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Archive for July, 2015

June wrap-up, no job progress

July 1st, 2015 at 08:07 pm

Sooo...I haven't been much in the mood to write anything lately, just been keeping up reading other blogs. I've started volunteering with two local nonprofits and attending workshops at an employment agency nearby. Those workshops have actually been very helpful! I learned a lot of things about how the job selection process works--especially the now widespread use of scanning programs to sift through resumes submitted (especially those submitted online). Apparently there are a ton of things that you can do to your resume that can get it "misread" or "rejected", so I'm working on re-formatting my resume (and also editing it based on other things they taught in the workshops). They have a ton of helpful (and free!) resources and counselors.

I feel a little more hopeful now. I know the best way to get a job is through personal/professional connections, but I have virtually no network here...soo having to slog through the less-effective methods (applying online, mostly).

Oh! When I met with one of the counselors, he asked if I'd put my student loans on deferment--I said no, b/c I thought I didn't qualify since DH has income. Apparently I was wrong! I was granted unemployment deferment, and since it is a subsidized loan, it isn't accruing any interest in the meantime. That's ~$58 a month we don't have to pay until I get a job! (Good especially b/c premiums are due soonish for car/renters/dental insurance)

Anyhow, my mom will be visiting soon, but I won't stop with the job-searching--just tone it down a bit while she's here. I've planned out some fun (and cheap) activities to do while she's here, but our weather has been a little unpredictable lately (rain!).

So June spending was better than I expected (I expected it to be baaaad). I knew we spent nearly $600 in unplanned laptop replacement and car repair (yikes! For many people here that's a tiny percentage of incoming funds, but for us that represents about 30% of our monthly income). I'm going to do a better job of tracking spending this month, because I can't properly sort our charges at the end of the month. I do know that we spent a ridiculously low amount on groceries (b/c of the pantry challenge, and generally trying to cook more frugal than usual meals, anticipating high bills at end of month)...oh, and I took 250 out of our travel savings to cover part of our spending while DH's friends were visiting. Even with all that, we didn't go too much below where we were before (partially because I deposited random cash from around the apt resulting from my stupid habit of taking cash out to go to the farmers market, not spending it all, then just put it down in random places whenever I realize it's in my pocket)

Debt: $11,645.10 ($100 down!)
(My remaining student loan: $5,254.10 - in deferment, 0% interest)
(DH's student loan: $5,500 - not in repayment)
(Dental bill: $891 - 0% interest until late 2016)

Non-debt: $8546.05 (-$9....booo!)
(EF: $5,000)
(Checking/buffer: $1,616.83 - this increased b/c I deposited the cash we had laying around the apt)
(Travel savings: $1,753.64)
(Retirement: $175.58)

In happy news, retirement savings is up! We're going to try for $75 a month.

Well, off to work on resume some more, I'm going to meet with a counselor tomorrow