D’oh!

D’oh!

I was being a good little steward with my money, keeping my check book balanced, then I got lazy. I stopped putting my earnings in the bank and it was back to the big white envelope. Yesterday I got a Bank of America alert on my iPhone… I was overdrafted! Over two months of living like an adult and I blew it. I felt shame. I was doing so well that I forgot to keep up with the actions that made it that way. The overdraft amount: -$197. Wow!

So now it’s back to the basics. Day one of my awesome new Journey again. An old timer once told me that “Square One Sucks!” But it doesn’t have to suck for long… right?

It’s 5am Vegas time and I’ve had a good nights sleep. Lots to get done today including all of my laundry, cleaning the kitchen, the gym, work on my friend’s website, grocery shopping, my day job (which starts at 3pm) and hopefully an appointment tonight. I deposited all my money in the bank and have a decent balance to start with. I have to penny pinch because of some big events coming in June including a bachelor party for one of my friends from High School where I said I would pay for a table at ‘Sapphire’ for 5 people and a trip to Florida lined up in July. I also want to get back to Ohio for a few weeks sometime this summer, that will be expensive too.

So now its time to get to work. Lets see how well this day goes.

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Fixing my Cosmic Balance

Fixing my Cosmic Balance

For some reason this has been a very troubling month in regards to client cancellations. Actually, even my friends are canceling on me. This afternoon I was supposed to do a job with a friend, then my friend canceled. I scrambled to find another partner, then the client canceled. And the client canceled specifically because he wanted to be mean and hurt my feelings; and it did hurt my feelings. I was totally about to cry. 5 times this month clients have canceled on me at the last second. This has never happened before.

I remember talking to my friend Tyler a while back during one of these ‘Bad Months.’ He said that sometimes you get months that are incredibly amazing and sometimes you get months that are a complete disaster. Well, this month has been a complete disaster. And the madder I get at the clients who make you free up your schedule, seek out other parties for them, require you to email and call them on a constant basis then pull the rug in an abrupt manner from under you; the more I realize that the anger isn’t helping.

I feel like the cosmos is punishing me for something I once did. Time to figure what I need to fix in my spiritual make-up so I can get back to life as usual.

I choose to be the winner that I know I am.

2 hours no Technology starts now. I’m going for a run at Sunset Park. Who wants to join me?

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Top Ten List

Top Ten List

Cheryl Richardson: “If you remove energy drains, you make room for what you really want.”

What are the top ten things draining my energy. What do I need to get done, but keep putting off, and the more I thing about them, the more I do nothing about it.

If I want a burst of energy, I have to attack the things that I keep putting off. These things are like weights that hold me down and make me sluggish. If I remove these things, my zest for life will sky-rocket! I believe that too. When I owed nothing, was responsible for nothing, had nothing to fix; everything I made was mine to keep and anything I wanted to do was mine to get done. It seemed like my dreams came to fruition more often during those days. So I’m pretty excited about this list.

Here it is:

  1. Fix Coolant Thingy on my truck
  2. Pay Off Banks I owe money to (only like $500)
  3. Pay Off Credit Cards (only $1200)
  4. Clean My Room
  5. De Clutter My Bathroom
  6. Contact New Agencies for work
  7. Set Up Online Automatic Bill Pay
  8. Go through My old Hard Drive and Pull Out all the Files I need
  9. Check to see if My Incorporation Papers are still valid in Ohio
  10. Research Marketing Events for my Magazine
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Easier Said Than Done

Easier Said Than Done

So last night after I saw a client I went shopping at Express because it was the last day for me to use my 50% off coupon. I only ended up buying 1 pair of Jeans. I wanted to buy 3 pairs, but the other 2 styles I wanted weren’t in my size. Bummer.

I did not have my Bank Card with me because of my new plan to keep me out of the Casinos. I did, in fact, have an extra hundred dollars on me just in case my client canceled so I could still go buy some new clothes. After purchasing the jeans I had to walk through Caesar’s Palace to get to my truck parked at City Center. While walking trough the Casino I saw my favorite Quick Hit machine with no one sitting at it. Anyone who knows me knows that I am a total ‘Max Bettor.’ It doesn’t make any sense to do the minimum bet because you can’t hit a Jackpot or win $500+ on a lucky spin.  Since I had the extra $100 on me, I took a seat in hopes of hitting one of the ‘Quick Hit’ jackpots.

After the first hundred disappeared, I popped in another $100 in hopes of breaking even. When that was gone, I popped in the last $100 hoping to walk away with at least $200. That didn’t happen either.

So I need to restructure the money situation. My new plan is this: Besides work, which I easily can walk in and out of a casino for that, no trips to the Strip unless I am accompanied by someone else. It’s mandatory that I get a handle on my finances if I want to be a business owner. And if that means I need people with me to say ‘NO’ for me, then thats what I am going to have to do.

Looking forward to being a Millionaire. Can’t wait!

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Money

Money

Cheryl Richardson asked a big question in regards to dealing with money issues and it was this:

“What is the one thing you know you need to do to handle

your money better that you keep putting off?”

The Answer to that question was easy: Keep money in my bank account, no more expensive nights out with friends and stay out of the Casinos.

As a single male in Vegas who always has a few bucks in his pocket, this town is designed against me. Every time I get bored or have nothing important to do for a while I hit the strip, which ends up costing me dearly.  So I have to create a way to prevent my money from making it to the Casino floor.

The solution I’ve decided to try is to take all my money (which happens to be all cash and in white envelopes stashed around my house) and put it in the bank. That way I won’t  have cash at my finger tips all the time. Next thing, with all my cash in the bank, I’m going to leave my bank card at home. That way I won’t be tempted to visit expensive casino ATM’s when deciding to hit up a club or throw down some cash at a hot table on a whim. The Whims are what destroy my finances.

The Clubs and the Tables aren’t the main things that get me in trouble, thou. It’s the overdraft fees. I’m willing to bet that last year I must have shelled out over $3000 in overdraft fees alone. I didn’t know this at the time, but there is something called ‘overdraft protection’ that I could sign up for. That means I’d have to open up a new savings account because I currently have a savings account at a different bank. Definitely something to look into.

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What Happened

What Happened

On Monday, Feb 15th, I went to put a deposit in the bank and found that my checking account had been over drafted with a remaining balance of -$297. “Not again,” I thought to myself. I thought something was wrong, like someone got a hold of my Check Card number and was using it at their leisure. After contacting the Bank on Tuesday I discovered that the overdraft was my Own Damn Fault. This is becoming a regular problem for me, Money mis-management. Obviously my job is a cash-only industry and doing regular banking is not something I engage in often, so my checking account is constantly being over drafted. I thought I finally got a handle on all of this back in December, but that was not the case. Something had to change… Fast!

I hired a Life-Coach back in September of 2009 to help me make my dreams come to fruition. He charged a lot and had lots of success with other people. I didn’t have the success others had attained, but then again I only put in half the effort. He was a Guru Type, all about Visualization, Meditation, and Morning Spiritual Ritual… very good stuff; and working with him I noticed my fears of money, relationships, family, etc… all drifted away. I also landed big-money clients that I actually got along with, visited some pretty cool places and even got to go to the Rose Bowl and watch my Buckeye’s Win! (It was the greatest day of my life). But while the big-fun-stuff was entering my life, the mechanics of my life were still being mis-managed and overlooked. Now I’m back to where I was in September and I’m ready to fix it, only this time doing it better.

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