DH and I have talked and talked and talked. Tomorrow, I will be turning in my resignation at job number 1. I feel like such a huge weight has been lifted off me. I know time management will be key to making this work, so here is what I had in mind for a daily schedule, Monday-Friday.
10:00 AM:Wake up, shower and dress, breakfast, put in load of laundry, start Roomba vacuum cleaner
11:00 AM:One hour of work
12:00 PM:Take dog for walk, do dishes, 30 minutes of work
1:00 PM:One hour of work
2:00 PM:Free time, lunch
3:00 PM:Laundry, dust, vacuum furniture, 30 minutes of work
4:00 PM:Errand time/exercise, depending on the day
5:00 PM:One hour of work, snack
6:00 PM:Nap
7:00 PM:Nap
8:00 PM:One hour of work
9:00 PM: Dog walk, any cleaning that needs to be done
10:00 PM:One hour of work
11:00 PM:Start dinner for DH (he works second shift)
12:00 AM:Time with DH
1:00 AM:Time with DH
2:00 AM:Bed
I know I have a lot of house cleaning in there, but I would rather have too much than not enough. The nap is just being realistic, with me being so exhausted all the time with this pregnancy. I can squeeze for hours in if need be. The weekend schedule will probably change every week, but as long as I get my six hours a day in, I'm happy.
Monday, June 7, 2010
Sunday, June 6, 2010
To quit or not to quit?
Here I sit at 12:00 AM pondering a huge decision. I was already set to leave job number 1 when I have our baby in January. However, I am pondering quitting early. When I say early, I mean in the next month or so.
Job 1 has been awful lately. My boss is the biggest b*tch I have ever worked for, and considering some of my bosses, that is saying a lot. I am miserable there, so miserable. The environment is like a succubus that just sucks the life and joy out of you. One of my coworkers drives me to my last bit of compassion and I have just had it. I am so freaking tired of. I just started bawling today thinking about it this week.
DH told me if I was this stressed, that it isn't worth it. It isn't good for me or the baby, and I have to agree. If I decide to quit, my plan is to do my consulting work to make up for as much of the income as possible. The only issue is that the assignments I get for consulting vary in pay. There is a minimum that I know the pay will never drop under though.
I am just thinking things out:
If I do 6 hours of consulting work a day, or 42 hours a week, the minimum pay would be 294 a week, the maximum would be 630. I know, big difference huh? Here is what out budget would be at $294 a week, the minimum. This is also based on DH just working 40 hours a week. He has been working a TON of overtime lately, but I know better than to depend on that.
I think it could work. Of course, I pray I will get assignments that pay more than the minimum pay. Normally, the assignments pay more towards the mid end of the range, at least. But, I know we could do it on the minimum. I have just have to be disciplined and make sure I work that six hours EVERY day, without fail. I can do it at any time of the day, which helps out. Our debt paydown will be slow down, but I think at this point, I would be willing to accept it. Sigh. It all sounds so good on paper, but working up the courage to actually make the move is so scary.
Job 1 has been awful lately. My boss is the biggest b*tch I have ever worked for, and considering some of my bosses, that is saying a lot. I am miserable there, so miserable. The environment is like a succubus that just sucks the life and joy out of you. One of my coworkers drives me to my last bit of compassion and I have just had it. I am so freaking tired of. I just started bawling today thinking about it this week.
DH told me if I was this stressed, that it isn't worth it. It isn't good for me or the baby, and I have to agree. If I decide to quit, my plan is to do my consulting work to make up for as much of the income as possible. The only issue is that the assignments I get for consulting vary in pay. There is a minimum that I know the pay will never drop under though.
I am just thinking things out:
If I do 6 hours of consulting work a day, or 42 hours a week, the minimum pay would be 294 a week, the maximum would be 630. I know, big difference huh? Here is what out budget would be at $294 a week, the minimum. This is also based on DH just working 40 hours a week. He has been working a TON of overtime lately, but I know better than to depend on that.
| Hubbie | 2405 |
| Me | 1264.2 |
| 3669.2 |
| Mortgage | 855 |
| Power | 125 |
| TV | 130 |
| Phone | 80 |
| BOA | 200 |
| BOAC | 50 |
| 1fbusa | 200 |
| Chase | 30 |
| Credit card | 20 |
| Car | 285 |
| Geico | 80 |
| H20 | 10 |
| LifeIns. | 10 |
| food | 400 |
| gas | 100 |
| dates | 100 |
| misc. | 100 |
| cfnc | 129 |
| Sallie Mae | 100 |
| Wells Fargo | 130 |
| Campus Loan | 80 |
| Savings | 200 |
| Extra to debt | 200 |
| 3614 |
I think it could work. Of course, I pray I will get assignments that pay more than the minimum pay. Normally, the assignments pay more towards the mid end of the range, at least. But, I know we could do it on the minimum. I have just have to be disciplined and make sure I work that six hours EVERY day, without fail. I can do it at any time of the day, which helps out. Our debt paydown will be slow down, but I think at this point, I would be willing to accept it. Sigh. It all sounds so good on paper, but working up the courage to actually make the move is so scary.
Thursday, June 3, 2010
Update!
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I still haven't been paid from my two week long pet sitting job I just did, which I am kind of irked about. I'll text the girl tomorrow and see if she can let me stop buy to get it or even mail it to me. I need my $$$!
