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need to track better

October 13th, 2018 at 08:32 am

so I just received the 7th check at my new job based on average amount x 7= Q
I think I have about 26 weeks more left on this placement.
I then took Q and subtracted all extra payments on debt only ended up with about half of total of Q...…..

next I subtracted bills paid/ food cost/ gas / and then found I still have about 800 I don't have a clear idea where it went.

I think about 400 went to IRA/ other investment and think the other 400 was split among the savings accounts / checking accounts and a couple of eating out splurges. and a $80 eye cream I bought and LOVE.

I told myself that I was going to pay off more then I did and even though I felt good watching balances drop I feel disappointed that 400 seemed to not be clearly accounted for.

end of year is coming

October 10th, 2018 at 06:26 pm

I had high hopes to reach a few goals I made for myself by end of year. I doubt now I will make some of them time seems to be moving so fast.
it has been almost a years since my mother passed and I am fighting bouts of depression as the time is approaching.
I lowered my cushion in checking and paid on car and house but I hate the feeling of the lower cushion so I will need to build back up.

End of September had a week with decent OT but have spent all the extra on bills / savings. I do not want to do the seven day a week thing again this month but maybe just a few extra hours a day. having my direct deposit split in 3 accounts makes it seem like I am not making progress in main account.

new week

September 24th, 2018 at 05:56 pm

So today they announced we have mandatory OT yet, I was the only one that stayed the time. I guess I am just too new to see what emails and rules we must follow. I hope I get enough done tomorrow that I will be able to leave earlier then today the difference in traffic made communte home twice as long too.

When I got home DH was late too. He had not opened his mail but did and found the same letter assigning him a doctor in a different city then we live in.
He immediately called the insurance company. I really feel bad for their staff as they tried to spin this insane ideas into something reasonable...…... the young man finally gave up with the spin and said he spends eight hours a day with people frustrated and mad about these stupid programs trying to force people into medical tests and going to doctors they would NEVER consider on their own.
So we opted out of them sending us any of this "helpful suggestions" in the future. LOL
How SAD and miserable of a job that must be to hear complaints all day long. At what point will this company wake up and see the damage they are inflicting on themselves.

dealing with bad customer service

September 22nd, 2018 at 05:16 pm

So the last couple of days have been trying to deal with just in my opinion unacceptable issues with companies I do business with. I have worked in customer service and do not usually let minor BS bother me but this week has me frustrated.
I am tired of emails with NO purpose but to sell me something. My homeowners insurance company sent 2 increasingly urgent emails that I call them to go over my policy ASAP. I called when I had a chance as business hours I am usually working. I TOLD them I was responding to THEIR emails and they acted like I called to discuss stuff about policy on my own they had hoped to sell me additional policies like car even though they had cancelled ME a few years ago because my son had an accident. so the guy said HUH well that is what those emails are about is to sell you upgrades or other insurance. I went back and re-read emails and shared with a friend who also agreed that WAS not the tone of email it was more like if I did not call there was going to be a problem.

#2 I have a membership at a massage chain and have built up many free uses and could not catch up with using them so I took a freeze on membership for 6 months to get a chance to use up visits. I am now in month 4 and for 2 of 4 months they tried to charge me the fee that is waived during a freeze. I complained and they acted like it was somehow my fault.


#3 This year the insurance we have through my husbands employer had already made me angry by sending a demanding letter to get a bunch of tests some person at insurance company decided without ever seeing me I needed. I ignored their RUDE letter NOW I get one with them assigning me a doctor.... in a town about 15-20 miles away from where I live … WTH?? Now I have to fight them to use a doctor in their network that is in my neighborhood seriously they have my address they sent the letter!!
I guess I should buy them a map app so they can see assigning to someone in another town is STUPID.


I need to get in a better frame of mind to deal with these annoyances.... I will talk to my independent agent to discuss insurance maybe change companies... massage place have now waived all fees and offered extras to appease me.

next is health insurance, every one whom asked who the company is just groans, and says "I am sorry, they suck" so I doubt I will have anything but trouble maybe next year company will have a better option.


#4

September 17th, 2018 at 03:10 pm

So I have wrote out 3 previous entries to the blog some were long and detailed and when I pushed the button to save and publish it just disappears so I am sending a test through today to see if it works.


hooray it finally works so I will just add to this.

