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Archive for September, 2007

Going back to work Tuesday

October 1st, 2007 at 04:04 am

I should be getting my last two disability checks soon. Rent is due tomorrow. We are getting a reimbursement check back from My Insurance Company from the asteigeologist (sp??) for $150, and I am also putting in $700 (from those two checks from being out on Disability) to cover Rent.

Then I can get back to getting things good on my own account.

Car Insurance

September 27th, 2007 at 08:00 pm

Well playing around on MyPoints, I decided to get a Car Insurance Rate Quote from various Auto Insurance Companies. Well most of them were $60+ and to my Surprise one is actually $33. Right now I pay about $50+ a month for my Auto Insurance. So I am thinking of having that same company do another quote for me to make sure it is accurate with the Insurance I have now.

Since my Insurance I believe is $51 A MONTH, my SAVINGS would be $18 a month! Which I could put back into my Savings.

Speaking of Savings - After I go back to work, I would like to Deposit $30 a week into my Savings Account with Direct Deposit.

Not sure though yet, how I will do it.

Oh dear, my Credit Cards

September 26th, 2007 at 04:17 pm

I have two...my balances are awful on both. I have not used them and I am still waiting for my Checks for my Short Term Disability. I need to pay them both off. I should be getting a Check this week.

I will be going back to work next week sigh.

Plan to Pay $50 on both every week, if not more.

My newer CC has more fees because it is unsecured, horrible fees but I want to make the most of it.

Doom.

Ever not have alot of money but.....

September 9th, 2007 at 04:05 am

Feel like you have to BUY Everything? That is how I feel right now. I cannot help it. At least bills are getting paid right?

Budget/Credit/Debt Analysis

September 8th, 2007 at 04:50 am

Oh I hope I don't turn into Analysis Paralysis! But I am trying to figure out the BEST way to Manage my Money.

I want to be able to Save, Invest, Cut Debt,have a 401K and Spend a little bit and open up a Savings for my DD. PLUS pay my separate Bills.

My Check normally is $480, once we go back down to $250 for our living arrangement that will leave me with about $230.

My Partner invests about $25 for the 401K for the company we work at...plus they match whatever you put in and get Company Traded Stock. Works out well!

$230 to work with....hmmmm

I will be using Sharebuilder to invest in Stocks...probably the Automatic Plan because then the Stocks are only $4 when you do it that way. Which I can do Monthly or Weekly. I will most likely do Monthly.

I would like to Save at least 10% weekly in my Savings Account.

Then paying off Old Debt about 10% a week also.

Plus Bills which equals 2 CCs, YTB and Car Insurance. Which are due 09/17/07, 09/17/07, 09/18/07 and 09/22/07.

I want to be more Organized with my Finances. I signed back up for Zooba and it will be sending me a Credit Book. I cannot wait to read it.

Money Evaluation

September 7th, 2007 at 01:38 am

Savings Accounts:

Savings Account 1: $25
Savings Account 2: $25
ING Account: $82?

Bills Due:

YTB $50
Car Insurance $50
National City CC $10-$50
Mastercard $50

MEDICAL BILLS:
$100 for Surgery
$10-$30 for Pain Prescriptions
$20 (Mom was sweet to cover) Appointment for Surgery

Main account $350 (for all other bills w/Partner - Rent, Gas, Power, Comcast etc...)

Checking Account: ?

This week I will be getting
$480
The following week
$206

When my Disability Checks come in it would be the first one for only two days $206 and then the following would be $480. I think I can budget all of this for this month. Not sure how Surgery is going to be as I do not have Surgery that often.

Then I will be back to work. Later my Partner and I will be only be doing $300 a week and then $250. We just want to make sure we have all Bases covered with Bills and Surgeries...My Daughter just had her teeth done too. Then I will have more money to focus on Saving, Investing and Paying off OLD Debt.

On Short Term Disability

September 5th, 2007 at 05:01 pm

Starting today. Made sure I got ALL my information in and I am meeting with the Surgen today about when we will be doing my Hernia Surgery. I am going to make sure I stay on top of my paperwork and such so I can get Paid while I am out. I just have a bunch of bills due Frown .

Money Goals

September 4th, 2007 at 02:23 am

Right now the majority of my money is going to my account with my SO. So I am just going to start small with my Investing, Saving etc...

$10 week towards Bad Debt
$20 a week towards my Savings
Invest in Sharebuilder
401K at Work