Wave Chasing

OK, things are looking better. Figured out where I had a couple screwups in my calculations, so that’s good to get fixed.

Outflows are at $95.72 a day. Income is at $8.77 a day. Another Avon order tomorrow. Debt servicing down to $33.43.

Talked w/ a friend about the substitute teaching, she says I can get booked every day of the school year if I want. Awesome.

Go broke date: 1/14/2011
Projected retirement date as long as I can cover my expenses and don’t pull more than 4% from savings/year: 61
If “maybe” money shows: 48 to 52

Attempting to explain just how WRONG I am for the corporate environment, and that I am just at a loss as to what I could do full time that wouldn’t leave me just chewed up and spit out – it’s really hard to get across sometimes. It’s not a fear of success, it’s a fear of going right back into the same cycle where I am killing myself for a reward that is not even remotely commensurate to the effort, having no life, being constantly exhausted and generally miserable.

Loved listening to the radio today and having them say that we’re essentially going into a double dip recession. Oh joy!!

Expenses down a smidge to 77.65 a day, but not a damn thing coming in today, which puts average inflows by day at 1.85. Debt servicing at 34.08.

Go broke date: 12/13/2010
Projected retirement date as long as I can cover my expenses and don’t pull more than 4% from savings/year: 65
If “maybe” money shows: 50 to 54

It would be SO much easier!

Outflows are at 79.66. Income at 3.17 – picked up some $ from Prosper.com but not much else going on. Gotta get more hits on all blogs and work Adsense better. Debt servicing still at 34.25.

For those who may be thinking, “this is the laziest girl on the planet” – it’s not laziness, I swear. I spent 14 years working my ass off for Corporate America and had little more to show for it than a severe case of burnout. I just really, really don’t want to go back to that lifestyle if I can avoid it, cause it was pretty awful.

Go broke date: 1/8/2011
Projected retirement date as long as I can cover my expenses and don’t pull more than 4% from savings/year: 65
If “maybe” money shows: 50 to 54

Alrighty…went out for some post-reunion beers last night, spent some cash. Why must I love expensive beer so much?

Outflows at 69.86 a day, inflows at 3.23. Debt servicing at 34.25. No new income streams at the moment, but certainly working it.

Gonna have to chuck out a few bucks today for a new wall charger for my phone – I *know* I put it back in my bag at the hotel, but I can’t find it now to save my life. I’ve searched the bag a dozen times, my purse, and my car – it’s just decided to become invisible. I am quite sure that the moment that I grab a new one, the old one will appear. While I can charge the phone via USB off my laptop – it’s a very slow charge, and it might not be the worst thing in the world to have a spare charger should the old one reappear. But dammit, I would really just rather have the old one back!

Go broke date: 1/1/2011
Projected retirement date as long as I can cover my expenses and don’t pull more than 4% from savings/year: 65
If “maybe” money shows: 50 to 54

One thing I did find out at my reunion – people really don’t change. And getting the hotel room was TOTALLY worth it.

Outflows at 71.95 a day. Inflows at 3.63. (No clicks. Sigh. No surveys. Sigh.) Debt servicing at 34.13

Made the mistake of figuring out how far down I’d have to cut expenses given the $3.63 a day coming in and full time subbing and the summer off to cover things from now until the “maybe” money could arrive. Christ. $17.78 + the debt servicing. Obviously I need to bring in more cash! (Well, that is without dipping into savings – with savings, it would be $92.51)

Go broke date: 12/22/2011
Projected retirement date as long as I can cover my expenses and don’t pull more than 4% from savings/year: 65
If “maybe” money shows: 50 to 54

Yeah, it’s gonna be a spendy day. High school reunion. 20 freaking years, and they’ve turned into a destination wedding. I passed on the happy hour last night, but I still have a picnic and the actual reunion tonight. I’ll be forking over $100 for a room at the hotel, even though I’m local, cause I see myself absolutely wrecking the open bar. And then probably forking over some cash for the cash bar afterwards. And then a greasy breakfast tomorrow morning to tend to the hangover.

Outflows at 73.93 a day – had to do some shopping yesterday. What can I say, I like eating. Debt servicing at 34.17 and inflows are at 4.15.

“So, what have you been up to?”
“Monetizing the internet”

Go broke date: 1/10/2011
Projected retirement date as long as I can cover my expenses and don’t pull more than 4% from savings/year: 65
If “maybe” money shows: 50 to 54

A few more dollars.

Outflows are at 57.45 a day – monthly bill for HVAC/plumbing service contract came in.  It’s an old house, and it’s paid off to have the contract.

New item: Debt servicing. (Yes, I have debt, no, I don’t want to hear about it.) $34.17. Working on bringing that one down.

Inflows up to 4.73 a day – picked up a survey, got some Prosper.com payback, and processed all my Avon orders.

Go broke date: 1/11/2011
Projected retirement date as long as I can cover my expenses and don’t pull more than 4% from savings/year: 65
If “maybe” money shows: 50 to 54

New fridge has been procured – delivery in TWO FREAKING WEEKS.

Outflows at $55.19 a day – car and home insurance now in the mix. Not skimping on those!

Make that $57.23 – bill for lawn mowers came today.

Inflows adding $1.35 a day. Picked up some income from Prosper.com. Not much happening on the clicky front. Avon sales will be in the mix starting tomorrow when I take delivery. Have one order coming, putting in two, possibly three more tonight, will likely take delivery on Monday.

Challenges: Monetizing the internet. Getting more e-customers for Avon. Not spending all my money on beer.

Go broke date: 1/8/2011
Projected retirement date as long as I can cover my expenses and don’t pull more than 4% from savings/year: 66
If “maybe” money shows: 50 to 55

Plumber is here pulling the water line for the new fridge. More expensive than I’d thought. Discovered that the main water shutoff valve doesn’t fully close and should be replaced. Discovered that the shutoff at the street is inaccessible and the county needs to fix it before the inside main valve can be replaced. Good news: The water can be shutoff enough to pull the water line from the sink over to the fridge. Bad news: Still need to replace that main valve.

Outflows up to 52.33/day (had to hit the ATM last night) and inflows are averaging 2.76. Grr.

Just waiting for the plumber to finish up, then it’s off to procure a fridge. Yippee?

Go broke date: 12/23/2010
Projected retirement date as long as I can cover my expenses and don’t pull more than 4% from savings/year: 65
If “maybe” money shows: 51 to 55

I should be finishing a mid-term essay exam. If I am typing this, then I am obviously not finishing the exam. (Bonus: It’s for a class that will likely never do me any good, and I should have simply audited it.)

Instead of writing the exam, I keep thinking about the new fridge, having to clean out under the sink for the water line for that fridge, how to increase my Avon sales (did get a new online order today, woot!) why the hell I seem to have no ability to monetize the internet (please, click something!), wondering why the county isn’t accepting applications for substitutes until August 23rd (wouldn’t you want to have them lined up a touch sooner?) and generally thinking things like I should have just installed the bathroom in the basement 5 years ago instead of putting it away and watching the crash eat it. At least I’d have a bathroom in the basement.

More than anything, I just don’t want to have to go back into accounting and finance just to make a living. It was so wrong for me, and I am so NOT cut out for corporate America.

On the upside, my inflows have kicked up to $3.68 a day with the new sale.

OK, time to get undistracted and go finish this damned exam before I lose another 10 points for not getting it finished.