!

December 26th, 2007 at 06:55 am

Last week I put some extra fabric on ebay. It was just 100% cotton, a year or two. One was Shrek, two were Spiderman, and a bigger piece (64"x90") was Red Sox. The Shrek didn't sell, Spidey went for $3, BUT, the Red Sox fabric went for $61.88!!! I couldn't believe it! I only wish I had more of it! At any rate, that $ will go into my $20/UF as soon as it makes it to my account.

Half.com DD

December 24th, 2007 at 08:38 am

Had another half.com DD into my savings today. Smile

Pssst...Merry Christmas!

$20/UF Old Balance: $51.69
Half.com DD: $12.63
----------------------------
$20/UF New Balance: $64.32 Smile

CC Payment

December 23rd, 2007 at 05:25 pm

Sat down to pay all my Jan bills tonight (except phone, cable and LBCC; they come at the middle of the month). After I was done, I had $317.24 in my account, so I added $25 plus the $17.24 (a total of $42.24) as an extra payment onto my ATTCC.

Yay me. Smile

New ATTCC Balance: $3,335.07
Extra Payment 12/23: $42.24
-----------------------------------
New ATTCC Balance: $3,292.83

Paid off: $207.17

Big Grin

ebay sales

December 22nd, 2007 at 09:00 am

For some reason, I've been having good luck with ebay sales lately. I think it is because of the holidays, and also becasue I have finally got to the point where I am ok with parting with some of my "more collectible" items. At any rate, I just made a deposit to my $20/UF Fund from 2 ebay sales, and I have another one ending in 2 days that will be at least $20. Smile

$20/UF Old Balance: $20.22
Ebay sales: $31.47
----------------------------
$20/UF New Balance: $51.69

Job Interview!!!

December 21st, 2007 at 09:04 am

I got a job interview!! YAY! It's next Thursday afternoon. In Boston. As a freelance, full-time proofreader! For a real publishing compnay! YAY! Big Grin Big Grin Big Grin

Can you tell I'm excited?! I figure this has to be fate, because I originally applied for the job in the beginning of December, and about 2 days later recieved an e-mail saying the job was filled, but if they got anything else, they would let me know. I figured it was the usual brush-off. But then the person I had sent my resume to e-mailed me today to ask me to come in next week to "chat." And he asked "if all goes well" could I start full-time the first week of January! Why yes, I can! Big Grin

Plus...it's next door to a gigamungous Barnes and Noble! Fate I tell you! Smile

I'm so excited..... Smile



No Spend Thursday

December 21st, 2007 at 09:00 am

Yesterday was another No Spender. Well, I had to put gas in my car, but that is a necessity, so I don't really count it. Yay me for another one! Being unemployed and having NO income really helps curb that spending urge! LOL Big Grin

December No Spenders: 7

I Hate When They Make You Feel Guilty!

December 20th, 2007 at 12:39 pm

I got a call today (and a similar one last week from a national organization) from a local fundraising group. This is a cousin to a group I have donated to in the past. So, the guy calls and is all nice and friendly. He does his spiel. And I say, which is the truth: "I'm sorry but I can't help you right now. I lost my job last month and have not found a new one yet." What does the guy say? "Oh. Bye" and hangs up.

I couldn't believe it! And the guy last week was just as rude. Whatever happened to "Thank you anyways"? It was almost like they didn't believe me from the tone in their voice. It just makes me so mad that when I can't donate, they make me feel guilty. Ummm, hello?? JOBLESS over here! If you want to give me a job or find me a job, then I'll donate. But I already feel crappy enough about being unemployed; I don't need any extra help feeling like a worthless loser!

It just makes me never want to donate again. It's like some organizations see you as a bank and when the bank is closed for business, they throw a tantrum. Besides the fact, even if I WAS working, stop calling me! I donate when I can to who I want. Annoying me over the phone is just gonna make me take my money elsewhere!!

Grumble grumble.....

Apartment hunting

December 20th, 2007 at 12:30 pm

Yes, again. We are just SO ready to move away from psycho neighbors. We looked at a couple of places yesterday. One was kinda dumpy. The other one was nice, but I think too small. We'd have to cut out at least half of the furniture we have, and maybe more. Kinda sucks, cuz it was cheap and cute. Oh well, we'll keep looking. Called two more places today, we will see what happens with those.

On a sad(ish) note, the condo we wanted to buy this summer is still for sale. And we still can't afford it. I'm wondering if I will not be happy finding any new apartment because it will not be the condo. That's something for the Decemeber contest. I wish when I was in my late teens/early 20's wracking up CC debt on stupid shit instead of saving my money, it would lead to bad credit and not being able to afford a place of our own. *sigh* How stupid I was then...

Wednesday Ramblings

December 19th, 2007 at 03:06 pm

Not much going on. Spent the day mostly looking online for some freelance work (there's very little right now). Listed a few things on ebay. I'm in a "Let's get rid of everything" mood, as well as a "Let's sell stuff because we need money" mood.

We also looked at 2 apartments today. Both are cheaper than where we are now, plus I'm sure quieter since we won't have the psycho neightbor next door. But I think I am spoiled by all the fancy features is this place. The others were OK; one was really cute, but there is no way we could fit everything we have there. We'd have to get rid of 1/2 our furniture, and I don't want to. I think we may keep looking...

Other than that, nothing much new. A book I ordered came in, but I am waiting til after X-mas to pick it up since I am getting a GC to the bookstore from Mums and Dad (they do one every year!). Today was a No Spender. Smile

December No Spenders: 6