Starting Over With the Plans, Again
My plans were all laid out, but I allowed myself to get derailed by life. I am currently working to correct it. The recent changes brought up something that makes me wonder about why they got derailed. I find myself wondering how strict I have to be in order to get them back on the right track.
$20,000 A Year is Over Estimating
I recently did the numbers for retirement and figured ten years at $20,000 a year. That's $200,000 for ten years of retirement. I'm thinking I can manage off of $10,000 a year since I've managed to live off of it several times in the past.
Saving for Retirement..
I am way behind on this at never mind how old I am. It is time I stop letting things interfere and begin figuring out how much money I'll need when I can no longer see my screen to work. What would I need to survive if I lost all of my income tomorrow? Let's go over the numbers.
New Savings Goals
It's almost Christmas once again, but that's not what I'm attempting to save money for at this time. My savings goals are much bigger. In putting this post together I ran across one from 2011 that seems to fit with I am aiming for so I included it. The different colors are the notes and updates that are current, and today's post.
August 17th, 2018
I am looking through old blogs and finding posts that relate to my current situation. This post from October of 2012 reflects how gas prices were at the time. Currently they are about $2.55 a gallon on average.
I am looking forward to a visit from a friend, and have been for months. It is that or I take a trip to visit. I'm sure about how either of these things will work out but I'm in the process of attempting to find out. There is a lot to do in order to prepare, but I am at a lost when it comes to starting.
My income has become less consistent in the last few months. It is to the point where I am skipping things just to make ends meet. I am actively searching for work, any work to keep my head above water. The results so far are almost non-existent.
Things to Take Care OF:
How am I increasing my income?
I have put in a couple of applications at writing sites, and am using sites that I used years ago. The problem when you do not use a skill it is possible to lose it, or lose confidence in your ability. I am working to get my skills back to where they once were so I can once again make a living from home and actually cover expenses. I am currently working every angle possible including this website.
Schedule and Organization
My daily schedule looks like hours full of cleaning, working and looking for work. I am slowly but surely meeting my goals. My day is broken down by my goals. This makes it easier for me to focus on what is going on around me.
What goals are you working toward?
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Past Budgeting Woes
This site came together out of a need to organize past, present and future. I have neglected and put off actually completing a website for years. There are several reasons for this:
May 06th, 2018
I was looking through posts from 2012 and came across one talking about the price of gas. During September of 2012 prices were at 3.50 a gallon on average. Right now it's about 2.50 a gallon on the low end of the price range. That's out of my budget range, but we will make it work. Let's figure out how we are going to achieve making it work.
Controlling The Budget
It is time to examine the budget again. It is time to determine what can and cannot be controlled. In recent years it has dawned on me that I there are times when I pay more attention and exercise more control over my budget than others.
I began wondering why this was. I also wanted to know when it was so I began to examine those things which I can and cannot control.
Saving Money On Books
Reading is something that I enjoy a great deal. I also want my child to enjoy reading and that is difficult considering that she is hooked on electronics. She is to the point that she mostly reads signs, rules and instructions which is actually a good trait. Her reading comprehension is fine as long as it is something she can follow, when it comes to tests at school they are read to her and she is given choices for the purpose of getting them completed in a timely manner. I just don't have a fortune to spend on reading materials.
I'm cheap what can I say?