The new job is going very well and even though it only last until JUNE 2019 I will make the most of the checks.
I was trying to hit every possible thing with money but I am truly getting frustrated at the speed so I am really dialing down on the car loan. being that it is the last quarter of the year I also want to send as much as I can to my IRA and Roth. also each end of month week they offer OT so I will try to get at least a few hours extra.

the bonus interest rate on my new accounts has made me think I should move most of my liquid accounts to this CU, although I noticed this last month my bank has lifted the rate they pay so I am doing a tiny bit better there.

Smallsteps's Personal Finance Blog update

August 28th, 2018 at 05:24 pm

This new job has a Friday payday. The previous one the direct deposit was on Wednesday.
I will learn to adjust my payments but in reality I have a large cushion in checking which is now I am thinking too large and could do more for me in either an interest earning account or paying extra on debt.
I also have decided that there are a few items I have put off that really should be dealt with such as some minor car/ house maintenance. I also need to revisit my retirement goals as these contract jobs do not offer 401k etc and I need to bump up my IRA/ Roth IRA.
I realize I have gotten impatient and could have possibly done better investing instead of throwing so much towards mortgage which is at a very low interest rate. I will try to hold off on throwing money on that but in reality it is a very fast WIN to see the mortgage balance fall.

new job

August 23rd, 2018 at 05:13 pm

So tomorrow will be the last day of the first week of new job. All is going very well. I have more work then I can complete each day and will not be just sitting waiting for work like last job. commute is also shorter and less stressing. Saving on gas as well.

Last week was exhausting leading up to my sons wedding on Saturday everything went well no real hiccups so we are very glad to get past the stress of wedding plans.
My house is still messy after having daughter/ son in law and grandkids at house for a few days for wedding events. I have a lot of kid type food leftover so I will make lunches out of it.
I am still not sure what my plan should be as paychecks start rolling in again. I cannot seem to focus on one goal. So I guess I will just stay the course and make all over progress.

a few days away

August 13th, 2018 at 06:00 pm

I took a quick trip to my hometown. My daughter and family lives there in my house. I not pleased with lack of yardwork done and general upkeep I will need to discuss and talk with DH about reminding them to clean up more or hiring help. My son in law also seems to think each time I am in town I should take them out for meals etc.
Went to visit my step dad it has been since November since my mom passed but he does not seem to be doing well. I told him how bad a financial mess she had left behind in NOVEMBER.
Now almost 9 months later my siblings JUST figured it out that there is simply NOTHING to estate but bills and they seem confused as to where any money went.
I was quite clear that it was bailing out everyone of siblings and families crisis ( they had a crisis daily). Even though NONE of my siblings are working and live locally, they think that I should drop everything ( a fulltime job) and drive 5 hours to clean up her house and things. I looked over things again and she had some nice clothes and things but not even close to my size but somehow they think I should take these items I took a few items but regret it already as it is nothing but clutter for me to deal with.

working on my patience

August 7th, 2018 at 05:33 am

I have come to realize that my level of patience seems to be at an all time low. Maybe that is why the job with nothing to do bothered me so much.

I went in on yesterday and started on the project still with a bit of work from Friday. in about an hour the supervisor came in and told me to start the work left over. Well at that point I had finished the 2 items she listed and one other item, I suppose she was giving to someone else. I double checked the work and then sent the email saying A,B,C was done. her response after letting me sit there for weeks, was to check with other departments to see if anyone needed help and since they did not told me I could leave for the day if I wanted.

I left and did a few errands I have put off for awhile. I will go in today but doubt there is anymore work I hope they just realize that and let me call it done as this is the last week of my notice.

I really hope new job is much better but have doubts since most all businesses I have gone in etc never show any speed beyond SNAIL.
I recently opened an account at a CU partly because I needed a closer option for banking and because they had a promotion deal that paid great interest and a bonus for opening account not only for me but for son who referred me.
The day I went in, the line for service was increasing and was not being addressed very fast. I noticed some employees who usually did things like mortgages probably could do things like open accounts but instead sat there talking with feet up on desk.
Also a recent trip to DMV was also poorly run as most other locations streamline processes by taking the shorter tasks first finding if they can speed process up by answering questions before sitting there for hours to be told "oh we need this document instead" this location supervisor was actually IMO slowing things down.
I was annoyed but everyone around me seemed less annoyed and just resigned to poor service and slow work.
How do I learn to accept poor performance and a simple trip that should be 30 minutes taking 2.5 hours??
I really do not feel it is me because I have seen and worked in situations where when faced with a large influx of customers of work you prioritize and try to adapt not just look up and think whoo hoo OT work at the same snail pace.
When I finally got to the counter the person helping me wanted to chit chat like seriously do you not see a room full of people waiting???

