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Thinking of the Future... (Input?)

April 30th, 2012 at 12:24 pm

Have recently been thinking, again, going to college. I am 24 years old, wife and baby, and need to figure out what I'm doing with the rest of our lives.

In the career I am in now, I could end up getting promoted to Supervisor within five or so years. With that comes a free two bedroom apartment (with most employers). This would be fine and dandy, but we do not enjoy living in an apartment as much as we would renting or owning a home with a yard where we could plant a garden, have chickens, etc.

So, school may have to be the route I go. But I don't want to do just anything. I was thinking of nursing before, but that is not what would make me the happiest, I don't think. Being outside, with nature, animals, would do it, I think. So I have been looking into Biology, Ecology, Environmental Science, etc. But as a working man, it will most definitely be hard. However, living in this new area, we have many more opportunities. There are online community colleges that offer two-year Associates that transfer to four-year colleges for a Bachelors. The online, I could do. But for the two years after that, I am not sure. We have cut costs everywhere we can, and things just keep getting harder. Trying to sell our car now, and it is proving most difficult. Also, our food assistance went down from $520/mo to $171/mo. Understandably so, but still - we cannot afford it! If we sold the car, yes, we could. Trying!

BTW, my wife is looking into doing some nannying. Smile

Here is the spreadsheet for my projections of what we will need to make.

Want to Get Back @ Big Banks?

October 30th, 2011 at 09:17 pm

Obviously, the absolute best way to get back at banks is to never owe them money, or even to never bank with them. However, we live in a digital age, so the latter may not be possible for a lot of us. I know that it is not for me. There is still yet more to do!

If you are still receiving credit card offers via snail-mail, there is a beautiful - and I do mean b-e-autiful - way to be a nuisance to them.

Have a gander and let me know what you think! I will be doing this from now on.

(Apparently, you cannot embed YouTube videos. So, here ya go...)

http://youtu.be/ZgkSiyIUz_w

A Fresh Start (New Blog)

October 6th, 2011 at 09:18 pm

After some drama with my previous employer, and per the advice of some regular readers of mine, I have decided to create a new blog, in the hopes that I am not stalked by said employer's staff.

A little about who I am and what I am about. I am married, Christian, have an 8-month old daughter, and am recently unemployed, due to my previous employer making false accusations and following them up with a termination. Currently in proceedings with the Department of Labor and finding other employment. I start school at the local university in Spring of 2012. I will be majoring in Nursing. It is my dream to someday work as an OR Nurse or in a pediatric oncology unit. We shall see just where it all leads me.

We currently live in my parents' house, where my 32 year old delinquent brother does as well. If you know who I am and have read my previous posts, you will understand that he is not exactly the greatest person to live around. We were planning our exodus from this place when I was terminated from my position and almost all hopes of any future employment that I was seeking were lost.

I am a hypermiler. By that, I mean that I pump my car for more fuel economy than the average person. Our car, a 2007 Ford Focus S with 5 speed manual transmission, is EPA rated at 24 city/33 hwy/27 combined. I have consistently been averaging 40 mpg or more on the past few tanks, as I am improving my skills. You can find my stats at my CleanMPG.com profile. Once our tires are done for, I will be purchasing LRR (Low Roll Resistance) tires, which help to improve fuel economy. Also, I am running AMSOIL Signature Series 100% Synthetic oil, which is good for 25,000 miles/12 months between changes. It also provides superior cold-weather start-up, lower friction, and is more affordable (when calculated by qt per mile) that all other oils available. This oil costs about $.27 per mile, as compared to Mobil 1's $.67 (thereabouts).

There is plenty more to know about me, and I am sure I will touch on them in the future, as I have already done in my former blog here on savingadvice.com.

Some more recent developments are that my wife has an interview with her former employer (Macy's) for a non-seasonal sales position. Talk about role reversal! I am pretty concerned as to how well I will do with the little one with mommy gone off to work.

Also found out today that my credit rating went up from 715 to 726. Up 11 points from last month. Started at 640 in February. Now that's rewarding!