New Beginnings

Today is my last day at my job.  I have made the decision to go to another company.  The process is never fun, but I am excited for what Monday will bring.

Looking for a new job is exciting and stressful all at the same time.  The possibility of finding something better suited or with better benefits is always uplifting.  But trying to find the right match can sometimes be hard.

I remember job searching as a kid.  I would look in the local paper to see what is out there.  Yes, you heard that right, the paper.  There were no online sites to look up jobs.  You would heavily rely on the paper to find listings.  All that really mattered was the pay when you were 20.  If they offered insurance that was a plus.  I never paid attention to the premiums or out of pocket expenses.  To me, it was just what came out of my check every two weeks and how much my copay would be for my once a year doctor appointment.  Job searching when you are 33 is a whole new ball game.  First, where are they located?  You don’t want to drive too far, but some jobs seem to all be located over 20 miles away.   What are the hours?  Do you have to work late/overtime?  Do you want to be stuck in rush hour every day?  And this is the first time I have had to worry about will I make it to daycare in time for pick up every day including the winter months when it takes longer.  Factor in the benefit package.  How much vacation do they offer?  What are the insurance premiums?  What is the coverage and deductible/out of pocket expense?  How is the 401k plan?  How are the people?  Do I think I will be able to get along with the people and be happy there?  Let’s not forget the job itself.  Do I feel like I will be able to do the job and all the various tasks that come along with it?  So many factors to consider as I get older.  It sure makes my head spin some days.

After a lot of praying and many talks with Paul I do believe this change will be good.  I am excited to start this next chapter in my work career.  It has not fully sunk in yet that I will not be coming back to this desk.  To me, it will be hardest to leave the coworkers that I have grown with over the past 1.5 years of being here.

desk

Have a wonderful weekend!

Jen

Money Tree

Remember when you were a kid and your parents always said money doesn’t grow on trees?  I am in my thirty’s and I am still wishing we could have a money tree in our backyard.  If it is not one thing, it is another when it comes to money.

I have always stressed about money.  I have made so many budgets in my day but have always failed.  Well, I can tell you a budget will not work if you don’t even give it a try.  My poor husband has been along for the ride as I have made us try so many things.  Most of the time we didn’t have a budget.  We have tried writing down all our expenses for tracking.  We have tried the envelope system by using an app on our phones.  I have written down budgets and never enforced them.  We had Alex and now have a big hospital bill.  I decided we needed to try the envelope system again, but this time follow Dave Ramsey’s advise and use cash.  I left money in our account for our bills that I pay online.  I subtracted that from how much our paychecks were and then had Paul go to the bank.  Dave Ramsey says to allocate money into different categories.  We left it all in one big envelope.  The theory is that once the cash is gone, it’s gone.  There is no going to the bank to pull out more.  Let me tell you, this is the first time that a budget has worked and we have stuck to it for several months now.  It sure makes you think about your purchases when you literally see the cash disappear from the envelope.  I still want to track our purchases, so we get a receipt for everything and put it in the envelope.  At the end of the two weeks, I will enter it into an excel spreadsheet so we can still see where we are spending our money.

It has been so nice these past couple months.  I do not feel stressed about money nearly as much anymore.  I do not need to wait to pay a bill because that money has already been set aside for all the bills due for that paycheck.  We had car repairs this past month.  I normally would have been upset by having the added expense.  Because we have been so good at sticking to our budget we had the cash to pay for the repair.

Money is such a touchy subject for so many people.  What works for one person may not work for another.  Keep trying and searching for something until you can find something that works for your family.  Once you do you will be much more happy at being in control of your finances.  Make sure whatever you do, you set aside a little to have fun with.  You need to be able to reward yourself every once in a while.

Make today great!

Jen

 

This life of mine

Hello All!

My name is Jenni.  I am married and we have an 8 month old. Welcome to my adventure.

I work full time and come home to take care of our son and try to manage our household.  Becoming a mother has completely changed my life.  I will admit that I have had some post partum anxiety that still lingers.  That makes it hard for me to go out and do certain things.  I am working on getting over this hurdle. I celebrate my small victories and know in time it will get easier.

I am starting to do some of the hobbies I enjoyed before I got pregnant.  I try and workout every morning before work.  I have the urge to bake again.  And my newest love is sewing.  That was my form of nesting while I was pregnant and it has stuck around.  I am really enjoying being able to learn to make new things.  I am starting to look into quilting.  We will see how that project goes.

Come along with me in our new family adventure.  Let me tell you, it is not always unicorns and glitter.  But I wouldn’t change a thing.a