new chapter

August 1st, 2018 at 07:25 pm

So this week is over half over has been awkward at best. Everyone has ignored me since I gave notice. 1 person has talked to me and I just explained it was a better opportunity. So 3 other people have quit this place since I gave notice so I feel it is NOT just me being picky.
I am doing ok and this week they have given me work after I send emails asking for a new project … really for a month I sat half the time and now that I am leaving they have workflow. I just take a deep breath and do what I can. I found out I will need to leave early or come in late to go to a specific lab for the drug test for new place. It is 15 miles away but with traffic will be an hour round trip and the clinic is only open 7-4 Monday through Friday. Again how do people manage to fit this stuff in always taking time off to change jobs?? I am trying very hard to let my frustrations go and work on going forward.

2 weeks

July 26th, 2018 at 06:12 am

So as the title suggests I gave notice to job last night. A job I had applied for awhile back called and offered me a better position closer to home/ more money / longer plan. I was planning on giving notice anyway I just feel it looks better that I am leaving for something else. Was told yesterday this place has hired another person too to help with the workload ?? Other 4 had a 40 minute conversation about stories of bad personal hygiene they had encountered in previous workplaces.
I think the thing that settled it for me was since we had little to do my department was told to clean the breakroom for the whole office. NOT a big thing I have worked at places before that rotated this duty but I was unaware it was our "turn" and the reminder sent to all was a bit condescending.
No guarantee that new job will fix my malaise about working as many here have said they are in the same frame of mind ( all around the same age). I am just dreading the reaction today as they find I am leaving. I work for temp agency so sent notice to them, they can tell the client.
I am making hard goals to keep me focused on the next year of work. I would like to get as much as I can paid off and in retirement so DH and I can decide what to do next. He is in the mode wanting to do more travel/ etc but as he is salary and has a lot of PTO and I am contract with no PTO it is hard for us to work out time off.

one step forward... two back

July 25th, 2018 at 05:24 am

So as an update I recently decided to pay as much as possible to car made some good progress as shown on sidebar. I also opened a new account that is paying a promo rate of 6% on savings and 4% on checking so I am going to move some from regular account over to new one to make the interest. ( my normal bank has no close branches here so I wanted an option if I need to deposit cash or checks).
This did help with the dissatisfaction with new job until I sat for 5 hours AGAIN yesterday. It is exhausting and frustrating to be so bored and pretend to work and look busy. Yes I asked sent 2 emails to supervisor for work even went over to her desk. just told she will send me a project. I want out and no progress on car or saving money can fix that. I am sure if I quit temp agency likes to punish ppl so they wont consider placing me until this contract would have been over... if I stay this company wants this to turn into a fulltime thing prolonging this is helping NO one I am miserable/ they are wasting time training me and temp agency needs to find them someone who can sit doing nothing and be ok with that.

one thing off my to do list

July 23rd, 2018 at 08:07 pm

I have a big to do list that I can't seem to get to. Today I did one of the things on the list. I opened a new account at a local bank since my nearest branch of regular bank is a pain to get to.
It was a special deal that if referred by a member ( my son) and open a savings /checking combo and make 5 deposits/ checks or atm / debit card transactions a month and in 90 days we both get $100 and they pay 6% on the first 500 in checking and 500 in savings so I will transfer over money to at least make the 6%. Every little bit helps right?

I opened account with some change I rolled up had $24 dollars. with a new account(s) to feed..... maybe it will inspire me to keep working even though I am still not thrilled about this job.

different styles

July 22nd, 2018 at 08:40 am

Between reading the forums and blogs I am yet again rethinking my strategy. I am making steady progress and never understood the Ramsey method of just one debt at a time, I pay extra on all items, more on high % but some on everything each check. The logic is there of why his system works but I think I am missing out on time to grow savings/ retirement. I also enjoy seeing all # going down steady.

