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Been a while - update on me!

October 17th, 2015 at 08:32 pm

Hi everyone! I haven't been on in forever, looks like the boards have been pretty quiet.

You may remember that I was waiting to hear about job news last time I was on here. Well, I got a promotion to manager, with a 17% raise, which is awesome. I am at a different hospital, still part of my hospital system, but a larger facility which will give me wonderful experience and I am loving it.

However, they did not give me the head job like they basically told me they would. Instead, they hired someone at the Director level (we had never had a director level position in my department before) and she is a completely insane, rude, crazy bitch. We (my coworker and I) have already been in HR because she went off on my coworker for something she didn't do and was completely unprofessional and verbally abusive. She has made enemies all over the facility and everybody hates her. I can only hope that she won't last long. She's close to retirement, so maybe she'll hate working with us and just decide to retire.

Otherwise, I love my job itself, am still working my 2nd job, which I think I have about a year and a half left to do before all CC debt is paid off. I have most all of my CC debt transferred at interest rates of 4.99% or less so I can pay them off faster.

I'll try to check in more often, but am just plugging along trying to get stuff paid off!

Paid off my private student loan!

July 23rd, 2015 at 07:47 pm

One debt down, many more to go Smile But it feels good to have something paid off! It was a $2500 student loan at 4% interest and now it's gone. Next up is $4500 on my Discover card, which should be paid off in 3-4 months.

I'm supposed to interview for the permanent manager position next week, so hopefully there will be a big raise in my near future as well!

Updates on job, debt payoff, etc

July 9th, 2015 at 09:11 am

So I have been made the interim manager at my job, which came with a 5% pay raise. I will begin interviewing soon (I hope) for the permanent job and will then negotiate my permenent salary. The job is a lot more work than before, but I am loving it because I was bored to tears before!

As for debt payoff, I had been focusing only on credit cards for now, but decided to add in my smallest student loan (a private one) and our pop up camper. I had been trying to pay off the highest interest rate first, but have found myself losing steam since I wasn't paying anything off as quickly as I'd like. So I've gone back to the Dave Ramsey way of smallest balance first. My student loan will be paid off in another 2 weeks, then the next smallest credit card about 3 months after that. I feel like doing it this way will give me the motivation to keep at it. It is nice to know that I will soon (most likely) have some extra money due to the new job to put towards everything.

We had an unexpected mini vacation last weekend... my in laws had a beach house in North Carolina for the week, so we decided to join them from Friday to Monday. My kids had never swam in the ocean (we've only gone to the beach in the winter for a Christmas event) and they had a blast playing in the ocean and hanging out with their grandparents, aunt, uncles, and little cousin. The house was right on the ocean, and they didn't let us pay for a thing, except one grocery trip that my husband made and then we paid for his parents at the aquarium. All in all, we spent about $300 for everything, including gas to get there, which isn't bad for a family of 4 on a 4 day vacation!

We certainly could have used that money to put towards debt, but my brother in law is leaving for Marine Corp boot camp this weekend and sometimes you can't put a price on family time (especially when the price is pretty modest!)

Placed my first Zaycon chicken order this week to be picked up in November! $1.88/lb for 40 lbs of boneless skinless chicken breasts. The quality is supposed to be much better than the cheap store brand chicken that I can get for $1.99/lb so I am excited to try it! I'll have to make my deep freezer is relatively empty to make room for all of that chicken. I will be spending some time planning what meals to make with all of it! I plan on leaving some whole, cutting some up for chicken nuggets or stir fry, and who knows what else.

Hope everyone is having a wonderful summer!

Finally some job news!

June 5th, 2015 at 08:58 am

Well they officially asked me yesterday to be the interim manager for all 3 hospitals in my hospital system! I love the one I am at, and would have to move to the biggest of the 3 hospitals, which is a slightly farther commute. I figured out an alternate route which, according to Mapquest, is only about 2 minutes longer and avoids the toll, so hopefully that won't be too bad! It also comes with a 5% raise, that will turn into a lot more if I decide to take the position permanently.

They said they know I want to move up in my career, and they can't afford to lose me, so if I want to be the manager of all 3 hospitals, it's mine, and if I don't like, I can come back to my hospital and be the manager just over here.

I guess they really really like me! Smile

Paid off another CC!

May 20th, 2015 at 06:38 pm

I had a balance of $555 on a Chase card that had a 0% promo until next month, and I paid the whole thing off with the paycheck from my 2nd job today Smile Next card to tackle is my Discover card, balance of $4K at 3.99%. I should have that paid off in just over 3 months. Great motivation!

The waiting game

May 6th, 2015 at 08:59 am

So several weeks ago I heard about a manager position coming open at one of our sister hospitals. I am required, as in internal candidate, to tell my boss I am applying, so I did, and she passed it on to her superiors. As a result, they are working on changing the reporting structure of my position, making me a manager here (of myself, but hey, it's still a title!) and giving me a pay raise (no idea how much).

The position I am planning on applying for still hasn't been posted so there has been no progress there. I have no idea what's taking them so long. It would be a minimum of a $12K raise, and probably closer to $20K, realistically.

