Money Matters 101...

[Melotic]

I haven't forgot you, Jaila... I just can't find my notes... But, I remember most of the steps...

[Melotic]

Diary steps...
Pre~Pay Days for the year... No over~time... include totals...
Pre~date all billing due dates for the calendar year, include the totals...
Save all your daily receipts...
Enter the money spent per day...


More to follow...

[jaila]

thank u sweetie. I just taught myself how to manage my checking account and have no overdraft fees. My goal is NONE for february. I stay so busy and just "do" instead of plan that I mess it up on a regular. Paid over $200 one month in just fees...DAMN. This has to stop. Im feverishly taking notes so when u got em im on it!

[Melotic]

That's a biggie, make sure balance your check~book... Alot of people tend to forget debits...

[jaila]

my problem was my first account was with a credit union which operates differently from a regular bank so i got off to the wrong start. Everything was instant witht hem...the bank is delayed so i'd get confused but i got it now. And so ur saying, mel, that i should mark what my regular pays should be on a calendar so i know what im gettin not countin extras right? then put on the same calendar all billing due dates. and track spending daily.

[mack_black]

... Paid over $200 one month in just fees...DAMN. This has to stop....

Now that is an Amazing story...for me thats way hard to do.....life gets much easier if you can see your money online...The moment a check clears, I can see it.....the moment I get paid I can see it...the moment that the gas card gets used....I see it....

[Conjure Woman]

Now that is an Amazing story...for me thats way hard to do.....life gets much easier if you can see your money online...The moment a check clears, I can see it.....the moment I get paid I can see it...the moment that the gas card gets used....I see it....


We do online banking too and it has helped me manage money better.

[jaila]

Now that is an Amazing story...for me thats way hard to do.....life gets much easier if you can see your money online...The moment a check clears, I can see it.....the moment I get paid I can see it...the moment that the gas card gets used....I see it....


not really amazing, just a chick wit a lot going on who didnt have her financial life at the top of her list and is paying for it but is now ready to learn to do right.

[Melotic]

my problem was my first account was with a credit union which operates differently from a regular bank so i got off to the wrong start. Everything was instant witht hem...the bank is delayed so i'd get confused but i got it now. And so ur saying, mel, that i should mark what my regular pays should be on a calendar so i know what im gettin not countin extras right? then put on the same calendar all billing due dates. and track spending daily.
Count just your average take home pay... No over~time... Unless, you average that over~time or commission... If are get a newspaper, a pack of gum, coffee or etc. daily... write it down... Yes, use the sane diary or calendar, you could use two color pens... blue for income and red for debts or spending...

[jaila]

good idea, im takin notes indeed!

[jaila]

imma tell u why this is so hard. I got paid friday and that WHOLE check went to rent...so now...i have 46 cent in the bank. gas, food, i gotta "work sumptin out" and any bills due in this two week span...im screwed. But imma work my way outta this...cause i can't take too much more of living like this.