Friday, July 29, 2011

Another Month Gone

Alt. Biker Mice Site and The BookWorm’s Library are back up and running. Hope you guys appreciate that I’m not watching Harry Potter, Capt. America, or Cowboys and Aliens. I’m not upset much. There’s no way to justify spending nearly $20 on entertainment when I have to pull money out of the meager emergency fund to buy gasoline and groceries.

Being a grown-up sucks.

It’s not all doom and gloom. I haven’t projected budget for August yet, but it doesn’t look as bad as July and June have been.

Side Hustle: I like this way of describing what I’m trying to do with a second job. If the hours spent and effort, etc. isn’t strenuous, I’d like to keep it until I can pay for the house remodel. Writing fiction is the ultimate side hustle, but I have a lot of work to get there.

At the same time, I need to figure in this equation: website earns money – expenses for websites = nothing out of pocket. I haven’t gotten any further with this idea yet. I still like the last idea I had but it needs a lot of scrubbing and a complete overhaul before going forward.

To be honest, I have no idea how to fit it into my schedule either.

Read Free!
The BookWorm

Wednesday, July 27, 2011

Schedule Changes

I mentioned briefly that I had cleaned off the schedule in What a Week It Has Been. It was to clear more writing time, I decided to try it even though I shifted to looking for a second job. Daily tasks went from # to 5: make bed, wash dishes for 15 minutes, work on budget for 15 minutes, write 500 words, and set out stuff. Weekly chores went from # to 8.

Today was my first oops because I didn’t go to bed on time last night. Some tasks I’m fine tuning, but shifting the budget work down to 15 minutes is working wonders on staying on top of finances. It’s enough time to update Quicken (as long as I’m sure to do it every day) and to start a more involved budget project like making a spreadsheet to detail my net worth or figuring out how to break down the next paycheck. I do need to update my list of those projects so I can remember what to open the next morning. Hopefully, I’ll remember to do that tonight.

Second job: maybe have a lead on a work from home. Need to apply tonight.

All my Sallie Mae loans are consolidated with the Direct Loan program with an income-based repayment plan. I still didn’t have enough money to pay that, so now it’s in deferment until 7/28/2012. It’s not the best solution since interest is accruing, but I don’t have the cash until I get rid of other creditors. I still need to see how it affects my monthly budget and potential snowballs.

Note for DUF: It puzzles me how quickly I can lose track of what I’m supposed to be doing.

Read Free!
The BookWorm

Tuesday, July 26, 2011

Job Hunting

  • Look for Staples call center
  • Look on Craigslist
  • Look at North Oaks
Wanted: a part-time or full-time night/weekend job.

I haven’t hit the full-out depressed funk stage of job hunting yet. Mostly I’ve been glaring at myself in the mirror. “Why isn’t anything ready to publish? Hmmm?”

There’s no answer.

Read Free!
The BookWorm

Thursday, July 21, 2011

Should I Lie?

I heard back from Convergys today.
Thank you for taking the time to submit your resume to Convergys. Your qualifications have been updated and reviewed against our openings. Unfortunately, we have identified other candidates who more closely meet our requirements at the present time.

This is why I hate job hunting. I understand really a desire to hire someone unemployed first as opposed to me who has a steady job, but I need to WORK! And the first thing that hit me, is should I lie on the damn application?

I probably won't; I'm too honest for my own good. And I don't want to get slammed with a "you lied on your application" problem. But I could use some good news soon.

Read Free!
The BookWorm

Wednesday, July 20, 2011

Sympathetic Magic

There are spell components waiting to be used in the back bedroom. Don't remember why I didn't actually perform the ritual, but I think I should take some time for magic. Especially after this beginning of this week.

First there was my sobering weekend over the state of my finances. I applied to the position at COnvergys online, but didn't know if I counted as a rehire from 2003, so I didn't call the rehire phone number. I resolved to go see them in person and beg if it came to that, but not on Monday.

A deadline for our tax department was on July 15th and we're in the middle of the assessment season. I didn't get to leave until 6:30pm, stopped for supper, and finally made it home around 8:30pm. So much for rewarding myself with Warehouse 13.

