The last time I
updated (September 2014) I had just moved for a second time in my new place and
then I dropped off the face of the planet for the second time in a year. I suppose between the split between my
ex-husband and boyfriend, I became very depressed and just wanted to be very
much alone. Fast forward to the present
day, I feel better, freer and for the first time looking forward to a new year
with a fresh start. The last quarter of 2014,
I did figure out that I was living to make everyone else happy and I was not
living for me. Well that has all changed;
I am all about me and of course my now 18-year-old daughter.
For the first time
in my life, I live by myself! I took
some time to adjust to the quiet and not being busy with anyone else’s
obligations. I went from being busy
16-18 hours a day to being bored as anything in September! The adjustment period is over and now I need
to focus on my career, finances and my new home.
As for my home, I
have been sleeping on a couch for the last four months, but today I will be
picking up a twin bed w/frame for $40 plus a sheet set, but those are only $9.99.
My bedroom was being used as a storage
place and frankly, I am tired of it. Tired
of sitting and sleeping on my new couch, I just want a bed, no matter what
size!!!! The twin bed will suffice until
I can save enough money for a brand new bed later on in the year. A
nightstand is the last thing I need for my bedroom and the woman I am picking
the bed up has some nightstand for sale between $10-$20 and that is right up my
budgeting alley. I am attempting to
minimize my belongings and will be purging this weekend and setting up my
bedroom. Plus we are forecasted for snow
and rain, so this is a good weekend for a job like this!
My finances have been out of control; when I
moved into my new home, I had to come up with $2,240. That would have been fine but I was just
spending money on going out to eat and stuff I did not need. So I took out a payday loan and I need to pay
that off ASAP. Payday loans are only
good if you plan to pay it back within a week or two. The only payday loan that is actually
responsible is 247Greenstreet; the interest rate is 20%, but if you were in a
financial bind this is the only short-term loan I would recommend. Over the weekend, I need to take a serious
look at my debt. Currently I am around $16K and I would love to have that paid
off in the next two years. When I was
laid off I did okay for the first six months, but after that, I lost my unemployment
and all my credit cards went into collections.
The only debt that did not was my car loan and I am behind on that as of
today. So I must make a three-month
financial plan, that’s right it’s a short one, baby steps is the way I am
heading back to financial freedom.
I am currently
employed, but I am not a fan of my job.
I would like to find a new one, but that is a slow process so instead of
complaining about the current job, I am going to put my best foot forward and
do my best. However, since I have a lot
of free time, I am thinking about picking up a weekend part-time job. This would help with my weekend boredom and I
can make extra money. I have applied for
a weekend administrative assistant and if the roads are not bad on Saturday, I will
apply at a banquet hall for a weekend server position.
So for now I am
rummaging through my belongings and I have made $42 selling some items and
today I will make another $60 selling the rest of these items I found. I also will be selling my Kindle Fire and a
second couch that I don’t need and only is being used as a clothes bin. I am hoping to make at least $200 off these
sales. I am hoping to find more unused
items to sell; it’s like having a virtual garage sale!
Happy Weekend…Financial
Slacker Chic out…
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