Tomorrow I start my first day in my new position. Today I finally got my offer letter. It's been a yo-yo thing. First my former boss asked if I had received the letter last week, I hadn't, so she emailed the head of the dept I'll be working for asking him to get it for me.

Then by the end of the week she told me she was just going to write it for me and that I'd be very happy about the result.

Today I almost went to ask her about it since I still hadn't gotten it yet but she was never in her office when I went to ask.

Just before lunch the head of the dept came by my desk telling me that he needed to get a hold of the CFO to a sign off on my salary so he couldn't tell me the amount but that I would be getting a raise.

Finally at the end of the day it came finally. I got almost a $4k a year raise and after comparing it to my last paycheck at my last job it works out to $600 more a year than I was making before.

However, the net amount that I was making at the cut I took to work my first position was enough to pay bills and have $100 left over to pay on extra things. So I'm super stoked about this first paycheck even though only half of it will be at my new pay rate.

I received a check on Wednesday for the difference that was missing in my check. Of course, not much by way of taxes was taken out of it but at least now I know that I am at the same rate I was getting before, which I should have been. So I went ahead and started my clothing allotment, and wound up paying a total of $400 on my credit card. Not all of that came from this extra check just I was able to add to what I had set aside previously.

In the end, I will always have something extra to pay on my debt I just won't have a clear idea of how much because....

~ I changed my transportation withholding amount last month -but I sent it off straight to the company that takes care of it instead of giving it to HR. Since HR didn't know they were to decrease my transportation amount they pulled out the full amount instead of half. My next check they won't pull out anything to compensate.

~ I want to sign up for AFLAC insurance but the information they give us isn't very clear as far as cost and such so I was waiting til the rep came to discuss options. He will be in sometime next week. That will affect my check slightly.

~ I can contribute to my 401k starting with April's check. That will affect my check starting then.

~ I get a review in March. There's a chance a raise might be involved there.

I think I'm not going to play with my withholdings this year. It's just been too confusing with my pay in general and I would rather just not have to pay again. Though I might check and see if I can just change my Fed to 2 and leave my State at 1. But it will be July before I even consider anything.

Another thing I held out from the extra check I got last week was the entry fee for a half marathon in June. There's a group at my Curves that are going to train together for it. Apparently only the first 3,000 entrants get t-shirts so the gal in charge was encouraging everyone to register online. I get her enthusiasm, this is her first event. But I could take or leave the t-shirt. Still, online is easy so I went through the motions this morning to register only to find at the end that there would be an extra fee of almost $4 for registering online. I decided to leave the fate of my t-shirt getting to the post office and will be mailing in my registration tomorrow.

Tonight is the Oscars and while I really could care less in the general scope of things, the theatre I volunteer at is the only sanctioned Oscar Night Event in the state of Oregon. I think only one non profit in each state is awarded that privilege and this is their third year in a row doing it. It's their biggest fundraiser and rather appropriate since it's the Hollywood Theatre. I will be working there tonight and it will be a lot of fun. They'll have red carpet, paparazzi, drag queens dressed up as famous people doing catty commentary as people arrive, there'll be food, drinks, raffle and silent auction prizes, and I think the coolest of all, the actual programs from the real event will be handed out to the guests. Those were delivered yesterday during our volunteer meeting. But I didn't actually see any of them. We are encouraged to dress up if we want, but we don't have to. We just can't wear jeans.

There was something odd about my paycheck this month. I could tell right away in my direct deposit amount. I did expect that taxes would be more, considering I support the payroll software my company uses and I know how it calculates taxes. But the net amount was far less than even I expected, even with an hour of overtime.

When I got to work and got my check stub I saw why. My first check in Jan showed hours worked as 86.67 (which is correct for salary hours at half a month) and an amount of 1700. My second check in Feb showed hours worked of 173.33 (which is correct for salary hours at a full month) and an amount of 3000. Now if I were to go by my first check, my second amount should have been 3400. To make matters even more confusing, at the rate I was getting from the contract place (before I went permanent) my amount for one month should have been 3200.

