Lots of wrangling around bills lately. Starting this new company (and having about five grand in back-pay outstanding at my old gig) has left me close to tapped out. I'm also switching banks -- no Citibank in the HC -- and I just realized I hadn't paid one of my student loans. Time to take stock:
Low-interest student loans: $12,086.78
High-interest plastic debt: $9,454.02
Unknown medical bills from 2005: ~$2,000
Unknown back taxes from 2002-2003: ~$5,000
Summer back pay: $5,125
Oct salary: $6,300
Monthly minumum bill load: ~$1,100
Travel to LA for niece's Bat Mitzvah: ~$800
New lappy: ~$1,800
Xmas Gifts/Travel: $???
2006 taxes: ~$6,000
At the moment my cash on hand is healthy though most of that is in the new bank account for which I don't yet have a card or anything. But that should work itself out. I don't anticipate having to beg, borrow or steal to make ends meet.
This is actually looking pretty good, all things considered. Chapter Three should be cash-flow-positive through the end of the year, meaning I'm optimistic about paying my Oct, Nov and Dec salaries. If my back-pay from this summer comes through I'll be sitting pretty. If not, I'll still get by.
I can be very austere if I need to. My general cost of living really can be as low as $1100 a month, including debt maintenance. I can live without a car for a few more months, and the laptop (while necessary in the next year) isn't needed right this second. If it all goes wrong, I'll survive with my credit rating intact.