I'm still waiting for the adjust ment to begin, and 6 weeks later I'm still hurting. It would help if I got to bed before 1:30 am and stopped trying to survive on 4 hours of sleep 5 nights a week, but what can I say, I'm addicted to the Golden Girls.

Ok, I HATE promising on the site, b/c I flake on everything, but while I work hard 6 days a week, my 1 day off, I'm still moving into my room, building my closet and trying to organize my stuff. Yesterday, I got an entire side of my room done to the point that I'm not annoyed and irritated when I come home.

My project for next Sunday is to shift over a bit, clear out the storage under my bed and get the papers off the floor. Since that's all I'm working on, I'll devote a few hours to update this blog for reals. As an ex\tra incentive, before I start to work on the room, I'll do this as soon as I wake up.

Deal?

Deal!

:)

I ended up starting that gig one week in, so I never had much of a vacay and then when I knew for sure I was hired, I changed my schedule w/job #3 except they didn't and I ended up having to take off last week from the new job and actually started there this week.

Now, if that is as clear as mud, let's proceed ;)

Stupid target will only let me schedule about 3 payments in advance and now that I've gotten the new balance lowered, I have a hard time paying extra on the card. So I wiped out all pending payments and set up bill pay via my CU.

When I went to lunch I realized how normal I felt and wondered why it took 3 days to sink in. I think it's cuz, my schedule tends to be 1 day on, 2 days off, 2 days on, etc etc. So it had to be something unusual, like 3 days in a row and realizing I won't be back in that building for 2 whole weeks to grasp that I'm really really off.

It's been a LOOOONG time coming, searching, finding, applying, interviewing but especially waiting. That was the hardest. I was so emotionally mentally drained last week, I ended up taking 2 weeks off from job #3 just to cool my heals and decompress.

I officially recieved the offer today and am in the process of doing the preliminary stuff for a few more days till my official start date. I'm just so very tired right now. I was going to trim back my hours on job #2 (the retail gig) for a few months anyway, so for the immediate future, I'll work there fri & sat nights. the new gig will be mon - thur nights and I'll actually have Sunday off.

The workaholic in me is trying hard to resist scheduling 4-5 hours of work time and instead will use that day to rest, get my house in order and do personal things.

I may also go away either this weekend or next, just to get out of town and if I don't go now, my next chance won't be till mid October, but I'll play that by ear.

Right now I'm just going to catch up on some movies and try real hard to get the super big grin off of my face :D

Here is where I was 6/8/08:

Here is where I am as of 7/8/08:

If I do that and knock the balance down by $1265.00 this month, I did the number crunching and the finance charges will dip from $145/mo to about $124/mo. Not a huge drop, while I'll have to pay $145/mo from July to Jan to get the card paid off in time.

So my minimum payment on Target my drop by $100 and I'll know pay 1.99% on 1k of debt vs. 19.24 for 7 months. Even the time it'll take to do the math doesn't feel to be worth it so for now, I think I'll pass.

I have till 7/30 to use the checks.

Tackling the remaining topics I left dangling

- Compound Interest is kicking my ass - Numbers don't lie, finally did a budget and um, yikes! - Lean months are coming - Going back to school?? - Taking a step back to see what I have accomplished so far

Naturally, I have forgotten the major points of said teasers, so this'll be easier than I thought. I'll be able to wrap this all up in one post.

*****

1. Compound Interest is kicking my ass

I didn't full grasp the evils of compound interest till I mused my Target bill and it's ever so slow downward creep. It seemed like I was paying interest on interest. Feeling frustrated and like I busted a credit card doing something sue-worthy, I opened up calculator and tried to crunch the numbers I never touch. The ones behind the scene. What I found out, floored me.

*gulp* here goes nothing...

Here is where I was 5/8/08:

Here is where I am as of today:

All of the above was charged and have been paid in full and officially leaves me w/the Target card and the capital one card that paid my fed taxes from April. Geez Louise will this viscious cycle ever end? I'm hoping so and have decided to use June 1 as the turning point, both financially and blog(ially) if that even is a word.

Here is where I was 4/8/08:

Here is where I am as of today:

Here is where I was 3/8/08:

Here is where I am as of today: