Boy is it a challenge to blog everyday. I have been very busy keeping up with my budget and trying to last till the following paycheck without going too far behind and needing to borrow any money from people. So far, I'm doing great.
I have one more $150 payment to get through with my credit card then that payment goes down to $75 until it is paid off. Wow. I also got some great news at work. My boss offered me a new position as a receptionist and I'm getting more hours, it's Monday to Friday and I get my weekends off. I also do healing work and I got a new client to work with once a week which brings me an extra $50 a week.
Also I am starting my new seminar with Landmark this week on sex and intimacy. I am excited about learning what limiting beliefs I have around these topics. It will last ten weeks, three hours or more a week. The amount of coaching I get in these seminars is profound. So many insights into why I live the way I do and how I have total control to change it. That's the exciting part about it.
My next step is to work on saving some money. I did get some sad news last night, that my mom is in the hospital with kidney failure. And if she goes, it would set me back again if I have to fly down.
But I can't think of that right now.
I am so proud of myself for sticking with my daily budget book and taking the time to right down what it is that I spend my money on everyday. It takes me five minutes and just the act of doing this simple exercise begins to rebuild the muscle of integrity in system. By holding myself accountable for my actions, I make different choices that lead my life in a much more positive direction. There is hope.
Today I have to go up to my new job and get the key so I can open on Monday morning I still have to work the late shift at my old job until he can find someone that want that shift. Then I will have my weekends off. I have about $60 left with my $50 session on Tuesday that will give me $110 till payday. I often wonder what the people of today are holding with no jobs. I am so grateful that I am working full time. But I also believe that I have stuck to my intentions of staying focused and positive about getting my life back on track. And I think I'm doing a pretty darn good job, if I do say so myself.
No I'm not rolling in the dough yet, as some would say, but I do have the wealth of understanding that what I need to work on so that I can make life work for me. You have to start somewhere, and sometimes the best place to start is from the bottom. When your flat on your back, the only way is to look up. Life changes. Circumstances changes. There is always a way out of your suffering. This is what gives us the power to learn new things about life. Walking towards this freedom to prosperity is a daily task. When you hear people say, it's hard work, they are not talking physically, they are talking mentally, emotionally, it is hard work. Because you must change the way you do things if you what things to change. There is no other way. People who work hard for a living, is living hard at work.
So that's my speel for today, will try to get back on writing track.
Your Money Trailblazer
Saturday, August 20, 2016
Friday, August 12, 2016
I'm on my way to Financial Freedom
Well it has been a few interesting days. I have two more paychecks to go through with getting my credit card up to date. I have recently learned that my credit card company has closed my account and have taken off the interest that I need to pay. If I miss a payment, my account goes to the credit bureau and I will have an R9 record. I am planning to pay this off so that I don't get this rating on my credit score.
When I have the last two $150 paid up to get me up to date with my payments, I will only have to pay $75 per month as payment. I have another prepaid credit card that can hold up to ten thousand dollars, so my plan is to keep doing the $150 per month but split it in two and pay one on each credit card. This way I an paying off my credit card and saving money on my other credit card. I am looking forward to this day. Sept 1 will be the last payment on what I owe. My boss also told me yesterday that he is changing our pay structure to instead of being paid on the first and the fifteenth. We will be paid direct deposit and paid every two weeks. I like this pay structure better.
When we get paid direct deposit, that means I will have at least an extra $50 a month to play with instead of paying Money Mart to cash my checks. I can buy gift cards at my workplace and keep them as a contingency fund when I need money for something. It has been such a long time since I have felt this good about where I'm at in my finances. The job is working out great so far. I'm not making a tin of money , but it is paying my bills, and that is important to me. When I owe people money, I don't have a good feeling inside.
I found a great place to walk the other day to get my mind off things, like living in the city. I such a country girl. I sat by the water for two hours and it felt so close to being at home. I miss seeing my family and they miss seeing me. I just haven't had the chance to get my finances together enough to go home for a visit. It's been almost 7 years. I have to save around a thousand dollars just to cover my bills, and then I have the cost of the flight that my mom said she would pay. Living with them for five days would be enough to handle. Plus I would need a car to get away when I need to.
