May 31, 2010

End of Month Update- May 2010

Pretty much flubbed all goals this month.

What *did* get done-
  • Paid rent (mostly)
  • Bought gas for car
  • Talked to CC companies (wasn't on list, happened anyway)
  • Bought Domain/ Hosting ($42/yr) for to build useful website on.
What didn't get done-
  • Everything else
Srsly. I turned in applications, had an interview, tried the motivated thing. No job, no writing done, I didn't even level my WoW character.

At this point, to say anything other than "Holy Carp I'm depressed" would pretty obviously be a big stinky lie. It has a lot to do with how I sell myself (or not) during interviews, cover letters, and on applications. After all, if I think I'm useless, I'll have a hell of a time convincing someone that I'd be a good addition to their company.

It also stops me from doing other stuff that needs to get done. I have a domain and hosting for a website, but nothing to put on there. My room looks like a soda bottle recycling plant, a library, and a tall chicks clothing store puked all over it. Oh, and I'm about 6 months behind on filing paperwork in my little folder of "wow, I has a big pile of debt". Heck, I have photos all ready to go for a couple different projects, and I've done nothing with them- it's too much effort to plug the camera into the computer and move the files.

Only good point to the no-motivation thing? I've no motivation to do *anything* requiring effort- so no physical self harm, just a whole lot of telling myself I suck. I knew the whole "super lazy" thing would come in handy some day.

So, yeah... May was pretty much a total wash. I owe dad closer to $2500 now, too.

One positive- I didn't hit my goal (because I really didn't try), but I did make about $15 this month from adsense. That's better than nothing, right?

May 28, 2010

Taking A Day Off

I'll be back Monday with how I did on my goals for the month (I'll give you a hint- it isn't pretty), but for today, I'm just going to not think about money. I'm also not going to spend money.

And unless it's family or a potential employer calling, I'm not answering the phone or leaving the house, either.

Ok, that's a slight lie- I need to go turn in an application down the street.

But mainly, I need a day off thinking about money, and I have a bunch of stuff to write so I'm doing that instead.

See ya Monday.

May 26, 2010

Building Something from Nothing- part 4

I got my first ever payout from the magical Big G today. $116 and some change.

And thanks to a super nice father (to whom I now owe both kidneys) it can all go toward interwebby- costs.

Unfortunately, I have *nothing* written. Less than nothing, even. So now I have to write.

After all, I can't get cool, interesting information out there for people if I haven't written it. Without information, there are no visitors, and without visitors there's no money. So for the rest of today (after I go do another round of applications so I can pay *real* bills) I'll be picking up (real, on paper) information, calling places, and taking photos. I'm going to walk around, see what I see, and try to figure out a couple different walking routes, or "things to do and see" for different lengths of stay.

Oh, I'm doing a travel site- did I mention that?

Anyway, I'll collect information, take photos and try out ideas for most of the rest of the day, then tonight I'll write, do some photo editing, and hopefully have enough to get a (very rough) site up by tomorrow. I can then flesh it out over the next month or two.

But by the end of the week I want at least 30 articles/ pages- enough that if someone actually stumbles into the site they have something worth reading. Visitors first, then money. That's what everyone seems to say, anyway.

So how am I planning to get these visitors? Well, first I need to have the information up there, obviously. Then I am going to do a little (or a lot) of article marketing- where you write articles with keywords related to the ones on your site and put them in article databases and various other sites with a link back to your own, main site- places like hubpages. I intend to use some "free" adwords money Google sent me- once I have enough information to make it worthwhile- it'll cost $5 to get that actually running though, and I'm not sure they'll let me do a campaign for just the $100 I'll have. But I can try.

I need to send out some kinda press release- which I also need to write- so that people in the community know about it. This one's going to have to wait a little while. I could probably get something in at the local free press, but I don't want to point people at a shell- that just feels dirty to me.

Which brings me back to writing. I think everything comes back to writing. Once I have enough written, I can do all of this. Money is not (right now) what's holding me back. What's holding me back now is me.

Oh, and if anyone is wondering why I'm using this money to build something rather than to pay bills (as I'm sure my creditors would ask if I told them)- this is such a tiny amount of money that it makes no real difference in my bills. It would just get absorbed, and I'd be back where I am now, only worse. So I'm building something with it.

