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Archive for December, 2006

I blinked and my salary was gone!

December 28th, 2006 at 02:29 pm

things I paid:
1 month's rent (I was still behind, now I'm 100% up to date!)
I'm left with $30 to "survive" until Jan 15th!
****
still pending

from the toy sale:
cc
Ale's bed
personal loan


From the translation:
infamous phone bill ($145.80)
technical dictionaries + internet bill(investment in business as per allocation - $145.80)
savings $36.45
donation $36.50


From the school supply sale:
cc
Ale's school
car maintenance (tires,brakes and shockabsorbers)

Payment due from cousin (!)
infamous phone bill!-- the last of it!
cc
additional bedding set for Ale's bed

Re-worked the previous numbers a bit! ((sigh))

061228 - 2006 goals update

December 28th, 2006 at 08:02 am

1. keep better track of my spending- managed to stay within budget this month (barely!)...we still have to buy the stuff for New Year's Eve, but, I still have $79 "left over" for that...


4. continue to lower my overall debt - I started Jan 05 with ~$17K (out of which ~$4K were for a loan and the rest -~$13K!-pure cc debt) and, am starting Jan 06 with $~11K (with ~$8K for a loan and ~$3K in cc debt)... expect to be able to end Dec '06 with ~$7K, which I expect to be purely for the loan... to come partly from the English classes/$20 challenge. ...current situation is: $12.9K total: ~$7.9K (refinanced) loan, ~$2.6K car loan, ~$609 personal loan, $1.3K other personal loan… Phone bill is $200...$600 on a cc for toy/school supply sale expenses (pending full payment in Jan)…

Money

December 27th, 2006 at 10:01 am

we are tracking all expenses/payments with cousin on the school supply sale....I was commenting this with sis the other day and she said she doesn't understand why I do business with cousin if it seems that I never make any money...I agree, profits are not as good as they could be (about $700 for the whole toy venture this year....and an estimaded $500 for the school supply venture in early January)...that's a lot of effort for that money and, on top of that, I never get to "see" the money ...meaning I don't really get to do anything "visible" with it...I don't buy stuff...I just put it towards debt...

I agree with sis that there are other things I could do and, that going into business with cousin has proven NOT to be the cleverest decision (after all, that is how I got suckered into putting a phone line to my name in her house!)....but, another reason is precisely to check what she owes me and, to at least be able to recover SOME of it when we are dividing the profits...

((sigh)) Believe me, G_d willing, I won't have to do the toy gig in 2007 (most likely, I will have to do the school supply thing, as we estimate that there will still be items left over due the changes in the lists!)....it takes up too much of my time and energy and, leaves Ale needy for my attention and very resentful of the little time we spend together....(a happy kid is A LOT more valuable in my book...right now, I really cannot afford NOT to do the toy thing, otherwise too many debts will go unpaid... Frown ...Ale really deserves better!)

The E-Spiral is alive!!!

December 22nd, 2006 at 08:24 am


I'm still speechless...anyone that knows me "in the flesh" will tell you that my being speechless is not only highly improbable, but also impossible...but, I am...sort of...
This morning, my boss (VP) called me to his office and, there were a couple other people there looking like the cat that swallowed the canary...they left and my boss asked me to sit down and then said: "you may have noticed I haven't given you a Xmas present..."...I said: yes -- very matter of factly, honestly I just thought he had given them out while at the Xmas party that I didn't attend and figured he probably had forgotten it at home and I would get it next year...no biggie...he said: well, I hadn't because I was trying to find the best way to go around it and do the best possible while keeping it affordable...by this time my mind was thinking: cool! he got me a raise!...and then he said: ...I have heard from other people in the unit that you are interested in pursuing a business on the side...yes (it's no secret, really!) and then he said: and I also heard that one of the things holding you back from that was a computer...(I swear my jaw scraped the floor!)...and he continued...so, I bought one of our old laptops from the company, it's not new, but I had it cleaned and refurbished and loaded with all the software you might need....I believe I might have said something like: Ak-ak-adack before saying THANKS!...
I mean, physically it's just a computer, but, in reality, it is so much more!!!...I really can't find the words! (which is why I am here at my desk crying as I type!)...but, this one is just too big to keep to myself!
..I know I also have to give G-d a HUGE Thank You for putting people like this in my life!

does that have to be done TODAY??

December 21st, 2006 at 02:41 pm

...((sigh)) YES!...
they want all expenses for 2006 to be tallied in 2006 (obvious!)...so, one of our PM's sent a message to the whole unit regarding this, so now I'm SWAMPED with things that need processing for payment before tomorrow (when our PM leaves!) ...it's 4:40 and, I don't think I can finish before tomorrow noon! ...

