mY bAD!!!

Holy Baby Jebus! I have been so caught up in my work that I have failed to post! Not a good plan!

Things at work have been super busy and soon my hours will be changing to 5am to 2pm. I started this week working out a schedule and seeing what time was good to go to bed and if I could even wake up at 3am. Indeed I can! I should know within a couple of weeks if my schedule will change. Until then, I am going to keep the schedule and get as many of my overtime hours in so I don’t have to spend another Saturday at work.

This last bout of depression and learning that my adrenal system is wonky (wonky is a medical term!) has made me into a lump. I know that I will get better but it’s doing me no good to sit on my ass and wish it away. I need to be healthy! Damn it Woman, take a vitamin, go for a walk…DO SOMETHING!

Oh, and another thing. Why is it that inspiration hits when I am trying to go to sleep!? I have a creative idea brewing in my head right now and I am working on the details! I would like to see this come to fruition! It’s not often that I actually feel that I am good at something but I may have found something that even I can’t fuck up!

The holidays are coming on fast. Soon I will be hosting my family for Thanksgiving dinner. We are having Cornish Hens, I refuse to cook a turkey…I hate turkey! What is more exciting is that I get to spend it with my family!

I guess I should figure out my grocery shopping for the week and plan out my weekend.

au revoir

TaLly Ho!

I put pencil to paper yesterday and listed the expenses for September. This is only on items I spent with my debit card. This months challenge will take into account my daily spending (cash and debit, etc). It gets the categories started.

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I have only two cash only categories in affect at the moment, groceries and utilities. I found a great wallet for my envelopes, I will share once I have things set for November.

Accountability is hard!

ReCYclE!

So it is time for a new monthly challenge. This month it is going to be working on a financial situation. I am over my head financially and have decided to take the bankruptcy route. I have made every effort of pay donthlown my over $50,000+ of debt. It has been a very slow process and is causing a lot of depression in my life. I am going with a Chapter 13 for a couple of reasons. One, I have to, I am in that income bracket. Two, I still get to pay people back. It is a structed payment to all those folks I owe and they can’t call me and ask for more.

Bankruptcy

 

This is a decision I have agonized over for about two years. My goal this year was to paydown as much as I could but it just seems so overwhelming. I have an addiction issue with money and it has gotten me into big trouble. My promise to myself this year was to learn to do things differently. This includes with my money. I know that not alone with this issue and I am finding a support group to help me deal with this. Let’s be honest, addititcion happens with everyone (shopping, smoking, sex). This is my reality. So Red, whatcha gonna to do bout it?

My monthly challenge for October is to write down every penny I spend. Thanks to a free Android app called Hello Expense, I will be able to catergorize my daily spending. This will be the basis to creating a much improved budget. I also know that I will have to account for my spending with the courts so it is better to start now. Being accountable for my money. Yikes! If you need some pretty envelope’s, check this out.

Today’s goal is to create categories. Starting with a printout of my last months bank statement, I will be able to get a picture of what I am spending on. Then, in November, I will combine this months figures an create a better budget. I am going to go with the envelope system as it a cash based system. This will also bring a bit of reality to my situation…if there is no money in the envelope…can’t spend it…right??

So Money Monday’s will return, I will account for my spending and be able to show my progress. The good and the bad.

What budget system works for you? Have you used the envelope system??