Tracking My Finances In 2012: January Week 1
Here is the breakdown of my income and expenses for the first week of January 2012.
- Income to date: $232.16
- Expenses to date: 928.87
- Cash flow to date: -$696.71
I received $7.93 from my Lending Club investment this week and also got $220 in private advertising.
I paid $65 on the shared cell phone bill, even though I was told I did not have to pay anything since I have not been working. I still want to contribute to the bills while I can so I reduced the amount that I normally pay.
Changes To The Budget For 2012
Well everyone a new year is now upon us and I must say that I am looking forward to 2012. I am not sure what this year holds for me just yet but I have a positive outlook with regards to everything, especially my finances.
I am always working on my budget and I give it a tweak or two every couple of months because I believe that a budget needs to change as your financial situation changes. This year I am using a combination of the rollover budget and the zero based budget to track my income and expenses over the whole year.
Monthly Financial Check Up: December 2011
This month I came out in the red once more since I do not have a full time job and hence, no salary. I did not do too badly this month considering everything and I really do hope that things work out in January so that I can work on building up my savings instead of spending them to live.
I pulled out a total of $34.55 this month from Lending Club and as a result I will be funding a new loan in January. I did not redeem any coupons this month but I also did not buy the newspaper so that was okay.
Lending Club Performance Update: December 2011
I cannot stop talking about how much I am loving Lending Club. I initially fell in love because it was the site that gave me the best loan when I needed to consolidate my credit cards so that I could get out of debt.
After paying off my debt I decided to invest in Lending Club and even though I have had a few poorly performing loans I do not regret anything about my decision.
Tracking My Finances In 2011: December Week 4
I have decided to post my weekly spending for the previous week on Fridays so you know how my cash has been flowing for the week. Please note that I get paid on the last day of the month so my cash flow net effect will usually be negative until the last day of the month.
This does not mean that I am adding to my debt, it just means that the money coming in is less than the money going out because bills are due starting on the first but I don’t get paid until the last day.
Changes In The Way I Pay My Rent
So my apartment company has just informed me that they will be changing the way that rent can be paid next year. Currently I can pay my rent online via the following methods:
-credit card
-debit card
-automatic check
or I can walk into the office with a money order.
All of the methods are free of charge so I opted to pay my rent via credit card so that I could earn points for the transaction. This was free but the complex is changing over to a new system and we will now be charged for using a credit card.
Tracking My Finances In 2011: December Week 3
I have decided to post my weekly spending for the previous week on Fridays so you know how my cash has been flowing for the week. Please note that I get paid on the last day of the month so my cash flow net effect will usually be negative until the last day of the month.
This does not mean that I am adding to my debt, it just means that the money coming in is less than the money going out because bills are due starting on the first but I don’t get paid until the last day.
Tracking My Finances In 2011: December Week 2
I have decided to post my weekly spending for the previous week on Fridays so you know how my cash has been flowing for the week. Please note that I get paid on the last day of the month so my cash flow net effect will usually be negative until the last day of the month.
This does not mean that I am adding to my debt, it just means that the money coming in is less than the money going out because bills are due starting on the first but I don’t get paid until the last day.