H
: E
:: L
::: P!

More toys!

December 20th, 2006 at 07:43 am

well, we thought we were done with the toy sale...but, we've had 3 new orders placed ....they all want them for tomorrow or Friday, of course!...They're small orders, thankfully, but, still, it'll be some extra cash!...

Did I already complain about December being a tough month?

$30!

December 19th, 2006 at 11:47 am

...I am the "administrator" for our expat houses...that means I deal with landlords/landladies and process all payments...homeowners are supposed to bring me their receipts/invoices for processing...there's this one house that has the landlady from hell...she's very disorganized, doesn't want to pay for repairs, is late in paying security fees (eventhough we pay it every month as part of the rent!)...it is just easier for me to type/print her invoices and just ask her to come and sign them every 3 or 4 months than it is to explain to her every month that her payment hasn't been processed because she hasn't brought the invoices!...well, today she came to sign the first invoices for 2007...she gave a Xmas gift: a cheque for $30!...I didn't even look at the cheque, she said it was: "a little something", so I just thanked her and pocketed it...I certainly didn't expect ANYthing...much less $30!...I'm off to the bank to cash it...then off to yet ANOTHER bank (across the street) to put it towards a cc!...this one definetely goes towards the $20 challenge, because it was so unexpected!

***************
DONE! Smile

Wow! Nephew paid me $10!!

December 18th, 2006 at 02:27 pm

so, on judge's orders, nephew D is working...he got his paycheck last Friday and, paid cousin some $$ (part for the money he stole from her, part for those clothes she bought him...)...anyway, he paid me $10 towards his phone bill (so "only" $993 to go!...but, hey, I'm willing to give the guy some credit for at least (and at last!) trying!--no, I will not go soft and pardon the debt, either!

Should I be paying debt with that money??

December 18th, 2006 at 01:59 pm

I'm looking at what Xmas will cost...about $200-$250 ....that pays for my half of dinner and also for presents (sis, niece, Ale, cousin, friends, teachers, nanny, etc)...not really too much all things considered...still, $200-$250??...part of me says I should be paying off debt with that money, while another says if I don't spend some money doing stuff that is fun, I'll go crazy and burn out...I don't know which side to believe!...The money is already spent anyway, so, short of returning the gifts that have been bought but not given out yet (which is impossible for the most part, having been bought from informal businesses downtown!)...well, there's little I can do about it anyway...

Yet another part of me wants to go out and spend, spend, spend...but, I KNOW I need to shut HER up and throw her out the window if needed, so I'm not worried...plus, it's not like I have the money to indulge her, even if I tried!

Another job application to the US Embassy

December 18th, 2006 at 12:19 pm

I've sent so many the past three years, I'm starting to worry that they'll think I'm a terrorist just trying to get in! LOL!...I also got my docs ready to apply to an admin assist position at an International Organization...

wouldn't it be nice to start the year off with a new job??

Our sauce is ready!

December 18th, 2006 at 06:45 am

...almost, at least!...we went to the market yesterday and bought tomatoes, onions, cilantro, green peppers, some carrots and the special blend of spices for the turkey sauce (annato, sesame seeds, a special dried pepper- chile guaque, thyme, oregano, bay leaves,garlic) ...we went home and roasted the spices and chopped all the veggies...then back to the market to have it all processed at the mill (Ale had never been there, and thought we were going to see a WIND mill! LOL!)...then back home to cook it and add the salt and pepper...I kept trying to figure out what was "missing" and, then, it hit me: TURKEY!! ...the sauce won't take it's full flavor until the turkey has been cooked in it!...I let it cool and am freezing it today!...This means I'm already ahead with my Xmas cooking! --total cost for ingredients and processing: $5.90

Going into "school supply season" mode

December 15th, 2006 at 11:01 am

already typed the lists in Excel to see how many of "Y" we need to make 20 packages for Pre-K, 20 for K and so on...

Cousin went downtown today to buy some stuff that we ran out of last year....tomorrow we will go through our current supply and see what we have/what we need...our total investment this year shouldn't be more than $200, as we still have so much left from last year...

On Sunday we will start getting the packages ready....That gives us 2 1/2 weeks to get all packages ready....sale starts on Jan 3rd and ends Jan 10th...

this will be the first "additional income" for 2007....of course, as with the toy sale, it will not be included in my $20 challenge, as this is something that we already did anyway...

December is a tough month!