there is just so much in my mind today I feel like I cannot breathe. I cannot wait for tonight to be over. I am starting my weekend tomorrow!!!
I have been venting to my bestfriend, Erica, and today she sent me a nice email and she added a quote that says:
“Find a job that you like and you never have to work again”
I read that quote over and over and over again. I loved it. It gives me encouragement. Thank you Erica.
After 6 months hiding my regret for taking a supposedly higher-level job without taking a single raise, I decided to apply for a different position at work. A position with more flexible work hours. Something regular. A Monday to Friday job. Unlike what I am doing now.
I’ve had enough.
I still cannot believe I actually agreed to take the job without any pay raise. I have to do more harder works and no extra compensation. For months I tried to convince myself. But instead, I feel like I have been lying to myself. Who am I kidding. I am not happy. I refuse to live my life like this. I don’t want to do the thing I do not enjoy.
I’ve been having headaches for the last 2 days just thinking about this.
This time, I feel so right about applying for the other position.
This is awful.
I miss my family so much. We live thousand miles apart. They are in a different country and I am all alone (well, except with my husband) in this country. I just finished chatting with them on Yahoo. They updated me on what is going on in my family.
Oh I miss them.
First of all, thank you for Taxpayer Joe for posting a message regarding my previous post. As recommended, I am posting my newly revised budget.
Monthly Take-home income (me; 30 y.o): $3300 ($63750/year–>this does not include one-time bonus 30% of my salary paid each March)
Monthly Take-home income (husband; 27 y.o): $1700 ($27000/year)
TOTAL GROSS INCOME: $90,750
| Mortgage | 1290 |
| Foods | 300 |
| Gas | 200 |
| Pets | 100 |
| Utilities | 175 |
| Car (two) | 625 |
| Insurance | 130 |
| Internet | 35 |
| Phone | 50 |
| Storage | 95 |
| Misc | 200 |
| CC/debts | 1000 |
| Saving | 800 |
| TOTAL | 5000 |
| Debt Husband | ||
| Capital One | $1,582.04 | 16.93% |
| MBNA | $3,851.63 | 21.99% |
| GMCard | $7,175.24 | 11.49% |
| Discover | $2,249.21 | 28.99% |
| Chase | $7,000.00 | 2.99% |
| Disney | $1,525.71 | 25% |
| TOTAL | $23,383.83 | |
| Debt Me | ||
| Chase | $4,100 | 29% |
| Debt 2 CARS | $27,000 | 6% |
| TOTAL | $54,483.83 |
MORTGAGE $145,000 (7% 30 years fixed).
Retirement saving $32,000
EF $6000 (earning 3%)
I am SO freaking out.
Please anyone give me advice on how to better manage my money. My husband and I would like to pay off the debts in 2-3 years (except mortgage). Is this possible? Should I pad my EF again? I’d like to get the EF to $12,000 by the end the year–I am not sure how long I want to stay at my company. Is this a good move? Thanks for the advice.
I *think* I have a pretty stable job (my husband too but he makes about 50% less than me) but I am freaking out right now. My office has 2 branches and they decided to merge these two offices which resulting in job reduction. My position is not affected but there are so many changes in the office right now and it is freaking me out.
Prices of everything are going up. Driving me insane. I already cook at home a lot but now instead of paying $50/week for grocery I have to pay $75 for the same things. Gas prices are out of control I don’t even know where to begin.
I have a retirement saving ($32,000) and we have $6000 saved as of EF (goal is $36,000). After all of this, we still have a left over of $1800 each month but we’re on huge debt reduction mode as well so $1000 is allocated for debt reduction and $800 goes toward EF/savings. We need to open and IRA account for my husband.
I am freaking out.
I posted my resume on Monster again. Last time I looked for new job was about 2-3 years ago. If I can find something that pays more than what I am making right now, I’d go for it. If not, I’ll stick around at my current job I guess–although I am not that happy there. I’ll wait until bonus time next year, which is in March 2009. Then I will make further decision. I really would like to start my own business with my younger sister. We’re working on that right now. My goal is to have it launched by 2010. I want to open my own clothing boutique.
