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I forget the man's name right off the top of my head, but he has a book about this; ironically enough you can "charge it on your card" to purchase! So, kind of funny there! I checked out the book at the library instead, figured out what to do, and still have not gotten around to it. I need to get it all down on paper, and I've asked for $200.00 a month extra from hubs for what he gives me towards bills (he pays our entire mortgage) and I tend to to take care of the rest. However, he does put his own gas in the car and treats us for different odds and ends, fast food, movie night, day at the beach, you get the picture...
The only problem I see with this is the way I get paid. I am an IC. I only have one online company that truly pays me on time. My other accounts I bill every other week but they don't always pay right away (could be a week lag sometimes) and another I only get once a month. Also, the work fluctuates. So, I may make $1.400.00 a month with one account but if the docs go on vacation, that can bring it down to say $600.00 a month.
So while your plan, I agree, is wonderful and yes it does work, and yes I'm going to give it a try, doesn't always pan out "budget wise" income wise for me personally being an IC and having fluctuating work. I might add the online company I range anywhere from 14,000 to 20,000 lines a month given the work is there, I work from a pool; no line quotas, and no set schedule. So, I need to be on my toes to grab the work. I do have a lot of accounts to choose from, but when I go out twice a week to pick-up work, I am away from the computer, hence losing some of those jobs I could have grabbed. I check all day long until 11 p.m. to make sure I take all that I can.
Sorry this is so long, but I think that's where I am so "floundering" on this "budget" thing where I am never sure if I'll have "my end of the budget" every month. I don't have a set income, but I would not trade this profession for anything; been doing it 20 years, and love it and love being at home with the kids (school age), but still... |
This is wonderful. - This is basically the "snowball"
