The Debt Slave: Do You Feel Trapped in Your Job?

wage slave

It’s 5:45 in the morning and your weekday alarm clock sounds, abruptly yanking you out of a peaceful and cozy slumber, AGAIN. How do you feel? Bright-eyed and bushy-tailed? No? Perhaps groggy, but functional? Or do stress hormones start flooding your body before your feet even hit the floor? A concrete cloud of obligations, expectations and deadlines weighing you down during your hour long commute to your cubicle?

You’d like to take that alarm clock and smash it against your bedroom wall, pull the covers over yourself and quickly slip back under the surface of consciousness. But you can’t. You’d like to have control over your own time, but you can’t. You need that job. You live paycheck to paycheck. You have bills to pay and a standard of living to maintain.  (Wage slave). If you have debt, it’s even worse. The wage slave can downgrade lifestyle and change their job. A debt slave MUST.KEEP. WORKING. at the highest salary possible.

I can relate. This is my life right now.  I hate debt.  I HATE debt.

stress

My workload ebbs and flows with production cycles.  A while ago I was facing burnout; pulling weekenders and all-nighters, taking forever to get basic work done, getting daily tension headaches, body-aches. I was eating asprin like candy. More crows feet and laugh lines greeted me in the mirror. I was so stressed, that I ended up doing something that I only did one time before in my life. One day I had to take a sick / mental health day off  from work. I was a wreck.

Fortunately, the workload lightened; sometimes by a lot, and the world was ok again. Unfortunately the crows feet and laugh lines didn’t lighten. Sigh.

Now, I’m squeezed between two very large, high profile projects with senior executives watching, and I’m dropping the ball. Co-workers are rushing in to do work that I should have had mostly done by now. Goodbye to any possibility of a salary raise.  I’m spending this weekend working to catch up and getting headaches again. Ugh.  I want off of this stress roller coaster, but the price of exit is too high. I must keep working at this job. I don’t want to paint my job poorly, most of the people are quite nice and good to work with. I’ve learned from personal experience that that is worth its weight in gold. I’m not in an abusive job (anymore), so I’m not looking to leave. There are things that I really like about my current job and I’m grateful to have it.

work-stress-depression-400

It’s just that debt reminds me that I have no choice. I’m not here because I want to be. I’m here because I have to be. I’m working, but not enjoying the benefit. Seeing others my own age and younger with their spouses, homes, cars and exotic travel destinations makes me feel like a failure.

They say that depression is born in the gap between where people want/expect to see themselves in life, and where they actually are in life. This is often the case when we magnify and give too much importance to our perceived failures. Maybe that’s what I have. Or maybe I’m just coming to grips with reality. Maybe the vestiges of my youthful optimism have been burned away.

If you have a lot of debt – deep debt – then you know what I’m talking about. When you look ahead, all you see is a long dark lonely road of debt slavery where you realize how trapped you are. You realize that, if you are fortunate enough to have a job, for the next X years of your life, you will work to make others richer. You realize that you will have no choice but to drag your tired body out of bed every morning, get in your car / on the bus and go to work when you’d rather do anything but. You are a debt slave.

At nearly 40, I’m renting a room and riding the bus to pay back debt. I’m putting off life experiences… I’m right back where I started in life. My standard of living will be lower than my mom’s was. At least she could afford her own apartment and car when raising my siblings and me.

I am accepting that this is where I am and trying to deal with it. I’m serving my time.

Enough of this. Time to catch up on my work.
Where’s my asprin?

What about you? Has your job gone to the dogs? What are you doing about it?

careerdog rwbayerscpa com

“Debtor’s prison is real, and opportunity cost is a bitch.” (DDSW)

September 2014 Update: Health, Housing, Budget & a Mini-Rant

I know! Long time, no write!  You can stop sending me hate mail for keeping you waiting for details of my exciting and glamorous life…  Not!   🙂

In reality, I have the most boring life on the planet right now. Ugh. Work, sleep, work.

stethoscope

HEALTH UPDATE

I am feeling much better than I was the the time of my last post. My acute symptoms were mostly caused by something new in my diet (dairy, esp. ice cream) which tasted heavenly, but was highly inflammatory to my body. So I had to cut that back out and add it to the long list of things that I can’t eat anymore. 😦   Why can’t I just be normal?  If you can eat anything you want and don’t have food allergies and intolerances, be thankful for that. Seriously…

