Ok. I am a little freaked out to be honest. I am going to start a business soon…. from home–selling things online. I was so pumped out yesterday and now I am having all sort of bad dreams about the business that has not yet started. Am I too overreacted? Am I just nervous? Is this normal?
I have so much expectation with my new venture. I cannot fail on this project. I have to succeed. I cannot accept failure anymore. I have so much hopes on this new venture.
Maybe I am pressuring myself too much but this new venture is going to cost me some money so it better works.
I was feeling depressed today almost all day. I was thinking about work and all of the sudden my mood changed from happy to depressing. I don’t think I can last any longer in my work. I hate it. I hate it. I hate it. I hate it. I hate it so much. I just don’t know how to handle it right now. I don’t know how we can afford me quiting the job. I can sell my car and that will eliminate one car payment. Then we can get rid of stuff from the storage. I have to pick up sewing again soon. I cannot wait any longer.
I can start selling my handmade items on Etsy, my personal website, and also at the arts market.
My sewing machine is not working great right now. I am so mad. Now I am looking into purchasing another one. A better quality one. Something that can handle many sewing hours.
Ok I am sleepy and tired. Better go to sleep. Tomorrow is Sunday. I am going to church again. I went today and it was so weird because the message from today’s mass was that if you believe in God, and if you ask anything, it will be done. I don’t know why I cried all of the sudden after hearing the message. I knew God was talking to me. I knew He was sending me an assurance that everything is going to be ok. I do have faith in God. I have been praying everynight for Him to grant me a way so I can financially afford to quit my job. Something’s got to happen. Something’s got to work out somehow. I don’t know what it is but things got to be better. I have to find ways to make myself happy. I am going to start looking for another job. Keep my fingers crossed. Perhaps I can do part-time job and I can use the other half to run my business from home.
God, please hear my prayers. Help me please. Help.
They say there is always a silver lining at the end of everything. I don’t see mine yet.
So life has not exactly been the way I want it to be. I am still here waiting for the right moment to come. I cannot wait. I have so many things I want to do with my life and I always feel like there is not enough time to achieve them all. Or I’d be too scared to start one. I want to be happy with my life.
I am dreaming of having a job that I can do from home. A real one.
I’d like to own a studio where I craft all my handmade bags and goodies.
Or a fabric shop. At home. I don’t mind if I can’t open a real shop right now due to the economy. But I do still want to work from home. I figure all I need is to make at least $1000 – 1500(take-home) a month and we should be fine.
When I go visit my parents+families in my home countries, I will be exploring things I can sell later when I am back here. There will be lots of things I can do.
I hope that the economy will get better real soon. Everyday I read in newspapers or the internet, more and more people are suffering. All they write is about the bad economy. When is this going to end? If we try not to talk about it, does that mean we’re ignoring it? Can we, for a day or two, pretend that everything is ok?
I am sick and tired of worrying about things. I don’t want to live my life like this. I am sure millions of others living in this country feel the same way. I wish there would be a faster way to get us out of this hole.
Please God help us all.
Well tonight was interesting.
My husband and I went to a religion class at our church. It was good. I enjoyed it. My husband did not really want to go at first but then he went with me. There were free foods before the class began. It was like getting free dinner so that’s a plus. I plan on coming to the next class again next week.
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I called my mom and dad. They’re so excited that I am going to go home visit. We talked for about 20 minutes. We exchanged news and stories. It was nice. I am going to call my mom again next week.
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I started thinking of what I should get for my husband’s families and my bestfriend for Christmas. I am thinking I should get them some fruits this year. Like a basket of fruits from Harry and David or something like that. It’s healthy and they will eat them. It’s not going to get wasted–I hope not. I hate getting cheap Christmas gifts that get unused. What’s the point??? I’d rather not get anything really. Or maybe I am picky. Maybe. Anyways. I don’t expect anyone to give me anything this Christmas. My own Christmas list is quite long and I will get some of them for myself. Just need to remind myself not to go overboard. Christmas shopping is dangerous. I will need to think about what I need to get for my families as gifts when I go home. I might send them first to my sister’s house that way I don’t have to haul them accross the globe.
Ah almost 11 PM. Time to go to bed. Tomorrow is Thursday already!!! I have a facial appointment tomorrow at 4 so I will try to get out of my office earlier than 4. Yay. The weekend is almost here. So exciting.
It’s Friday.
We have no plans for tonight. Just chilling out at home. My husband is running right now. I just had dinner–left over from last night. I wanted to go have some dim sum but I changed my mind. I just wanted something quick and I happen to have some left over so I just heated it up and ate it. Maybe tomorrow morning we’d have light breakfast somewhere.
I opened a new bank account today with local credit union. I opened a joint checking and saving account. I will have my direct deposit with this bank. Two people at work recommended it to me. My husband and I opened a saving account with another credit union a long time ago but we closed it. So far, my husband is planning on closing his Compass bank account and he will switch to our new credit union bank. We do not like Compass bank!!! They suck.
Tomorrow, saturday, my husband’s college football team is playing in town. I think he might like to go. I have some cash so I will see if we could scavenge 2 cheap tickets. If not, he’ll probably watch it from home. Or a sport bar. Either way does not matter.
I need to do some home improvement shopping in the morning. I’ll go early to beat the crowds.
On Sunday, after church, my husband and I are going to take a River cruise!! I am so excited. It’ll be nice and quiet. Just me and my husband. We’ll go on the cruise and have a nice lunch together. I am looking forward to it.
