The adjustment of working more hours.
Okay, so my hours are more like 11-5 (yesterday) or as for today, 11-2. I also haven’t seen that old movie Nine to Five in what now seems like forever, but hey, I like the song and this business of going to work every day makes me feel like I’m working 9-5. Lol.
My additional hours are still not set, and I doubt they ever really will be. Fortunately, it isn’t an on-call type of position, so I do still have some flexibility. The job calls for anywhere from 5-20 hours per week, which makes it a perfect addition to the very part-time hours I was already working. Keep in mind that I do still work my side business and work full-time for a couple of months during the Summer at my seasonal job. I still need to figure out the logistics of next Summer but will cross that bridge when I come to it. For now, I am happy with more money for snowballing our debt!
Hubs is currently visiting his 90-year-old mother. She has had a “revolving door relationship” with the hospital for far too many years. Probably not a good time to think about money, but ugh, we really can’t afford for Hubs to be taking any additional extra time off. Hopefully, this won’t keep him off work too long. One can only keep pulling so many tricks out a hat.
The other day I was talking to a good friend about debt. She and her hubby are also on the same journey, so she understands our struggle. Impressively she is under the $4K mark (except for their house) and will be tasting debt-freedom very soon. We talked a lot about goals and our budgets, including what we are saving for and the order of our snowballs. She recommended that Hubs and I not only work on saving for our upcoming roof repair but also continue snowballing our lowest debt. She feels a win would do Hubs and I some good. I am giving this a lot of thought as I think she may very well be right. With December’s budget being pretty much a bust at this point, we wouldn’t be able to do this until January. I’m not yet sure on how much we could snowball, but I do like the idea of paying off a little extra on our lowest debt. What do you think? Good idea, bad idea or…?
Oh, while I have it on the brain, I do want to note that with my additional hours I am adding $200/month to my retirement. The increase is in addition to the 6% I currently contribute. I also receive a 6% match. I realize it might not be the Dave Ramsey way (he recommends stopping all retirement while paying off debt) but it is something Hubs and I felt we should continue. Even with the extra $200 taken out of my checks, with the additional hours I will still see a bigger check. My thought is that since I didn’t have that $200 before, I won’t miss it. Come the day I retire, however, I’ll be happy for the boost in our retirement accounts.
Now with Dolly Parton’s song in my head, I’m off to see if I can’t find that old Nine to Five movie on YouTube!