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Trying to stay away from debtAmber's Personal Finance Blog
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Hanging In There

March 30th, 2020 at 04:23 pm

Pray for me

Wrong Just Wrong

March 30th, 2020 at 11:54 am

I can’t understand why we are not cutting non-essential contractors before we lay off staff.

I’m really upset with this. We’re paying a cleaning crew six figures to clean, that doesn’t even show up, or when the do, don’t clean. This was way before COVID-19. Cleaning crew owned by board member, conflict of interest no🤷🏾‍♀️ especially if their services is more costly and ineffective.

We’re paying someone to clean the buses that aren’t running, and we have bus drivers who do it anyway, well before COVID-19..

Wrong wrong wrong

Student Loans vs Everything Else

March 28th, 2020 at 01:12 pm

Hi all

So student loan interest has stopped for six months.

I’m debating on stopping my loan payments for the six months as well and going full ham on the principal of one of my loans.

What I mean is, my payments are income driven, one is $69 the other is $99. If I stop the payments, I can take any extra money I have, plus what I would have been paying and dumping it on the lowest balance. I can also, take the stimulus check and throw at it.

If I stick to the plan, I can dump approximately $6,000 by December to the principal of the loan. This is about $2,000 less than the interest accumulated. This would mean though, not paying extra on CC10. Interest on these loans is about $200 a month 🙄🤦🏽‍♀️.

Or I can stop the payments, pay off CC10 I’d say by June/July and then tackle the student loan paying approximately half of what I estimated above.

I also decided not to refinance the house, I pay an extra $100 a month anyway. This extra $100 is not negotiable unless something happens like job loss. Given my position this is not something I’m overly concerned with. Thank God.

Just wanted your thoughts.
Oops my only debt is the mortgage, student loans and 1 credit card.

Home Refinancing

March 27th, 2020 at 07:15 am

I’m considering refinancing my house. It appears as though I can get it down by two percentage points.

One thing I can’t stand and that is feeling rushed. I keep getting the send this by this time and that time etc. Well the broker sends me the documents at about 9 pm last night, tells me to review and sign by 10 am. Wtf I work.

She tells me in the email, I’m getting a $2,000 refund or I can use the money to buy down my interest. I’m excited about the refund but wondering why. I glance through the documents and notice the loan amount is rounded up. I think nothing of it, put it in my list of questions.

Now it’s 3am I’m up and I have an ah ha moment, so I think. I’m thinking the loan balance is about $18,000 so it’s rounded up and figured that’s where the $20k came from.

Well that can’t be it, I checked and the balance is actually less than $110k. Now I’m wondering if it’s worth the refi if I’m paying extra on the principal anyway. I don’t want a refund, I want to finance the balance, $110k, at a lower interest rate.

I’ll review the documents in detail and get my questions together. I refuse to be rushed through this process.

My Advice To Employers

March 26th, 2020 at 12:44 am

Having worked in HR for many years, coupled with a MS in HR management, and HR designations that keeps me abreast of new laws, guidelines etc. I highly recommend that employers follow the guidelines coming down the pipe from DOL, OSHA , EEOC and other agencies. Unhappy employees equals, more complaints that equals if you’re not doing your due diligence lawsuits, hence huge pay outs.


Trust me on this.

Covid-19 Update

March 20th, 2020 at 08:20 pm


So prior to the new e-FMLA I made a recommendation to open our schools to staff. That request was denied, citing, we can’t pay employees. Well post e-FMLA, I mention that staff will now be able to take leave, non-paid, when it comes to child care, and we must restore the position. Now leadership says it’s okay to open the school but the employee must pay. 🙄🤦🏽‍♀️

I realize that the company I work with, definitely doesn’t consider/care for their staff. It’s awful. I had my feelings, but everything has come full circle.

