be financially secure

I am blessed to have a job..and my hubby, but it sucks being broke all the time and working to “simply survive” ...I know we are luckier then most, however I would love some financial freedom.

Will be financially secure, no debt, have a new car, house and profitable internet business.

Last year I made more money than I’ve ever made before. My professional photography career took off, big time. I had photos licensed for dozens of magazines, books, TV programs, newsletters, brochures, you name it. I met many of my musical idols, and now I can say the professional respect is mutual. I still have a lot of goals I want to meet, but I’m beginning to believe, financial security is a realistic goal for me, despite all of the illness and setback I’ve experienced before.

To the future… I leave you with my first cover shot. Not much, but it’s a start. =)

1. I’m out of debt
2. I have a 6 month emergency fund
3. I have a decent retirement fund for a person my age.

I get paid on the 17th and it’s looking like about $500 for my first paycheck. That’s pretty sweet. The most I ever made at Mickey D’s was $360 and that was with OVERTIME. I’m only getting about 7 1/2 hours a day right now with training, plus I missed a day due to severe illness.

Sooo, not bad.

I know that it’s bad, but $125 of my paycheck is going towards a dress I’m probably only going to wear once and don’t even need. It’s a costume piece. For a Rocky Horror Picture Show convention.

I wouldn’t want to be rich or wealthy. I just want to be financially secure. Out of debt and able to afford a few luxuries. A new car that we can depend on and are not affriad of breaking down everytime we drive it. A home and I don’t mean a trailer house either. Having my children in decent clothing and shoes, no worrying if they can get new clothes when they outgrow the ones they got. Not have to worry where our next meal will come from. Not worry that the utilities will be turned off before we get a payment in.
You know, with gas prices and food prices on the rise, I find it difficult to even get enough food to feed us each and every week and still have enough to put gas in our car to get my husband back and forth to work. He has been at his current job for four years now and in that time has recieved raises totaling $1.15! That’s 0.287 cents per year! Not much of a raise considering that the minimum wage raises were higher than that and they didn’t seem to affect those already getting more that minimum wage.
My husband makes $11.15/hour on a 60 hour work-week That comes to $780.60 Gross Pay. Part of his check goes to his ex-wife($200), about $200 goes to our health insurance and 401K and Taxes. That leaves about $380 to pay utilities & loans, buy food & fuel, and get medications, ect. My husband is also ill and sees a doctor monthly and recently has been seeing specialists. If he has to stop working, we don’t know what to do. Disability insurance and SS Disabilty will not cover all our important expenses. We still have a four year old child and my disabled mother living at home.
So, yeah… Be Financially Secure!

I’ll have to define being financially secure first however…

I want to have no debts with my bank or my parents or credit cards if I will ever get one.
I want to be able to pay of my monthly share of my student loans without trouble.
I want to have a amount of savings which will take my through three months of absolutely no income.
I want to know that if anything happens I can manage. So I want to have good health insurance, travel insurance, life insurance.
I want to know that if i die my belongings go to however I want them to go.
I want to own a house and have no trouble paying of my mortgage.

For know however.. I am not quite on my way. I am trying to finish of my Masters degree as quickly as possible, because after august I have no income what so ever. I am trying to save some money for that period, but I also have to make sure there will be enough money for moving to wherever I will find a job. But once I got a job I will think of a plan to make this happen.

I just got a new job, so this should help in that department. Now I’m putting it out there that they pay me the 10k more, what I’m worth after the 90 day trial period.

By making money in my sleep.

All’s pretty good on this front for now, but I won’t say I’ve done this til we see how well I handle paying back student loans.