16. I Was Laid Off…

Really. I was. I have been struggling not to take it personally, mainly because I put a lot into the company I worked for. I was told regularly how much of an impact I made and the Team I built was solid and engaged. When I take a step back, I do understand the business decision.

I wasn’t the only one to be laid off either but thankfully I was on contract. Although I won’t be working, I will still be financially stable for a time thanks to my severance agreement.

I plan on taking a little time to breathe then some more time to figure out what I really want to do next. Will I start my own business? Will I turn a hobby into a career? Will I jump back in to the workforce? I’m not sure but I’m excited to figure it out.

On to the next chapter…

15. I’m Back!

Written April 15 but not posted:

I’m back from maternity leave and back at work! There’s been so much going on that this blog was set on the back burner, but now I need to catch everyone up.

In addition to a new baby, we also MOVED! The goal was to downsize to save in rent and utilities and we accomplished that. I think it’s fair to present out new listing of bills as they stand now. We surely have more money each month ($1,210) to pay down our remaining debt.

Monthly Expenses April 2019

Here’s a glimpse at our debt today:

Debt April 2019

Over 5 months, we have made GREAT progress. As I mentioned…this was written in April, and since then we’ve had a new life event. I’ll post the details this week (week of May 12). Until then, Happy Mother’s Day to all the Mother’s out there!

12. Payday!

I feel like we’re in a rut! Not much debt payoff progress these last two weeks. This may just be a bit of my impatience with the process. Anywho..time to pay bills.

According to my “Bills Budget,” this period’s paycheck covers the expenses below:

billsbudget2.1

After paying these bills, what is left from our pay is $1,635. We are taking $800 for groceries, gasoline, needs for the kids and other things we may need for the family over the next two weeks. The remaining $835 is going toward paying down Credit Card 2.

Since last payday, our debt has gone down only $464 (sad face), but next pay period we will have more to pay towards debt given the bills we pay from that check are lower. Once I get over this impatience, I’ll be able to focus again on the overall progress we have made and remain confident that we are moving steadily toward our goals

That’s all this week. Thanks for reading and the support. Also, follow me on Instagram @financially_me. Take care and share!

8. My Financial Advisor – the Cheerleader

I recently had an update call with my Financial Advisor and let me say I left that call in SUCH a great mood. I updated him on the progress we had made and he just genuinely ¬†expressed how happy he was that we stuck with the commitments we made. I think for my family, its important to have someone we can talk to about our plans and seek advice, even if that advice isn’t necessarily profitable for the Advisor at that point in time.

Let me tell you, talking through the items crossed off The Plan and being congratulated for each just felt good. I like a pat on the back from time to time!

financial advisor