Wow... September already?!?!?
Where has this year gone? I swear I could not wait until I turned 18, I just knew to be a adult was going to be so much fun! I also feel like it took eternity for me to turn 18, but since that birthday time has just been flying by! We do not realize how many things we do not have to worry about prior to being 18, like we only had to worry about going to school and receiving good grades. Of course there was the worry about does that cute boy at school like me, or who was hooking up with who, again those things are nothing compared to the adult worries.
School does not prepare us for the consist competition in the world, nor do they prepare us with the proper budgeting tools we need as young workers coming into the world. Even though most high schools expect the kids to then go to college, I have yet to gain real life tools from college. It is just so crazy to me that we should have to spend so much time in school to prepare us for the real world, yet feel so confused becoming apart of the real world.
AnYHOO there are a few things I guess I will talk about... You all know my blog would not be mine if my mind was not running every where.
Okay, so I have figured out a budget that has yet to fail me, I also stated in one of my last two blogs that I was going to use my planner more often! So with those two together things have been working out perfectly! So I wanted to share with you all how I do my bill budget and hopefully the budget will help you create one of your own or you can even take on mine because its truly simple. I am going to to just through out numbers, these are not my exact bill amounts it is just an example of how I do things.
So first off I write all my bills down rent, electric, gas, cable, cellphone, water, car note, insurance etc. and next to each bill I write how much it is... Things like rent, car notes, insurance, cellphones and cable normally stay they same each month with a maybe 10 fluctuation and that is only if your buying movies on your cable bill or apps on your phone. For the most part those do not normally change, well mine do not anyways. Point being you do not have to over estimate certain bills in which you know will not change. Now the bills like water, electric, gas those bills do always change depending on your usage or one could be on a budget plan to where the bill does indeed stay the same. Either way the bills that fluctuate need to be over estimated, for example my central air is ran through my electric, so I over estimated that bill to $250.00. I just hate being hot! Now there was a month or two where the bill was a little over that estimate, which was fine because a hand full of my bills are over estimated so it still worked out. Like if I has my gas bill that normally runs maybe $100.00 at its highest over estimated to run $200.00 that is $100.00 dollars more then I need which since I had my electric bill run over my estimate a couple of times I did not have to worry about it because I already had set aside the money for the gas bill just in case it ran over, which now I can use for my electric bill.
So moving forward, after you write down all your bills the actual price they normally run, and you figure out how much over you want to estimate them then you add them up all together (OVER ESTIMATING IS DEFIANTLY THE BEST OPTION). Now that the bills are all added together lets say your total monthly bill payout is $1500.00 you want to divide that by the amount of checks you get each month so if you get paid weekly divide it by four, if you get paid bi-weekly divide it by two. SO $1500.00 divided by four is $375.00 and divided by two is $750.00. So each week you get paid you would put $375.00 in a bill pay account ( a bill pay account could be just an extra checking account you open up within your bank, that you only use to put bill money in and to pay bills with).
I know you all are like but Arie I cannot put $375.00 a week up, This is where I hate to say it but must, if your carrying bills from the prior month into the next month then you maybe living outside of your means and need to reconsider your bills, where you live etc.
A lot of people live with boyfriends/girlfriends or even have room mates, and if that is the case and your monthly bills run $1500 you divide that with how many people are living in your house. You all might not pay your bills at the same time but it still is a great way to get into habit of what you have to put up every month.
Now my actual number is $250.00, so $250.00 a week which starting the 18th will go up lol goes into my bill pay account for my half of the bills. Since I am moving to biweekly checks I will have to do $500.00 every two weeks. So I know at the very least my main bills are handled. now extra stuff like gas for the week etc I have to budget out with the remaining of my check...which I do I set myself from $150.00 dollars a week budget down to $60.00 dollars a week budget... it took me a WHILLLEEEEE to find a budget that I could actually work with and stick to. AND IF YOU HAVE ANY QUESTIONS ABOUT THIS BUDGET OR WANT HELP SETTING YOUR OWN I CAN TOTALLY HELP! just message me or email me or comment below, and we can exchange emails etc!
Moving on to my next subject!!! = GETTING HIRED IN!!
