[House] My finances.

[Robin Lee Powell]

Please read this in its entirety.


May:

  If you subtract the $900 for cleaning services WRT RJ's Mom's
  house, I was in the red by $1,485.49, which makes it the lowest
  spend month I've ever had.  Woo.  My entertainment spend for the
  month was $320, which could be better, and food (which is
  date-night restaurants or household food orders, mostly; i.e.
  quasi-entertainment) was $129.  Nothing else remarkable.

June:

  If you subtract the $1,018.00 for a once-yearly life insurance
  payment, I was in the red by $1,388.27 (even better yay).  My
  entertainment spend was $134, but my food spend was $316.

July-to-present:

  If you don't count RA's traffic ticket and RJ's mom's house's
  taxes (those total together to 4,702.14, though, which is a lot),
  then I'm in the red so far this month by $1,230.54, which is not
  so great.  Some of that is one-time (lost $40 at Lucky, $150 for
  DNS services), but mostly it's because I slacked off because RJ
  had a job for a bit and I forgot to unslacken.  But mostly,
  though, it's because this is the first month since April where my
  $500 tax payment went through, so you can expect every month from
  here on out to be $500 worse.

The Upshot:

  The one-time payments I subtracted out above are important to
  exclude in terms of predicting future spend rate, but they still
  count as mone I had to give out.  As such, my bank account is
  getting rather thin; I have about $5,500 left, at a projected burn
  rate of $1,900/month.

  Basically, *if no further surprise one-time things occur*, we have
  3 months before I run out of money entirely.

  Until and unless RJ hears someone say "Yes, you will actually be
  getting money from 911", I don't feel we can count on that to save
  us.  It seems to me like this is the time to start considering
  more serious options.

  Some options I've thought of; feel free to suggest:

    - RJ: Remember when I said that I might eventually ask you to
      drop your good health insurance and take the free crap?  This
      might be that time.  How much does your current health
      insurance cost?  If it's like $100/month I don't much see the
      point.

    - RJ: Not sure if you've replied, but get me your debt payment
      breakdown.  If it's enough money, it may be worth borrowing
      from friends to pay some of it off.  In fact, can you send me
      a detailed breakdown of everything I'm currently paying out
      for you?

    - Borrowing from friends can definitely give us more time.  I'm
      worried, though, at this point, about believing that time is
      going to solve this problem.

    - I can stop ging out, like, *at all*.  That only adds like a
      month to our time, though.

    - A raise of about $40k would bring me back to break-even.
      That's about a 30% raise.  Not inconceivable, but probably
      involves going to another company.  Regardless, I need to
      start seriously looking.

    - Selling RJ's mom's house could give us some cash, but again
      that only adds time.  On the plus side, that's actual cash and
      not a loan, which is better.  This is turning out to be quite
      difficult, however.

    - If RA thinks she could suddenly get a decently paying job, she
      could go do that and RJ could be the stay-at-home, but
      obviously that's not an option I'm fond of, having come this
      far to put RA where she is.


-- 
http://intelligence.org/ :  Our last, best hope for a fantastic future.
.i ko na cpedu lo nu stidi vau loi jbopre .i dafsku lu na go'i li'u .e
lu go'i li'u .i ji'a go'i lu na'e go'i li'u .e lu go'i na'i li'u .e
lu no'e go'i li'u .e lu to'e go'i li'u .e lu lo mamta be do cu sofybakni li'u