Most of what I'm buying with this money lasts at least a year- domain name registry, web hosting, photo hosting (maybe). Some of it's mine once I buy it- though I might have to buy upgrades later- like ad management software. I'm not buying a WordPress theme (tho the site(s) will be built on WordPress), I'm not paying someone to design a spiffy site for me, and I'm not buying beer with it. It's more durable than food or gas, and should be better in the long run then throwing it after debt right now. Even if I only ever make back the money I spent (which seems unlikely, if I really work at it), I'll have more than if I just use the money for bills now.

And isn't more for less the whole idea?

Going to be late

Today's post is going to be a bit late- probably have it up around 1pm Eastern US time. I have some sleeping and some thinking to do.

May 24, 2010

The Idea of Nothing

I just had to turn down the chance to make $20. If my sister doesn't take it, I'm not sure what my dad's going to do, but it was an interesting conversation. It went something like this

Him: Want to make a quick 20 bucks running me around so I don't have to call a taxi?
Me: (silence)
H: Unless you have an interview, or something
M: No, just trying to figure out if I have enough gas to get over there.
H: Don't you have some cash lying around?
M: No...
H: What about your Credit Cards? You must have some money on one of them.
M: No, nothing available on my credit cards. I put a gallon in last week, and I'm trying to remember how far I've driven. I *might* have enough, but I don't want to get most of the way over there and run out.
H:No, that would be bad. You're sure you don't have any money? I guess I can call your sister and ask her then.

Gee, thanks. And to make it even better, about a minute after I get off the phone with him, I have my weekly chat with my buddies from Amex. They want to know if I can pay them my whole past due amount, since I've been with them ten or more eyars now with payments "like clockwork" and all. They'll even offer me this great hardship rate (which they may or may not be required to do by law), but I have to come up with a couple hundred dollars. Is there anyone I can borrow it from?

Um, hello? If I had anyone willing to lend me a couple hundred dollars I'd finish paying May's rent, put gas in my tank, and get $5 worth of fresh veggies. We still had the chat for a couple or 20 minutes. Fun fun.

Wonder what Visa thinks? I should probably take a call from them. You know, before they firebomb my rat trap car.

I really hope the G. money comes in soon. I'll use $20 for gas, soda, and veggies, instead of saving it for some un-named other online expense.

I still don't think my father quite understands what I mean when I say I have no money at all, though. I suspect he thinks i'm ducking driving him around. which is funny, because if I had enough gas to get the 26 or so miles to his place, I'd be on my way there, rather than writing this post.

Fork.

Oh, and speaking of this post, sorry it's late- I over slept, then had some drama.

May 21, 2010

Don't Leave Money Unattended

When I moved back from NZ I waited to close out my bank account there. I was waiting for some money to come back (and by some I mean around $1000), and couldn't close it out until then. So I set up with the nice teller to close it when the deposits came in.

Which of course, I then forgot about. This was 2007.

A couple of days ago I found my bank card from NZ and wondered- had that money ever actually transfered? Had it been lost? Was it (long shot) maybe still waiting for me over there?

No, Yes, No.

In NZ, it seems, after a set period of time without any use, they can close out the account, publish something in the paper, and I guess claim the cash. While there might be a way to get it back, I doubt it.

The thing is- This is not a NZ only thing. I'm sure that at least one of my accounts over here does the exact same thing. In fact, one account I don't think *does* do this might have been closed down because I never updated my address. Why did I never update my address? They required that I either come in person, or mail them a physical letter. Since the bank is in NY and I am not, that never happened.

That one I probably *could* fix with just a phone call or two, actually....

The point here? Forgetting to follow up with banks, even when it's pretty uncomfortable, or takes a bit of effort, can be seriously expensive.

May 19, 2010

Fairies Live in My Gas Tank

Well, maybe not really, but sometimes I wonder.

After spending my food money on soda, and my gas (and gas money) on a few social activities that only cost gas, I am out of money. My tank as close to empty (though how close I'm not sure, since I know neither how accurate my gas gauge is, nor an accurate MPG for my car). I do know that it was well under the 1/4 mark when I parked it in the (very) early hours of Monday morning, and that it is/ was above 1/4 again when I took it out Tuesday, with some intermediate inching Monday afternoon. This is a car I've been putting around 2 gallons in, then driving 60 or 70 miles.

I'm pretty sure mid-90's Ford Escorts don't get 35 MPG. I'm *really* sure ones that leak gas (sometimes) don't. I also doubt that random strangers are wandering my neighborhood at night, secretly giving people gas (though how cool would that be?).

So the only possible explanation is that fairies live in my gas tank, and my car runs on fairy dust. Got to be. After all, driving 70 miles, repeatedly, on less than 2 gallons of gas, then putting one gallon in, and having the gauge show almost half a tank again... If not fairies, then how?

Of course, it's also totally plausible that my gas gauge is seriously forked and I'll run out of gas while I'm out somewhere, merrily thinking I've got at least 10 miles left. Cars are sneaky that way.

May 17, 2010

On Priorities

Near the end of the month my *absolute current favorite* band comes within 500 miles of where I live. Near the end of the month Google is sending me a (sorta) fat wad of cash.

Naughty j would use that cash to see that band. Behaving j is using the cash to build websites to make more money so she can eventually see the band more or *in Europe* where the crowds are bigger, but also European.

Do I really want to be good? Nope.

Am I gonna be good anyway? Yep.

Why?

I want to live how I want someday. I want to be able to take off for Estonia because some random band is playing there, with out having to quit my job or wonder how I'll eat. I'm willing to behave for all of 8 months in order to cause international mayhem later.

'cause really? It's all about the mayhem.

Every time I write one of these things I realise how much easier those stay-at-home types have it. They just get a job and a 2 week vacation, and they're happy. Stuff tying them down makes them *happy*. Picking the sensible thing to do and then not feeling bad about it is easy for them.

Damn, I wanna see that band.

May 14, 2010

Building Something from Nothing- part 3

I don't intend to pay for any advertising- yet. Google, to try and get me hooked on AdWords , sent me a "card" for $100 in advertising. While it's not enough to drive any really interesting traffic, it *will* get me some at the start. Most hosting comes with some "free" advertising bundled into the sign-up, so I'll probably pick some up there too.

After that, though, I've got to bring the money in before I can send it back out. To bring money in I need real, organic traffic. To bring in that traffic I'll have to give in and do some (free) article marketing and some (bo-ring) SEO. Which means I need to do keyword research on my topics, in addition to normal research on them.

If I had the money and didn't care I could hire someone else to do it for me. Again, though, we run into the time, money, quality equation, and as I have no money I'll just have to spend time. Which is hopefully going to become a slightly more scarce resource soon. Until then, though, Ihave plenty of work to do.

After a month, I might spend some money on an ad at a genre site to advertise my review page. I haven't decided yet. They're full month ads on a pretty busy site, so I'd get some exposure, but it'd take up most of the rest of the money I've "earned" so far.

I can decide later. For now I need to write articles, search keywords, read books, think about layout, and a million other things. Oh, and I need to do life stuff too. Meh, who needs sleep, anyway.

May 12, 2010

How Much Do I Really Need?

In between dropping off applications and feeling worthless, I play around with numbers. I take what I owe and move it around, or take my monthly minimum payments and play with them, or play around with different levels of income, and what they'd allow me.

Lately, I've been working on "escape" numbers. How much do I *really* need to get out of here and take off on the life I want with little to no financial carnage left behind? How much do I need if I don't care about financial carnage?

Going with the bare minimum, of course, you need food, water, and shelter. In some countries this can be had for as little as $300 a month. I probably don't want to live like that, and it isn't my travel dream, but that's a minimum. Getting to a country like that requires both a passport and (usually) a plane ticket. In order to make that money the whole time, I'd need a computer, or access to one- about $400 up front. And, of course, if I don't get forbearance approved on my student loans, they would eventually freeze my accounts and just pull the cash from the bank, so I couldn't live on $300 a month for very long.

So then we try with little or no carnage, since a financial bloodbath is obviously not going to work for long.

