Archive for Car Insurance

Two Jobs

I’m currently working both my full-time job Monday – Friday, 40 hours a week. Plus I work part-time on Saturday & Sunday at a convience store. I really like my full-time job. The company is great, the benefits are very good, & the people are good people. The second job on the other hand sucks. Seriously. I’ve only been at the convience store since the being of summer, but it’s taking its toll on me. Working 50-58 hours a week is wearing me down. My feet hurt all the time. At my full-time job, I sit at a desk all day. So I’m not used to standing all day. And although the part-time does afford me another $250-$400/month in additional funds, I don’t know if not having time to spend with friends & family is worth it. Plus, working another 2 days a week means another 2 days of driving. Which also means additional wear & tear on my vehicle. I should be using the full amount of extra money for paying down my debt. Instead I usually end up on puting part of it towards the debt & the rest goes towards fuel & other stuff. I don’t know how much longer I will last at this extra job, so I should try sticking to the budget I figured out & get my debt paid off as quickly as I can. Then I can drop the extra job & start sending more of my regular pay to my savings.

On a side note, I managed to come up with enough money to send my car insurance renewal payment early. Now I won’t have to worry about it at the end of month. A down side is that I got the notice for the utility bill & it was up $45-$50 more than it was the month before. We leaving the AC on too often & we aren’t unplugging things like we should be. That bothers me!!! I’m always good at keeping things unplugged, but the others in my family aren’t. I wish they would care more about the utility bill. I’m sure they’d be more concerned if they were paying it.

I’d been reading some other PF blogs about credit cards. Although I’m trying to stay away from them, I did sign up for the Chase Freedom card. Only because you get $50 cash bonus back after your first purchase & you don’t have to spend a certain dollar amount to receive the bonus. Also you get 3% back on any of the 3 out of 15 categories you use most often. And those categories can change from month to month. I have a gym membership that is charged monthly to my Bank of America card. Now I will change it over to the Chase card so I can get the cash back. I also heard that Chase was offering $125 to its Freedom card members that open a checking account. I could definitely use the extra money.

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I have a few small savings accounts. They all serve different purposes. I actually need to set up another as a “Pet” fund for my dogs’ vet & other expenses. Here’s what I have so far:

Regular Savings: $85.42

Emergency Fund: $657.23

Car Funds (Insurance, Registration, & Maintenance): $184.09 – this one is soon to be $334.09 once I can transfer the $150 I set aside from my most recent paycheck

My car insurance is due at the end of this month, so I’ve been tightening other expenses in order to have enough to pay the amount in full. I like paying in full to get the discount, rather than paying extra for making partial payments. Also, then I only have to worry about it twice a year, rather than having to keep track of another bill each month. I currently have a set amount being direct deposited into my car fund. In order to avoid having this problem in the future. Actually, after doing some math, I need to increase that direct deposit.

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