Sort out my flippin’ finances. As much as I can anyway.

Prepare healthy food.

STOP spending all our money on junk food.

STOP cancelling everything.

CLEAN THE GODDAMNED HOUSE!!!

Take care of myself. This poor ol’ bod’ is creaking!

Ok, so, I called the power co and got that straightened out. They put me on a monthly plan, of $214 a month for the next year (which seems pretty damned steep), but they said if I pay more than I use it serves as a credit, and it gives me a set figure to work with from now on, which is great. Plus it only cost me 142 to get the ball rolling (i.e power back on, etc.)

Next, I went online to my bank page. I have 2 checking and one savings account. One of the checking accounts has been completely useless to me as I never ordered checks for it and didn’t set up my direct seposit either. So, I took a few minutes, worked out a plan, and cleaned up my accounts.

Now I have one account that will have the weekly amount I need for my bills deposited into it, one account for savings, and then whatever is left will be deposited into my checking. So, I can use what I put in my savings to get caught up on what I owe for rent, cable, and tickets, while still keeping up by using the amount deposited into my checking 2 account to stay current with my monthly bills. Whats really good is all this works out quite nicely and doesn’t factor the bonus I’m getting for working these crazy hours for the next few weeks, so I should be able to straighten things out even quicker than I thought when I worked out the budget.

Also, whats really nice is that doing it this way will allow me to know exactley how much money I have left over after savings and bill pay for gas / groceries / hookers etc. (just checking to see if anyone’s still reading this :P)

And lastly, I figured everything on a four week month, so anytime there are 5 pay periods in a month that is a completely free paycheck that I could blow on anything I wanted to if I wanted to and still be right on schedule with my bills. Damn I’m awesome.

:)

this is long over due.

I’ve kind of painted myself into a corner with a lot of my financial responsibilities. Why you ask? Because I suck with money. I have a good job and make a pretty comfortable wage, and my monthly bills are pretty low, but because they are low I never pay them, because I can always do it next week. Or the week after that. Or the week after the week after that. And then I wake up one day and realize all of my little monthly bills are now great big gigantic bills due immediately, and then I’m screwed. Much like the present situation.

My power has been cut off, so I’m going to have to pay 1000 dollars to get that turned back on tomorrow. I have the money, just barely, but I have it, but still, I could have taken care of this a long time ago, instead I put it off until I have been forced to deal with it.

Next is rent. That’s going to be about 1067. My monthly rent is under 400 dollars, but apparently when you don’t oay it for months at a time they tend to get pissed off and add all sorts of extra charges onto it. Go figure.

Tickets: My license got suspended because I got three tickets a month or so ago and never paid them. So, that’ll be 500 for the tickets, and another hundred or so for the license.

Cable: Granted, I don’t need cable, and could probably cancel it, but thats how I get my internet, and plus my living expenses really are so low there’s no reason I shouldn’t be able to afford this. I paid 442 on it last week. I owe another 400.

Car Insurance: I have never ever ever had car insurance for more than 1 month a year (have to have it to renew your plates). So I resolved last month that I am going to keep insurance on my truck this time no matter what. thats only 80 something, thank god.

Divorce: 1200 big ones before I can say “I don’t”. Eesh. I was hoping to be able to get this going soon, but I think it has to go off to the back burner for a little while longer.

New Place: So, this is kind of the drive for all of this. Most of you know my plan to get a new place and move a certain lady frined of mine and her daughter in. But, i absolutely cannot do that until I get the rest of this BS taken care of. Just no way around it. And once I do if I haven’t gotten my head out of my ass by then and forced a little financial responsibility down my throat then these problems are going to all come right back and add a lot of strain on that relationship. And I can’t have that, now can I?

So, it’s time for Joe to stop wasting his money and start getting his shit together. In other words, it’s time for me to become a responsible adult…

I’m going into 12th grade in about 2 weeks, and I want to spend this last year of high school becoming a responsible adult and not being so much like an immature kid. I need to be responsible if I’ll ever get on in life (I know), so I need to spend this last year of childhood becoming a woman. Plus, I’m a girl full of many dreams for my adult life, and I’m determined to make them come true. I’ll do everything in my power to be responsible so that I can live out these dreams to the fullest!