It’s been a month, Thursday was my 30 day post-interview. I found the whole deal rather interesting. What can I bring to the table? Well, I’m really good at organizing and paying bills. I’m finally getting settled in, understanding the corporate culture, and trying to figure out what rules and policies I have to follow, and how. For the record, they are not like my old job.
I was going to make this 1 long post, but then realized, I didn’t want to write that much. No one likes to read a novel when they signed up to read a novella. So tonight, we are going to talk about the changes overall, and whats happened and whats going forward. Next time we will talk about the subject matter and how live has changed exactly in detail.
My first paycheck was in the 700, my second was in the 1300. The paycheck is delayed a week. Meaning the 1-14th check comes out the 21st. I was used to getting paid the entire month at one time. So the change is not too horrible. It is a lot easier to understand how long I have to keep my money without digging into savings. I think that on this pay schedule I could do a cash diet and have it work. I tried on the 30 day, and it was just too long.
The first paycheck I had, there were no deductions. The second paycheck had deductions for everything but my 401K. That won’t be finalized until the end of August according to the website. But I have it set so that 20% of my check will be going to retirement. This is broke down into me saving 14% with a 6% match. At this point. I have no clue what my paycheck will look like. This is why I am trying to save as much as possible into my bills for next month, and not looking into savings/acorns, etc.
How have my finances changed? Well, I am allowed to have pink highlights. I am in heaven. I spent 220 on my hair. Technically, I spent, 220 on a cut, highlight, waxing, deep condition, dry shampoo and tip. I love it. It most likely won’t be this way all the time. (I hope not, and don’t foresee it happening this way.)
On to the items that happen way more often. I have only work 1-four hour shift at the side job for 40 bones. The is not even worth really bragging about. But between the first two paychecks, and some already in savings, I had 2000 for my bills for August. I transferred money Saturday and paid my August bills for the most part. I didn’t do anything for savings, or normal activities. I really just wanted to have my debts paid. I still have 120 in my bill account. I will be paid again this coming Friday. I am going to move 90% of it to bills to be paid. My goals going forward is to have 2000 by the first of the month. Fingers crossed. This would allow for the majority of the categories in my budget to be paid. Once I get my chase paid off, I am going to be rebalancing my budget based on the 2000 month salary. Though, I am hoping that I will be getting paid more than this every month.
Great news! I paid off my Apple credit card. YEAH!! This means that my Apple, AA, AE and Visa are all paid off. (Or have been zeroed out but have minimal debt.) I just have a balance on Chase, AmEx and Discover. The Chase will be paid off next month. There is a balance of 120. The AmEx is sitting with a balance of 1500, and the Discover is still over 13k.
On the flip side. I have a tuition bill of 950 to be paid next month. This doesn’t include the 2 books that I need to purchase. I could drop 1 of the classes. I am just not sure. This would save me about 500. I’m at a crossroads of what to do. I have about 15 days to figure it out. Each book for both classes runs about 175 new. I might be able to rent them, but I don’t know.
The other thing about the month of August is that I have 2 trips planned. Each to see family in different parts of the world. They should run about 75 each. 50 for gas, 25 for incidentals, if that. I should also go on a few more dates, but realistically, I don’t see any guys in my future right now. I’m okay with that, I think. I know I’m okay with not having ones that I not sure I even like in my life.