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Post-Move Finances

February 10th, 2012 at 09:49 pm

Hi everyone! I know some of you have been looking forward to hearing from me since we moved.

The move went well! I won't go into super details, but we are doing great! Almost everything unpacked, and we are on our fifth night here. I've worked three days at my new job. Basically, it's a dirty job. Dealing with dumpsters of trash and recycling, picking up garbage, etc. But, it's easy, it's good pay, and I may not be doing it for long...

The guy that I replaced is such a screw-up that I may be replacing him again! He was moved to the next position up, because they needed more people to work on getting apartments ready for move-in. When he was working my job, he left the dumpsters overflowing, didn't get certain things done, etc. What he's doing now basically includes painting and blending. Say you've got a hole in the wall from a picture nail. You fill it, let it dry, then fill it some more if it needs it. Then paint over it once it is flush with the rest of the wall.

Apparently he has not been doing well. Cracks in the paint, holes, not using tape to cut-in on different paints, etc. So, I heard thru the grapevine that our supervisor will be asking me next week to help do turns (what I just explained about making apartments move-in ready) with him. That basically means he is going to train me for the position that is above my current one. Hopefully that means that I will be able to receive a pay raise here soon.

Everyone I work with is very pleased with my work. They say they don't worry about something getting done with me at the helm. They say I picked it up faster than anyone else they've trained. Etc., etc. Makes me feel good!

As for the finances... Oh, boy! I'm not happy with the situation we got ourselves into, but we should be okay. Basically, we are in the same boat now that we were a year ago (a year ago, exactly, actually).

Here's the somewhat break-down:
Total Moving Expenses: $5,603
Chase Card Balance: $828
Target REDcard Balance: $260
Remaining Savings: $25
Remaining Fed Tax Returns: $292

Here is how we are going to handle this. Whenever I make a chard to one of the credit cards, I record the same charge in the checking account, so as to be sure that I have the money to pay the credit card. I know a lot of you do this. I wish there was a term for it... Anyways...

There is currently an actual balance of $1,769 in our Checking account, if you do not subtract the credit card balances from it. Here is why I mention this; If we were to pay our credit cards off, we would not be able to pay rent in full this next month. Why? I am going three weeks without getting paid here at my new job. You know, the whole pay period thing.

What we will do is pay the rent, and just pay down the credit card debt. This is what we had to do last year, unfortunately. This debt is less than before, but still important. However, this one should get paid off much quicker, due to our larger margin of debt:income.

So, not too bad, eh?

Keep an eye on the sidebar - Will be updating it more often, now that there will be more changes month-to-month. Smile

8 Responses to “Post-Move Finances”

  1. jewels3 Says:

    Glad the move went well! Hope you are able to slide into the new position and I'm sure it won't take too long to get rid of the cc debt!

  2. wowitsawonderfullife Says:

    I am so glad that someone sees your value. Slow and steady.

  3. Frgal Says:

    Thank you both! It sure is nice to be appreciated at work!

  4. LuckyRobin Says:

    I'm glad to see you made it here safely and that the job is going well. How are you enjoying the weather swings in this beautiful state?

  5. baselle Says:

    5 nights and you might be promoted already? Sweet!

  6. Frgal Says:

    @LuckyRobin - We love the weather here! Warmer in the winter and cooler in the summer! Relative to our previous town, at least. The rain is great! Only things we dislike so far are: 1) some unsafe neighbourhoods, 2) slow service at most places, 3) drivers are RUDE and CRAZY!

    @baselle - Well, I knew they wanted to get me up there, but I had no idea it'd be this quick. Smile

  7. LuckyRobin Says:

    Yeah, traffic is a nightmare in that area, mostly because the drivers are insane. You must have missed our snowstorm a few weeks ago. Still, by and large, I love the weather here, too.

  8. Frgal Says:

    Oh, I will be receiving full benefits for my family. Smile 401(k) is matched as well. Smile

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