Got paid for some translations on Saturday, half an hour later, I was "poor" again!...I went straight to the bank and paid it towards the personal loan...the sad news is, a payment was due on Sunday, which means that I'm back to where I was on Friday....the good news is, at least they are seeing a will to pay (important! If they see payments, most banks will NOT report you to the credit bureaus!) and, also, the delinquency level keeps my account with the banks collection agency, it doesn't escalate to their legal department or to an outsourced collection agent (because then they start CHARGING you fees for every call you receive!)...
I'm still pending some other payments, so...

The translation they sent yesterday night will bring $68! - woo-hoo!...
just a short lease contract, and it took me about 2-3 hours....I could hear their minds going ca-ching! when they asked me if I worked nights and I said "Yes"....most people will not work on a document received after 6...but then again, this is my 2nd job...and, mostly, I start working on it at 8:05pm, right after DD is put to bed (8:00pm is her bed-time!)

woo-hoo!...Place #2 for translations called with 2 good news: 1. my check will be ready Friday and 2. they need more translations, which they will forward to me tonight!...

woo-hoo!...this one will go straight towards the loan!!...I might be current before the end of Sept!

That's all that's left in my account until next payday, which is NEXT Friday!!...unless I can collect on those translations...scary, but, nanny's paid, school is paid, the car has a full tank (well, semi: 3/4 full!) and I don't have to buy any groceries until the 25th- next Saturday- so I should be ok.

Of course, there's the matter of those overdue loan payments and the calls from the bank, but, since I know where the money is (eventually) going to come from (translations), I'm not panicking...

well, I am still owed about $320 for translations...since the people I did the work for were supposed to get paid last Friday, I'm calling today to see if my payment has already been processed...

Call #1:The person in charge wasn't there...will try to call in the afternoon!

Call #2: The payment should be ready this Friday (17/Aug)...we'll see...

Call #3: The end customer still hasn't paid!

If I'm going to catch up/beat my debt, I need at least $100/month worth of translations...I need to get moving and get more contacts!
(at least, now I have 2 new contacts, so that should help...although I know they won't be sending work my way every month, I know that once in a while I will get something from them... plus, the second contact was a referral! )

The $$$ is starting to flow!!...$326.73....so, I'll take out the $55 I'm pendig of paying to Ale's school for her enrollment fee and the $53 for the uniforms/shoes...leaves $218.73...to be distributed as follows: $80 to catch up with 1 payment for bank loan...$100 to cc1 so it's up to date (yipee!! I had until Aug 18 for this payment!!)...$25 to cc2 (to remain up to date and pay a bit over the minimum for this month)...that leaves $13.73...$10 should go to the Children's Home...and, if I add $2.27 out of my own pocket, I have enough money for a trip to the Children's Museum, including the new Planetarium, for Ale and myself during the holidays!(they will be open!)...

It's a plan!

...I´ve been asking for extra money and, yesterday I got an email from my previous job inquiring about a translation for this weekend (they haven´t sent the document yet, though) and, today I got a call to go do a job for a documentary producer (just voice over)...those are fun and generally well paid!...so, tomorrow I´m supposed to go there at 9am...I´ll probably be home in time to cook lunch and, they generally pay within 15 days! woo-hoo!!

ok, a list of $$$ that is "pending" coming in:

$172 - income tax return (STILL!)
$74 - translations
$261 - translations

I DO hope I get this before the 16th!...it's all allocated to debt already!!

Only about a 100 times, I think!...
well, my best friend called yesterday because they need some translations at the place she works. I quoted her $570 (it is about 40 pages)...since it's over %500, she has to get two more quotes...so, now I'm waiting to see if I will be the one to get the assignment or whether someone else will give her a better offer ...I hate waiting!!!...it would be SO great to get it!!

1. Control expenses and make sure total is at or below budgeted amounts for category/month, any “leftovers” in categories will go towards debt!...well, I went overbudget in: House (1 additional rent payment to be up to date), Fun, Other, Events (due best friend's wedding!) and Debt (this is actually good, since it means I "spent" more on paying down debt than what was budgeted!)


