Spent - $296.55
Auto - $165
Coffee - $3
Entertainment - $3.99
Food - $15
Medical - $109.56
Made - $30
$30 ING Referrals
Click here to see how I did last week.
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Sunday, July 6, 2008
Weekly Financial Round Up 07/06
Obviously, this week was not pretty. I had several unforeseen expenses and no real opportunity to make extra money. The one good thing, though, is that being on bed rest really does help your coffee and eating out habit. I've been using this time stuck on the couch to go over my finances and come up with a better plan to pay off my debt. I have been off track for a while now, and that needs to change. So, it's time to knuckle down and fix my mistakes!
Click here to see how I did last week.
Click here to see how I did last week.
Saturday, July 5, 2008
Totaled
Well thats that. My beloved Kymco Agility was totaled in the accident. I might be able to recoup a little money from it by selling it for parts, but it is essentially gone. This will make meeting my Networth Goals pretty hard as my scooter was my only real asset that I counted.
This is one of those times where I am really, really rolling with the punches. Now, in all fairness if I had kept driving my Pontiac Grand Am, I would have needed to spend about $4500 in the last 19 months on travel expenses, of which a huge portion of that would have been insurance. I paid about $2750 or so for my scooter in the same period of time, lowering my travel expenses from $237 to $145 a month. Of course, the longer I had the scooter, the lower that average would have been.
So for the time that I had it, it was worth it and it did pay for itself. I just expected to get a lot more use out of it than I did. I am also still paying off the loan for it, which just hurts. But I have recovered from harder things than this.
My friend Bret is working on whether a spare car of his can be repaired for me so that I will have something to drive for the next few months.
A word of advice.... if you ride a scooter and you aren't required to get insurance, get it anyway, so at least your bike will be paid for if something happens to it. I would hate for anyone else to go through what I've been through in this last week.
This is one of those times where I am really, really rolling with the punches. Now, in all fairness if I had kept driving my Pontiac Grand Am, I would have needed to spend about $4500 in the last 19 months on travel expenses, of which a huge portion of that would have been insurance. I paid about $2750 or so for my scooter in the same period of time, lowering my travel expenses from $237 to $145 a month. Of course, the longer I had the scooter, the lower that average would have been.
So for the time that I had it, it was worth it and it did pay for itself. I just expected to get a lot more use out of it than I did. I am also still paying off the loan for it, which just hurts. But I have recovered from harder things than this.
My friend Bret is working on whether a spare car of his can be repaired for me so that I will have something to drive for the next few months.
A word of advice.... if you ride a scooter and you aren't required to get insurance, get it anyway, so at least your bike will be paid for if something happens to it. I would hate for anyone else to go through what I've been through in this last week.
Saturday Handy Tip - Photocopy Your Wallet
Once I thought I had lost my wallet on top of a mountain at two in the morning. I panicked. Everything was in there... my license, my social security card, my credit cards, my immigration ID. Losing it was unthinkable. Thankfully, my friend found it in the morning under his couch.
Everyone goes through this at some point. They either lose their wallet or have it stolen. To make it more bearable and easier to handle, photocopy or scan the front and back of everything in your wallet. All of your credit cards and bank cards will have a number on the back which you can call to report your card lost of stolen. Having all of this information will greatly speed up freezing your accounts and replacing your missing items.
You might also wish to tape something inside your wallet that says "If found, please call ..." with your telephone number. This way if an honest person finds it in, say, the parking lot of a car dealership after your car broke down in the rain and it fell out of your purse, they have an easy way to reach you.
Previous Handy Tips
June 28th - Power Strip Your TV
June 21st - Overcome Writers Block
June 14th - Salad Dressing Hack
Everyone goes through this at some point. They either lose their wallet or have it stolen. To make it more bearable and easier to handle, photocopy or scan the front and back of everything in your wallet. All of your credit cards and bank cards will have a number on the back which you can call to report your card lost of stolen. Having all of this information will greatly speed up freezing your accounts and replacing your missing items.
You might also wish to tape something inside your wallet that says "If found, please call ..." with your telephone number. This way if an honest person finds it in, say, the parking lot of a car dealership after your car broke down in the rain and it fell out of your purse, they have an easy way to reach you.
Previous Handy Tips
June 28th - Power Strip Your TV
June 21st - Overcome Writers Block
June 14th - Salad Dressing Hack
Friday, July 4, 2008
Networth Update - June
Well the results are in and my Networth went down from May to June. It only went down by 0.51%, but I was still hoping to make more of an improvement.
This was mostly due to me putting some items on my credit card. I also had to pull my emergency room copay from my emergency fund. I can't seem to get my American Express paid down. I think the problem is that I haven't been in a position to pay extras on it for a about six weeks now. Hopefully that will change in the coming month or two as I get my finances under control. If I do manage to sell my business, that injection of cash will hopefully have a snowball effect so I can get things moving again.
I'm again feeling better today than yesterday. I'm still tired all the time, but I woke up with a smaller headache today than yesterday. I think that going off the Vicodin that quickly is a very good sign. I can bend the fingers on my left hand all the way today as well... they had been a bit claw-like all week.
This was mostly due to me putting some items on my credit card. I also had to pull my emergency room copay from my emergency fund. I can't seem to get my American Express paid down. I think the problem is that I haven't been in a position to pay extras on it for a about six weeks now. Hopefully that will change in the coming month or two as I get my finances under control. If I do manage to sell my business, that injection of cash will hopefully have a snowball effect so I can get things moving again.
I'm again feeling better today than yesterday. I'm still tired all the time, but I woke up with a smaller headache today than yesterday. I think that going off the Vicodin that quickly is a very good sign. I can bend the fingers on my left hand all the way today as well... they had been a bit claw-like all week.
Thursday, July 3, 2008
Healing Slowly
I am trying to survive today without the shoulder immobilizer and without the vicodin, but still taking huge doses of ibuprofen. My bruises have all come out and they are a landscape of intricate color variations. I am still a little fuzzy from the accident and still don't remember it. Now I have to start thinking about the fallout.
Financially so far, I have had to pay my emergency room copay and pay for my prescriptions. I still have to pay for my scooter to get out of impound and I will probably have some kind of copay for my follow up with the orthopedic surgeon on tuesday. All of this went on a credit card that I had made good progress in. I am pulling money from my small emergency fund to cover these costs and pay back that card. Honestly, though, this would have been so much worse if I didn't have health insurance. I will also have to buy a new helmet, and I will probably go for a slightly different model. I would like a helmet like this
My helmet was completely destroyed in the accident, and although it saved my life, the graze on my neck that hurts so much would probably have been prevented if I had a modular helmet.
I should be able to write more and more each day as my body gets stronger.
Financially so far, I have had to pay my emergency room copay and pay for my prescriptions. I still have to pay for my scooter to get out of impound and I will probably have some kind of copay for my follow up with the orthopedic surgeon on tuesday. All of this went on a credit card that I had made good progress in. I am pulling money from my small emergency fund to cover these costs and pay back that card. Honestly, though, this would have been so much worse if I didn't have health insurance. I will also have to buy a new helmet, and I will probably go for a slightly different model. I would like a helmet like this
My helmet was completely destroyed in the accident, and although it saved my life, the graze on my neck that hurts so much would probably have been prevented if I had a modular helmet. I should be able to write more and more each day as my body gets stronger.
Wednesday, July 2, 2008
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