Minor Setbacks: Financial Edition

A shop window advertising payday loans.

I haven't went this route...that's something to be proud of...Image via Wikipedia

As you know, I have quite a few goals that I want to accomplish this year under the banner of balance. One is to get my finances in balance. The month of February is proving to be especially trying for me in several areas, but none more so than the financial one.

Let’s start with the good news. I haven’t had a cash advance since November. Even though my car is on E and I still have a two days until I get paid, I’m proud of myself for not giving in and going the payday advance route. Another plus is that I’m caught up and current on all of my monthly bills (except one–more on this later) and found out that I’m able to pay all of my bills out of my 8-5 job’s checks, which means I can actually make progress with my additional checks from consulting.

February has more expenses for me than most months, as it is my birth month, the month my car insurance has to be renewed, and etc. This year is extra tight because of the bill from my old apartment complex for the money order they lost. Here’s all the extra I have to come up with: car registration money, $40 extra to renew insurance on my car (what the fuzz? Why did my insurance jump? I need to switch :-(), 1 extra student loan payment to bring me current (some mix up with the pin number for the website, then general procrastination and pinching off the money for other things), hygiene products (first time running out since the move), and the old apartment bill ($550). So, my extra money for my consulting, plus the extra money for doing TRIPLE the usual work for consulting, plus birthday money, plus editing my dad’s book money are all accounted for, and then some. Happy birthday to me! 😦

However, with a little hard work, I think I can come out of this month firmly on track and making strides for a better March financially.

As for other goals…more on those later.

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