A Factory Working, College Grad Getting Out of Debt

Posts tagged “april 2013

Goal Achievement Report – April 2013

Alright, let’s see what I was able to accomplish!

Money Goals

  • Find a few ways for this Rainy Day blog to make some funds, however small it may be…
  • Find a new way of making money.
  • Finish last commission on list and take new ones (5).
  • Sell unneeded items on ebay and amazon to make extra $.
  • To make enough money this month to pay my car payment ($301) AND half of my June car insurance money.
  • To spend less than $100 on me.
  • To find a job.

Watching the comic book shop for my friend went great!  In fact, I was able to save over $90 worth of comic books thanks to my great friend and the deal he offered to me.  In case you’re reading this, thanks again so much!  I think that although I wasn’t being handed cash, this qualifies in finding a new way to make some monetary gain as I am completely square with my subscription list now at the comic book shop. While I was there, I was able to finish my last commission and will have it sent out to my buddy in Baltimore by the end of this week.  I want to be sure that I scan it and add it onto my online portfolio.

Sadly, Amazon and Ebay have been very neglectful to my piggy bank this month.  To give you an idea, only 5 items sold from my Amazon shop in the past two weeks.  That’s it!  Man is it driving me nuts!  HOWEVER! I only $79.21 this month!  That means I was under my $100 goal and all is well!

I also have an interview on Monday for a potential lucrative job, and was asked for further information from another possible employer this week as well.  So.. keeping my fingers crossed!

Rainy Day Goals

  • Convert my brother’s, my guy’s, and my own music to the existing external hard drive for easy access.
  • Organize my dvd/blu-ray collection.
  • Get rid of at LEAST 20 items this month, via selling, donation, or throw-away.
  • To continue organizing my room for optimal business format/personal use.
  • Hack my journal into an accessible planner/organizer.
  • Go through my books and see what items I will sell/donate.
  • Start to get the house ready for a graduation party (my brother’s).

The only one that has been done on this list is the last one.  I’ve been so dedicated to cleaning, organizing, and painting to get ready for the graduation party that I haven’t done much else.  A lot of household chores are getting done instead, and a lot of my own “goals” are falling to the wayside.  Perhaps I should do something about this?  Spend 30 minutes every other day on one of these goals next month?  What do you think?

Personal Goals

  • Continue the MWF posts for Rainy Day & Gamer Talk.
  • Add a Paypal button for tips or purchases on this blog and Gamer Talk for donations.
  • Create logos/banners for both blogs.
  • Add artwork to various art sites and sell my artwork online.
  • Continue my art blog.
  • Refine my gamer podcast and restart it.
  • Participate in Move Your Ass Challenge
  • Blow my 100 mile goal for MYAC out of the water.
  • Lose 20 pounds.

I’m participating in MYAC, and man, that 100 mile goal was unrealistic for the first month.  I will honestly be happy if I get to 30 miles at this point. I think next month I’ll move it to 45 and we’ll progress from there.  The pounds aren’t necessarily shedding either, but the inches seem to be.  My clothing feels just a little bit looser, and I can comfortably be in my bridesmaid dress.  I have to kick things into gear though on the rest of this stuff.  I think that my weekly goal of mowing the lawn will be a big kicker for me in the exercise department as we have a big enough lawn that it takes me about 4 hours to mow.  I’m hoping I can shave that down to 3 1/2 next week depending on the heat.

Well, it seems I’ve been really lazy when it comes to my own goals, but when it comes to the house, landscaping, and prep for graduation party, I’ve been rocking it.  Now if only I could start getting these pounds to shed…

What should I add to my goal list?  Am I being a little too optimistic in trying to get a bunch of things done?  Of all of the ones I did NOT finish, which one should I crack down upon and accomplish in May?

Count those Raindrops!

DecMeadow


Progress Report – Goals for April 2013

In an effort to keep myself accountable, here I go in seeing what goals I have accomplished, what I still need to do, and which ones should be moved to next month.

