There are days where I consider getting an extra job. I have full-time work with the opportunity for overtime, but there’s not always work to do there and sometimes you just hit the point where you’ve been bashing your head against something for so long you can’t really do any more. A second job would have to be something mindless, something maybe physically taxing but not mentally taxing, since my current day-job takes pretty much all the mental energy I’ve got. Unfortunately, that would mean losing pretty much all of my writing time and energy.
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Saturday Morning Musing
You know what I’d love to do? I’d love to take a month off from work and all obligations so I could stock up on groceries and hide away in a cozy cabin on the side of a mountain somewhere. Set myself up with no obligations, no social media, and no schedule so I can just live for a month. Eat when I’m hungry, sleep when I’m tired, and just let my life drift into some kind of equilibrium. Rest up from the exhaustion of worrying about money, about my job, and all the anxieties of living in the modern world so I can figure out how much of my constant exhaustion is me wearing myself out with constantly working on stuff or not getting enough sleep and how much is from trying to cope in a world that seems to always be somewhat offset from my natural pace.
I’m currently promising myself that, once I’ve eliminated all of my debt, I’m going to take that vacation. It’s still a few years off, yet, but I feel like I’ve finally got a realistic grasp of how long it’ll take me. Back when I moved to Madison and had to deal with the prospect of paying back my student loans, I slapped a bunch of numbers together and figured I’d need about five years at my then salary to get everything paid off. That was untrue. I failed to account for taxes, the much higher cost of living in Madison, the fact that my minimum monthly loan payments would be mostly interest at first, and that I’d need a new car almost immediately on moving to Madison. Turns out that, even with about ten thousand dollars worth of raises over the three years I had that first job, I was just barely making ends meet (and spent a lot of time sliding into a decent a mount of credit card debt because I actually couldn’t afford to live at my initially salary once my car payments kicked in).
I’m in a better situation now, thanks to clearing up some of the debt, a much cheaper living situation, and the fact that I get paid for any overtime I work, now. I’m finally getting a good handle on my finances and get to enjoy the feeling of watching the numbers in my bank accounts go up until I dump it into a loan or something. Financial security feels nice, even if the forty-eight hour work weeks I need to do it leave me often at odds with my desire to rest more or try to get more writing done. An extra eight hours doesn’t sound like much until you’re cramming it into four days. I won’t deny I have it way better than people who need to work multiple jobs to make ends meet, but I wish we could all just do forty hours of work and not need to worry about money. That’d be really nice.
Ever since I left college, I’ve lived pretty much every day with the mantra of “pay off my loans and do whatever it is I have to do in order to maximize my long-term financial and personal health.” It’s a long mantra, but it’s important to stay focused on that specific goal. Being debt free isn’t going to be helpful at all if I’ve got stressed-induced health issues or I’m constantly sick from years of living in terrible situations and a horrible diet. I can’t spend my money frivolously, but that doesn’t mean I shouldn’t buy myself things to make me happy or that are perhaps a little more expensive. The whole point of having money beyond what I need to support the requirements of a (relatively) healthy life is to enrich my life. New foods, the occasional convenience, hobbies, and good causes. All of them are fair game because they’re usually things that inject some positivity into my life when I’m struggling. Which is usually when I’m making a decision that’s the right choice in the long-term but means being upset or suffering or being majorly put out right now.
It’s kind of interesting to know you’re making the right choice and still feel miserable. Whenever I fall into a pit of self-pity, this is usually my focus. Thankfully, it isn’t as often as it used to be. Still, though, it can be really easy to get focused on how my life is nothing but an endless string of decisions made to maximize my future potential for success or happiness or whatever in exchange for present-day discomfort or negative feelings. If I didn’t allow myself some hobbies and the occasional bit of short-term happiness, I’d probably struggle with it more. Nowadays, I actually make sure to spend my personal interests budget every month, usually on a new game or going to the movies. I used to tell myself I had to make one dumb but fun decision every month, but it usually wound up being something along the lines of staying up all night playing video games. Now I just stay up all night writing or watching the stars, often more frequently than once a month.
The original intent was to get myself to move outside of my comfort zone a little more, to do something relatively harmless that would encourage the kind of impulsive joy I used to occasionally indulge in when I was still a college student. Stuff like random all-nighters at the library with my friends, drinks before writing a paper, getting the gang together for an all-day D&D session, going to a bar and flirting with a random stranger while we both watched the Lord of the Rings marathon that was on the TV. You know, normal stuff. It’s just a lot harder to swing once you’re out of college because the bars feel louder and you can’t always just stagger back to your room if you drink too much. The college libraries don’t really like being filled with non-students and you’re probably not going to run into anyone you know anyway. Walking into a random bar and flirting with a stranger still works, but you generally don’t get to do it until the bars are too noisy to hold a conversation and my conversation skills are 99% of my ability to flirt.
It’s kinda difficult to be impulsive and thrill-seeking when that mostly means buying a tube of cookie dough and eating it with a spoon. Life as an adult is weird, sometimes. Or maybe it’s just my life that’s weird.
Saturday Morning Musing
I enjoy arts and crafts. Always have. As a child, I enjoyed gluing stuff to other stuff and cutting up things (many of which I was not supposed to). While I didn’t make much of note prior to college, I really found myself enjoying theater carpentry. It was so much fun to build sets or props! I may not have loved every single second of my job working at the theater, but it is the only job I miss having so far. I learned a lot of great skills there and went from someone who couldn’t cut a straight line even with a straight line to follow to someone who could take a picture a set designer gave me and turn it, plus a few hundred dollars, into a set for a musical. I really wish my college laptop hadn’t died, because then I’d have some pictures to share along with today’s post.
