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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.

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 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.