Happy New Year 2010 !
Julian A. Rodriguez
Thursday, December 31, 2009
Monday, December 28, 2009
My first car
I spent almost $1600.00 of my money in my first, car I'll show you a picture of my '94 Mustang 3.8 engine and V-6, I was thinking that maybe I did a mistake with the v-6 because I need $35.00 to fill it up with gasoline, but I don't travel very long distances so maybe it was not a bad decision at all.
Mustang $1600.00
License $ 25.00
ID $ 15.00
Gasoline $ 50.00
Insurance $ 97.00 ( for a month )
Car extras $ 140.00
---------------------------------------
Total : $1927.00
I had $1968.00 in total available to buy a car but now I just have $13.00 dollars in my wallet and I'll need to wait for unemployment because the restaurant were I used to work just burned down by accident. For my fortune I lend some money so this next Thursday I will receive it back.
December 27, 2009 ( El Paso, TX )
Mustang $1600.00
License $ 25.00
ID $ 15.00
Gasoline $ 50.00
Insurance $ 97.00 ( for a month )
Car extras $ 140.00
---------------------------------------
Total : $1927.00
I had $1968.00 in total available to buy a car but now I just have $13.00 dollars in my wallet and I'll need to wait for unemployment because the restaurant were I used to work just burned down by accident. For my fortune I lend some money so this next Thursday I will receive it back.
Tuesday, December 8, 2009
Weekend December 4 - 6, 2009
Starting the month and getting rid of all debt that's pretty comfortable for me, I think this will be the first weekend that I'd end up with a negative result in my goal , I didn't earn more than I spent let's see how I did this weekend.
Spent(-)
Computer Bill 107.46 ( I'm done with this last payment )
Carls Jr. 2.00 ( Ranch Bacon Burgers for 1 dollar )
Extra 81.00
-----------------------------------
Total: 190.46
Earned(+)
Check 99.00
Money Found 0.33 ( I think this is the last time that I found money because I'm not walking anymore in the streets )
-----------------------------------
Total: 99.33
Spent(-)
Computer Bill 107.46 ( I'm done with this last payment )
Carls Jr. 2.00 ( Ranch Bacon Burgers for 1 dollar )
Extra 81.00
-----------------------------------
Total: 190.46
Earned(+)
Check 99.00
Money Found 0.33 ( I think this is the last time that I found money because I'm not walking anymore in the streets )
-----------------------------------
Total: 99.33
I failed this weekend by -91.13
I don't have to much to comment about it but this will change soon I'll do it always be positive but I did this because I want to get rid of all my debts by the end of the year and start it cool and fresh.
Friday, December 4, 2009
Keeping track on my finances
I'm completing the goals that I put on my To Do list I've been working on it, I'm almost done with the HS Diploma ( Alternative ) and my driver license which both of them are very important for me right now. What I need to do now is to improve my income.
I was watching my categories ( Weekend Review ) and I found out that I found money in the streets almost every week, I add them up and I have almost :
$20.00 Extra bucks
If you are one of those guys who recieve change and threw it to the floor just because they gave you 10 cents or 1 penny thank you so much and for those who understand what little cents mean here's a way to find free money lol , I know those are just a couple of bucks but you can buy a cheeseburger just for "free".
I also update the NetWorthIq plugin I improved a little bit my networth just like $120 dollars but now I'm free of debt and I can afford new things like save for investments and stuff like that.
So far so good ! http://www.themoneyflows.org/ - Continues !
Note: I will try to spend more time on the site.
I was watching my categories ( Weekend Review ) and I found out that I found money in the streets almost every week, I add them up and I have almost :
$20.00 Extra bucks
If you are one of those guys who recieve change and threw it to the floor just because they gave you 10 cents or 1 penny thank you so much and for those who understand what little cents mean here's a way to find free money lol , I know those are just a couple of bucks but you can buy a cheeseburger just for "free".
I also update the NetWorthIq plugin I improved a little bit my networth just like $120 dollars but now I'm free of debt and I can afford new things like save for investments and stuff like that.
