Thursday, July 25, 2013
Back from the dead
It's been such a long road since I last wrote in this thing and I've left it for dead before it even got started. I was starting on my quest three years ago trying to get away from my employer and my job I didn't believe in, trying to get away from third shift, and I was set on doing so. But then there are two words that got in the way... "I'm pregnant!"
So in the past three years I've had a hell of a ride and the most intense year of my life has been this past one (2012 into 2013) with the most intense changes taking place. I'll write about the different aspects of what's gone on from becoming a father... which actually coincided with getting out of debt.. until the hospital bill showed up.
I debated whether or not to just start a new blog entirely or come back to this one and bring it back from the dead. Obviously I chose the latter since a lot of the things I'm working on now relate to the posts I had from years ago. I was just starting then and I got off track big time and my health suffered big time.
I'm going to start posting about my journey and different aspects here. I'll try to do a few times a week, but with all I've got going on, who knows?
Wednesday, June 2, 2010
An Eventful Day Through BloodShot Eyes
Today I had a meeting with HR at my current job to discuss some recent issues. I didn't hold back as I have in the past. I am pretty set on leaving corporate America, or at least changing my current situation. I am pretty set to do something with my life that affects people in a more positive way.
The thing is, sometimes things need to be said, and the fact that I've set my goal to be out of there in 90 days (okay, now it's down to 80) so whatever happens happens, and I will deal with it accordingly.
I feel better now that I said my piece and left it at that. I then took our recyclables to be recycled and headed home. Fridge is still broken, home warranty won't cover it (AHS really sucks, and I mean sucks bad.)
This job hunt is taking up all of my time right now, as I am hitting it as hard as a full time job. I really want to be in a better situation than third shift at a job I hate that I no longer feel comfortable working at. Call it a "Crisis of Confidence" if you need to.
We have not shopped at the grocery store and are still buying from the farmers market despite the broken refrigerator. I'm starting to really like the ice maker.
I'll call a local repairman in the morning, I would really like to get this thing fixed.
The thing is, sometimes things need to be said, and the fact that I've set my goal to be out of there in 90 days (okay, now it's down to 80) so whatever happens happens, and I will deal with it accordingly.
I feel better now that I said my piece and left it at that. I then took our recyclables to be recycled and headed home. Fridge is still broken, home warranty won't cover it (AHS really sucks, and I mean sucks bad.)
This job hunt is taking up all of my time right now, as I am hitting it as hard as a full time job. I really want to be in a better situation than third shift at a job I hate that I no longer feel comfortable working at. Call it a "Crisis of Confidence" if you need to.
We have not shopped at the grocery store and are still buying from the farmers market despite the broken refrigerator. I'm starting to really like the ice maker.
I'll call a local repairman in the morning, I would really like to get this thing fixed.
Wednesday, May 26, 2010
They're really testing me...
First of all, just hunting is probably one of the most frustrating experiences. It is like watching paint dry, for lack of a more original metaphor. Submit resume, wait a few days or a week, call and check on it, then they say to call back at X Time and then it is a long drawn out process. It was more exciting waiting for payday while we were getting out of debt.
To make things more complicated the refrigerator is broken and the lawn mower we have cannot handle how long the grass has gotten. Yeah, we had our vacation and it got long, but I cannot seem to be able to get a time where I am able to cut the damn lawn or it actually stops raining. I swear, if the grass gets much longer the house is going to warp into a trailer. It's getting bad.
I'm trying to figure out which math equation to use to decide if I should just give up and go get an electric lawn mower. If the grass gets much longer the city will probably fine us for lack of upkeep and that might be more than just buying a lawn mower. This sucks.
The job hunt continues and we are going to the market tomorrow. I really don't know if I am going to be able to find someone who is reasonably priced to fix the damn fridge. We have an older fridge in the basement I'm considering plugging back in. I unplugged it the day we moved in to save electricity. We're modest people and we don't really keep a full fridge. Especially now since we're dealing with so many vegetables that can go bad.
