Archive for the ‘finances’ Category

job fair tomorrow

February 2, 2008

The school district here has a job fair tomorrow morning. I could really use some positive thoughts and prayers for success in being considered and offered a job for next school year.

I also need prayers and positive thoughts for my fingerprints to hurry up and clear so I can substitute. I have had calls every day this week to work, but my paperwork hasn’t cleared, so I have had to turn them down. Talk about adding fuel to the stress fire.

We have had no luck getting DH’s order amended from the great cross-training fiasco and we are so broke I am not sure how we are going to pay daycare or get groceries for the next 2 weeks. At least if I know I have a job for the fall, I can find a way to make it through till August. Right now I am working every hour they will give me at Lowes, and my tutoring online, and am ready to sub as soon as my paperwork clears, trying to bring in enough money for us to eat. I know that sounds dramatic, but it is quite literally where we are at.  I don’t think we have ever been this bad off. I bawled all the way home from work tonight just thinking about how bad it is right now.

So if anyone has any extra prayers, and positive thoughts they can throw this way, I could sure use them.

Frustrated

February 1, 2008

I am frustrated…

Because my fingerprints so that I can sub have not come back, so at this point I can not even do the long term sub position I have already tentatively accepted for the end of the month.

Because while I had a few good feelers out this past weekend, for jobs for the fall, I have not heard back from them this week, including the one I felt the most positive about.

Because I didn’t even get a thanks but no thanks call or letter for the interview that I did a couple of weeks ago.

Because I feel like I am doing everything as far as bringing in money, and getting no help. I am back to working 3 jobs (almost if my fingerprints ever go through), all part time to try and make ends meet, and failing miserably.

Because it feels like the British one, and the retired one, do not realize that we need the rent money that they owe us to survive and pay our bills that we have here, and it took too many phone calls and text messages to count to get an answer about how they wanted to send us the money.

And with that being said that they do not realize that they are paying us under the going rate to rent our house. I did the research before I came up with an amount to charge them, I did not just say $(#&& off the top of my head, I researched by calling Realtors and  online to find out what was being charged in our town for a 4 bedroom 2 bath house, both with pets and without. In our neighborhood most 4 bedroom houses are going for $200-500 more than what we asked them for, without pets.

I just want to cry

Its been a few weeks

January 20, 2008

Since I posted here. Our financial situation has not gotten any better, but not for a lack of trying.

So far since the Move I have:

1. Signed up to substitute (just waiting on the paperwork to come back, they said it takes a week to ten days).

2. Bugged, pestered, annoyed the HR at the local Lowes to get my transfer done (start on Monday full time days for the next two weeks).

3. Had an interview at the school closest to us for a kindergarten position. Not sure how that will come out, since it has been since college that I taught that age group, but I did my darnedest to get the job.

Next up on the to do list:

1. Go to the Middle Georgia Teacher Fair on the 26th in Macon.

2. Go to the Houston County Teacher Fair on the 2nd of February.

The plan for Lowes and subbing (if I don’t get the teaching job, I am still praying and crossing my fingers) is that after this first two weeks, I will go to working Monday, Wednesday, and Friday nights, and weekends, leaving days available to sub. Tuesday and Thursday nights will then be open to do my online tutoring position.

If you want to follow our daily lives since I am bad about posting here, you can go to

http://scienceesl.blogspot.com

How we got where we are at part two

December 1, 2007

After we had lived here for about 6 months we decided that it was time to start looking into buying a house. The military affiliation that the Other Half is, has a regulation that states that they can not move you more than every 36 months, so we figured if we were here 12 months when we bought the house, we would have at least 24 in the house before we had to think about moving, and hopefully longer than that.

So we spent about six months looking at houses on the internet, researching mortgages, and looking at houses in the area (our lease was up after 1 year). Early summer we found THE house, figured out with housing allowance, and my paycheck that we could afford THE house, and worked with the mortgage company, the owner of the house, etc to buy the house. We signed on the house July 7th, 2006, Happy Anniversary to us (July 8th is our anniversary). We were so happy and excited. Everything was working out wonderfully, I had a job at an alternative school here in town, that was a short drive from our new house, and Other Half could drive the hybrid to work.

Then the US government decided that they had other plans. They decided that all of the people in Other Half’s job, the same rank as Other Half, with the same number of years in had to either cross train or get out of the military. They decided to tell all of them this, at the end of July. Yes, less than a month after we closed on the house. We still thought we would be ok because we were at first told that this job change would yes, affect us, but we would still be stationed here.   Not so much…

How we got where we are at part one

November 28, 2007

The story of how we got where we are at. I figure this is going to take several posts to write out.

We are a simple family, a military man and a teacher. Definately not two jobs that pay the best. But when we lived overseas we were doing ok. Not great mind you but we did ok. We had paid off almost all of our debt, and had money to play with. We still lived paycheck to paycheck, but that was because we didn’t plan ahead. Stupid, stupid, stupid. Some where in our minds we were not thinking that when we came back to the states that we would be taking a big pay cut.

Now I am not sure what gave us this idea, other than the fact that we didn’t really know anyone else that had come back to the states with the change in money situation that we would be facing, so we didn’t have anyone to “warn” us. We lost about half of the money in my other half’s paycheck, and we completely lost my paycheck.

What I mean by this is that I went from having a teaching job that paid about $53,000 a year (when you add in the extras that I did), to a job that paid about $32,000 a year. Plus I went from driving 6 miles to work (with driving off base to drop Little Man off at daycare), to driving 52 miles one way to work. I was dumb and I took the first job that was offered to me when we were coming back to the states, because I thought that I had to have a job. Between the drive and the fact that we had to purchase a new car to accomdate the drive we basically lost every dime I made. We did not realize how bad it was until it was too late to do anything about. I suppose I could have quit like some of my counterparts did that year, but I chose to stick it out. The school I taught at was one of the best in the area, but they had very high expectations of thier teachers, in what they expected us to wear (Calvin Kline was not dressy enough). I ended up buying a whole new wardrobe, because the clothing I owned from overseas was not good enough, and I was told this.

With my other half’s paycheck, when you live overseas you recieve a cost of living allowance, as well as some other allowances that you do not get when you are stationed overseas. We had come to depend on these allowances, which we should not have done. 

Needless to say we had a rude awakening when we realized how deep we were in.

Hello world!

November 27, 2007

What this is about…

 I have a blog on blogger.com that is about my family, that I tend to bring in the finances of our lives a little too much. I want to keep that blog more up beat. There are just certain things about our money situation that don’t need to be said over there.  So I don’t plan on being witty and funny on here, I just need a place to think and to talk about what is going on with our family money wise. I need a place to vent about where we are at, and to think about where we are going to go. I can not seem to talk to my other half about these things, because well he just doesn’t seem to see what the real problem is. He knows there is a problem, but he thinks it is my problem to fix, and not our problem to fix. So I need to use this place as a place to figure out where to go from here.