It's not my immediate expenses that I'm worried about but the ones that I have coming up in just a couple of months because I have no idea how to cover them. August starts in another week and the tag on my truck is due, the front of the car is shaking something awful. I have to get that fixed and the front of the truck well that I'm told is my imagination so I really need to start driving it again.
When I drive the truck I can make a tank of gas last a month just going to therapy and back. That's pretty good considering it only gets fifteen miles to the gallon. The big problem is that my light bill is consistently over the amount set for budget billing. Right now I'm looking at having a $200 overage. That means I'll have approximately a $300 to $400 bill at least the month the overage plus the actual bill is due. I'm going to do.
At the moment I have $6 to make it until the end of the month and I wouldn't have that if I hadn't put some things on hold. Well, I'll be going I can't earn any money to help me out of this bind if I don't get to work. Today I have to take our house guest to meet her mother so she can go home and Theresa has two therapy sessions that are an hour apart so I may just take my computer so that I can work while we're there.
Tuesday, July 26, 2011
Friday, July 15, 2011
Broke as broke can be
Well, today is payday which would normally make me happy but not today. It's already gone before I even get it and I can't seem to make enough to make up for anything that I might have to spend. I've still got bills to pay this month and while I have the money to cover them I don't have money for anything else. I'll be starting next month in debt.
I owe $25 for babysitting which was for four hours while I ran errands thinking it would make it faster. Then I'll have to repay the money I'm going to have to borrow in order to make it until the end of the month. Next month we go back to school which means it's time to find more school clothes or at least a new pair of shoes for the little one. She'll be happy to ride to school with her friends once again. One day a week I have to go pick her up from school to get her to therapy on time but that's only one day and it won't be too hard on the budget.
I'm thinking of transferring money from my savings account to checking and leaving just enough to keep it open in the account so I can make it until I get my loan. I can always put it back later. At least that's what I like to tell myself.
I owe $25 for babysitting which was for four hours while I ran errands thinking it would make it faster. Then I'll have to repay the money I'm going to have to borrow in order to make it until the end of the month. Next month we go back to school which means it's time to find more school clothes or at least a new pair of shoes for the little one. She'll be happy to ride to school with her friends once again. One day a week I have to go pick her up from school to get her to therapy on time but that's only one day and it won't be too hard on the budget.
I'm thinking of transferring money from my savings account to checking and leaving just enough to keep it open in the account so I can make it until I get my loan. I can always put it back later. At least that's what I like to tell myself.
Wednesday, June 15, 2011
So Far So Good
I may be stressing over my deadline but so far the client is happy with what I've done. I'm going to send the next set as ten articles to buy a bit of time, then send another ten and the final five to him. I'm glad that he is happy since I was amazingly nervous after not having done a project in a year for anyone but myself. I think that once I am finished with this I'll write an editorial on the choice to go back to private clients.
I have until Monday June 20th to finish this project completely to get paid. The 21st Theresa goes for her labs and I have to figure out if I have the money to pay for the test medicaid does not cover. I also have to get a referral for the new OT. They can guarantee her a spot until the start of the school year. They are the same therapist that she sees in school so at least they'll be on the same page.
Well, these articles aren't going to write themselves so I'll be going back to work now.
I have until Monday June 20th to finish this project completely to get paid. The 21st Theresa goes for her labs and I have to figure out if I have the money to pay for the test medicaid does not cover. I also have to get a referral for the new OT. They can guarantee her a spot until the start of the school year. They are the same therapist that she sees in school so at least they'll be on the same page.
Well, these articles aren't going to write themselves so I'll be going back to work now.
Monday, June 13, 2011
First Private Client in over a Year
I have decided that with recent events I have to take on my first private client in a year. I have a week from today to have all thirty of these articles complete and hopefully get paid a few days after. I can send them in smaller sets so I am really hoping that means I can get them approved as they are submitted.
I'm a bit paranoid that something will go wrong and I will miss my deadline or have the project cancelled in the middle. I have three more to finish of the first set of five that I intend to send off. After that they are broken up into two sets of ten and a set of five to finish them up. I suppose I could just do sets of five to keep my focus. These appear to be a bit harder than I thought but once I get into them I do believe my pay rate will compensate me.
OK I've got to get back to work. I also need to do the budget for the rest of the summer. I'm hoping that there are no more unexpected expenses that come up.
I'm a bit paranoid that something will go wrong and I will miss my deadline or have the project cancelled in the middle. I have three more to finish of the first set of five that I intend to send off. After that they are broken up into two sets of ten and a set of five to finish them up. I suppose I could just do sets of five to keep my focus. These appear to be a bit harder than I thought but once I get into them I do believe my pay rate will compensate me.
OK I've got to get back to work. I also need to do the budget for the rest of the summer. I'm hoping that there are no more unexpected expenses that come up.
Tuesday, May 17, 2011
Savings Account Reopened.....
and already having to make withdrawals. I opened the account with the minimum and turned around to withdraw all but $10 so it stays open. I had to have the account but I also had to have money to make it through the rest of the month so that's how it had to work.
I've managed to put some change aside and it seems that for a while change will be all that I manage to put aside. I managed to get Theresa's OT changed so that it's at the same place as the rest of her therapy so that saves a little bit of gas each week. The problem? There are no spots open close to the appointments we already have so we have a bit of a longer stay in town than I would like at times. I can handle that, but the waits that are more than an hour or two we drive across the street and go walk around stores which opens the door to temptation. I did good today, the only thing that I bought was lunch stuff at the grocery store.
We looked around the clothing store, I realized that it's time to start saving some money for next years school clothes and I need shoes. Provided I can ever find the time I'll have a few vegetables planted. I just need Theresa to cooperate to help take care of them. I think watering them could be good for her. Picking vegetables would be good for her too, sort of if she follows directions. That would cut down on my grocery bill, I just don't want to try to dig up the yard because I don't have a tiller. I'm still waiting for fruit trees I may just scrap up some money and buy one or two this year. I like fruit and I need shade. I just won't put them where the house'll be if we ever come up with the money to replace this place.
I have a plan to get it but I don't know how I'm going to. I do have some repairs to do here before we can take care of that plan though. I managed to get enough work done so far that I'm satisfied with my next payout but it's time to begin thinking about the summer and the fact that we'll be missing one income. I have to make up the difference and I haven't been motivated since school started. I still need $100 to cover a test for Theresa. I've almost figured it out.
I've managed to put some change aside and it seems that for a while change will be all that I manage to put aside. I managed to get Theresa's OT changed so that it's at the same place as the rest of her therapy so that saves a little bit of gas each week. The problem? There are no spots open close to the appointments we already have so we have a bit of a longer stay in town than I would like at times. I can handle that, but the waits that are more than an hour or two we drive across the street and go walk around stores which opens the door to temptation. I did good today, the only thing that I bought was lunch stuff at the grocery store.
We looked around the clothing store, I realized that it's time to start saving some money for next years school clothes and I need shoes. Provided I can ever find the time I'll have a few vegetables planted. I just need Theresa to cooperate to help take care of them. I think watering them could be good for her. Picking vegetables would be good for her too, sort of if she follows directions. That would cut down on my grocery bill, I just don't want to try to dig up the yard because I don't have a tiller. I'm still waiting for fruit trees I may just scrap up some money and buy one or two this year. I like fruit and I need shade. I just won't put them where the house'll be if we ever come up with the money to replace this place.
I have a plan to get it but I don't know how I'm going to. I do have some repairs to do here before we can take care of that plan though. I managed to get enough work done so far that I'm satisfied with my next payout but it's time to begin thinking about the summer and the fact that we'll be missing one income. I have to make up the difference and I haven't been motivated since school started. I still need $100 to cover a test for Theresa. I've almost figured it out.
Sunday, May 8, 2011
Reopened Savings Account
Well, I finally managed to reopen my savings account. The problem now is that I really need the money that is in it. I am trying to earn enough right now to make up for that $50 initial deposit that I can not access until the paper work gets here and gets send back in to them. I have to stop and buy pull-ups and baby wipes tomorrow afternoon because Theresa uses pull-ups at night. She isn't to the point she sleeps in a regular bed yet so getting up to take herself potty in the middle of the night is kind of out of the question.
I have to buy multivitamins for her too. As soon as I get the money I'll be buying her the chew-ables. I have $15 in gift cards at Amazon, now if I can just get enough to get the washable overnight underwear for Theresa I'll save a small fortune on pull-ups. I need to buy at least three pair since from the reviews I've read that while they work well they take a long time to dry. I'm hoping that I can hang them on the line to dry and cut down on the drying time.
I'll be glad when I can keep the laundry under control so I can wash it by hand. I'm thinking of getting another plunger specifically for the laundry so I can wash it in a bucket and cut down the electricity use in the house. It'll use less water too. I just have to buy a ringer to go with it, then hang them outside unless I can get enough water out to hang them in the house.
Ok that's about it for now so I'll be going.
I have to buy multivitamins for her too. As soon as I get the money I'll be buying her the chew-ables. I have $15 in gift cards at Amazon, now if I can just get enough to get the washable overnight underwear for Theresa I'll save a small fortune on pull-ups. I need to buy at least three pair since from the reviews I've read that while they work well they take a long time to dry. I'm hoping that I can hang them on the line to dry and cut down on the drying time.
I'll be glad when I can keep the laundry under control so I can wash it by hand. I'm thinking of getting another plunger specifically for the laundry so I can wash it in a bucket and cut down the electricity use in the house. It'll use less water too. I just have to buy a ringer to go with it, then hang them outside unless I can get enough water out to hang them in the house.
Ok that's about it for now so I'll be going.
Sunday, April 17, 2011
Less in Sunday's Paper ?
I went to get a Sunday paper this morning. $1.50 because I haven't had a regular newspaper in a while and I wanted the sales ads and the inserts. Well it's nice to know the Sunday comics are still in the paper with Peanuts at the top but I could have sworn there used to be more coupon inserts. The sales papers I'm having trouble following it's been so long. There' a recipe for spring rolls which will come in handy. There were coupons for products we use that I always miss the sales for so having those means they cost me less and I can go ahead and buy them. I used to plan shopping trips, I'm attempting to get back to it. It's going a bit slowly but it's coming along.
I was going to try and shop only on a double coupon day but with that being a Saturday and gas prices back to $3.69 this morning from the $3.65 they were Friday. (Gas station closest to me) I don't see that happening because in the event of an emergency I'd like to be able to leave. That brings me to the need for a storm shelter. There were 17 people dead from the severe weather and tornadoes that traveled across the state as of yesterday morning and the storms were not through traveling to the east of the country.
I have some writing to do if I plan to meet my earnings goals for the rest of this month and I have to begin on next month as well. I'll be going for now.
I was going to try and shop only on a double coupon day but with that being a Saturday and gas prices back to $3.69 this morning from the $3.65 they were Friday. (Gas station closest to me) I don't see that happening because in the event of an emergency I'd like to be able to leave. That brings me to the need for a storm shelter. There were 17 people dead from the severe weather and tornadoes that traveled across the state as of yesterday morning and the storms were not through traveling to the east of the country.
I have some writing to do if I plan to meet my earnings goals for the rest of this month and I have to begin on next month as well. I'll be going for now.
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