Race for the Cure!

I am doing a 5k to raise money for Race for the Cure where I live. I haven't updated much, but feel free to donate!

http://race.komenwabashvalley.org/site/TR?pg=personal&fr_id=1030&px=1004348

Mini Win

My private student loan is now only a four digit number! Yay! $9769.97. This seems like a much more conquerable number than where I started.

There was a happy dance included with seeing this number!

Net Worth

I was looking at my NetworthIQ page, (that I updated today), and realized it probably looks funny that I am saving so much more than I am putting to debt. I have decided to save a little more in case I were to lose one or both of my jobs. If that happened, I have only myself to depend on. It's not as if I were married and someone else would have income.

Next month will show a more significant decrease in debt though! (Well, I hope it will. I have some weddings I am in coming up, and still have to pay for one of the dresses. Not yet sure how much that one will cost).

I can't wait until all this debt crap is done. I am tired of thinking about it!

Not Sure What I Was Thinking...

I don't know why I was wishing for November last month. Yes, October was a really bad month, but November isn't going to help anything. Nor is December. The last two months of the year get really lean. I lose hours because of so many holiday closings and breaks and things. I should be okay; it's just that I won't be able to pay as much to my student loans as I wanted to. I wanted to get my Sallie Mae loan below five digits before January, but now I don't think that will be happening.

For some good news, my birthday is this month! Yay!

October Sucks

This month is terrible. I had accounted for my car insurance and the doctor's visit that was going to have to happen this month. I knew I had an "extra" paycheck that would cover that stuff. I was so wrong.

I'm nearing $300 over my budget on things that aren't even any fun for me. There is no going out, no vacations, no extra food. Yet, I'm way overbudget.

Things I was not expecting:
expensive alteration to a dress
needing tires
updating license plate (should have thought of this one, but for some reason I didn't)

Things I should have remembered:
oil change
gas for my car for all the trips back and forth
wedding gift

After I pay rent, car insurance, cable/internet bill and my two student loans, I have $130 left over to pay the rest of the above. Sweet. Some of this stuff is already on the credit card. All but the tires will be on there soon. At least it gives me another month to pretend money will show up to pay for it.

Being broke is lame. Is it November yet?

Ahhh! Going back down

I didn't pay all of my bills last month before putting up the numbers. So, the "cash" category was a little inflated because I definitely didn't have that much money to just spend on random things. Oh, well though. The important numbers are there.

Actually, it's a little off balance anyway, because I've already counted the money as being out of my account to pay the student loans, but I didn't take that money off the student loan amount, because it hasn't shown up yet.

Maybe I need to rethink the way I do things. Either always pay them so they show up before the 1st of every month, or always pay them after the 1st. Hmmm...

Random update on life...

I've been in an apartment for a few weeks now and things are going well. There are only two things that bother me: One, I really should have been able to get a house, Two, this apartment is more than double what I was paying at the last place, and is about the same for what I'd be paying on a house.

Anyway, last month I didn't put anything into savings and that has been bothering me. I sent some off the other day, and it made me feel a little bit better. Although, I think having a real bed was worth the $200 I spent, rather than putting it in savings.

One exciting thing: I might start paying double to my Sallie Mae loan this month! I've run the numbers a few times because I'm just crazy like that, and I can make it work! I just can't decide if I want to do that or send some more to savings.