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Showing posts with label student loans. Show all posts
Showing posts with label student loans. Show all posts

Monday, March 14, 2011

I am a... Receptionist/Dish Washer/Waitress/Cook/Fiance/Student.... and the list goes on...

So my first day at my third job (can I really call it a third job since its at the same sushi restuarant but just a different title?) didn't go too bad. I was WAY nervous and I did make some mistakes as was expected, nothing major just little things like forgetting to give them their little bowl to pour the soy sauce in and I was late bringing out a families miso soup.

Curtis and I went shopping the day before to get me another pair of black pants and some white button down shirts (the uniform required for the waitressing job). Now I am unfortunately (and I use that term lightly) top heavy so finding ANYTHING that is a button up and fits both my top and my waist is hard to come by. After going to 4 different locations we finally found a whopping TWO tops. Needless to say I will be going back out again after work today to see if I can find like one or two more because I know I am eventually going to stain those shirts badly. I have to say though it was very nice to not have to wash dishes. I helped prep food when I first got there and made some food for myself. They always feed us dinner which I think is very nice of them (and no its never sushi).

I also found out that instead of only getting $20 for the week that I am working I will be getting my regular salary of minimum wage plus 10% tips while training. And while that may sound sarcastic I am thrilled about it. It was a little hard watching the other server (who is an awesome guy) walk away with like $95 worth of tips and me with all of $11 in my hand but everyone has to pay their dues and after 7 days of training I will be making I believe it was 40% in tips. So either way I am a happy camper.

I'm working 7 days a week now. I don't know if they are going to want me to come in  as much as I am on the week of training but if so I am going to be one exhausted kitten. I will be making a decent amount of cash which is great but already not having my one day of the week, Sunday, to myself I felt I was a bit more grouchy then I needed to be to poor Curtis.

Speaking of Curtis, he and I start working together starting Friday... weee... He is still in pain from where they pulled the tooth which has me a little worried and he keeps getting headaches almost every day which REALLY has me worried. He says he is going to go get checked out by his doctor if he can schedule something for Friday morning but both of us are going to be so busy this week and the next couple of weeks that its going to require a LOT of time management to get everything we need done around the house, school and work without driving each other nuts in the mean time. So far he and I have had a very good way about doing this but with these extra jobs and finals are coming soon its really going to get piled on.

I think part of the reason I haven't actually gone partially crazy yet is because of the prozac. I don't know if it is keeping me happier or more calm or what but as long as I get one day off I seem to be okay. I'm hoping that if I do start working 7 days a week regularly my body and mind will just adjust and make it so it doesn't stress me out. I mean people all over the world work 7 days a week so I should be able to with no problem right?

Monday, January 31, 2011

Debt and Anxiety

This seems to keep happening to me at least once a week...

I sit down and start counting my nickles and dimes (okay mainly pennies) and it just doesn't add up. I have to pay off my two credit cards before Curtis no longer gets loans from school in which case he will have no way to pay for rent, I have to try and save $4,000-$5,000 for a wedding I would like to have sometime this year, and I need another $10,000 to fix curtis' teeth.

Now the credit cards aren't be cause I am some irresponsible slob, I owe about $9,500 total, one card was used to pay for things during my time in college and the other help pay for my gastric bypass. I have been paying slightly over the minimum on each since I have gotten the cards but stupid me keeps buying things here and there like gas for the car or a pizza. I think I am going to have to take the plunge and cut up both of the cards. Now if I continue making the same payments as I am now I will have both cards paid off in about 5 or so years... that is not in time before Curtis runs out of money. I am currently paying $160 a month on one card and $130 on another if I can reduce my monthly bill by 300 bucks I think I would be able to carry a small apartment for the both of us if Curtis can't find a full time job right away.

We are moving out of the apartments we are in at the beginning of October so yes we are WAYS off from that but I also know that Curtis has the rent paid up until that time.

So the goal is to find an apartment that can fit all of Curtis's stuff and my clothes and is in a somewhat decent neighborhood not too far away from his school or work (I work in Tampa so it doesn't much matter) all for around $650 bucks... Now I know I can get an apartment for that amount. I know I can get an apartment for that amount and have it be a good size, I am NOT sure if I can find an apartment (or house but that is pushing it) for that amount that size and in a good neighborhood. I know no matter what the apartments will not be as nice as the ones we are in now but I do NOT want to live in the ghetto. I don't want to live there because 1) its the ghetto and 2) I know I will just want to move again in a year which I really want to stop doing. (I moved almost every year since I've come down to Florida and I have been here since the 3rd grade).

Now the wedding is partially paid for, we have about $2,000 saved up, or we will by the end of this month. I applied to a telemarketing part-time position (YUCK) but I haven't heard back from them as of yet. So we will see if that pans out at all.

As far as Curtis' teeth go I think he will have to end up going to a dental school and have it done little by little because I just don't think I can handle getting into even more debt at this point.

If I could just get rid of my car too that would help. I have a 2010 Toyota Yaris that I am paying $280 a month on and another $172 for insurance.

There has got to be a way to do this I just need to figure it out. Until then my anxiety levels have been sky rocketing. I am not as sweet to  Curtis who doesn't deserve me being like that and I just overall feel depressed. Now this mood comes and goes but I am tired of it popping up almost once a week to two weeks. I just need to figure out how to make more money and make it VERY quickly. Or at least within the next few month.