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Archive for November, 2017

Happy Thanksgiving

November 23rd, 2017 at 02:54 am

I hope you all have a wonderful Thanksgiving. For the first time in a long time it is more than two or three of us. I am going to my oldest son's who is literally two parking lots away! My parents are coming up as well. Missing out on most of my family/friends for the holidays played a large role in moving back to Mi.

I am not planning on buying anything, but I may go to the mall just to see how chaotic it is tomorrow. I only have to deal with half the battle since I can walk to it.

Since my son and daughter-in-law are going shopping after dinner, we are eating fairly early. They are shopping tonight for a few hours while I watch the kids. Therefore, I better get moving and start peeling my potatoes!

Have a great day all!

Getting My Financial Act Together

November 7th, 2017 at 03:16 am

Now that I have started subbing, I can finally get my act together financially. Of course my income will still fluctuate, but I have more income overall. I based the budget on my regular bills and taxes. I did not include savings. I need $2100 to pay my bills and taxes (They take taxes for subbing, but I am an IC for all my other jobs). Beyond that, I am splitting the excess between an EF, an overhead account (for any additional taxes and summer when I am not subbing) and my IRA.

I figure my average income will be about $2800. This is low for my age and education. The long-term plan is to get certified in MI and obtain a full time position by next fall.

On a side note, I will get health insurance through the subbing agency (kicks in Jan. 1). It isn't wonderful, but it's something. It is also over three hundred dollars a month cheaper than anything I would get through the ACA. I will pay $110 a month for mostly preventative care coverage (part of the $2100 budget). I do have critical care insurance for $50 k as well I purchased on my own. I dropped the dental I had on my own. I am going to use the dental program at the community college. Cleanings and xrays are $25 total. Major work is $65. The subbing agency offers a 401 k, but there is no match. I am going to stick with my IRA.