First (new) Paycheck

I got paid for the first time of the new gig on Friday.   I didn’t have any of the deductions that I will have going forward, as nothing had processed in terms of 401 (k), medical, parking, etc.  (Sadly, just the taxes.)

For one week of work I had tax home pay of 760.  The first thing that went through my mind was spend!, pay off credit cards! I mean, I got paid for the entire month of June from my old job that paid all my bills for July.  So, theoretically, wouldn’t that mean that the money that I made the last week of June from the new job be fun spending money?

In reality, I kept 100 for spending on random items (food, household, fun, birthday presents, laundry.)  Basically everything that I had budgeted for already.  Then I put the other 660 into a savings account.  I then started an excel file that outlines all my bills and these different lines are fake “sub accounts” that I can use to make sure that I have enough to pay for the next month.

I figured that this was the safe way to go since I am not too comfortable with the way that I get paid currently.  There are still a lot of unknowns.  So while, I should be putting it towards credit cards, I want to make sure that I can survive and pay all my bills.  I currently haven’t been working at the side job.  I can always go back and fill in if I want to, but I am learning to live without it.  Though I am not always sure what to do without all the free time.  Least to say, I have been binge watching TV.

And like that, it’s over

My family always said I avoided conflict, drama and taking responsibility. I contest this in a few ways. Though, I admit, I avoid drama. it’s not worth the energy.  However, the one thing that people cannot deny me of, is bringing to life, or to the forefront when things are working with a guy.

GI Joe and I broke up tonight. Realistically, it’s been over for a while. He hasn’t been happy and kinda cold me since I told him about my new job.  In reality, all the excuses and reasons don’t matter. We both knew it was over. There was no point in saying it face to face, we haven’t had a conversation in weeks. It’s basically been one of us talking at each other.  As I told him, the last memory we have is giving each other a half hearted hug.  There’s no point I thought in meeting to say that’s its over, why leave with a negative memory.

Why didn’t I fight for it? There was no point. We had nothing in common. He was a slob, and an alcoholic. Our tv tastes weren’t even in line, much less sports teams. It’s honestly shocking that it lasted as long as it did. However, the last month we saw each other once. It wasn’t a happy time.

The only problem now, I have an extra ticket to a concert at the end of the month.

The other problem. I need a break from guys I believe.  I haven’t had a break since Vegas and MedSchool and that was October? My heart still hurts and sadly yearns for Vegas. I miss him, and his calming presence.  He would be so happy that I got into my new job and away from the hell hole.  But sadly, he is gone. Forever. He will forever be the one that got away.

I guess you could say that GI Joe was a rebound, but I never rebounded. After 5 months, I still miss Vegas, and I felt absolutely nothing for GI Joe. That’s prolly the worst part  Or the fact that I don’t get to play with a badass bulldog puppy anymore. Or that now, it will be a little odd as I will miss his neighbors (but never his roommate.) It could go either way.

 

 

Dawn of a new Day

It’s been a week into my new life.  I feel as though it’s been heart-wrenching to say the least. There have been so many ups and downs. I don’t even know where to start.  The negative and end on a positive note, or start with the positive and gloss over the negative. In the end it doesn’t really matter. It’s all the same in the end.

How about I just start at the beginning.  Gi joe went to annual training and he made time for me, even just checking in every day/every other day.  During this time, spurred on by my best friend, I applied for jobs. I got an interview, was hired.  His first day back to civilian life was my first day on the job.

Since then, we (or should I say he) was distant and cold.  It’s not getting better.  As the saying goes, sex can’t fix everything. In reality, I don’t know if I want it to. That is the part that confuses me the most.  The other thing that I can’t help but think is that I have now told my family about him. So of course it isn’t going to work. Or at least that is how the past has gone.

We need to talk. But in all reality, all I can help but think, was he happy because he had the better job, made more money and I was miserable. Did he like me because I was miserable? Is it now that I am happy and make more money than he does; he’s no longer the alpha male of the work world?  I’m not even sure if he even likes me any more. I think that the worst part is, I’m not sure I’ve even liked him. But for us to talk, it has to be a two sided conversation. There hasn’t been that for a while.

I almost want to tough it out for the next 2 weeks just to see what he does for my birthday.  I doubt he’d remember, get me anything or even celebrate. Yesterday, he sent his roommate to get dinner, he didn’t even ask me if I wanted anything. He even told he forgot about me.  Was he really surprised that I suddenly left for my own couch in my own place to watch tv, verses his tv with him at his place.

For all intensive reasons, I would say that it is over between us. Its just the final goodbye that needs to be communicated. I go back to my birthday wanting to stay just so his neighbors can ask me what he got me – and I can go “nothing, he forgot.” One of his friends asked how it was going. I couldn’t answer because that would mean that I would have to acknowledge that it’s going badly. As I was at the party, all I could think about it wasn’t going to last the month.

