Friday, July 25, 2008

gotta get in super saver mode

Things in life are not always easy and that really sucks sometimes. I have a huge decision to make, well I guess I've already made it, I'm not that happy with it, but oh well, ya gotta do what ya gotta do, sometimes you just got to suck it up and do what's probably better for your family. I finally made my decision about the job closer to home, if I get offered it, which I will find out today, I guess I'm going to turn it down. I tried to work the numbers last night and it's just not looking good. I would love to work so close to home and have more time with Abby, but if I want to be able to provide for Abby, it's just not going to be feasable at this time. The dreamer side of me says go for it! But the more realistic side says, if I'm barely making it with what I make now, I'm not going to be able to do it on $15 thousand less a year! I know if I want to be closer to home, I'm going to have to take a big cut in pay, but this was not only a cut in pay, but no benefits! yikes! I know I'm no where near retirement age, but it is something I have to think about now and where I am now, i've got retirement and 401 K, which I've been investing in for 8 years now. And i'm more of a live in the moment person, that rarely thinks about the future, but when you have a child, there are times when you have to think about the future. That's another thing Scott and I talked about was what if Abby needs braces or this or that, my insurance is much better than his and if I take a huge cut, we won't be able to afford them, because after my car payment, car insurance, and a few other bills, I won't have anything left! So I guess for now I'll keep plugging away where I am and see what happens. At this point, I'm secretly hoping the lady calls me today and says, "I'm sorry we offered the position to someone else" that way I don't have to say no! I know that's the easy way out, but oh well.
The other thing is, that if we can't afford (according to my husband) to have another baby on what we make now, there's no way we can afford another one, if I take that job. Now I have to start in super saver mode, if I want to go on vaca this year. Plus I need a nest egg just for me in case of emergencies! The whole money management thing, is a gene I didn't get from my Mama that I wish I would have! I swear that woman could live off of nothing and still manage to save money! I added up how much I spent on gas, eating out and hitting up the gas stations for cokes and junk, for a month, oh my gosh! It was almost $500!!!! CRAZY RIGHT??? Well in my defense, well over $300 was gas alone! And plus some of the eating out wasn't just me it was a few dinners for all of us, me, Scott & Abby. But the gross of it was eating out at work for lunch! I gotta stop doing that! But it's kinda hard, because come lunch time, I'm ready to get out of this office for a while and I get so tired of sandwiches and frozen dinners!!! Yuck! And I have a long drive home with nothing to drink, that's where the gas station comes in, you don't realize a $1.00 here or $2.00 there, really adds up!!! and it's not just me, Abby's always asking for something to drink or eat when I pick her up, so we'll run by the gas station and grab a coke and a bag of chips or crackers, cause by the time we get home and get dinner cooked it's usually 7:00 or later! Oh well, gotta get in super saver mode and maybe then I can get some things payed off, save some money, have another baby and get a job close to home! That's a whole lotta saving to do!!!! Any tips????

No comments: