"Secret skimping is out, like false bosoms." - Marjorie Hillis, Orchids on Your Budget, 1937.

Friday, July 3, 2009

July 2009 Net Worth

You know you're essentially living paycheck to paycheck when you get excited about a 3-paycheck month. And boy, am I.

Emergency Fund: $2,319.66
Checking: $1154.40
ING Funds (total): $5.00 (oopsies)
Roth IRA: $4,831.92 (out of the $6,000 I've invested so far)
401k: $1,711.34 (out of $1,765.28 invested)
Sharebuilder: $31.38 (out of $50 initial investment)
Total Positive: $10,054.20

Rent: $850.00
Credit card: $3,338.32
Student Loan I: $9,330.50
Student Loan II: $0
Ebay purchases: $30.00
Total Negative: $13,548.82

Total Net Worth: -$3,494.62

Let's debrief.

I'm becoming more Zen about my spending habits. I buy less frantically. That's good. What's not good is that I spend just as much time eying the goods as I did before. I'd also like to increase the cash flow to gain an edge over this issue, and if nothing else, eat up some time I would otherwise spend spending (or eating). I've posted a few of my horrid impulse-buys on ebay. If I manage to sell anything, all proceeds will go to the E-fund. Which brings me to my next issue:

The restaurant LITERALLY right next door to my apartment is hiring. Should I apply for a part-time gig?

Pros: It's next door. The commute is about 10 steps. The food is GREAT.
Cons: It's next door! What if someone decides to stalk me? I'm practically sending out an invitation. And if I work there, could I ever be a patron again? Would it ruin a good spot to eat?

No comments: