Yes, I am at work. I'm continuing to work on a special project with a couple of great co-workers, however today is review day and... It gets a bit boring. Except for when one of them starts tapping out sitcom theme songs on the table and a google search for the actual theme song follows. That's what's happening now.
I talked to the boys last night (they are at their dad's), and I feel bad for their dad. Why? At the end of the conversation they wanted to know when they are coming back to my house and wanted to blow me kisses. They don't do that during conversations with their dad, but that's because he hasn't earned the respect from them to receive that type of treatment. And that sucks.
Dave and I are continuing to work wonderfully as a team. Last night we relished in the fact that we paid the rent not only on-time, but a day early. While this may seem like a small accomplishment to some, it's huge to us. Although it will be slow-going, we see in our near future that all bills (well, all household bills, not my personal debt) will be caught up, on time, and paid on a timely basis. And that's a WONDERFUL feeling. While in the past I hated with a passion the necessary task of balancing my checkbook... And refused to do it... Now I have an Excel file that breaks down all my spending into categories and I check my bank account on a daily basis. Plus, I have a yearly tab which shows the spending per category from one month to the next and is truly an eye-opener. I have to remember that the month of May included a road-trip for the four of us back to New York, but the amount I/we spent eating out was ridiculous!
I can't figure out how to include my spreadsheet (my figures excluded) to this post, but if you would like the file to use for yourself, let me know!
Showing posts with label Budget. Show all posts
Showing posts with label Budget. Show all posts
Friday, July 1, 2011
Wednesday, April 6, 2011
DAY 66, Post 3
I'm taking steps in the moving-forward direction this morning. Whether they be the right steps or not, I guess only time will tell.
I called my attorney's office this morning and set up an appointment for next Friday morning to discuss bankruptcy. I still have feelings of guilt when considering bankruptcy, but I believe it really is something I need to consider. If given the choice between paying of the debt little-by-little, it could take me the rest of my life. And the last thing I want to think about, even at age 32, is leaving my boys debt when I die. So... I need to consider bankruptcy. I'm already operating on a cash-basis as far as finances go, and I have absolutely no intention of ever racking up debt on credit cards ever again.
Next, I received a call from a local, architectural and engineering focused employment agency. They had a job in the office, which was unfortunately more senior of a position then I am eligible for, which they wanted to speak to me about. Fortunately, the man told me they do get a number of jobs through their office, and he would like to sit down with me next week. So... Yay! I've already updated my resume(s) and gotten them back to him, so now I just have to wait and see what happens.
Lastly, I called a car insurance company to get a quote for my car. The car will be paid off and the title transferred to me in the next 30 days, so registration and car insurance are next on my list of bigger expenditures. Luckily we're not still living outside of New York City and the car insurance will be (relatively) affordable.
Oh! I also forgot to mention that I wrote up a monthly budget! It didn't have the car insurance cost as I didn't know that yet, however I'm seeing what I have to spend money on and how much money that will leave me at the end of every month. The leftover isn't very much, and it's plainly obvious to me that I need to get a higher paying job. I have so much to be grateful for though. One of my co-workers is working two jobs, probably both at the same rate as I'm getting paid, as she has FIVE children. I can't imagine being under that type of stress. Food, clothes, car-pools, activities, etc. It's hard enough with just my two boys! She is married though, but still... If he's making the same as us... It's got to be REALLY hard!
I called my attorney's office this morning and set up an appointment for next Friday morning to discuss bankruptcy. I still have feelings of guilt when considering bankruptcy, but I believe it really is something I need to consider. If given the choice between paying of the debt little-by-little, it could take me the rest of my life. And the last thing I want to think about, even at age 32, is leaving my boys debt when I die. So... I need to consider bankruptcy. I'm already operating on a cash-basis as far as finances go, and I have absolutely no intention of ever racking up debt on credit cards ever again.
Next, I received a call from a local, architectural and engineering focused employment agency. They had a job in the office, which was unfortunately more senior of a position then I am eligible for, which they wanted to speak to me about. Fortunately, the man told me they do get a number of jobs through their office, and he would like to sit down with me next week. So... Yay! I've already updated my resume(s) and gotten them back to him, so now I just have to wait and see what happens.
Lastly, I called a car insurance company to get a quote for my car. The car will be paid off and the title transferred to me in the next 30 days, so registration and car insurance are next on my list of bigger expenditures. Luckily we're not still living outside of New York City and the car insurance will be (relatively) affordable.
Oh! I also forgot to mention that I wrote up a monthly budget! It didn't have the car insurance cost as I didn't know that yet, however I'm seeing what I have to spend money on and how much money that will leave me at the end of every month. The leftover isn't very much, and it's plainly obvious to me that I need to get a higher paying job. I have so much to be grateful for though. One of my co-workers is working two jobs, probably both at the same rate as I'm getting paid, as she has FIVE children. I can't imagine being under that type of stress. Food, clothes, car-pools, activities, etc. It's hard enough with just my two boys! She is married though, but still... If he's making the same as us... It's got to be REALLY hard!
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