I also am not sure about the zero based budget either.
I mean, I have an EF and I have a 1500 cushion in checking as well but I still am nervous to pay every last dollar out of paychecks to debt. I am trying to inch up to spending more of check on debt instead of holding 1/6 for misc. but habits are hard to break.
especially when I am searching for a better fit for a job.
For all of you that pay it using the other methods how long did it take to change your pattern or did you just bite the bullet and do it ???

job seeking tips/ advice

July 20th, 2018 at 06:08 am

I keep hearing "look for a job when you HAVE one " how is this working for others?
I can not seem to get it to work for me.
I would have to take time off for interviews and that is rude or obvious I am looking elsewhere when I ask for time off in the first month I am there. Maybe it is just me. I am having issues with this job already and unfortunately it is EXACTLY as was described in a yelp post about this place.
The training is zero/ my workload is zero I have sat there more then work keep being told they will have something for me in a little bit. Finally just discussed with supervisor her info showed I had 7 projects but those are done with my part and sent to the next person I told her that and she seemed confused why the reviewer has not been working on looking at the work and either finished the process or sending back for corrections.

supervisor gave me new project had conflicting info on it when I asked the lead she BARKED at me " you don't know what you are reading" well 5 minutes later she saw the EXACT thing I told her and emailed for clarification( I was added to email). I do not take well to being barked at.
The last day was 15 emails back and forth planning a team building put-put golf outing that is an hour drive away for me and includes "drinks" which I am not a drinker. I have politely declined on this and many offers of Starbucks runs and offer to all get takeout for lunch after I brought my lunch. the place they chose (I looked after words) was $10-15 for lunch and they do this 2-3 times a week.
HOW much am I supposed to spend to FIT IN ???
They seem to think I am offish because I said no thanks- I told them I am watching my weight and have food allergies so I rarely eat out but they seem to take it personally.

Maybe I am not up to speed on what the norm but this is very stressful on me and I come home angry every day.

time for decision

July 19th, 2018 at 06:02 am

So as the end of my 3rd week of new job is quickly approaching I am faced with a decision.
I do not see a future here period. I know it has only been a short time but I try to picture myself in 6 month/ a year etc. Most places I can see it really cannot here. Not interested in what they do
As with many jobs I have taken some I stay with telling myself well I have (x) amount coming in. I tell myself I will continue to apply etc but reality is that is short lived and I am stuck at a place I never wanted to be at. They were NOT clear on what this job was and I am busy for probably half week the rest I am pretending to be busy it is exhausting.
This is probably why they have had problems filling this on their own and went to a temp agency. I had hoped to hear about other job but not yet I really think i should give notice anyway they could be training another person who wants to do this and I would be forced to find something else.

update on dog

July 17th, 2018 at 06:23 am

So the heavy meds given to him by vet did nothing to improve his situation just knocked him out. He has not eaten much even tried to hand feed him several times.

DH took him back had the X-rays done and got a new special made medicine ( at $80) to try had to wait 4 days for this. Had to wait all Friday and weekend before someone could READ the x-rays and they show them NOTHING. They said for his breed ( life expectancy is about 12) and guesstimated ( 10+) age hips back etc looks good. they suggested an MRI.
DH is going to ask about that cost.
I am just honestly furious at the total lack of either give a damn or customer service in finding out what is wrong with this dog. This is a highly recommended and reviewed vet clinic in this area. This area SUCKS NO one expects good service out of anything. no work ethic no customer service and no sense of URGENCY about anything. Seriously sick of this place want to move back to my original city. ( I have been here 5 long years hating most of it)
Even at work on Friday the IT guy told me my new desk was all set up (I had been sitting in someone else's desk while she was gone to be closer to seasoned employees for questions) went in Monday NOTHING was set up and I got to sit 4 hours waiting for access. How these places pay ppl to just sit is beyond me. I wanted very much to just go home. The gross incompetence that is accepted in everything here makes me CRAZY.

