7 Times When It’s Awkward to be a Double Debt Single Woman at Work

annoyed coworker

Do you work at a place where you are the only single (and/or broke) person in your work group?

I do (and have done so in the past) . For the most part that’s not a problem, as my co-workers and I spent a lot of our days heads down typing away on our keyboards in cubicle land. Sometimes however, I am reminded of my singleton status, and it’s, well…awkward. Am I alone in this?

These are seven times when it can be awkward to be a double debt single woman (or man) at work, in no particular order. Can you relate to any of these?

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ONE —  Monday morning / Friday afternoon chit chat about the weekend

You know, the Friday afternoon talk about exciting upcoming weekend plans with spouses / significant others and Monday morning breathless reports of weekend escapades. It’s all fun, but Read More

My ‘Working Again’ Debt Payoff Budget September 2013

I-hate-student-debt1

Photo credit: LabMinions.com

Now that I am working again and no longer unemployed, I’m revisiting my old unemployment budget and making updates.

NET Income Per Month (after taxes & required deductions)

Job #1:  $4,935    Omg, taxes are a BEAST!  Grrr.

Job #2:  $540

I am not pursuing any additional side hustles at this time. Between these two jobs, I’m maxed out on hours and stress (60-75 hours per week). Any more than that and my health suffers noticeably.

Total Income:  $5, 475

sad-woman

The Outgo per month

Rent+Utilities:  $1465   (Unfortunately, I’m back in an expensive apartment, this time WITH a roommate.  How this happened.)

Phone:  $70    (Yes, I still have my iPhone. Sigh.)

Student Loan 1: $40    (This one is not bundled with my others, so I pay on it every month.)

Food: $500    (Yes, this is too high. I am not cooking and still eating out a lot.)

Public Transportation: $200  (Yikes! Public transit is waaay more expensive here than I thought it would be. )

Health Insurance: $100  (Yikes again! This is the cheapest High Deductible plan offered.)

Credit Card Debt:  $2,000  (Ouch!  Did I mention how much I HATE debt!? The credit card debt will die first.)

Student Loan 2: $850    (These payments begin next month. This is interest only. Aggghhh! This should be retirement money!)

Gym Membership: $65

Netflix: $15

Fun/Misc/Clothing: $100

Emergency Savings: $70

Outgo Total:  $5,475

 

What Does This Mean?

rough-road-ahead

This will roughly be my budget for the next year. I will not be having fun. This assumes that all goes well with my new job and that I don’t get fired again. This assumes that I don’t have any major health problems. Items in red are targets for cutting. This apartment complex makes it virtually impossible to get out of your lease, so I may be stuck here for a while, but I will consider my options. As soon as I am able to look for cheaper housing I will do so. That will save me hundreds of dollars each month that I can put towards retirement and emergency savings.

What Does This Really Mean?

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

April 2013 Update: Back from the Dead Edition

medium_8551369496 exhaustion desk

I’m back for a brief update. My credit card balance is still at $24,998. Right now, I need to build up my emergency fund. Why? Well, the last few weeks have been brutal on the job front.

Right when my second job started, I became entangled in an unusually large project at my 9 to 5 job that required more and more time. For the past two weeks I have been working all day, all night, weekdays, and weekends. No sleep. No breaks. Between the two jobs, I was exhausted, stressed out, and at my breaking point.

My relationship with my manager at my 9 to 5 job has been rapidly deteriorating over the past several months, and this past week has been one of the worst. I’m certain that she’s already laying the ground work to fire me. Poor work review in writing (where I’d had none previously), check. Replacement hired, check. Oh yes, she’s hired someone new to “join” the team, but it’s obvious to me that this person will be replacing me.

I’ve realized that I’m better suited to working “in-house” at a company than working for clients.

I’m literally waiting for the axe any week now.  I have a standing monthly meeting with her next week, and it will not be pretty. If I walk out of there with my job I will be surprised. In the meantime, I’m submitting applications to various places and have already had one phone screen.

Buckle-up. It’s gonna be a bumpy ride.

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

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photo credit: Cristiana Gasparotto @ flickr, “Exhaustion”, Creative Commons 2.0