And you missed me! :heart:
Sorry for taking sooo long to reply to your comments. I was out of the country so I turned off apps, etc., to limit data usage. Thus, I was not getting notifications that there were comments. Duh! I thought I’d literally bored you guys to death with my previous posts; or that no one had anything to say. Boy was I wrong. Thanks for checking up on me.
I FINALLY did it. I took a real vacation. With passport in hand, I traveled half way around the world. I even enjoyed the long flights. It was beautiful, fantastic, awesome, incredible!!!! I LOVED, LOVED, LOVED it!!!! I can’t put into words how much I needed this trip. Worth. Every. Penny!!! :screams:
: …that I couldn’t stay longer. 😥 Hell, that I couldn’t stay forever! I’m so envious of people who can live abroad whenever and however they want. I started plotting my return before I even left. Once I got back I kept researching… How could I get to live there, at least for a few years? There are a few options, but all would require SUBSTANTIAL pay cuts. I was on the verge of applying to one opportunity, but I couldn’t go through with it. My debt load and financial obligations (saving for retirement) wouldn’t allow it. 😥 I HATE DEBT!!! I resent the naive, ill-informed decisions that I made about money over the past two decades that are robbing me of life opportunities now. Grrrr!
It’s ugly. My ‘budget’ exploded like a Samsung Note 7. I overspent my budget by over $1500! 😯 I can’t blame it all on vacation though. I’d split it as 70% vacation related, 30% good old me going way over budget on food and health/clothing expenses. Beyond depleting my Opportunity Fund, which was planned, I took money from my Health Maintenance and Emergency fund to cover my overspend.
I know! I know! Booo! Hisss! Don’t chase me with your pitchforks. I know. Overspending is NOT an emergency. Show mercy. I’m impatient and weak. My second priority now, is to replenish my Emergency fund to pre-vacation levels with any spare cash. My first priority, however, is to build up my Opportunity fund again so that I can go home for the holidays. I haven’t seen my extended family in a couple of years and my parents are getting on in age. I’ve been away too long and family is important.
I’m planning to use any bonus I get at work after the holidays to help in starting to refill these accounts. If I get a small annual ‘raise’ (really just a cost of living adjustment) next year, I also want to increase my HSA (Health Savings Account) contribution. I could max it out ($3400/year in 2017) with $141 gross from each paycheck. MAYBE I could swing that??? Sigh…
If I weren’t spending $2300 a month on debt, I could afford these things. I hate debt! Arrgh!
I Need More Money!! Is it Time for a 2nd Job?
I want more money. I have too many goals and not enough cash. I’ve been thinking about the pros and cons of getting a part-time job. It’s on my 2016 Goals List as something to explore.
Unfortunately, I don’t have any profitable skills outside of my career. I am prohibited by my employer from performing the work I do for them for other employers, so that option is out. That leaves me looking elsewhere. I’ve recently spent some time looking again and I’m running into the same problems as when I’ve looked around in the past.
One. Part-time jobs want ALL of your time.
I found a few jobs that sounded pretty reasonable at first, like working in a bookstore. That sounds like a relatively low stress job that I could do on the weekends and evenings, right? Well, upon examining the ad, the employer requires that you be available to them mornings, afternoons, and evenings, Monday through Sunday, so they can schedule you to work whenever needed. Umm yeah, I have a full time job, so that’s not an option. Next!
Two. Specialized requirements.
“Must have own vehicle.” Uh, nope. That is not in my budget. I’m not gonna go further into debt buying a car just to get a low wage part-time job.That’s known as “hustling backwards”. Sigh. Is a bus pass good enough? No? Oh well. Let’s keep looking…
“Must be able to operate a forklift.” Seriously?!? LoL! No!
“Must be able to lift and carry 65 pounds.” Ha! If you read my gym posts, you know I have spaghetti noodle arms. I can’t even do a single push up. I told you I was weak! In more ways than one it would seem. LoL. Yeah, those jobs are out. Next!
Three. Requires sales.
Ugh! You must meet a daily / weekly / monthly sales quota or you’re out. I don’t like being sold to and I REALLY don’t like selling. I don’t like pushing things on people that they don’t need like merchant credit cards, unnecessary warranties, etc. That bookstore job I mentioned earlier; they also have a sales quota. Even if I magically found the time to be every place at once and get that job somehow, LoL, I’d get fired within the first month for failing to upsell anything. It seems that every job is a sales job these days. I don’t want that added pressure and stress.
Four. The money doesn’t add up. (aka the Wrath of Uncle Sam)
The jobs I see pay minimum wage or a bit above. Yeah, that’s like, um… low. Those that advertise $10 or even ‘up to $15’ an hour seem worth a second look, but once I subtract what I’d likely give up in taxes and other mandatory contributions, what I’d bring home doesn’t look so hot. Plus, I have to subtract transit costs, to and from the job and other incidental expenses. Is it worth the stress and wear and tear on my body and overall health?
