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For a while now, my main goal has not been to get us out of debt exactly. It’s true, we have a little bit (from a long time ago, eating away our credit rating). However, what bothers me the most isn’t that we only owe a couple thousand bucks total, but the fact that no matter how much money I bring home every week, it just isn’t enough to have any left over.

Yeah, right. Something doesn’t sit well with me at all about that. For starters, I’m not the one who really takes care of what gets purchased. Oddly enough, neither is my wife. Unfortunately, there’s not a whole lot that I can do to fix it right now (mostly because nobody will get on board with me for the sake of their sanity).

So here’s what I’m going to do. I’m going to eliminate the car note.

No, I’m not paying it off. I’m letting the car company take it back.

Wait, before you tell me that a repo is a horrible thing to have on your credit report, let me emphasize that I totally agree with you. It is a bad thing.

Unless it’s not on your credit.

See, this car that I’m paying for was purchased by my father-in-law. The car is only in his name, not even his wife’s name. Go figure. Well, he passed away about a year and a half ago. The car was passed to me and my family along with an almost $400 per month note (probably more, when you factor in all of the late fees and charges for paying at an authorized agent – $10 per month!!!).

So basically, I’m paying for something that I didn’t want in the first place (because I said I couldn’t afford it), took anyway (to help out the mother-in-law, as well as my family), and just as predicted, I couldn’t afford.

So they can have it back. That’s more money in my pocket. Fortunately, it’s income tax season. I should be getting a decent chunk back, and I’ll just buy the best used car or truck that I can find. Heck, it’s not like I go anywhere except for work anyway.

I probably should put some of that $400 in a savings account. Oh wait, I don’t have control of my cashflow (except the tiny bits I earn online, which help get me through the week on the road).

2009 will be the year that I begin to take back control of my financial life. I will be keeping track of this on this site. Isn’t it great when blogs evolve? Plus, you will get to know me a bit better, and maybe get some of my tips. I also hope you share your advice with me as well. I need all the help I can get.

This will be like trying to stop an advancing tank with a water pistol. What fun.

 


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So now that 2008 is over, I suppose I need some ‘resolutions’ for this year that I’ll most likely break. Well, here goes.

1. I plan to focus more on freelance work. I have managed to get two regular customers, and I’ve noticed that I’m able to make a lot more money when I do freelance work than any of my other methods. I guess I will be focusing on this as my main source of online income. Hey, since the first of January, I’ve already made almost a hundred bucks. Only fifteen cents of that income has been non-freelance. It’s definitely worth it to me to hit this angle hard. Whenever I’m writing content for other people, I’m generally earning between 15 and 25 bucks per hour. Too bad I can’t do this full time…yet.

2. I may slack off on paid posts. That was my main income source in 2008, and it was great, mostly thanks to PayPerPost keeping me well stocked with jobs. The problem was that I believe it was affecting my page rank (dropping this site from PR3 to PR2…which isn’t terrible, but I want it to recover eventually). I will still do a few, but I may just hang back a bit on it.

3. I will most likely cut out all of the PTC sites that I use, with a couple exceptions. I’m not really serious about them, and even though I thought that Pay2Surf was a great site (and still have hope for them), I requested a payout well over 90 days ago, and have yet to get any response. I don’t want to say they are a bad site, and I’m reserving judgement for the time. I know they have had massive growth, and I don’t  think they will dissappear any time soon, but I don’t want to wait forever. Oh, and it’s also been mentioned in their forums that negative posts on member’s blogs about the site will get members banned. Hmm…I don’t consider this a negative post at all, in fact I hope the site does very well. Unfortunately, there are concerns, since most PTC sites are scams. I doubt P2S is a scam, honestly, but it does sound like I’ll be waiting indefinitely.

4. I would love to have more free time to work on content for this site. Perhaps I will try to make that happen. There is a small chance that I will be getting a laptop soon, so I’ll be able to work from, er, work. That means I will be able to not only work more on this site (and my other blogs), but I’ll also be able to do more freelance work and make bigger bucks.

5. I’ve set up a mailing list feature on this site. Use it. I don’t have any intention of using it all the time, only every now and then when I either need to communicate something with my readers or have a super awesome deal for someone. No, I’m not a super affiliate, so I won’t be cramming offers down your throats.

6. I have gained a ton of Twitter followers in the past couple of weeks. By the end of 2009, I’d like to be over the 1000 follower mark.

7. Unfortunately, my RSS subscribers have not followed the same path as my Twitter hoards. I’d like to have at least 150 RSS subscribers by the end of 2009.

8. Money. I’d like to make lots of it. Last year, I set a goal of $500 which I proceded to decimate just past the halfway through the year mark. This year, considering how I’m only four days in and have made almost $100, I’m going to double that goal. This year I would like to earn a minimum of $1000 online.

9. On the business end of things, this year I would like to do a couple of things. First, I want to learn more about running this more as a serious business and less as a monetized hobby. I already keep track of all of my online income for tax purposes, but I want to take this more serious than that. This year, I need to get a real business model put together and learn how to run this thing the right way.

10. My personal goals are pretty straight forward. I would like to get back to college and take a few classes online. Eventually, I would like to get a degree in accounting. My goal is to try to get started back in school this year. Also, I want to get my personal finances on track where my ‘real job’ does just a bit more than just vanish. It’s going to take a ton of effort, but I’m hoping that becoming a penny-nazi will pay off. Also, I would like to work on my music. I just got a new guitar, and making some extra cash will help me get some fun gear for it. Maybe I can even play a couple of gigs for even more spending money. Yeah, that would be sweet. And last but not least, I would like to be a better husband and parent. I’ve got plenty of flaws in my oh-so-distorted personality, and I’d like to get past a few at least to the point that I can be what I need to be for my family. Also, I’m pretty sure that I need to spend more time taking care of my spiritual life. Alas, the most important things tend to get the most neglect.

OK, that last point was a bunch of points put together, but I wanted to streamline the personal goals. Not to mention, a top ten list works better than a top 13.7 list. Right?

So, readers and bloggers, what are your goals for 2009?

 


If you like these posts and want to stay in the loop, please subscribe to my RSS feed and follow me on Twitter. And if you really like this stuff, you can buy me a coffee! Oh, and if you like being an insider, be sure to join the mailing list...I never spam, but you will get some insider specials!

 

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I’m going to have to apologize in advance for this. It may sound more like I’m ranting, but I’m just so stressed out and I just had a disheartening realization.

My blogging and trying to make money is doing nothing to help my family. Nothing.

I would like to thank Bank of America for causing my bank to go into overdraft over $160 because of the ORDER in which they process items, and because their online banking window can still show a positive balance while in reality, behind the scenes, they are considering you to be overdrawn and NOT telling you about it (yes, I saved the conversations with their ’support’ that prove my statements).

This year I’ve made a fair amount of money with my blogging but have been forced to spend almost all of it on either fuel or food/drinks (mostly drinks) related to working my ‘real’ job which only pays $12.00 per hour. When you add the fact that now I apparently owe the bank money and cannot access the balance in my PayPal account any other way (yes, I just recently applied for their debit card), it’s hard to use the ‘extra money’ that is there.

I have two kids. A couple of weeks ago, my son got sick and had to go to the hospital. I make too much money for CHIPS, and I can’t afford insurance, so it put us in a bind. We have sold just about every book, CD, video game, etc. that we can get our hands on to try to make enough money for food and gas.

You know, sometimes I wish I were a Texas plastic surgery expert, I wouldn’t have to worry so much.

And yes, I’ve tried discussing cutting spending on things before. Since I have ZERO control of the cashflow around here, I am pretty much just written off or ignored outright. It makes people mad to hear what I have to say about the money because ‘I have no idea what goes on and how the bills work, and I shouldn’t worry about it.’

Blogging, for me, has become something I love to do because I have some kind of creative control over it. You know, since I sold my guitars. And, I know that I can make a little bit of spending money with it, even if it all gets spent on necessities.

Blogging helps me blow off a bit of steam. I enjoy being creative and getting paid for it.

In truth though, it really isn’t helping our situation any. I’m learning a lot reading other blogs, but in reality I’m not making enough money with it to actually help. Well, I am, but it is being spent on other, more pressing things, so I can’t save any of it.

It looks like I will reach that $500 goal for the year, but the laptop I was planning on getting will probably not be happening. Until it does, I’ll be blogging live from the abnormally hot garage.

I keep jokingly telling myself that ‘one day, my blogs will take off and I’ll make a decent supplemental income with them’. I’ve always been a bit naive, and I’m thinking that this is just another in a long series of stupid ideas that I will not be giving up any time soon because I believe I can do it.

I need to go back to college. I can’t, because I don’t have the time or money at the same time. Mostly, I don’t have the time. I can get the money. Grants will cover everything. But I also work a 12 hour night shift, and being a truck driver, I MUST be rested to safely do my job.

Meh. Some days I just hate being me.

 


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The other day, I stopped in a convenience store (Fas-Start, on Hwy 21 in Bryan, TX…just for your information) to pick up some stuff. I payed for it with my debit card, using the ‘credit’ option. I feel that it is more secure that way, because anyone can memorize a 4-digit code, but it’s a whole different thing to successfully forge a signature.

To make a long story short, the total of my purchase was somewhere around $6.50 cents (give or take a few cents). The cashier told me the amount, I gave him my card, signed the ticket, and left.

The next day I signed in to my online checking account, to see what my current balance was. I was a bit surprised to find that the idiot had rounded my purchase up to an even $7.00 and ran it.

Now, that may not seem like a huge amount to have stolen, but for those who are snowflakers, you would understand why it sucks so much: it adds up.

So let’s look at it this way: suppose the thieving scumbags did that to everyone who made a credit purchase (and I assume that they do it quite frequently). Even .50 each time, for only 10 customers…that’s $5.00. They are helping themselves to extra bits of change. MY change. And, since they are dishonest, I have no problem sharing the location of the store in this post, to help my fellow readers and friends keep from having their hard-earned money stolen by lowlife jerks.

The moral of this story? If you feel a bit sickened by stuff like this, you can always try fresh air as a remedy, but I doubt it will help. A better idea is to always check your receipts in the store. I didn’t do this. If there had been a discrepancy, I could have asked them immediately to rectify the situation. Since I did not do this, I’m out of luck. I can guarantee that I won’t be using them again, and I will most certainly tell people not to use them.

Note: I’m not the only one that has had trouble with this store, for the record.

 


If you like these posts and want to stay in the loop, please subscribe to my RSS feed and follow me on Twitter. And if you really like this stuff, you can buy me a coffee! Oh, and if you like being an insider, be sure to join the mailing list...I never spam, but you will get some insider specials!

 

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