Tuesday's work at the paying job started at 7:00am. I didn't have any time for writing with the work left over from Monday to get out. Don't cheer for my overtime. State workers are compensated with K-time, not money. Now if I don't use any of the K-time to take time off (it is used before annual leave time) for the next few months, they will exchange it for cash, but I have no idea how long I have to wait or how big a balance I must have. If and when, it'll be a nice surprise.

I got to leave at my normal time and on the interstate, Rizzo's engine started making a new noise. "Okay, I have to get that checked out, but nothing's changed with the performance so maybe I'll make it home." Then the air from the AC isn't cold any more even though it's still blowing. I start watched the temperature guage to make sure Rizzo's not overheating again. The needle doesn't move.

Right after I passed the O'Neal exit, the battery light comes on the dashboard. I turn off the AC and the radio, but it stays on. I got off the Interstate and went straight to Denham Springs Tire Kingdom. Verdict: tensioner was making the noise, the AC compressor stopped, and the alternator was dead. Fixed the tensioner and the alternators because I could afford that before the labor. Now I owe Dad more money and didn't get home until 8pm.

"I miss my Hyundai. I never had any trouble with my Hyundai up until I wrecked it."

"That's what my mom said about her Hyundai," the Tire Kingdom clerk said. "No problems until she totaled it."

I left before finding out how much more me and his mother had in common. I also resolved to go to Convergys and not leave until I got a job or ran out of lunch break.

They weren't seeing any walk-ins, but the security guard told me I would be a rehire, so I left a message and found a short cut back to the office today.

Disappointing, especially considered how I screwed up my courage to go out there and make results happen. Even more disappointing is when I got home on time (despite the road construction on Pumpkin Center Road) and saw my answering machine beeping with a message from the governor's reelection campaign. :p So why does all this remind me of the gathered spell components?

They're for a spell to attract money.

Read Free!
The BookWorm

Sunday, July 17, 2011

What a Week It Has Been

It started last Monday July 11th with fretting about money. Then because I was fretting without the figures in front of me, I went into denial period where I thought I could earn enough to get over the hump by writing articles for Helium at $2 an article. That at least got me to overhaul my daily schedule, which it needs periodically to combat my tendency to keeping adding to the To Do List.

When I got home Friday, payday, I stuck the figures in front of my face to pay the bills and the results were a bloodbath.

Assets = $41,462
Debts = $153,111
Net Worth = -$111,649

The one piece of good news I had was my Direct Loan consolidation package came through and my repayments are now based on my income. And I still don’t have enough income for that. *headdesk*

Faced with the ugly truth, I filled out an online application for the Convergys call center again. It’s a full-time position, just like the one that sent me into sleep deprivation back in 2003. This time I will insist on a saner schedule (I’ll work all Sundays without arguments if I can set Fridays and Saturdays as my days off to sleep. Heck, Friday is even negotiable, how about Wednesdays and Saturdays?). And I will use vacation time to catch up on sleep. Because all my spreadsheet calculations done on Saturday have convinced me it will take longer than four months to accomplish the four goals I came up with.

Second Job Goals
  • Service car
  • $1000 Emergency Fund (849.77 to go)
  • Debt snowball and pay off my highest interest rate debts and everything I owe to Mom, Dad, and Uncle Scott
  • New temporary roof
In theory and from previous experience, this will keep me so busy, I won’t spend money on other things in my budget and can probably snowflake more cash towards these goals. But I also won’t be surprised if I have to keep this job until after Christmas.

Now I’m going to go work on some fiction while I still have time to do that.

Read Free!
The BookWorm

Saturday, July 09, 2011

Home again

Finally got home a little before 4am this morning from Austin, Texas. Ridiculous high heat. It's hot in Louisiana but it's not the same kind of heat.

So my websites are down because I can't pay hosting fees until next paycheck. Doubt it's a big concern for anyone but if a download of mine doesn't work, that's why.

My sister's surgery went fine. But she also developed pancreatitis and had an inflammed liver by the time she got to the hospital with the gall bladder. She stayed in the hospital nine nights and was finally released Thursday on the 8th. The fever didn't spike back up and she's restricted on lifting, but since she wasn't having any other issues, Mom came on home with me.

Now I have to go catch up on everything.

Read Free!
The BookWorm