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Proud to be here

May 3rd, 2009 at 06:21 am

Well, as though as the economy is turning out to be, I am proud to say that so far, I am having good luck getting through it. I sometimes feel that when I need cash, it somehow comes through.

A few months back, I had nothing, they I got back tax refund...truly a life saver this particular year.

In other ways, my expenses have been just below what I make, allowing me to relax a little, and desperately work to keep my job.

I have personally had friends and family be laid off or have hours reduced. I am lucky that has not happened to me.

In the end, I realize that by surviving bad times, one learns to be more conservative, and I have also learned that I will never allow myself to go without some sort of emergency savings which I am currently working on building up.

I will never in my life, allow my family to have to concern themselves with whether they will have enough to make ends meet.

This past year has been a learning experience for many of us, and its a life long lesson not to be forgotten anytime soon.


a TOAST TO...

to the future.... and to a better life

One month later

April 26th, 2009 at 05:23 am

Well, it's been one month since I took a part time job. So far, I have learned to adjust my schedule in order to meet my deadlines for my full time job.

This is truly a great learning experience. I have run across and seen some old friends and faces.

Having a second job has shown me first hand the hard life that many others have to make ends meet.

For me personally, the second job is not an absolute necessity, but it has helped me when it comes down to paying my bills.

At the time time, I have actually been able to save a few hundred bucks which gives me some comfort knowing that I won't be starving any day soon.

The hardest part will come when my wife will no longer be working and depend on me totally.

The part time work, and extra income has helped in keeping up with my goals of paying my credit cards aggressively. I am still months away from being debt free, but each month, I am a step closer.



I decided that my part time employment is temporary and that by the late fall, I would spend more time at home.

The shift might be hard after getting used to the extra income but someone we'll make ends meet.

Life is full of every day challenges. I am sure that through some ingenious way,I can make things work.


Time for a second job,

March 25th, 2009 at 05:52 pm

Well, I took people' advice and recently got an opportunity to work a part time job in the evenings & weekends.

I accepted. The pay will be minimum, but I figure that at this point anything helps.
Either way, I will probably be working only a few hours each week.

I don't believe it will interfere with my current first & full time job.

Well, its all for the best!!.

One hour was stolen from me!

March 8th, 2009 at 09:08 am

Well, I guess spring is right around the corner.
I was glad the weather was a lot nicer today that the rest of the week. I guess the temperature being in the 60's beats having had a snow storm this past Monday, which left about a foot of snow on the ground.

I managed to get out for a short walk.
Its the only exercise I really got the whole week.

I am not overweight, but I could definitely tone my body a little.

Anyhow, today we also needed to move our clocks forward. Although I still get up early in the morning, even on the weekends, it never is welcomed.

On the positive side of things, after today, it will still be light at the end of the working day.
I hated leaving work, only to get outside and feel like it was time to go to bed.
Now the sun will still be shinning.

Hooray!!! for the coming spring!!
I can't wait to get outdoors a lot more.

I love traveling in the region.
After having a horrible, we in New England really appreciate the warmer days!!


Happy Sunday to all!!

As I have said before...live can't get any better on my way up!!


http:www.on-my-way-up.com

Where can i find a second job?

March 7th, 2009 at 03:50 am

I work full time monday to friday.
There are times when I think that perhaps a great way to make ends meet would be to get out there and find a second job.

Although this sounds a lot easier said than done, I have given the thought very serious consideration.

The only problem is my preferred time to work additional hours would be just the weekend.

At the moment I haven't found anything.

Any suggestions?

(I have never worked in retail before, but it appears that it may be one of my only choices.)

Life is expensive in the City

March 5th, 2009 at 04:00 pm

Its seems to me that as the weeks go by, I haven't made much progress in being able to save anything.

I think regardless of where you stand in the socio-ecnomic ladder, if you don't learn some real financial discipline, you will always be in financial trouble.

I, for example, have the impression that if I earned a little more, could potentially pay of the significant amount of credit cards debt I have a lot faster.

I am working on paying as much as I can each month. I have set the goal of making at least $500 of principal payment each month. For the last three months, it has worked out great.

But changes in life and in circumstances lead me to believe that I should also be attempting to build up a small nest of savings.
I have nothing at the moment, which at times scares me a little.

I am basically living pay check to pay check. Who isn't?

This coming month, I need to revisit my priorities and see where things can be cut.

I, too, need to restructure my finances, but unlike GM or FORD, I can't go bankrupt, otherwise I will end up on the street.

Financial knowledge will definitely be something I will be teaching my baby once he or she grows up.

(I don't yet know if it is a boy or a girls) Its too early.....

The beginning of a new month!!

March 1st, 2009 at 08:56 am

Sometimes I think I am working too long without taking some time to get a breath of fresh air.

Its already March 1st, and it feels like December 31 just passed a few days ago.

My point, two months have passed, and I don't think I have done anything productive this year.

My goals: I don't even remember them.

On the positive side: I do consider the next items a great success:

1. I have manged to pay all my bills on time
2. I have managed to pay $500 in principal towards my credit cards as I originally planned.
So far the plan is to stay on scheduled, and eventually my day of debt freedom with come.
4. I still am happy with life...
I think this is worth mentioning...

Everyone needs goals in life and if they aren't worthy ones...there's no real satisfaction with what we actually do..

I have set news goal for myself for this coming month.