Still need at least $300 to eat, sleep, and drink. Also need a passport, tickets to that cheap place, and a computer- let's say $1500 minimum to get there. Then I'd need another 1175 a month to cover minimum payments and what not.

Of course, ideally I'd have paid off at least one or two people I owe before I leave- one debt is under a thousand, one is just over 2k, and one is right around $3500. Knocking the first two out would lower my monthly minimums by $125. If I could get rid of that third one too I'm down to $1000 needed each month for paying back what I've borrowed.

So let's say I need between $1500 and $1800 a month for an OK kinda life, one with little to no financial carnage. The higher number allows me to actually live my wild dreams, a little bit.

Working my butt off, I could be at the point where I could take off on the carnage-fest within two months. I'm pretty sure no one in my family would ever talk to me again,though. That'd be bad, I (usually) like my family.

So my real goal, the one currently so far out I can barely see it and have no idea how to put it together, is to be ready to do the low carnage escape by the time my lease on this rat hole is up. I have until the end of January. The one coming up in about 8 months.

That's a lot of work to do. I want $2000 in savings, that's about $250 a month I need to set aside. I need a cheapy netbook so I can work where ever I end up, that's $50 a month. I need $300 a month after my expenses just to start this evil plan in motion. Right now I don't even have my expenses covered. I've no idea how the fork I'm going to do this, except it starts with me getting a job.

So that's what I'll do- get a job, then renew my passport, then get another job, then build other income- I have two or three website ideas to work on. I don't know that they'll ever earn anything, but eventually I should do alright. If I'm short when it gets close, I can always pick up jobs on elance, or sell body parts. I don't *really* need two kidneys....

May 10, 2010

Golf on a Budget

One of my goals is to travel the world, playing golf everywhere. Another is to actually be *good* ad golf.

Now, golf is expensive. It just is, right? But with everything, there's a cheaper way to do it. So what are the main expenses of golf? I count 3-
  1. equipment
  2. lessons
  3. greens fees/ driving range fees
So let's take a look at ways to cut back

Equipment-

To play golf you need a bag, at least 4 clubs, golf balls, tees, "appropriate" clothes (usually khaki's and a shirt with both collar and sleeves), some shoes and a glove.

First rule of saving money on golf stuff- Don't ever buy any equipment at the pro-shop on the course if you can possibly help it. Tees are cheap everywhere, but you can get a huge bag at most discount stores. Gloves run from $5 to who knows how much, but one will usually last at least a season, unless you play every day.

Khaki's and a polo shirt are in just about every guy's wardrobe, and chicks get a bit of a pass on the collar *and* sleeves thing. I usually wear an old button down men's shirt anyway, to keep the sun off. Shoes are, oddly enough, a bit of a fashion item. One pair lasts a couple years at least, so long as you replace thecleats as they wear down ($20 or less per set). In areas with a "no golf" season shoes go on sale. They also go on sale when the next "season" of golf gear comes out.

Clubs and bags seem to be the biggest expense for most people, the thing that keeps them from even trying this "golf" thing. Luckily, there are a lot of people out there who upgrade their clubs regularly, and need to get rid of the old ones. Here in South Carolina garage sales, thrift stores, and church jumble sales usually have a set hiding somewhere, usually for less than $60, and more often around $30. Usually includes the bag, too. They might not be the best clubs ever, but they work, and you can use the same hunting method to upgrade slowly as you get better.

Balls- You don't need sleeves of snazzy $20 balls. You can pick up a bag of "used" balls for less, or even use generic balls. Out on the course, keep an eye out for balls other players have lost, and you can easily finish a round with at least one or two balls more than when you started.

Lessons-

Private lessons are expensive! They're great, but not on a budget. Luckily, group lessons are cheaper- both through golf courses, and city, county, and university recreation programs. One school I went to had a 6 week summer course for $55, and I think that even included clubs. Eventually you might get good enough to need private lessons, and then one or two could be what you need. But when you're just starting out private lessons are too much.

Green fees/ Driving Range fees-

This is the area with the biggest potential for savings. You only have to buy clubs once in a while, and lessons are really only needed until you have some idea what you're doing. But you can't really play golf without a golf course.

