Time for a Blog? Me?!?

I know, I know. I’m a week overdue for my December Debt Picture.

Past two weeks have been insanely busy, stressful and I was battling the un-flu last week as well. It’s been hard to want to do what I need to do.

And, honestly, this month’s picture isn’t super pretty.

I really have not wanted to look at my debt. I HAVE paid off CC1 minus $13 on interest from last month’s balance, but there was a glitch with the cosmetic loan and my monthly payment was not paid. CC2 is probably way up too thanks to new kitty bills, Christmas gifts, and I have to admit, I might have been stress shopping some. So, what I paid off on CC1 is probably null when I factor in CC2 [over]use.

Awesome Things Have Started to Take Shape

Last month, I did a small experiment. I put $300 in one of my checking accounts, and used that debit card to pay for my gas and food and small extras. I used it all, and then had to use my other debit card for one more gas tank fill (approximately $44). This month I put in $350. Hopefully that will get me to the end of the month, and if that does it means I have successfully shaved $50 off my monthly livings expenses.

One of the those small extras was a weekly automatic $5 transfer from checkings to savings. I really want to build up my savings account more, like I’ve discussed before, and I figure an easy, small weekly transfer won’t be missed and will help me build up my savings some. I will continue this, and as things get paid off I’ll be able to increase that amount.

I also sold some stuff on eBay! A Coach purse, some Harry Potter stuff (yes, I’m that kind of nerd) and I’m working on selling some music boxes now. I tried selling one of my music boxes, but no one bought it so I will try again. But, I’ve sold three things and after shipping expenses, I’ll have netted around $50, so I can’t complain- every little bit helps. Less clutter too (thank God- I watch “Hoarders” and start freaking out about all this crap I own, so less muss, less fuss).

I tried getting any babysitting gigs I could via Craigslist, but it didn’t work (got one nibble, but that person needed a weekday babysitter). A friend, however, needs me to babysit her kids one night and I’ll do that for a little extra cash.

Finally, remember that ace in the hole? Well, there is a certain medical aspect to it, and I discussed it with my doctor. I think I’m ready to call the ace in the hole and get it dealt with, so I’m not counting a December debt kill down and out yet.

I may or may not post the picture for this month, I’m still trying to gain the courage to look at how much damage has been done to the one credit card. Stay tuned…

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Decisions, Decisions

On Wednesday, I got an email from CC2 issuer stating I had a document available to be read online. I go ahead, login to my account and notice immediately that my available credit is way higher than it’s supposed to be. It dawns on me while I retrieve the document- they increased my credit limit.

I have a love/hate relationship with automatic credit limit increases. I hate them because they are what got me into trouble with money when I was younger. But, at the same time, especially now that I’m becoming a more financially responsible adult, it’s nice to have some extra space on my credit card should catastrophe strike.

All that extra space got me to thinking “hmmm, I could pay off my cosmetic loan with it and save on interest….”

BUT….

I’ve never really discussed this before, but I’m obsessed with my credit score. I check creditkarma.com everyday to see what I my score is; it rarely changes, but one of these days it will be really awesome. If you’ve never heard of or tried creditkarma.com, I fully endorse it. Free service, let’s you know changes to your credit score and what it is that’s affecting the score, so by extension you’ll learn changes to your credit report as well. One determinant of your credit score is credit utilization, or the percentage that you’re using your available credit (total credit debt divided by total credit limits equals credit utilization percent). Thanks to this limit increase, my credit score should go up a few points.

If I were to pay off my cosmetic using my credit card, it would send my credit utilization percentage back up, thus bringing my score back down. Granted, it isn’t a big change, but the thought kills me! And it also makes me a little uncomfortable to take up so much room on the credit card.

What would you do? Pay off the cosmetic loan and save money in the long run? Or keep proceeding as normal?

I GOT A JOB!

I’m excited today to announce that I HAVE A NEW JOB! I put in my notice with my current employer today and will start the new job in a couple of weeks. I will be making more money over all and the new job [supposedly] has far better profit sharing. I get actual benefits, I don’t have to travel as far to work (which will mean saving some money on gas) and I’ll be in a job that will allow me better earning potential down the road.

I’ll be sad to leave my current job, I really loved my coworkers and I have some patients I will miss, but it is time for me to move on. I look forward to a new challenge in something I actually feel passionate about. Onward and upward!

Revenue Increase Hopes Abound

July has been an arduous month emotionally for me. My full-time job is becoming more…more…unbearable? Untenable? Draining? It’s a lot of different things right now, and as the days progress something more insane/unstable happens which tells me it’s TIME TO GO. But, where to?

Well, I’ve been following the “networking is what will get you a job” model, and I have let certain friends and a woman I work for on an extremely part-time basis know that I am looking for a new, permanent, full-time job that, oh, I don’t know, actually challenges me intellectually and gives me a chance to grow. Well, that woman is well acquainted with my full-time job, that’s how I met her, and she and her office manager are in the process of creating a job for me!!! Better hourly rate? No, but I’m at least guaranteed a solid 40 hour work week which my current job doesn’t. Ultimately the paychecks will be better because I’ll be working more. Also, the new position, whatever it ends up being, will be more likely to give me a focus and intent with a career path as opposed to the go-no-where job I have now. That’s what really makes me resent my current job- I was promised growth and opportunities, which are not happening, and I doubt they ever will. Ha, I was promised a lot of things with my current job and none of them are really happening! The new job isn’t 100% yet, so I am not holding my breath, but I was told that by mid-September everything should be figured out, and at the point I’ve been given an official offer and can submit my two weeks that’s when I’ll start holding my breath!

I also started to finally post some things online for sale. I did a Craigslist post with those dresses for sale again (I think I mentioned them before?), and an eBay auction for some troll dolls from my youth.

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The auction is set to end in a few hours but at least it has one bid on it, so I’ll make a bit of extra revenue. Now, what I have decided to do though is to keep the money I make in my PayPal account and use it to buy stuff on eBay for my wedding (if I can’t find some of the things I need for cheaper elsewhere). This way, I can try to regulate how I spend money on my wedding to some degree and if I have money left over when all is said and done, then I can put it towards my debt.

I’m trying to think of more ways to increase revenue. The flash mob I choreographed went extremely well, and I think I should consider re-visiting choreographing first dances for weddings, and now flash mobs for proposals and/or weddings, again. A few years ago I taught some friends how to dance for their wedding (for free though) and a couple of years after that I choreographed a first dance for a couple who did pay me. I attempted to market the idea, but got very, very little interest so I was quickly turned off from the idea and haven’t considered doing it since. But, with the flash mob going so well, I may be able to garner better interest if I were to try again. I’m going to sleep on the idea a bit more and see if I can think of better ways to build the idea.

For now, that’s all I got with increasing revenue. I am feeling motivated by my one eBay auction having bids on it, so I will put more stuff up for sale on there over the next few weeks. And hopefully the job will be created and I can get out of my current job and make more money!