I moved back to Michigan around 2009, and yes I have had a few permanent retail, and even factory jobs I just for the life of me could never get hired in anywhere if I went through a temp service. I blew a few really awesome opportunities because of my attendance or my mouth! There has yet to been a job I have worked were I did not catch on and learn the procedure fast! Every company would say "We really wanted to hire you, but your attendance is awful! Your a great worker when your here, always happy and positive but we need you to be here!" Which do not get me wrong I would not just miss tons of days, but I would miss more then I should in my first 90 days! So I started another temp service job in May and I really liked it (But I mean I have really liked other jobs too) so I was skeptical if I was going to make it or not! Because this place did not play about attendance! I mean you got a .25 if you forgot to punch in or punch out, 1 point if you missed a day and you were only allowed to get basically 2.75 points because once you hit 3 points you were fired. So I missed two days, which gave me 2 points, then I forgot to punch out one day which gave me 2.25 points. The I was 15 mins late one day because I over slept which gave me 2.50 points and with two weeks left of my 90 days I switched cars, and left my badge in the other car which gave me 2.75 points. AT THAT MOMENT I WAS FREAKING OUT!!!! I really really liked the job, its close enough to my house that I do not really have to worry about a long drive for winter, like it was a very stressful two weeks! bUTTTTTTTTT I MADE IT!!!!!! I made it to my 90 days without getting anymore points!!! I literally am so proud of myself like for me that is a very big accomplishment!!!! So I had my 90 day review on the Thursday before my birthday, then I requested to have that Friday, and Sunday night off because my birthday was Monday, and I wanted to go see my doggy (which is a whole other story)! Monday night I came back to work but I was so sick I felt like I was dying I mean when I say i took every kind of cold medicine and nothing was working I took every kind of cold medicine and nothing was working! So when I got to work I felt extremely weak, and could barely breath, I was clammy and cold, so I asked could I leave to go to the hospital, I went and was told I had bronchitis, and a cold and that I needed the next night off as well. I went back to work Wednesday night and Thursday Morning, I was offered the position at my job! I was beyond excited! I still am very excited, and proud of myself I have come along way!!!!!!!! Which the hard work does not stop now that I am employee! I still have to keep at everything I do because employee or temp your butt is still replaceable! (However you may fill my spot with another person but there is no one like me in this world!) lol
Baby Monroe <3 <3 <3
Okay, so where I live says your not supposed to have pitt bulls, rott wielers, etc etc. I have been here for over a year with Baby, and no one has ever said anything! Plus I do not just advertise her anyways besides on social media etc, I normally leave with her if we are going to play outside which also has to be limited because she has a grass allergy. My neighbors on the left of me have a pitt bull so they were not going to say anything and my neighbors on the right of me threw crazy parties all the time so we just had an unspoken thing like I will not bitch about your parties in return you see no dog. LOL WELLLLLL the party neighbors moved out, and we got some weird ass neighbors now, and I kid you not within three weeks of the new neighbors being next door, I get a letter on my door saying I have to get rid of Baby... TTTTHHHEEEE FFFUUUUUCCCCKKKKK YYOOOOUUUUU MMEEEEAAAANNNNNN!!!! lol I was feeling real hopeless at that point... everything seemed blank... like get rid of my dog? because At that exact moment I could not move... So I called my mother, and her boyfriend and plead my case, I actually though it would take a whole lot of convincing ( but at the same time I did not think it would take a lot of convincing because Baby is potty trained and I was still going to buy and supply everything she needed, I even was throwing out a keeping fee if necessary). And to my surprise, they agreed. Which again God has truly been on my side, because Baby Monroe is my baby she means the world plus some to me, and I could not imagine my life without her. So now she is Indiana with my mommy until I find a house that is okay with me having her, which actually has been a lot harder then I expected it to be. HOWEVER With GOD all things are possible, and I know he will see me through this as well so I am not as worried about it.
The grind, is about to get real!!! I asked my mommy for a year, so since Baby has been gone I have been taking care of her financially, and paying on my debts, trying to get everything taken care of in this little time, once I become accustom to this bi-weekly pay, I am also going to start saving money to move! Because it would sooooo suck if I found the prefect spot and did not have the money upfront! I have to get my Baby back so the grind will continue to go hard for a while!!! As long as I can keep getting as many hours as I do at work I am cool, if they die down by any means then I will get a second job! Period FOR BABY I WILL!!! I WILL TAKE DOWN EMPIRES FOR HER!!! NOTHING OR NO ONE WILL STAND IN MY WAY OF HAVING MY LITTLE FURRY DAUGHTER!!!!!
These last few months with her being gone has really been effecting me in the worst kind of way tho! But I will save that story for another blog!!!!!! Until then everyone! And Like Always!!! Thanks for reading!!!!
Remember if you have any questions about anything I write, or would be interested on my thoughts about a certain matter and would like me to post a blog about it JUST LET ME KNOW!!!
