Argh! Ouch! Grrr!
So I have the situation of many academics and teachers where I am only on contract and paid for nine months of the year. When I learned this, I opted for the plan --- also, theoretically, common for academics --- of having smaller paychecks paid 12 times a year. I'd rather get regular checks than have to deal with making sure that my big rent amounts stay there in the account all summer. My mom, the conservative, has always railed against this "infantilizing" treatment of teachers which was in place when she first became a high school teacher back in the early 60s, saying that it was insulting for them to withhold your money as if they knew better how to steward it than you. Well, I am totally ok with that, and these days my savings accounts are getting about zero in interest, so it's not like I would be better at investing it than the school. Sign me up for a paycheck every month the rent is due, please.
Then I discovered that HR is basically closed during summer and they cut all the summer checks at the same time and you have to come to campus and pick them up and dump them in the bank yourself. Argh. So I am in the same place as where I started. Why is your 12-check method in any way useful, HR?
This left me in the position of having to budget and plan and generally not be an infant ---- and I swear! budgeting went on! there were columns and plans and lists and stuff! I swear!
But what has now come out to bite me are: 1) my desire to pay off these damn credit cards and 2) my inability to realize the the one-year anniversary in this place would mean that various introductory deals for things like the internet would be ending and the prices rising and the new higher rent rate would also kick in. Plus my dad, who has been getting ever more confused, told me it was time I took the cell phone bill back ---- he had been really nice and put us all on a family plan that he paid for back when I was adjuncting and then my brother and then my sister all lost their jobs. It was real nice of him, and I gladly agreed that I could go back to paying my cell phone bill now that I have salary. I just didn't know that I would be doing all the paperwork and calls in June and then not get a bill until the end of July and that the bill would include all of June, July and August. Crap. I guess that would be unknown number 3).
Problem number 1) of course is not actually an unknown ---- it is well documented that I am an impatient, impetuous, idiot. So when I had this big pile of money all in a lump sum and goal date of October for the credit cards and one of them being tantalizingly close to zero, of course, after totting up a couple budget scenarios, I decided to cut it as close to the line as possible and slam as much money at the credit cards as I could. Hahahahahaha! Stupid me. Sigh.
Anyway, super frustrating. With the higher bills and paying the minimum on my cards next month and one tiny savings account stockpile paying the cell phone and the other paying the electric bill (have I mentioned I live in The Hot Place?), I will be able to squeak through August to the next paycheck with literally pennies to spare over the required minimum balances I need to keep. Yes, that is including my student loan payment. Everything just barely covers. Sigh. I struggled so hard to build up those teeny silly savings balances!!! This whole adult responsibility thing blows sometimes doesn't it?
Ooh, and did I mention that another house came on the market in that historical neighborhood I like looking at? This one is a total all-American 50s style, flag on the porch and Harvest Gold carpet and everything. It's cute! ....Yes, I know .... another good word for me and my bad habits would be incorrigible.