What is the saying? "Nothing is constant but change?" Something like that anyway.
While I wait for the hurricane to blow through, I get to consider what I am going to do starting next month. Why? Because my finances are going to be getting an extreme makeover. OK, that's a lil extreme, but there will be changes, and I need to consider what I am going to do, if anything.
What's up? Here is the list:
My renter (a room) is moving out by the end of September. There goes $475/mo.My earnings from 0% bank transfers should hit $180/mo. (3 months ago it was $0)I should be getting a raise of around $100/mo.My payments to my ex wife end in October. That will free up $1,000/mo.With the renter gone, the utilities will probably drop $25-$40/mo.
Ok, that looks like it for now. Overall its a positive (~$800/mo.), but having my renter leave will cut back on the gains I was hoping to start in November. I could get a new renter, and may very well do that, but I am not in the tight situation I was in when he moved in about 18 months ago. But if I am going to start dating again, would having the house to myself be better than having that extra $500/mo.? I dunno. Its no rush, but dang I got lots to think about this weekend.
Changes are a comin'
September 2nd, 2006 at 12:05 am
September 2nd, 2006 at 01:04 am 1157159061
How are you earning money from 0% bank transfers?
September 2nd, 2006 at 02:17 am 1157163428
As for the 0% BTs, I get the money using different transfer techniques and invest it in CDs or online savings accounts. Currently the money is making anywhere from 4.75 up to 6%. I just put $12K into 9 month CDs at 6%. If you want to see discussions on how to do 0% BTs, check the site www.fatwallet.com. Look in the forums, specifically finance. I've learned a lot there.
And looking at my last pay stub, I now think my pay raise will more likely be in the $150/mo. range. Though I won't see it until late October. Second piece of good news is at the same time my vacation time will start accruing at a rate of 20 days/yr. Its currently at 12 days/yr.
September 2nd, 2006 at 02:21 pm 1157206885
I"ll go check out fatwallet.com for the money transfer thing. I'm curious though unlikely to do it for a number of reasons.
Great news of the vacation! What a jump. I'm at 15 days a year but next year in May I think I go to 20 days - Woo hoo.