So today I have sixty dollars left till Monday when we get paid. I have to pay my cel phone bill $106, my credit card $150 and my rent $450 plus I owe money to Noor still but I'm only sending her what I can. I also might have a healing session with my old landlady so that means I can make $60 there, And I was suppose to get a call for two house cleaning of $50 each which I haven't heard of yet.
I wish I could get my business going too. That would bring in a few dollars each month. If your interested in starting a great part-time business, you can look at my website. It is really taking off and it's a great way to make extra money. You can also order product without joining the business if you'd just like to try it or sell to your friends and family. www.aseachar.teamasea.com is my website
Your Money Trailblazer
M
When I have the last two $150 paid up to get me up to date with my payments, I will only have to pay $75 per month as payment. I have another prepaid credit card that can hold up to ten thousand dollars, so my plan is to keep doing the $150 per month but split it in two and pay one on each credit card. This way I an paying off my credit card and saving money on my other credit card. I am looking forward to this day. Sept 1 will be the last payment on what I owe. My boss also told me yesterday that he is changing our pay structure to instead of being paid on the first and the fifteenth. We will be paid direct deposit and paid every two weeks. I like this pay structure better.
When we get paid direct deposit, that means I will have at least an extra $50 a month to play with instead of paying Money Mart to cash my checks. I can buy gift cards at my workplace and keep them as a contingency fund when I need money for something. It has been such a long time since I have felt this good about where I'm at in my finances. The job is working out great so far. I'm not making a tin of money , but it is paying my bills, and that is important to me. When I owe people money, I don't have a good feeling inside.
I found a great place to walk the other day to get my mind off things, like living in the city. I such a country girl. I sat by the water for two hours and it felt so close to being at home. I miss seeing my family and they miss seeing me. I just haven't had the chance to get my finances together enough to go home for a visit. It's been almost 7 years. I have to save around a thousand dollars just to cover my bills, and then I have the cost of the flight that my mom said she would pay. Living with them for five days would be enough to handle. Plus I would need a car to get away when I need to.
So today I have sixty dollars left till Monday when we get paid. I have to pay my cel phone bill $106, my credit card $150 and my rent $450 plus I owe money to Noor still but I'm only sending her what I can. I also might have a healing session with my old landlady so that means I can make $60 there, And I was suppose to get a call for two house cleaning of $50 each which I haven't heard of yet.
I wish I could get my business going too. That would bring in a few dollars each month. If your interested in starting a great part-time business, you can look at my website. It is really taking off and it's a great way to make extra money. You can also order product without joining the business if you'd just like to try it or sell to your friends and family. www.aseachar.teamasea.com is my website
Your Money Trailblazer
M
Saturday, August 6, 2016
Counting the days
I am counting the days till next payday. I went to my bank and found out that it didn't cost me nearly as much as I thought it would. So I have to be careful where I spend my money still, because I'm getting a bit less hours this week at work then last week. Instead of going into work on a few days a 10 am , I only go in at 11 am. A few hours makes a difference. But I have something to look forward to this October. The minimum wage is going from eleven dollars an hour to twelve dollars. So I will get a fifty cent raise for sure. But a dollar would be nice.
Money. It is such a huge stress in our daily lives. I see people at work spend so much money on lottery tickets, it almost makes me sick. People wasting money like that just to hope they win something. I buy tickets too, but I spend maybe five dollars when the jackpot is really big. Even if I won a couple of thousand would change my life. I don't waste all my paycheck on one lottery.
How do you stay motivated around wnating to save money? I feel like the harder I try not to spend..the more I want to stay home and do nothing cause the monute I go out...I have to look at spending money on something.
What if I chose not to spend any money today? I wish I had some support of somekind to guide me and encourage me to keep going forward. I just wonder sometimes if it's worth the effort of saving your money at all.
I keep adding meaning to money. Why do I do that? I attach meaning to money when I believe that I get value out of money for something that is significant on my life. And when I do this..it creates inner tension because I can't relax when I think about money. I live in constant fear of not having enough. So it's the fear that drives money away. Need to tap on this more.
Your Money Trailblazer
Money. It is such a huge stress in our daily lives. I see people at work spend so much money on lottery tickets, it almost makes me sick. People wasting money like that just to hope they win something. I buy tickets too, but I spend maybe five dollars when the jackpot is really big. Even if I won a couple of thousand would change my life. I don't waste all my paycheck on one lottery.
How do you stay motivated around wnating to save money? I feel like the harder I try not to spend..the more I want to stay home and do nothing cause the monute I go out...I have to look at spending money on something.
What if I chose not to spend any money today? I wish I had some support of somekind to guide me and encourage me to keep going forward. I just wonder sometimes if it's worth the effort of saving your money at all.
I keep adding meaning to money. Why do I do that? I attach meaning to money when I believe that I get value out of money for something that is significant on my life. And when I do this..it creates inner tension because I can't relax when I think about money. I live in constant fear of not having enough. So it's the fear that drives money away. Need to tap on this more.
Your Money Trailblazer
Wednesday, August 3, 2016
Getting out of the Payday rat race
My goal is to get out of this payday to payday rat race. Today I get paid for 86 hours at $11.50 an hour. I have to pay my vehicle insurance, $180, my credit card $75, Money Mart $150, my co-worker $100, probably an overdraft on my bank account $40, Money mart for cashing my check $35 that totals to $580. Assuming my check is $850 that leaves me $270 I still owe on my cel phone and a friend that I borrowed $200 from this spring that I have not been able to pay.
So this is the amount I have left for till August 15. So I will put $50 on my cel phone and $20 to my friend. This way everybody gets money. Perhaps I can even buy some yarn to keep me busy till next payday. I'm waiting for my co-worker to call me to tell me that I can go pick up my check. I have maybe two dollars in my purse left.
So I didn't get my check and now I'm looking at paying late fees to my bank because my vehicle insurance come out on the third. I had changed the date specifically on the third because I knew that I was paid on the first. But my boss took off for the long weekend and I find out that the hours were just send to the accountant today. I have ten cents to my name. It is time I figure out how to get out of this mess. I had a chat last night with a friend and he said to me that money causes more stress then it's worth. I felt defeated and discouraged. Here I am working 8 hours a day with no breaks for $11,50 an hour, just to give all my money to other people. Because I only have enough left over for food and gas to keep me going till next payday.
I think about saving five dollars every paycheck again and I know it adds up eventually. If I manage the money I have, I'll have more money to manage. It just seems like a pattern keeps repeating itself. As soon as I get ahead a bit, I get a set back. I have to pay late fees that I had not planned on paying if my paycheck had been on time. I am paying a NSF charge with Money Mart because when I borrowed the money on the 26, they had to get the payment on the 29 because Aug 1 was on monday which happened to fall on the holiday. so now I have to pay them $147 plus $25 for late fees, plus the overdraft charge at the bank on that payment that didn't go through plus the late charge for my insurance not going through which is another $25 plus the bank charge overdraft which is probably $45. And probably another overdraft charge on the Money Mart check that didn't go through.
It's no wonder people commit suicide. LOL How can people pick themselves up when they feel it is hopeless to even try. But I'm not like that, I am stepping up the plate, and have looked at readjusting my budget again, for the fourth time to see if I can make this work. I don't give up easily, that for sure. I believe that there is always a way. So I'll have to stay home for the next two weeks again, oh well. It could be worse. I'll buy a ball of yarn a crochet myself something. I can visit the park that is only a mile away to get away from the stress I feel. It could be worse. Finally get paid today.
Your Money Trailblazer
So this is the amount I have left for till August 15. So I will put $50 on my cel phone and $20 to my friend. This way everybody gets money. Perhaps I can even buy some yarn to keep me busy till next payday. I'm waiting for my co-worker to call me to tell me that I can go pick up my check. I have maybe two dollars in my purse left.
So I didn't get my check and now I'm looking at paying late fees to my bank because my vehicle insurance come out on the third. I had changed the date specifically on the third because I knew that I was paid on the first. But my boss took off for the long weekend and I find out that the hours were just send to the accountant today. I have ten cents to my name. It is time I figure out how to get out of this mess. I had a chat last night with a friend and he said to me that money causes more stress then it's worth. I felt defeated and discouraged. Here I am working 8 hours a day with no breaks for $11,50 an hour, just to give all my money to other people. Because I only have enough left over for food and gas to keep me going till next payday.
