Monday, December 8, 2014

Moving Forward: Now I know what I have to work with

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I finally received my first "salaried" paycheck on Friday and I can now put my plans in place as to how to divvy up the money. The first pay of the month will go towards mortgage, homeowner's insurance and car insurance. The second check will go towards car payment and satellite tv. Adult son's monthly contribution will go towards gas, electric, internet and part of the quarterly water/sewer bill. Cleaning pay will go towards groceries. Gas money will come out of both paychecks and the balance left over will go into the bank.
I recently read a blog about a woman who is a compulsive clothes shopper and who chose to go an entire year without buying any new clothing. I am inspired to try this myself. I love clothes and I love getting new things but I am going to challenge myself to go an entire year without buying myself anything new. I have plenty of clothing for both seasons and I look forward to getting creative with how I pair things up and use accessories (speaking of which my college daughter has a large array of scarves which I intend to dip into).
Speaking of finances. I was shocked to see when I checked my bank balance that I was $247 short because XM radio had made an unauthorized with drawl for an automatic renewal of my service. When this happened last year I called and after speaking to several customer service reps finally had it put on my account that they were NOT to do an automatic renewal this year. So much for 'putting it on my account'. They honestly have the worst customer service ever. Last year GF gave me a year of radio as part of my Christmas present. This year after college son showed me how to stream I Heart Radio through my Bluetooth in the car I realized that I can listen to almost exactly what I was listening to with XM for FREE. I called and after speaking with two customer services reps finally got a confirmation number for CANCELLING my service and reimbursing my money. Of course it will take them 3-5 days to do so. <sigh> believe me I will be calling if those funds are not returned by Thursday. The satellite radio and my Amazon Prime membership are two annual costs that I have decided are not really necessary. I have already set up Prime not to renew in January. A simple process done on the website. XM could learn something from them.

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