Friday, January 29, 2010

1.29.10 Payday Budget

In checking - $8.42
Paycheck - $1143.04
Extra Income - $98
Total Cash - $1249.46

Expenses:
Curves - $37.15
Insurance - $17.90
Credit Cards - $30.00
Loan - $360.00
Rent - $729.00
ING - $25.00
Dining Out - $17.46

Cash Left - $32.95

I went to the check cashing place last week, which is the $360 I have to pay back. I was going to have to borrow again, but I received my paycheck from proctoring the ACT exam a while back. The amount was the same I was going to borrow, so it worked out well.

I've been going back to pen and paper when creating my payday budget. Sometimes it really helps to actually write things down. And by writing it down I can see that the future is a little brighter.

Thursday, January 21, 2010

I'm constantly saying and thinking that I need to get back on track. I had plans and resolutions, but we all know what happens with resolutions. Tonight I was thinking about what is it that I did last time to feel better about my situation and how I planned on getting out of trouble.

As much as I hate thinking about living paycheck to paycheck, I think planning my spending for each pay period helped me more than anything. It was just easier to see things that way.

Also, posting more about my money issues helped as well. I've gotten so lazy or I will begin to write and then not post it. But posting regularly really kept me focused.

Finally, I need to find new financial blogs to read. When I first started researching budgeting and got into blogs, I would read an entire blog back to the beginning. I love reading through posts where one has struggled and over time overcomes huge obstacles. But now, they have reached their goals, and the blogs are less than inspirational.

So I'm going to try to find my way back to being able to at least cope with my money troubles. I get paid on next Friday, so I'll post my payday budget then.

story of my life - except the rent to own part

TheShaft-4.jpg

Saturday, January 9, 2010

January Spending Week 1

Friday January 1st - none

Saturday January 2nd -
$697.75 Rent
$50.00 Traffic Ticket
$19.46 Domino's Pizza (credit)
$3.99 Starbucks (credit)
$1.00 Kinko's copy card

Sunday January 3rd - none

Monday January 4th -
$17.90 Cancer Insurance
$1.00 Transfer to Savings

Tuesday January 5th -
$2.15 Vending Machine at Work

Wednesday January 6th -
$1.25 Vending Maching at Work

Thursday January 7th -
$6.21 McDonald's breakfast (credit)
$8.06 Sonic Drive In (credit)

Total Spent this week = $808.77

Monday, January 4, 2010

No tutoring for me :(

One of my resolutions is to increase my income by $5000. One method that I planned on using to achieve this is being a tutor on tutor.com. I went tonight and filled out the application and proceeded to take the exam. They did not have any openings in my field (biology), but they did have openings in statistics, geometry, calculus, chemistry, and trigonometry. I tend to do well in all of these subjects, so I took the tests for all except for trig.

How about I failed them all! I thought the tests would be no problem, but instead they were NO JOKE!!! I quickly realized that I have forgotten most of the material and was so disappointed. They give you an opportunity to take the exams again in 3 days, but I'm not going to. If I don't feel like the information is readily available, then I don't want to tutor someone.

Even though they are not hiring for my field, I plan on taking the biology test this weekend. Then hopefully an opening will arise and my name will pop up.

There are other plans to increase my income:
  1. Summer school - I did this last year and literally did nothing but play Sims 3 all day and told students to get off myspace. I received a little over $3000 doing this for around 4 weeks.
  2. At Home call agent - I would really like to work at home and have flexible hours since BF and I are sharing a car. I know of a few agencies, I just need to make sure I meet the tech requirements.
  3. Census taker - I applied for this job several weeks ago and scored really well on the written test (96%). We were told that hiring would begin in the spring and the position could last from 5-10 weeks. The pay for my area is $17.00/hr! I noted that I can work 35-40 hours. I plan on working this many hours by pulling doubles on the weekends. The job also pays for mileage.
  4. Fellowship - I am considering applying for a year-long fellowship. The position would be a great opportunity for me, while remaining in education. It also pays $80,000 for the year! My concern about applying for this position is that I feel like I would be abandoning my current job and students, especially since I am scheduled to teach AP Biology next year. I am really looking forward to that. I figure I might as well apply and whatever happens happens.
  5. Retail - Retail is last on my list because it pays the worst. Also, I know for a fact that I would spend even more money by shopping while working. If I do this, it will be during the summer or in late May.

Why am I so determined to increase my income??? Because after tweaking my budget over and over again, I will only have enough at the end of the month to eat OR buy gas for work. Living with BF has been helpful, but I want to be able to make it on my own if need be. Moving is not an option and neither is this truck payment (not until the end of the year anyway). My mistakes have led me to be in the circumstances I am in now, so I will hustle to increase my funds.

What I Won't Do:
  • Wait tables - I would really love to, but my medical condition is becoming worse and the stress will really get to me. I hate that because I used to make a lot of money waiting tables. I'll just be glad if I can make it this year without another surgery.
  • Deliver Pizza - In my city, this is a dangerous job. Too dangerous. Even though I live in the nice part of the city.
  • Independent Sales - I've sold Mary Kay before and ended up spending too much time and money. I value my time A LOT!


So please wish me luck with my job search. I plan on posting progress on here so I can remain accountable. Whatever I do, I need to get rolling by February/March.