Wow, this year is going fast. Maybe it’s being in grad school, maybe it’s trying to make time for my Sondra, maybe it’s trying to keep up with my blog; probably, it’s a combination of all three, working together as a sort of tag team to keep my free time, well, anything but free. Alas, I suppose this is the natural way of things for adults; once you get older and have responsibilities, free time becomes more and more of a rare commodity.
In the same way, for that matter, money starts to be more and more of a priority in your mind as you start to get older. It certainly has for me; that’s a major reason I started this blog, after all, and as I attempt to build a family with my fiancee, it’s only likely to become more important. If I hope to become one of the highest net worth people on the planet, it’s going to take a lot more effort on my part.On that note, let’s see where finances stand, as we speak:
There’s really only one word to describe this: horrible. I’ve added more debt this month (mostly to my credit cards) than I make in three months as a grad student. The combination of lower summer wages, numerous car and medical costs, and lower stock prices, along with, I’ll admit, my own rather reckless spending at times, really did a number on me and my net worth. I’ll have to do a better job of going cash only with my spending, and cut down all but the most neccessary spending while I’m at it. Luckily, when the fall semester rolls around, I’ll be able to take advantage of student loans; it’s not a perfect solution (as I’m simply trading one debt for another), but lower, fixed interest rates and the ability to defer payments (and interest, for at least the subsidized loans) will be a help in getting out ahead of this.
There is one bright spot in all this trouble: my blog is as popular as it’s ever been, if not moreso. My Alexa score is near the best I’ve ever had, and my Google PageRank has gone up to 5! (Apparently, I’m not the only one; I guess Google did a major update this June.) I’ve already noticed a significantly larger level of income via Adsense, and if I can keep up with blogging and build other alternate income sources, I should have a much better time financially in the coming months. All of which is a fine way to introduce my goal achievement list for the month:
Not too bad on alternate income; not the $1000 per month I’m aiming for, but for a fairly slow month as blogging and advertisements go, I’ll call it a success. I fell behind on my charity giving this month, but I’ll do my best to make it up in the coming months.
So, a mostly negative month, with a few bright spots. Now, all I need to do is cut my spending, increase my income, and ramp up my work on my side projects. Piece of cake, right?