I think about saving five dollars every paycheck again and I know it adds up eventually. If I manage the money I have, I'll have more money to manage. It just seems like a pattern keeps repeating itself. As soon as I get ahead a bit, I get a set back. I have to pay late fees that I had not planned on paying if my paycheck had been on time. I am paying a NSF charge with Money Mart because when I borrowed the money on the 26, they had to get the payment on the 29 because Aug 1 was on monday which happened to fall on the holiday. so now I have to pay them $147 plus $25 for late fees, plus the overdraft charge at the bank on that payment that didn't go through plus the late charge for my insurance not going through which is another $25 plus the bank charge overdraft which is probably $45. And probably another overdraft charge on the Money Mart check that didn't go through.
It's no wonder people commit suicide. LOL How can people pick themselves up when they feel it is hopeless to even try. But I'm not like that, I am stepping up the plate, and have looked at readjusting my budget again, for the fourth time to see if I can make this work. I don't give up easily, that for sure. I believe that there is always a way. So I'll have to stay home for the next two weeks again, oh well. It could be worse. I'll buy a ball of yarn a crochet myself something. I can visit the park that is only a mile away to get away from the stress I feel. It could be worse. Finally get paid today.
Your Money Trailblazer
Monday, August 1, 2016
Pay Day finally
Well I have made it to my next payday...I was trying to not stress myself too much and it wasn't easy. Yesterday, I realized that I had to take out $100 from my rent money to pay for my vehicle plates which were due July 31. I also was hoping that I would be paid August 1 so that I could replace the money I took for my rent, in time to pay my landlady. If I didn't get my plates, I would be risking driving without a registered vehicle and taking a risk not to get involved in an accident. That was not worth taking a risk for $100.
I decided to take the chance that my landlady would be understanding. This was the last financial hurdle to complete. So I went ahead and paid for my plates. Then at work, I was talking to my co-worker about what I had to juggle my money around, and he offered to lend me $100 till Monday. I said yes to the loan. So that is covered and I don't have to worry about explaining to my landlady about my situation.
I did have to go to Money Mart to borrow a $120 loan until payday cause I was temporary out of cash. As I was reviewing my contact, it shows that I'm to repay the loan on July 29. I remember telling her that I was paid on August 1. Assuming she had heard me correctly, I didn't pay attention to the due date on my contract and it does say July 29. So today I have to go back to this place, and see what she says about this. I'm not willing to pay for two days interests what I told her that I was coming in to may on August 1. If this is the game they play with people, it will be the last time I deal with them for sure.
So I have to see how this turns out and I will go and visit them on my way to Staples to print out my songs that I wrote for our practice today. I am excited for this month as I begin a 10 week seminar on Sex and Intimacy with Landmark. It will be interesting to see what will come up this time around. Taking the course with no partner might be better because I think I will be more open with myself then if I had someone in my life. So that's all for today.
Your Money Trailblazer
I decided to take the chance that my landlady would be understanding. This was the last financial hurdle to complete. So I went ahead and paid for my plates. Then at work, I was talking to my co-worker about what I had to juggle my money around, and he offered to lend me $100 till Monday. I said yes to the loan. So that is covered and I don't have to worry about explaining to my landlady about my situation.
I did have to go to Money Mart to borrow a $120 loan until payday cause I was temporary out of cash. As I was reviewing my contact, it shows that I'm to repay the loan on July 29. I remember telling her that I was paid on August 1. Assuming she had heard me correctly, I didn't pay attention to the due date on my contract and it does say July 29. So today I have to go back to this place, and see what she says about this. I'm not willing to pay for two days interests what I told her that I was coming in to may on August 1. If this is the game they play with people, it will be the last time I deal with them for sure.
So I have to see how this turns out and I will go and visit them on my way to Staples to print out my songs that I wrote for our practice today. I am excited for this month as I begin a 10 week seminar on Sex and Intimacy with Landmark. It will be interesting to see what will come up this time around. Taking the course with no partner might be better because I think I will be more open with myself then if I had someone in my life. So that's all for today.
Your Money Trailblazer
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