On the flip side. I think that this partly (wishful thinking?) because my new job and how I am actually happy. My situation has changed for the better. And I am happy. For the first week, I was truly happy until this past weekend. Now I am playing the waiting game, effectively communication chicken. I’m tired of the one for the past week and half communicating to get 1-2 word answers.

My job is great. I think that I am going to love it.  A lot of the things that I have done I did at my previous job. There are only minor tweaks in how things operate or data entered. I feel respected for the first time in a long time. I don’t get asked “what do you want?” when I am listening to my boss talk to another.

So the fun part – money. I get paid 53K a year. I’m eligible for overtime as well, but with my position, don’t know if I will actually be able to take it.  We get paid every 2 weeks.  I looked at a tax calculator to find what my estimated pay would be – 40,380 after taxes divide that in to 26 (pay periods) – insurance and investments, currently my paycheck would be (drum roll please) 1443.  Granted, that will go down. I need to invest more into my 401K.  But I was going to get my first paycheck and then set it up with HR.  I can change it at anytime. I just don’t remember how.  With this week being a short week because of the holiday and everyone finishing up onboarding and payroll duties. I was going to be polite and wait.

My final paycheck from my old job was 100 short of my normal paycheck. This was because of vacation that was required to be paid out. (I got 40 pre-loaded for my new job – it’s worth about a grand).  I will get paid every two weeks which will be different for me. All my bills for July have been deducted. So my plan is to take a percentage of the paychecks for spending, and put the rest into a savings account, wait till the end of the month, and pay my bills. Like I have been doing.

The positive to this is that I will be getting 2 full paychecks throughout the year to put towards debt and savings. I’m not sure how I am going work on this. But it will be a work in process.  All I know is that I don’t have to have a side job to enjoy life.  I get my nights and weekends for myself.  (I would say with GI Joe, but realistically?…)

With gas prices the way that they are, I use about 2 gallons of gas per day. So  4-4.10 on gas per day.  20 per week. Not bad considering.  At some point, I plan on moving to that area. I just don’t know when, plus I need/want to save for deposit/rent, etc.  The work also has a cafeteria on sight.  It is subsidized by the company.  Though, I’m not sure how effectively, the prices seem all over the board.  A pint of soup is just over 2, while a large fry is just under. So the soup (and salad for that part) are a great deal (it’s delish) while the fries  stink.  Even the egg rolls are only 50 cents a piece.

I’m debating on how to do lunches. Especially since I am trying to cut weight.  I can have a soup and salad for under 5.50.  So I will most likely do a combination of taking my lunch eating their food.  They also provide free fruit water (yummy) and coffee (not so hot – in flavor of taste) so I bought k-cups for the machine that they provide. I figure it is an investment.  Truly it is.  Since starting, I have purchased coffee twice. I was back to buying Starbucks everyday/every other day.  Now it is back to being a treat, something to enjoy; not something to keep me busy and distract me.

The other cool part is that they will pay for health related activities every year up to 150 – including races and gym memberships. (The tuition reimbursement program isn’t as great and requires a year of working there.)  But I can sign up for a bunch of different classes and get repaid for it.  So much for my martial arts (I don’t pay for that either.) Here I come groupon.

The insurance is all right, nothing to write home about.  Sadly, I think that I am going to get a bill from the FSA company at my last job, as I overspent it by 200 accidentally. It would have been fine, had I kept working at that job.

But I would rather write and finish on a positive note. How I get to enjoy life. How I’m not dreading waking up in the morning. How great small (big) changes can be. I realized that I used to shop out of not only boredom, but depression. Now I don’t feel the need nor want to buy random items. How it doesn’t make me happy.

 

Dawn of a New Day

Today is the first day of my new job.  I am super excited.  Even today feels different than normal.  My alarm went off at 6 like it normally does. I let my self sleep in until 6:15. I was excited to get up and face the day. I didn’t dread getting up and going to work.  The feeling of this is amazing.

I’ve drank my coffee.  I just need to get some breakfast.  I don’t have breakfast items.  Yesterday, I drove back from the conference (more on that later, most likely tomorrow) and was not in good spirits. I was ill. I didn’t eat anything yesterday, I had maybe a handful of popcorn.  So to go get food, or even look at food was beyond my ability.

I didn’t do a ton, I did pick out my clothes for today, and packed my bag. But I spent a ton of time on the couch with a funky stomach.  Ginger really wasn’t helping, but it’s more my GI tract, not stomach.  I will survive. I got this.  No big deal. I am not taking my lunch today, as I don’t know what to expect. I do know that there are lots of places to eat, and a cafeteria on site.

