I would be broke as usual but right now I would be worse off than usual. I am not only broke I am in debt. While typically that would not bother me as I have paid off a great deal in recent years the fact that I am farther in debt with the holidays approaching would make it worse. I would be in the process of writing or rather rewriting past articles just to have something to do during my child's tantrums since I can not acknowledge them because with Autism that makes them worse.
I am updating my blogs as she has her tantrums because I have to focus to do the timed work. Allowing timed work to time out is not a good time, it means that I wasted my time while I could have been doing something that earns a little income instead of ending up with none. I have four blogs that should be pretty well updated provided the weekend continues on the path that it is taking. I am not very good at keeping up with this one but I intend to get better. My "Odds and Ends" appears to be my favorite since I feel free ramble.
I have a lot of articles to rewrite and originals to write. The holidays are here and those articles appear to earn well close to the season and an earning boost is something I can use right now. Well, I have a few hundred dollars that I need to earn to make it until the end of the month and I need to get a head start on next month so I'm going to be going now. I do so love being in debt around the holidays, just proves I do everything backward. Most people get in debt because of it but not me. I start it in debt with an empty savings account.
Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts
Saturday, October 22, 2011
Sunday, October 10, 2010
Can't budget without all the facts
Well, I keep saying I'm going to redo my budget but I can't. I don't have all the facts of my budget at the moment. There are changes to it right now that I can't get until later in the month and next month. The best that I can do is to estimate them as best I can. I know about how much money I have coming in on a regular basis now I have to figure out how much more I need to come in.
What are the bills that I know each month?
Debt $20.00 (it's gonna take a while to pay off at that rate but that's fine to)
My phone $21.80 (can be reduced if I think hard enough)
Hubby's phone - undecided at the moment it's gonna be a while before it's put back in the regular bills
Cook's pest control - $33.00 (could cancel but then I'd have to deal with wasps and things myself, not sure about that)
that's $74.80 if I could leave it at that then I'd be doing flips.
The co-pay for ABA therapy is $3 a week, that's not much only $12 to $15 a month which isn't bad considering that the full cost of the therapy is $55 an hour. The light bill is being figured again and I should have the new monthly budget amount about the middle of the month so that I can figure that into my budget. Then there are Theresa's supplements and her diet, the food is a bit expensive but she does great on it.
How much are Theresa's supplements every month? I have no idea how much they average out to; I just know they help her so I buy them. I think I figure it out though, well when I have all of them and the prices in front of me. Of course I'd also have to have her doses in front of me to figure it out, the best I can do at the moment since they just increased is to get myself a rough estimate.
She has one vitamin C tablet a day which is $7.50 for 100 tablets or $14.75 for 250 tablets. The larger bottle works out a quarter cheaper than the smaller bottle. Which bottle depends on the budget that particular month since the drive to get it involves going farther than I would on a normal week. One pharmacy carries it or I can order it and pay shipping that's more than the gas I use to go get it.
A bottle of her multivitamins is $14 for the chew-able and $16 for the capsules that are easier to get in her. They last two months when she takes them like she's supposed to which makes the average cost $7 to $8 a month which isn't too bad.
The fish oil is cheaper to order online and have delivered to the house. A 4oz bottle is $35.96 and a 8oz bottle is $62.53. The 8oz actually lasts all month and part of the next month. One 8oz works out cheaper than 2 of the 4oz.
Complete Powder is $35 for a month supply. That's a big savings over the 4 bottles of HLC at $38 each she was going through because of the dose.
75 days worth of calcium powder is $13.
OK this is getting to be rather confusing. I need to sit down with all the supplements and the costs then average them out by the month to get a true picture of the monthly expenses once again. I know how much money I have for groceries each month now it's time to make the amount I spend on them match that.
It's also time to get back to work.
What are the bills that I know each month?
Debt $20.00 (it's gonna take a while to pay off at that rate but that's fine to)
My phone $21.80 (can be reduced if I think hard enough)
Hubby's phone - undecided at the moment it's gonna be a while before it's put back in the regular bills
Cook's pest control - $33.00 (could cancel but then I'd have to deal with wasps and things myself, not sure about that)
that's $74.80 if I could leave it at that then I'd be doing flips.
The co-pay for ABA therapy is $3 a week, that's not much only $12 to $15 a month which isn't bad considering that the full cost of the therapy is $55 an hour. The light bill is being figured again and I should have the new monthly budget amount about the middle of the month so that I can figure that into my budget. Then there are Theresa's supplements and her diet, the food is a bit expensive but she does great on it.
How much are Theresa's supplements every month? I have no idea how much they average out to; I just know they help her so I buy them. I think I figure it out though, well when I have all of them and the prices in front of me. Of course I'd also have to have her doses in front of me to figure it out, the best I can do at the moment since they just increased is to get myself a rough estimate.
She has one vitamin C tablet a day which is $7.50 for 100 tablets or $14.75 for 250 tablets. The larger bottle works out a quarter cheaper than the smaller bottle. Which bottle depends on the budget that particular month since the drive to get it involves going farther than I would on a normal week. One pharmacy carries it or I can order it and pay shipping that's more than the gas I use to go get it.
A bottle of her multivitamins is $14 for the chew-able and $16 for the capsules that are easier to get in her. They last two months when she takes them like she's supposed to which makes the average cost $7 to $8 a month which isn't too bad.
The fish oil is cheaper to order online and have delivered to the house. A 4oz bottle is $35.96 and a 8oz bottle is $62.53. The 8oz actually lasts all month and part of the next month. One 8oz works out cheaper than 2 of the 4oz.
Complete Powder is $35 for a month supply. That's a big savings over the 4 bottles of HLC at $38 each she was going through because of the dose.
75 days worth of calcium powder is $13.
OK this is getting to be rather confusing. I need to sit down with all the supplements and the costs then average them out by the month to get a true picture of the monthly expenses once again. I know how much money I have for groceries each month now it's time to make the amount I spend on them match that.
It's also time to get back to work.
Subscribe to:
Posts (Atom)