I usually get $5,000.
$700 goes to State
$2000 will to buy car (long story)
$700 Pay off Credit Cards
Pay deposit for Apt
Viewing the 'Make Money' Category
I usually get $5,000.
I started Paying off my old DEBT!
Okay but I am slightly discouraged if you look at the numbers
I take home $457.50 a week
$325 goes towards shared bills (rent, groceries, utilities etc...)
$50 a week is towards CareOne ($181 a month)
$25 a week towards Savings
Which leaves me almost $60+ a week leftover.
Keep in mind - I still have to pay my CCs, Car Insurance and a couple of other things every month.
Am I doing okay and the right thing? I know any extra is going towards paying off my debt.
But honestly, I still like to buy things :P and would like to have things too.
Well, I am really annoyed about my financial decisions lately.
*Bought a Laptop (Laptop interest over 25% I believe)
*Need to pay off CCs again (2 total $675 both with interest over 25%)
So what I am going to do is take out the $900 and pay $200 on each of the CCs ($300 CC and $375 CC) and put $400 towards the laptop and then pay the rest off in payments on both.
I already have $25 a week going into my Savings and I am sure I can come up with ways to make extra income.
Then after I will contact CareOne (they are already knocking the down the door and calling me and I will let him know I am interested and to give me a minute)
Anyway I was also reminded of the Suze Orman segment of "Can you Afford It" when the chick had BIG BUCKS in her Savings and still had ton of CC and Student Loan debt and she told her what is the point of having a BIG Savings if you have all this Debt??? So I agree. Plus I am sure Suze would have DENIED me getting this new Laptop Oopsy!
More later in as The Jackie Financial World Turns later :P
In the Billing Dept that I had been promoted to last October 2007, I did not get my pay for it. The reason for that is, you have to Certify. Which means I have to pass a certain number of Billing Calls and hitting Quality points before I would get my Promotion Pay...and I had three chances to Pass. Well, the first two times they put in in February I failed. And if I had failed the third time I would be sent back to my prior department. So anyway, 7 months later I FINALLY GOT MY PAID PROMOTION I CERTIFIED!!! WOOHOO!! On top of that but the yearly raise in due in June so I will be getting that as well!
Plus I am waiting on my stimulus check. I am thinking about living a paycheck behind and beef up my Savings...Right now because of my Taxes last year I have about $1,000 combined in two Savings accounts. $300 in my ING and $700 in my regular Credit Union.
With my Daughter's check that is going to start her Savings, $100 of her $300 is going to go for her down payment for her teeth again (she has two new teeth growing in and we have to remove the other two).
I am going to take inventory of everything that I receive a monthly bill for and see if I can drop some unnecessary items from being debited from my account.
I had received my Tax return today and paid few good sized bills...it made me happy. Smile Now I don't have to worry about paying them unless I use them (my credit cards) plus I don't have to pay my Car Insurance till June now.
My Taxes are done and I am getting back
Utah State Tax $598
Credit Cards Pay Off $600 (YES!)
Car Insurance $231.40
GRAND TOTAL: $2489.40
I will have $2017.60 left over.
Last night I was watching Suze Orman and watching her made me realize how I need to kick my butt about my debt.
I had booked my first Travel Booking on my site! I booked a flight for two to Mexico.
I had also acquired some Travel Leads and had been speaking to prospects who are looking to book Travel vacations.
I am very excited and looking forward to using this money to Pay off my Debt Completely and Financial Independence!
At my Job we had donations for United Way, as a contribution through your paycheck, last year I did the one time option and this year decided to do $2 a week towards the Community Fund via Payroll and then had her verify that the money would go directly those in need and not for 'administrative' costs.
I will also being contributing 2% OR 3% of my weekly income for my 401k, my job will match 3%.
I will be getting Health Insurance through my Job also, although I am already covered, but that coverage won't last forever.
Then the last thing I am going to is put $25 a week into my Savings - Direct Deposit of course.
Lastly I MIGHT possibly get Promoted. I am not depending on it so it will help with all the stuff above.
Well I just barely logged back into my ING Account after a million years and Updated my Account information and I saw I had earned a TON of interest and still had my money in there...but I also have another Savings account that I cannot touch that is supposed to be used for random checks I received and I would like to Deposit into both Savings but not quite sure how I plan on doing this...what I want to do is possible do automatic transfers every week from my Checking to my home Savings account but then again I earn higher interest with my ING Savings account...not qute sure how I want to do this....
Pay off Debt
Some type of CD and Investing such as Sharebuilder.com
MAKE More Money
Hmmm....need to write this down on paper
IT is painfully hanging over my head. I decided against Debt Consolidation for the time being because I think I cannot afford $80 bucks a week towards paying off my old debt. Every time when I attempted to think about fixing my debt, my head hurts and I feel sort of helpless. Although I know I am sure there is something I can do. Just not sure how I am going to go about this yet. Sigh. On top of that I want to sign up for my Job's 401K, open up a Savings Account for DD and start putting $$$ back into my Savings. I am failing at all of these things right now, PLUS I want to pay off my Secured Card again so I can use it for things again. My Relatives keep insisting the B word and I just couldn't ever do something like that. Like I always say, I OWE this money to them. They don't owe me anything.
I also want to go to College badly . I am looking into Grants and Scholarships before I consider a loan. I want to get my Bachelors of Science in Sales and Marketing and take Online Courses. My Job has Tuition Reimbursement but I do not see myself there for another million years and still have BIG Goals and Dreams to be an Entreprenuer and that I am working on DAILY.
Sigh there now I whined my sorrows about Finance will be getting all of that sorted. Sigh.
At my strict Job. I am relieved and Happy but at the same time still know this is not my Dream. I am still trying to get my Business off the ground. I get frustrated when I think about it. Considering the Live a Raise Behind option which I should have done with my last raise. Really too tired to get into detail.
Well at the advice of my Beau, I began using my Check Registery for my Purchases on my main Checking/Debit Account. I now right down everything I use on the account.
I am expecting a $34 Refund Check for my Daughter's pictures that came out crappy and a $10 Total from Pinecone for Surveys. I also cashed out MyPoints for myself as a Birthday Present...I had enough for a $50 Gift Card.
Las Vegas was Great, we lived off of Comps and we had a Free Room for a couple of days...we also won which means everything we did in Vegas was absolutely FREE
I feel bad for taking the $400 from my Savings account but I plan on replacing it again later plus with extra that I have been keeping in my main account just fear of going in the red again.
I also started working on my Business...going to try to boost it a little bit more.
I got my Taxes back and I put $1300 in Savings and paid something that I cannot remember LOL. $1,000 of it is to fix my daughter's teeth once I find a Pediatric Dentist.
Plus I went to Wendover, Nevada (I live in Utah) and won a total of $1,000 on the $1 Slot Machines with the tip from my new Beau
*Get myself out of the Financial Blunder I had put myself in.
*Pay off my Parents in 4 weeks because they helped me get my all weather tires.
*Pay off my CC again.
*Pay ALL my Bills before anything else.
*The BIGGEST OATH OF ALL is do not sign the list to go home early anymore.
Jacquelyn Butler 11/28/2006