(no subject)
Today, I am working on my finances.
I used to really enjoy managing my money. I kept everything up to date in Quicken, and though I only had one actual checking account, I had money in four virtual accounts that I tracked separately on my computer, putting money aside for things like monthly expenses (a percentage of each paycheck went in there and it covered all recurring expenses without having to worry about them), general savings, and even a trip to Europe (that didn't happen due to being laid off). I shopped around for a bank with a good interest rate on a rewards checking account and considered buying things like CoDs (which I never did because the interst rate on my checking account was better then even a five year certificate!).
Since being laid off, I haven't been doing that sort of tracking. It always seemed kind of unnecessary. I was getting a severance payment and unemployment money, and then I worked part time for a friend from work on his computer resale business, but it was a much smaller income than I'd had in the past, and I just put it all in the same place and was quite the penny-pincher with it. I really missed watching the money in my savings slowly and steadily increase and feeling like I was being smart.
Now that I'm going into my second year of school, my income for the year prior is low enough for me to be eligible for more financial aid than last year. (That's fortunate, as without being able to stay at my parents' house for free, life would have been a lot harder last year.) I'm also working here at the help desk, and I hope to continue my employment at the art gallery too. I actually have something of a steady income that I can make plans and budget around again, and it's high time I did so.
I've been hesitant in the extreme about saying anything public about it, but I made a very large photo sale to a company that's going to be using one of my photos in advertising world-wide. I'll share more details about it later, but I received a significant amount of money from it, and I think I've been a little too ambitious in thinking about what I want to do with it. I've been a little more ready to eat out with my sweeties than I was before, or to take long trips, or to buy silly things like unicycles and rola-bola parts. Today, I'm creating a rational budget and will begin restraining myself a bit more.
I'm working 12 hours a week at Parkside at $7.50 an hour. Balancing that against recurring monthly expenses, I really only have in the neighborhood of $100 to spend freely in a given month. Out of that money, things like savings for potential car repairs or other unexpected things ought to be coming.
I'm considering applying for another part time job over the Summer. Part of me thinks I probably ought to. At the same time, I know I have enough money to get by to the start of school, and I have access to considerably more financial aid for this coming year than I did for last year, so things will be at least as comfortable for me as last year, and more so than this Summer, once September comes around.
For now, I'm going to start up Quicken again with a blank slate and start over tracking my money and what it's going toward. I'm going to create a budget for myself and start planning my visits to sweeties, photo trips, and other activities in such a way that I will stick to it. Though I'll still have to spend some money on gas for my trip to Detroit this weekend, I may have to cancel my tentative plans for a trip to Duluth later this Summer.
I used to really enjoy managing my money. I kept everything up to date in Quicken, and though I only had one actual checking account, I had money in four virtual accounts that I tracked separately on my computer, putting money aside for things like monthly expenses (a percentage of each paycheck went in there and it covered all recurring expenses without having to worry about them), general savings, and even a trip to Europe (that didn't happen due to being laid off). I shopped around for a bank with a good interest rate on a rewards checking account and considered buying things like CoDs (which I never did because the interst rate on my checking account was better then even a five year certificate!).
Since being laid off, I haven't been doing that sort of tracking. It always seemed kind of unnecessary. I was getting a severance payment and unemployment money, and then I worked part time for a friend from work on his computer resale business, but it was a much smaller income than I'd had in the past, and I just put it all in the same place and was quite the penny-pincher with it. I really missed watching the money in my savings slowly and steadily increase and feeling like I was being smart.
Now that I'm going into my second year of school, my income for the year prior is low enough for me to be eligible for more financial aid than last year. (That's fortunate, as without being able to stay at my parents' house for free, life would have been a lot harder last year.) I'm also working here at the help desk, and I hope to continue my employment at the art gallery too. I actually have something of a steady income that I can make plans and budget around again, and it's high time I did so.
I've been hesitant in the extreme about saying anything public about it, but I made a very large photo sale to a company that's going to be using one of my photos in advertising world-wide. I'll share more details about it later, but I received a significant amount of money from it, and I think I've been a little too ambitious in thinking about what I want to do with it. I've been a little more ready to eat out with my sweeties than I was before, or to take long trips, or to buy silly things like unicycles and rola-bola parts. Today, I'm creating a rational budget and will begin restraining myself a bit more.
I'm working 12 hours a week at Parkside at $7.50 an hour. Balancing that against recurring monthly expenses, I really only have in the neighborhood of $100 to spend freely in a given month. Out of that money, things like savings for potential car repairs or other unexpected things ought to be coming.
I'm considering applying for another part time job over the Summer. Part of me thinks I probably ought to. At the same time, I know I have enough money to get by to the start of school, and I have access to considerably more financial aid for this coming year than I did for last year, so things will be at least as comfortable for me as last year, and more so than this Summer, once September comes around.
For now, I'm going to start up Quicken again with a blank slate and start over tracking my money and what it's going toward. I'm going to create a budget for myself and start planning my visits to sweeties, photo trips, and other activities in such a way that I will stick to it. Though I'll still have to spend some money on gas for my trip to Detroit this weekend, I may have to cancel my tentative plans for a trip to Duluth later this Summer.