Cruise $0 (we bought the tickets long time ago on silent auction; we got it for real cheap)
Gas $20
Foods $30 – 40 (with tips)
Total: $50 – 60
Now talking about money, we have $3375 saved in my Emigrant Direct saving. I have $195 in my new saving account with the local credit union. My intention is to increase the saving with local bank to $6000 and eventually increase my Emigrant Direct saving up to $6000 as well ($12,000 = about 4 months of living expenses). I like Emigrant Direct since it is giving me 3% interest as of today. But since it is an online account, I do have little problem in accessing it in time of emergency. I don’t think the credit union gives any good interest rates at all but at least it is convinience when I need it (they have various ATM locations and many branches in town).
March 2009, I should be receiving between $10,000 – $13,000 in bonus (after tax) from work. If my mom sends us some money to fix up the house, then we could save all my bonus!!! I am hoping that I will get at least $200/month raise for year 2009 (after 2% increase in my retirement account).
Ok. My husband is here now. I will spend some time with him.
I am still not in a good mood today. I don’t know why. The weather was gloomy. Someone stole our cat food (that we left outside to feed the stray cats). What is going on in this world? Oh and I got slapped with 4 more overdraft charges although I have not done any financial transactions involving my debit card since last week. I am closing my account tomorrow. I am tired of this. The idiot at Compass bank who I talked to on the weekend lied to me. He did not refund the overdraft charges from last week. That was my last straw. If he could not keep his promise, how could I trust the bank in general???? I hate Compass Bank. I have asked my payroll person to stop my direct deposit to my bank so this Friday I am getting an actual check until I have a new bank account. So, now I am shopping for a new bank. I am thinking Wachovia just because one of its branches is close to where I work and there is actually one branch in my neighborhood as well.
I am hungry but don’t know what to eat. I have been so lazy cooking lately. I wish my husband knew how to cook that would be nice. I am tired today.
I hate my job. I guess it is nice to have a job in this current economy. As crazy as it sounds I want to win the lottery. I want to be able to go to church every morning at 7.30. And help with the church. Volunteer everyday at different places. Build a no-kill animal sanctuary. Pay off my debts. Pay off my house. Buy the house accross the street. Donate this house to a family that needs it. Travel to my home country. Buy my mom diamonds and jewelries. Pay for my sister’s wedding. Send her to honeymoon around the world. Open my own grocery store. Organic grocery store with a bakery inside and a little book shop. Spend time with my dogs.
Ugghhh. I cannot wait for this workweek to end. I am just so sick of this week. It has been a bad week from day 1.
I guess I am going to eat something now.
First of all, thank you for Taxpayer Joe for posting a message regarding my previous post. As recommended, I am posting my newly revised budget.
Monthly Take-home income (me; 30 y.o): $3300 ($63750/year–>this does not include one-time bonus 30% of my salary paid each March)
Monthly Take-home income (husband; 27 y.o): $1700 ($27000/year)
TOTAL GROSS INCOME: $90,750
| Mortgage | 1290 |
| Foods | 300 |
| Gas | 200 |
| Pets | 100 |
| Utilities | 175 |
| Car (two) | 625 |
| Insurance | 130 |
| Internet | 35 |
| Phone | 50 |
| Storage | 95 |
| Misc | 200 |
| CC/debts | 1000 |
| Saving | 800 |
| TOTAL | 5000 |
| Debt Husband | ||
| Capital One | $1,582.04 | 16.93% |
| MBNA | $3,851.63 | 21.99% |
| GMCard | $7,175.24 | 11.49% |
| Discover | $2,249.21 | 28.99% |
| Chase | $7,000.00 | 2.99% |
| Disney | $1,525.71 | 25% |
| TOTAL | $23,383.83 | |
| Debt Me | ||
| Chase | $4,100 | 29% |
| Debt 2 CARS | $27,000 | 6% |
| TOTAL | $54,483.83 |
MORTGAGE $145,000 (7% 30 years fixed).
Retirement saving $32,000
EF $6000 (earning 3%)
I am SO freaking out.
Please anyone give me advice on how to better manage my money. My husband and I would like to pay off the debts in 2-3 years (except mortgage). Is this possible? Should I pad my EF again? I’d like to get the EF to $12,000 by the end the year–I am not sure how long I want to stay at my company. Is this a good move? Thanks for the advice.
I *think* I have a pretty stable job (my husband too but he makes about 50% less than me) but I am freaking out right now. My office has 2 branches and they decided to merge these two offices which resulting in job reduction. My position is not affected but there are so many changes in the office right now and it is freaking me out.
Prices of everything are going up. Driving me insane. I already cook at home a lot but now instead of paying $50/week for grocery I have to pay $75 for the same things. Gas prices are out of control I don’t even know where to begin.
I have a retirement saving ($32,000) and we have $6000 saved as of EF (goal is $36,000). After all of this, we still have a left over of $1800 each month but we’re on huge debt reduction mode as well so $1000 is allocated for debt reduction and $800 goes toward EF/savings. We need to open and IRA account for my husband.
I am freaking out.
I posted my resume on Monster again. Last time I looked for new job was about 2-3 years ago. If I can find something that pays more than what I am making right now, I’d go for it. If not, I’ll stick around at my current job I guess–although I am not that happy there. I’ll wait until bonus time next year, which is in March 2009. Then I will make further decision. I really would like to start my own business with my younger sister. We’re working on that right now. My goal is to have it launched by 2010. I want to open my own clothing boutique.
Random thought. I think my husband is expecting a pay raise this June or July. I hope he is getting $100 – $200 pay raise per month. That would be good. And I am thinking of getting a part time job too just to give $100 – 200 extra income per month. That would cover the gas expenses in my household.
I am so confused right now. Don’t know what to do.