breaking the habits

July 14th, 2018 at 11:31 pm

I realized this week that my funk is my own to get out of. I spoke with hubby about my procrastination and inability to embrace the job I have now and even with interviewing for other jobs what if I am not happy there either.
I read other posts where people have made their budgets to pay and just looking forward to the target date. I asked myself why everyone else seems to embrace the day to day grind. What is my hurry or panic to get things over. I honestly do not have a plan for what to do after car is paid etc. I really need a goal or plan.
I just wanted to speed things along instead of doing it slow and steady. I sat down and wrote down all the items I have procrastinated on. I am taking a deep breath and starting everything one day at a time.
I will put in effort in what ever job I end up with and try not to be restless and thinking the grass is greener everywhere else. it is much easier said then done. my balances have dropped a bit since last month the CC / car and house about 300 a piece. Even if my job ends up not being great it is ONLY temporary.

another interview

July 13th, 2018 at 06:10 am

So the interview I went on Monday they decided on someone else not that I did not want job but as I am just finishing the second week of new job and so I have something to bring money in anyway.
I got an email the interviewer went to another bigger department in her company told them she thought I would meet their needs better so they want me to come interview. I told them although interested I could not get away midday from other job for meeting. thought that was it …… but they asked me what time worked for me so I am going in before work today. This job pays the same or a bit better then the job I just started and has a longer contract and is closer to home by a few miles. I am not going to get hyped up just going in talking and if it does not pan out I won't be disappointed. The current job is one where they stress accuracy but it is in an industry that changes prices/ rules constantly so it is more like chasing your tail to keep up.
If I do get the job I am interviewing for. I will need to give notice at current job but wonder if they will even want me to do those weeks since I am in early stages and it would be a waste of time & effort to train me for things if I am not there longer. I am always uncomfortable to give notice places I know they will get over it. I just was never good at cutting the cord even if I dislike the job.

jobs from everywhere

July 10th, 2018 at 07:38 pm

So now in my area the labor force has dried up, Everyday I am getting offer after offer for work opportunities. it makes me restless wondering if the grass is greener elsewhere.
I spent today trying to catch up from taking a sick day off at brand new job. Funny thing is I do not think I am getting their processes AT ALL. They seem to think I am a whiz at it. I really am baffled at how their expectations can be so low or how they measure success.
I am not sure what to do. If the interview I went on calls, I am not sure if I take it or not, the lady that did interview thinks the job is below my skills and pays a little less at this job I am in now. I almost wish I was more motivated by debt payoff or savings goals I am just burned out.
Does anyone have ideas to get back some motivation?
I can stay at the worst job ever if motivated but the idea that my debt load is a lot smaller then it was a year ago and I am hazy about my savings goals. I need to get focused. Really need to snap out of this it is effecting my sleep/ and how I feel outside work.

awesome deal

July 9th, 2018 at 01:50 pm

So yesterday, Sunday I went to look at dresses for my sons upcoming wedding. I simply hate shopping but went to a store saw something I might not have considered but it met all color preference (to match wedding colors) simplicity etc. I first thought it was going to be too big so stepped out of store then went back in to try on since sizes vary so wildly anymore. It was a good fit was comfortable and my son likes it so took up to register and it must have been a clearance item as it rang up for less then half what the tag said. So HUGE win!!

Went to the interview I took the day off my job I just started to go. Not sure if I am going to get it but lady interviewing was awesome she had a great attitude and really inspired me. so even if passed up for job that 40 minutes was time well spent.

OMG need to vent so for a WEEK I have told the temp agency the time card they have says I am still working at the last assignment NOT the current one. So today I get a nasty email about not submitting my time. I explained AGAIN why and then they discovered ALL the paperwork takes an hour to fill out was sent to me for the wrong employer so I have worked a week for a company they did not have me linked to. I was on the fence about still talking to others about jobs but seriously so mad at the Incompetence by this group in the last couple of months I will be glad to say "see ya!" the job prospects in area are really good at moment and I felt guilty for taking other interview today but NOPE if they can not keep my sensitive paperwork with the correct group etc I do not want to work for them.

what to do

July 6th, 2018 at 05:47 pm

So this is day four of new job. All in all it is very difficult to learn the processes when the "experts" who did this job for years up and quit together last week. Was super frustrated at the misinformation I have been given and having to go back and re-do so many processes. When I left for lunch I saw an email/ a text and missed call/ voice mail about the other job I had applied for a day or two before this one. Well they want to interview me Monday.
I think I will call in and take the interview. I am not sure if that is the right move as calling in so soon for no guarantee interview but Honestly was so frustrated today this industry uses tons of acronyms yet they have no sheet to list them. They say well there are too many to write them down when asking for help it is often half hour to hour before getting answer. As I left tonight a co-worker tells me I did more "work" by just jumping in and taking a shot at it then he did the first 2 months there. That is sad ( for the business) because honestly I feel like I only did about a days work in my mind.

