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Archive for January, 2018

Budget

January 21st, 2018 at 07:05 am

After all the unanticipated income chaos with the tutoring and subbing fiascoes, I am finally leveling out. I created a budget going forward. I anticipate this budget to run through August. My goal is to have my certification requirements completed over the next few months so I can seek a full-time position next school year.

The numbers are net and figured on the low end, as my income fluctuates. Any additional money I will put in savings.

VA work : $300

I am using this money to pay the credit card and my dad ($150). The remainder goes to savings ($150).

Subbing (figuring on 15 days per month): $1050

I am using this money to pay the rent, health insurance, electricity, internet and water.

Editing: $500

I am using this to pay the cell phone, car insurance, life insurance, renter's insurance and critical care insurance (I can't find a disability policy on my own, so this is the next best thing).

Mystery shopping and microearning (Swagbucks, etc): $750

The first $400 goes to gas, groceries, bus passes and entertainment.

Remainder: IRA (avg. $350)

Any subbing over 15 days goes to savings. This covers any months that fall under 15 days and the summer months. My student loans are on deferment until September. I plan on keeping the editing and still doing some shopping when I get full-time employment. I will then start paying off the loans aggressively (and boosting my retirement savings).

Another trip

January 20th, 2018 at 05:10 am

I went to my friend's memorial last Saturday. It was strange. There was a table with photos, but no one got up to speak publicly. It was more or less like a class reunion. I did not feel any closure. As a matter of fact, there is an investigation into the death based on how the body was found.

I am heading back to the Detroit area later this coming week. I am leaving Wednesday afternoon and returning on Sunday. My BFF and I have the same birthday, hence the reason for returning so soon. We are celebrating Saturday night (Bday is next Sunday) via a party at her house. I took a grocery store shop on Saturday and will see what I can provide for the party via that shop.

My bus ticket totaled $24.50. I will take the local bus to the Greyhound station (less than a block to catch that bus), which will be an additional $2.50 round trip. My BFF is picking me up and returning me to the Greyhound station. I will give her $10 for the gas. The trip will cost $37 round trip (200 miles total).

I lined up subbing while I am down there. Those schools pay $10 more a day than they do in this area, which is a plus. My dad always lets me use his car. I help them with errands/cleaning in return, so no cost there. The town where I will sub is next to my grandma's town, so I will visit her after school on Thursday or Friday.

Today, I am taking the free Walmart bus finally. I have $20 set aside for a gift for BFF. Otherwise, my only spending will be the butter I forgot the other day when I went grocery shopping. I will also finally use up my $10 off $10 or more at Staples. There is a fairly large shopping center connected to WM, so I can keep busy the full two hours until the bus returns.

On a side note, I also got my first letter from my son from basic training. He is doing well and was designated a leadership role.

I need to moving now that I have finished my coffee. I want to do a little editing and cleaning before I catch the bus at 11:30 AM. I hope you all have a good weekend!

Sad news

January 10th, 2018 at 07:54 am

My first crush and one of my dearest friends passed away unexpectedly yesterday. No cause is known yet. He just turned 48. I am devastated. Life is precious. Between the news from Thrift and this news, I am realizing this more now than ever.

This and That

January 3rd, 2018 at 07:20 am

I am trying to have a more positive outlook and nearly titled this "Can't catch a break" but decided to look at the bright side. My car has an issue and I believe it will need a new control arm (replaced one in the spring and was told the other should be done within the year). Well, it is now more critical. I wish it would have waited another month till I caught up. However, with my new outlook I decided to let it sit (although I will go out and run it) other than one trip tomorrow to pick up something I have to sign for at a particular post office not on the bus line (luckily it is only five miles).

I have two schools I can walk to for subbing. Also, I got contacted yesterday from someone I regularly did virtual assistant work for in the past. He wants me to work for him again. He was always kind and generous. I am happy to do this. We are working out the numbers, but this will be a HUGE help!

Snowflakes came up and I gave them more thought. I have the following to redeem:

-I have a coupon for free eggs at Meijer (will wait another week)

-I have a $10 off $10 or more coupon for Staples

-$10 Walmart gift card (from Cross Media Panel redemption)

I was going to ride the free Walmart bus today to the local WM and use the WM gift card and Staples coupon (same center) but it is extremely cold, and the bus comes two and a half hours after drop off. I really don't want to walk between all the stores to kill time. I am opting to take the bus to another WM and grabbed a Goodwill shop next door. The bus ride is $4 round trip (I will use the change jar for this). However, the WM is a half hour away, so it is a good deal and that bus runs every half hour. It picks up a 100 feet from me too!

I am going to try and go car free until late this month. I have so much close by and great busing, so it should not be a huge issue other than limiting where I can substitute. However, the two close by schools have given me a lot of work lately, and I can probably tell them the situation and get in there as often as I want.

I decided one of my personal goals for January is to put more effort into Swagbucks. I have a friend who made $107.70 last month. This was not with any purchases or surveys! She lets the videos run overnight and said it helps immensely.