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