Money Goals

  • Find a few ways for this Rainy Day blog to make some funds, however small it may be…
  • Find a new way of making money.
  • Finish last commission on list and take new ones (5).
  • Sell unneeded items on ebay and amazon to make extra $.
  • To make enough money this month to pay my car payment ($301) AND half of my June car insurance money.
  • To spend less than $100 on me.
  • To find a job.

Alright, although I haven’t found a new way to make money, I was offered a chance to work for my comic books by watching the store and manning the sales while my friends are up at C2E2 this weekend.  I’ll be able to catch up on my subscriptions, and this will give me the future opportunity (perhaps) to do this more when my friend needs me to fill in for him and an easy way for me to save a little extra money while I’m still unemployed.  Unfortunately, there is just not a lot of things that are selling ebay and amazon right now.  February was a whole different story, but now that people are no longer getting tax checks and instead are making tax payments.. I’m not having that much business.  I’m hoping it will pick up in May and June.  Still no job, but so far, I’ve spent very little money on myself this month, and I’m hoping to keep it that way..

Rainy Day Goals

  • Convert my brother’s, my guy’s, and my own music to the existing external hard drive for easy access.
  • Organize my dvd/blu-ray collection.
  • Get rid of at LEAST 20 items this month, via selling, donation, or throw-away.
  • To continue organizing my room for optimal business format/personal use.
  • Hack my journal into an accessible planner/organizer.
  • Go through my books and see what items I will sell/donate.
  • Start to get the house ready for a graduation party (my brother’s).

The only one that has been done on this list is the last one.  I’ve been so dedicated to cleaning, organizing, and painting to get ready for the graduation party that I haven’t done much else.  A lot of household chores are getting done instead, and a lot of my own “goals” are falling to the wayside.  Perhaps I should do something about this?  Spend 30 minutes every other day on one of these goals?  What do you think?

Personal Goals

  • Continue the MWF posts for Rainy Day & Gamer Talk.
  • Add a Paypal button for tips or purchases on this blog and Gamer Talk for donations.
  • Create logos/banners for both blogs.
  • Add artwork to various art sites and sell my artwork online.
  • Continue my art blog.
  • Refine my gamer podcast and restart it.
  • Participate in Move Your Ass Challenge
  • Blow my 100 mile goal for MYAC out of the water.
  • Lose 20 pounds.

I’m participating in MYAC, and man, that 100 mile goal was unrealistic for the first month.  I will honestly be happy if I get to 30 miles at this point. I think next month I’ll move it to 45 and we’ll progress from there.  The pounds aren’t necessarily shedding either, but the inches seem to be.  My clothing feels just a little bit looser, and I can comfortably be in my bridesmaid dress.  I have to kick things into gear though on the rest of this stuff.

Well, it seems I’ve been really lazy when it comes to my own goals, but when it comes to the house, landscaping, and prep for graduation party, I’ve been rocking it.  Now if only I could start getting these pounds to shed…

Wish me luck!

Count those Raindrops!

DecMeadow.


Goals for April 2013

Now that the winter blues are out of the way, I feel like I can get a lot done this month! Hopefully that’s the truth because I have a hefty amount on my plate.  Eep.. I’m already feeling overwhelmed just thinking about it!  Have any encouragement or experiences in cases like these?  I would greatly appreciate it!  Okay… let’s begin, and I’ll show you what I’m talking about in the means of overwhelming.

Money Goals

  • Find a few ways for this Rainy Day blog to make some funds, however small it may be…
  • Find a new way of making money.
  • Finish last commission on list and take new ones (5).
  • Sell unneeded items on ebay and amazon to make extra $.
  • To make enough money this month to pay my car payment ($301) AND half of my June car insurance money.
  • To spend less than $100 on me.
  • To find a job.