87 days until I quit my job. I am really hoping I don't have to go through a period of unemployment.
To make things more complicated the refrigerator is broken and the lawn mower we have cannot handle how long the grass has gotten. Yeah, we had our vacation and it got long, but I cannot seem to be able to get a time where I am able to cut the damn lawn or it actually stops raining. I swear, if the grass gets much longer the house is going to warp into a trailer. It's getting bad.
I'm trying to figure out which math equation to use to decide if I should just give up and go get an electric lawn mower. If the grass gets much longer the city will probably fine us for lack of upkeep and that might be more than just buying a lawn mower. This sucks.
The job hunt continues and we are going to the market tomorrow. I really don't know if I am going to be able to find someone who is reasonably priced to fix the damn fridge. We have an older fridge in the basement I'm considering plugging back in. I unplugged it the day we moved in to save electricity. We're modest people and we don't really keep a full fridge. Especially now since we're dealing with so many vegetables that can go bad.
87 days until I quit my job. I am really hoping I don't have to go through a period of unemployment.
Friday, May 21, 2010
A New Beginning
I got an email today from someone in the HR department at work. Completely not work related, just asking me if I was still biking to work. Turns out it's National Bike to Work Day. It's storming, I'm out of shape, and I'm completely off my 3rd shift schedule. So today I am driving to work later. Oddly enough.
But it did feel good that someone took the time to think about me. I don't think they understand what is truly going on with my job right now, but that may be for the better. I could get all bitter about the situation at work, but I am actually starting to enjoy the job hunt.
In the past 48 hours, I have considered jobs or looked into working at a credit union, going back to being a game show host, writing, and even being a bike courier.
Regardless of the circumstances, I am finding a new job as I work in a sea of negativity and viciousness. The third shift hours are getting to me as well, and I honestly think it's time for me to change. The atmosphere of everyone I work with just counting down the time until they leave is also kind of depressing -- just counting down. Each minute another bit of life gone by. I'd rather live my life a little rather than just work for a paycheck.
That, and this whole 'un-corporating' my life thing means I should put my money where my mouth is and leave corporate America.
But I've got some resumes out, some applications filed, and a ton of emails sent.
We've been doing good about not shopping at the grocery store. My wife has her blog (she started it without my knowledge, it's in the sidebar -- A Better Shell) and she did go to Kroger earlier this week, but she stuck to the organic section. So I guess that's kind of a compromise. It can be very hard to do something like this especially when you work late nights.
Throughout this experience I plan on doing reviews of local businesses and new products I come across. Perhaps a few book reviews.
I kind wish I had started this blog sooner though, as I have already started to find local alternatives and my initial reactions to the change in lifestyle.
First and foremost, I will say, I feel a lot more alive when I go to the markets instead of the lonely aisles of Costco pushing a cart with little human interaction. I won't get into it, but I'm looking forward to the next 90 days, as this is my goal to get everything completely un-corporated.
But it did feel good that someone took the time to think about me. I don't think they understand what is truly going on with my job right now, but that may be for the better. I could get all bitter about the situation at work, but I am actually starting to enjoy the job hunt.
In the past 48 hours, I have considered jobs or looked into working at a credit union, going back to being a game show host, writing, and even being a bike courier.
Regardless of the circumstances, I am finding a new job as I work in a sea of negativity and viciousness. The third shift hours are getting to me as well, and I honestly think it's time for me to change. The atmosphere of everyone I work with just counting down the time until they leave is also kind of depressing -- just counting down. Each minute another bit of life gone by. I'd rather live my life a little rather than just work for a paycheck.
That, and this whole 'un-corporating' my life thing means I should put my money where my mouth is and leave corporate America.
But I've got some resumes out, some applications filed, and a ton of emails sent.
We've been doing good about not shopping at the grocery store. My wife has her blog (she started it without my knowledge, it's in the sidebar -- A Better Shell) and she did go to Kroger earlier this week, but she stuck to the organic section. So I guess that's kind of a compromise. It can be very hard to do something like this especially when you work late nights.
Throughout this experience I plan on doing reviews of local businesses and new products I come across. Perhaps a few book reviews.
I kind wish I had started this blog sooner though, as I have already started to find local alternatives and my initial reactions to the change in lifestyle.
First and foremost, I will say, I feel a lot more alive when I go to the markets instead of the lonely aisles of Costco pushing a cart with little human interaction. I won't get into it, but I'm looking forward to the next 90 days, as this is my goal to get everything completely un-corporated.
Thursday, May 20, 2010
Goals
So life never EVER goes as planned and I find myself in quite a situation, naturally. That's the story of my life.
As of now, I am trying as hard as I can to NOT shop at the grocery store. I have to find a local alternative, or farmers market, or make it myself. That's the basic goal. But I don't have much time today, and I want to get started, so here are the goals that I am setting out to achieve in the next three months:
1) Do not shop at the Grocery Store, at all. Must find local alternative.
2) Avoid caffeine.
3) Bike and walk to as many places as possible.
4) Find a new job. Preferably with a local business.
5) Update this blog every few days with my progress and/or the story of how this all got started.
That's it for now.
Just got back from vacation, and we managed to buy locally from farmers markets and local vendors the entire time we were there. At the farmers market I mentioned my 'experiment' to one of the farmers and they said 'Thank You.' and it was very sincere at that.
But back to job hunting. I have a few legitimate leads and I don't want to fall through the cracks.
As of now, I am trying as hard as I can to NOT shop at the grocery store. I have to find a local alternative, or farmers market, or make it myself. That's the basic goal. But I don't have much time today, and I want to get started, so here are the goals that I am setting out to achieve in the next three months:
1) Do not shop at the Grocery Store, at all. Must find local alternative.
2) Avoid caffeine.
3) Bike and walk to as many places as possible.
4) Find a new job. Preferably with a local business.
5) Update this blog every few days with my progress and/or the story of how this all got started.
That's it for now.
Just got back from vacation, and we managed to buy locally from farmers markets and local vendors the entire time we were there. At the farmers market I mentioned my 'experiment' to one of the farmers and they said 'Thank You.' and it was very sincere at that.
But back to job hunting. I have a few legitimate leads and I don't want to fall through the cracks.
Wednesday, April 21, 2010
About my job.. no fancy title.
I'm trying not to letter the bitterness take control of me but the past week I have been forced to do some serious soul searching.
My current job is for a big corporation. One that is one of the largest in its industry. I've worked there for going on three years now. It has been the best paying job I've ever had. When I first started there, things were a lot better. They seemed more, well, appreciative of their employees. But then management changed and they stripped away a lot of our incentives.
I had a conversation with upper management today that their perception is that I was "Just there collecting a paycheck" and that I'm "lazy." Of course, I never see upper management when we do most of our business. Considering I volunteer on my days off, pick up overtime, and I'm on extra committees and I'm active in our union. That should say enough. Then there's the whole "biking to work" thing which this person was unaware and surprised by. It's amazing how out-of-touch some people are.
I've always been a bit of a workaholic, and that's just how I deal with things. I've let go in the past few years go try and live life a little, but work, to me, isn't just a paycheck. It's about self-respect. It's about integrity. It's about earning my keep.
Thing is I don't have a college education I can fall back on and I cannot afford to go back to school. I really like what I do, but I'm really starting to hate the company. To put it mildly, the people making the decisions do not know what is really going on. Anybody who knows me knows I am one of the most dependable people out there, and my work ethic is second to none.
But then again, when you only focus on failure, how can you expect to be successful?
I am really asking myself if I want to continue to working for this company. I think I need to find an 'out.'
It just sucks having been buried in so much debt that this is kind of a perpetual cycle that may never end. But I am no longer going to just accept "Good enough." I am going to work whatever I can, a second full time job if I have too. And I am going to get 6 months to a year living expenses in the bank. Then I am going to quit this nonsense and pursue something I feel better about.
My current job is for a big corporation. One that is one of the largest in its industry. I've worked there for going on three years now. It has been the best paying job I've ever had. When I first started there, things were a lot better. They seemed more, well, appreciative of their employees. But then management changed and they stripped away a lot of our incentives.
I had a conversation with upper management today that their perception is that I was "Just there collecting a paycheck" and that I'm "lazy." Of course, I never see upper management when we do most of our business. Considering I volunteer on my days off, pick up overtime, and I'm on extra committees and I'm active in our union. That should say enough. Then there's the whole "biking to work" thing which this person was unaware and surprised by. It's amazing how out-of-touch some people are.
I've always been a bit of a workaholic, and that's just how I deal with things. I've let go in the past few years go try and live life a little, but work, to me, isn't just a paycheck. It's about self-respect. It's about integrity. It's about earning my keep.
Thing is I don't have a college education I can fall back on and I cannot afford to go back to school. I really like what I do, but I'm really starting to hate the company. To put it mildly, the people making the decisions do not know what is really going on. Anybody who knows me knows I am one of the most dependable people out there, and my work ethic is second to none.
But then again, when you only focus on failure, how can you expect to be successful?
I am really asking myself if I want to continue to working for this company. I think I need to find an 'out.'
It just sucks having been buried in so much debt that this is kind of a perpetual cycle that may never end. But I am no longer going to just accept "Good enough." I am going to work whatever I can, a second full time job if I have too. And I am going to get 6 months to a year living expenses in the bank. Then I am going to quit this nonsense and pursue something I feel better about.
Tuesday, April 20, 2010
How I got rid of $50000 in credit cards
A few years ago we found ourselves in a really desperate situation.
Through a snowballing effect of bad luck, our own stupidity, and some small crime of one of our employers, we found ourselves in massive debt.
At the time my wife had just started a new job that had use move 300 miles away. I had no problem with that as I wanted to get away from where we were. I had been traveling doing shows. The travel costs were high but the pay was okay and it kept us afloat. That is, until things went sour.
When I left the job I was owed over $10000 in back pay. During a lapse of insurance coverage, my wife had a trip to the ER, the transmission in my car went out a few weeks later, and the list goes on. Things snowballed and we had one hell of a hole to dig ourselves out of.
Credit card debt alone was just under $49000. We had already been enrolled in with a credit counselor (who didn't do much, but I don't want to get into it.) We also owed $16000 on a timeshare, $9000 in student loans, and another $3000 on a credit line. This was July 2007.
I started loosely budgeting and we were making progress. Not much, but every step is important. It wasn't until I started bike commuting that I started visiting my local library and reading personal finance books. After enough reading, I started to really hate debt. But, when you have a big enough hole to dig out of, it seems impossible.
Then Chase Bank really pissed me off. They lowered my credit limit to how much was outstanding, while there were pending transactions (this was our everyday card for gas and other regular expenses.) They tried to jack the interest rate up to 30%, they tried to sack a bunch of fees on there as well. In the end, I said "Enough is enough" and by January 2009 I had my plan in place.
I listed our debts from first to last in the order of which bank I HATE THE MOST. Here was the list:
1) Chase Bank/Bank One
2) Bank of America
3) Capital One
4) American Express
5) Citibank
6) Fifth Third Bank
7) US Bank
Some banks I had multiple accounts but it was very liberating getting rid of them.
So March 22, I was able to pay off the last of the credit cards. The story doesn't end there though. As I write this I'm back $10000 in credit card debt.
Why?
