PAID IN FULL

Those are some beautiful words…

And I just verified that my cosmetic loan has indeed been paid in full.

HOORAY!

Now on to those credit cards (again…)

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Maybe, JUST Maybe…

I’ve been boring lately, ranting about my not so great financial situation. Not so great things have been happening in other parts of my life, mainly at work, but those bad things at work have been good on my pocket a bit. Due to a flood that shut down my office, we now are operating out of another suite until everything is repaired (stress level is high!). The first week it was going on, I ended up doing several hours of overtime to help get things in order. It wasn’t a ton of money, but still, it added extra padding to my paycheck. On the flip side, my cat was diagnosed with arthritis and taking her to the vet to be given that diagnosis cost a pretty penny. Always something…

Last week, I was super stressed about finances and how I was going to pay a deposit for the wedding. I was looking at my student loan payments and noticed something odd. I didn’t need to make my next payment until May 28 and when I asked about it, they said that it was correct, and if I turned off my override, I wouldn’t have to make a payment on my account this month. When I was checking my deposit from work on Friday, I was checking other activity on my account. My cosmetic loan payment was withdrawn, and I realized I had a lot of extra cash. I just did some quick math and this is what I figured out:

If I don’t pay my student loan payment this month (I know, the thought makes me want to puke, but once I get my deposit back it’ll go straight to the student loan), I can pay my bills, the deposit AND PAY OFF MY COSMETIC LOAN.

I’m still in shock. My math may be wrong, but I’m pretty sure it’s right. I’ll have to be really tight for a few weeks, but that would be good for me in the long run anyway to re-invigorate myself for this financial battle. With my complete lack of control in recent months, this would be a good exercise and will help me get back to fighting the credit card debt next. I’ll save around $15-$20 in interest in the process, and of course, saving money is the goal here.

Otherwise, I haven’t made any life altering decisions to increase my income or have done anything drastic to earn extra cash. I’m trying eBay and not being so successful this round. I didn’t get that modeling gig. I haven’t heard if a dance studio near me will use me for a few weeks this summer. I need to look around again and see if there are any opportunities for the summer time that would be lucrative (and worth giving up my summer evenings/weekends). Also still need to call my ace in the hole, and hopefully that will be a good quick fix to a few things that ail me once that’s all squared away.

The battle rages on…

Karma?

Is that you karma? Knocking at my financial door?

Yes, yes, I think it is! Don’t like my spending habits lately? Well, you know, those shoes were so cute! And that top is great for work! And we both know I prefer to wear dresses on the weekends in the summer…

Oh, wait? The cat may need orthopaedic surgery? Fiance may not receive the usual annual bonus amount? Oh, I guess I shouldn’t have bought all that stuff…

Ever feel like karma is trying to send you a financial message? That those little goodies you bought yourself may have felt great in the moment, but then all of a sudden some financial burden hits you, potentially crippling the thin financial foothold you have?

Well, yesterday and today were examples of karma coming to get me after those moments of weakness. Bought some shoes a couple of weeks ago, convinced myself they were my birthday present. Went to a girlfriend’s house yesterday and bought a top and dress (having convinced myself using the above mentioned reasons). Then I took my cat to the vet later that afternoon- she may need surgery to alleviate pressure off a joint.Then I get home from work today (keep in mind, we have a major chunk of our wedding expenses coming up, I’ve saved for some of it, my fiance none) and my fiance learned he may not get the normal generous bonus he’s received in years past. At this point, any bonus is better than none, but I don’t think it will cover costs like we had hoped it would.

I did take the time to photograph and post some stuff on ebay the other day, was already working on being super cheap with purchasing centerpieces for the wedding, waited until after Easter to buy baskets since they were on sale, etc. So, in an effort to convince myself I’m doing something right, I’m sitting here begging my audience to cut me some slack when I deserve none. I deserve the hand karma is doling out. I’ve continued to let stress rule me and I’ve given in to those financial indulgences that got me into trouble in the first place.

I have looked into teaching more dance classes, but it’s hard when you have very limited availability and they need someone NOW. I am tapped out on ideas otherwise. I toyed around with the idea of trying to convince my old boss to hire me full-time at her new practice, work her early hours, then work part-time for my current job in the afternoons..it would be too much of a hassle and my old boss probably can’t afford me currently. I’m trying to think of summer employment opportunities that may work for me, but I’m running a blank. Still need to call my ace-in-the-hole and ask a question, and I continue to bank on that coming through, and soon but I need to make that phone call!

So, really, nothing has changed. My inability to handle stress properly and say NO to certain things continues to be my financial downfall. Now that April cosmetic loan payoff is still probably out of the question, again. Forget the CC1 and CC2 balances (since I had to use CC1 for the vet visit yesterday).

HELP! I’M DROWNING! Does anyone have a lifesaver?? Ideas?? ANYTHING?!?!?!?