Friday Oct 15, 2010

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Ok, so since this is me and since I'm back, I'm going to bring the internet up to date on my whereabouts by making a list of To Did's and To Do's.

To Do's:
- get my credit cards under the limit - almost there. Mom & dad lent me some money to take some certification exams, so that's going to help greatly to this end
- get more certifications to help me get a better job - I'm gonna be taking my Network+ and Security+ within the next month. Network+ first, because I've already been studying for it, and Security+ partly because it's supposed to be a lot harder and I'm going to take more time preparing
- get a vehicle - well... this will have to wait until I have a better job
- go to the dentist - some day
- go to the optometrist - some day
- get a new tattoo - maybe for Christmas
- save for vet bills - we just took Blake in for some blood work and didn't have to put it on credit, so it's a good start
- get a new computer - thinking we should be able to get one for Christmas
- pay my best friend back the money I owe her - I should be able to get her fully paid back within the month
- save for Christmas so I don't have to put anything on the credit card - I've got this budgeted in, it just depends on our spending discipline
- get Steph's taxes in order - we need to get our heads out of the sand and deal with this. Since I've got a bit of extra money kicking around, we're going on Monday to get this fixed

To Did's:
- revamped my resume and have gotten a new occasional job out of it
- found out some coworkers were making more than me, so I balled up and asked for and got a raise (an extra $4/hr! W00t!)
- finally gutted the computer towers I got in the spring to see if I can make a functional computer out of them - doesn't look good. They're old as hell and it wouldn't be worth the $ to fix them up instead of getting a whole new computer
- gotten my credit card paid down enough to pop back in to SG biggrin
- stayed at home and sat around to spend as little money as possible until I got my money situation more under control



So, what have you guys been up to? Anyone working on paying down debt and getting paid a higher wage? What's worked for you?
VIEW 9 of 9 COMMENTS
brightredscream:
Wow!!! Good for you!
I wish I had the same sucesses
cecily:
My advice to you is, while in the process of paying things down, it is often better to pay down slightly less to make sure you can set aside even small amounts to a general savings (not for any particular cause). A rainy day fund. Think of it this way: let's say your debt is $100--yes, I'm making this over-simplified math--and you earn $10 a week above your bills. It would take ten weeks devoting all of this to said debt. Now, let's say you set aside $2 to your rainy day (not Christmas, bill, or debt) funds. In ten weeks you have $20 in savings and $20 left to pay, which is two weeks. here's why that can be better If something comes up where you need those funds immediately, you will have them. You wouldn't want to put it right back on a credit card, especially not over limit (FEES). I don't know if that makes sense, or if I oversimplified it to no meaning trying not to write a book.

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