2. Continue to lower my overall debt - I started Jan 05 with ~$17K and Jan 06 with $~11K (with ~$8K for a loan and ~$3K in cc debt)... Jan '07 started with $16.5K …. Expect to pay about $5K this year- not counting interest! balance for 31/dec was $16.5K, balance for 30/jan is $15.5K

3. Start my own business– formally: E-Spiral is the name, translation is our business (G-d and Ale are my partners!)… and contact at least 4 new potential customers per month, so as to find 50 pages of translations per month in 1Q07, getting to 150 in 4Q07…. From Jan – July: 40% of each job will go towards debt, 40% back into the business, 10% into savings (to fund my Freedom Fund!) and 10% to the Padre Vito Guarato Home. From Aug-Dec 07 percentages to be 30,40,20,10 ….hopefully, I’ll be able to quit my current job by mid 2008!! Contacted only 2 new customers, and worked on my presentation for the Min. of Tourism, which should have been delivered today, but I ran into some technical trouble with the music...

4. Help Ale earn/save $25 for her savings account by 071231!...she earned $5 for her help with the toy/school supply sale...but, took away $0.85 to replace the colored pencils she lost!

I'm proud to say that on Saturday I took my laptop with me and worked on my presentation to the Minister of Tourism...all it needs is some music..now I need to work on my cover letter, too!...once that is ready, I'll burn a CD and drop it by the Ministry...my deadline is next Tuesday!...I will work on the music today and tomorrow (first find something appropriate, then put it in)...
wish me luck!

well, so far I've made 2 contacts (out of "required" 4)...this weekend I'm planning to tune up my presentation for the Minister of Tourism and, the plan is to drop it off at the Ministry no later than Wednesday next week!...
This year, actively seeking translations for the E-Spiral will be my $20 challenge...wish me luck!

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))

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!

Well, to start the business "formally", I decided to quote computers and see if I can get one from the translation that I'm working on now (that would be sooo great!...since I didn't have that budgeted for anything, it would be so great to use it to start the business!)...I called our IT guy (the one that we bother, er, call whenever we need things done ASAP!)...he told me to send an email to another of our IT guys --also well known in our dept!-- and let him know what I wanted, and that he could get one for me "really cheap"...so, I already wrote to him...I also have other quotes and several newspaper ads...while all of this seems a bit unreal, it feels good to actually research and "get serious" about the business...

I told Ale yesterday that we are going into our own business, she and I and God...she was very excited, and asked: "what's my job?"...I told her I didn't know yet, but that I was sure we would find something she can do that will contribute...(might give her the "accounts payable" job...now that she can read, I could post a calendar with dates/amounts/bills to be paid so she can remind me....how does that sound?)

1. Control expenses and make sure total is at or below budgeted amounts for category/month, any “leftovers” in categories will go towards debt!


2. Continue to lower my overall debt - I started Jan 05 with ~$17K and Jan 06 with $~11K (with ~$8K for a loan and ~$3K in cc debt)... finished Dec 06 with …. Expect to pay about $5K this year- not counting interest!

3. Start my own business– formally*: E-Spiral is the name, translation is our business (G-d and Ale are my partners!)… and contact at least 4 new potential customers per month, so as to find 50 pages of translations per month in 1 Q07, getting to 150 in 4Q07…. From Jan – July: 40% of each job will go towards debt, 40% back into the business, 10% into savings (to fund my Freedom Fund!) and 10% to the Padre Vito Guarato Home. From Aug-Dec 07 percentages to be 30,40,20,10 ….hopefully, I’ll be able to quit my current job by mid 2008!! …(did I just type that??)

4. Help Ale earn/save $25 for her savings account by 071231!

*Wow…putting that in writing was scary!...I guess this is that famous first step in the journey of 1,000 miles!