aRedMoon

Insurance is a pain in the butt. I spend $100 on it each month, and have yet to reap any benefits. =o=

I get paid $182 on Friday… so I keep $100 for server payment, and then I put… $50 towards my Kohl’s? That’ll leave me with about $30 to live on. Oh joy. :-D

I’m gonna be near 40 hours this week, so my next paycheck should be over $250… I’ll dump another $100 towards CapitalOne, and probably keep another $100 locked away so that I have money for the lovely ticket that I got awhile back. :(

This stupid blogging is helping. Each time I’m tempted to buy something I think “Oh gawd, if people see my balances go UP, they’ll know I’m buying stuff.”

So yeah, haven’t been buying stuff.

…except for the $6 that I spent to legally obtain the new Train and Selena Gomez CDs. Amazon had them for $2.99… I wasn’t about to pass that up!!!!! But other than that, I haven’t put a single thing on any of my charges :-D

And I haven’t been eating out either… been buying stuff from Cub before I go into work… $2 versus $6 == good savings. That’s like $20 saved each week. While really does add up.

—

Okay, let’s assume I make an average of $150 per week. (I normally make more, but we’ll go with this)

That’s $600 a month.
- $100 for insurance
= $500 a month.

For April and May. Then I move. Oh dear. :< So I have a guesstimate of $1250 net coming in before I move.
- $200 for stupid speeding ticket
= $1000 that I’ll have to put towards the debt of doom. So I’ll be able to pay off Discover no problem… only got a little over $200 left on there… and then I can move on to pay off Chase. Or should I do Kohl’s? I’m not sure…

Maybe what I should do is pay $10 every day I work! That would be smart. :-P I dunno.

T___T Money sucks. I would be much richer if I didn’t rack up these stupid credit cards. Discover is to be gone by the end of April. I think I’ll actually keep the Chase & CapitalOne cards though.

Chase = because I get 3 points for every dollar spent at Amazon. Seriously, this is a Good Deal… if I pay it off.
CapitalOne = my oldest card, and gonna keep it for my credit history.

I’m doing well on my Road to Recovery. So well in fact that I decided to up the amount I’m paying towards Discover this month :-) Instead of $25, I’m now posting $50.

So…
Discover
… credit line: $300
… current balance: $261.60
… scheduled payment: $50.00 on March 5th
… resulting balance: $211.60

Yay! And I did that return on my Kohl’s and have fought MANY urges to buy stuff. So current balance is $361.57. I picked up a couple shifts in the coming weeks, so I should (I think) be able to post about $100 towards it on the 12th. It’d be sweet if I could pay it off. Maybe when I get around to doing taxes. X_x

So, here’s the first in a series of hopeful blog posts that will illustrate my attempt to kill my debt.

What is this debt? Well, I am a Dumb Kid who doesn’t know how to manage money. At all. So this is gonna be my attempt at whittling away at it all, so that hopefully by the new year, I will be almost debt free. :D Except for school debts. x_X

I want to have nothing sitting on credit cards. :-)

Current Situation
CapitalOne
… credit limit: $750
… current balance: $756.03
… scheduled payment: $100.00 on February 26th
… note: I missed the payment date by a few hours last month, which is why I’m over :( I got them to remove the overlimit fee tho, which is great
Chase Amazon
… credit line: $700
… current balance: $684.76
… scheduled payment: $40.00 on March 5th
Walmart
… credit line: $400
… current balance: $353.32
… scheduled payment: $25.00 on February 26th
… note: I have until January 2011 to pay it off with no interest, so it’s taking a lower priority.
Discover
… credit line: $300
… current balance: $261.60
… scheduled payment: $25.00 on March 5th
Kohl’s
… credit line: $400
… current balance: $376.02
… scheduled payment: Not sure yet :’( Will depend on how much I end up getting paid on March 12th.
… note: the problem is that I work here and am way too tempted :( so after I made a return tomorrow (which will decrease my current balance to $361.57 it will be leaving my wallet!
Macy’s
… credit line: $600
… current balance: $0
… :)

Total
… credit lines: $3150.00
… current balance: $2431.73
… after Kohl’s return: $2417.28
… after scheduled payments, before interest: $2227.28

Short Term Goals
1) Charge nothing new to any of the above accounts, instead use my check card / cash / PayPal account exclusively
2) Pay down more on the CapitalOne account, and when I can, transfer the entire balance of the Discover card over to it and close the Discover account.
3) Pay just above minimum balance on Walmart card until fall, at which I want to get it paid off so I don’t incur any interest. Will take priority over CapitalOne at that point, which will hopefully be hosting the remaining balance from the Discover card.
4) Have Kohl’s card paid off by fall
5) Make extra money where I can :-)

What I also owe…
Brother – $1200
Parents – like $1700
BFF – $100
D:D:D:D:D:

Now we just watch as the numbers roll in and to see if we’re getting the next movie.

Updated the list today.

And uhh, I got claimed in demigod_elite. Added my nifty pic to the Just Me page. Not so happy with it :(

ANDDDDDDDD fic spam which is beyond cute. ♥♥♥♥♥

Yes yes yes yes the video for Baby is finally out :-D

Yes yes yes yes HE HAS PURPLE SHOES.

