October 12th, 2005
|09:07 am - Money, ends, and justifying the meeting.|
I'm very amused today. I was looking at my finances, as I'm very likely to do every so often, and was surprised to see that, even though I've entirely cut back on purchases outside of groceries, gas, and about $15 of miscellanious items per week, I simply cannot make ends meet.
Now, it's not like I'm going to starve, or that I won't make all my payments. I'm just going back to eating a bit lighter, not dining out very often, and I may be making a few payments a few days late.
I'm still reeling financially from the change from monthly pay to bi-weekly pay back in May, as well as the increase in my housing costs that same month. I cut festivals out of my plans as things got tighter and stopped traveling. Next year, I'll be skipping a few festivals I attended this year, for sure.
I would be completely unable to go to Walking With Fire if I hadn't managed a loan for it. Fortunately, with tickets bought and paid for (and only one dinner owed to make up the last eleven dollars), I'm set on festivals for this year, and will have attended all the festivals that I felt were vital to making this a good festival year.
Now, I'm not complaining about my expenses. When you have a house payment, a car payment, and regular utilities, you need to be prepared for those things. Car insurance and regular maintenance come with owning a car (not having money for those things means you don't have money for a car). Pets come with yearly shots and vet visits as well as regular food (again, if you can't afford these, you shouldn't have an animal).
At this point, I haven't missed any payments because I've actually, surprisingly been that up on my budgeting and finances. And that's scary.
But by the end of the week, this situation is almost certain to have changed.
So I've been looking at second jobs, and thinking about what a second job would mean. I've listed out things that would probably be affected, and taken careful stock of them.
The Grove: This is my largest concern for obvious reasons. I've committed to two more years as a Senior Druid, and as long as I'm in that position, the Grove is my highest priority. Which means that I need to keep my Thursday nights free for business meetings and my Sundays free for rituals.
PSA: This is one night a week, so scheduling around it shouldn't be hard. Then again, I've been considering my involvement in the PSA. Much as I love it, it's running strong and hasn't needed me for a long time. Besides, I can always keep an eye on it via email.
My first job: My work for OIT can't suffer. Not one bit. Ohio State has been remarkably good to me in the long run, and I owe it to them to provide the same quality of work (if not better) as I do now. Low morale is no excuse for poor performance.
My social life: Esh, I couldn't fuckin' care less. Being single has some serious advantages when it comes to time.
My health: again, esh. Whatever. I got better things to do than worry about that.
In general, I'm looking at things that take little to no previous skill: stocking items at a lumber yard or home improvement store (always good exercise), working fast food (good for practicing simple addition and subtraction), or maybe amature night at the local male strip club.
Hell, I might be joking about that last one.
But something has to give, and it appears that it's going to be me :) One of those things that just has to be done, I suppose.
And yes, I'm also looking for a job that pays better. This needs a much faster solution, though. I'm not officially decided on getting a second job. . . but my situation may decide I need to for me.
If we couldn't laugh we would all go insane
Current Mood: busy
Current Music: "Spending Money", -JB
|Date:||October 12th, 2005 01:48 pm (UTC)|| |
Yeah. I agree on all counts. Biweekly has hamstrung me badly... You can now find me bartending at Suzi-Que's on Saturdays. :| My goal is to finally pay off the vehicle and go from there.
*nods* It's been difficult, recently. Raises helped remarkably little, really. I was a bit surprised.
Not that I ever expect to get a decent raise from OIT.
Bartending is a possible option, but I'm not so great with alcohol :)
Be careful what second job you choose . . . I worked at JoAnn's part time while working full time and OSu and spent most of my JoAnn's paycheck at JoAnn's. So while I would normally say get a second job somewhere fun that you like to work at, be careful you don't like it too much. Also, consider the discount . . . If you do a lot of household shopping at Target or KMart, a job there could get you additional savings. Unfortunately I don't think grocery stores give employee discounts . . .
*nods* With the amount of work that's been on the back burner around my house, home improvement stores look good.
Of course, I'm also in desperate need of gaining ten pounds, so free meals at Wendy's would be remarkably helpful, too.
