It seems like forever since the last time I have updated this blog. But now I am back and still am broke:c
I am very much disappointed at myself as of the moment. I am still in financial turmoil, disaster and in the brink of losing everything I have established for. I do not know what is wrong with me?
Here are some of the problems, I have noticed:
1. When I have money even if it is $10 or $15 I have it exchanged to php through a paypal fund buyer and spend it all. Before I can spend it in one day, now I can stretch it up and last it for about 2-3 days.
2. I still owe people money but I am still paying them up until now.
3. I lost track on what I do and I always blame my husband for what is happening in my life for the past months but as of the moment, still am sometimes.
4. I am not a teacher anymore, I do not know if it is a good thing or a bad thing.
So here where I am today as of August 13, 2011 6:17pm GMT +8.
Debts:
Mr. E - 4,040php ($101.50)
Mrs. S - 6,000php
Mrs. I - 1,500php
Ms. LS - 4,000php
Globe - 5,000php
Smart - 4,000php
Ms. AL - 3,000php
Mr. A - 1,500php
Mr. S - 720php ($18 refund)
Mr. G - 12,000 ($300 borrowed)
Total: 41,760php
Not Updated Expenses:
Club Ultima - 22,200php
House Mortgage - 64,500 (78,000 for 5months - 13,500)
Cable - 1,560php (2 months)
Total: 88,260php
Fixed Expenses:
Club Ultima - 7,400php
House Mortgage - 13,500php
Cable - 780php
Prepaid load for Internet - 1,500php
Salary SSS woman - 2,000php
SSS - 780php
Total: 25,960php
Variable Expenses:
Groceries - 2,000php
Electric bill - 4,000php
Total: 6,000php
Income: uncertain
As of the moment:
Current Projects
Boots guy - $10.80
Blog guy - $30
UK Guy - $99
Wordpress Guy - $150 (uncertain)
Italian Guy - $90 (uncertain)
Total: $379.80
Note: need to finish my pending project before Monday comes.
Future Projects August 15-21, 2011:
UK Guy - $150 (50 articles)
Mr. M - $100 (uncertain)
Total: $250 (uncertain)
Here is my GAME PLAN:
1. 5,000php SAVINGS first. The first 5,000php I earn for the week will be my savings.
2. 5,000php per week for the house. The second 5,000php will be for the house.
Total amount allocated: 20,000php
Monthly mortgage: 13,500php
Excess: 6,500 (applied to old balance) in 9 months' time I am updated
3. 5,000php per week for monthly expenses. The third 5,000php (cable, SSS, internet, electricity, salary, etc)
Total amount allocated: 20,000php
Club Ultima - 7,400php
Cable - 780php
Prepaid load for Internet - 1,500php
Salary SSS woman - 2,000php
SSS - 780php
Groceries - 2,000php
Electric bill - 4,000php
total: 18,460php
excess: 1,540 (me time)
4. 5,000php per week emergency fund and investment. 2,500php for emergency fund and 2,500php for investment
total amount allocated: 20,000php
5. 5,000php per week for my debts good for two months from August to September. On October this would be part of savings until January 2012.
total amount allocated: 20,000php
Therefore, I need to earn $2,500.
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I need to earn $625 per week in order to achieve my game plan or cut down my expenses.
By January 2012, I will 280,000php (180,000 savings) and (100,000 emergency fund and investment).
Far from getting 1,000,000php it's 28% of 1,000,000php.
With regard to my expenses I will to reduce it:
1. Groceries - 350php per week or 1,400php per month
2. Internet connection go for monthly sun broadband - 645php
3. Electric bill - 2,000php
4. Salary for Ms. SSS - 2,000php
5. SSS - 780php
6. Club Ultima - 7,400php
7. Me Time - 1,000php
total: 15,225php
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