Then today my boss gave her notice. Now they REALLY need to keep me! We have 2 other people who started in September, neither of whom are board certified (I am). I was supposed to hear about the changes to my current position "early this week" and here we are on Wednesday, but that's probably good because now that my boss is leaving I'll have more negotiating power.

So no matter what happens, it will mean a promotion and more money for me, but I just don't know exactly what or when that will be! Hopefully it will be more money than I ever could have hoped for and I can get this CC debt paid off even faster!

Need job/pay advice

April 15th, 2015 at 11:15 am

Hi all! So I have some potential changes coming on the job front and I was just thrown a curveball. So my immediate supervisor is a lovely woman but kind of a train wreck, and the person our whole department now reports to is a raging bitch (pardon my french, haha). My plan had always been to stay here until my supervisor retires, and then apply for her position, but the way things are now, I wouldn't want it! I happen to know she has currently applied for another job and is waiting to hear back.

So there is now a manager opportunity in my field, head of a department of 4 people, with my same company but a different hospital (so all seniority, vacation time, 401K matching, etc would transfer), that will be posted any day now and I am going to apply for. There has been a lot of turnover there but I have heard things are getting a lot better (from the people I would be supervising).

So I went down today to tell the head of my hospital that I was going to apply for it. I don't report to her, so I didn't need let her know per policy, but I like and respect her and wanted her to hear it from me (someone else who works here is married to "raging bitch" boss and I don't trust him to keep his mouth shut after wife tells him at the dinner table tonight).

She told me that she has been pushing to have me report directly to her, and asked me if I would consider staying if it came with a title change (to manager) and a pay raise. I told her I would certainly consider it, but that it would need to happen fast because I expect this other opportunity to come fast (I've already spoken to the hiring manager and they seem to really want me to come work there). I'm not going to stay here on the promise that something will happen in the future that might never actually happen. She said she will go to our CEO today and tell her that they need to do whatever it takes to keep me here.

So bottom line is, I love my hospital, I love the person I would wind up reporting to, and I would most definitely stay if they made me a good offer.

So when they come to me and ask what it would take to make me stay, how much do I ask for?? I've use salary.com, payscale.com, and indeed.com, and I don't make anywhere near what those sites say I "should" be making. I have never found those sites to be all that accurate. My field is small and specialized so there's not a lot to go off of from online research. I was thinking that if I took the new manager position at the other hospital, I'd ask for about 10% more, but knowing my company they'd offer me a fair bit less than that.

Any advice from people who have been there? I've never been told "tell me what we need to give you to make you stay" before and I want to ask for as much as they might reasonably give me without looking crazy! Smile

Financial progress & where to sell a cell phone??

March 31st, 2015 at 09:34 am

So my husband got a company phone in January, and we finally decided to cancel his personal cell phone! he didn't like carrying 2 phones around and there's no reason for us to pay for his 2nd phone if we didn't need to. That will save us $50 a month, but of course we got hit with a $290 early termiantion fee. However, his phone was only 3 months old so I am selling thephone and we will break about even.

I have tried to sell it on Facebook groups, Craigslist, etc., in an attempt to avoid Ebay where they will take 10% of my money and then Paypal will take even more of what I have left... any suggestions?

When I googled different sites they all offered me about $210 for the phone, which it seems I can sell on Ebay for about $290 (minus all of the fees, but I would still come out with about $240 or so profit, almost enough to cover the termination fee).

We also refinanced my husband's truck and got a lower payment, so more to add to the snowball!

Selling gift cards on raise.com and other good things

March 20th, 2015 at 07:04 pm

Thank you creditcardfree!!! After seeing your post, I went on that site and listed a Macys gift card that had about $7 left on it, and 3 Starbucks gift cards that would have taken me years to go through. All in all, I made almost $30!

In other news, I had a set of my boys' Geotrax train tracks that I had been trying to sell for almost a year with no luck. Through a fitness group I belong to, I heard about a family whose mom just walked out on them and left the dad with 3 kids, 2 of which are boys who are 2 and 4 years old. he dad doesn't have a lot of money to buy any extras for them, and the mom has more or less disappeared. I arranged a drop off of clothes, diapers (don't know why they were still in the closet, my youngest has been potty trained for over a year!), and the set of train tracks to be brought to them. Giving those train tracks to kids who are going through what they've been through was far more satisfying than selling them for cash. I had never met this woman (a neighbor) in my life, and she cried and hugged me when she saw all the stuff I had for them. Sometimes money isn't everything!

Need to vent - DH not cooperating

March 19th, 2015 at 06:05 am

So we embarked on this debt payoff journey just over a year ago and have paid of $16K in credit card debt since (Still have $74K to go). I have 5 credit cards in my name and DH has 3. The vast majority of our balances are on my cards and he now has about $13K on his. So when I was setting up our debt avalanche, I asked him what his interest rates and balances were, and he was very wishy washy about it. Most of his balances are currently under various promo rates from doing balance transfers, and he assured me that they were all less than what my highest interest card was, so he has just kept paying the minimums on his cards while I throw all of our extra at my highest interest credit card.