Rainy Day Goals

  • Convert my brother’s, my guy’s, and my own music to the existing external hard drive for easy access.
  • Organize my dvd/blu-ray collection.
  • Get rid of at LEAST 20 items this month, via selling, donation, or throw-away.
  • To continue organizing my room for optimal business format/personal use.
  • Hack my journal into an accessible planner/organizer.
  • Go through my books and see what items I will sell/donate.
  • Start to get the house ready for a graduation party (my brother’s).

Personal Goals

  • Continue the MWF posts for Rainy Day & Gamer Talk.
  • Add a Paypal button for tips or purchases on this blog and Gamer Talk for donations.
  • Create logos/banners for both blogs.
  • Add artwork to various art sites and sell my artwork online.
  • Continue my art blog.
  • Refine my gamer podcast and restart it.
  • Participate in Move Your Ass Challenge
  • Blow my 100 mile goal for MYAC out of the water.
  • Lose 20 pounds.

Wish me luck!

Count those Raindrops!

DecMeadow.


April 2013 Bills Breakdown

Another month of bills, yay.  Last month I continued my path in keeping my budget low and unfortunately that did not work out this time around.  Most of it was spent on food that would be helping me in my endeavor on my weight loss as well as getting me organized.  Another $150 was spent on a bridesmaid dress which I had anticipated.  I had no luck on selling items on ebay, but that doesn’t mean I’m not going to stop trying.  I’m anticipating putting on another 10 lots of items here either this past week or the coming next.

Car loan: $2,978.63. I’m going to keep the low payment in order to continue the ability of paying off part of my student loans… so this month’s payment will once again be the small amount of $261.00.

Credit Cards: So I’ve said goodbye to two credit cards since I started this, and I also recently found another grey charge and cancelled it from one of my credit cards.  I’m hoping I’ll see reflected in the statement next month, but I’m sure it was a little two late when I cancelled for it to be shaved off the bill this month.  Either way, I’m happy I saw it.

  • Solidarity Visa: $2489.00  Minimum payment: $30.00. This month’s payment will be $30.00.
  • Chase: $1323.54  Minimum payment: $26.00.  This month’s payment will be $28.54.
  • Pay Pal Bill Me Later: $1816.75 Minimum payment: $51.00. This month’s payment will be $51.00. 
  • Amazon Store Card: $822.53  Minimum payment: $35.00. This month’s payment will be $42.53.
  • DressBarn Store Card: $388.59  Minimum payment: $25.00.This month’s payment will be $25.59.
  • Best Buy Mastercard: $88.08  Minimum payment: $15.00. This is still the card that I am eliminating, so this month’s payment will be $88.08. Good bye!

Total Credit Debt: $6,928.49   Total Payments: $265.74.

This is compared to last month’s credit debt of $7,036.37  and total payments of:  $237.39, which means my debt went down $107.88!  Yay!  It could have been more, but because of the expected finances that were going to be happening last month, I played it safe with minimum payments. PLUS, this month I was able to eliminate the Best Buy Mastercard! That makes it three down and five to go!

Student Loans:

ECSI: $600.00  Still in grace period.  However, I am going to be putting a payment of $50 on it.  With the fees, that will equal $51.95.

Direct Loan:  $18,862.74  Still in grace period.  

I’m still unemployed.. So these are in the works of trying to be deferred at this time.  I’ll let you know if I succeed on that plan.

Other anticipated bills this month:

None thankfully.

Complete Total Debt: $29,369.86 Total Payments: $578.69

This is compared to last month’s $29,772.38 debt total and $550.34 in payments.  That means in total I have decreased my overall debt by $402.52!  I’m happy! I wonder how well I’ll be able to follow my $100 budget this month.  I’m still looking for a job, but I’m hoping things will pick up via my ebay and amazon sales this month to make up for some the strain on cash I sense I’m going to be feeling here soon as June gets closer and car insurance is due.

Please let it rain!

DecMeadow