1. I am in the process of trying to see if I can get/obtain a part time position during the weekends, and evening during the week, if necessary to ensure that I can start saving some money this year.

2. I also have the intention of applying to a local law school.

This is by far one goal that has come and gone, but I have decided I will shoot for the gold.

It requires me shifting my priorities for the next 4 years, as I plan on pursuing this part time.

I want to ensure I can keep working full time, study part time, and balance my personal life as well.

Its quite a challenge, but I am ready and up for it.

Here we go....to to start working on my personal statement....

No betther entertainment than free family visits

February 22nd, 2009 at 06:33 am

I got thinking that most people spend $20 a week to go see a movie (usually you don't want to go alone).
And this doesn't even take into account buying any really expensive, yet not worth it, unless you are starving popcorn.

Well, I had a great time visiting some family members I had not seen in a while.

At times, I feel these visits are great ways to reconnect.

I am a young guy so there is a lot of knowledge my aunts and uncles have shared with me over the last few years.

Nothing beats a free fun evening with family.

Try it sometime...you never know how much you might enjoy it.

Chico

Life is full of surprises!!

February 16th, 2009 at 06:13 pm

Its amazing how time flies. Over the last few days, my wife and I talk about how much we have enjoyed previous summers.
I was just listening to the radio came on.
I remember the great summer of '04 because of it.
2004 doesn't seem that long ago, but in reality its almost five years ago.

I guess I am just going to have to get used to living with time flying by.

Soon, I will have children and they will grow up.

I can't wait.

Hopefully my finances stay in order for me to make ends meet and to ensure that by the time I want to retire there will be money there for me to live on.

I would have to be a burden on my children in the future.

Chico

wwww.on-my-way-up.com

How to negotiate the purchase of a new car.

February 15th, 2009 at 05:47 am

I just wrote a more detailed explanation of ways to negotiate a good price on a car.
You can find it on my web page:

http://www.on-my-way-up.com

Let me know what your thoughts are, and whether I was clear or not.

Thanks for your opinions.

Chico

Love is free!

February 13th, 2009 at 04:35 pm

Happy Valentine's.
No price can buy one's true love.
For me there is no better gift than knowing that the company of my wife brings great happiness to my heart.

Valentine's day is a day that has been commercialized to the fullest.

But for me, true love is priceless.

I wish you all the best, in life, love & happiness.

Happy Valentine's Day.

Just pick up my car last night!!

February 10th, 2009 at 08:31 am

My wife is very happy with the choice that we made.

We definately agree that this car will give us peace of mind & reliability.

I can do travel to see my uncle who is about 2 hours away about worrying if I can make it back or not.

I can't wait for the summer when I actually do a lot more traveling.

I just bought a MATRIX 2009!!

February 8th, 2009 at 04:51 pm

Talk about spending money.



I just spent $18,900.00 on my new Matrix. I needed a new car because my previous one was having mechanical issues.
I didn't want to deal with it anymore and this deal should permit me to live trouble free for a good while.



Talking about finances: I managed to get myself a good deal.

I got 2.9% on a $18,000.00 loan and payed the rest as the "down payment."

The breakdown on my costs are the following:

$18,900.00 purchase price
$945 (5% sales tax)
25 (transfer registration fee)
50 (new title fee)
298(document fee-financing applic. fee)

GRANd TOTAL:

$20,218.00

DOWN PAYMENT IN CASH $2,218.99

LOAN AMOUNT $18,000.00
Special rate financing at 2.9%.

My next 60 monthly payments will be $323.03 each month.

(PLUS INSURANCE).

Hope this gives an insight into the hidden extra fees associated with purchasing a car.

I will discuss "Negotiating the price" momentarity...but believe me...the better prepared you are the better you can handle the situation..with NO SURPRISeS..

I got grilled for a good amount of time before they gave me the price I go..

...I feel like I got a good deal...considering the options in the car.

They were asking $22,259.00 & I got it for $18,900.00; a reduction of $2259.00

Oh well, I am spending a lot of money...and getting in more debt...in the end I am doing it all for Barack Obama.
I am helping stimulate the economy...

...now if I could only stimulate a pay raise soon....

-More to come-

Thursday is sinonimous as "payday"

February 5th, 2009 at 06:05 am

The only good thing about this day is that I can pay my new bills coming up next week.
Car insurance & utilities due dates are right around the corner.

I just can't believe how fast these past few days have gone by.

On the positive side...I am happy...things are good...I am welll...

Well, that just means I can keep working harder.

Better days are ahead..

I am certain of it.


Chico

http://www.on-my-way-up.com

February 2nd and counting

February 3rd, 2009 at 07:18 am

It seems that 2009 just started and I thoug this year would be off to great start, but I was wrong.

To begin, I just had to pay a $200.00 fine (See post below).

Not only that, this month is short, which means my rent money doens't really give me any ability to progress.

Sometimes I feel that we should pay equal amounts of rent for every month except February.
We all deserve a discount sometimes. February just doesn't seem like a fair deal.

On thought of good news: I kinda got a discount back in December.
My landlord was nice enough to take $50.00 off the rent (Kind of like my Christmas Gift).

In these financially strapped days anything helps.

I have a challenge for all of you to help turn our community into a happier one:

May I suggest a random act of kindness from all of you....make someone's day shine with a smile.

Let me know what you guys do...

best of luck