For the past week or so, I've been pondering everything!!!! And thanks to Imasaver and I-78's blogs, I've learned a lot to help me on this journey. First, I'm going to be e-mail Imasaver about the surverys she does....$10 here and there helps quite a bit and adds up. I-78 mentioned a book, "All Your Worth"--so instead of buying it, I went to the library this weekend and grabbed it. I'm halfway through already. The book states that a healthy financial balance to life is %50 (of your income) Must-Haves, %30 wants, and 20% savings. The book gives you a few worksheets to calculate what your balance is, and sadly enough, my balance as it stands right now, is 74.5% (ouch), Wants %16, and Savings 9.5%. Obviously, I've got a lot of work to do, and a long way to go, but I have to understand that it can't be done in one day. But I've got to start somewhere. I've got a car loan (which I don't pay interest on, thankfully), that I pay $100/month, and I have a $900 balance. If I get a part-time job, that's getting paid off sooner than 9 months. Today, I'm going to shop around for cheaper car insurance (I paul 277/month for full coverage on two cars). It went up from 187 to 277--no clue why!! And then I'm going to look at a cheaper cell phone plan with the same company since I'm under contract. And of course, homeowner's insurance. So, we'll see what I can figure out.
Also, yesterday, I spent NO MONEY!!!! I put $2.00 in the jar since I didn't buy coffee. My hubby however spent $15.00 ($10 for gas, $2 for coffee, $3 for beer). Not bad for one day!
Eye openers
March 7th, 2007 at 01:44 pm
March 7th, 2007 at 02:41 pm 1173278468
Also send me your name and e mail address and I can get you into NFO mysurvey. My e mail address is juliedenski @ yahoo.com. (just leave the spaces out) Good luck!
March 7th, 2007 at 03:05 pm 1173279903
March 7th, 2007 at 03:36 pm 1173281788
And Aleta, thanks for the tip--another book for me to check out. This is kind of fun because I'm a bookworm so it gives me something to look forward to on my Sundays!!
March 7th, 2007 at 07:03 pm 1173294187
March 7th, 2007 at 11:02 pm 1173308530