Category Archives: Finances

It Was Beginning to Look a lot Like Unemployment

Holy Bejeebus, it’s been a rough few months. There was the wedding and finally being able to relax a little bit, but of course life kicks you right in the lady balls when you least expect. Darrick’s grandmother passed away right as I was transferred into a different department at work and he developed a sore in his foot (one of the most dangerous things for a diabetic) right within a few days’ span. When he finally notice something was wrong, he already had angry red spikes going almost up to his knee.

Darrick spent a few days in the hospital getting pumped full of antibiotics and wearing special leg booties that squeezed at intervals to encourage increased blood flow, then was released just in time for trick or treat. He’s been put off of work ever since because he can’t stand eight hours on an open wound.

Finances have been tight, but we are making it thus far. Unfortunately, being transfered at work for me was incredibly hard on me. A few months back they had asked me if I would be interested, but I wasn’t. Shipping is easily one of the most stressful areas of the place and will eat your life if you let it. I didn’t want to work all of those hours! Not with my two young girls. But then they cut my materials planning job, so it was either make the move or be without a job for the holidays.

And when you put it that way…

But oh, it’s been rough. You’re thrown in the fire and trying to figure it out. Every customer wants shipments made in a particular way with particular paperwork done and sometimes sent to particular people. Don’t get me started on overseas shipments! The whole department was dropping balls left and right while we juggled around each other trying to figure out our places. I was so stressed I had trouble eating and sleeping and just existed in a state of anxious, balled-up nerves, only to be told I should know more and be better at my job.

I almost walked out twice. The only thing that kept me there was being the only working parent at this time, and even then it was a close call. Darrick actually sat me down one night and told me how this job was affecting our family. My four-year-old said I never come home before bedtime, I would snap at my ten-year-old to the point she felt lile she couldn’t talk to me, and I didn’t laugh or make jokes anymore. All I would do is come home, eat, and go to sleep.

I refuse to be that person anymore. Family is my number one priority. I’ll work in McDonald’s 50 hours if I have to if it means we’re happier. I don’t care.

It flipped a switch for me, really. I had been so terrified of doing something wrong at work that I was afraid to do anything at all. So I just dove in. I restructured my tasks throughout the day and I’m leaving as close to my 8 hours as possible now. I’m doing my best, and if it isn’t good enough, then that should tell them something because I am not a slacker and everyone around there knows that. I’ve never been one to shy away from difficult or overwhelming tasks, which is why I tend to get the crappier jobs no one has previously done correctly. Sucks for me, but ok.

Since I’ve made the changes in my attitude and restructured things, it seems to be doing a lot better. I hope it stays that way! 

E is for the Elephant in the Room

This is a little embarassing to admit to, but I have bad credit. Most of it stems from when I was right out if high school and just into college (hello, student loans), but I’ve continued to let it go on for a long time now. It seems like every time I start living beyond paycheck to paycheck, life kicks me in the teeth to remind me just who’s boss around here. For example, things were great with my littlest one’s dad when my student loans came due. I wasn’t worried at all…but then that blew up and I wound up completely heartbroken, living with my mother with a six-year-old and a six-month-old, and working about twenty hours a week as a waitress. It was one of the worst times of my life, and my credit was the very last thing on my mind.

I met Darrick, and it took months for me to even admit to myself how much I liked him. We moved in together over a year later and it took a while to find our groove (joint checking is hard, people!). We both got great jobs and started looking at our future and what we need to do to be able to get into our own house.

And then he started getting sick. His diabetes spun out of control, he started being in a lot of pain, and he was so ill that he lost over 150 pounds in less than a year. He missed a lot of work through that, and then his doctor out him off work while we try to figure out what’s going on with him.

Now we’re in a position where we know a lot of what he’s not sick with, but still don’t have a solid answer on a diagnosis and he’s out of time off. He’s about to return to work, and while I worry my head off about him and how he’s feeling, there’s no denying that we’ll be able to breathe much better financially. And now we can start looking forward to our future a littke more.

And that means getting our credit lined out. It’s scary and it’s going to take a lot of work, but I’ll be glad to get the ball rolling and watch my credit score climb. And hopefully in a year or maybe two, we’ll be able to purchase our own home.

I just wish I had some idea of what I’m doing when I’m trying to fix all this mess! Lol. Everyone has different advice and sorting through it all is tricky, dang it.