Tuesday, October 16, 2007

gettin thAngs in order

so here lately i have been trying to get some thangs in order

mainly my financial health, i must say that financially i have been rather ill for the past couple of what months, hell let's just say the entire year of 2007...

my money has been and seems to like to stay on the "funny" end of things and i am tired and frustrated so i have been looking at some ways to cut things back and pull in things so that i can stop over extending myself...

i love living alone and i want to continue living alone you dig, but in order to do that, i will have to make sure that i have all my funds lined up properly ya dig...so i can continue to do so
so let's look at the recent steps that i have taken to make sure that all is well in the land of TC

1. contact the credit card companies to get a lower interest rate and make sure that there was a proper payment plan to help me maximize my payments being applied to my account-this will save me about $150-200 a month

2. contacted Comcast to see what i can do about this cable bill, so i signed up for the Comcast Triple play, i'll now get my home phone service with them and keep my cable and internet...so that will keep my bill basically the same and save me about $70 a month in monthly home phone services

3. i have a nextel cell as well as a Verizon cell, and i am bout to just chulk up that $200 to get the nextel phone cut off, in the long run that is going to save me another $65-70 a month too

4. definitely about to start cooking more so that i only buy lunch 1 a week and dinner on Monday nights ONLY... that should save me $30-40 a week...

so those slight changes will allow me to save about $315-380 a month, which is what i need to save to prepare for the holidays AND prepare for my additional student loans that are going to kick in come January of 08

all by cutting some access fat from my budget...

its truly amazing you can feel when you make some changes and you KNOW you will see a difference in your monthly budget...and trust me its much needed...i'll feel a whole lot lighter...you know...a whole lot lighter

man this whole getting grown thang aint what its all cut out to be...i mean growing as a person and all of that is cool, but the day to day responsibilities can totally be overwhelming at times, especially when you are doing it by yourself, it can be hard...but you know you got to do what you got to do....

i was actually thinking about getting another truck, but that will wait until the spring of next year once i know what the lease office is going to do...i spoke with the property manager last night and she said she doesn't foresee an increase...so that's GREAT news and if they don't Imma stay put right where i am, because finding a nice place to live is not easy at all...

so my bills are paid, i am broke once again, but at least i can see the light at the end of the tunnel...and don't get me wrong i am GOOD place, actually GREAT...i just know that with everything scarifices must be made you feel me...

9 comments:

J said...

Your financial health is just a important as physical and mental these days.

T.C. said...

j i definitely agree with that, and if you are stressing over the financial health then you will definitely find that you have problems with the mental and the physical

j.a.c. said...

girrrrlll. financial health seems to be the big topic now-a-days! it's coming at me from EVERYWHERE!

Ananda said...

brava sistalove. you are doing your thang and inspiring the rest of us to do our financial health thang.

MysTery said...

Way to make it happen!!

Southern_Lady said...

Good job! Budgeting is the story of my life (and what I do for a living). I've been saying I will call Comcast and cut my plan down for two months.

Trapped-n-my-Thoughts said...

U r on the right track Tiff. I'm anal when it comes to my Finances, I save alot but I probably could save more. Its good o be sure to put that money in the bank & watch it grow(I would suggest direct deposit so u won't have to touch it). But, having money saved is a great thing...all the things u suggested is a great start. But every once & a while, treat yourself to something...cause u deserve it.

Deja~I~Am said...

I'm going through the same things... well obvioulsy not as much but responsibilities are starting to add up and its so hard. I hope it works out for you. Miss you. MUAH

T.C. said...

thank you all for your encouragement...