anewdaycalling: (Default)
Wake up, a new day is calling! ([personal profile] anewdaycalling) wrote2009-07-30 12:26 am
Entry tags:

Financial woes.

Today is a prime example about why I am so adamant about saving every last extra penny during the year Jason is gone.
We recently signed up for Netflix, recent as in we have only made one payment thus far. I was pretty sure that the payments were taken out after the first of the month. I was proved wrong on that one today. For the record before the payment was taken out we had $1.00 in our checking and $2.00 in our savings. We are now -$10 in our checking and have a zero balance in our savings. Not to mention that I am sure we will incur an overdraft ($35!) because there will be no money deposited until friday.
I hate HATE living like this. I will not spend the rest of my life like this. I will not, there is no way that will happen. I do not want Jack and any future children to grow up like I did. I don't want to spoil them, but at the moment we don't even have extra money for ANYTHING.
I am grateful for the fact that we do have money to cover all of our bills, and keep a roof over our head, and food in our bellies (though it gets tight the closer to payday) but I would love to be able to just go to the store and buy something I WANT and not feel insanely guilty or panic about it.

I have a huge opportunity to change our lives for the better while Jason is away. I will not waste it or let it slip by.

My basic plan:
Extra deployment pay goes immediately into a savings I can't easily access.
Regular pay goes to pay bills, and anything left over is saved in the joint savings account.

I have a few things that I have discussed with Jason that I will be buying, and there are a few things I want to do for my parents as well. But anything I want to do must come from the regular paycheck. (like vacation and taking Jack to D.C as much as I can.)

(Not to mention I will be returning to school in the near future to work on a dental hygiene degree. I would like to work as a Hygienist when Jack starts school. That would be a nice addition to our income)

ETA: As of this morning, it doesn't appear we will be charged an overdraft fee. Though that isn't to say I wont be suprised if we still are.

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