Monday, July 16, 2012

I Need to Get Back on Track

I think the title says it all.  Lately, I've been very frustrated that my finances are a messy shambles.  I've been getting very tired of living paycheck to paycheck, having no clue where my money goes, or how much I spend in any given day, week, or month.  Scrounging around for loose change to tie me over until next payday was really hitting the bottom of the barrel.  Today, I finally paid my cell phone bill, so now I have access to the Internet on my cell and tablet.  AT&T has been a real "pill" about their bills.  They shut off my service with the bill only 15 days late.

On the left is a photo of book similar to one I bought at Staples today.  Starting tomorrow, my goal is to record ANY and ALL expenses made on a daily basis (anything from bills paid, to buying a daily newspaper.  I need to know where my money is going.  How is it a single guy with my car, family,  addictions, or other expenses, can't seem to keep money in the bank.  I'm getting older now, I need to keep better track of how much money I spend and where my money goes.  Right now, my goal is to carry this booklet around (the way I do with my calendar booklet).  Hopefully, if I keep track of all of my expenses for 4 or 5 months, I should begin the Year 2013 being able to create a realistic budget, and a better understanding of my finances.  I do know one of the things I'm going to have to stop doing is spending hundreds of dollars on school supplies and resource books.  Every school year, I start off spending 1 ~ 2 thousand dollars on classroom materials and supplies.  I'm not doing that this coming school year....I can't afford to.

Exercise has been another inconsistency.  Although, I've been running from time to time, I haven't been consistent with it.  Strange that my body has adjusted to the hourly runs so quickly, but hasn't shown real results. 

I just finished reading "Daemon" by Daniel Suarez for a book club I joined recently.   The book was okay.  It turns out the 617 page book was only the first part of a two part book.  Even though it ends with a bit of a cliffhanger, I have no interest to read the other half of the book.

I could go on, but it is past midnight.  I need to get up early so that I can do my morning run.     

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