After college, my opportunity to build things has been somewhat lessened. I don’t have easy access to all of the tools, work space, and scrap lumber that I used to, so assembling a pantry and bookshelf out of scrap wood and set pieces that were destined for the trash is no longer possible. Neither is easily building a coffee table you can dance on. Over the past almost 5 years, I’ve been collecting power tools and presents and finances allow, so I’m finally ready to start making stuff again! Or, rather, I will be once I’ve got an air-compressor and air-powered nail/staple guns. Well, actually, I suppose I could just screw everything together. Staples and glue makes for easy destruction, which is probably a bit more important for theater than if I’m making a nifty gaming table.
Outside of theater carpentry, I haven’t done much crafting. Pottery would be fun to learn, as would anything to do with metal. Metal is a bit expensive, though, and the resources it requires are a bit more than an extension cord and a garage. I’d need a real workshop and proper protective gear if I wanted to learn to weld anything. Interestingly, though, there’s apparently a workshop around where I live that I can use if I’m willing to pay $100 a month to become a member. It’d include training on all of the equipment they have, access to a work space (or “maker space” as they called it), and a ton of like-minded peers who’d be happy to give me pointers if I was attempting something beyond my skill. I’d love to sign up, but $100 a month is most-certainly not in my budget.
Honestly, after budgeting and doing taxes last week, I feel like I’ve got less money than before. That doesn’t really make sense because now I actually have a full understanding of my financial situation. It is actually better than I thought it was, though not by much, and that joy was mitigated by the fact that I, for the first time in my life, owed taxes. I’m not sure how, since I haven’t compared this year’s filing to last year’s yet, but I’ll hopefully figure it out soon and be able to prevent it in the future. In the mean time, I just need to tighten my financial belt a little more and see what room I can make between my expenses and my income for extra loan payments on my car.
Which, you know, is going to make it hard to buy things I don’t actually need like a bunch of lumber or an air compressor and nail/staple gun. It is hard to justify building a fancy and extravagant gaming table when my “fun stuff just for me” budget is $30 a month. At least there’s other stuff I can do, like create a sand mold with my girlfriend as a date last weekend and then, this week, go watch a bunch of molten iron get poured into it. Having never seen anything like this before, I’m super interested to see it happen. The biggest question on my mind is how viscous the liquid metal is. The thing I made has a lot of small details and I’m concerned they won’t come out. And that I did a shit job of making sure it was all level and neat once I was done. I’m probably going to need to get an angle grinder or a dremel to clean it up. That’ll be tons of fun, though!
Saturday Morning Musing
Being broke sucks. After the Christmas season and its associated commercialism has ended, I am forced to take stock of my financial state in preparation for filing my taxes. This year, as a result of a higher-than-average monthly expense accounting, I’ve been forced to make a strict budget. Having a girlfriend is great, for sure, but it makes me significantly more inclined to spend money on things I otherwise wouldn’t such as trips to other cities to meet new people or a bouquet of cooking utensils my significant other wants but doesn’t have. Which is a great gift idea, by the way. Flowers aren’t the only thing you can wrap in tissue paper and present to your significant other on special occasions.
I’ve stuck to a budget before and I keep pretty good track of my finances, so this is nothing new. It is an added layer of stress and anxiety, though, to have to update and track every single number to the cent rather than going with my “soft budget” that I’ve been using since I changed jobs. My student debt (and the credit card debt I occasionally accrue because I’ve got no answer to sudden expenses that aren’t covered by insurance) gets me wound up when I start thinking about how much I still owe after having paid as much as I have, so I try to avoid thinking about my finances in any kind of exact terms when I can. Even though I know my debt total has gone down since last year, it is still easier for me to think about last year’s inaccurate number than about what today’s accurate number would be. I know it isn’t a very good idea to ignore financial situations like this, but I’ve got my finances set up so I only need to review the hard numbers of my debt once a year, when I do my taxes. When I do, I spend some time looking into solutions to better my financial footing like refinancing options and consolidation, so it isn’t like I’m ignoring my problems entirely.
My dreams for the future, in financial terms, are pretty simple. I just want to be able to live modestly without needing to worry about money like I do now. I want to have enough set aside to absorb sudden expenses without needing to rely on credit cards. I want to be able afford a nice place to live and to have enough space to welcome people into my home semi-frequently. I like to host my friends and our gatherings, and I love to feed people, so being able to afford that on a regular basis would be amazing. If I’m really aiming for the stars, I’d like to be able to put any potential progeny through college (assuming the current system is still in place) and have some money left over every year to travel somewhere new.
Ideally, I’d be able to live this lifestyle as a result of being a writer. I know it is possible, even if it does seem unlikely most days. One of my biggest barriers to writing consistently is how upset I can get when I spend a weekend writing and then have to go back to work on Monday morning. I’d be so happy writing full-time. I’d be willing to sacrifice a certain amount of my financial dreams to achieve that, but not much. Writing is fun, but I can still do that even if I’m working a day job to provide myself with financial stability.
Budgeting, though stressful, can make your financial life a lot easier. I may not enjoy thinking about it, but having concrete terms for my spending makes it easier to see the impact a change in my spending habits can have on my bank account. While paying off my car loan by the end of the summer seemed like a bit of a pipe dream when I thought of it last month, my budgeting has told me that it is possible as long as I toss my whole tax return in as well. As much as I’d like a new mattress, I’m pretty sure that I’ll sleep better with all that extra money in my budget. For paying off other loans, of course. The best loan repayment plans depend on that snowball effect.
Though I might just let it hang out for a little bit, make a few friends in my bank account, and then get blow it all on something to replace my 4.5-year-old, $300 queen mattress that has a giant sag down the middle. Springs, I tell ya… Not so springy anymore.