So how do you save money on golf? Part of it depends on how often you play, part on where you live, and part on how much you're willing to do to get a good deal.

First, easiest way to save money is to only play on courses that allow walking, and then walk. Cart fees, even at the cheapest courses, are usually at least $1 a hole- that's an extra $18 + tax for a round. $18 is a round of golf. Walking will save money. It also allows you to wander the edges of the fairway for lost balls. Double win.

Don't play on weekend mornings. Weekends are higher anyway, because both tourists *and* locals want to play golf on weekends, and golf in the morning is just better. As the greens dry out over the course of the day they play differently, finish your round while they're still covered in dew and haven't been trampled and your game goes much better.

Play in the evenings- some courses (all my local muni courses, for example, or all the city courses in Los Angeles) have a special "twilight" rate. This has nothing to do with the books, and everything to do with changing light and a risk of not finishing before dark. Most people want to go home and watch TV after work, but if you're willing to hit the course, After 4,5, or 6pm rates drop- sometimes dramatically.

Get a job- some courses (Kiawah Island, for example) offer special rates for employees, either free on set days, or (in one case I can think of) 90% off if there are spots. $15 to play a $150 course isn't bad, but it requires more time than just playing later in the day.

Also worth looking at are "Par 3" courses. They're good for practicing on and tend to be *much* less expensive.

For affordable driving range fees, look for courses that offer discount cards, and buy in "bulk." These tend to be "use it or lose it" deals, but can usually save you 10% or more. Also, check around- sometimes semi-private clubs will be less expensive per bucket than municipal courses. they do usually have more restrictions, and if you show up every day for a month might start wondering when you're planning to join.

Speaking of- if you have an affordable club nearby, look into joining. In the last place I lived, $450 or so would buy unlimited golf for the year- running usually from April to November. If you play every day, though, and live in an area without many affordable courses, joining a club might be the way to go. But since most people don't play *every day*, this isn't a good choice for them. Only really dedicated players will save anything this way at all.

For now my golf budget is zero, so I'm not playing at all. Hopefully by the end of July I have enough spare cash to cover a bucket of balls a week, and by the end of the year I plan to be working the rest of these ideas. Heck, I already have the equipment, might as well use it, right?

May 7, 2010

Crap Jobs are Tough to Find

You wouldn't think it'd be that tough to find a job. I mean, everyone has crap they don't want to do. They pay other people to do it. All i'm looking for is one mindless crap job that pays enough to cover the rent and some random life expenses. I can work on the rest once I have that first one.

Somehow, through lack of caring, I've managed to end up with a very thin band of jobs that people are willing to hire me for. And in the rather inbred world of Charleston, that list is even shorter. Can't just have receptionist experience, has to be *exactly* that business type- to the point that there are places looking for not just medical front desk experience, but *in that exact specialty*.

I know that there's an over abundance of labor in the area, but really? There are places looking for jobs an actual baby monkey could do, and they want someone with a degree for it- oh, and they'll pay them the princely sum of 8 dollars an hour. WTF

So back I go to server jobs. Because I don't think anyone's ever going to claim you need anything more for a server job than a halfway decent memory and the ability to lie at the drop of a hat. And I can manage both of those.

It should be clear from my "job type" goal that I'm not looking to build a career here. I think I'd honestly go bat sh*t crazy if I had to spend the rest of my life here. But I do need enough money to get me to February. Well, and let me build my "something from nothing."

Meanwhile, I'm not even hearing back from fast food places.

Oh well. I'm sure something will happen eventually- either I'll get a job, or I'll give up and run off, all irresponsible-like. I'd almost rather have the job.

May 5, 2010

Super Single Girl Money Saver Number 3- The Library

I'm sure this one should be pretty obvious. Books are expensive, and you can't rent them.

I am a big time reader. Left to my own devices I'd read 16 hours a day- well, if I could find enough books that hold my interest all the way through. Even with limited time I burn through anywhere from 3 to 10 books a week in novels alone. Add in cookbooks, random research interests, travel guides, and the odd bit of serious literature and I save at least $200 a month by borrowing instead of buying.

