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Archive for October, 2007

First paycheck

October 16th, 2007 at 10:24 pm

Got my first paycheck yesterday from the new job. It was only for 1 week though. They say it takes two pay periods for direct deposit to process. So it'll take me a couple more days to get it then deposit it.

I've paid most of the bills through the 11th of next month. I say pay and most but that's really not quite what I mean. I use Quicken and plug money in as future payments then only look at the ending balance to tell myself what I really have in the bank. That way the money is allocated. I check it every day to make sure if there's a payment I need to initiate that I do so. There's a couple of bills that I haven't paid yet, rather big ones. But I will have a full 2 week check before they're due so I'm not concerned. And I've left myself a $100 cushion instead of my usual $20 cushion as a 'just in case' buffer.

Since I don't have time to go out to the chiropractor I haven't been maxing out my medical budget. Normally I'd send that money off to the medical savings account I set up but since I'm going to be paying for COBRA I figure I'll just use that for part of it that way I don't have to drain so much out of savings.

I am still certain I'll be a'ok when all is said and done but my EF will definitely be drained. Although there's still the state kicker check, and possibly money from my dad to help out with things. Too many unknowns.

I'm still liking my job. I'm thinking about maybe asking, once I get permanently hired on, to change my schedule to come in an hour earlier. With all the food available at work I don't have to worry about packing a lunch or eating breakfast first and I shower at night now anyway because there just isn't time in the mornings. There's no reason I couldn't just get up at around the same time and catch an earlier bus. But it would make a world of difference in the evenings as I'd actually be able to exercise and stuff. We'll see when we get there though.

Just going to keep plugging along and hope I stay ahead of things. I'm really glad I have a little bit of an EF to support me through this.

Auto Insurance Annoyance

October 12th, 2007 at 06:48 am

I have my auto insurance set up on auto pay. It's one of those set it and forget it sort of things. Every once in a while, their system hiccups. They say I must have logged into the web site and changed my bank account information. I say, no I didn't because it just works so I don't bother even logging into their website. I'm sure they have logs that could verify that. Ugh.

I noticed it last night when balancing my bank account. Usually I'm more on top of it, and would notice it when it didn't clear after a couple days past the due date. But with the new job I've been distracted.

I called my agent, last time I got a letter from her asking why I didn't tell her I'd canceled my policy (non-payment is an automatic cancellation) and she got it all straightened out for me. This time it looks like I noticed it first. That or she figured it was the same as last time and has been trying to straighten it out before telling me it was broke. Either way....I'm annoyed at the actual company. My agent is independent, meaning she represents many companies. Unfortunately she isn't close so if I were to change companies I wouldn't have time to go over and sign new paperwork.

Hopefully she'll call back today with good news (ie that it's been fixed).

Surviving

October 10th, 2007 at 08:48 pm

I've been at my new job for a week and a half now. Things are going pretty good. Got my last paycheck from old job on the 5th, used it to pay for all the rest of the bills for October (but only paid for food and gas for the next two weeks since I will be getting other checks in this month). I still think I'll be ok as far as money stuff goes, I won't know though til I get my first check and see what actually starts coming in.

I really don't need to grocery shop as new job offers plenty by way of food for breakfast and lunch during the week. However, I'm also trying to watch my waistline so I'm mostly bringing in my own food and just supplementing it here and there as needed. For example, I don't buy fruit anymore for my lunches because there's always a plethora of bananas and apples in the kitchen.

I should be seeing my first check, which will only be for 40 hours, next week sometime.

I did it!

October 1st, 2007 at 09:17 pm

I reached my EF savings goal. However, until I get hired on directly I'm going to keep mad saving. I have a feeling I'm going to need it.

First day of work went well. Smile