The timeshare balance was around $10000. The timeshare company, Wyndham Consumer Finance, sucks. They did not give me online access to financial information, I had to call them to find out how much I owed. Interest compounded daily. And to top it off, if I wanted statements in the mail, they wanted a "$5 service fee." Furthermore, when I would send in an extra payment, they would put it toward maintenance fees instead of loan principal. Idiots. Screw them. So I want to be completely in control of my personal finances, so I found a way to get rid of them.
I applied for a bunch of new credit cards (after the new law passed) and transferred the balance over to 0% for 6, 9, and 12 month periods. Thus eliminated the interest paid on the timeshare. Thus no longer having to deal with the incompetent timeshare people.
So now I have to get my credit cards taken care of again, but this is less pressure since we have more cash flow and honestly we've gotten very good with our money throughout this process. Tuition in the school of hard knocks I guess.
We currently live (both needs and wants) on about 35-40% of our income PER OUR BUDGET. The reality our income is underestimated and the expenses are based upon the highest bill I've gotten in particular categories. So we always end up with a surplus at the end, which is put toward debt or savings.
I'll need a separate entry for the things we do to cut our budget.
Through a snowballing effect of bad luck, our own stupidity, and some small crime of one of our employers, we found ourselves in massive debt.
At the time my wife had just started a new job that had use move 300 miles away. I had no problem with that as I wanted to get away from where we were. I had been traveling doing shows. The travel costs were high but the pay was okay and it kept us afloat. That is, until things went sour.
When I left the job I was owed over $10000 in back pay. During a lapse of insurance coverage, my wife had a trip to the ER, the transmission in my car went out a few weeks later, and the list goes on. Things snowballed and we had one hell of a hole to dig ourselves out of.
Credit card debt alone was just under $49000. We had already been enrolled in with a credit counselor (who didn't do much, but I don't want to get into it.) We also owed $16000 on a timeshare, $9000 in student loans, and another $3000 on a credit line. This was July 2007.
I started loosely budgeting and we were making progress. Not much, but every step is important. It wasn't until I started bike commuting that I started visiting my local library and reading personal finance books. After enough reading, I started to really hate debt. But, when you have a big enough hole to dig out of, it seems impossible.
Then Chase Bank really pissed me off. They lowered my credit limit to how much was outstanding, while there were pending transactions (this was our everyday card for gas and other regular expenses.) They tried to jack the interest rate up to 30%, they tried to sack a bunch of fees on there as well. In the end, I said "Enough is enough" and by January 2009 I had my plan in place.
I listed our debts from first to last in the order of which bank I HATE THE MOST. Here was the list:
1) Chase Bank/Bank One
2) Bank of America
3) Capital One
4) American Express
5) Citibank
6) Fifth Third Bank
7) US Bank
Some banks I had multiple accounts but it was very liberating getting rid of them.
So March 22, I was able to pay off the last of the credit cards. The story doesn't end there though. As I write this I'm back $10000 in credit card debt.
Why?
The timeshare balance was around $10000. The timeshare company, Wyndham Consumer Finance, sucks. They did not give me online access to financial information, I had to call them to find out how much I owed. Interest compounded daily. And to top it off, if I wanted statements in the mail, they wanted a "$5 service fee." Furthermore, when I would send in an extra payment, they would put it toward maintenance fees instead of loan principal. Idiots. Screw them. So I want to be completely in control of my personal finances, so I found a way to get rid of them.
I applied for a bunch of new credit cards (after the new law passed) and transferred the balance over to 0% for 6, 9, and 12 month periods. Thus eliminated the interest paid on the timeshare. Thus no longer having to deal with the incompetent timeshare people.
So now I have to get my credit cards taken care of again, but this is less pressure since we have more cash flow and honestly we've gotten very good with our money throughout this process. Tuition in the school of hard knocks I guess.
We currently live (both needs and wants) on about 35-40% of our income PER OUR BUDGET. The reality our income is underestimated and the expenses are based upon the highest bill I've gotten in particular categories. So we always end up with a surplus at the end, which is put toward debt or savings.
I'll need a separate entry for the things we do to cut our budget.
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