money bags

As you may have read in previous posts, I am not very good with handling finances, I mean, I am, but, im also not. Ok, let me explain this to you like im talking to a 5 year old. Im not insulting you by the way, im moreso explaining it that way so I can understand it when I proof read. Anyway…first things first is I never have late payments. NEVER. Infact, since I have lived here (17 months) all of my payments haven’t even reached the period where its almost late but not quite. I mean the period between being on time and being late. You know, where the statement says “this is due on the 1st and you will incur a late fee if it has not been paid by the 15th’. So there’s those 14 days between where your not technically early but your also not late but you’d better get your ass in to gear if you don’t want to be late. This is often times referred to as the ‘grace period’.

Getting on with it.

I recently re-financed my house. Recently meaning today and from this I took some cash out of my property to basically catch up on some stuff and maybe a little bit of fun. Good on me. Smart move. Some would say it’s a bad idea but im all for having my money work for em and enjoying it and that’s what I do. I spend money. Even though I have not yet received the ‘cash out’ I have already booked a hotel in San Francisco this weekend with the intent to splurge in every store I deem fit to step inside, planned and will be booking flights down to LA to see some friends and again splurge on the fantastic LA shopping (its there, just needs to be found, I know this) and have many more ‘toys’ I have in the to get file.

To my credit I also plan on paying off my credit card and clearing half of my car loan from the books.

My problem with money is not that I cant pay bills. I can do that. My problem is I cannot save for anything. Luckily for me I have a 401k (basically for the aussies it’s a retirement plan) and I feel like that will be enough even though its probably not and I also have no idea how ill pay my taxes at the end of the year, although im hoping Christmas and bday money will cover that. So, in conclusion, even though it doesn’t seem like I have a plan I kinda do.

I will let you all know how SF is. I plan on getting a tattoo when I go to LA on the 25th so if you have suggestions please tell.

Have a good weekend!