(Bad) State of My Economy

Only halfway through the month, and it’s looking pretty bad. For starters, Capital One managed to throw on a $39 over limit fee from last month, which, coupled with the few automatic monthly online charges to it, pushed it back up to the balance it was at before my last payment. Yipee. I checked my account yesterday, and freaked out because it was showing me only having a little over a dollar in available credit. So, without even checking on my checking account balance, I made a payment. Sure enough, today when I go to make sure it went through… the damn pending payment disappeared. So, I initiated another one, scheduled for tomorrow. This isn’t the first time my pending payments have disappeared with them.

I also just updated all my debit card transactions through ClearCheckBook, and was surprised at how much spending I’ve been doing lately. Nothing big, but many small, and pretty typical (you know, beer, gas, and smokes). All said and done, I have a whopping $39.38 in my checking account (but they don’t know that… yet).

The emergency fund currently stands at $587.18. Not too shabby, I know, but not where I want it to be (that’s a month of rent!), and certainly not where it should be right now. I currently owe it $285.20, which means I should be standing at $872.38 (damn close to my goal). I had already planned on my rebate check going straight into the emergency fund, but now this begs another question: I owe it nearly $300, and my rebate check is $300, so… should I just pay off that debt with the check, or make it in addition to that debt?

Remember when I said earlier that this month was going to be really tough? Yeah, well, the two days of work I missed last week are going to kill this week’s paycheck, and I already missed two days this week (if you’re wondering why, it’s because I really, really, really, really, really hate that job, coupled with the fact that I know it’s not like I’m going to be fired or anything – probably won’t even get written up – first job I’ve ever had where you can pretty much screw up as much as you want without getting fired, which only serves to make employees not give a shit even more because they know nothing will happen… myself included, which is pretty sad, and not the way I wanted it to go, but oh well. It took enough effort on my part not to write a resignation letter completely berating upper management for being worthless sacks of crap). I am getting paid Friday from working at the park, but I don’t expect that to be too terribly much, little over $100 maybe. Granted, it helps, but not nearly enough.

All in all, I’m currently $1800 further in debt right now than I was at the beginning of the year (not including the scooter), I’m definitely going to have to dip into the emergency fund to make my payments this month, and all of next month will probably be spent catching up for this month. Which reminds me, I need to calculate an estimated take-home pay for next month’s work. Ah well… learn it, love it, right?

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