August 20, 2006

  • Well, it's been a while.  Work is no less hectic.  It's actually more hectic.  And annoying.


    This weekend was supposed to be a relaxing one, and someone was supposed to come visit me.  It was part of last week's plan, but that was sidelined until this weekend.  That was the plan.  However, the day before she was going to arrive, I get a text message saying that she'll be late.  It's not s big of a deal as the previous week, in which I had wanted to go to the movies.  The next day, she tells me that she won't be coming up, primarily because she says she had a stressful week, and wants to relax for the weekend.  That pretty much screws me, because there weren't many plans, but the idea for the weekend did revolve spending time together.  Later on, I get a message about how she's at a the beach with a "shitty magazine" and ignoring her surroundings.  Apparently, a weekend with me ranks below a place that you hate, with a bad magazine.  The next day, she tells me that there's a train leaving her area soon, and wants to know if she should come up.  I tell her that it's her choice.  She chose not to come, AND got pissed off at ME.  Things just don't make sense.  We haven't talked for the weekend, but I managed to have a good time without her.


    On a lighter note, I recently noticed my changes in financial panic.  For example, when I was a cadet, panic set in when my checking account had less than $100 in it.  I think the first time I really paniced was after buying mothers' day gifts my freshmen year.  I think that put me at having $90 to my name.  When I was in IOBC, the number was somewhere around $300.  Maybe $400.  Thanks to the asinine system that the army had set up for that TDY period, this was a much visited area.


    I have been spreading out my Amazon.com purchases lately, so I don't spend myself broke, and because I cannot read everything all at once.  However, I was looking at buying some things and that financial fear hit.  My checking account is below $1000.  I think the biggest problem is that every amount of money is the most that I've ever had, so I really have no idea how far it can go, and how spending now will work in conjunction with receiving the next paycheck.  It's as though I fear some phantom expense flying at me.  FOr example, here's a general snapshot of my financial situation looked like since September 2001:
    Cash Flow Forecast


    Cash Flow Forecast #2  


    That big yellow area represents the total of all the accounts.  The second one is where I remove the money that I put away in my TSP.  When it's negative, it meant that my debt exceeded what I had, which was my credit card, and the cadet loan is not included.  The huge spike is hen I received the money that I had saved from downrange.


    I seriously wonder when I'll get out of this "thrifty" stage.  Will there come a day, where I'll complain that my account is under $10K, and decide to put off buying a book until the next month?  What is a respectable panic level?  I mean, it's not like I'm buying a yatch or mega-yatchs.  There are a few monthly spending binges.  For example, once or twice a month, Amazon.com gets a little over $100.  I mean, it's not like I'm buying shoes.


    Black 6, out.

Comments (6)

  • Hi, Glad to be "hearing" from you. It is wonderful that you have set up a budget. This is very good and responsible. You might consider saving up for a deposit for a home? I hope your week goes fantastic! Having a wave hello, Sharon in GA

  • hey sir, do you recommend the thrift savings plan?

  • I am not sure what my panic level is anymore, it kind of changed after getting the cow loan where i think a coupl thousand kind of puts me a little edgy, but yeah i know the feeling

  • So you liked my inspirational photo huh, lol, did you notice the best part? The nice billboard sign in the lower right corner.. LOL...

  • Not sure Pat, but CNN Money and About.com recommend having your savings equal 3 to 6 months of "normal income".  Meaning that if you completely lost all income, you could live without changing a thing for 3 months, or live thrifty for 6 months. (And presumably live like a college student for 9 to 12 months).

    For me that number is around 8 g's... So I'm in saving-mode until then...  which will be a while... At least, I say that... In actuality I still go out and buy shit for myself.  

  • Hi, ryc: Yea, sometimes it seems that way, but I do enjoy hearing the crickets, frogs and the birds. Much better than listening to sirens and such. I hope you have a GREAT weekend! Take Care Please, Sharon in Athens, GA

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