Learning Curve on Finances
Tuesday, January 13, 2009
I have just finished paying my bills for the month. I have gone through the TV bill with an eagle eye and have determined that they didn't screw me as I first had though when I opened the bill. Hopefully all will be 100% normal next month! I am still scratching my head as to why my car insurance still hasn't come out of my account and why my Curves auto-payment hasn't come out either. I'll give a few more days and then get to the bottom of it.
Either way I have f**k all left in the bank to last me the month. I have enough money to get gas for the car and a few more groceries but that is earmarked for fresh produce only. This month has been particularly hard because my annual college of teachers fee has come out and it when up by $16 from last year. (Fascist bastards!) And I just got my water and sewer bill which comes 4 times a year and the due date is for Jan 30th. Couldn't be for Feb 2nd. Oh no no... Jan is determined to see me cry because I have no money. But now, all my bills except those 2 missing payments have been made.
For the decent salary that I make, I am just making ends meet. Gotta love being single and paying for it all. And no tax breaks for me either. Oh no... I don't do anything for increasing the population so no breaks. (Fascist elitist government!) I have so many deductions off my pay cheque that I cry every time. Well figuratively that is lol I am living to hand to mouth right now and it's not right.
So needless to say, I am learning to cut back on much spending. My library has been visited by me several times lately, even though I want to buy some more books for series I read. I'll have to ask for a gift card from Coles for my birthday. I want nothing else. No clothes, no decorations. Just money for books.
The blinds on my windows that need replacing will have to wait. Maybe I'll learn to sew this summer and make curtains instead. Mich and I have a friendly competition for weight loss to end the last day of school. I haven't got the heart to tell her that I can't afford to stay in the game because if she wins, I can't afford to give her the money. If I win, she can't afford it either!
Learning curve... I am learning to not buy books. I am learning to tell my colleagues no, I can't go for lunch this week/month. If I do, then it has to be McPuke's because all I can afford is a chicken wrap. No movie rentals (which I really don't do anyways and thankfully, the movie I rented Fri night turned out to be free!!!! yay!), no theatre trips this month (sorry Michelle and Sheila!) and you guessed it, no more junk food.
See? I can find something positive out of all this! As much as I want that junk, no money. So if I have any junk, all I get is popcorn. And yes, I even bought the cheaper orange juice too! And no more letting fresh stuff go to waste in the fridge. I have to eat it because I can't afford to buy more only to have it go to down the tube.
I am learning. And I think others are learning along with me when I tell them, I'm sorry but I can't.
Next month will be better at least. No water/sewer bill and no college of teachers fee. Hmmmm I wonder if my massage therapist will accept a post-dated cheque?
Now aren't I a Smart Cookie? ;) Yes, I have admitted that financially, I could be better. But at least, I'm not that bad off either!
Check out the Smart Cookies website! They even have a book out! and a TV show too!