The Post Where I Have No Idea What My Student Loan Balance Is

Did you participate in Black Friday / Cyber Monday or did you participate in Buy Nothing Day?

I bought one thing on Black Friday. I had no business buying anything else given my finances right now.        Read More

[-$52,360] The Post Where DDSW Comes Back to Earth

Image Credit: Kate Ter Haar

Um. Helllooo?  Do you guys remember me?

I know! I’ve been a bad, bad blogger. It’s been 1.5 months without a post!

Ok. Quick check-in time. Where the heck have I been?  Well… I’ll tell you. I feel like I’ve been in orbit.

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Storm Clouds on the Job Front

woman in cubicle - miserable at job to pay off debt

Ahh! The hits keep comin’.

As you know, I now have the task of paying this emergency room bill, which will clean out my tiny savings account and consume most of my next paycheck. After that I have to save up to pay for the surgery that I must have. I now have another reason to save up whatever money I can.

My company has been in cost-cutting mode for years, since before I joined. The magnifying glass and knife have finally made it around to our division. We had a dreaded ‘re-org’ at work this week. Re-orgs (re-organizations) sadly aren’t uncommon where I work. There seem to be at least one or two re-orgs every year. Sometimes re-orgs are just a result of executives being shuffled around, small divisions merging, large divisions branching, etc. Other re-orgs are due to a reduction in force.

This re-org was the second kind and was the first one to affect my division since I started working there. In one day, our Director here in our satellite office, was sacked, and was escorted out with the proverbial cardboard box. Furthermore, a bunch of Read More

Are You Trapped in an Abusive Relationship with Your Job?

Abusive

[photo credit: DeliriumBlue @ Flickr]

My posting has already started to drop off. Why? My 9 – 5 job has become shaky over the past couple of weeks. My love of this job that I’ve held for the past two years has taken a sharp decline over the past 6 months. The details of this are the subject of a separate post. Suffice it to say that I have begun to look at job boards. I really don’t want to have to go on the job market. I really, really, don’t want to have to go back on the job market. I was last on the market during the recession, and it was brutal. Even more than that, my debt keeps me shackled.

I’ve started to think about bad job fits like any other bad relationship. I’ve come to believe that the worst job relationships can be as emotionally abusive as any other relationship.

Are you in an abusive relationship with your job? See if any of these apply to you.

1. You are subject to regular criticism and judgement; from informal comments to formal reviews. Ever endured a 360 review? No? Look it up and consider yourself lucky. They can be things of terror.

2.  You have lost your self-confidence and self-esteem. You are now a shell of the person you used to be. You question every decision you make and second guess yourself constantly. This extends into your personal life.

3. You start to believe the critical comments made about you. You begin to think that you deserve the treatment you are receiving.

4. Your opinions and suggestions are not respected and are ignored.

5. You live under a myriad of rules; too many to keep track of. You fear doing anything at all because you might be breaking a rule somewhere, which would result in bad consequences.

6. You are watched.  The metaphorical panopticon lives. You feel as though you are always being observed. Your physical whereabouts and online communications are monitored.

7. You are bullied, insulted, or called names.

8. You must get permission to do anything.

9. All of your time must be occupied with it. Forget about spending time with family and friends. You’ve even started dreaming about work. You are made to feel guilty for wanting work-life balance.

10. You get an occasional gift, bonus, award to entice you to stay around a little longer.

Why don’t more people leave abusive jobs? The short answer is, for some of the same reasons many don’t leave an abusive marriage. A few reasons are:

  • 1. Lack of financial independence.
  • 2. Self-doubt and fear that there are no better options out there.
  • 3. Peer pressure or fear of losing the perks and high status that are now enjoyed.

If you feel that you are in an abusive job, start making plans to get out. Eliminate as much debt as possible and put some money aside in an emergency fund. Start looking for new work and be sure to ask more of the right questions, this time around.

As for me, I’m starting to think that my days at this job are numbered. If I last through the end of the year, I will be happy for the sake of my debt. In the meantime, I now have another part-time job of scanning the job boards to add on top of my other three jobs.

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