The one thing that I am not completely sure about is the parking. In one packet, I was told to park in place A, and another packet I was told to park in place B.

My finances are horrible right now.  I don’t even want to know. That’s scary considering how far I’ve come.  Today is pay day, but it will only be about $100.  This should get me through the rest of the week.  I am nervous. i don’t know what gas is going to cost me every week.  I am going from drive 10 miles round trip to more of 70, but instead of city stop and go, its 95% interstate.

 

Eek.  Wish me luck.

Nope, nada. – bad

This month has been expensive to say the least, and it’s going to get more expensive. I don’t even know how much I have spent. I know that it has been a lot.  I was eating out a ton. I bought a bunch of new clothes, drove twice to a town 3 hours away, purchased items for a graduation party that I won’t get reimbursed for (I’m don’t care, it’s just the accounting of it.) Tomorrow I leave for a conference.  The only good thing is that all the conference related items I will get reimbursed.  The good part about that is it is on a points credit card. I will get 7x the points for staying at the namesake hotel.

Like I said, I don’t know how much I have spent this last month. Technically, I don’t want to know. Granted, I will find out when it comes to the end of the month, and I start to pay all my bills.  It’s hard to be ignorant at that point.  I’ll make a plan at that point.

I start my new job on Monday.  This week I took off to enjoy life and go to the conference. I literally haven’t done anything. It is has been a crazy experience.  I feel free. The stress of my job has melted away. I am trying not to spend money. Actually, I am not trying to spend money stupidly on items that I don’t need. I have spent enough on stocking the freezer, gas, general food, and clothing (business clothing, for some reason I’m not allowed to wear hoodies and jeans to my new job.)

One of the cool things that I did get was a DKNY trench coat from Goodwill for 11.00.  It was in great shape. I couldn’t pass it up. Granted, I wouldn’t be able to wear it for several months, but it will look amazing and chic come this winter. And when fall comes around, I’m sure I won’t find another one.  I also took 3 bags to Goodwill and tossed out a bunch of side hustle t-shirts that won’t be worn again.

A bonus. I managed to get 6.25 rebate on Ibotta. I was proud of myself. Too bad 5.00 of it was from beer. But a girl needs to relax.  I also had a great dinner with the Man, he is finally back from his annual training. It was great to just be able to watch tv and chill. We had dinner at BWW. Ironically, it was on a night that we generally have never had a date night before because of the side job.  The best part, our wings were half off for some special that night.

I’ll cover my conference expenses in my next report. But be prepared it will be expensive as it is downtown metropolitan city.

 

 

It’s not goodbye, it’s only tell next time.

Yesterday was my last day at the side job. Tomorrow is my last time at the full time job. Next week is all vacation, and travel. The following Monday, I start my next job.

It’s going to be a wild ride. I know that the next 10 days are going to be expensive – I have a 1000 hotel bill. No joke. Thankfully, it’s going to be reimbursed. But still.

I also learned to day by looking at some apartments, I’ll stay in my apartment.  It’s expensive to live in my new work town. It is going to be fun, but I am going to have to make some adjustments.  Maybe later on I will move down there, but for right now my goal is to build up a savings account and pay off my credit cards.

(Oh, I have to purchase a new work wardrobe.  No more jeans and t-shirts/hoodies for me. Bring on the business casual clothes that I have none of.)

Like I say goals.

The other big difference is that I will be moving from paid once a month to being paid every two weeks. So paying my bills will also be an interesting experience in the next coming months.  Granted, I will be making way more, and not worried about covering my bills, it will be more sticking to a budget.

FYI – I stink sticking to a budget.  I learning this the hard way after tracking my expenses for the last year.  For instance, I spent 140 dollars on new underwear and bras, and then a 25 sweatshirt. I had 40 for clothes, or more likely a negative amount, considering I spent 500 the previous week on clothes.  In my defense, it was a jacket, a blazer, a pair of dress shoes, 3 shirts, a pair of jean and a pair of dress pants.

Last month my food budget was off the charts, this month isn’t looking that great either.  My savings are being depleted. I need to apply tourniquets.  I will get there. I have excuses, but that is all they are – excuses.

New beginnings

If you noticed, I deleted all of my posts. I wasn’t sure I wanted to keep the blog. However, my life is a changing.  For the better.

As my friends say, my life is suddenly coming together.  I am dating great guy. Granted, I haven’t seen him in 2 weeks. He’s still a sweet guy.

And the biggest news – I got a new job. I start at the end of the month. It comes with a 25% raise.  My commute is a lot, lot longer, but I am excited to go to work. I just have to make it through the end of this week.  No more part time jobs for me. And I have the potential for paid overtime.

I am not moving yet, I’ll go through those motions next fall. I want to get settled into my new gig.

I now have to out together a work wordrobe.