I had my annual review meeting with Manager, who apparently, and miraculously, has no plans to fire me, despite what I perceive to be recent decreased performance. I’m getting a small cost of living salary increase of 1.7% and my annual bonus! I’ll be getting my bonus soon. I was really nervous going into the meeting as I didn’t know what to expect or if I’d have a job coming out of it, but was relieved that it went as well as it did. I have improvements to make, but I still have a job.
In fact, I’ve been assigned two new projects. Thankfully, these projects will be in line with the old workstyle, so I expect I’ll feel comfortable running them. I’m planning to stay where I am for the immediate future. It won’t be easy at all, but if I can somehow grind it out here for one more year and pay off / down this debt, a lot more avenues will open up to me starting next year. Newish Leader (my manager’s manager) has been more hands-off lately, and this trend should continue. I plan to stay under Newish Leader’s radar as much as possible.
I just need to be able to survive for one more year before I can escape for good. Read More
Student Loan Update
FINALLY(!!!) I have my new account settled. Refinanced at the end of November. Earnest-Navient didn’t send out the overage refund check back to new servicer until the end of December, one month later. Then it took the new servicer until a few days ago, mid-January, to credit the check and update my account. OMG, almost 2 months?! Ugh. What were they using, the Pony Express?! In any event, it’s good to have that servicer transition over.
Oh, and I made a payment this week, which brings my balance to $32,700, down from the $35,000 I rang in the new year with. This is great, but I’m wondering if I should have held on to the cash. See below.
This update is not a good one. Read More
I know I can go a long time between posts. Before last week, I’d been super busy at work, in another crunch period working late evenings and weekends. Things have lightened up a bit for now, but there will be another crunch in December before the holidays.
Talk about timing! In one of my recent posts I talked about learning to appreciate my job. Well, I just Read More
If you’re familiar with Dave Ramsey and other personal finance writers you’ve heard of the value of driving a ‘beater car’ for getting out of debt.
What is a Beater Job?
When I talk about a ‘beater job’, I’m not talking about a side hustle or part-time work. I’m referring to a full-time, 9-to-5, ‘career job’. If you’re in deep, massive, six-figure debt, like yours truly, you may find yourself having to decide how much your current job is really worth to your financial future. Should you jump into a not so great position just for more money to pay your debt faster? Read More