Random thought. I think my husband is expecting a pay raise this June or July. I hope he is getting $100 – $200 pay raise per month. That would be good. And I am thinking of getting a part time job too just to give $100 – 200 extra income per month. That would cover the gas expenses in my household.
I am so confused right now. Don’t know what to do.
I waited 8 years since I arrived in this country to see them alive in America. My dream is about to come true. New Kids on The Block is reuniting!!!!!!!!!! and they will go on tour this year. I saw their first reunion show today on the Today show. It was awesome. They got the right stuff. They sang 2 full songs and 1 medley: Summertime, which is their newest single and Tonight, one of their old songs. The medley they sang was consisted of Step By Step, Please Don’t Go Girl, and I forget the other one. I watched it on my bed and when the second song, Tonight, was sung, I had tears rolling down my cheeks.
For tour dates check out www.NKOTB.com
I want to go to their concerts in Tampa, Ft. Lauderdale, and maybe one in Jersey or NYC. Awesome. Can’t wait.
I love NKOTB forever!!!!!!!
New Kids you rocked!!!!!!!!!!
Oh how I love New York City….
My husband and I went to NYC this past February. It was cold but that didn’t deter us from having fun. We both had SO much fun. It was one of the most fun vacation we both had ever had together. We went to the Spice Girls concert, we toured the city, we visited great food places, and we did a lot of other fun things in the city.
I was looking at the pictures we took from the vacation and now I miss NYC!!! I want to visit NYC again… I wish I could move up there. I’d love to work in the city. It must be really expensive to live in the city. Well. It’s just a thought. If job opportunity comes, I’d move to NYC in a heartbeat.
I emailed home to tell the story of my car.
Mom called the next morning to tell me she is transfering $15,000 into my account. She asked me to get another car that is more reliable and NOT Ford.
I am thinking of getting an Audi or a BMW. I’d like a Mercedes but they cost more I think. My husband does not care about cars so he doesn’t care what I am getting. Although he is pushing me toward a Honda or Toyota. Why does everyone think a Honda or a Toyota is cheaper than a BMW? Have you checked car prices lately? a 2006 Honda Accord costs exactly, if not more, than a 2006 BMW. Yet everyone thinks a BMW costs more than a Honda.
When I told the story about my car to everyone at work, they said to me: oh get a Honda Civic or Accord. I said yeah that’s a good choice. I drove a Honda Accord when I was in college. It was a nice car. Very, very reliable. Don’t think I ever had a serious problem with it. Well, of course my parents bought the car brand new so that would make a huge difference I guess than buying a used one.
My dad owned a brand new 3 series BMW a while back. He loved it. I tried to convince him to give me the car he said no. He bought me an Accord instead. My family loves Honda. They can afford any car they want but they always opt to buying a Honda. My mom said she just bought a CRV not long ago. I am not too crazy about Honda CRV. It’s nice but I don’t want one right now.
My heart is set on a European-made car right now. My husband is probably going to think I am crazy. And everyone else too.
Husband and I went to Carmax yesterday early evening to see cars. And I kept on telling him I want a BMW and he thought I was kidding. Yes of course, this was before my mom called me this morning. And now I don’t think he thinks I am joking anymore when I said I wanted a BMW.
Life is short. Aahhh might as well splurge a little.
My mom is the absolute best. I love her SOOOOOOOOOOOOOOOOOOOOOOOO much. She is the most generous person I’ve ever known in my whole life. I have never met anyone as generous as my mom. Everytime I asked her help with money, she’d send it right away. She is so wealthy and I AM NOT!!!!!!!!! Drives me crazy sometimes. But it does give me a peace of mind sometimes, I admit it. I know that if anything goes wrong, there is my mom that I can count on. This makes me sound so not independent doesn’t it? I love my mom.
My mom does not know about this blog but you know what mom, I want to tell the world that I love you so very, very much. You are the best thing God ever created in my life. We might live far away from one another but I hold you dear in my heart. I love you Mom.
