My new budgeting technique!

In the spirit of my newfound organization (and new workspace), I have been getting everything in order -- including the finances.

Now that I get paid every two weeks, the budgeting month to month wasn't working. Some months are two checks, others three checks. Sometimes I ran out of money before the month was up.

Instead, it made much more sense to budget paycheck to paycheck. So, basically, for each payday, I decide what bills fall from that date until the next payday.

Here's an example I made to show what I mean.


Paydays are at the top. My expenses are listed in order of due date. And the amounts for each are listed under the appropriate date. It helps me see how negative or positive I will be for each pay period.

I use google documents because I can check it from anywhere, anytime. It's working well so far.

What's your budgeting techniques? What works for you? Do you use Excel? A checkbook register? Quicken?



Dr. Ty
From the GAL Blog
www.getalifecampaign.com

Does customer service still exist?

The last thing I ever want to do with my last nugget of free time is fight with customer service. I feel like it's all I do nowadays between the new car, the car accident, and Sprint's auto debit snafu that resulted in multiple bank fees.

Yesterday, all I wanted was to pick up my license plates and ask a few questions -- that's it. This week alone, according to my call log, I called the dealership a total of 14 times. Most of those calls, I was directly transferred into someone's voice mail. They were nice enough to vary in whose voice mail boxes I landed. I kept calling back to possibly find someone with a pulse to answer my simple questions (of course, the operator is in a different building, so she doesn't know who's here or not.... please hold. click. ring. automated voice mail).

Now, I'm on a first-name basis with operators Karen and Cory (What's up guys? I miss you already), and it still got me nowhere. I missed one call from Mr. Salesman. Called right back. Left voice mail. Never heard a peep.

Clearly, I ignored my own rule #4 in "How Busy Women Can Stop Losing Money," and really should have just asked to speak to the manager. In my defense, I was trying not to be so mean and pushy, thinking if I could just reach lifeforms on the other end, the problem was really easy to solve.

Well, today, I got a manager -- the manager -- on the phone and he wasn't interested in my frustrating week in the least. In fact, he explained how terribly busy he was, and he'd call me back in 15 minutes. Fifteen turned into 45 and, fed up, I asked my mom to go in person and pick up the goods while I was at work. After he handed them over, she informed him that I still have not had my questions answered. He (again) said he didn't have time. He had customers. He'd call me in 15 minutes.


An hour later he called. He wasn't friendly. But, by then, I had already opened the Purchase and Delivery Satisfaction Survey email in my inbox (vengeance!) so my anger had decreased. I reiterated my frustrations on the phone, asked my questions (one of which he couldn't answer) and then he offered me free service on the first maintenance. Thanks, bud. Too bad, I never want to do business with you again.

Seriously, don't do me any favors. How about just doing your job?

I don't get it.

If you don't like animals, don't become a vet. If you don't like talking to people, fielding complaints, making people feel satisfied, then guess what? Don't pick a career where you have to talk to people, field complaints, and make them feel satisfied. Am I missing something?

Speaking of car buying, I found this really detailed site on Top 10 Car Dealer Scams. The author sounds even more pissed off than I was today. So, try to take the information in context.

My favorite part came before the scam info:

Funny one liners salespeople like to use on you. Did they take the same sales training course?

• "You're stealing food from my baby's mouth"
• "Everybody pays this fee"
• "We're losing our shirt on this deal"
• "The web sites you got the prices from are wrong."
• "This car won't be here tomorrow"
• "The bank requires you to buy the extended warranty to get loan approval"
• "Do you want the car? What will it take to make you sign today?"

I highlighted the ones attempted on me in red.

Not to mention --

Mr. Salesman: Just think about how you'll feel in that car...

Me: You don't have to sell me the car. I like the car already. I want you to get this monthly payment down. I wanna talk numbers.

Mr. Salesman: Well, I don't sell numbers, I sell cars.

Genius. Is there a way to buy a new car and never ever have to talk to car salesmen again in life... ever? Let me know.

Is there a such thing as customer service nowadays? No one from the dealership even called any time in the last three weeks to see if I was happy with such a large purchase (If they had, they would have found out about the brand new engine going out on me). Ugh.

The most disgusting part, is that we waste precious ME time talking to these knuckleheads, then we're too pissed off to do anything constructive.

Sigh - I think I feel a lil' bit better now.


Dr. Ty
From the GAL Blog
www.getalifecampaign.com

Rutbreakers #1: Frumpy v. Budget

I hate shopping (I know I probably lost half of my readership just with that line).

Sorry, I do. It's the lines, the congestion, unhelpful sales associates, and the STRESS of trying to find THE perfect outfit because I know I can't afford TEN outfits (Let's not even talk about trying to find clothes that fit women with curves without gapping, sagging or falling off).

I do like nice, new things. If only I could have a personal shopper with my exact proportions... (dreamily jotting that on my to do list)

Anyway. In my primary profession, style and fashion does not win you brownie points, nor does it help you do your job. Sometimes, it can even get in the way or leave you with a hefty dry cleaning bill. So, we wear scrubs. Some women look great in them, as if they were tailored to their physique. Me? Not a chance.


So, in my efforts to fight my most recent rut, I have vowed to start dressing like an adult (a cute adult) and leave my scrubs (which look like PJ's on me) at home as much as I can.

That sounds great except for one thing: I'm BROKE. If I wasn't broke, the new car has now made me broke. And most of my clothes either don't fit (too big or too small), are out of style, or have rips/tears/stains.

There's a light at the end of the tunnel --

Sarah Jessica Parker launched a line called Bitten at Steve And Barry's. Are you ready for this? Everything in the store is $8.98 and under. Yes, as in less than NINE bucks. Pants, blouses, shoes, accessories, the whole nine. If you don't like SJP's line, there are others in the store.
TIP: If you don't like what your closest S&B's has, try checking others. I have been in two so far and the selections varied greatly.

I was just so happy to find NON-frumpy clothes at prices that didn't knock me back into the rut off of buyers' remorse. I didn't know what to do with myself.

Target also has a few designers at affordable prices (and you don't have to step foot in the store). Let's not forget the oldies but goodies: Forever21, H&M.

Gone are the days of having to bankrupt yourself to be stylish. Just in time.

Dr. Ty
From the GAL Blog
www.getalifecampaign.com

In keeping with the last $$ post...

As I perused CNN's Living articles today, I saw the headline: How to find your hidden money. The skeptic I am, I avoided clicking such a foolish link. Instead, I clicked on: How close is too close to an ex? I know... I know... scholarly reading at its best.

At any rate, after sending the ex-article to about seven friends, up popped the money article again. It was tempting... and I clicked.... to my surprise, I actually found some of my hidden money at Missingmoney.com! It took me to the Florida state treasury website and I followed 3 instructions on how to print out the claim form. Fun-ny.

First the tax rebate -- now missing money! What's next??

My only piece of advice is: don't pay a service to find this money for you. Good luck!
Missingmoney.com
FDIC lost funds search


Dr. Ty
From the GAL Blog
www.getalifecampaign.com