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Archive for October, 2005

Bill Roulette

October 13th, 2005 at 10:35 pm

Today I feel just like the weather outside... dismal, humid, and cold. The bills don't skip a beat.. the mid month bills come pouring in before payday, creditors hungrily outstretching their hands, palm-up, eyes blazin'. I've got them in my bill basket for now.. resisting the urge to 'pre-pay' with my emergency funds and rest easier tonight. Sometimes I feel like i've got a touch of OCD when it comes to bills. I've gone bankrupt once in my life and now i'm slowly regaining my balance financially. A bankruptcy can really screw up your plans if you want to get a house and a car... mannnn.

This month I get to say goodnight and farewell to hubby's pre-military student loans. I just finished making my last hefty payment and after this month, two hundred smackaroos is freed up for good... YEEEHAWWWWWW!!

Move over Dave Ramsey.... Jeffrey Strain and Saving Advice.com is the bommmb digggity!

Spending and Earning..

October 12th, 2005 at 03:24 pm

Don't you just looove how when you get extra windfalls of cash, you spend it all right away!? I got paid a hefty check from an online venture that I decided to be brave with.. and went a little crazy with the profits lol. I paid my husband's huge Target bill and managed to buy a few things with the loot left over. I added the chump change to the Christmas envelope (side note: thanks to a member on here who clued me in that you can have multiple mini accounts in ING and name them whatever you like,, that is outstanding!! I opened up an online xmas account with them hehe)

The entrepreneur bug is hitting me hard as of late. I am so fed up with saving my pennies! On a smoother note, I just finished writing a play about tourists on the Staten Island Ferry- hopefully my classmates won't butcher my piece!

The Budget Breaker....

October 5th, 2005 at 10:00 am

came in the mail yesterday.
Last month, hubby walked into Target (we pronounce it Tarr-JAY here) and walked out with a large credit allowance. Needless to say, he did what marketing managers love... IMPULSE SHOPPING. What is it about Target that is soooo addictive? I was a loyal Wal-Marter not too long ago! Every trip to Florida would include a grand pit stop for a few bucks worth of goodies... ::sigh:::

So hubby went off.. buying MONTHS worth of stuff we already had stockpiled. He also indulged in the newest playstation consoles- buying one for each of us (the most time consuming device i've ever experienced... idle hands are the marketer's tools I say). I got the bill late when I strolled in from school.

NINE HUNDRED BUCKS
Oh sure.. one hundred more and we score a 10% off certificate on any of our purchases.. but dayum... NINE?

Needless to say, this is not in my budget to pay this month. We've splurged with the credit cards this month and now the nine here combined with the dividend card bill means:
#1. NO ABILITY TO SAVE THIS MONTH
#2. TAPPING INTO EMERGENCY FUNDS
#3. BUH BYE CHRISTMAS ENVELOPE Frown

Actually.. if I tap into the funds, the christmas envelope stays put. Oh well..

HAGD ALL Smile

I am $0.01 richer.

October 3rd, 2005 at 10:44 pm

Today I found a shiny new penny in the school parking lot. It's a rare find considering how many people complain about being broke and unable to afford tuition lol. When I got to class, my wise beyond his years English professor asked me why I was smiling and I told him about the penny. He looked at me quizzically and told me how I didn't look like the 'pinching type'. I informed him that in addition to the penny, I've found approximately 27 dollars around campus since January. This caught the ears of a few classmates and one asked why I haven't reported it to which I replied:
"It's not like you guys want it. You throw it around campus and the lawns. I simply pick it up."
I was referring to the abundance of recyclable cans I find all over the place. I have a bag in my car complete with gloves and I go to town around campus when I get the chance. It spruces up the campus AND gives me some additional cans to cash in at the end of the month. There's no shame in it... most people go out of their way to ignore the cans but when I see a can on the floor, I think to myself "Oooh.. I found a nickel!"

So in short.. I laugh all the way to the bank Smile

******************************

Consolidate Student Loan

Procrastinating

October 3rd, 2005 at 01:18 am

One of the things I love about the fall is the natural ability to sleeep and just be increasingly lethargic for no apparent reason. I have twenty one books I HAVE to read... and have yet to open ONE lol. I've got a business plan to map out for the school publication that i've yet to start on... anddddd... my room looks like taz ripped right through it!

I'm hoping this is temporary Frown

I did start the holiday envelope with a meager donation from my purse today. I usually divide the money in parts and stuff the envelopes with the smaller amounts. I read the news on August Wilson's passing... it's a loss for the literary world indeed. I read his play fences for a drama class and found it quite invigorating.

OKTOBRIANNA!

October 2nd, 2005 at 12:04 am

Today I attended a free computer training class at school and got a free flash drive just for attending. It's even got my name on it hehehe. They taught us how to make a powerpoint slide heheheheh. I LOVE IT!!
I've decided that i'm going to make a slide documenting my envelope/habit process.

Last night hubby took me out to eat to celebrate my degree arrival. Funny how being a college graduate doesn't really hit home until you see the actual diploma in your hand. The one that came in the mail is the 2 year one though... the 4 year one is coming in June after I walk in the ceremony. GULP... it's only taken me.. uhmmm 8 years to get a 4 year degree lol. That's okay though.. my two greatest diplomas are in the other room watching Tom and Jerry until bedtime =o)

That being said... here are the goals for October:

1. Cut down on buying sweets. (OUCH.. it's time to burn away the 20 pounds I have put on passing up cigs)
2. Set up a holiday envelope (Min $300 by December). (Its Christmas in October in my eyes. I am stocking up on gift certificates and cashing out reward points AHEAD of time lol)
3. Tweak the bills down somewhere by 20.00 (I'm thinking probably phone bills?)

By the way.. OKtoBrianna is the name of the chick on Billy Idol's tattoo.. Happy October Y'all!!!! YAYYYYYY