I don't know how I did it, but I got my accounts hopelessly messed up. It comes down to partial charges by Amazon for shipments that I record when I place the order for the full amount, which they charge for only the amount that is shipped. Then, I compounded the error by transferring money several times in the wrong direction, or multiple times, (on my bookkeeping only) and then reconciling the accounts, which cleared out the detail.
I still have money in the bank, and the bank is basically right - I have an Amazon order outstanding, that was partially billed today. I have auto deposits coming in, and those will have to be recorded, as well. I'll just have to watch it carefully and make sure I don't go overdraft...
This happened because a portion of the first Amazon order didn't get shipped till after the second order started shipping, so I got the orders and figures mixed up. Then there was a transfer that was recorded to the wrong account, (at the bank and in my books) and is irreversible in my bookkeeping program.
I'm going to have to wait for the dust to settle, then do some journal entries to fix everything. Basically, no more debit card transactions or checks - only cash for a good 30-40 days. It will be tough, but I can do it. Dave Ramsey taught me how to live on cash. He's the best!
It's sure a good thing my debts are all paid up to date! I don't have to write any checks for a month!
Showing posts with label dave ramsey. Show all posts
Showing posts with label dave ramsey. Show all posts
Tuesday, September 27, 2011
Saturday, April 24, 2010
Money!
Goodness! Things got away from me, and I'm in a bit of trouble in my accounts. I'm working through it, but this is the first time I've had any such trouble in years!
It's scary! And I've worked so hard to have perfect credit, too. I've paid my bills.
I contacted all the folks who tried to dun me, only to find out that they weren't trying to reach me, just someone who lived down the street. I was the only land-line on the block for a while, there...
Then there was St. Mary's Hospital! What a joke! They were trying to reach me - but they had never sent a bill, and the service was less than 45 days prior. I reported them to the Better Business Bureau for their practices, paid them off, and I'll never go back there again.
Bur right now, it's really scary! I don't know if I can pay both the utility bills I have. Never mind getting food for the cats! And my mortgage payment is due on the first, when the billing cycle starts all over again. At least my loans are both pre-paid till June.
Oh well....
I've been extremely lucky (BLESSED) and cared for, and I know that at least one of the quotes I've given will pan out, and I'll have work coming in. I also start my job with the Census Bureau on Tuesday, so there's an end to this in sight. It's just getting through the next few weeks. We'll make it, I'm sure. I guess I just needed to say how scary it is, to not have work coming in. To not have money coming in.
I've been living pretty high for the last couple of years. To be faced with this - AGAIN! - is not fun. I'll have to really pay down all my debt, so that it's just the little things - the mortgage, utilities, food and gas - the living expenses - that come every month.
I really need to start saving, too! Davy Ramsey is right! We need a $1000 cushion for emergencies, and 6 months of expenses in the bank, saved. Then, we can begin to save for other things - cars, vacations, appliances, hot water heaters, furnaces, roofs, and so on.
It's so hard for me to save - I've spent to my last dime for so long, being so broke (poor), that it's hard to have anything in the bank, just sitting there.
A change of mindset is required. Not just a change of behaviors. I need to see abundance, not scarcity. I thought I was doing well, but I see it was not well enough. I need a full paradigm shift....
It's scary! And I've worked so hard to have perfect credit, too. I've paid my bills.
I contacted all the folks who tried to dun me, only to find out that they weren't trying to reach me, just someone who lived down the street. I was the only land-line on the block for a while, there...
Then there was St. Mary's Hospital! What a joke! They were trying to reach me - but they had never sent a bill, and the service was less than 45 days prior. I reported them to the Better Business Bureau for their practices, paid them off, and I'll never go back there again.
Bur right now, it's really scary! I don't know if I can pay both the utility bills I have. Never mind getting food for the cats! And my mortgage payment is due on the first, when the billing cycle starts all over again. At least my loans are both pre-paid till June.
Oh well....
I've been extremely lucky (BLESSED) and cared for, and I know that at least one of the quotes I've given will pan out, and I'll have work coming in. I also start my job with the Census Bureau on Tuesday, so there's an end to this in sight. It's just getting through the next few weeks. We'll make it, I'm sure. I guess I just needed to say how scary it is, to not have work coming in. To not have money coming in.
I've been living pretty high for the last couple of years. To be faced with this - AGAIN! - is not fun. I'll have to really pay down all my debt, so that it's just the little things - the mortgage, utilities, food and gas - the living expenses - that come every month.
I really need to start saving, too! Davy Ramsey is right! We need a $1000 cushion for emergencies, and 6 months of expenses in the bank, saved. Then, we can begin to save for other things - cars, vacations, appliances, hot water heaters, furnaces, roofs, and so on.
It's so hard for me to save - I've spent to my last dime for so long, being so broke (poor), that it's hard to have anything in the bank, just sitting there.
A change of mindset is required. Not just a change of behaviors. I need to see abundance, not scarcity. I thought I was doing well, but I see it was not well enough. I need a full paradigm shift....
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