The $15/hour online jobs are often independent contractor positions, which opens up tax complications, including the additional 15% in taxes one must pay when working these types of jobs. Plus, I’ve read accounts of people trying these jobs and the advertised hourly rate being difficult to attain in the real world. It’s more likely you’ll earn $10/hour at best. Maybe that’s OK if you are a full time student or a stay at home mom with no other job and are thus in a low tax bracket, but it doesn’t work for me. A 10-15 hour job (incl public transit costs) could come down to something like $4.50-5.75 dollars an hour. Is that the best use of my time?! If I’m going to spend time training and working I want a job that can go somewhere.
I did find one job that pays $11/hr (w-2, not independent contractor), appears to be low stress, and is only on weekends. I don’t know how many hours per week are required, but I applied for it. So let it not be said that I am doing nothing. It’s a long shot though, so I’m not holding my breath. In the mean time, I’ll keep looking into my options.
Maybe a better use of my time would be to devote my non- working hours to my health and long-term career planning and training.
Health & Gym update
I have not been back to the gym since I stopped going to the small expensive studio. So my meager ‘gainz’ have deteriorated back into flabville. I feel recovered enough to try working out again, so I have joined a local YMCA. It’s a trek to get to. I have to take public transit to get there, which adds a motivation barrier. Membership is about $65/mo, which is reasonable here (high cost of living area). I’ll try it out for a few months. Because it’s so far away, I won’t be able to get there in the mornings. I’ll have to visit after work and on the weekends. GAH! 😦 NOT looking forward to the crowds!
I’ve been a member for a little while already and I still haven’t made it out there to work out. Bad sign. It’s a very good gym. It offers a lot of equipment and classes and is full of people and very big. A little too big actually. It’s a large and intimidating facility; VERY different from the other little studio that I came from. After just a few minutes of going up and down stairs and elevators during the orientation, I was lost. Crowded locker rooms with nudity and no privacy scare me. Pathogens scare me. You can tell that I never played on a sports team as a kid, huh? It will be an adjustment. I’ll see if I can brave it.
Unfortunately, this “Y” seems to be busy year-round, so I won’t get a calm December to ease into the place. I can’t imagine what it will be like in January. 😯 It may be a free-for-all, seriously. I will have to start with the free orientation sessions to get more acclimated to the place and the equipment.
I’m in a busy patch at work. I’m overloaded with projects, working extra hours, including weekends, pulling an all-nighter (there may be more of those on the way), and am generally stressed out. I hoping that once this passes in a few weeks, I’ll be able to get into a rhythm of going to the gym after work. I also need to take some time to rest because I hold onto stress. Maybe I need more rest than most?
If exercising and resting (rather than taking a low wage second job) save me from having even one more surgery, it will have paid for itself.
Long Term 2nd Career Planning
With my part-time job hunt going bust, I’m thinking I should use this time to think long-term about a second career and/or starting my own business down the road.
One second career option i’m evaluating would require a certification to start. One way in would be to get the basic certification, the work for individual customers who’d hire me for a certain number of hours each week. This work would pay closer to $20/hr to start and then go up. Later on, with some experience under my belt, I could transition to full time. This could be a lower paid, lower stress second career that I can fall back on if/when I get burned out/laid off,/aged out, etc., or just decide to make a change from my current career many years from now. I need to examine this more. The plus side is that this job path is portable, meaning that I can do this job while traveling, which is what I’m looking for in a second career. No more being tied down to a cubicle.
As I’ve posted about before. It’s important for women to have a second way to make money as it becomes very difficult to get hired or stay employed in our 50’s and beyond. With lifespans increasing, and healthcare cost skyrocketing, we need to have a business of our own (large or small) to gain income in our 50’s and 60’s (or earlier!). Right now I’m in the brainstorming phase. I want to come up with 3-5 ‘viable’ (non-absurd) ideas and then lay the groundwork to evaluate them over the coming months. The certification career path above will likely play into one business option.
I also would love to have a (side) business that is semi-location independent. It would be something that I can take anywhere and start up anywhere. I don’t want to be tied down to one place like I am now. I have many ideas, I just need to take the time to evaluate them. And by evaluate I mean not just examining if there is a market for this product/service today, but will there be one 10-20 years from now. Ha! Good luck with that, huh?
Hey, I just noticed that this is my 100th post! Cheers!!
Anyway, that’s what I’m up to. Anyone else trying to plan ahead?
“Debtor’s prison is real, and opportunity cost is a bitch.” (DDSW) [All posts on one page]