I was thinking about watching the Flintstones as a child.
I remember Fred would often have some sort of big idea or opportunity and perhaps get to leave the gravel pit forever but alas something would happen and whatever Fred gained he loses it back to the same or close to the same place he started.
I have had moments like that when as soon as I have a debt gone or reach a milestone..... something will happen and I seem to be right back in the same neighborhood of debt.
I have been on a roll for bit without a "correction" and am becoming very cautious for what is around the corner.
Even writing this I feel like I am tempting fate but I wanted to know if any others here had experienced the same type of phenomenon???
Viewing the 'Personal Finance' Category
I was thinking about watching the Flintstones as a child.
so being a long weekend I started cleaning out old mail and items I need to organize. It is something I tell myself I wont let build up again but always do.
I opened some that seemed like junk mail again it was an offer for a 401k with the temp company.
I read through the proposal a few times and it seemed like it was questionable if I should sign up. it has fees that seem high and a $25 fee to rollover if I change jobs etc. I have had 401ks at other places NEVER had to pay a rollover fee.
It also has a 3 year before you are vested to collect any match but literally says some assignments have a match and some don't. so this assignment will credit 6 months and this one has a match no guarantee that next placement has a match. also need to stay with this group for the next 3 years. Not sure if I want to add that to my items when I need to chose next gig.
The whole thing seems vague but I recently have been open to considering options I would have just decided no immediately. Like looking at the road not traveled.
I asked a friend and posted on the forum but instead got a 401k sales pitch and lessons on compound interest. I know it is not personal but it is aggravating when some responses seem condescending.
Anyway I guess I will just skip this at the present time.
Well we seem to never have trick or treaters in my neighborhood but DH asked me to buy some candy in case...I think incase he wants some.
I was surprised at the cost of candy it is not something I normally buy so it seemed a little higher then I expected for fun size bars.
I was wondering what other items people may not buy very often and then seem surprised what the price is ?????
I only did very little OT because we really did not have the work. I was surprised that my coworker has stayed 2 hours extra a day and most of that is watching tv on her phone. just in case last minute emails came in before the month end cut off. Sometimes I think i could use the OT money but cannot justify sitting there doing nothing.
I know that comparing is fruitless as we all have different realities. I spent the day at a teambuilding event for my work we all went to a corn maze and had lunch and played games. I tend to be very quiet and listen and frankly I was stunned by the amount of info they shared.
Many of these people have the new gadgets, nicer cars etc but many of them are working themselves to death with multiple jobs and openly share the fact they are broke.
In this area and I have worked at many places as I do temp work and this scene plays out over and over.
While I should be thrilled and feel grateful that my situation is by comparison, fantastic, I feel sad that the state of financial health and the lack of real financial education by the masses.
I feel over paid at this place for the type of work and they are generous with OT but the people are all chasing their tails.
This is NOT a low end company and I cannot fathom how far ahead I would be if I had been here even a year ago.
I wonder what effect being surrounded by people never making headway is. I think when you look to those around you it is easy to justify splurges as everyone else is doing it etc.
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.
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.
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.
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.
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....
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.
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.