My credit card payoff will be a bit slower now, because I need to save and prepare for medical expenses. I may likely have to have surgery next year.  I’ve finally decided to max out my HSA (Health Savings Account) starting this year (~$3,000 /yr). Because I’ll need the money for medical expenses anyway, it’s better to save it and use it tax-free.  Better late than never. At this rate it is unlikely that I’ll pay off my credit card debt this year 😦 , but hopefully by February 2015…   Did I mention yet how much I hate debt?

basic plain bedroom of someone renting a room to pay off debt

HOUSING UPDATE

I’ve been in my new place for over 2 months now. I am renting a bedroom in a house that I found via Craigslist.   I have three roommates. We are all females in our 30s, 40s, or 50s. I never thought I’d say this about having roommates, but so far… it’s not bad at all. The mood of the house is calm and mellow, which suits me. They don’t have random visitors hanging out in the house all the time like my last roommate did. They are clean and are early birds like me, unlike my last roommate. We aren’t going to be BFF’s, but we get along well enough.  I could definitely do this long term. I hope I won’t have to move again anytime soon. I don’t want to lose this rent (only $500/mo for my room), dirt cheap in this region.

reminder to pay off credit cards

BUDGET UPDATE

The small bit of good news is that I was able to lower my phone bill from $110/mo to $60/mo while keeping pretty much the same service.  Yay. However, the $50 difference has been spent on food.

I’ve been failing pretty badly at staying within my $400 /mo food budget. I know that seems high to most people, but with all my food allergies and intolerances, etc. I can’t just slap together a bologna sandwich or a pack of ramen to eat cheaply.  Recently I tried cooking a couple of meals myself. By the time I bought all the ingredients and spices for one simple-looking recipe, it cost most of my weekly food budget. It also took hours in the kitchen to make and didn’t taste all that great. I’m not giving up, but it’s not going to be easy.

I’ve decided not to join a gym for now and will keep that money. The downside being that I’m truthfully not exercising at all now.  At least I’m walking more now, though.  Public transit to work is costing more than I thought now that i’m father away. I’ve raised my transit budget from $100/mo to $125/mo.  Hopefully, it won’t have to go higher than that.

people getting on city bus debt broke

MINI-RANT

Time for a mini-rant. Who / what am I ranting about now?

Bus-riders who pay with coins. I’m not in any way putting down people who pay a bus fare with coins, per se. Those of us who ride the bus have all paid with coins sometimes when we forget our transit pass, or when money has been tight, etc. I’m annoyed with people who run and push to get on the bus FIRST, and then proceed to pay the fare with a bag full of nickels while blocking anyone else from getting on. A bag full of nickels is what it sounds like to the rest of us waiting outside the bus in line.

Clink, clink, clink, clink….clink…clink, clink…….clink, clink, clink, clink……clink, clink, clink….clink…clink, clink…….clink, clink, clink, clink……clink, clink, clink….clink…clink, clink…….clink, clink, clink, clink……clink, clink, clink….clink…clink, clink…….clink, clink, clink, clink……clink, clink, clink….clink…clink, clink…….clink, clink, clink, clink……clink, clink, clink….clink…clink, clink…….clink, clink, clink, clink……clink, clink, clink….clink…clink, clink…….clink, clink, clink, clink….. .

“OMG. Seriously?!”  (My thought bubble while in line outside.)

…clink, clink, clink….clink…clink, clink…….clink, clink, clink, clink……clink, clink, clink….clink…clink, clink…….clink, clink, clink, clink……clink, clink, clink….clink…clink, clink…….clink, clink, clink, clink……clink, clink, clink….clink…clink, clink…….clink, clink, clink, clink……

Really…  If you have THAT many coins, you should let other people get on first and then pay while the bus is on route to the next stop.

This has happened twice in the last month, with the most recent occurrence happening a couple of days ago, so it’s just been on my mind.

Ok, mini-rant over.

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Can anyone relate? Let me know in the comments!

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“Debtor’s prison is real, and opportunity cost is a bitch.” (DDSW)

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