I emailed my boss about it and she is checking into it. I just want to know what my actual rate of pay is supposed to be. I don't see why I shouldn't expect at minimum the amount the contract place was paying me. Either way, I need to know what to expect so I can budget accordingly. By taking my clothing allowance amount out this month, I had enough to cover all bills plus have a little bit of breathing room and pay a tiny bit extra on a credit card. I guess we'll just have to see what next month holds.

Oh and my boss said I'd be getting a review in March, my official '3 months' with the company since I went permanent in January. And salary would be discussed then as well.

Over the weekend I paid off my small student loan! That makes me happy!! It also frees up a $50 payment I was making to it to be used elsewhere.

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This Friday I will receive my first full month check. It will be nice to see how much I'm actually receiving. Although it will change in a month or so once they actually start taking money out for my retirement. Still though I think I'm left with at least $100 extra to pay off stuff.

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I think I need to give myself a clothing allowance. I've been in my new job for 4 months now, and some of my clothes are showing signs of wear. Since I need to dress a little nicer I want to be prepared for spending a little more when it comes down to it. I'm considering taking that $50 that I was paying on the student loan and just setting it aside every month so that when I do need to buy clothes I have the cash for it. I rarely pay full price on anything, usually it's on sale, more often on clearance. But still things add up and with my height that adds at least $10 to the price of things no matter how much it's reduced by. Especially where pants are concerned. I don't need to buy anything now which is why I think I should start setting aside money now so I have it when I need it and don't raid savings or pull out the cc.

I'm pretty excited for Friday though, let me tell you.

I got my first paycheck today...my first paycheck after becoming a permanent employee that is. When I first looked at my bank records I thought at first that perhaps they hadn't taken out my pre tax stuff (FSA and transportation) and the second thought was perhaps I got a raise. And the answer is....

I GOT A RAISE. Though since they were paying me through a contract company before it may still be less to them. No matter. I double checked one of my old pay stubs from my old job. I am now, after 3 months in a lower position, making $50 (gross) less per month than I was making after 10 years in a higher position. Daymn!

Net it works out even better. On my check, I'm taking home about the same as before however...I'm also having them take out $165 pre-tax for FSA and transportation allowance so technically I'm so making more than I was before.

Of course, after a couple of months my 401k will start coming out so that will make a difference but I don't care!! I'm so excited! They will match up to 3% so I just did 3%. And in June or so I'm going to change my withholdings to 2 so I don't pay as much in taxes straight up.

I so can't wait to do my taxes this year. With all the changing jobs and stuff I didn't do the change withholdings thing as much so I should actually get something back.

My kicker check showed up in the mail today! And it was for $541. Sweet! it will make a nice addition to my saving account.

Every two years Oregon State kicks back to the taxpayers any budget overages more than 2% that were collected. The amount they kick back varies but in the past I don't think I've gotten more than $80.

They say this may be the last kicker for a while, I'm just going to enjoy the fact that I got one this year!

I read somewhere that 1200 checks were accidentally mailed early. The date on the check was effectively post dated. The date on my check is 12/6 so I know mine wasn't one of the early ones.

Yay for money!

I just updated my October totals. My EF looks like it went down $100 but considering I had to pull a COBRA payment of $420 out of it, it's not really that bad. I'm still over $1000 and my dad is going to try helping me out with December's COBRA payment.

My debt did increase by a good chunk. Mainly due to buying new clothes for work, buying some furniture for the apartment, and buying plane tickets for my brother and I to go to Dad's for Christmas. I have stopped carrying my credit card in my wallet because it was too easy to just put random other little stuff on it as well. I will have that one paid back off by the time I get my tax return and my brother finishes paying off what he owes me with his tax return.

