Setting Goals

Recent turmoil with myfinances caused me to have to re-evaluate my financial goals and needs. Thecomputer tore up putting me out of work for two weeks, the brakes went out onthe car I was driving and the well is having issues. I realized too late that Iwas broker than I thought since I had recently closed my savings account. Ineed $50 to reopen it. That sounds like a small amount but there are childrenexpecting Christmas. So what am I going to do?
I have been boiling water todissolve the rest of my homemade laundry detergent in the kitchen sink in orderto watch my child’s school uniforms. She has just enough to get her through thefour day week she goes until Nanna gives her Christmas which includes moreuniforms for school. I am trying to cut down on my utility bill so that we comeup under budget next October when the settle up bill is due. The current budgetamount is $245 a month which is what the average utility bill ran during thelast year. So far this household is just over $96 under budget which is a goodway to start the new budget billing year, however there are some problems withthis scenario as last year the first light bill of the new year (2011) was over$400 and the settle up bill was over $400 as well because that was not the onlyhigh bill that we received.
I have begun to turn thetelevision off in the living room while I work and everyone goes into anotherroom to watch a smaller television set. The heat is not working as well as Iwould like. I woke up one morning to find we had a freeze and it was barelyfifty degrees in my house with the heat on and working as hard as it could workto help make up for it to no avail. That means that I have to find analternative heating source or find someone to fix the duct work. I do not havea few thousand dollars lying around so a safe alternative is in my future. I amglad that I purchased a new battery for my lap top so that I am no longerconnected to power all day long. The portable device means no separate powerfor the modem so that is a tiny bit less electricity used, if only it would usesolar power to charge I could work outside.
What were the goals that Iset this time?
1. $50 and reopen the savingsaccount.
2. stop spending small changeand place it in my change jar to place into the savings account when it isfull.
3. replace my Rodeo withsomething smaller and more economical. (Gas is over $3 a gallon and it onlygets 15 miles to the gallon.)
4. Buy some clothes thatdon’t make me look homeless in the event that I am forced back out into thereal world as it is known to work.
Well, that’s all for now. Ihave articles demanding that I write them so I’m going to go get back to it. 

Interesting and hopefully quiet the rest of the day

OK so I cancelled the pest control service $33 saved. I downgraded my Internet to the economy, it’s a little slower but it’s only $24.95 a month. I left the cable alone at $55.50 a month. They did away with extended basic and the next one down is about $15 a month for channels 2-13 that I could pick up with an antenna. The new bill will be $72.95 before taxes with the $15 discount that runs through July. That’s more than the special that I have now but the end bill will be less than this end bill. The regular bill before taxes on these is $87.95 a month. There went the money saved on pest control. I’m going to check into prepaid Internet and eventually cut the cable off as soon as I find the shows I want to watch online and on DVD.

I’m looking for pre-paid Internet because while I work from home my time online has been reduced as I write more and more offline. I spend a couple hours a day online which isn’t bad. OK I’m going to see what else I can do. I’ll feel the savings from the cable when it’s not $120 before taxes at the end of the special. I’m off to see how to pre-pay my Internet bill without a phone line in the house and look at alternatives to cable television while still watching shows that I love. OK I’m gone.