As I look back on this year, I see a year of hardships.
Started off the year very optimistic, job was going well, was looking forward to the year. I had a new manager and although I thought she was a bit “in your face” I figured I could handle it and I did, quite well. As the year wore on, I began to realize how much I truly HATED being in a sales position. I felt like I had a 2 ton anvil sitting over my head all the time and it would come down on me if I didn’t perform to expectations. This really started taking a toll on my health as my blood pressure made a major increase and I ended up on a SECOND medication for it.
As I began to wallow in misery at my predicament, salvation came along! There was a position coming available in a new Service Division in our office. Since I came from a service related background in insurance, I got VERY excited! My excitement turned to absolute bliss when I learned that this position would NOT BE DEALING WITH CUSTOMERS!!!! Talk about WOOOOOOOHOOOOOOOO!!
The only drawback was that the salary was considerably LESS than what I was making as a Sales Agent. To the tune of $6000 a year less. (YIKES!!) After much spirited debate with Chris, I decided that even though our income would be cut, it was DEFINITELY worth it for me to make the switch so in June, I made the switch! Absolutely a CORRECT move for me, however as we were later to find out, financially almost a disaster.....
In August, DH (that’s dear husband) was informed by the Social Security Administration that he was no longer eligible for SSDI payments, that he had shown he was working continuously over the last 2 years. Here is the problem and the beginning of our financial landslide. That income, combined with what I gave up when I changed positions, was over $1100 that we no longer had.
So…………….THIS is what panic mode is like!
I had to make some hard decisions and FAST. Since over half of my take home pay was being garnished by the state for Justin’s back child support, my take home was only a little over a $1000 a month. Add that to Chris’ VERY small income and you have a recipe for hard times!
I went over the numbers repeatedly and I just could not come with a solution other than taking a 2nd job, which with my schedule at work just would NOT happen. Chris’ health preclude him from taking a 2nd job, so we decided (ok I decided, and Chris begrudgingly agreed) that the car needed to go back to the bank. The bank absolutely was NOT interested in working with me, simply because of the newness of the loan so they came and got it. I gotta tell ya, it was one of the hardest things I ever had to do and I still wonder if I did the right thing. Without the car, I save over $600 a month in payments, insurance and upkeep, not to mention GAS.
So, I’m a DART commuter now. It’s not so bad. Getting to work is a breeze. I leave the apartment by 6am, walk 2 blocks to the stop and I’m on the bus by 6:24. I’m at the train station by 6:30 and on the train by 6:40. I’m in Richardson by 7:00 am, and on the bus to the office by 7:15. Usually sit down at my desk by 7:25 and I start my shift at 8:00. In the evenings, I usually catch the 5:20 train which gets me back to Dallas by 5:45 and I’m on the bus by about 6 which puts me home by about 6:15, including my walk from the bus stop.
Getting around is not so bad. We have LOTS of friends that are more than willing to take us where we need to go, but we still feel funny about asking. Since I was 16 years old, I have NEVER been without a car and it’s a VERY strange feeling. I know after the first of the year we will be looking at getting another vehicle, but I really don’t want to make payments for 5 years on something that depreciates. Probably going to save my $$ for awhile and see if we can put together a nice down payment. It will be much easier since Justin’s back child support will be paid off in January.
That’s right………..PAID OFF.
Basically I get a BIG raise in January and it will most definitely be WELCOME! We can finally start getting on our feet financially.
So yes, I am MORE than ready to be rid of 2009 once and for all and look forward to 2010 and everything it has to offer!
Started off the year very optimistic, job was going well, was looking forward to the year. I had a new manager and although I thought she was a bit “in your face” I figured I could handle it and I did, quite well. As the year wore on, I began to realize how much I truly HATED being in a sales position. I felt like I had a 2 ton anvil sitting over my head all the time and it would come down on me if I didn’t perform to expectations. This really started taking a toll on my health as my blood pressure made a major increase and I ended up on a SECOND medication for it.
As I began to wallow in misery at my predicament, salvation came along! There was a position coming available in a new Service Division in our office. Since I came from a service related background in insurance, I got VERY excited! My excitement turned to absolute bliss when I learned that this position would NOT BE DEALING WITH CUSTOMERS!!!! Talk about WOOOOOOOHOOOOOOOO!!
The only drawback was that the salary was considerably LESS than what I was making as a Sales Agent. To the tune of $6000 a year less. (YIKES!!) After much spirited debate with Chris, I decided that even though our income would be cut, it was DEFINITELY worth it for me to make the switch so in June, I made the switch! Absolutely a CORRECT move for me, however as we were later to find out, financially almost a disaster.....
In August, DH (that’s dear husband) was informed by the Social Security Administration that he was no longer eligible for SSDI payments, that he had shown he was working continuously over the last 2 years. Here is the problem and the beginning of our financial landslide. That income, combined with what I gave up when I changed positions, was over $1100 that we no longer had.
So…………….THIS is what panic mode is like!
I had to make some hard decisions and FAST. Since over half of my take home pay was being garnished by the state for Justin’s back child support, my take home was only a little over a $1000 a month. Add that to Chris’ VERY small income and you have a recipe for hard times!
I went over the numbers repeatedly and I just could not come with a solution other than taking a 2nd job, which with my schedule at work just would NOT happen. Chris’ health preclude him from taking a 2nd job, so we decided (ok I decided, and Chris begrudgingly agreed) that the car needed to go back to the bank. The bank absolutely was NOT interested in working with me, simply because of the newness of the loan so they came and got it. I gotta tell ya, it was one of the hardest things I ever had to do and I still wonder if I did the right thing. Without the car, I save over $600 a month in payments, insurance and upkeep, not to mention GAS.
So, I’m a DART commuter now. It’s not so bad. Getting to work is a breeze. I leave the apartment by 6am, walk 2 blocks to the stop and I’m on the bus by 6:24. I’m at the train station by 6:30 and on the train by 6:40. I’m in Richardson by 7:00 am, and on the bus to the office by 7:15. Usually sit down at my desk by 7:25 and I start my shift at 8:00. In the evenings, I usually catch the 5:20 train which gets me back to Dallas by 5:45 and I’m on the bus by about 6 which puts me home by about 6:15, including my walk from the bus stop.
Getting around is not so bad. We have LOTS of friends that are more than willing to take us where we need to go, but we still feel funny about asking. Since I was 16 years old, I have NEVER been without a car and it’s a VERY strange feeling. I know after the first of the year we will be looking at getting another vehicle, but I really don’t want to make payments for 5 years on something that depreciates. Probably going to save my $$ for awhile and see if we can put together a nice down payment. It will be much easier since Justin’s back child support will be paid off in January.
That’s right………..PAID OFF.
Basically I get a BIG raise in January and it will most definitely be WELCOME! We can finally start getting on our feet financially.
So yes, I am MORE than ready to be rid of 2009 once and for all and look forward to 2010 and everything it has to offer!