So far so good ! http://www.themoneyflows.org/ - Continues !
Note: I will try to spend more time on the site.
Sunday, November 29, 2009
Weekend November 27 - 29, 2009
Long week but I keep doing the same thing, earn more, spend less and save, this time I had to spend a little bit of more money that I expected but I did it for my own benefit because I'm getting rid of debt.
Spent(-)
Computer Bill $107.46
7eleven $5.06
Ride $10.00
-----------------------------
Total: $122.52
Earned(+)
Check $124.03 ( I'm suprised I just worked 2 days / Part time job)
Found Money $0.07 ( I keep founding pennies lol in the street )
Mturk $4.55
------------------------------
Total: $128.65
I didn't notice this before that I almost spend more of what I earned this week, I'm suprised because I always get a huge difference between my income and what I need to pay but this time I spent this amount to get rid of debts. I'm doing a few dollars per week but I'm doing some changes in my life to make a difference in my income let's see if it works.
Spent(-)
Computer Bill $107.46
7eleven $5.06
Ride $10.00
-----------------------------
Total: $122.52
Earned(+)
Check $124.03 ( I'm suprised I just worked 2 days / Part time job)
Found Money $0.07 ( I keep founding pennies lol in the street )
Mturk $4.55
------------------------------
Total: $128.65
I didn't notice this before that I almost spend more of what I earned this week, I'm suprised because I always get a huge difference between my income and what I need to pay but this time I spent this amount to get rid of debts. I'm doing a few dollars per week but I'm doing some changes in my life to make a difference in my income let's see if it works.
Friday, November 27, 2009
CNBC - Review, Financial Channel
Since I don't have too much access to the internet I've been watching channel 35 which is here in El Paso a financial channel, CNBC ( http://www.cnbc.com/ ), all is about finances, the stock market, investments and how to manage and build wealth. In all the programs the advices are the same :
I want to make a comment to all the visitors who have an estability in their finances, I've been watching a lot of people that have a very good income but they spend it almost everything in nice TVs, very expensive cars but they are not saving enough or investing their money. I don't know why while they have the opportunity to do it they decide to waste their money, when they have more money available to do it they prefer to spend it; if their income is higher their houses are even more expensive, they can afford it but they are almost over their limit. In my personal opinion I will not try to do this when I grow up I think it is a very big mistake to do that.
I just want to recommend you this channel I've been learning a lot of things, these are the shows that attract more of my attention :
- Earn more, spend less.
- Invest wisely.
- Save.
I want to make a comment to all the visitors who have an estability in their finances, I've been watching a lot of people that have a very good income but they spend it almost everything in nice TVs, very expensive cars but they are not saving enough or investing their money. I don't know why while they have the opportunity to do it they decide to waste their money, when they have more money available to do it they prefer to spend it; if their income is higher their houses are even more expensive, they can afford it but they are almost over their limit. In my personal opinion I will not try to do this when I grow up I think it is a very big mistake to do that.
I just want to recommend you this channel I've been learning a lot of things, these are the shows that attract more of my attention :
- Mad Money ( http://www.cramers-mad-money.com/ )
- Suze Orman Show ( http://www.suzeorman.com/ )
Tuesday, November 24, 2009
Bears in Personal Finance
The past month I've had a lot of bears in my personal finance, my work is cutting me hours ( translation my income is less ) but my bills are the same and I think I need to pay more things, I already paid the bill of the computer which was like $600.00 dollars, plus some extras the net debt was like $800.00 dollars but it is already paid. But I'm worry because I need to save money to buy a used car because I don't have a car, I need it to go to college ( soon ) and work, also Christmas and all the gifts are close and I don't have to much money to spend on this event that's why I feel a little bit sad but positive after all.
