It’s Payday

Payday used to be exciting for me, but now it’s just another challenge.

I haven’t done anything with my bills at this stage, I have automatic deductions for my rent, consolidation loan and one of my credit cards.

I’ll have to work out manual payments for my other two credit cards and consider my phone bill and my overdue yacht club membership. It’s been a cold winter and I’m expecting a big power bill, but I’ll deal with that when it get’s here.

But that can wait for the weekend.

At the moment I’m in a situation where I need to look at relocating to another rental. Rental prices in my part of the world have gone up so to maintain my standard of living I’m probably looking at spending another $200 a month on rent, that I’d prefer to be paying off my credit cards. Such is life, I’d rather be over burdened by debt than live in a shoe box or share a flat with a psycho I found in the classifieds.

Site Updates

I’ve just given Credit Card Victim a bit of a face lift. Sorry to anyone that noticed any down time. It should all be smooth sailing from now on.

1. I’ve moved hosts, I don’t think there will be any noticeable difference in speed but it will save me $15 a month, it all helps.
2. I’ve upgraded the version of Wordpress I’m running which has quite a few benefits.
3. I’m using a new theme, which I think looks much better than my old one.
4. I’ve opened up commenting thanks to the Askimet spam filter that comes with this version of Wordpress
5. I’ve installed the Do Follow plug in which means that you’ll get Google gravy for any links in your comments.
6. I’ve deleted about 4,700 comments, the first couple of pages I looked at were all evil spam, sorry if anyones legitimate comments were deleted. I have money to make and no time to sift through all the junk.

That’s about it for now, I’m still playing with the layout but everything else seems to be working fine.

Update

Well things aren’t exactly dire, but my credit card balances aren’t improving either. So I’ve decided to take some action.

There are two ways to have more money, spend less and increase your income.

Spending Less
I’m pretty comfortable with my lifestyle at the moment so I don’t want to be cutting into that too much, however there are some changes I can make that just take a little stuffing around that I’ve been far too lazy for up until now.

I’m going to find a new host for this site, I’m paying $15 a month for it and I don’t have to be because I have another hosting package for my other sites where I could host it for free. It’s not a lot of money a

I must start taking my lunch to work, I spend about $15-20 a day on food which is just rediculous. I just need to get more organised and I will be able to save myself about $50 a week as a minimum

I’ve decided to sell some of my shares, They have gone backwards for a while now, and although they have been relatively steady for the last couple of months I can’t justify the extra interest I’m paying for them on my credit cards. I’m probably going to wear a $600 loss but I can take some consolation that it’s tax deductible

Income

I’ve got a fairly stable income from a day job, unfortunately there is no opportunity for overtime so I’m stuck with my regular pay packet from it. However I have a small payrise due at the start of next month, and there are also tax cuts due, so my pay packet will be going up about $100 a month.

I need to get serious about making some money online, I used to do it full time four or five years back and I’m confident I know enough to do it again, Just need to pull my finger out a little.

So what’s my motivation for actually applying myself this time. I’ve decided I want to own a home. I’m sick of moving around at the whim of landlords and what a home base somewhere that isn’t up for renewal every 6 months.

I haven’t had a proper holiday in over 4 years and that’s something that’s on the to do list as well.