One question, I’m definitely asking employers when I get to the point of interviewing, how did they respond, pre, during and post COVID-19? Awful just awful

I made a request to temporarily suspend the wait period for STD when it applies to COVID-19, was told no.
I’m so disappointed

This Is Crazy

March 20th, 2020 at 02:42 am


So we had our leadership meeting, we all report updates based on our department. Things are changing daily on the HR side. As you know the FMLA law was updated, I’m to report those areas that impact us the most, I’m told not to report. WTF!

I’m so disappointed in our response to the virus. It’s the lack of being educated, running by the seat of our pants. The organization doesn’t even have a legal team, that I’ve been asking for, since I started. Decisions are being made without counsel.

Sad, just sad

Pissed!

March 18th, 2020 at 07:51 am


I ell these last few weeks have been extremely exhausting for me.

First my mom hit me for $1500 that I totally forgot about, significantly reducing my EF. I’d borrow the money from her about five years ago. I tried paying her back and she wouldn’t take the money. Honestly I forgot about it, well she asked for it. Was I annoyed? Absolutely but I owe it and I’m done with it. She was upset because I took my $100 she owed me, for paying her cable bill. Either way, we’re done. I’m trying to hold on to my EF in case I’m laid off.

Next, I’m in HR. What I’ve found is that these managers do not adhere to the recommendations that I make. They’ll go to my boss, the CEO, get her confuse and convince her to go with their recommendations, that normally benefits themselves and their favorites.

Well yesterday, I had a manager insist on laying staff off. I’d advise her against it. The controller and I had worked out a few kinks and created a plan that could keep staff, all would receive their pay, and keep medical expenses at least a month. I’d given her a few options. She said she would speak to her direct report and call me back. Well the next call I get is the CEO decided to shut down two facilities, 40+ employees. I ask, when will this be done she says it’s already done. Being pissed is an understatement.

Well after she did this, she realized that the plan to pay her high income earner friends was no longer. 1.5 to 2 hours later, she’s on the phone telling her director staff to return to work. This is so unprofessional and unacceptable, I can just scream. We can’t do this to staff, given these times.

When I finally spoke to my CEO, she liked my recommendations and was told she was never provided my recommendation.

Stepping Out on Faith

March 1st, 2020 at 02:09 am

Happy Saturday everyone,

It’s the last Saturday of the month. I had so much I needed to do, but was feeling blah.

I needed to complete my taxes, wrap up the income driven plan application for my student loans, balance my checking accounts, review my cash envelopes, bill my client and update my March budget.

I got most things completed that were on the list. I decided since I have the side hustle, it might be best to let an accountant complete my taxes vs TurboTax.

Just a few updates
The scholarship dilemma, has been taken care of, the organization decided to keep their promise. However, I’ll no longer do any business with them after this.

SO finally came and removed all his remaining things from the house. He’s officially out. I’d been asking and not pushing him to get his things and finally, I just said screw it, come and get the rest of your belongings or I’m dumping them. He looks terrible, he’s lost a ton of weight. I’m sure the stress of the mother and the kid, he has to decide for himself how and when he’ll handle those things.

I’ve also been attending a ton of professional/networking events. With my education, credentials and experience there is no reason why I should be making less than 100k a year. I’ve been selling myself short, and doubting myself for too long. I’ve recently had renowned people in the industry share my name as the one to follow in HR. I feel like, I got this. My next role, must be closer to home at least, $100k

I’m stepping out on faith.

Humbled

February 23rd, 2020 at 10:11 pm

Outside of a little disappointment, this has been an amazing weekend.

First, I spent time with my sorority sisters, whom I love and adore. Then today, I had the opportunity to walk for an amazing cause MS. It was so special, a good friend, finally embraced his illness, I wanted to cry but held back for him.

This reminds me that life is short, and even though I’m on this journey to debt freedom, I do much to be thankful for.

Am I Wrong to Ask For My Money Back?

February 22nd, 2020 at 04:36 pm

‪I made a commitment to an organization to donate $500 last year, in honor of my dad for 2020.

