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Thread: Planning versus PANIC!
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05-25-2010, 12:39 PM #1Registered User
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Planning versus PANIC!
So I am in the home stretch of my contract right now, and I am trying not to panic. It ends at the end of September (I know that's months away, but I like to panic early, so that I get really motivated!), so I am starting to seriously look for other work. It would be great to get something permanent with benefits, but I am not closing any doors.
There are a couple of things I am currently applying for, and hopefully more will pop up.
I have been putting a little money into my BEF, but I think I need less snowball and more EF in my budget right now. If I don't find something right away, I will get unemployment insurance, and that will cover my basic bills and minimum debt payments, but there is a waiting period, so I need to cover the interim.
I am also building up my stockpile so that I can live off the pantry if necessary.
Is there anything I am missing?BEF: $$120/$1000
Change Jar- $36.20
My New Computer Fund - I DO NOT NEED A NEW COMPUTER UNTIL I HAVE A FULLY FUNDED BEF!!
Debt Snowball - ON TARGET!!
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05-25-2010, 04:55 PM #2Registered User
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Sounds like you have a plan. You may want to check all expenses and see where you might be able to cut back. Ex: lower cable service, using cell phone only, walking to stores. Having a well stocked pantry can really be a life saver.
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05-25-2010, 04:59 PM #3Registered User
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I think it's good to start planning early. I've heard it take 21 days to make a habit, so you have time to make some habits and stick with them by then.
Working on Our Debt a Day at a Time:
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Bank of America: Paid $1054 of $1600
Dillard's: Paid $953 of $1750
Medical (too much to list so I am going one at a time):
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Chase #2: Paid $4489.75 of $4489.75 Paid in Full 12/09
Macy's: Paid $337.24 of $337.24 Paid in Full 9/10
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05-25-2010, 06:04 PM #4Registered User
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sounds good. good luck to you
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