Debts, Budgets and Saving Money

It seems like I can be spontaneous and get some crazy idea to buy something that I could live without ( which means something that I don’t really NEED). Mostly I get these crazy ideas when I am bored or when I am in any stores with friends. One solution is don’t go to shopping in town with friends. It’s easier to walk out of a store if I am not waiting for someone else who is taking forever to shop.

I have been wanting to save money for:

1. New eye glasses, 2. Alternative Naturopathy Doctor in Flagstaff, 3. Online school, 4. A car (preferably a van/roadtrek), 5. Land

The glasses might be a “need”, the others could be considered a “want”…depending on where I am living. But as long as I want them, then I should figure out a way to pay for them.

Every now and then, I have a friend that will post something on facebook that came from the debt-guru, Dave Ramsey. Well today I decided to download 2 of his kindle books, along with a few other books on the subject. One is called “How to manage your money when you don’t have any”. That title actually made me laugh, because I am thinking…well that’s easy, no money means nothing to manage. But after starting to read the book, it’s obvious that the writer has never been homeless in GA, and lived on no money…zip, zilch, Nada, nothing, NO MONEY. Hmm, I wonder what advice the writer would give my friends in GA.

Another book I downloaded was “The no spend challenge guide”, well now that sounds like a title that my friends in GA could write. I haven’t checked the book out to see what it’s really about yet. But I will assume it’s like most and that any advice you get from a person who has any money will always be different from advice you get from a person with no money.

Yes I have had my job since right after Thanksgiving, so at this moment I have a little bit of money. But not enough to last me half a month without my job. I am lucky enough to live in a state with a minimum wage of $10.50/hour. My rent of $30/week ($120/month) is automatically deducted from my pay. That includes rent, utilities, cable (or dish tv??), and free crappy wifi. Unfortunately it also includes 6 housemates with 1 kitchen. Its employee housing, so the housing comes with the job. Not many places in the USA, that will allow you to live somewhere for so cheap. I know others that actually pay over $1,000 just for the rent and then about that much again for all their utilities combined. Now that’s totally ridiculous and high way robbery.

For the most part I like my job, but I don’t like the housing situation. I have applied for a transfer into the park, (2 different locations) in the village I would live in a dorm-style building. I could live without a car in the village and not worry about budgeting for that now. If I get back to Desert View then I would live in a 2 bedroom apartment with my own bathroom, but would definitely need a car.

I am getting tired of having to re-buy the same things everytime I move. Who wants to budget for things like pillows, bedding and kitchen supplies every 3-6-9 Months? Which really make big moves so ridiculous, because in the long run I end up losing money instead of saving it

I also have a bad habit of being spontaneous and just leaving this area all-together and ending up in some unknown place which doesn’t work out very well financially. So I end up back at the Grand Canyon eventually because it’s my safety net, it’s my home away from home, and it’s the 1 place that I just know that I can afford to live. Even knowing all that, I have still put in applications for Crater Lake and Zion and Badlands…none of them pay as much as I get now, it would take time and money to arrive at each location, it would take money to re-buy anything that I couldn’t pack to take with me…

Usually most “debt-gurus” will tell you to keep track of where you spend every penny for a week or 1 pay period…depending on how often you get paid. I know where my money goes…amazon and eating out. You see even though I have a nice kitchen at home, I have to many darn housemates so I have no real space to put food or cookware. And most of them are asleep and want the house to stay quiet when I get up in the mornings and/or don’t want to smell food at night either. Which is why I go sit in McDonald’s on Mondays when I am off work.

Maybe instead of worrying about budgets and saving money, I just need to think of staying in 1 spot for awhile. So I really hope I get a job in the village and live in Brandt Hall again. That really would solve some financial issues. Oh and the rent would be the same in the dorm as it is in my house now. The jobs inside the park will be with the same company, going through the same HR office, so if I ever do wander around the country later, it won’t look like I transferred jobs on paper. Yes, hiring managers around the country hate the fact that I can move around so much.

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