Saturday, December 20, 2008

Where Does The Money Go

Pay Check 2 $1094

Expenses

Student Loan 2 $181
Amex $211
Visa 1 $70
Visa 2 $75
Internet/Phone/Cable $200
Cell $70
Electric $120
Stupid $34
Ex Boyfriend $50

Total $1011

Me Money $83

The student loan speaks for itself. I am snowballing my credit card payments, that is why the Amex gets $211 while the rest get a little over the minimum payment. As I stated before I live with my mother, I don't have to pay rent but I do have to pay Internet/Phone/Cable and electric. Not a bad deal. The $200 Internet/Phone/Cable bill can only be altered so much. It is a bundle and I think it is a pretty good deal. We keep a land line because cell phones don't always work (as I found out on September 11th.), I don't have a life outside of work so cable is a necessity, and I use the Internet for research and communication purposes. This bill can be lowered if I stop ordering movies. I plan on looking into getting a cheaper cell phone plan, I don't talk on my phone much, but I do send a lot of text messages. I am researching ways to lower the electric bill, but with a retired mother who is home all day I don't know how much lower it can go. Stupid is something I signed up for that I don't use anymore but I have to finish paying for it. I think I have 2 more payments to go. Finally the $50 to the ex is something I cant wait to be done with. It's a long story but the moral of it is NEVER BORROW MONEY FROM A BOYFRIEND.

The above figures are not my budget as the holidays have messed with my money and I spent more than I should have. I am in the process of working out a new budget that will allow me to have more money to pay off the Amex.

3 comments:

  1. For the movies - have you thought about Netflix? It may not be worth it for your situation but for us it has been great.

    This may not be the cool thing but a prepaid cell phone may work.

    Good luck on your journey.

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  2. Hi becomingdebtfree2009, thanks for visiting my blog. I don't order movies that often so Netflix wouldn't help me that much. I've thought about getting a pay-as-you-go cell phone. I'm going to look into it and see if it would save me money.

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  3. was going to say netflix too. what do you order on cable if not movies? If it's tv shows you can totally watch that online!

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