I haven't paid anything to debt since my last post :(
I spent money in business, new desks, chairs and staff. It cost me $2700/month to cover the expenses just to run the building with rent, heat, hydro and staff. I'm going to have to make changes to that for January when things are a bit slower.
I still do not own a washer and dryer, ugh! I hope to take last weekends pay to purchase that.
My Christmas shopping is almost done. I spent about $500 so far between 5 people. I probably spent about $15 or less on decorations this year. I just pulled out all my old stuff from the attic.
I've spent the last 2hrs going through debt blogs, watching debt videos and trying out the online surveys (no luck there)
My gas bill on the office right now is about $700+. I still haven't got to paying the $500 deposit is why it's so high. How aweful it was to open a $700+ gas bill!
I have a problem paying bills on time. I need to work on this. I'm not very organized. And in the last month I have had no idea how much money I have made and where it has all gone....not on my bills as far as heat and hydro go on both the house and biz :( I need a better plan there
I spent less than $10 on groceries today after going to the bank and seeing I have about $500 in my account. But, I did pay my January rent on the house early so that's taken care of. I hope that in the new year I can be better organized and keep track of these things better.
I need tro set some new goals -- and stay disciplined/focused
Total debt paid: $26, 548
How I Started Investing
18 hours ago
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1 comment:
Take my advice with a grain of salt, but you should try tracking your expenses in a spreadsheet, and matching it to your budget category
Or at the very least, make a quick list of all of your bills, the due date for each of them and mark it on a large calendar (all 12 months) with a red dot or X or something and a note of what bill is due when, and approximately how much
You need at least 3 - 6 months of expenses to properly estimate how much you MAY need to pay next month.
Here is an example of my budgeting spreadsheet I used to clear my debt.
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