New Year. New Me.

I am planning on making some real life changes for the year 2009.

1st - I registered for two classes (Math 1218 & History 1140) College MATH! WOOT-WOO! After these two classes (as of Summer 09), I only need 15 more credits, which one more Sociology/Humanities classes and the rest 10-12 credits of elective courses.

Only 15 FRICKIN MORE CREDITS!! I NEVER thought I would get this far!! As you can see how excited I am to take college math, this is my 4th math class, and the ONLY one I'm getting credit for, the rest were all zero level :(

But so 15 credits left x $108 (tuition) = I am $1,620 away from achieving my AA.

I just never thought I could do this.

So there is Summer 09 and Fall 09. I could take like two elective over summer (6-8 credits), then fall a humanities class (3-5 credits) and then one more elective class.

So I think I should graduate after Fall 09!! Wow.

So this is really my biggest goal for 2009. If I can acheive this, I can really do whatever I want.

But so to get me to this point ($1,620), I need a plan.

My current wage breakdown.

Takehome Pay is $658.91 / wkly (which includes $75 of savings & $25 Flex Spending - out of sight out of mind - I used to take this out monthly to pay my AFS payment.)

$658.91 x 4.33333 = $2,855.25 / mo


$2,855.25
-1,245.00 Rent
- 500.00 Car Payment & Insurance
- 300.00 Utilities
810.25 Remaining
- 400.00 Savings ($100 / wk)
410.25 Spending / Misc.

So I will be saving $400 per month, then $400 from my check savings = $800 per month.

I will probably take Charlie's food out of my savings, if I need to, thats roughly $100/mo.

This also includes me paying the entire rent. My mom is supposed to pay $500, but with her unstable work and everything, I dont want to have to rely on that, but if she can pay $300 or something, thats great, I'll put that in my savings.

I finally feel like I have a plan, and that I may get somewhere.

What I really want to do is be able to open a high intrest rate savings account. I applied at Etrade which has one, but I was denied. Hello its for savings, not a cc. It just really sucks earning like 0.2%.

Ok, so that is my plan of action for 2009.

1. Finish remaining credits for my Associates in Art.
2. Really, really save money; then disperse for emergency fund ($3000-5000), and goal savings (school, vacation).

Oh, I would also LOVE to get a 2nd dog this year. But I dont think we will until Mom is in a full time position. And can rely on her paying $500 rent.

Case of the Mondays!!

Its Monday...again!!

I still cant figure out what is going on about my garnishment. I have not received anything, work hasnt gotten anything! But in the meanwhile, I am being garnished $150/wk, and as of Wednesday this week (10/29) my total will be $3,000!! Yes, just sitting in Donna's checking! I cant beleive it.

Just take my money and let this be over with.

I know i am not alone in this horrible money spiral, but I wish someone would help me! Just dunno what I'm supposed to do anymore. I'm at my witsend.