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Saturday, March 1, 2008

Doing it by my own

I get another 1 000$ paycheck for 2 weeks are work. And for the next pay, I am only missing 6 extra hours to reach 1 000$ for the next pay. So things are not going so bad after all. I also notice an ad in a newspaper for a part-time job that could match my present work schedule. I just need to apply to it. Since January, I have been looking around for a part-time job, but I wasn’t able to find one. So I really hope this one is the good one. I am getting use to the job I currently have, so it will make it easier for me to get another part-time job. Nothing really work out like I wanted in 2007, I just hope 2008 will be just a bit better for me, for jobs, investments, debts.

I was quite surprised to see my Visa bill of the past month: I only spend 170$ on my Visa. Which mean I only spend 170$ in groceries and other. I actually pay all my expenses with my credit card; I pay it all when I receive the bill. Or it’s what I am trying to do and I have been doing so. I scrapped my credit when I was about 24-25 by opening too much credits at the same time. Now I am 27, I don’t know what my credit is, but I keep paying each month my credit card bill, which was quite low for this February.

I am really getting good at the « non expense » thing; I am quite impressed with myself. I didn’t need to cut many things. I buy less coffee at cafe; it’s doing help a lot. I try to save as much as possible and I not having too much trouble to stop spending money around. I never had been a huge shopper, which help. I really cut on everything I could cut, that’s why my current budget for March is less than 1 000$:

Rent: 520$
Metro Pass: 67$
Other (food…): 170$
Student loans: 165$

That’s all…… It’s an inexpensive little living at 922$. I can make it with 922$ or less. Even if for this month, I would like a hair cut… ;)

Conclusion: it’s possible to make it and life with about 1 000$ if not less, even with a hair cut.

There are a bunch of things that I don’t have and I sometimes think of buying, like a microwave, a TV, a sofa, DVD, MP3, a new digital camera... But each times, I just keep looking, and I never buy. I keep thinking on how much I had to work hard for that money: that is what stops me of buying what I don’t really need. But I have to say, it could be nice to sit on a nice couch, instead of that chair that I am currently sitting on right now.

Anyway, I believe life won’t remain like this forever. The biggest challenge for now is to pay off that terrible credit card debt and to remain debt free. Even if I wrote earlier that I wanted to invest in more mutual funds, I prefer for now to just pay off that credit card debt first and after, I’ll see. I just need a part-time job and it’s too bad I cannot get quickly what I want.

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