I am nine weeks today, and still utterly exhausted. Everyone keeps telling me this will get better, so I am praying for the cleanliness of our house and our finances that they are right!
My mom bought us a crib and changing table when we told her because she was so excited. That means our two biggest purchases are done! For the rest of the stuff we need, I am going to wait till I have my shower to buy anything else.
Monday, May 31, 2010
Happy Memorial Day!
Well, I unfortunately do not have an update to post for the end of the month. Blah. However, we should have a stellar update to post Thursday night. Due to overspending from last month, it looks like my paychecks will have to go to living expenses and keeping Chase on the repay cycle. We will use DH's paychecks for bills and debt pay down. Thankfully, DH will be bringing in some awesome paychecks in the coming weeks, so this will help out. Not a whole lot more to report. We have just got to do a better job of keeping this overspending under control.
Wednesday, May 26, 2010
Sooooo Tired.....
Well, the first trimester has certainly brought extreme fatigue, just like the pregnancy books say! I am sleeping 8-10 hours a night, then taking a 2-3 hour nap in the afternoon. I haven't been doing nearly as much work for my contract job as I normally do, which of course results in a lower pay :( I also haven't felt like cooking, which results in a higher eat out bill. DH has still been working a lot of overtime, so that will help alleviate some of the damage. I can't wait till the first trimester is over, in hopes of getting some energy back!
We have done some serious overspending this month. I mean, really, we stay on budget for our cruise, but when we get home, we spend $190 to get our swimming pool repaired, $134 on a new swing after the storm damaged ours, and an untold, but way too high amount on eating out. I am going to start tracking every penny again in June. We have got to get these budget holes plugged and filled.
Objectives for June:
Add $320 to savings
Keep Chase on repay cycle
Get total debt to $48,071
We have done some serious overspending this month. I mean, really, we stay on budget for our cruise, but when we get home, we spend $190 to get our swimming pool repaired, $134 on a new swing after the storm damaged ours, and an untold, but way too high amount on eating out. I am going to start tracking every penny again in June. We have got to get these budget holes plugged and filled.
Objectives for June:
Add $320 to savings
Keep Chase on repay cycle
Get total debt to $48,071
Thursday, May 20, 2010
Pregnant!!!!!
Yay! I am super excited to say that tomorrow, I will be 7 weeks pregnant. We are absolutely thrilled. My doctor's appointment is Monday and we should get to see the little bean on ultrasound. This makes debt paydown and savings all the more important. I have an estimated due date right now of January 7th, so we have a little under 8 months to burn some debt away and build some savings.
Stupid me put the wrong number for how much the balance of my Wells Fargo loan was last month, so my payoff amount this month is extremely low because I had to adjust the balance.
Our total paid off amount is now $12,714. I will have one more payment this month to the Chase card. I would like to pay at least $200, but I am not sure just yet how much I will have. I don't think we'll be able to get the debt down to $48,578 like I had wanted, so that bites. I think $48,900 is realistic, so that is what I am setting the bar at. I have already set up an auto transfer to get our savings at $400.
DH and I had a talk, and we decided that we will start paying down the car quicker than anticipated. The car has the biggest monthly payment and getting that payment gone would be HUGE for us. We will still pay a little extra to the cards, but we would really like to focus on the car as well.
Stupid me put the wrong number for how much the balance of my Wells Fargo loan was last month, so my payoff amount this month is extremely low because I had to adjust the balance.
| Start | 20-May | ||
| Sallie Mae | 12762 | 12156 | |
| Wells Fargo | 11700 | 10992 | |
| Campus Loan | 8250 | 7526 | |
| Chase 2 | 2300 | 1450 | |
| Credit Union Card | 700 | 709 | |
| BOA | 9300 | 8724 | |
| BOA 2 | 1833 | 2169 | |
| Car Loan | 7875 | 5334 | |
| Chase 3 | 1710 | 0 | |
| Chase | 2353 | 0 | |
| Car Loan 2 | 2090 | 0 | |
| Target | 149 | 0 | |
| DH School | 376 | 0 | |
| Capital One | 376 | 0 | |
| 61774 | 49060 | ||
DH and I had a talk, and we decided that we will start paying down the car quicker than anticipated. The car has the biggest monthly payment and getting that payment gone would be HUGE for us. We will still pay a little extra to the cards, but we would really like to focus on the car as well.
Monday, May 17, 2010
Back to Reality
We got back late last night from our cruise, and it was wonderful. The service on the ship was a little less than stellar, but we had a wonderful time, none the less. Now that I have had a 10 day break from work, as well as budgeting, planning, and such, it is time to get back in the swing of things. While we stayed perfectly within budget on the cruise, we went a little wild the week before we left eating out and buying DH some much needed new clothes.
Here is what I want to get accomplished by May 31st-
*Add $183 more to savings to get the balance at $400.
*Keep Chase on the repay cycle.
*Get debt down to $48,578.
*Pay $50 every paycheck to Capital One till it is at zero. I misplaced my Chase card, so this is the card I used for the overspending pre cruise. I should have this back at zero before the interest hits.
Here is what I want to get accomplished by May 31st-
*Add $183 more to savings to get the balance at $400.
*Keep Chase on the repay cycle.
*Get debt down to $48,578.
*Pay $50 every paycheck to Capital One till it is at zero. I misplaced my Chase card, so this is the card I used for the overspending pre cruise. I should have this back at zero before the interest hits.
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