I miss my old job

More specifically, I miss the money I made from my old job. And the benefits. And the 401k.

I'm considering looking for another big firm job come January. Or maybe I'll try to up my hours at my current job (to 20, netting me $1000/mo), and then start the job hunt next summer. I'm really enjoying my class and work schedule; I have a lot of time to study, and I have time to relax. But the lack of money is stressing me out...

I guess I need to figure out what is more stressful - a full-time job plus school or very very tight funds.

Probably the best thing to do would be to up my hours at my current job, or try to find another part-time job that pays more. That coupled with getting a roommate in January would be perfect. Then next year, when my class load is lighter, I can get a full-time job at a place where there's potential for upward mobility...

Latest Finance Charge

The latest finance charge on my Mastercard posted today - $146.27, bringing my balance to $5959.

I have 10292 in my checking right now. I need $9782 to make it from now until the end of January. That means I can make a $500 payment to the Mastercard and still pay all my bills. That will bring the total down to $5459. I also will make a $450 payment as soon as I receive the funds from my bag. I also am returning a $480 bag today (I was trying to sell it, but then found out the store I bought it from would accept a return), so after subtracting those amounts the balance I'm left with is $4529.

The minimum payment I can make on my Mastercard is $210... so that will have to be factored into my budget. I'll take that from my paycheck every month.

I applied for a Capital one 0% balance transfer card over the weekend and was approved... BUT they didn't tell me my credit line. It could be as low as $500! That would be unhelpful.

I'm trying to put Christmas (and the fact that my boyfriend's entire family has birthdays in December) out of my mind... other than the presents I can get for my friends from my return to Revolve, I have no idea how I'm going to buy presents for everyone else. It's depressing...:\

Braces, Part II - Cleaning & Filling

Today's cleaning cost me $76 (plus $6 for parking - there was nothing in the street, so I had to park in the structure). Tomorrow's filling should cost (at least) $100. That coupled with last week's cleaning means I've spent $300 at the dentist (and an additional $1200 at the orthodontist). Damn teeth.

My spacers aren't bothering me as much anymore, except for the molar next to the spacers on the upper right hand side. It hurts to the point that I can't chew on that side (and I can only gingerly chew on the left side, so I'm still pretty much eating soft stuff - sigh. I REALLY wish I had eaten a couple steaks before the spacers went on). The dentist didn't find anything wrong up there (I'm getting the filling on my upper left hand molar), so I'm not sure what's causing that. Still just pressure? Or maybe I'm grinding my teeth at night? I'm going to mention it to the orthodontist on Thursday.

This hasn't been a fun process, and I'm being constantly reminded by friends that it's only going to get worse. Thanks, guys! Hmph.

Update: The filling actually cost $148 (and the cleaning yesterday was $79). That means I've actually spent $351 at the dentist in the past two weeks. I almost missed my appointment this morning because I overslept, but I'm glad I got it over with. The novocaine shot and the tool that causes brain shaking were unpleasant, but overall it wasn't too bad. Took about 45 minutes. Now my jaw is aching, but at least I don't feel any pain.

Bad Influence

Remember my friend G, who helped enable my last major slip? When I spent the day with her yesterday, I had another slip (though, thankfully, to a much, much lesser extent).

My purchases (everything went on my debit card):
Food
Chai Tea Latte: $3.93
Korean lunch: $8.46
Indian dinner: $21.12
= $32.51 (I budgeted for $40-50/mo eating out with friends. This leaves me with $17.49 for the rest of the month.)

Clothes
Nordies Belt: $73.27 (I have NO budget for clothes, so this was bad. I'm going to hunt in my closet for something unworn & with tags to return so I can make back the money. I think I can wear this belt with a variety of outfits, making them look dressier. So this gives me all the party looks I'll need for the rest of the year. BUT I am definitely going to try to exchange it for a smaller size. If I can't find that, it's going back)

Makeup
Sephora: $154.08 (I budgeted for $160/yr -- I might be able to stretch what I bought out for another year. But likely will need another powder refill). I did need under eye concealer, and the extra powder. The rest of the stuff was unnecessary... but fun.

Pedicure
Happy Nails: $43 (I budgeted for $31/2 mos. I splurged and got the "deluxe spa pedicure" this time. My nails were chipped and looked horrible and I wanted them nice for my anniversary, so I felt this was justifiable)

In total, I spent $303.86. (I also used up half a tank of gas!) The next time I'm going to see G is on the 17th, but I'm going to be helping her run a booth, so I'm hoping I'll get a free dinner out of it and will spend nothing (other than the half a tank of gas to get to her).

To be fair, I think in the past we've been bad influences on each other. I'm really trying to be a good influence now. I told her I've made a budget, I've started a pf blog, and that I'm serious about reforming my bad habits. It's hard though, because all our fun in the past has revolved around spending. I've also noticed that I'm becoming anal about splitting meals (she shortchanged me by $1.50 at lunch, and she shortchanged me the last time I saw her) and that makes me feel like a jerk, so I don't say anything about it. But it still bugs me. In the past, measly amounts like that would be overlooked, probably on both sides, but now - every penny counts, you know?

I might guilt myself into taking everything back. I need to look at this stuff, and my budget, very carefully. And next time I go out with G, or any friend, I need to make it clear (to myself and to them) what I can and cannot spend. I need to find something fun and free for us to do! Must stay away from the mall!

Productive Day

I got a few things accomplished today:

  1. Returned my Madison Marcus dress (I mentioned it here). I didn't like it enough to be able to justify the cost. I have a green dress that I'll probably wear for my anniversary instead.
  2. Deposited $300 check (transferring the live.com discount from one bank to another)
  3. Deposited $40 cash (from my relative)
  4. Dropped off package at UPS (the purse I sold)
  5. Dropped off package at USPS (returning a shirt to Revolve for $285; I can only get back store credit, so I'm going to use it to buy Xmas presents for all my friends)
  6. Mailed my request for absentee voting ballot (I can't wait to vote!)
  7. Filled my gas tank (-$35)
  8. Got a car wash (I normally get this free with my oil change, but my car was so dirty that it was getting hard to see out of the windows, so I couldn't wait) (-$9)
Now I'm going to clean our room, clean the closet, and eat some dinner 'cause I'm starving!

Complete Debt Disclosure

My debts, for your perusal...
Student Loan Debt

$20,000 (undergrad - need to confirm #)
$215,162.00 (law school)

Credit Card Debt
SV: $4,786
V: $4,843
S MC: $6,745
S: $1,335
CO: $1,379
B: $600
M: 0
 =$19,688
(credit limit = $22,605)
Updated on 07/25/13

Boyfriend Loans
Original Loan (paid off my car and my credit cards): $21,415
Loan for Mom's car (I'm repaying half): $5000
Loan for Living (July-August): $3939
Loan for Living (September): $1200
= $25954 out of $31,554
Updated on 09/16/10

Grand Total: $283,471.00
Updated on 09/2010

PAID OFF
Braces
$0 / $5400
Updated on 5/05/09
Car Loan
$0 / $25,018
Updated on 3/31/09

If I lived in another city, that would be the price of a house! Here, it's half the price of an apartment. I guess that makes me feel better?

Pricey education, eh?

Yay, Money!

My $295 from live.com arrived today (just have to transfer it from one bank account to another). I also sold a bag for $450 (which will be, at best, 390, after ebay and paypal steal from me). That's $685 total that can be thrown towards the Mastercard. I'll update my debt totals as soon as this money is safely in my checking and I can authorize the payment.

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