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Archive for January, 2009

That's it, I'm done.

January 27th, 2009 at 04:23 pm

Well, I've hit rock bottom. I don't know what to do anymore. I've been working so SO hard at my two jobs, my budget is already bare bones, I HAVE NOTHING, have sold everything but my soul.

A cc that we owe a bajillion dollars on, the interest rate nearly doubled. We're screwed. That's on top of all the other crap we have to pay, of course... I don't HAVE an extra HUNDRED DOLLARS a month. I don't have an extra FIVE dollars a month.

I can't do it anymore. I can't. I have no idea what to do. I hate myself for this mess I've caused and wish I never saw a credit card in my life. How could I be so STUPID??

I have officially hit rock bottom.

HUGE NEWS!!!

January 18th, 2009 at 08:43 am

OMG, OMG, OMG, OMG!!!!

Guess what?!?! Guess?!

MY HUSBAND HAS A JOB!

There's a few catches. He'll be on a two-week probation period. He explained his health issues, so they're giving him two weeks to see how things go, if he can handle it, etc. It's going to be interesting... he has been out of work for a long time. I forget exactly what the pay is on the probation weeks, but after that they'll discuss his regular pay if he's staying on. So we're not sure how much he'll be making yet... I'm nervous for him and hope it works out.

It's going to mean HUGE changes for us here at the home. Like we only have one vehicle right now (there's a second in the garage... some beat-up old piece of crap that will run though. Someone gave it to us and there was no point in putting it on the road) He's going to work 8-6 five days a week. I work from 9-whenever. At my second job it's literally a one-block walk, so I'm not worried about that in the least. But anyway, the place he works is maybe 3 minutes from my downtown office. So I'm going to ask my boss if I can come in at 8 and leave an hour early, because I don't want to have to drive downtown, drop him off at 8, drive 15 minutes back home and then have to be downtown by 9... that's just silly. I'm sure my boss will go for it. He could take the bus to work, but I know he's going to need all the time in the morning to get his health stuff straight, so the bus isn't an option..... so we'll see. Maybe he can make friends with someone who lives near us and carpool.

So uh... yeah. Yay! We're not sure when he's starting yet. Possibly as early as next week! We've lived SO long on one salary, this is just going to be awesome for our debt payoff : )

Ten no spend days...

January 11th, 2009 at 03:59 pm

Well, if you read my last blog (or second last... whatever) Anyway, I had said I was going to see how long I could wait in 2009 to not spend anything, but finally of course there was stuff I had to buy... I needed gas, toilet paper as well as shampoo, so I did have to spend money on the 10th. Boo. Ten days is really good though!

oh yes, $250 for meeeee!

January 5th, 2009 at 01:44 pm

I came home, got the mail, which I always dread. There was something from my insurance company and I opened it and it was a check for $250!! Woohoo!!

Of course, I don't get excited about it when I remember my car deductible is $500, and that was what I had to pay last year when my husband was in an accident (other guy's fault and the other driver's ins. co disagreed and didn't want to pay me my whole deductible, blah, blah, blah.)

But regardless, I now have an unexpected check for a nice $250 : ) WOOHOO, I need it SO BAD with how crummy my checks are this month!! YAY!!

Oh yeah, I STILL haven't spent any money. I probably will have to get gas tomorrow though, so....

Three days in, no money spent.

January 3rd, 2009 at 07:47 am

I still haven't spent any money in 2009 yet!

Yesterday I was going to swing by the store and get a cup of cappuccino, and I had a buy one get one free coupon, but I figured no sense in throwing off my whole game for $1.07, or however much it is.

I realize I should have made an exception for gas money... oh well. I haven't gotten gas yet and have a full tank still so it will be a while. It will be interesting to see how long this goes!

Just got home from work at the second job. Worked a very early shift so it's nice to be home early. Getting ready now to do the one thing I REALLY look forward to every single week (which is free) which is going to the shelter to volunteer! I adore those shelter dogs to death.. it seems like such a small thing, but ALL WEEK I look forward to Saturdays and going down there!

How long can YOU go without spending money in 2009?

January 1st, 2009 at 08:14 am

Ahhh, a new year! GOOD RIDDANCE to 2008, I say! I think it was the most difficult year I've ever had.

So it's 2009, a new year, a new start. I was just thinking this morning... I wonder how long I can go without spending any money?

There's some little "rules" I've made for myself. I know it might seem like I made the rules so I can say that "oh, I haven't spent any money in 2009!" months from now, but there's a few things I decided were okay.

One is that I am allowed to spend gift certificates and have them not count. They are gift certificates and not money, so technically it wouldn't count ; ) But any cash I get for my birthday (it's my birthday today, btw.) or got for Christmas

Two is that, obviously, paying bills doesn't count as spending money! Heh, I would be out of my own game later today if that was the case.

Three is that the money I pay for parking for work doesn't count. I know, I know, it's money out of my pocket. But I make an exception to this because... well, I have to work and maybe three days a week or so when I go somewhere for a job I have to pay to park. I really don't have a choice.

So we shall see how long this goes... and when I DO spend money, I'll start the "game" all over again.
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My friends came over last night and one of the birthday gifts they gave me was this budget workbook thing http://www.amazon.com/Budget-Kit-Common-Management-Workbook/dp/079318794X/ref=sr_1_1?ie=UTF8&s=books&qid=1230826304&sr=8-1 it looks awesome! Good way to start off the new year, I guess : )