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.
Sign Up For 5% Cash Back On Discover Card Purchases In January 2012
It is time to sign up again for those bonus categories from your Discover card. Every three months you can sign up for a new set of categories and earn an additional set of cash back on the things that you already purchase on a daily basis. So why not sign up and get some extra cash back just for shopping!!!
If you have a Discover card, you can get 5% cash back on the following categories:
-Gas
-Museums
-Movies
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.
Christmas 2011 Gifts Are Done!!!
I only planned on giving certain gifts this year long before I lost my job. I just got the LAST Christmas gift taken care of so I am done with the shopping this year.
I did not give expensive gifts but I think the recipients will love what they got because my gifts are very personalized and are things that those people want.
The money for those gifts came out of the Splurge Fund in ING where I had been budgeting and saving money all year round in order to be ready for Christmas.
One Of My Resolutions For 2012: Girlified!!!!!!
The new year is right around the corner and people have started to think about the different resolutions they will make. You can think of your plans as resolutions or goals or motivational areas but whatever you call them, most of us have things we want to accomplish in the new year.
One of my goals is to become more “Girlified” because I am a bit of a tomboy. I do wear skirts and dresses when the occasion warrants, but I really do feel more comfortable just wearing pants.
