“I might do that,” she looked over to the barman who was smiling at her and still chatting to someone on the phone.Sharon felt the two guy’s eyes on her as she approached Jacko at the bar. The barman was giving a mobile number to whoever was on the phone.“No worries mate,” he said before he hung up.“Good evening love,” he said as he eyed her up and down. “You look like you need to dry off.”“Exactly what I was thinking,” she said smiling.“There is a bit of a bathroom just out the back if you want to towel yourself off,” he turned to his mobile which beeped an incoming message.He grabbed the keys from behind the bar and handed them to her. “Down the corridor and go through the dining room, it’s the middle door on the right.” “Cheers,” she said and took the keys from him.“I’ll get you this first,” the barman said as he poured her a beer.Sharon sipped the amber nectar and went back to her bags at the table. When she turned back the barman was showing Jacko his mobile phone. Jacko laughed. I didn’t have a lot of stock, but I liked the idea of investing, and wanted to do more over time.I pulled out my notebook that had a detailed record of my income from every source for the past two years. Suddenly, it dawned on me that I was being silly. I went to the library, got the copy of VisiCalc, and brought it to my office. I fired it up and started creating a spreadsheet with my finances. Elyse had showed me how to use the program, but I had to spend some time figuring things out because I didn’t use it very often.Next I estimated how much I’d get from the rent, then divided it by two because half would go to my dad. That, plus my income from the computer work I was doing, less what I had to set aside for taxes, gave me a number I could expect each month. I subtracted twenty percent that I planned to save or invest from that and came up with the total amount I’d have available to spend each month. From that, I subtracted what I estimated my groceries, utilities and insurance.
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