Things to do :
Yesterday I organized my bank account and now I have 2 checking accounts in one I put the money that I have available for the car, and in the second one I'm putting money for investments I didn't open a special account for that because the bank charges me fees and stuff that I want to avoid like everyone else, the next thing that I need to do after I buy the car is to open a savings account which I used to have but I need to open it with a sepecific amount which is like $300.00 dollars.
I've been working on some points of my list, but I need to invest more of my time on the fourth one which is the most important for my finances, I know that this post doesn't make sense but I want so save it here and remind to myself that I need take advantage of the time that I have available.
Things to do :
- Get a license
- High School Diploma
- Save money and buy a car
- New job
- Enjoy Christmas and my family
- Save money for investments
- Open savings account after I buy the car
Yesterday I organized my bank account and now I have 2 checking accounts in one I put the money that I have available for the car, and in the second one I'm putting money for investments I didn't open a special account for that because the bank charges me fees and stuff that I want to avoid like everyone else, the next thing that I need to do after I buy the car is to open a savings account which I used to have but I need to open it with a sepecific amount which is like $300.00 dollars.
I've been working on some points of my list, but I need to invest more of my time on the fourth one which is the most important for my finances, I know that this post doesn't make sense but I want so save it here and remind to myself that I need take advantage of the time that I have available.
Sunday, November 22, 2009
Weekend November 20 - 22, 2009
This week I was busy, I had to do a lot of things and the last thing that I was thinking was the website but I will keep going with the site and my goals, I will not post regulary because I don't have regular access to the internet but I will post my progress :
Spent(-)
Food $19.56
Carls Jr. $7.16
Extra $10.00
------------------------------------
Total: $36.72
Earned(+)
Check $142.32
Street $0.03 ( I don't know why but I always found pennies and quarters, money is money )
Mturk $1.02 ( 2 or 3 dollars pending )
-------------------------------------
Total: $143.37
This weekend I did 90 dollars less than the past weekend review, but I'm free of debt so I feel good with myself I just need to make a couple of changes and everything's gonna be ok, I'll be keep track on the website and my finances more regulary. Thanks for visiting !
Spent(-)
Food $19.56
Carls Jr. $7.16
Extra $10.00
------------------------------------
Total: $36.72
Earned(+)
Check $142.32
Street $0.03 ( I don't know why but I always found pennies and quarters, money is money )
Mturk $1.02 ( 2 or 3 dollars pending )
-------------------------------------
Total: $143.37
This weekend I did 90 dollars less than the past weekend review, but I'm free of debt so I feel good with myself I just need to make a couple of changes and everything's gonna be ok, I'll be keep track on the website and my finances more regulary. Thanks for visiting !
Monday, November 16, 2009
Weird Financial Day - Nov 16, 2009
Today when I came from school the first thing that I did was turn on the computer and start checking all the websites, my email and then when I opened my mail I saw like 7 new mails all of them about finances, for my fortune the first one was bad news, google suspended my adsense account, all the time that I invested in this thing was gone, and the 20 dlls too.Yesterday I had to pay the credit card ( $90.70 ) and the next month for my cellphone service ( $53.40 ) in total I spent $150.00 in a couple of days and I didn't earn more this time, I did $3.00 dollars in Mturk just in one day and I found $0.10 cents in the street, and in the next 2 weeks I need to pay the last payment for a computer, but let's see the happy side of this situation, I'm out of debt !, that means that I will have $190.00 more to save or invest I decide what to do with the money.
In conclusion I don't know what to say, it was a good financial day ? or it was a bad day for my finances and my goals ? to be honest I don't feel very good but I don't need to pay more things so I feel relax.
Sunday, November 15, 2009
Net Worth IQ - Financial Track
Do you want to keep track on your finances, and check if you are doing well with your money or do you want to make sure that you are achieving your goals ?, I think Net Worth IQ is what are you looking for, I saw this website in this blog (http://wealthisgood.blogspot.com/) that I usually read and I noticed that their application will help me to remind that I should be working on my finances.
I feel like I made another great decision for my finances and it's keep on track more often that I usually do, with graphics and stuff. Well I recommend you this site and be happy don't worry !
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