Several times over the past 15 months, I have suggested to him that he let me take care of all of the credit card payments and he take over all of the monthly bills. See, we still have separate checking accounts and we each just have certain bills we're responsible for. We lived together before we were married and did it this way then, and have just always kept it that way because we were comfortable with it. We are both very responsible in terms of paying the bills, so neither of us ever worried that something wasn't getting paid or anything like that.

So anyway, we sold our kayaks yesterday and made $800. I took this opportunity to ask him AGAIN to please look up his balances and interest rates and let me make note of them so I can make sure we're attacking our cards in the proper order. I'm a bit type A (okay, more than a bit) and it has been driving me crazy that I don't have complete control over how much we're paying on what. He has been paying more than the minimums on cards with 3.99% interest rates when I would rather put that extra towards my 12.74% card. So anyway, he did check them, and it turns out that he has a $1200 balance on a card with a 15.49% interest rate!! I imeediately told him to take that $800 and pay that card, and on my next paycheck I would give him the balance to pay it off.

SEE!! This is why I want control over it! I am shocked that he didn't even realize what his interest rate was. Of course my obvious irritation with him turned into an argument, and now it's practically giving me heart palpitations to not be in charge of all the credit cards. I am hoping he'll give it some more thought today and realize that I am right and we should adjust the way we've done things for the last 13 years.

I'm so frustrated Frown

Haven't posted in ages...

March 1st, 2015 at 06:03 pm

I haven't posted any blogs in a long time. It's been quite a year so far.

Most recently, my grandma died on Friday and we're heading to NY for the wake and funeral on Tuesday. It'll be an added expense, but we knew it would be coming soon and deliberately didn't make plans to go to NY this summer because we knew we'd probably be making this trip. She was 88, had battled cancer for a very long time (12 years) and stopped chemo about 5 years ago. They told us 19 months ago that she had a week to live, so I am extremely grateful for all the extra time we had with her, and glad she is no longer in pain. Also tremendously sad, as we were very close.

In other life news, we just returned from a 10 day vacation to Disney World, almost entirely paid for by cashing in my vacation time from work. Could I have cashed it in and put it all towards my debt instead? Sure, but we decided to do this instead and it was worth it to us.

DH now has a company car and we are selling his pickup truck. We will probably make about $7000 profit on it (we owe $9K and it's worth $16-17K), and then save $400 a month in truck payments, $60 a month in insurance, and about $300 a year for personal property tax.

We are then debating between selling our popup camper, or putting a hitch on the minivan so we can tow it locally (which is where we do most of our camping anyway). The problem with selling the camper is that we are underwater on it, and while we could take the profit from the truck and pay off the camper and then sell it, I think it is better use of our money to put it towards the credit cards which have a higher interest rate. I'm not sure exactly what we'll decide to do there....

But we are still making good progress!

Sad start to 2015

January 14th, 2015 at 05:37 pm

On Monday, a high school classmate of mine lost her husband in a car accident on icy roads. He was 32 and they have an 8 month old baby. On the same day, there was a fire down the street from one of our family members, and a 12 year old and her grandmother passed away. Granddaughter ran back into the house to try and save her grandma, and the little girl's dad ran in after them to try and save his daughter and his mother. He's the only one who made it out. Today we had icy weather here, and my husband's coworker's father was killed in an accident. His truck slid off the icy road and it was 5 hours before anyone saw his truck down the embankment. Can't help but wonder if he could have been saved if he was found earlier. What a depressing start to 2015! I wish everyone a healthy and safe rest of the year!

Frugal date day with my 7 year old :)

January 10th, 2015 at 08:17 pm

I haven't had a day alone with my 7 year old son in a while, and the 3 year old had a birthday party to go to today, so hubby took the 3 year old to his party and I spent the day with my first baby Smile We went out to Chili's for lunch, and we have the Kids Dine Free membership (which you typically can get for about $10-15 for a 3 month membership) so his meal was free. They have tablets at all the tables now, and so being the technologically savvy child that he is, he grabbed it and started playing games. Well, apparently, they charge you $1.99 for playing games. We're used to going to Buffalo Wild Wings where their games are all free. He swears that there was nothing that told him it was going to cost money, and he is pretty responsible with those things (he learned his lesson after he charged up $45 in movies at a hotel a couple of years ago, which they graciously took off of our bill because they could see that we didn't actually watch the movies.) Anyway, I protested the charge and they took it off our bill.

So lunch cost us $14, then I had 2 free movie tickets from my MIL so we saw Annie, which didn't cost us a thing. I promised him that we could go to Sweet Frog for frozen yogurt after the movie if we didn't buy any popcorn or candy at the theater (their prices are nuts!) So movie cost nothing.

Then we went to Sweet Frog, for which he had a $5 gift certificate for some contest that his 2nd grade class won, so that cost us $0.67.

So 5 hours of fun with my sweet baby for $15 - I was pretty proud!

And my husband was left with the 3 year old who threw a temper tantrum at his friend's karate birthday party, wouldn't do any karate at the party place, and wouldn't even let go of his leg to go eat cake. I think I got the good child today Wink