Success and Murphy's law

 Well, month one was successful...but, anyone who follows the teachings of Financial Peace University or Dave Ramsey knows the ongoing joke's about Murphy's law.  Right when you accomplish something, Murphy shows up and something else goes wrong.  

At the time of my last entry, I needed to get $370 into savings to meet my September goal.  Since then, I earned:

-$1.08 in interest

-$22 from Rodan&Fields

-$293.50 from my side hustle at Orange Theory Fitness.

-$24.21 that was sitting forgotten in my Venmo account (I think this was from a fitness challenge I did at the start of the summer)

-That leaves me with $29.21 to make my goal- which I can easily take from my September 30th paycheck...except...

Except Murphy showed up.

Today I went to try to transfer the money from my credit union account to my money market account and realized my balance was far lower than it should have been.  If you remember me mentioning that my purse was stolen last summer, in the midst of canceling all my debit cards and filing fraud charges with the credit union and money market (along with replacing my driver's license, car keys, arranging rides until I got said car keys, freezing my credit, etc), I forgot to stop payment on the checkbook that was tucked inside my purse.  Someone wrote a check for $200 and somehow it was cashed (even though the handwriting and signature looked nothing like mine!).  

Thankfully, the credit union will refund 100% of fraudulent charges, but there will be a hassle with the paperwork and lack of access to the money in the meantime, and there's the general feeling of being violated by someone helping themselves to your money. 

But...

Praise God that I had withdrawn all the cash for my cash envelopes so I have money for gas and groceries (and cat food!  Gabby will not be forgotten!), and that I happened to check my bank account today and caught the fraud right away.  This could have been worse on so many levels.  

And, so far for October, I have my last check from my summer job: $86.41.  I will be transitioning out of Orange Theory and into credit recovery after school, which is slightly less pay all together (going from $12/hr 8 hours a week, to $30/hr 2 hours a week).  I'm looking forward to having just one job for the first time since 2016 and with the pay raise I received moving to my new district, I think I can make it and make good progress towards my goals on my salary.  But, since I gave Orange Theory two weeks' notice, in October I will have paychecks from them plus the extra pay from credit recovery in my checking account.  Maybe, just maybe I can do this!  

(For those who are wondering- my purse was stolen from Planet Fitness when thieves came in and cut all the locks off lockers and stole everything- thankfully, I had walked to the gym because they proceeded to use the stolen keys to steel other peoples' cars out of the parking lot.  The blame for this crime lies with those who have committed it and the police were very attentive, but I learned these crimes had been happening at Planet Fitnesses around the metro and they have done nothing to warn members or even let employees know to be on the lookout for suspicious activity.  When I cancelled my membership and told them it was because of the theft, they wrote "moving" for my reason on the cancelation form.  I am extremely dissappointed in Planet Fitness's choice to try and cover this up rather than alert their members, and feel a responsibility to warn others, especially those in the Twin Cities metro, that this is happening.)

Comments

Popular posts from this blog

My debt free journey, Part 1: How I paid off more than 75K in debt on a teacher's salary

All the ways I make money from my phone...