Spam and a few resolutions for myself

[mousme]

Yes, I'm spamming LiveJournal today, much as I did yesterday. I will shortly be buggering off into the kitchen to make dinner (Hah! You thought I'd be going further away and not posting, didn't you? Well, more fool you! ^_-), but for now I'm going to post.


I have decided that I no longer want to be a financial mess. This comes from not managing my money properly, obviously, as I earn more than enough to get me by. I'm doing something wrong, or many things wrong, and thus I'm going to start managing my money more actively.

Actually, I think my main problem is impulse spending, the way it is for most people. I don't spend money on what most people spend it on: clothes, shoes, jewelry, what have you. No, my spending is more insidious, as it goes in small amounts here and there, on books, stationary, pens, etc. Twenty dollars here, ten dollars there, another five dollars into the mix, and suddenly Phnee is broke.

Well, I'm putting a stop to that this week. Tomorrow I get my Christmas bonus (yay!), and I'm going to use it all to put a big dent in my credit card debt. I'm also going to clear up the mix-up that's taken place on my credit card, in which all the charges went through twice *beats head against wall*.

I'm not counting on it, but I might also be getting a raise soon at work. Probably not much, but it's still a raise, and it still adds up.

I'm also going to switch the two automatic debits from my credit card onto my bank account. It's better that way as I won't have to worry about *regular* charges to my credit card and can use it for "emergencies" only.

Somewhere along the way I began living beyond my means, and I'm not sure where that happened. I think it might be partially the car's fault, and yet the car has simplified my life in so many other ways. *sigh*

Off to make dinner. At least I have clean dishes to eat from now.

Comments

[paganmommy.livejournal.com]

Maybe part of your money problems lay with the fact that your boss is paying you two months later than s/he should? Something to look into! *smooooooooooooooooooooooooooooooooooch

Re:

[mousme.livejournal.com]

*lol*

Thanks. Apparently this is normal procedure at Bell Mobility, because they calculate the bonuses and percentages based on the profits of the fourth quarter.

I'll look into it. :)

It *is* a bonus, though, and not my actual paycheque.

"Christmas" bonus

[vureoelt.livejournal.com]

No, this appears to be fairly standard practice for the accounting boffins. They don't actually give it around Christmas because of this and that financial reason.

[curtana.livejournal.com]

Well, I have no idea how Bell Mobility works these things, but could your present financial situation have anything to do with the amount of time you've spent away from work lately? I mean, sick days upon sick days, a week off here and a week off there, can add up pretty quickly to a lot less money than you're used to, if it's all unpaid leave.

Re:

[mousme.livejournal.com]

Actually, my sick days were paid, for which I thank the Powers That Be with all my heart.

The only reason my paycheques were lighter than usual in January (the one month I *really* needed money) was because I was suspended for three days without pay due to my chronic tardiness.

This week's "days off" are actually the result of my working this Saturday and working longer hours Monday, Tuesday and Friday.

Psychotic employers

[forthright.livejournal.com]

Good luck on the raise! But it does bring up the question: What kind of employer suspends and threatens to fire you on one hand, and then rewards you on the other? Idiots. Just give the woman her raise, already!

Re: Psychotic employers

[mousme.livejournal.com]

It's the carrot and the stick method, otherwise known as "make your employees have nervous breakdowns method."

I highly recommend it for those who want a high rate of turnover.