When I got home Friday, payday, I stuck the figures in front of my face to pay the bills and the results were a bloodbath.
Assets = $41,462
Debts = $153,111
Net Worth = -$111,649
The one piece of good news I had was my Direct Loan consolidation package came through and my repayments are now based on my income. And I still don’t have enough income for that. *headdesk*
Faced with the ugly truth, I filled out an online application for the Convergys call center again. It’s a full-time position, just like the one that sent me into sleep deprivation back in 2003. This time I will insist on a saner schedule (I’ll work all Sundays without arguments if I can set Fridays and Saturdays as my days off to sleep. Heck, Friday is even negotiable, how about Wednesdays and Saturdays?). And I will use vacation time to catch up on sleep. Because all my spreadsheet calculations done on Saturday have convinced me it will take longer than four months to accomplish the four goals I came up with.
Second Job Goals
- Service car
- $1000 Emergency Fund (849.77 to go)
- Debt snowball and pay off my highest interest rate debts and everything I owe to Mom, Dad, and Uncle Scott
- New temporary roof
Now I’m going to go work on some fiction while I still have time to do that.