Believe me, I'm strongly considering certain advantages :)
I somehow figured that most people would understand money problems :)
Being waitstaff isn't something I think I could do, though. I get kicked around enough in my current job that having a second one where my job was to be underpaid and dependent on other's good will (i.e. tips) doesn't appeal to me. While I tip very well (usually around 20%), I know I'm the exception, not the rule.
Rice is a great idea when you need to eat cheaply. It's variable enough that you can avoid getting sick of it, too. I have a good recipe for Thai 'Fragrant Brown Rice' around somewhere. If you want, I could send it to you.
Appreciate it, but I think that rice is, simply put, the most disgusting food humans consume as a "staple". I'm currently working off mac and cheese and ramen, actually. Works nicely. Sometimes spaghetti. Lots of bread and certain fruits, as well.
I do eat rice on occasion, but only when it's covered in meat, or in meat-taste.
You know, you do seem to spend an amazing amount of money on your friends. Didn't you just spend a ton sending out sweet packages, for example? See, the problem is you're nice! And generous! And not miserly enough! Maybe you should cut back on spoiling us kids for a while until you are all taken care of. Seriously, you being able to eat and pay the bills is most important. You'll just have to make up for it later (hehe, jk.)
As for a second job, hmmmm. You'd do well at Greif with all the computer stuff, but as it is annoyingly far away and the same hours as your other job, no can do. Besides, I don't know that they'd let you work from home sometimes as they do me. :\
Have you thought about making your other job somewhere on campus? See, I don't know pay ranges, but it could save you a lot on gas and you could not waste time driving to and fro if you grabbed another job at OSU. Or I guess just somewhere nearby, there are a million places around.
As for stuff that's not close, well, could be better. Derno. I could definitely see a Home Depot being pretty good. Weifei works in the library; Anji works at the state house; Ashley works at an Olive Garden and pretty much makes a killing. If that doesn't bother you, you should try it... Seeing as you're a.... what's that word...? HOTTIE!... you could make a lot waiting tables as well. That's the job I'd most likely pick up if interning wasn't enough. Which it probably won't be come winter, eep. Or then, there's always maintenance and things.
*nods* Yet I budget all that beforehand. The packages have been in the budget for weeks. In those cases, I'm spending cash that's been saved up from that $15/week.
No, none of my friends would do such a thing.
Ohio just HAS to have male strip clubs!!! Yeah baby yeah!
There's one less than a mile from campus. . . :)
My understanding, though, is that the pay really isn't very good at that place, at all.
crap, that reminds me, i forgot to give you some money for the book-package today. craptastic.
let me know how much the package is going to end up being and i'll pay part of it...
maybe you could look at something like osu student safety that you can do evenings and weekends on? i dunno.
No worries. I'll let you know.
I'm rather impressed and somewhat envious of your finacial responsibility.
I get by with finaces, but, far be it from being the result of being responsible. Granted I'm more responisbble than some people and far better than my mother, comparisons arn't always the best veiw to take.
I've had 2nd and 3rd jobs better. It can wear you down if you outdo it.
DO try to keep an eye on that one. You can't work at all if you get to sick.
Well, all the responsibility in the world hasn't helped, not really :) Just delayed the inevitable.
As for my health, well, that's what sick days are for.
It shuffled my pay by two weeks. In other words, I worked for the first two weeks of the month, and got paid for those two weeks at the end of the month.
As I look at it now, it's like I didn't get paid for 1/2 a month of work.
I'll make it up in the end, yes. . . but not until I've quit working and have another job, technically.
I've been 1/2 a month behind since May, when the changeover occurred. I was very fortunate to have enough warning that I was able to save for two months ahead of time, but it really wasn't enough.
oh dear, is Trillium getting axed off your festival A-list.
I could almost feel bad asking since I skipped Summerlands for pretty much exactly the reasons you outline (have had to pick up extra nights of teaching...blegh).
But, I've already packed the parrots for Trillium...
I haven't decided what to axe. Honestly, Trillium is one of those that I really, really, really want to go to. Actually, I really want to go to them all. It's just. . . difficult.
Even Summerland isn't safe. I may have to make determinations based entirely on festival fees, how much it costs to get there, and whether I can get comped in by presenting.
Fortunately, though, Trillium has a big thing going for it: it's the cheapest festival of the entire year.