I am way behind on this at never mind how old I am. It is time I stop letting things interfere and begin figuring out how much money I'll need when I can no longer see my screen to work. What would I need to survive if I lost all of my income tomorrow? Let's go over the numbers.
It's almost Christmas once again, but that's not what I'm attempting to save money for at this time. My savings goals are much bigger. In putting this post together I ran across one from 2011 that seems to fit with I am aiming for so I included it. The different colors are the notes and updates that are current, and today's post.
I am looking through old blogs and finding posts that relate to my current situation. This post from October of 2012 reflects how gas prices were at the time. Currently they are about $2.55 a gallon on average.
I am looking forward to a visit from a friend, and have been for months. It is that or I take a trip to visit. I'm sure about how either of these things will work out but I'm in the process of attempting to find out. There is a lot to do in order to prepare, but I am at a lost when it comes to starting.
My income has become less consistent in the last few months. It is to the point where I am skipping things just to make ends meet. I am actively searching for work, any work to keep my head above water. The results so far are almost non-existent.
Things to Take Care OF:
Increase my income
Stock up on food so that we have enough to cook specific meals while they are here.
Save enough for a couple nights in a hotel room in the event that I go up there.
Make a schedule and get more organized for productivity.
How am I increasing my income?
I have put in a couple of applications at writing sites, and am using sites that I used years ago. The problem when you do not use a skill it is possible to lose it, or lose confidence in your ability. I am working to get my skills back to where they once were so I can once again make a living from home and actually cover expenses. I am currently working every angle possible including this website. Schedule and Organization
My daily schedule looks like hours full of cleaning, working and looking for work. I am slowly but surely meeting my goals. My day is broken down by my goals. This makes it easier for me to focus on what is going on around me.
This site came together out of a need to organize past, present and future. I have neglected and put off actually completing a website for years. There are several reasons for this:
Fear that I could not get it put together on my own.
The lack of motivation because I was working for other people and afraid of the income loss as I put it together.
I had (still have) a few of the upkeep. ( I am slowly getting over this.)
In working on this site I have been going through and transferring some posts on inactive blogs and deleting them. I ran across this post today:
Looking Back to November 5, 2013 Emergency Savings OK I have a need for emergency savings in a large amount rather quickly. I estimate I need up to $200 a month for the next six to seven months cut from my budget in order to get what I need accomplished. That's a tall order for my budget at the moment. Additional Costs The vitamin D at the moment, only $5 per month. Figuring out when to the her vitamin D checked is difficult. I believe they are out of school the 12th so I will call to see if I can get her in then, or on the same day as her next dentist visit. That's the week of thanksgiving. *These goals were not met at the time due to circumstance and interference beyond my control. Alternatives: I am seeking supplements in gummy form especially the fish oil. I am figuring my budget and looking into redesigning my blogs. I think pages on a single blog instead of multiple blogs will be better. I just have no idea how to go about moving previous post to the new website. Getting Rid of Luxury: The cable has been off for at least a year. When I cut it off ignorant people asked why, as if I could eat the shows that came on. The cutest part? This person makes less than I do, lives with their mother and pays no bills. They simply spend money partying, borrow money to party and cater to their teenage daughter. I find it rather amusing, they were considered mature at 14 for doing every thing but what they should do. *Some people never change, or understand that do not know everything about you without being you. There are those who will try to control your budget based on what they want. Do not allow them to influence you.
Strangely I take pleasure in knowing that I am nothing like them. Well, it's Sunday, I need to read and spend some time with my kid while she is being a little angel.
Thinking About it Now
It is strange to me how I no longer know what it is that I need to make up deficiencies in the budget or how much I need to save for emergencies now. I know what I need to cover the basics but those aren't all of my bills. The basics are rent, lights, phone, internet (I work online) and food. They may be a couple small bills I left out but those only come to $20 together.
The light bill is in my control some days. There are a few lazy habits that I need to work on changing but for the most part I am doing pretty well controlling what I do. The air conditioner is probably my biggest cause of increased light bills because I don't want it to be as hot inside as it is outside.
I have a lot to do and I'm still confused as to how to go about it, but I find it odd that my life is truly going in circles.
I was looking through posts from 2012 and came across one talking about the price of gas. During September of 2012 prices were at 3.50 a gallon on average. Right now it's about 2.50 a gallon on the low end of the price range. That's out of my budget range, but we will make it work. Let's figure out how we are going to achieve making it work.
It is time to examine the budget again. It is time to determine what can and cannot be controlled. In recent years it has dawned on me that I there are times when I pay more attention and exercise more control over my budget than others.
I began wondering why this was. I also wanted to know when it was so I began to examine those things which I can and cannot control.
Reading is something that I enjoy a great deal. I also want my child to enjoy reading and that is difficult considering that she is hooked on electronics. She is to the point that she mostly reads signs, rules and instructions which is actually a good trait. Her reading comprehension is fine as long as it is something she can follow, when it comes to tests at school they are read to her and she is given choices for the purpose of getting them completed in a timely manner. I just don't have a fortune to spend on reading materials.
The light bill I paid this month was $118.30, now it's time to lower it. That is out of my budget range at the moment. Let's examine the difference in previous bills and how I can lower it back to those amounts. It's going to take a little bit of work but I can do it.
Yes, all those things have to be purchased. They are not cheap. We have to get a nice little stock built up so that we can save some money during the school year. Not one of those it's taking over my house stockpiles, just enough so that I don't have to go to the store for the same thing repeatedly. Pull-ups are hard to stock up on because of the initial expense and the fact that the child is still growing but I know people that could use them in the near future.