Well, not really, but I want to try and talk about how awesome Twitter is.

Think back… ten years even. You are a BIG fan of… Hanson. Or whoever. How do you contact them?

Well, you can send them a letter through the mail. Or maybe they have a cool little guestbook on their website. You can leave them a comment there, and it’ll sit there with all the spambots. Maybe a few days later, they’ll upload a new .html file to their website with a generic response “Hey fans, we love you too! ~Hanson”

Now, we have Twitter. You want to tell Justin Bieber you’re in love with him?

Type this “@justinbieber I LOVE YOU! FOLLOW ME PLEASE <3" and just maybe, ten minutes later, "RT @yourname @justinbieber I LOVE YOU! FOLLOW ME PLEASE <3 == FOLLOWED. Love you too!!" will appear on Justin's Twitter.

Warner Brothers hosts an HOUR long contest, during which they get hundreds of entries. All you have to do is say "@HarryPotterFilm I'd probably be a Hufflepuff, because I'm one of those that Helga would just take, cuz no one else was interested :P" and you win.

Twitter has taken the world from living minute-to-minute to living second-by-second. So much happens - just watch the trending topics - and it's easy as pie to follow it all.

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The reason I'm talking about this is because yesterday, I sent a message to these people and they ALL replied.
@jamesarobb - a teen singer from the UK. I let him know his layout had a problem, and he thanked me for it.
@gudmagazine - asked their followers what was up... and I answered. We ended up talking about eBooks vs real books
@haperkins - Has a book coming out in the future, and we talked about it (and how hard it was for me to find info haha) and she said I should go to bed, cuz I had been up so long.

And then randomly, I get followed by @therealsnichols, who's a PUBLISHED author. She's got a period book (admittedly, not my thing, but I may check it out nonetheless) which is sold on Amazon. And today we’ve been talking about Hanson.

Who, by the way, now have a Twitter. So if you want to let them know you love ‘em, you can message @hansonmusic – so go and have fun. @therealsnichols is also sending me some of their music. I’m excited to hear their new stuff.

Oh, and Justin? He let his fans know via his Twitter that the Baby music video will be available tomorrow. Fucking yes.

So, apparently, there was gonna be a kiss scene in the Percy Jackson movie. You know, that scene at the end where they almost kiss? Apparently, a full kiss was filmed.

It was cut.

The film just got 10000 points.

Anyways, Percy/Nico update! It’s been a couple weeks, and a few things were posted. I only found them thanks to the fact that there is now pjo_slash on livejournal. Woot woot woot! So three fics were found.

I also added a section at the top for LJ communities. :)

So yeah, few the post here. Also, I’ve started to publicly spam percyxnico. (Does that count as a website?)

So instead of doing something useful, like maybe writing more of my story, I played around with the site. I probably will write more in the next few weeks, as my hours have been drastically cut. In the newest schedule, I only got 12 :’( Which is a HUGE drop from the 40 I worked last week.

Oh well.

Anyways, I added a shoutbox. Not that anyone will ever use it except me :P I also changed the countdown from Percy movie to Justin Bieber’s new CD :-D

I’ve also added a page about hosting here. I don’t do much, but hey, if it brings a few bucks to my pocket, sure, I’ll share the server.

Speaking of the server -- Wikimon is back up! And we have a MUCH more powerful processor now, plus 4GB of ram! We are looking pretty damn sweet now :D

And Ryan (Yeah, that Ryan) has his own blog thing going now. You can see it here. We’ll see if he does anything with it… he paid for the domain, not me. xD But I am hosting him. ♥

Here are some shirts I want, linked to where you can buy them for me. ♥

Aren’t they both hot? ♥

Anyways, that’s about it for today. Spam the shoutbox, buy me t-shirts, and buy hosting from me. That’s the moral of today.

Or if all else fails, BUY ME JUSTIN’S NEW CD. ♥♥♥♥♥♥

Soooooooo Boogie Boogie was on a old mix CD that I listened to today… and well, I FELT COMPELLED.

Redid the translation :)

And then I realized I should probably grab the lyrics for the other songs before the MSN Groups close. Well, too late. By about a year and a half. x_X

HOWEVER, it would be appear their second CD is basically just Menudo songs. -.-

Anyways, looking at the lyrics and getting them makes them 100000000x better :D

Y Yo No Bailo is hilarious because he won’t dance cuz she’s a giant.
Por Amor is SO FUCKING SLOW and not very good either.

And the Melody Menudo is still amazing. &heart;

Kinda kills it that they’re all just old Menudo songs. :\ Guess that explains the “Formula M”? lawl

Oh John John, whatever happened to you? (WTF 1:37 is shirtless mmm)

I found Joseph on Facebook… can’t say I care about the other two :P

Awesometastic! I love this guy. They’ve finally got an album up on iTunes so this is one thing that I shall have to buy. (After all my Percy stuff, of course)

But in the past two days, they’ve posted up Fireflies and Replay *_* Check ‘em out