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Archive for December, 2005

Student Loan Battle Begins...

December 10th, 2005 at 11:42 am

New York Holidays

I make it a habit to wait until everyone is sleeping so I can read my mail in peace. I received a hefty envelope from school- telling me what I've already assessed- I will be a graduate at the end of this month. Since I hit hard times from having not been able to get financial aid for a few years, I took out loans. As I impatiently tore away at the envelope, I envisioned an al-pacino look-alike croney banging on my door shouting "I know you're in there.. you owe us 104.00 missy!!" Oh well.. serves me right to acquire the only debt that is unexcusable under ANY circumstances. It's okay though. A promise is a promise.

While I am technically on my way out of school, I haven't given thought to what i'll do workwise. ::SIGH:: This sucks. Each plan outlined in my paperwork seems outrageous because I'm looking at finishing the payoff sometime in 2045 or so, at which time I will probably be gumming through prunes and sippin' vegetable juice in hopes of keeping up with my budgeting practices. Hubby tells me not to worry and I can't help but laugh. Me?? Not worry? I'm like borderline "Monk" right about now. I worry about EVERYTHING.

This new bill on my horizon will cost me about 150/mth more. Oh well, at least I can claim it on my taxes?

Watermelon in December?

December 7th, 2005 at 01:41 am

Earlier today I had such a craving for watermelon... I was literally salivating during class ::sigh::
Today I had a very rude awakening. Hubby and I received a bill that was past due. The amount is over 1K. It turns out I've been paying way less than what I should so it's time to re-do the home budget. With my new business, I have selected the task of paying the mortgage + auto insurances woohoo. This will lower hubby's obligation a little and tie up less capital Smile



11 more days of class...

December 4th, 2005 at 02:16 pm

Oh boyyyy... the long last two weeks! I've got four papers and one full length play to write. CRUNCHTIME!! I haven't paid much attention to saving because of my school and online ventures. Between that and the kids, I barely have private time Frown

Aside from the fact that I'm one year older (sigh), I have to venture in the snow to catch a broadway musical. Normally i'd be in a good mood but today I feel like POOOOOP. I am currently procrastinating one ONE paper (due TOMORROW) and there is one huge mountain of dirty clothes in my room that plagues me like scrooge's ghostly friends. Oh well!

I've decided to cut the following three things from my home budget:

1. Manicuring (I took off my fake nails and have applied a transparent coat instead. Savings: 51.00 X 12= 612.00 yr)
2. Junk fund (I usually take 20 bucks from the food budget to buy soda and crap. Gone now.. diet time (Savings 40.00 X 12= 480.00/yr)
3. Target card usage (they dont have cashback so I've decided to use citi more often. Potential savings: 300.00/yr)

Total saved this month: 141.00
Total saved in one year: 1392.00

Have you decided what to do with your budgets? Smile