The new job is going well. As far as my budget concerns go I'm still ahead of the game. I currently have bills paid up through Nov 20th and I get another paycheck Nov 9th.

Once I get a full paycheck from work (right now I'm anticipating that being February 15th) I'll have a better idea of how I can start back into intentionally paying stuff down. Until then, I'm just saving what I already had set up in my budget to save and putting everything else to paying stuff ahead, or at least marking it as paid in my register. Plus I still have a $100 cushion that I haven't had to tap into yet.

I won't be getting paid for Thanksgiving holidays (2 days) nor Christmas (1 day) plus I'm taking Christmas Eve off so I'll have about 4 days that I won't get paid for total. Which is about $200 on each check. Fortunately it's spread out a little. So we'll see when those checks arrive how that affects things.

I found out that COBRA doesn't include dental like they thought so my actual payment is less. Which means I need to call the dentist and find out how much it is out of pocket to pay for a cleaning and possibly postpone my appointment until I have insurance again.

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.

Tuesday Deposit.

$80 total, $60 from friend paying me back for concert ticket and $20 from my Monday night child care. All went straight into Savings. I also initiated the transfer of $100 from checking to savings today. Makes my total in savings finally well over $1000 which is good but I know it won't stay that way for long.

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Direct Deposit.

My checking account with Wells Fargo is only free on the condition that I have a direct deposit of at least $100/mo. My final paycheck from current job will deposit on October 5th meeting that requirement for October. I also just got the directions on how to sign up for direct deposit at the new job. It takes two pay periods for it to become active so it should be on in November and all will be well as far as my account goes. I also have an allotment that goes in from my brother who's paying me back that happens to be $100. I don't know if that counts as direct deposit or not. Still can't believe this is my last week here. I've been here over 10 years.

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I quit.

For a multitude of reasons, I have decided to quit my Sunday evening childcare job. It brought in $25/wk. I think I'll be ok without it as I never include it in my budget. I did it for about a year, that seems to be my limit on extra stuff. Ah well. I still have my Monday evening childcare job which brings in $20/wk.

Today was payday. It's my second to the last paycheck from my current employer.

I paid all the bills I had to. Set aside money for a trip to Seattle next weekend (I'm carpooling so pitching in a little for gas). Set aside money for next month's bus pass that I'll need for new job (friend works someplace she can get one for half price and she won't need it for October so I'll be buying it from her at a discount). Paid off the small current balance on CC2 that's normally kept empty. And had $102 left over that's earmarked for savings but won't actually transfer until next week.

My roommate and I are throwing a party this weekend. We're going shopping tonight for food and other stuff for it. I have $32 from babysitting and what was left over from food and gas last paycheck. That should be plenty, especially since we're splitting the bill and we won't be buying any alcohol.

I am so paranoid about having enough money to pay for insurance and the other half of the month's worth of pay I'll need to come up with end of January that I've decided to charge some things. Specifically my clothes for work. I will be looking for good deals and such but for the most part I just want to go shopping once and not have to worry about work clothes for a while. I'm ok with paying interest since I know that worst case, I'll pay it all off with my tax return. Which means only a couple of months. If I find that I have more than enough money saved up to cover things then I'll pay it off sooner.

My current 'work clothes' are the same as my everyday clothes. Casual, jeans, tshirts. New job is in an office building with a business casual dress code. Granted, one of the programmers was in my interview wearing cords and a tshirt but I'm not going to be working for him. I have my interview clothes (one pair of slacks, one nicer button down shirt) and possibly one other top that would be acceptable. Past that, nothing. I hate shopping for clothes, with a passion. But I need to do it. This weekend I'll start out at Value Village and Goodwill. Next I'll hit up Ross and Marshall's. After that it just depends on how much time/energy I have to take on the rest of the Maul (Old Navy, Gap, Macy's, Nordstrom's, Sears, etc). Might check in at Avenue as well since that's where I got my slacks and they fit really well, just a little pricey even if I did get them on sale.