So, I've been using the Whatever thread as a blog, but it's a bit... chaotic, to say the least, so I figured I'd start a blog thread here instead. But I want everyone to be able to comment at any time and add their own blogs too, so I figured a thread rather than, you know, an actual blog would work better.
I figure if you have anything to say about your day that's actually descriptive and specific, you can talk about it here (pics are welcome). For more general comments about life, the universe, and everything, the whatever thread is probably still our best bet though.
So. I'll start with explaining my situation. I'm in France on welfare right now. Moneyphobics beware, I'm about to talk about money (and I'll do it a LOT. I love talking about money. It allows me to feel like I have some control over my life when I can crunch the numbers.) The rest of this post is only about money, and it will feature in pretty much every post afterwards. So, be warned I guess.
So, I get €410 a month. My rent is €190, my debt repayment+savings plan (more on that later) is €125 and probably going to get higher, my phone+Internet bill is €32 and my electricity+water bill is as of yet unknown and will be different every month (I'll know how much it is for the first month later today).
I'm potentially able to get help from the state for both my rent and my phone+Internet bill, the latter from the unemployment agency because it finances tools that can help you find a job (and having a phone and the Internet counts) and the former from the welfare place in a different category as the welfare I'm already getting (just like if I had kids for instance I'd get welfare for that but from yet another service).
It is unknown to me if getting these from one side would result in lower payments from the other side, so right now I'm assuming I'm not getting any of it.
The saving plan is because I started a savings plan that you have to pay tax on if you stop within the first 8 years (or take out any money from it), and it's only been six years, so I don't want to stop it, and the debt is over some stupid stuff that happened while I was in Canada, plus some debt of my husband's that I thought had been paid before I left for Canada but hadn't been.
The total debt is €1,500, they're accepting payments of anything or even nothing because I'm on welfare, however I want it paid off. Right now I'm only paying the minimum I could think of, which is €10 a month (the 115 is the saving plan). I do want to raise it though once I've crunched the numbers better and know what I can afford to pay.
Right now with the numbers I have, I'm at €63 a month for my bills plus other expenses (food, laundry, clothes, etc). I'm going to track my expenses for September and see how much I spend so I can decide by how much to raise my debt repayment (which as I understand it has frozen interest right now). Also, I plan on putting any windfall I get on debt repayment.
On that note, so you don't worry too much about me, you should know that when I got married I put €6,000 on an account in my husband's name that neither of us touched since. When we separated, it was part of the separation agreement we signed that he would return that money to me (and I would leave all the Canadian accounts to him). At this time (eight months later) he has not, but when he does I will be able to repay the debt completely and use the rest of the money for the regular 115 payment to the saving account, meaning I will get use of the whole €410 a month.
Anyways. Now that I've crunched the numbers in this post, I'll start my next post about food, with pictures!
(Because I'll be posting a lot, including double posts, mods should feel free to move this thread to the Games forum so that my posts don't count. I honestly couldn't care less about that, but some people might so have at it.)