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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

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.

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

Shopped My Closet

January 26th, 2020 at 01:33 pm


My glasses and contacts were $340, I had $230 in my HSA account. The difference for me to pay is $110. I’ve got to bump the dollar amount of my contributions.

Well I actually had selected enough but the payroll team keeps screwing up. I’ll reach out to the controller tomorrow. For some reason the amount is always less.

Last night I attended a dinner event, hosted by one of the fraternities. I’m so proud of myself because I shopped my closet vs going out and buying something. The old me would have bought a new outfit for the event.

Lastly, I completed day 26 of no dining out, feeling great!

Retiring this site

January 25th, 2020 at 05:08 pm

I think I’m ready to hang up the towel on this site.
Can’t post, comments, or pictures. It like every other month there is a problem

Laptop and Side Hustle

January 7th, 2020 at 04:07 am

The best thing I could have done was purchase a laptop for my side gig.

Sometimes sitting at my desk can be daunting.

I was able to knock out three policies, attendance, over time, and holiday pay, all while in the bed. I sent the company the new W4 for 2020, made the recommendation that staff completes the form (it’s not required), and provided a copy of the new Florida minimum wage poster to be placed in the break room.

I also sent reminders regarding items I’d sent out last week. I feel like I made progress.

Tomorrow I’ll log onto the desktop, it’s where my MSMoney is housed. I really wish I could get this thing on the laptop, but it’s discontinued. I use MSMoney to track my time and invoice the organization. I’ll have to note the hours spent creating policies.

In financial news, day 6th and I didn’t dine out. I did buy a red vase for the house,$10.68. It’s not a need but a want. I’m having a little buyers remorse and will more than likely return.

I’d signed up for Pandora music, free trial, and cancelled today. I really don’t listen to music where I should be paying for it. I’ll take the commercials.

Changing plans, dryer must go on hold. I’ve got to get the hurricane shutters for the house. Tomorrow I’ll check the city’s website for grants and get a few quotes. The shutters that I’m considering, I believe will be less than $2,000. Fingers crossed 🤞🏾.

Lastly, in fitness news, today make day six in that I got cardio in. I’m hoping I can continue with this.

Have a great night

Cash Back Rewards

January 5th, 2020 at 04:29 pm

Due to auto pay and using my credit card for gas, I earned $39 this month in cash back rewards.

What I did was, I signed up for autopay for variable expenses such as internet, and car insurance. I use the card to pay for gas, and before leaving the parking lot, I pay the bill. When I had the car emergency I used the card and paid it off the same day.

I’m excited about earning the extra cash and not having a balance, this is CC9. The cash back isn’t too bad. I’ll throw the cash back at CC10

Happy New Year 🍾🥂

January 1st, 2020 at 05:48 pm

Just wanted to wish the best financial blog group ever a very Happy New Year 🍾🥂

Merry Christmas 🎁🎄

December 25th, 2019 at 10:20 am

Merry Christmas everyone!

May your day be filled with joy.

Quick Update

December 21st, 2019 at 01:05 pm

Hi all
It’s been awhile but I’m still trucking along.

These last few weeks have been super busy. Work has been crazy, we have one manager that everyone and I do mean everyone struggles with, including the CEO, who needs to be fired. I’ve somewhat made the recommendation but my manager, CEO, is quite sensitive to this. The woman has worked with her for 25 years 🤦🏽‍♀️🙄. The position is a $110k + a year that actually can be eliminated.

My side hustle is going great, they’re actually looking to expand in 2020. I have a really strong feeling they’ll be offering me a full time gig. I’ve decided if I’m offered the position, I’d negotiate two days there a week with benefits for $65k a year and keep my current job negotiating $65K a year for three days. Fingers crossed.

On the money front, thank goodness I saved and paid cash for Christmas. I spent more than usual, for the family game night. Reason being is because this time it was all on me. Usually the SO chips in, but he didn’t as much as he usually do. I paid the server and the photographer and that’s usually him. I’m not upset, just glad I’d budgeted for it. The sinking funds really do help. I bought Christmas gifts for my staff, nephews, and paid for game night all with my Christmas sinking fund. Not to mention, no stress.

Today I’ll be reviewing my cash envelopes, and updating my budget for January

Consulting

December 1st, 2019 at 03:43 pm

December is here, I can’t believe it.

Yesterday was a relaxing day, with a little activity. I switched out my fall decor for the Christmas decor, I’ll be finishing up decorating my Christmas tree 🎄 today.
I also did a little holiday cleaning, have to finish this up today.
The red decor will stay up until Valentine’s Day.

This morning I finished up my monthly consulting report for my side hustle, and created the invoice. This month I’m billing for $1300, $400 will go towards the training and I will make a total of $900. This is an extra $100 on top of my normal consulting services. The trainer charged me $400, I charged $500. I’m also going to let the owners know, that I’m interested in other opportunities in case they know of any other small businesses that will be needing my services. I also told my friend who is an accountant, he’s the one who got me the gig.

I’ll say this, I’m glad I got the laptop for the side gig, it really helped me out today.

Later today, I’ll review my November budget.

Hope everyone enjoyed their holiday.

Friday Ramblings

November 29th, 2019 at 10:26 am

I’ve been wanting a laptop for personal use, then that want turned into a need when I got the consulting gig.

I went into Walmart today to get $5, Christmas PJs for my great nephews, a tradition, and a tv 📺 for my mom, she was to pay me back, I didn’t get the tv, Walmart was out. Well low and behold Walmart had a HP laptop 💻 for $149. I checked the specs and the reviews while in the store and they were pretty good, so I purchased it. I didn’t need anything fancy, just something I could take along, type notes, track things etc. This laptop will come in handy for my site visits to the facility for sure. I was told I could use this purchase as a business expense. I’ll have to check with the accountant since I’ll be using it for both personal and business, primarily business though. I’ll also have to adjust the budget, rather than paying $730 on the CC 💳, I’ll be paying $581, since I bought the laptop.

On a different note, yesterday was pay day 💰 I was surprised to see my money hit the bank on a holiday. I paid bills, the minimum on CC10, I’ll be adding the extra payment next week. I entered my student loan and car insurance payments into the registry, so that I have a better idea of my balance.

Things are a little crazy but hey, over all I had a good holiday.

Hope everyone had a great holiday.