Hey all!

I got my finances in order last night, so I have more of a clue what is going on. I used to do it every Thursday night, because the system at work allows you to see your paycheck on Thursday. The beauty of doing that is that you know what you're spending before the money is available, and you're less likely to spend willy-nilly.

Now I realize that I will not be able to get my baby emergency fund up to scratch (it's now $325) unless I get a second job. So, that is the plan. It would be awesome if I could make at least $500 more per month. That would accelerate my debt snowball significantly. I would be out of debt and have my daughter's college paid for before 2014. I'm looking now, maybe I can get on with a travel agency, or maybe a hospital has PRN. I'm even willing to do med surg at this point. That should tell you how desperate I am!

Dave Ramsey describes two different types of personalities with money - a nerd and a free spirit. I am definitely the nerd. I have all of my financial stuff on a spread sheet with all kinds of formulas and everything. I'll try to post it. I am currently 5 months behind on that.

If I were to get a job with Lovelace, say. They pay $35/hr for PRN. So, $35 * 24 = $840/month for 2 shifts. That's pretty good. With approximate taxes of 27% (FICA, Medicaid, FIT & SIT) that would net me about 615 per month. I just did the spread sheet, and that extra money would mean I would be debt free (!!!!!) with a $24,000 emergency fund and $16,000 in a college fund by the time Madison goes to college. The extra job makes all the difference.

So, that's the plan. I start calling tomorrow.

'till we meet again!