January 31st, 2008 at 04:15 am
I sat down this morning to figure out how much I could pay on the mortgage payment that is due tomorrow. I want to pay $604.16, but looks like I'll only be able to pay $307.48, maybe a bit more depending on how much overtime is in DH's paycheck. But that's more than the minimum I have to pay of $235.34 so I guess that's better than nothing. The oven repair set me back this month and then the unexpected ER visit and DD#2's new medicine that she's taking for migraines.
I should be getting my first paycheck for the new bookkeeping job in a couple of weeks, so I'm planning on putting that on the mortgage.
And I've been told that I may be getting another bookkeeping job. I guess the librarian at the library just across the border in NY state is pushing for me to do their books for them. I went over a couple of weeks ago and helped her treasurer get their QuickBooks set up. When she heard that I do a monthly report for the libraries so that they know what they're spending, she was interested. Right now they pay an accountant to do their books. All he does is figure payroll and then inputs the yearly information into the annual report. He doesn't give them a monthly report so she never knows exactly how much she's spent on collection items or anything else for that matter. So keep your fingers crossed that she can convince her board to hire me!
January 29th, 2008 at 03:55 pm
We've had 2 expensive days in a row. Yesterday we spent $46 on a new prescription for DD#2. She's been having migraines lately and the doctor wanted her to try a couple of new medicines. So a trip to the drug store resulted in being $46 poorer.
Then, of course, the ER trip last night wasn't cheap either. We haven't paid anything yet, but we have a $55 co-pay so that bill will be coming in the mail, plus any fees from the doctor that we'll have to pay $20 toward.
Today we had to have a repairman come and fix our oven. It needed a new ignitor. I was thinking it would be about $65 or so. Ha! Just to have him come out was $85 and the part brought the total to over $150!!!
Guess my first paycheck from my new library bookkeeping job will go to pay for the oven. Bummer!
January 3rd, 2008 at 05:28 am
I updated my goals and debt totals for the new year. I decided to focus on only 2 goals this year: get total debt below $60,000 and get the smaller mortgage paid down to only $3,000. Wouldn't it be great if it was totally paid off this year! That gives me something to really strive for.
I've picked up an extra bookkeeping job this week for one of the libraries in the area and have the possibility of another that I'm going to find out more about this week. That will give me extra money to apply to the mortgage each month.
My bookkeeping business has tripled in the past couple of weeks! Either word of mouth is going around or treasurers are getting desparate and realizing that with the end of the year passing they need to get their books in order for Annual Reports to the state! LOL! So I'm putting in a lot of hours at home on these part-time jobs.
The first library that asked me to do their books had not even balanced their checking account in at least 2 years! It took me 6 hours to get them straightened out and so far, another 5 to get a financial report designed to meet their needs. The treasurer told me that she didn't pay the 3rd quarter payroll taxes because she "doesn't understand them". What????!!!!! You don't just NOT pay the government!!! Yikes!!!