I am not sure what to do. I think I will regret it if I pass up a chance at a job I might enjoy better as I am having issues with staying motivated to work fulltime. The interview place pays a bit less an hour but hopefully it is better organized with ACTUAL training. I prefer straight forward work to the game of guesstimates which is what this company has.

day two

July 3rd, 2018 at 08:42 pm

well day two of job went better maybe I can handle this for awhile.
Like most people here I budget a percentage of each check to debt repayment. I was going to wait until I got regular checks to spend down some cash I had kept aside in case I did not get a job this soon.
I have scheduled payments to use that cash NOW so I am more determined to make job work. It may backfire and I will need to readdress my goals. In the mean time I can make a dent into my car/ CC and mortgage.

day one of job

July 3rd, 2018 at 06:26 am

Well it is hard to tell on day one but I do not see this as long term. I know I should not take the placement where they want people to become permanent because I am fighting the mindset of just being tired of the 5 day grind. The fact that this place has no real training program is amazing.
Regardless of computer use in past each system is different. Just like a cashier from Walmart cannot go in and do Costco or Target with no knowledge of THEIR system.
The girl trying to show me things had only been there a couple weeks and did not know answers to any questions. Coming home bored and frustrated did not help with me trying to be positive about this. I put in auto bill payments on everything hoping if I have progress on finances maybe I can be motivated to give this a try.
Our dogs visit to vet was ok I guess they gave him pain meds and said if he does not get better in a few days bring him back for x-ray ( I do not see why that was not a higher priority). he is a small dog that started acting this way after jumping from a fairly high spot. so more todo trying to get dog to take pills.

one thing after another

July 2nd, 2018 at 07:16 am

We went out of town for the weekend our dog travels with us and is normally a very enthusiastic traveler for some unknown issue he acts like he is ill. I asked spouse to take him to vet in other town but he said wait, he just is in denial thinking dog will bounce back.
Honestly as a rescue they guessed dog was 4 when we got him it has been 5 years so he is an older dog. From experience with our other dogs I honestly think it is towards end of life. DH is going to take him in at noon but I seriously worry about leaving him to start new job today.
Maybe I just am trying to not go. I am now stressed about what ifs....

new job

July 1st, 2018 at 04:54 pm

Really did not want to.... but said yes to the job I interviewed for on Friday. they called a few hours after interview.
I know... why did I interview if I did not want job? Honestly interviews are not my strong suit and so many times I have heard you were close but another candidate was a better fit. I always go to interviews for practice.

So I am going and will try it out they seem to have gone through a few people in the last few months so maybe it is something I won't excel at and they chose to go another direction.
It has been said by many well just quit if something else comes along... it is very true that is being done very frequently in the area I live but I like to have a reason when leaving a job not just cause the grass looked greener on the other side.
If I can get excited about finishing off my car loan or saving for something maybe I can have a better attitude but frankly have not felt excited about any job for awhile. maybe it is just me and I need to dig deeper into why I feel this way. We can get along fine without me working but spouse really would prefer me to work. When I had more debt I had motivation but I paid a lot in the last 2 years and now do not feel the debt panic anymore.

pulled in all directions.

June 29th, 2018 at 08:50 am

I have posted a bit on the forums but decided I can get more of my thoughts out in blog form. I have a small debt load if I compared myself with others on this site/ blogs. I also am not in the category of many others who seem to be fairly well off.

I have always done my own thing with my finances including always paying extra on debts/ mortgage etc. I have read so many books from personal finance writers or gurus like Dave Ramsey but I really do not feel most of these are one size fits all. I can easily make all payments without a job right away.
I seem to fight adopting different ideas like writing my budget down. I have running totals in my head and on a spreadsheet but I tend to pay everything almost on a weekly basis. For example I recently had a week long job for a special project. So knowing what my pay will be I paid extra on CCs / car loan / mortgage and prepaid utility bills in case I do not get another long term assignment soon. I have an interview in an hour pays well but I am not sure I want to do this assignment. I have tried talking myself into it by saying I could pay this or that off by x amount of time but I am worried that my payoff plan will override my wanting a job I like vs a job just to have a job.