I am trying to improve my financial situation. I've always been very frugal so I don't have any credit card debt or anything like that, but since my fella has been out of work since January things have gone from not great to oh fuck! He was in school and working a part-time job, but that didn't work out so now he's looking for a "real job". I'm looking for my patience.
I am falling behind by anywhere from $200 - $400 per month. I've been dipping into my savings to get by, but now my disposable savings is depleted so it is time to make some cuts.
I asked my boss for a raise. He said he'd get back to me on Monday. I haven't had a raise in 4 years even though the industry I work in, property management, has been relatively unaffected by the shitty economy. In those four years, my work load has increased dramatically. I've also done several things that has made him more money. For example, two years ago I suggested we start charging our tenants of the campus area properties for parking spaces. This has brought in nearly $10,000 in the last two years. Basically I discovered and implemented a whole new revenue stream. So I think I deserve a raise. The problem is that my boss lives in California where apparently the economy is total crap. He has taken a pay cut at least once from his "real job" (the rental properties that he owns are his little hobby, I guess) so his perspective is skewed. So please cross your fingers for me.
I sent an email to my bank about potentially refinancing my auto loan and I'm also looking into a different health insurance option for my kids. I will probably cancel my own health insurance. My employer doesn't provide insurance at all. I should also cancel my satellite TV, but I really don't want to. For one thing, I am on a contract so I will have to pay a termination fee. For another, it is literally the only luxury I have these days. I don't spend any money on entertainment at all. If we go to the movies, it is the second-run theater in town. I get books from the library. I don't have internet at home. We don't go out to eat. I never go out with friends. I get most of my clothes for free. I would like to go camping, but even that may be too expensive since I'd have to get extra food and camp sites are about $25 per night plus the cost of gas to get there.
I haven't been eating much the last few days. I usually have a few bites and then feel kind of lousy. Not really stuck, but so full it is ridiculous. That feeling lasts for hours. I am kind of ambivalent about it. On one hand, it would be nice to eat more and be able to enjoy my food more without feeling lousy. On the other, I'm not getting sick and I'm not thinking about food too much.
Enjoy your Saturday!