A Factory Working, College Grad Getting Out of Debt

Posts tagged “jobs

A Raindrop – Amazon Marketplace HURRAY FOR THE CHRISTMAS SEASON!

All I can say is that I am loving the Christmas season right now!  My Amazon Marketplace (which you can access here) is exploding with orders!  Just in the last three weeks, I have sold 110+ items!  That’s awesome!

Now my shop is more of a service honestly.  I sell all sorts of media including dvds, blu-rays, video games, pc games, console games, college textbooks, regular books, games, stickers, toys, whatever I can honestly for people and myself.  When I sell for others, I take a 20% commission fee as I have bulked out my shipping supplies and can save SO much money for others.  Right now, we’re rocking on the video games, dvds, and blu-rays.  So many season box sets are in my inventory and I can’t seem to keep them in stock right now!

Certainly fine by me!  If you’re needing an item, go ahead and check out my shop (DecMeadow’s Shelves) and see if anything interests you or can be a great gift for one of your family members!  Right now this is the biggest source of income I have due to my unemployment status and the more the merrier!

Make sure that you also take a peek at my ebay site as well.  I am trying to downsize on my collections and earn some extra cash to help pay for my bills.  And let’s not forget my art site!

If you want to insure that the item is received by Christmas, the last day to send out is December 19th!  So don’t delay!

Count those Raindrops!


P.S. Thanks for all your help and interest guys!  I really appreciate it 🙂


December 2012 Bills Breakdown

Alright, it’s bill payment time again.  These totals are as of December 1st, 2012.  The budget this month is simple: spend as little money as possible.  This is because I’m unemployed (like I haven’t said it enough???), and that obviously changes things a LOT.  Also, all of your comments and encouragement have been really helpful!  I’ll be taking some of your suggestions to heart these next coming months.  So… Let’s work this shall we?

Car loan: $4,031.46. This one does not need to be broken down.  The loan is through a credit union, and has slowly been paid off by adding an extra $50 onto the principle every month.   As discussed before, I will be doing this every month until it’s gone (or until I need to fund that extra $50 to say… my student loans). This month’s payment will be $301.00.

Credit Cards: Last month I revealed that I pay more than the minimum payment.  Some of you suggested actually using Ramsey’s snowball effect however and picking a card to eliminate right off the bat, working with the smallest balances first.  Well, that’s a great idea, but I still like to have a little more than the minimum.  So this month, we’re going to try something new.  This month, because I’m unemployed, I will only be paying minimum balance (except Amazon & Solidarity) and the oddball change and then putting a major chunk on one of the card balances to take a massive bite out of it.

  • Solidarity Visa: $2604.85  Minimum payment: $0. This month’s payment will be $25.85.
  • Chase: $1354.07  Minimum payment: $36.00.  This month’s payment will be $36.07.
  • Pay Pal Bill Me Later: $1907.11  Minimum payment: $51.00. This month’s payment will be $51.11
  • Best Buy Store Card: $22.38  Minimum payment: $0. This month’s payment will be $0.
  • Amazon Store Card: $821.01  Minimum payment: $25.00. This month’s payment will be $41.01.
  • DressBarn Store Card: $429.19  Minimum payment: $25.00.This month’s payment will be $25.19.
  • Capital One:  $-25.80  Minimum payment: $0.  This month’s payment will be $0.
  • Best Buy Mastercard: $261.15  Minimum payment: $15.00.This is the card that I have decided to bite this month, so this month’s payment will be $61.15

Total Credit Debt: $7,373.96   Total Payments: 240.38.

This is compared to last month’s credit debt of $7,373.31  and total payments of:  $362.83, which means my debt went up 62 cents!  Crap!  Now, I have admittedly used my PayPal Bill Me Later account this past month for a couple of purchases (which is the reason you’ll see it’s actually larger than last month’s) but I have accounted for it in my budget, so no worries there.  Also, as I told you last Wednesday, I transferred the balances of my Capital One, Best Buy Store Card and a huge chunk of my Chase credit card to the new Solidarity Visa.  There were some fees in doing that, ($75.86 to be exact), so I anticipated this slight plateau in my journey to become debt free.  Also, because I’m unemployed as I write this, I am certainly glad that I made that decision a month ago to do the balance transfer!  Now nearly half my debt will not be gaining interest, and I can pay just the minimum balance and still be knocking it out at the same time!

Depending on how I do employment wise, these might change a bit during the month, and if so, I’ll be sure to update you.  I’d like to add the extra $120 that I usually have going to bills out this month to the Best Buy cards, but at this point, I have to find cuts where I can in order to be sure the January and February bills are paid before a tax return comes around.

Student Loans:

ECSI: $650.00  Still in grace period.  

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

For the month of December I am going to be allowing this grace period to do its job again.  I have way too many big bills in the month of December to be saving for to worry about the student loans at the moment, so I won’t.  I will be kindly nodding my head in approval to grace I’ve been given and just deal with the inner voice that’s frustrated that I won’t be able to work on these until January.

Other anticipated bills this month:

Automotive Insurance: $336.11

Complete Total Debt: $30,918.16   Total Payments: $663.83 + Auto Insurance = 999.94

Holy crap!  Nearly, okay that’s too close for comfort… $1000 for payments this month with no job income to be seen!  I need to find a job and quick!

Please let it rain!


Rain Drops & Jobs

Okay, so $32k in debt.  Good grief.  Most people would say they were doomed.  How exactly am I going to pay this off?  Well, this is where resourcefulness comes into play.  It’s where odd jobs, incentives, ad space on this blog, selling items, and other things come to help pay regular day life costs so that the checks that come in every week from work go straight to the bills.

I call them raindrops.

For after all, one raindrop may not make much of a difference, but a few hundred to a few thousand can be all that is needed to cause a flood.

Where do I get these raindrops you might ask?  Anywhere I can get them.  Right now I’ll reveal two of them to you.

Currently I am selling textbooks, records, cds, dvds, video games, you name it on Amazon.com.  I’m not just selling my stuff however, I’m selling other people’s stuff too.  I take a small 20% out as my fee and they get the rest of the money after Amazon takes its cut, and shipping and handling.  It’s become a good business on the side, and I hope to expand soon.

I work full time.  Just a couple of months ago, I took a promotion as essentially an assistant manager position, and with it came a $1/hour raise.  Not only that, but I get mileage for the all the out of town training that I’ve been doing in the last month.  Not too shabby in my opinion 😉  It certainly has helped relieve some of the stress.

That’s only a few of my raindrops, but now you might have a way of doing something yourself to gain a little extra cash for the holidays.