The library offers other savings, though. Sure, books are great, but not everyone's a reader. My current library has movies, all the libraries around here do- mostly on DVD these days, but some tapes as well. There aren't a whole lot of new releases, so I'll need to use one of the movie vending machines if I *just can't wait*, but there's a pretty good selection.

Don't like movies, or your library doesn't have them? What about language tapes? Books on tape or CD to listen to while you drive cross country or commute to and from work? People who's whole job is to help you find information? You know, like when you want to know what you need to get a passport, or where to start on some project for work or school or fun. Already paid for.

What about office equipment? Building a business or just moved? Need a couple copies, or a print out of your resume? Hello library- usually only 5 or 10 cents a page for either one. Saves the cost of buying and feeding a printer or copier. Most libraries have free wifi, even and it's cheaper than Starbucks. My local library also has about a dozen computers with internet for patron use. Visitors can buy a one day pass, but members (after signing a release and agreement not to look up anything illegal) get to use them for free. So if this computer goes boom (please no, oh please oh please oh please), I'll still have internet access without having to drug my roommate and steal his computer to get it.

Different libraries offer different "extras", of course- one nearby does showings of the Met Opera (for free)- but they've just about all got books. And that alone is a huge savings for me.

May 3, 2010

Start of Month Update- May 2010

I'm going to start doing updates- one at the beginning of the month, and a follow-up at the end. Here at the beginning of the month I intend to set out my budget, savings and debt pay-off goals, and any money making goals, with steps (hopefully) to meet them.

Then at the end of the month I'll give a quick breakdown of how I did, and any unexpected happenings- extra cash, bonuses, trips to the doctor, that kinda stuff. So here I go.

Budget-

At the moment my budget for May doesn't look good. I have about $250 in the bank, and I still need to pay rent ($350). Just about all "fun" is suspended until I have a job. I have $15 at ING right now that I'll be moving into my working account as soon as I can transfer it. I should have that available Friday.

Anticipated spending breakdown-
  • $350, Rent
  • $20, Internet
  • $15, Gas
  • $1, Lotto (scrounged change)
Bills that will get paid if/ when cash becomes available (in order of personal importance)
  • $50, Fed Loan 1 (x2, then defer)
  • $15, CC1
  • $100, S. Mae (x3, behind)
  • $300, Other Student Loans (if in repayment, est.)
  • $365, CC3 (x2, behind)
  • $235, CC2 (x2, also behind)
  • $100, Dad
Estimated total to bring everything current is 2450, and that's without any savings and short about $50 in gas. Real total needed is $2500 after taxes. In reality, I will go as far down the list as possible, paying the current month's due only, plus $50 or $100 of the back amount. That brings my total needed to a more manageable $1850 (max), while simultaneously trashing my credit and keeping the fed from garnishing my wages.

Savings and Debt Goals-

These are pretty easy-
  • Don't get in more debt
  • Save $20 if I can
  • Get all bills to within $200 of being current
  • Get deferral/ forbearance paperwork sorted and sent in
Income Goals-

These are further broken down into two groups- Real Life Income and Online Income

Real Life Income-
  • Get two jobs (probably server jobs) earning at least $250 a week each (at minimum wage, that's about 34.5 hours/ wk each) by 7 May 2010
  • Increase each job to $300/ wk by end of May
Online Income-
  • Earn average of $10/ day for month. Some will probably come from AdSense (<$1/day), some from Amazon. Most will probably come from freelance writing.
  • Write at least 20 articles for each of 2 (pre-chosen) article publishing sites
  • Claim (and write) at least one paid article each week from both AC *and* Seed.com
  • Write 20 articles for informative website
  • Set up, optimize, and begin posting on book review site
  • Add a "recommended" page to food blog
Other Goals-

I have some other things as well that I need to work on. As with most things in life, they have something to do with money, but maybe not directly.
  • Reconcile savings and debt repayment goals with actual life goals
  • Make motivational calendar with "Move!" date on it
  • Work out minimum budget for big golfing trip, moving slow and camping
  • Come up with 15 story ideas and turn one into a finished draft >25,000 words
  • Clean and organize room once a week on "day off"
Okay, I think that's more than enough to work on for one month. It's only about 30 days, after all, and a couple are already gone.