Starting the Year out Right

I have a check in my "business folder" right now. It has the cash value of my security deposit, and all of the furniture that I sold to my landlord, and is approaching three thousand dollars in value.

I received that today, and after I deposit it into the bank I am going to depend on it for the following:

Re-establishment of my savings that I borrowed from to put down the deposit on my efficiency.

Groceries, so that I can eat food with fresh ingredients instead of dried ingredients.

Student Loans, in order to make a large payment and eliminate one my my smallest loans entirely.

I believe that I can do this, and the math works out.

All in all, it's a good way to start off 2015, and if I can keep this kind of momentum going I might be able to start off 2016 saying I paid off 20k in student loans lat year.

http://www.bubblews.com/news/9763111-starting-the-year-out-right

Take Chances

In life we have very few guarantees. I would be lying to you if I said that I could always answer your questions and I knew exactly what I need to work effectively.
But I am telling you the truth when I see that taking risks can often have a large reward.I prefer to take chances when the options are slim because that chance and potential for my wasting can often resulted in a very strong reward.

I am successful 100% of the time but 100% of the time I am happy to take that risk because I understand even though there is a chance of failure there is also a possibility of success.
Indeed that unseen potential, unrealized possibility, that's what keeps me getting up in the morning.

As we approach this new year I want all of you to take chances and make some mistakes, sounds does up with success.

http://www.bubblews.com/news/9758962-take-chances

The Party is Over

The food has been eaten, and the party is over. Time to clear out and sweep it all clean.

I've got the day off today, and tomorrow too. My landlord is coming through for a final inspection in 7 or 8 hours, so I need to make sure that the place is spick and span, and maybe even sterile.

I've got a good stock of cleaning supplies together in a box, and I bought a few bottles of Febreeze for the upholstery on my couch and chairs. I'll throw out the scraps and clean all my dishes, sweep and vacuum the floors, and make sure that the things I'm keeping are all in my car before I sleep.

Hopefully I can get a check for the full value of my furniture and deposit from the landlord today, or if not tomorrow.

That is a serious amount of money, about as much as I got from selling my last car.

My budget is sort of strained without it, since I put down my other apartment's rent and deposit from my savings and I didn't working much last month (2 weeks off).

This was initially posted on Bubblews.com at http://www.bubblews.com/news/9761773-the-party-is-over

Potluck Dinner

I am really looking forward to joining my potluck dinner with my mates in the library.

 

Like the vast majority of young people I do not go back home for New Years Eve, instead I hang out with friends and acquaintances and think about what I'm going to be doing for the future.

Since I am a transplant in the city where I live most of my friends are actually just roommates' friends that I have co-opted and used as friends.

 

They like me apparently.

Or, at least close enough that we can still do favors for each other.

 

Originally posted on Bubblews at http://www.bubblews.com/news/9760918-potluck-dinner

All Done

Originally posted on Bubblews at :http://www.bubblews.com/news/9763096-all-done

I've been completely removed from my apartment.
I'm out, no going back, and I'm bringing the last of my things to my new efficiency.
All in all, things could be a lot worse. I'm moving into a stable environment from an unstable one, I am actually going to have slightly lower bills, and the position I'm in will hopefully spur me along to seek new employment.

I just don't know about missing my old perks of living with my roommates.

I had a lot of benefits, since I was friendly with them.

Nights out on the town, days spent in settings I didn't have the social capital to work myself into, and a feel for the culture of a town that working stiffs don't usually have.

Oh well, I'll make friends wherever I go, and I'm only across town. We can still hang out.

I made a bank commission

Originally posted on Bubblews.com at http://www.bubblews.com/news/9759180-i-made-a-bank-commission

I may have mentioned before but Capital One Bank offers a $50 credit to referrals, as well as a credit to the rendered by person.

It is a method of incentives and rewarding customers that I both admire and really take advantage of.
I am sharing that link all over social media: twitter, facebook, anywhere that I can put it.
The best part is that my identity is preserved while I still make money.

I just got a person to sign up today, so I'm happy to get that payment. So all in all I couldn't really be more pleased with it.

A year's Challenge

I have a challenge that I'm going to try this year.

I normally scorn those who attempt to use a trick to save more money, and tell myself that if I just manage the money that I leave in my bank I can probably get better outcomes than the penny stackers and envelope users, but I think that I haven't been giving them a chance.

Therefore, I'm going to do a combination of the change challenge and the 52 week challenge.

The 52 week challenge is an effort to save 1 dollar a week, and an extra dollar each week. That means that by the end of the year you'll be saving 52 dollars a week, but you can start with just saving a dollar.

That isn't interesting enough to me. I'm also going to save all of my change.
Every red or silver coin I get back, is going into a dedicated savings account ASAP

We'll see how it goes, if I have enough at the end of 2015 I'll get a secured credit card to boost my credit score and earn rewards.

Originally this was posted to Bubblews.com at this address http://www.bubblews.com/news/9761809-a-year039s-challenge