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Changes are a comin'

September 2nd, 2006 at 12:05 am

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.

Posted in Finance | 3 Comments »

3 Responses to “Changes are a comin'”

  1. yummy64 Says:
    September 2nd, 2006 at 01:04 am 1157159061
    1157159061

    I have had roommates. Personally, I'm happier with spending a bit more on accomodations and not having the stress of a roommate. I like having my own space.

    How are you earning money from 0% bank transfers?

  2. Single Guy Says:
    September 2nd, 2006 at 02:17 am 1157163428
    1157163428

    I can understand the desire not to have a room-mate, but considering that I live in / own a 4 bedroom, 2 bath house, it is going to waste if I don't have at least two of the bedrooms in use (one for me, one for someone else). Its not like it *has* to be that way, but if it can help me get to my financial goals quicker, I should at least consider it. The last 12 months brought in close to $6K for me, that makes a huge difference in my investments!

    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. Frown 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.

  3. yummy64 Says:
    September 2nd, 2006 at 02:21 pm 1157206885
    1157206885

    I can see why you like to have a roommate! And yes when they pay the rent it makes a huge difference in your finances.

    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.

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