I wanted the reward to be offered in his name. I’ve been speaking with the committee member and expressed my wishes, multiple times. Well I spoke with a member and reminded her this was what I wanted, last week. Today I get a call that it can’t be done, will I be wrong to ask for my money back? ‬

Please no judgement on why the $500 wasn’t paid towards debt. I love my dad, and really wanted to do something in honor of him.

Pay Day

February 21st, 2020 at 07:43 am

Made the adjustments on my W4, and added the $50 per pay date to my 401(k) vs my IRA. Once CC10 is gone, I’ll bump the dollar amount to a $100 contribution per pay check.

Today is pay day, I paid an extra $200 to CC10. Finally, this card is under the $5,000 mark. Next month, I’ll be able to drop an extra $1,000 on it.

This weekend, I’ll be finishing up my taxes, my refund is about $600, I’m okay with that. I was hoping to break even but hey it’s better than owing.

I did splurge a little on eating out this month, for some reason I just didn’t feel like cooking. It happens from time to time

Making Some Adjustments

February 15th, 2020 at 01:44 pm


Made some adjustments, I revised my W4 form and decided to have the contribution to my retirement, $100 a month, be pre-taxed and go to my 401(k) at work. This will reduce my taxable income. Hopefully, I’ll see the bump again in my take home pay. I’m scheduling a time to meet with the accountant.

I also decided with the extra $700 a month from the consulting gig, $100 will go towards the mortgage principal and $600 to the credit card. I really think in about 5-7 years I can be debt free, with everything, credit card, student loans, and home.

The money I save during the months, completing saving challenges will go towards my 50th birthday celebration, that way I’m still budgeting for paying off the student loans, credit cards, and they’ll be no new plan to save to another sinking fund, taking away from my debt reduction payment plan.

I’m part of a Facebook group that challenges you to reduce your spending each month. This month’s challenge is debt pay down. Anyone who pays down $200 in debt, will be entered into a drawing for a gift card of their choice. I’m on my way to about a $600 pay down.

The group also has a weather challenge for February. Basically each Wednesday you record your high and low, add the two together and save that amount. I move the decimal since 115 wouldn’t be doable, so I save $11.50. The cash comes from my cash envelopes. This challenge helps me to manage my cash envelopes, it’s my attempt to come in under budget in my envelopes.

Next week is pay day, I’ll be making an extra payment to the credit card, that will bring me under the $5,000 mark, I’m so excited. Fingers crossed that this card will be paid off by June and then it’s the student loans. I’m so excited

On a different note, my profession is HR. I’ve been slacking in the area of advancing my career. This year, I set a goal of attending one networking event, or training and to read one article a week, regarding the industry. Well last month’s event was great but this month’s was absolutely fabulous. I got to hear challenges that others are facing, and I realized I’m not alone. The round table was amazing. I’ve learned I’ve been settling, and I decided not anymore. I’m worth more, I will no longer let anyone tell me what I’m worth.

Annoyed

February 11th, 2020 at 11:24 am

Financial literacy is an ongoing process for me.

I use to consider myself a saver and a spender, I’ve gotten to the point where I am now more of a saver. I’ve always hated giving the government my money; however, I do understand that there are resources in that those funds could, well should, be used for. But to be hit with $200 less in my check, I am not happy. This really burns me. I’m not trying to make this post political by any means; however, those new tax laws are not beneficial to me, and I’m ticked off about it. Home interest deductions for some is no longer, and I’m one of them. Yes, I know pay the house off but I’m still ticked off. I can go through the list but won’t.

I’m still learning, so even though there isn’t a match with my employer, I’ll adjust my deductions to include 401(k) contributions, this should help, I think with my taxable income(reduction) vs transferring the money to the IRA.

I’m just annoyed, I feel like I work so hard and yet I’m still not educated enough. I want to scream, wages are at an all time low, though there’s jobs, and you’re taking my money.

Getting off my soapbox