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Looking for Extra Money

September 9th, 2014 at 07:04 pm

I have been looking for ways to make some extra money. I signed up for Clickworker, and I just don't think its worth it. First off, I hate giving my social out. It just makes me nervous. Second, I did 4 or 5 things today and I have made less than a dollar. In theory, that could add up. But I find that I do the research that they ask, and then they tell me my answer is incorrect. So I just don't know. I didn't sign up for the Pine Cone surveys. I have not gotten one yet. I'm going to look on Craigslist today and see if I can find any small side jobs.


But I really think I am going to cancel the Clickworker account. Something just feels off. Anyone else tried them?I have been looking for small ways to make some extra

Weekend plans

September 5th, 2014 at 07:44 pm

Well, I had 3 NSDs out of the 5 days so far. Today I have to buy gas, but I did get a free lunch!


There is so much I want to do this weekend, but I think I will have to adjust things. My mom has had some irregular medical tests over the last couple of days. So I think I should spend some time with her tomorrow. She wants to go to an antique mall. So hopefully I can look and not buy. It will be a true test of "Suck it Up September". Smile Housework and organizing will just have to wait.

Trying not to spend

September 3rd, 2014 at 07:44 pm

And when I mean spend, I mean no money coming out of my account. But here is my question. If you have something budgeted, IE: cell phone bill, groceries, etc, and you take care of those, is that considered spending? If I don't buy anything all day, but I pay my mortgage, did I NOT have a NSD? I wouldn't think that would count. But I thought I would survey the masses.



I did spend $2.00 that I had today on crappy Taco Bell. My husband and I have been on a diet, and so this Taco Bell made me feel horrible. Actually made me physically sick to my stomach. Guess I should have grabbed my lunch today. But our schedule got a little thrown off.

Suck it Up September :)

September 2nd, 2014 at 05:23 pm

I am starting Suck it Up September. I'm sticking to the budget. I'm making sure the credit cards are paid off by the end of the month. If I want something and I can't get it, I will just suck it up and deal with it. And I will look for ways to come up with extra cash. I told my husband I want 10K in savings (Not by September!!). So Savings...Sucking it up...Success...those are my goals. I don't think it will be easy, especially since I have had a rough few months. But I'm feeling a new found sense of determination. Positive and forward.

Happy September.

Hoping for multiple no spend days

August 26th, 2014 at 07:50 pm

Today is a no spend day. I went to the grocery store last night. DH and I are starting a diet, so I shouldn't need to buy anything. Hopefully the next couple of days will be NSDs.


Finances are not that exciting right now. My budget has been a little off. Amounts are different than what I expected. But hopefully I can even it out on Friday.

Creeping through

August 22nd, 2014 at 04:13 pm

Well, its payday. I already paid what was coming due and made credit card payments. So now I just need to creep though this next week. I don't have anything to spend anyway Frown . But at least I am chugging along.


My CC #3 is finally under $200 again. That feels nice. And I received my checking account bonus of $100. We have to pay for both dogs to be fixed...so it will be about $450. I was going to use it towards that since I came up with the headstone money and we have to have the "fixing" done by the end of September. (Part of adopting a shelter dog.) I will have to go to the grocery store this coming week. But I'm hoping to keep it low.


Wish it would rain...money

August 11th, 2014 at 06:00 pm

Just for one day...or maybe just an hour...I wish it would rain money. Paper bills, no coins, so it didn't cause more damage than its worth. Smile I'm just frustrated with money right now. Ugh.

I now only have to come up with $220. I really need to have it by this coming Friday. So far I just have the $10.00 check, an Ebates check coming for $13-$15, and I have $12.50 in bills and change in my purse at this moment. So only $35.50 of the $220 I need. I still have change to count. And I can check in the laundry room for spare change. I have a bonus coming from opening a checking account. Its $100, but I won't get it until September. And I'm not sure how quickly I can take it out?

I checked on can recycling. They only pay $0.45/ lb. And I don't think I even have a pound. I am still looking for items to sell. We don't have any extra furniture except for an antique dresser from my husband's family. And I can't sell that. I am not able to do plasma right now. Sooo...I just have to keep looking.


I am going grocery shopping tonight. Anything under budget can go towards the cause. Coupons don't fail me now.

$330

August 8th, 2014 at 07:55 pm

$330 is what I need to come up with. I really can't take it from savings. It would completely deplete us. So I have about a week to come up with it. That should be really difficult. Frown I have a $10.00 check from the city. I have a small check coming from Ebates....maybe about $13-$15. I am going to try to cut our grocery bill and use as many coupons as possible. So that may add up to $50 all together?? Where does the other $280 come from? Not pay down my debt? I have to pay something. And even if I reduce the payments, it won't add a whole lot. Maybe an extra $70? And then I will still have to come up with that to reach my goal of paying everything off by September. We had a garage sale, so I don't have a lot of extra stuff to sell. I can count change. I can't change insurance right now. We are in a rural area, so our utilities have to be specific companies. I'm running out of ideas. I'm salary, so no overtime at work. Our only entertainment portion of the budget is $20 for eating out...and I already got rid of that for 2 weeks to help with my budget. Any thoughts?

We really need to beef up our savings/emergency fund

August 7th, 2014 at 06:41 pm

It is no secret that I have been struggling. Bad decisions have been made and money has not been saved or put towards debt. So, this all really hit home when I realized that my brother's grave has no headstone. The "responsible party" never ordered one. Unfortunately it took me a almost a year to gain the courage to go out there....so I just found out. (He is buried next to my father, so it is a double whammy to go out there.) My sisters and I agreed to split it...but where is my portion coming from? I guess I need to start counting change and listing anything I can on craigslist to get some extra cash? But this is why we need a decent savings and/or emergency fund!

Well...its been a while

July 29th, 2014 at 06:44 pm

I was embarassed. I felt like I was failing. So I had to step away from the blog for a little bit. Truth is, I had to get out of the mindset I was in. I was continuing to spend money. Even after knowing that I didn't like what it was doing. Then, family came into town...and I spent more. Not good. But, I can't hide from it. I feel out of control when I am spending with no regard. I don't like having debt. And the last few days I have just been thinking... "Are you really ready to get rid of this debt?" "Are you ready to commit and knock it out?" Do you realize how much better you will feel without debt? And it will free up part of your budget!" And the answer is "Yes!" I want to be debt free. And I can make sacrifices to get there. Because it will be so much better in the end.

So I am refocused on the "jars" and working with cash. I have looked at my budget and made myself realize....this is what you have to work with. And its possible.

I am still going to have all of my credit cards and the personal loan paid off by the end of September. That is still within my original goal. My husband and I are looking at a couple of ways to possibly make a little extra money. We are also really considering paying me for my work with our personal business. We are thinking $50/week. It would be nice.

So...that's it. I'm here.

Working it out.

July 1st, 2014 at 06:36 pm

Ok. I really am trying to turn things around. This week will be rough, but I guess it is just part of financial recovery. I have gone though my budget and changed what I could. With my adjustments, I should still have all my credit cards and the personal loan paid off by the end of September. Which basically was my goal. To have everything paid off by September. My grocery budget is modest to say the least this week. And it has to last 2 weeks. But, I will make it work. We have eaten out of the garden twice. I have had awesome Radishes, Italian parsley, snap peas, and green beans. Hopefully I will have some more things coming to supplement our lack of grocery budget.


I am trying to just work my way out of this. I am going through a strange nesting, life organizing, spending phase. But I am trying to get it under control. I have a goal of where I would like things to be by Friday. Kind of like my own holiday. Refocusing towards financial "freedom." Realizing how badly I truly want it. And how spending money did not make me feel "better."

No Title for this one...

June 2nd, 2014 at 06:22 pm

My husband and I received some shocking news. News that I cannot share. But it has managed to overwhelm me and cause me to make bad decisions. Actually...I take that back. I am responsible for the decision that I make. But I found myself making careless decisions while being overwhelmed. I spent $100 on food....and air filters. Why did I do that? Because I went into this panic like...I am not in control of this situation, so spend money.... reaction. I realize this 2 days later when I am literally like WTH did you do!!! I didn't have that money planned. I don't have the money to cover it. And I didn't buy things for meals. I made a bad decision based on emotions. I reacted like my mother... (who makes very poor financial decisions). Am I my mother??? For those that have read my blog you know that I am trying to "not" be my mother. Sure there are some difference....I am not 63 years old with no retirement. I own a home (Well, I am buying a home. I guess I have 28 years before I own it). I do not rely on others to bail me out. I am accountable for my actions. But what I did this weekend was exactly what my mother would do. I need to get out of this mode. *Ugh*

CC #3 is even lower! And I blew my budget

May 27th, 2014 at 04:46 pm

CC #3 is now down to $51.53. We go a small refund check from our insurance company, so I applied it to CC #3. Pretty exciting.

But...at the same time that I am making progress on my debt, I totally blew my budget. I have overspent by $75 and I still have to make a purchase of $60 that I did not budget for. Pretty much an epic fail. I am actually not even sure how to recover from it. Not pay extra on my mortgage? Its disappointing. Because nothing I bought was a need. I guess I am still headed in the right direction. I just need to focus.

Side note...I didn't come out ahead house sitting. Gas cost more than I thought. I also made more trips than I thought. But at least that insurance check helped knock out what I wanted to pay with the cash.

CC, Grocery Store, and Garden

May 21st, 2014 at 05:33 pm

Ok. CC #2 is down to $372.25. CC #3 is down to 96.33! Eek!! I am so close. I got a check from Ebates for $9.89. I will put that towards #3. I told my sister that I would house/pet sit for her. For free. Because I owe that much to her. If for some chance she does pay me anything, I will use it towards gas and CC #3. But....I am not planning on that.


I am planning on grocery shopping tomorrow. We have food still....but its hard to make a whole meal. But we do need things like milk, water, etc. The water in our area is horrible. Nobody drinks it. At one point it had more chlorine than our pool! For real!


But that leads to my garden info. We moved the garden a couple of weeks ago and I planted everything. So far I have broccoli, radishes, lettuce, green beans, snap peas, carrots, watermelon, cantaloupe, zuchinni, and something else I can't remember, all sprouting. Our peach trees are also producing fruit this year. I am so excited! OOOHHH...and tomatoes. Smile But if we can get any products from these plants I will be sooo happy. And that is less groceries to buy. We moved the fencing and I used popcicle sticks as markers. So I am only out $7.00 for repellant and the cost of seeds. Less than $20 probably.